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09-5758
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund Corporation as assignee of CHASE MANHATTAN BANK USA CIVIL ACTION 10625 Techwoods Circle Cincinnati, OH 45242 Plaintiff NO: bq- 5']58v?l l vs. WILLIAM A KLINGER 526 ORRS BRIDGE RD CAMP HILL PA 17011 Defendant : NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice to Defend are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund Corporation as assignee of CHASE MANHATTAN BANK USA CIVIL ACTION 10625 Techwoods Circle Cincinnati, OH 45242 Plaintiff NO: Oq- vs. WILLIAM A KLINGER 526 ORRS BRIDGE RD CAMP HILL PA 17011 Defendant COMPLAINT Plaintiff, Unifund Corporation, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, Unifund Corporation as assignee of October 23, 2006, (hereinafter "Plaintiff") is a New York general partnership with a principal place of business located at 10625 Techwoods Circle, Cincinnati, OH 45242. 2. The Defendant WILLIAM A KLINGER (hereinafter "Defendant") is an adult individual residing at 526 ORRS BRIDGE RD CAMP HILL PA 1701 l . 3. At all relevant times herein, Plaintiff was engaged in the business of debt purchase and collection. 4. Defendant applied for and received a credit card issued by CHASE MANHATTAN BANK USA with the account number 5222760080014111. 5. The within account was sold by CHASE MANHATTAN BANK USA to Unifund for valuable consideration and all rights under said accounts were assigned to Unifund. (See, Bill of Sale, Affidavit and Assignment attached hereto as Exhibit "A.") 6. Use of the CHASE MANHATTAN BANK USA credit card was subject to the terms of the Cardmember Agreement, a copy of which was sent to the Defendant along with the credit card. (See, Cardmember Agreement attached hereto as Exhibit "B.") 7. Defendant used the CHASE MANHATTAN BANK USA credit card account number5222760080014111, for purchases, cash advances and/or balance transfers. 8. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card. (See, Card Statements attached hereto as Exhibit "C.") 9. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 10. The account became delinquent on October 23, 2006. 11. The amount due and owing was $13,693.13 at the time it was received by Plaintiff. 12. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 6. 13. The total amount due and owing the Plaintiff including interest, is $16,256.45. 14. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff for court costs and reasonable attorney's fees. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $16,256.45 plus costs of suit and any other relief as the Court deems just and appropriate. Respectfully Edwin A. Abrah n & Assoc. Michael F. Ratpfi rd, Esquire Heather K. druff, Esquire Attorney I. os.: 86285/207805 1729 Pitt Avenue Scranton, PA 18505 mratchford@eaa-law.com hwoodruff@eaa-law.com VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff,Unifund Corporation as assignee of CHASE MANHATTAN BANK USA, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. CHASE 0 BILL OF SALE Chase Bank USA, N.A. ("Seller"), for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated January 1, 2008 between Seller and Unifiind Portfolio A, LLC ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of the File Creation Date of June 12, 2008 all rights, title and interest of Seller in and to those certain receivables, judgments or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes. Amounts due to Seller by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer to be received by Seller on June 27, 2008 (the "Closing Date") by 2:00 p.m. Seller's time, as follows: Chase Bank USA, N.A ABA #021000021 . Beneficiary Name: Chase Bank USA, N.A. Beneficiary Account: #304-256420 This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. Chase Ba A. By: Date: June 24, 2008 Title Operations Manager Unifund(Portfol Bye , ?? ? Date: June 24, 2008 Title Henry N. T'homan Vice President Cardmember Agreement t. ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containing the card for this account. Any use of your account is covered by this agreement. Please read the entire agreement and keep it for your records. The entire agreement may be in separate parts, including this document and a "Hates and Fees" table that is expressly made a part of this agreement. You authorize us to pay for and charge your account for all transactions made on your account. You promise to pay us for all transactions made on your account, as well as any fees or finance charges. If this is a joint account, each of you, together and individually, is responsible for paying all amounts owed, even if the account is used by only one of you. Please sign the back of your credit card when you receive it. You will be bound by this agreement if you or anyone authorized by you use your account for any purpose, even if you don't sign your card. Whether you use your account or riot, you will be bound by this agreement unless you cancel your account within 30 days after receiving your card and you have rct used your account for any purpose. Throughout this agreement, the words "we", "us" and "bur" mean Chase Manhattan Bank USA, N.A., the issuer of your credit card and account. The words "you", "your" and "yours" mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account. The word "card" means one or more cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. 2. USING YOUR ACCOUNT Your account is a consumer account and should be used only for personal, family or household purposes. Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account. You promise to use your account only for valid and lawful transactions. Far example, internet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for paying for a transaction even if it is not permissible. Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Checks: We may provide you cash advance checks or balance transfer checks as a way to use your account. We also refer to them in this agreement as a check or checks. You may use a check to pay for goods or services, to transfer balances to your account, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the check. Cash advance checks may also be referred to as convenience checks. • Balance Transfers: You may transfer balances from other accounts or loans with other credit card issuers or other lenders to this account, or other balance transfers we allow. But you may not transfer balances to this account from other accounts with us or any of our related companies. If a portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer up to your available credit line. • Cash Advances: You may use your card to get cash from automatic teller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account. Cash Advances may also be referred to as Advances. • Overdraft Advances: If you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that checking account under the terms of this agreement and your checking account agreement. Billing Cycle: In order to manage your account, we divide time into periods called "billing cycles." Each billing cycle is approximately one month in length. For each calendar month, your account will have a billing cycle that ends in that month. Your account, will have a billing cycle ending in each calendar month whether x •: ?. . • • • 77 - c 3 _ ._ - --.. n w n D o a o w F n r.: a K C7 w w o m < n, D < • w ?' d N m -- R -" Z m G N d y w f° m N J< d ti N (N G m w- C1 w ,C. O - O y n G N O_ V1 C m < • < rmi < -C __ t? _; m ?' D C 0 f? O cL F V, Ci ? cD y m a m N d < t1 __< w O C - n0 C C C C , m <O _ tX-1 C m F m n V' m v N N O C rm'J Cm'J p, d d d 7 w ft1 rTJD m. O n ?., w - C G C< w m C O CC n C) ?!'. ?_. " w t1 C C J O N _ O-• m G y^ d G: a m C_ m.- - J C S m _ _ , (7 N t1 a rS a N m G F 1 r., f? ^, 2 y N a ?' G m° 2 '] d N d^ m O_ C G. O' D CD CD F d [3. 7 . O m< 'L7 O C w ^ ty-1 L< G O D .- n= O N ^, .G-. n n m O m m ? C '? 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C= f?D , C= d d 7 m N N N M R - = (D M CL N your account for others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you inay write to us at the Cardmember Service address listed on your billing statement. Please include your name, address, account number, telephone number and a brief description of the problem. If available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our investigation shows that you are right, we will contact each credit bureau to which we reported the information and will request they correct the report. If we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. 11. NOTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you at the address shown in our files. Or, if this is a joint account, we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account. If you change your name, address, or home or business telephone number or email address (if you elect to receive billing statements or other notices on line), you must notify us immediately in writing at the address shown on the back of your billing statement. We may, at our option, accept mailing address corrections from the United States Postal Service. 12. TELEPHONE MONITORING AND RECORDING We, and if applicable, our agents, may listen to and record your telephone calls with us. You agree that we, and 0 applicable, our agents, may do so, whether you or we initiate the telephone call. 13. ILLINOIS CARDMEMBERS: INFORMATION SHARING Our Privacy Policy, which you have received, describes our information sharing practices and gives directions on how to apt out, or direct us to limit the sharing of personal information about you with companies or organizations outside of our family of companies. Illinois law provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or unless the disclosure falls under another exception in the law )such as sharing information to process your transactions or in response to a subpoena). You hereby agree that, if you choose not to exercise the opt out described in our Privacy Policy, you will be deemed to have authorized us to share personal information we have about you (including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. 14. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under this agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. 15. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under this agreement to a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. 16. GOVERNING LAW THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNT ARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. 17. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. 18. YOUR BILLING RIGHTS Keep This Notice For Future Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case Of Errors Or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill; write us on a separate sheet at the Cardmember Service address shown on your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information. • Your name and account number. • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities After We Receive Your Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to that you have, a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50.00 of the questioned amount, even if your bill was correct. Special Rules for Credit Card Purchases If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does riot apply to check transactions. There are two limitations on this right: (a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Copyright (7) 2004 JPMorgan Chase & Co. All rights reserved. ADV2042 10/04 Lf"lY?v 1300 PAYMENT BALANCE AS OF PAYMENT DUE ACCOUNT NUMBER 5/14/2009 DATE MINIMUM PAYMENT ENCLOSED 5222760080014111 16,155.16 PAST DUE 16,155.16 $ Make Checks Payable To Unifund CCR Partners UNIFUND CCR PARTNERS STATEMENT WILLIAM KLINGER 526 ORRS BRIDGE RD CAMP HILL PA 17011 MESSAGE FROM UNIFUND YOUR ACCOUNT IS PAST DUE $16,155.16. THE PAST DUE AMOUNT IS INCLUDED IN THE MINIMUM PAYMENT. PLEASE REMIT IMMEDIATELY. IF YOU HAVE ALREADY SENT A PAYMENT FOR THE ABOVE AMOUNT, THANK YOU. TRANSACTIONS: Date Transaction Balance Due Payments New Balance 5/14/2009 This account was issued under 16,155.16 16,155.16 0 16,155.16 the name of CHASE MANHATTAN BANK USA NA and acquired from Chase Bank USA NA. PROMPT CREDITING OF PAYMENTS. TO RECEIVE CREDIT FOR PAYMENTS AS OF THE DATE OF RECEIPT, WE MUST RECEIVE YOUR CHECK OR MONEY ORDER AT: UNIFUND CCR PARTNERS 10625 TECHWOODS CIRCLE CINCINNATI, OH 45242 PAYMENTS RECEIVED AT THE ABOVE ADDRESS IN THE MANNER SPECIFIED AFTER THAT TIME WILL BE CREDITED TO YOUR ACCOUNT AS OF OUR NEXT BUSINESS DAY. THE CREDITING TO YOUR ACCOUNT OF PAYMENTS RECEIVED AT ANY LOCATION OTHER THAN THE ABOVE ADDRESS MAY BE DELAYED UP TO 5 DAYS OF RECEIPT. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. FEDERAL LAW REQUIRES US TO INFORM YOU THAT THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Statement for account number: 5222 7600 8001 4111 New Balance Payment Due Date Past Due Amount Minimum Payment $13,935.52 06/22/06 $2,269.00 $2,749.00 r? Make your check payable to Chase Card Services. Amount Enclosed $Lfl New address or e-mail? Print on back. 522276008001411100274900013935520000000 16914 8EX Z 14806 C WILLIAM KLINGER 7695 HARMONY GROVE RD WELLSVILLE PA 17365-9714 II I IIllnrlullnllnrlrlrlrlr,lrtrlrrlllrlr111111111rlrrrllrl CHASE 0 CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 1: 5000 160 281: L. 2 100800 14 1 1 I SIN Statement Date: 04/29/06 - 05/28/06 CUSTOMER SERVICE CHASE 0 Payment Due Date: 06/22/06 In U.S 1-800-436-7927 Minimum Payment Due : $2,749.00 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUNT SUMMARY Account Number: 5222 7600 8001 4111 ACCOUNT INQUIRIES Previous Balance $13,594.75 Total Credit Line $14,000 P .O. Box 15298 Purchases. Cash, Debits +$39.00 Available Credit $64 Wilmington, DE 19850-5296 Finance Charges +$301.77 Cash Access Line $14,000 New Balance $13,935.52 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 1 9686-51 53 VISIT US AT: www.chase+com/creditcards A late fee is reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due amount, billed interest, and the billed late fee. It's not too late to improve your credit rating! We can help you take control of your past-due credit card account. Call 1-888-792-7547 (collect 1-302-594-8200) today so that we can find a solution for your individual situation. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 05/23 LATE FEE $3900 FINANCE CHARGES Daily Periodic Rate Corresponding Average Daily Balance Finance Charge Due Transaction FINANCE Category 30 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .08217% 29.99% $10,696.97 $263.70 $0.00 $263.70 Cash advances V .08217% 29.99% $0.00 $0.00 $0.00 $0.00 Convenience check V .08217% 29.99% $0.09 $0.01 $0.00 $0.01 Prior Purchases V .04220% 15.40% $3,005.68 $38.06 $0.00 $38.06 Total finance charges $301.77 Effective Annual Percentage Rate (APR): 26.42% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. This Statement is a Facsimile - Not an original X 0000001 FIS33335 C 1 000 N Z 28 06/05/28 Page 1 011 00225 MAMA 16914 14810000010001691401 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ------------------- city. ------------------- State -- Zip. ----- --'-- Home Phone: --- --- ---- Work Phone: --- --- ---- E-mail Address: -------__-------___- 7 Inla rm anon About Your Asi o sil Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the from of your statement. Advisors are always evadable in assist you. You can reach an Advisor by pressing 0 after you enter your account mlbar dreading of Payments: For payments by regular U.S. man, send at least Yom minimum payment duo to our post office box designated for payments shown on this statement. Your payments by mml must comply with the instructions an this statement, and must be made by check or money order, payable in U.S, Dollars, and drawn on or payable through a U.S. unancal institution or the U.S. branch of a foreign financial imlNution. Do nct antl rash. W rate your account number on your check or money order. Payments must be accompanied by the payment coupon in the envelope provided with our address visible through the envelope window,, the envelope cannot contain more than one payment or coupon: and there can be no staples. paper clips, tape orcorrespondence iacMded with your payment. If your payment is to accordance with our payment instructions and is made available to us on any day except December 25 by 100 It on. local time at our post office box desaqcted for payments on this statement. we wnl credit the payment to your account as of ihaI day If your payment is in accordance wish our payment instructions. but is made available to us , after !00p m. local time at our post office box designated for payments on the statement whl credit it to your .-out as of the next day. If you do not follow our payment nstnichone cr if your paymerd is Oct sent by regular U.S, nail to our post alike box desywled br payments. crediting of your payment maybe delayed for w to 5 days. Payments matle electronically through our automated abpMme service. Customer Service aav sons. o our with site will be subject io any processing limes disclosed for those eavinenis Account Inermation Reported b Credit Bureaus: We may report information about your account to cnedlt bureaus. Late payments. missed payments or other delrail on your aanuno may be reflected in your credit repod. II you think we have reported inaccurate m+;umah a, to a credit bureau, you may wine to us at the Grdmember Service address I:steo on vow billing statement. Checks Coilecled Electronically: We reserve the right to electronically collect your eligible paq:nznt cheeks- at first presentment and any representment. from the bank account on v iro[ the chink vros drawn. Our receipt of your payment check is your aulhor¢alion for us to collect the amount of the check electronically, or d needed by a draft drawn against the bark raced lint Checks win be collected electronically by sending the check amount along n.ne :heck reining and account numbers to your bank. Yom bank account may be debued as early as the same day we receive your payment. The original check will be uestroyed and an image will be maintained in our records. Condilional Payments: Any payment check or other form of payment that you send as for less man the lull balance due that is marked "paid in full" w contains a similar nclalion, or that you mhzrv+ise tender in lull satisfaction of a disputed amount, must be sent to Card Ser:nces PC Box 15049, Wilmington, 119850-5049 . We reserve all our rills 1111311 these payments (e.g., If it is determined there is rap valid dispute or if any such is receved at any other address, we may accept the check and you will still we any remaining balance] We may refuse to accept any such payment by returning it to you, not cashing n o, destroying it All other payments that you make should be sent to the appropriate toement address. Annual Renewal Nolica: If your account has an annual tee, d will be billed each year or in npnihly installments, whether or not you use your account ant you agree to pay it when bil•zd The. annual fee is non-refundable unless you ramify us that you wish to close your rnm ;,,In 30 days of the date we mail Your statement on which the annual lee is charged and at the sane time, you pay your outstanding balance in full. Your payment of the. an nual tae tloes not affect our rights to close your aeCW m and to limn your rignt to make transactions on your account It your account is dosed by ?roa or m. we will contime Ill &, ge the annual IN until YOU pay your outstanding balance in lull and terminate your rcoaint relpbOn5hi0. Explanalbn of Finance Charges: We calculate periodic finance charges, using the apvlicablz periodic rates shown on this statement. sepanlely for each feature (e.g., balance transfer convenience checks and cash advance checks ("cheek transaction"), purchases, balance transfers. cash advances, Promotional balances or overdraft advances. These :ahuletione may combine diti categories will the same daily periodic bates. 1 there is a "d` e to a periodic rate on this statement, that rate may wry, and the index and margin used tone deermim Ihel rate and Bs ootres Do full APR areharye in described is your Cardmember Ag, eemenl. as amended. There is a minimum finance e any billing q Is in which yor sure any periodic finance charges, and a Iratsactpn finance charge for each balance ira vier cash advance, or check transaction. in the amounts slated in your Cardmember Ad eement. as amended. Te net the daily balance for each day of the current billing cycle, we take the beginning balar © for each feature. add any new Imnsactkm or other debits (mcke ing lees, unpaid hnanre Charges and other charges), subtract any payments or Credits, and make other adiusimerls Transactions; are added as of the transaction date, the beginning of the billing r ,-hick they are posted to your account. or a later care of our choice (except that :te:yk transaGions are added as of the date deposited by ilk payee of a later date of oln a; Fees are added either on the date of a related Instruction, the date they are posted is noon account. or the last day of the billing cycle . This gives us that day's daily balance A -o,t balance is treated as a balance of zero. If a dally periodic rate applies to any feature. mural plv the daily balance by the daily periodic rate to gel your periodic finance charges lo? mat day We then add these periodic finance charges to your daily balance to get the b+ainnog haiance for the next day. 111 more than one daily periodic is could apply based p , the average daily balance, we will use the daffy ru node rate that applies for the average dory: oalance ameunl at the and of the billing cycle to calculate the daily periodic finance cl nCs each day.'r it this statement shows a previous cycle average daily balance for p.rcirases .ve do sew same thing for each day of the previous cycle to get the daily balance of purchases for the Drevlous billing cycle. Ibweve1,, the dairy balance for previous billing cycle purchases is considered to be zero for each day of the previous billing cycle if a p nodlc finance charge was already billed on purchases aembed on your prevlous stnte I or we received payment of your New Balance of Yom previous statement in full by me dale and time your payment was due. To get your total periodic finance charge liar a billing cycle when a dairy periodic rate(s) uphce :ve add all of the dairy periods ti ermse onarpes far an features. To determine an erage tlaily balance. we add your daily balances ant divide, by the number of the days in me applicable bitting Cycle(sl. 11 you mu"Ply the avenge dairy balance for each feature by the applicable daily periodic rate. and then multiply each of these results by the number of days in the applicable pilling cycle(s), and then add ell of the results togemen, the total will also equal the periodic finance charges larihe billing rycb. except for minor wriatiom due to •ounding To get your total periodic finance charge for a billing cycle when a monthly p-rdic rate(s) applies- muitiDly the average chat y belaroe for each feature by the applicable omhly I rate and add the results together The total will equal the periodic finance charges lm the billing cycle. except for minor variations due to rounding. Glace Period (at least 20 days): ',ve accrue pznodic finance charges on a transacn, fa, or finance charge from the data n Inacturri in 1.1:0 a receivw on your account. Nowever, we is added to your dally balance until for d: nrt charge perodic finance charges on new purchases billed durirp a billing cycle it we rzceure oath payment of your New 9aance on your torrent statement by the date and time payrneru ?s tlue and also payment of your New Balance on your previous statement by the date and Ilene your payment was due There is no grace period for balance transfers. cash advances, check transactions, or overdraft advances. In addllion, II (here is a "Qualifying Promotional Financing" section on this slalent you will not incur periodic finance charges on any Remaining Balance that appears in that section a you pay that balance in full by the applicable Expiration Date. To avoid finance chargpeess on new purchases when your Navy Balance includes any Remaining Balance(s) in the Quablying Promotional Financing section, pay your full New Balance minus the total of thou Remaining Balance(s) by the date and time your payment is due. However. if your statement shows that a minimum payment is due. we must receive at least that minimum payment by the date and time specified on your statement, even n your New Balance consists only of Qualifying Promotional amusing balances. Also, for ume Qualifying Promotional Financing balances. penodk finance charges accrue during the promotional period but are not added to your account balance. Instead. they accumulate from billing cycle to billing cycle. This is referred to as "deferred mlenesi " If a deferred interest Ow eying Promotional Financing balance is not paid in full by the applicable Expiration Date, the referred finance charges will be added to your account as soon as the first day after the Expiration Date. Further, f you default under it* terms of your Cardmember Agreement. the deferred finance charges will be added to your account as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Questions Abdul Your Bill: It you think your bill is wrong, or 0 you need more information about a transaction on your bill, write Cardmember Service on a separate sheet at P0. Box 15299 Wilmington. DE 198503299 as soon as possible. We must hear from you no WWII days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter. give us the following information. • Your name and account number • The dollar amount of the suspected error • Describe the etmr and explain, if You can. why you believe there is an error If you need more lreonnation. describe the aeon you are unsure about You do not have to pay any amount in question while we are invesUrgi ing. but you are suit obligated to pay the Darts of your bill that are not in question While we investigate your queSlan, we cannot report you as delinquent or lake action to collect the amount you question If you have out panted us to pay your credit card bill automatically from your saving; or checking account. you can stop the payment on any amount you think is wrong. To stop the payment, your letter or call (using the Cardmember Service address or telephone number shown on this statement) must reach us at least three business days before the automatic payment is scheduled to occur Special Rule lot credit Card Purchases: If you have a problem with the quality of goods or services Ihat you purchased with a credit card (excllding purchases made •wath a check). and you have triad in good faith to correct the problem with the merchant. You may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your malting address. These limitations do not apply if we own or operate the merchant. or it we mailed you the advertisement for the property or services MA011806 Statement for account number: 5222 7600 9001 4111 New Balance Payment Due Date Past Due Amount Minimum Payment CHASE 0 $14,332 98 07/23/06 $2,749.00 $3,621.98 rr Make your check payable to Chase Card services. Amount Enclosed F$ New address or e-mail? Print on back. 522276008001411100362198014332980000001 ,19619 BEX Z 17906c LrrIIIJrr11rIJ1rIrr1111rLLrrJLLLrJL,11Lr111rr11111 WILLIAM KLINGER 7695 HARMONY GROVE RD CARDMEMBER SERVICE WELLSVILLE PA 17365-9714 PO BOX 15153 WILMINGTON DE 19886-5153 111111Lrdrrll,rllrlrlrlJrLrLrrlrrrlLl,rll,Irrr111rrrIIJ I: 5000 L 60 281: 4 2 100800 i4 L L L 511' Statement Date: 05/29/06 - 06/28/06 CUSTOMER SERVICE CHASE 0 Payment Due Date: 07/23/06 In U.S. 1-800-436-7927 Minimum Payment Due: $3,621.98 Espanol 1-888-446-3308 TDD 1-800-955-8060 Pay by phone 1-800-436-7958 Outside U.S. call collect 1-302-594-8200 MASTERCARD ACCOUN T SUMMARY Account Number: 5222 7600 8001 4111 ACCOUNT INQUIRIES Previous Balance $13,935.52 Total Credit Line $14,000 P .O. Box 15298 Purchases, Cash. Debits +$39.00 Available Credit $0 Wilmington, DE 19850-5298 Finance Charges +$358.46 Cash Access Line $14,000 New Balance $14,332.98 Available for Cash $0 PAYMENT ADDRESS P.O. Box 15153 Wilmington, DE 19886-5153 VISIT US AT: www. chase. com/cred itcarrds A late fee is reflected on this billing statement. Your minimum payment reflects 1 % of your statement balance, plus any past-due amount, billed interest, and the billed late fee. The promo rate expiration reflected on this statement is a result of a late payment made during the promotional rate period on your account. For your convenience, you can always pay online by accessing our website displayed on this statement. TRANSACTIONS Trans Amount Date Reference Number Merchant Name or Transaction Description Credit Debit 06/22 LATE FEE $39.00 FINANCE CHARGES Daily Periodic Rate Corresponcing Average Daily Balance Finance Charge Due Transaction FINANCE Category 31 days in cycle APR To Periodic Rate Fee CHARGES Purchases V .08217% 29.99% $14,071.83 $358.45 $0.00 $358.45 Cash advances V .08217% 29.99% $0.00 $0.00 $0,00 $0.00 Convenience check V .08217% 29.99% $0.10 $0.01 $0.00 $0.01 Total finance charges $358.46 Effective Annual Percentage Rate (APR): 29.99% Please see Information About Your Account section for balance computation method, grace period, and other important information. The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction category. The Effective APR represents your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. IMPORTANT NEWS Did you know you can use your credit card to access cash whenever and wherever you need it? All you need is your PIN (Personal Identification Number) and an ATM. Just call 1-800-297-4970 to create your PIN today. This Statement is a Facsimile - Not an original X 0000001 PS 3135 0 1 000 N Z 28 06/06/28 Page 1 01 1 00225 MA MA 09619 17910000010000961901 Address Change Request Please provide information below only if the address information on front is incorrect. Street Address: ----------------------- City. ------------------- Slate: -- Zip: ----- --'-- Home Phone: --- --- ---- Wore. Phone: --- --- ---- Email Address: ------------------- L mlormahon About Your Account Lost or Stolen Cards: Please report your lost or stolen card immediately by calling the Customer Service number found on the Nord of your statement. Advisors are abvays available to assist you. You can much an Advisor by pressing 0 after you enter your account number Cradling of Payments: For payments by regular U.S. man send at least your minimum payment due to our post office box designated for payments shown on this statement. Vour paym?ms by mail must comply with the intructions on Ins statement, and must be made by check or nomy order. payable in U 5. Dollars. and drawn an or payable through a U.5 financal institution or the U.5. Dnrlch at a foreign financial institution. Do not send ash. Wme your account number on your check or money order Payments must be accompanied by the payment coupon in the envelope provided wdh our adores visible through the emeape window. the envelope annot contain more than one payment or coupon; and there can be no staples, paper clips, tape or correspondence included with your payment. If your payment is in accordance wkh our Wyment instructions and is made available to won arry day except December 25 by 100 p.m. local time at our past office box desyateo for payments on this statement, we will credit the payment to your account as of that day. If your payment is in accordance with our payment instructions. but is made available to us after 100 p in local time at our post office box designated for payments on this statemerd, coil credo g to your account as of the next day. Ifyo u do rot fallow our aymenl nsvuch rns or if your payment is not sent by regular U.F mail to our post office boz designated for payments, creditng of your payment may be delayed for up to 5 days. Paymand made electronically through our automated telephone service, Customer Servile advisors an our web site win be subpct to any processing times disclosed for those paym?nts Account Inlormatlon Reported m Credit Bureaus: We may report information about your accmmt ro cretlit bnreaazs Late payments. missed payments or other defaults on your account may be reflected in your churn report. It you think we have reported inaccurate Info nnauon to a credit bureau. you may write to us at the Cardgemto r Service address Iist_'d on your ailing statement Nolice Abdul Electronic Check Commakad When you provide a check as payment, you arrnonze us either to use informatio n Irom your check to make o dic-lime electronic fund transfer from vour account or to praesthepaymant ass checktraneaclion. When we fuse ?nnahen ham your check to make an electronic fund transfer, funds may be withdrawn ho it ,at account as soon as the same day we receive your payment, and you will not a? your check back from your fironcal mslnutrom Call the customer service number en this statement A you have quelions about electronic check collection or do not ware an paymenu corrected electronics N Conditional Payments: Any payment check or other lam o' payment that you send as for less lean the Tull balance due that m marked "paid in fug' or contains a similar notation. or that foe or' erwise tender n lull satisfaction at a disputed amount. must W sent to Card Se vices F 0 Box 15049. Wiknnglon DE 19650-5049. We reserve all our rights r ardnq thesee say items to g if it is determined there is no valid ampule or if any such check is r?e?wed at any other address. we may accept the check and you will still owe any remaining balance;. We may refuse to accept any such payment by returning it to you not cashing it destroying it All other payments that you make should be sent to the app carlate payment address Annual Renewal Notes: If your account has an annual lee. It will be billed each year or in monthly ins ailments, whether or not you use your account and you agree to ay it when b?l!ed The annual fee is non-refundable or, you notify us that you wish to close your cunt o1hm 30 days of the date we mail your statement on which the annual fee is charged and at the same time. you ay your outstanding balance in lull. Yo, payment of the annual fee does rat afteet our rights to close your account solid limn your right to make anachons on your account. It your account is closed by you or us, we will continue to ?harge in, annual fee until you pay your outstanding balance in lull and terminate your act,: unt relationship. Explanalion of Finance Charges: We calculate arrocla; fiance charges, using the app .cab is periodic rate shown on this statement. separately for each future (ii balarae tronsferrcocvemence checks and ash advance checks ("check trarriai purchases. balance transfers, ash advances. promotional balances dr overdraft advances. These za c plmns finny combine ddfera d ategorbs with the cams Wily periodic rates. I there is a'V next « a periodic rate on this statement. that rate may wry, and the iMax and margin used to determine that rate and its corresponding APR are described in your Gardmember Agreement . as amender. There is a minimum finance charge in any Dillmg cyclem which you owe any periodic finance charges. and a transaction finance charge for each balance transfer. cash advance. or check transaction. in the amounts slated in yaw Cardmember Ag-me l as amended. To 9e1 the daily balance for each day of the current billing cycle, we take the beginnhg baance for each feature, add any new hansactrons or other debits (inclWing lees, unaitl finance charges and other charges), subtraM any payments or credits. and make other adjustments. Transaction are added as of the transaction Bate, the begimung of the lulling cycle m which they are posted to your account or a later date of our choice (except that check transactions are added as of the date rte"efted by the payee or a later date of our chome) Fees are added either on the dale of a related transaction. the date they are posted to your account. or the last day of the billing cycle . This gives us that day's daisy balance. A creoit balance is treated as a balance of zero If a daily perT,, rete applies to any feature. ?muult ov the dairy balance by the daily periodic rate to put your Periodic frame charges 6- at day We then add these periodic liana charges to your daily balance to get Im hegl nnmg balance for the next day. Q1 more than oa daily periodic rate could apply based in Inc average da,y balance. we will use the daily periodic rate that applies for the average ,i balance amount at the end of the billing cycle to calculate the daily periodic fiance ,narge each day. If this statement shows a previous cycle average tlaily balance for pas chases - do the same thing for each day of the previous cycle to get the daily balance el purchases for the previous billing cycle. However, the daily balance lot previous billing ?.e purchases is coheolk d d be zero for each day of the previous bnlinq cycle it a penod?c finance charge was already bitted on purchases nem¢ed on your Previous statement or "e received payment of your Navy Balance on your previous statement in full by the date and time your aymeM was due. Tc yet your total periodic finance charge for a billing cycle when a daily periodic reeler aoplles.+;? add aV of the daily periodic fiance char for all features. To determine an "tir age da ly balance, we add your daily balances and divide by the number of the days in are appucaole haling cycle(s). If you muftipy the eve2ge daily balance for each feat,,, by the apDti,able daily periodic rate. and then multipN each at these results by the number of days -n to applicable billing cycle(s), and then add all of the results together, the total will sir equal the periodic finance charges Ion the biting cycle. except for guar wriawas due to rounding To gel your total other is licence cherge for is pilling cycle bans monthly reliable rate(s) applies, gumplythe average daffy "I m, for each feature by the applicable io,.tmy penptlic rate and add the reaps together The halal will equal the anodic I'm rice ,'_gas or the png cycle, except for minor variations due to rounding Grace Period (al least 20 days): 0" accrue pencil fiance charges on a transaction, lee. or fiance charge from the date n is adried to our tlaily balance until aymeM in full is received on your actou A HOV/ever we do not charge nenodic fnance charges on new purchases biped during a billing cycle II we ive both payment of your New Balance on your current statement by the date and time r?ur payment is due and also payment of your Navy Balance on your previous statement by 7 the date and time your payment was due. There is no grace period for balance transfers cash advances, check transactions. or overdraft advances. In addition, if there is a "Glalirying Promotional Fibancing" section on this statement, you will not incur periodic fiance charges on any Remaining Balance that appears in that section if you pay that bslance in lull by the applicable Expiration Date. To avoid finance chargqeess on new purchases when your New Balance mcludes any Remaining Balanals) in the Omlityinq Promotional Financing section, pay your full New Galante minus the total of dose Remaining Balance(s) by the date and time your payment is due. However. it your statement shows that a minimum payment is due. we must receive at least that minimum payment by the date and time specified on your statement. even of your New Balance con hels only of Qualifying Promational Financing balances. Also. for some Gasifying Promotional Financing balances. periodic finance charges accrue during the promotioial period but are not added to your account balance. Instead. they accumulate from billing cycle to bitting cycle. This is referred to as "deferred interest." If a deferred interest Qualifying Promotional Financing balance te rat paid in full by the applicable Expiration Date, the deferred thence charge will be added to your account as soon as the first day after the Expiration Date. Further, it you default under the terms of your Cardmember Agreement, the deferred fiance charge will be added to your area unt as soon as the date of default. BILLING RIGHTS SUMMARY In Case of Errors or Question About Your Bill: If you think your bill is wrong. or 0 you need more information about a transaction on your bill, write Cardmember Service on a separate sheel at P0. Box 15299 Wilminngpton, DE 1 98 50-5 299 as soon as possible. We must hear Iron you no later than 60 days aflar•xe sent you the first big on which the error or problem appeared. You can telephone us. but doing so will nor preserve your rights. In your letter. give us the following information Your name and account number • The dollar amount of the suspected error • Describe the error and explain, if you can. why you believe there is an error If you need more information, describe the gem you are unsure about. You do not have to ay any amount in question while we are investigating. hot you are still obligated to pay the Darts of your bill that are not in question. While we investigate your question. we cannot report you as delinquent or take action to collect the amount you question. If you have authorized us to pay your credo card bill automatically from your savings or checking account. you can stop the payment on any amount you think iswrong. To stop the payment, your letter or call losing the Cardmember Service address or telephone number shown on this statement) most reach us at least three business days before the automatic payment is scheduled to occur. Specter Rule lot Credit Card Purchases: 11 you have a problem with the ma llty of goods or sic vices that you purchased with a credit card (excluding purchases made with a check), and you have tried in good faith to correct the problem with the merchant you may not have to pay the remaining amount due on the goods on services You nave this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your mailing address. These limitations do not apply g we own or operate the merchant . or it we maned you the advertisement for the property or services MA051206 EDWIN A. ABRAHAMSEN MICHAEL F. RATCHFORD HEATHER K. WOODRUFF' *ALS mC J, TON BAR Cumberland County Sheriffs I Court House Sq. Carlisle, PA 17013 M94 THE LAW OFFICE OF EDWIN A. ABRAHAMSEN & ASSOCIATES, P.C. WWW.EAA-LAW.C?M Re: Unifund Corporation as assignee of CHASE MANHATTAN BANK USA vs. WILLIAM A KLINGER Our file Nos.: U09-0475 Dear Sheriff: In regard to the above-noted matter, enclosed please find the following: 1. A true and correct copy of the Complaint; 2. The completed form for service; 3. A check for service; 4. A self-addressed return envelope for the return of service. Please serve the named defendant in accordance with the County Rules of Civil Procedure. If you should have any questions or concerns, please do not hesitate to call me at (570) 558-5510. The defendants address is : WILLIAM A KLINGER 526 ORRS BRIDGE RD CAMP HILL PA 17011 Thank you for your attention to this matter. Enclosures mfr/MR 1 729 PITTSTON AVE. • SCRANTON, PA 1 8505 • (P) 570.558.551 ? • (F) 570.558.551 1 l_?s OF THE 2CL 1? 20 Ail f i : 2 9 . ?%5o f0 AT %( Co 446B4 g* .1 9.461 a Sheriffs Office of Cumberland County R Thomas Kline Sheri COO,,, of 1uy?Pt144# OWCE OF THE S"IRIFF jPy OF T? Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant Edward L Schorpp Solicitor Unifund Corporation vs. William A. Klinger l# n'_3 n r 0: '%"- Number 2009-5758 SHERIFF'S RETURN OF SERVICE 09/22/2009 R. Thomas Kline, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: William A. Klinger, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant William A. Klinger. Attorney Edwin A. Abrahamsen & Associates office was advised on August 26, 2009 a good address for the defendant was 7695 Harmony Grove Road Wellsville, PA 17365. However, to date additional monies to deputize York County have not been received. SHERIFF COST: $46.50 September 22, 2009 SO ANSWERS R THOMAS KLINE, SHERIFF Unifund Corporation vs. WILLIAM A KLINGER 7695 HARMONY GROVE RD WELLSVILLE PA 17365 In the Court of Common Pleas of Plaintiff Cumberland County, Pennsylvania Civil Division NO: 09-5758 CIVIL TERM Defendant Praecipe to Reinstate Civil Complaint To the Prothonotary of Cumberland County Pennsylvania: Please enter the above Praecipe to Reinstate the Civil Complaint. Thank you, W Michael F. Ratchfo Edwin A. Abrah s Lawyer ID # 8 Sworn and su & Associates, P.C. aay of 22 20 a 9 NOTARI SE eh Venditti, Notary Public JENNIFER LOE ENOITTI Notary Public SCRANTON CITY, LACKAWANNA COUNTY My Commission Expires Mar 6, 2013 FILED-OFFICE OF THE PROTHONOTARY 2009 NOV 20 PM 12, 58 -%/ 0 - oe) -11L 44 I?j e? W?O-Za PI-19- C?13 3408 s Unifund Corporation as assignee of CHASE MANHATTAN BANK USA In the Court of Common Pleas of CUMBERLAND County, Pennsylvania Plaintiff Civil Division VS. NO: 09-5758 WILLIAM A KLINGER Praecipe to Withdraw Civil Complaint Defendant Z rrT a.- sq -rT7 r7-1 PRAECIPE TO WITHDRAW -< N) - Z� zz C�) To the Prothonotary of CUMBERLAND County Pennsylvania: ' Aj C r\) T Please enter the above Praecipe to Withdraw the Civil Complaint. Thank you, Michael . Ratchford, squire Edwin A. Abrahams & Associates, P.C. Lawyer ID# 86285 120 N. Keyser Av ue Scranton, PA 185 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Unifund Corporation Plaintiff : CIVIL DIVISION VS. NO: 09-5758 WILLIAM A KLINGER Defendant CERTIFICATE OF SERVICE I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served a copy of the Praecipe to Withdraw Civil Complaint in the above captioned matter by mailing the same via First Class United States mail, postage prepaid addressed as follows: Leon Haller Esquire Purcell, Krug& Haller 1719 N. Front Street Harrisburg, PA 17102 Edwin A. Abrahamsen& Associates, P Date: September 18, 2013 y: Michael . Ratchford, squire Attorney I.D. No.: 8 85 120 N. Keyser Ave ue Scranton, PA 185 4 (570) 558-5510