HomeMy WebLinkAbout09-5759IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Unifund Corporation as assignee of
CITIBANK SOUTH DAKOTA NA CIVIL ACTION
10625 Techwoods Circle
Cincinnati, OH 45242
Plaintiff
VS. NO: oq - 5159
ISTVAN CSIZMADIA JR
3713 LISBURN RD
MECHANICSBURG PA 17055
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
CITIBANK SOUTH DAKOTA NA CIVIL ACTION
10625 Techwoods Circle
Cincinnati, OH 45242 :
Plaintiff
vs. NO: 0 ,9, 5'759 ew.j -7Z4...
ISTVAN CSIZMADIA JR
3713 LISBURN RD :
MECHANICSBURG PA 17055
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 February 20, 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 ISTVAN CSIZMADIA JR (hereinafter "Defendant") is an adult
individual residing at 3713 LISBURN RD MECHANICSBURG PA 17055.
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 CITIBANK SOUTH
DAKOTA NA with the account number 5491130142424514.
5. The within account was sold by CITIBANK SOUTH DAKOTA NA 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 CITIBANK SOUTH DAKOTA NA 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 CITIBANK SOUTH DAKOTA NA credit card account
number5491130142424514, 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 February 20, 2006.
11. The amount due and owing was $10,889.45 at the time it was received by Plaintiff.
12. Pursuant to the account agreement, any unpaid balance accrues interest at the rate
of 31.73
13. The total amount due and owing the Plaintiff including interest, is $23,944.91.
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 $23,944.91 plus costs of suit and any other relief as the Court deems just and
appropriate.
Respectfully submitted,
Ed*in'A. Abra-hamsen & C.
Michael F. Ratchford, ME
Heather K. Woodruff, Esquire
Attorney I.D. Nos.: 862851207805
1729 Pittston Avenue
Scranton, PA 18505
mratchford@eaa-law.com
hwoodruff@eaa-law.com
VERIFICATION
I, Heather K. Woodruff, attorney for Plaintiff,Unifund Corporation as assignee of
CITIBANK SOUTH DAKOTA NA, 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.
U rr( "-,XP
BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT
THIS BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT is dated as of
November 29, 2007, between Citibank (South Dakota), N.A., a national banking association
organized under the laws of the United States, located at 701 East 60th Street North, Sioux Falls,
SD 57117 (the "Bank") and Unifund Portfolio A, LLC ("Buyer"), with its headquarters/principal
place of business at 10625 Techwoods Circle, Cincinnati, OH 45242.
For value received and subject to the terms and conditions of the Purchase and Sale Agreement
dated November 29, 2007, between Buyer and the Bank (the "Agreement"), the Bank does
hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's
successors and assigns, all of the Bank's right, title and interest in and to the Accounts described
in Section 1.2 of the Agreement.
Except as provided for in the Agreement, this Bill of Sale, Assignment and Assumption
Agreement is executed without recourse and without representations or warranties including,
without limitation, warranties as to collectibility.
Citibank (So a rota N.A.
By:
Name:
Title: Vice President &
Unifund Portfolio A, LLC
By:
ff (Si ature)
Name: G? ?t a?yt,
Title: ?/ GC6-- d"eS t
IT'
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CITIB N CARD AGREEMENT
/ i nls Agreement any.'. the f.,ic i •r
.scontain+n the card Citibank `'Grd ' a-e 1/cur h e (cla 'C. nS mcf rta t ?cccu, in tt
r , - y
Agreeme :ue
annual ?e r Cr rilurl. rr L
?? a 2 0 mo rit r, any rnem rs? lp fee, plea? , art
and keep the o der and this Agreement for your roc-, res.
To slmpliN, the rest of this Agreement for you. the .`a low;ng definitions ':V'iI
apcly. The''riords oU. your. rill yours mean the person responsible for this
Agreement, to whom we direct the billing statement. Tile word .and ,means
one -or more cards which we have issued wth your account number. The
words we. us, and our mean Citibank (South Dakota), N.A. The words
Ciiibank r that ?.:°-.?S me^n one .. or more checks ) t+Ih?t vie may provide to access
your Citibank card account. This Agreement is binding on you unless you a
cancel your accounts `vit, in 11] IIa after rec ,? 1! e,i4
%ng t, card Gnd,rJu have not
used ar authorized use of your account.
Usinca Your AcCOunt and Your Credit Line:
The card must be signed to be used. Your initial credit line appears on the
folder containing the card. A, portion of your credit line, called the cash
advance limit, is available for cash advances. At our discretion and at anv
time, we may change your credit line or cast; advance limit. 'We will notify
you if 'we do, eaner by mail or through a billing statement sent either before
or after the change takes effect. You may request a charge to your credit line
or cash advance iii-nit by contacting Customer Service by telephone or mail.
The full amount of your ;resit line is available to buy or lease goods or
set-vices wherever the card is honored. Your cash advance limit is available
for cash through any or au lay machine 'hat accepts ' tne card
y tvmated r?h. t„ t t or by using Citibank checks. The total amount charged on your account, ;
including purchases, balance transfers, cash ad,ances, finance charges, fees,
or other charges, must always remain below your credit line. However, if that
total amount exceeds your credit line you must still pay us. r
TAdditional Card ,
5:
'
You may request additional cards on your account for yourself or others
and you may permit another person to have access t
o the card or account ,
number. However, if you do, you must pay us for all charges made by those
persons, including charges for which you may not have intended to be <<
responsible. You must notify us to revoke permission for any person you
previously authorized to use your account. if you teil us to revoke another
person's use of your account, we may close tie account and issue a new
card or cards vJith a diff erent account number. You are responsible for the
use of each card issued on your account according to the terms of this
Agreement.
Membership Fee:
The folder containing the card indicates whether your account is subject to a`
membership fee. if it is, the fee is added to the purchase balance and is non
refundable unless you notify us to cancel your account within 30 days from
the mailing date of the billing statement on which the fee is billed. ?
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Citibank Checks:
Citibank ;hocks m :-,v be u's: io Durchase ,oc 'S nd r:er'!i °S cr 'C ,btain cash,
up m the amcurt of your a'v1!l ,ble cash aoaanc limitVunles' that amount v1'rli
cause the bal.3"ce'o exceed your credit lira 111e'uiil tre_': C7i-,1bar+. chec'<s as 3
cash advai,e ?nd chat ge Ohem y'dL^is your Cash A.' inr_, ! r ;t. Each ',L ..-nk
rh:Ck must Est a (I - .he r ,;e h !1F Iz.?s t.dt 3n3 -nus a :: n ri ? t 't
' t ,,c _ •r, .r, .., :,^7
Iilstrii0onS ."re give !rG "it!:_,rt1 cmccC„ r:ay rie us:, i •51- .r ... Pi'IGc
name ! p,msc' or th, l:. '. Itioal.k reC` Im ^Ct Ge s... ^ pa/ irU GC"a
ovled to us under this or any other Citibank 0 rg Agreerne t. Vile Nail of .erGi::
any Citibank. chec;Ks, nor 'avid vie return.. p%!o r i ,;"'.Pk :Worcs.
Returned Citibank Check Fee:
;VVe will _:Gr a 529 '..'o'he asn a!ivarc, i_;'nce f t;r r5c're'c :r,....
Citibank chec!,. 'lie r tr.,;ne tc ilono - - r; a.91 chec'; I :tT?fe tie
JI :... _ ... .it
or credit line. If you default, If you did not con,p!p 1,I h cur r tru '.;oils regafaing
the check, !f ?iGur accGuni `ia Deen closed. cr I, , a. _7,rd has alxQire'd.
Stop Payment Fee:
We will acid a $29 fae to the cash advance balance when payment of a Citibank;
check is stopped at your request. You may stop raymert on _ Citibank check by
notifying us in writing at P.O. Box 6500. Sioux „ails, Sou-.h Dakota 57117 or by
calling us at the te'ephone number listed on the billing statement. If you cal, you
must confirm the deli in wraifg',vithin 14 drys. A written step payment order will
remain in eilect for six months unless re,le%:,ec in writing.
Once a charge is made through the use of the card or account number we
cannot "stop payment" on the charge. if there is a dispute invo!ving a charge on
's .'•iT account. please refer to the section entitled Vhat to Do If here's Art Error =
In Your Bilf' r -
Lost or Stolen Cards, Account Numbers or
Citibank Checks: ,'
If any card. account number or Citibank check is lost or stolen or if it u think
£•;meofe !.;sod Gr'ld?/ use them 'without your permission, nctlhy us at once by
i
Calling the teleoho ne number shown on the billing statement or the number
•:!t. irtc:; cGt n t, it-; ae or ocal Diree-ory Assistance. We may require you to •
prcvide certain ini.rmaticn'n writing to help t find out what happened. Don't use
the card or the Citibank checks after we've been notified, even if they are found
or returned- You may be liable for unauthorized use of the card, but not for more
than 550. You won" be liable for unauthorized purchases or cash advances made
after we've been notified of the loss or the theft: however, you must identify for
us the charges on the billing statement that iere not mace by you, or someone
authorized by you, and from which you received no benefit.
Default:
You default under this Agreement if you fail to pay tha iminimum payment
listed on each billing statement when due, fail to make a payment to any .?
other creditor when due, file for bankruptcy, exceed your credit line without
permission, pay by a check or similar instrument that is not honored or that r.
we must return because it cannot be processed, pay by automatic debit that y .
is returned unpaid, or default on any other Citibank Card Agreement. If you
defauii, we may close your account and demand immediate. payment of i
the full balance. If you have given us a security interest in a certificate of
deposit or a savings account, we may use the depes't amount to pay any
amount you owe.
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ACCOUNT NUMBER BALANCE AS OF PAYMENT DUE PAYMENT
5/6/2009 DATE MINIMUM PAYMENT ENCLOSED
5491130142424514 23,4213 .73 PAST DUE
I J .D
Make Checks Payable To Unifund CCR Partners
UNIFUND CCR PARTNERS STATEMENT
ISTVAN CSIZMADIA
3713 LISBURN RD
MECHANICSBURG PA 17055
MESSAGE FROM UNIFUND
YOUR ACCOUNT IS PAST DUE $23,433.73. 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 I Transaction Balance
5/6/2009 This account was issued under 23,433.73
the name of CITIBANK SOUTH
DAKOTA NA and acquired from
Citibank (South Dakota) NA.
Due Payments I New Balance
23,433.73 0 23,433.73
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.
OS
. rj%.5o 00 AT N
CO 43y 62
e 2Ofa3
Sheriff s Office of Cumberland County
Edward L Schorpp
Solicitor
R Thomas Kline FI~E~~l~;`~=,CE
Sheriff ~OF THE p~~`~:~'~~Ci'/~F?Y
Ronny R Anderson ~~,~~titr of ~~r,r,r;~,~rr~d
Chief ~epury ~.> . _ ~~Q~g S~P "tg ~M ~~~
Jody S Smith '' ~y p ~~
CiVll Process Sergeant (}~F C~ ^=P"r~.r utiPiF~ `~~Li~~L~.°t~ j"*t jLJ ~~.i~1V~~
P~1`aPW.~1'1 ~~E~IH.
Unifund Corporation
vs. I Case Nurlnber
Istvan Csizmadia, Jr. 2009-5~i 59
SHERIFF'S RETURN OF SERVICE
09/03/2009 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: Istvan Csizmadia, Jr., but was unable to locate hlim in
his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Istvar
Csizmadia, Jr. The Mechanicsburg Postmaster has advised the defendant is not know at address ~iven.
The request for service at 3713 Lisburn Road Mechanicsburg, PA 17055 is vacant. An exact address is
not available.
SHERIFF COST: $42.00
SO ANSWERS,
_---~ l
~...~_
September 03, 2009 R THOMAS KLINE, SHERIFF
Unifund Corporation
In the Court of Common Pleas of
Cumberland County, Pennsylvania . .
Plaintiff Civil Division G
NO: 09-5759 CIVIL TERM
ISTVAN CSIZMADIA JR p
228 LINCOLN STREET 4 C') .71
MARYSVILLE PA 17055 Praecipe to Reinstate Civil Complaint
Defendant
To the Prothonotary of Cumberland County Pennsylvania:
Please enter the above Praecipe to Reinstate the Civil Complaint.
Thank you,
Lawyer ID # 86285
Sworn and
of / C 20L
before me on
day
Notary Public
6
l JtJ?t ^j?ni? l 'rl ? ?
F'
OLM4 a°D ?d a
2-4as8c???
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
~ 4+~~Yt~, of L ti ~n tr~~,~~ ~
'~' ~
°JF~ ~ -:; F;EC3~
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Unifund Corporation Case Number
vs. 2009-5759
Istvan Csizmadia, Jr.
SHERIFF'S RETURN OF SERVICE
11/27/2012 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Istvan Csizmadia, Jr., but was unable to locate the Defendant in
his bailiwick. The Sheriff therefore returns the within requested Complaint & Notice as "Not Found" at 228
Lincoln Street, Marysville, PA 17053. This address is located in Perry County.
SHERIFF COST: $37.00 SO ANSWERS,
~,..
~+
November 27, 2012 RON R ANDERSON, SHERIFF
Unifund Corporation In the Court of Common Pleas of
10625 Techwoods Circle
Cincinnati,OH 45242 Cumberland County,Pennsylvania _ ;
Plaintiff Civil Division - '
C�1�r Q v
vs. NO: 09-5759 CIVIL TERMp - c
v n
ISTVAN CSIZMADIA JR ° N
2012 NORTH 4TH ST
Harrisburg PA 17102
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,
ichael . atchford, Esqu e
Edwin A. Abrahamsen& ssociates, P.C.
Lawyer ID# 86285
G,rvk
n-A
Lj LP
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff �����t� �i t';.arantrcf•�tfi f �' t., (A"i �,.
Jody S Smith _ r ' I�
Chief Deputy '"' FEB 25 Phi 3: 24
Richard W Stewart re PENNSYLVANIA
' �,0UNT
Solicitor `TH " '
Unifund Corporation
Case Number
vs.
Istvan Csizmadia, Jr. 2009-5759
SHERIFF'S RETURN OF SERVICE
01/27/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry
for the within named Defendant to wit: Istvan Csizmadia, Jr., but was unable to locate the Defendant in
the Sheriffs bailiwick. The Sheriff therefore deputizes the Sheriff of Dauphin, Pennsylvania to serve the
within Complaint& Notice according to law.
02/12/2014 07:23 PM -The requested Complaint& Notice served by the Sheriff of Dauphin County upon Istvan
Csizmadia, Jr., personally, at 2012 North 4th Street, Harrisburg, PA 17102. Jack Lotwick, Sheriff, Return
of Service attached to and made part of the within record.
SHERIFF COST: $37.46 SO ANSWERS,
February 19, 2014 RbNW R ANDERSON, SHERIFF
t,u Sup,.,Win:riff,
Shelley Ruhl Jack Duignan
Real Esta e Deputy ?^°j�� Chief Deputy
Matthew L. Owens ® Michael W. Rinehart
Solicitor Assistant Chief Deputy
Dauphin County
101 Market Street
Harrisburg,Pennsylvania 17101-2079
ph:(717)780-6590 fax:(717)255-2889
Jack Lotwick
Sheriff
Commonwealth of Pennsylvania UNIFUND CORPORATION
VS
County of Dauphin ISTVAN CSIZMADIA, JR
Sheriff s Return
No. 2014-T-0296
OTHER COUNTY NO. 2009-5759
And now: FEBRUARY 12, 2014 at 7:23:00 PM served the within REINSTATED AMENDED
COMPLAINT upon ISTVAN CSIZMADIA, JR by personally handing to ISTVAN CSIZMADIA, JR
1 true attested copy of the original REINSTATED AMENDED COMPLAINT and making known to
him/her the contents thereof at 2012 NORTH 4TH STREET HARRISBURG PA 17102
Sworn and subscribed to So Answers,
before me this 14TH day of February, 2014 X�7
Sheriff of p ' C a.
By
COMMONWEALTH OF PENNSYLVANIA D uty Sheriff
NOTARIAL SEAL Deputy: W CONWAY
Karen M.Hoffman,Notary Public Sheriffs Costs: $58 1/31/2014
City of Harrisburg,Dauphin County
My Commission Expires Ja uary 8,2018
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Unifund Corporation
vs.
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
Plaintiff
Defendant
: CIVIL DIVISION
: NO: 09-5759 CIVIL TERM r
PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT
TO THE CLERK OF JUDICIAL RECORDS:
Kindly enter judgment by default for failure to respond to Plaintiff's Complaint in the
amount of $23,944.91. Notice of the intent to file a default judgment was served upon the
Defendant on March 25, 2014. A copy of the Notice of Intent to Take Default Judgment is
attached hereto and marked Exhibit "A."
Edwin A. braha sen :, Asso ate
Ale
r (ft'
Afichael F. R.1 ' fore , Esquire
ttorney I.D. No.: 86285
Attorney for Plaintiff
JUDGMENT %%
AND NOW, this day of , 20 IfJudgment is hereby entered in favor
of the Plaintiff, Unifund Corporation and against the efendant, ISTVAN CSIZMADIA JR in
the amount of $23,944.91 for failure to respond to Plaintiff's Complaint.
PROTHONOTARY
amf
/VtfrTc made," 3os3a-7
J.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Unifund Corporation
Plaintiff
: CIVIL DIVISION
vs.
ISTVAN CSIZMADIA JR : NO: 09-5759 CIVIL TERM
2012 NORTH 4TH ST
Harrisburg PA 17102
Defendant
CERTIFICATE OF SERVICE
I, Michael F. Ratchford, Esquire, hereby certify that on the date indicated below, I served
a copy of the Praecipe for Entry of Default Judgment in the above captioned matter by mailing
the same via First Class United States mail, postage prepaid addressed as follows:
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
Date: April 30, 2014
Edwin A. Abrahamsen & Associates, P.C.
atchford, Esquire
Attorney I.D. No.: 86285
120 N. Keyser Avenue
Scranton, PA 18504
(570) 558-5510
Unifund Corporation
vs.
ISTVAN CSIZMADIA JR
2012.NORTH 4TH ST
Harrisburg PA 17102
Plaintiff
Defendant
: In the Court of Common Pleas of
: CUMBERLAND County, Pennsylvania
Civil Division
NO: 09-5759 CIVIL TERM
NOTICE OF FILING JUDGMENT
Notice is hereby given that a money judgment in the above -captioned m tt r has been entered
against you in the amount of $ o�3�j �{ q
By:
on 54�1►�
If you have any questions regarding this notice, please contact the filing party:
Edwin A. Abrahamsen & Associates
120 N. Keyser Avenue
Scranton, PA 18504
Telephone: (570)-558-5510
(Notice is given in accordance with PA Supreme Court Rule of Civil Procedure No. 236)
Unifund Corporation
vs.
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
Plaintiff
In the Court of Common Pleas of.
: CUMBERLAND County, Pennsylvania
. Civil Division
: NO: 09-5759 CIVIL TERM
. AFFIDAVIT UNDER SOLDIERS AND SAILORS
Defendant RELIEF CIVIL RELIEF ACT OF 1940 AS
: AMENDED
State of Pennsylvania
County of CUMBERLAND SS:
Michael F. Ratchford, Esquire being duly sworn according to law deposes and says that the
above named defendant(s): ISTVAN CSIZMADIA JR is(are) not in the military service of the
United States of America as defined by the Soldiers' and Sailors' Civil Relief Act of 1940 as
amended;
That the defendant(s): ISTVAN CSIZMADIA JR is(are) older than eighteen years of age;
That the employment status of the defendant(s): ISTVAN CSIZMADIA JR is(are) unknown.
Subscribed before me this
Michael . Ratchford, . quire
20 1(I
No ary Pub
COMMONWEALTHps,000 Palk
OF
NOtHtial Seal Public
oyanne e. Rupp, p,, nna 9J5
CItY � main ..,�� .8b�.. .
MYComFE;:
MIEMgcF. omt,a
pRt s
120 N: R.EYSER AVE.
SCRANTON, PA. 18504-9701
(P)1-800-503-1665 (F) 570-558-5511
RETURN SERVICE REQUESTED
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
THE LAW OFFICE OF
EDWIN A. ABRAHAMSEN & ASSOCIATES, PC
WWW.EAA-LAW.COM
March 26, 2014
Re: Unifund Corporation vs ISTVAN CSIZMADIA JR
CUMBERLAND County Civil Action No.: 09-5759 CIVIL TERM
Our file No.: U09-0267/FIR
Dear ISTVAN CSIZMADIA JR:
EDWIN A. ABRAHAMSEN
MICHAEL F. RATCHFORD
SCOTT J. BEST
Enclosed, please find the Ten Day Notice of Intent to Take Default in regard to the above -
noted matter. Please act accordingly.
If you have any questions or wish to discuss your outstanding account, please contact me
at (570) 558-5510.
Edwin A. Abrahamsen & Associate
Enclosure
Michae F. Ratchford, Es• ire
This is a communication from a debt collector in an attempt to colle t a debt. Any information
will be used for that purpose.
120 N KEYSER AVE SCRANTON, PA 185N (P) 570.558.5510 (F) 570.558.5511
Unifund Corporation
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
: CIVIL ACTION
Plaintiff :
vs.
ISTVAN CSIZMADIA JR
: NO: 09-5759 CIVIL TERM
Defendant :
TEN DAY NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT
To: ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
Date of Notice: March 26. 2014
IMPORTANT NOTICE PURSUANT TO PA.R.C.P. 237.1(0(21
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER AN
APPEARANCE PERSONALLY OR BY AN ATTORNEY AND FILE IN WRITING WITH
THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH
AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS
NOTICE A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER. THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A 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
vs.
ISTVAN CSIZMADIA JR
: CIVIL ACTION
Plaintiff :
Defendant
NO: 09-5759 CIVIL TERM
CERTIFICATE OF SERVICE
I. Michael F. Ratchford. Esquire, hereby certify that on March 26, 2014 1 served a copy of
the Ten Day Notice of Intent to Take Default in the above captioned matter by mailing the same
via First Class United States mail, postage prepaid addressed as follows:
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
Edwin A. Abrahamsen & Associates, P.C.
B':
Michael F. atchford, Esqui e
&torney I.D. No.: 86285
120 N Keyser Avenue
Scranton, PA 18504
(570) 558-5510
,Department of Defense Manpower Data Center
Results as of : Apr -30-2014 05:52:47 AM
SCRA 3.0
Status Report
Pursuant to Servicemenibers Civil. Relief Act
Last Name: CSIZMADIA
First Name: ISTVAN
Middle Name:
Active Duty Status As Of: Apr -30-2014
On Active Duty On Active Duty Status Date
Active Duty Start Date
Active Duly End Date
Status
Service Component
NA
•+/L' •
NA' :�''
.'
--..""•--, •- No \
NA
i .. ,
This response reflects the individuals' active duty status based on the Active Duty Status Date
(1
t
Left Active Duty Within 367 Days of Active Duty Status Date
Active Duty Start Date
Active Duty End Date
Status
Service Component
NA
If -., NA '' -.'4.:. ,I
` 1 rr}. L. No . t:t' '
NA
t:f _•rit '- r .. J_. ..� r tr--- W
This response reflects where the individual left activ@rduty'status within 367 days preceding the Active Duty Status Date
,r•-••• fjti
The Member or HisiHer Unit Was Notified of a Future Call -Up to Active Duty on Active. Duty Status Date
Order Notification Start Date
Order NotificationtiEnd Date
Status
Service Component
NA
I, N AT{.. • :%
".. .. :.rt' ',Nom SLti'./
NA
This response reflects whether -the individttrrat.or his/her -unit has 'received early notification to report for active duty
Upon searching the data banks of the Department of Defense Manpower Data
the individual on the active duty status date as to all branches of the Uniformed
Coast Guard). This status includes information on a Servicemember or his/her
477 {S
Center, 0177
dion the information that you provided, the above is the status of
Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and
unit receiving notification of future orders to report for Active Duty.
v�.
Mary M. Snavely -Dixon, Director
Department of Defense - Manpower Data Center
4800 Mark Center Drive, Suite 04E25
Arlington, VA 22350
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility
Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems.
The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as
the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of 'does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family
member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the
protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the
"defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PC09SLDR.html. If you have evidence the person was on active duty for the active duty status
date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c).
This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active
Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active
duty on the Active Duty Status Date.
More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less
than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service
authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the
President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the
unit they support. This includes Navy Training and Administration of the Reserves (TARS), Marine Corps Active Reserve (ARs) and Coast Guard Reserve
Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S.
Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps).
Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be
reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods.
Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1).
Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website
certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not
actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA
extend beyond the last dates of active duty.
Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA
are protected
WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing
erroneous information will cause an erroneous certificate to be provided.
Certificate ID: 29B7P6C4Q091AB0
Unifund Corporation
vs.
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
vs.
. In the Court of Common Pleas of
Plaintiff : CUMBERLAND County, Pennsylvania
. Civil Division
. NO: 095759civilterm
Defendant :
M&T BANK
28 WALNUT BOTTOM RD
SHIPPENSBURG PA 17257-8219
Garnishee
Praecipe for Entry of Appearance
Kindly enter my appearance on behalf of Unifund Corporation in the above -captioned matter.
Date:June 18, 2014
Signatu
Print ame: Micha
Address: 120 North
1 F. Ratchford
Ke ser Avenu
Scranton PA 18504
Telephone No: (570) 558-5510 E t. 120
Supreme Court ID No: 86285
s e wire
PRAECIPE FOR WRIT OF EXECUTION — (MONEY JUDGMENT) RULES PA. R.C.P. 3252,3111 (a)
Unifund Corporation
vs.
In the Court of Common Pleas of
Plaintiff : CUMBERLAND County, Pennsylvania
Civil Division
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST •
Harrisburg PA 17102 NO: 095759civilterm
Defendant .
VS.
M&T BANK
28 WALNUT BOTTOM RD
SHIPPENSBURG PA 17257-8219
Garnishee
C)
y
Lc
.p
PRAECIPE FOR WRIT OF EXECUTION AND co
ATTACHMENT
(MONEY JUDGMENT)
To the Prothonotary: TO SATISFY THE JUDGMENT, ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER
(1) Directed to the Sheriff of CUMBERLAND County, Pennsylvania;
(2)
(3)
Against: ISTVAN CSIZMADIA JR
And against: M&T BANK 28 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-8219
(4) and index this writ (a) against
Defendant(s) (b) against M&T BANK 28 WALNUT BOTTOM RD SHIPPENSBURG PA 17257-8219
Garnishee(s),
as a lis pendens against the real property of the defendant(s) in the name of the Garnishee(s), any and all accounts of the
defendant(s), in the possession of Garnishee, including but not limited to savings account balances; checking account
balances; Certificates of Deposit; Money Market Accounts; contents of Safety Deposit Boxes. Defendant's SSN(s):
***-**-2905 ;
(5)
Judgment Amount
Interest
Payments
Clerks Fee
Sheriff
Poundage
Total
$23,944.91
$185.00
Date: June 18, 2014
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Michael F . Ratch ' • rd, Esquire
Edwin A. Abrahamsen & Associate P.C.
Attorney for Plaintiff
mratchford@eaa-law.com
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THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY PA
DAVID D. BUELL, PROTHONOTARY
One Courthouse Square • Suite100 • Carlisle, PA • 17013
(717) 240-6195
www.ccpa.net
UNIFUND CORPORATION
Vs.
ISTVAN CSIZMADIA, JR.
WRIT OF EXECUTION
(Pa R.C.P. 3252)
NO 09-5759 Civil Term
CIVIL ACTION — LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the judgment, interest and costs against ISTVAN CSIZMADIA, JR., 2012 NORTH 4TH STREET,
HARRISBURG, PA 17102 Defendant (s)
(1) you are directed to levy upon the property of the defendant (s) and to sell the defendant (s) interest therein;
(2) you are also directed to attach the property of the defendant (s) not levied upon in the possession of.
M&T BANKGARNISHEE(S), as garnishee, 28 WALNUT BOTTOM ROAD, SHIPPENSBURG, PA 17257 -
ANY AND ALL ACCOUNTS OF THE DEENDANT(S), IN THE POSSESSION OF GARNISHEE,
INCLUDING BUT NOT LIMITED TO SAVINGS ACCOUNT BALANCES; CHECKING ACCOUNT
BALANCES; CERTIFICATES OF DEPOSIT; MONEY MARKET ACCOUNTS; CONTENTS OF SAFETY
DEPOSIT BOXES. (Specifically describe property) and to notify the garnishee that
(a) an attachment has been issued;
(b) except as provided in paragraph (c), the garnishee is enjoined from paying any debt to or for the account of the
defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof;
(c) the attachment shall not include
(i) the first $10,000 of each account of the defendant (s) with a bank or other financial institution containing any
funds which are deposited electronically on a recurring basis and are identified as being funds that upon deposit
are exempt from execution, levy or attachment under Pennsylvania or federal law.
(ii) each account of the defendant (s) with a bank or other financial institution in which funds on deposit exceed
$10,000.00 at any time if all funds are deposited electronically on a recurring basis and are identified as being
funds that upon deposit are exempt from execution, levy or attachment under Pennsylvania or federal law.
(iii) any funds in an account of the defendant (s) with a bank or other financial institution that total $300 or less. If
multiple accounts are attached, a total of $300 in all accounts shall not be subject to levy and attachment as
1
determined by the executing officer. The funds shall be set aside. pursuant to the defendant (s) general
exemption provided in 42 Pa.C.S. § 8123.
(3) if property of the defendant (s) not levied upon and subject to attachment is found in the possession
of anyone other than .a named garnishee, you are directed to notify such other person that he or she has been added
as a garnishee and is enjoined as above stated.
Amount Due $23,944.91 Plaintiff Paid
Interest $185.00 Law Library $30
Attorney's Comm. % Due Prothonotary $2.25
Attorney Paid $314.21 Other Costs
Date: 7/31/14 141.XLete--
David D. Buell, Prothonotary
(Sept Fi
REQUESTING PARTY:
Name : MICHAEL F. RATCHFORD, ESQUIRE
Address: EDWIN A. ABRAHAMSEN & ASSOCIATES, P.C.
120 NORTH KEYSER AVENUE
SCRANTON, PA 18504
Attorney for: PLAINTIFF
Telephone: 570-558-5510
Supreme Court ID No. 86285
MAJOR EXEMPTIONS UNDER PENNSYLVANIA
AND FEDERAL LAW
1. , $300 statutory exemption
2. Bibles, school books, sewing machines, uniforms and equipment
3. Most wages and unemployment compensation
4. Social Security benefits
5. Certain retirement funds and accounts
6. Certain veteran and armed forces benefits
7. Certain insurance proceeds
8. Such other exemptions as may be provided by law
•
Deputy
2
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
CF THE PR0THONQTAR,r
22014 AUG 14 AM I I: 45
CUMBERLAND COUNTY
PENNSYLVANIA
Unifund Corporation
vs.
Istvan Csizmadia, Jr.
Case Number
2009-5759
SHERIFF'S RETURN OF SERVICE
08/12/2014 02:53 PM - William Cline, Deputy, who being duly sworn according to law, attached as herein commanded
all goods, chattels, rights, debts, credits, and monies of the Defendant, in the hands, possession, or control
of the within named garnishee, M & T Bank, 960 Walnut Bottom Road, South Middleton Township,
Carlisle, PA 17013, Cumberland County, by handing to Emily Holtzinger, Teller, personally three copies of
interrogatories together with three true and attested copies of the Writ of Execution and made the contents
there of known to her.
The writ of execution and notice to defendant was mailed on August 13, 2014 to Istvan Csizmadia, Jr., at
2012 N 4th Street, Harrisburg, PA 17102.
August 13, 2014
{c} CountySuito Shontr, Toleosoft, Inc,
LLIAM CLINE, DEPUTY
SO ANSWERS,
RONN�R ANDERSON, SHERIFF
Unifund Corporation
vs.
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
vs.
M&T BANK
28 WALNUT BOTTOM RD
SHIPPENSBURG PA 17257-8219
In the Court of Common Pleas of
Plaintiff : CUMBERLAND County, Pennsylvania
Civil Division -.0-- c/)
�crt .mac- ---.?
-- t C c :
cP. N ....1 Cit
NO: 095759civilterm -c .-,a : " 1,
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cp
A ii s Le erg 4-v *1 c.,-1
: INTERROGATORIES IN ATTACHMENT
Defendant
Garnishee
RE: Execution of Judgment against your depositor ISTVAN CSIZMADIA JR SSN # ***-**-2905
You are required to file answers to the following interrogatories within twenty (20) days after
service upon you. Failure to do so may result in judgment against you:
1) At the time you were served or at any subseqent time, did the Defendant possess any
bank accounts, joint or individual, that were in your custody or control? Please specify joint
or individual account. Please list the legal title of any such account(s) and the primary
account holder and if known whether joint account is entireties property.
2) At the time you were served or at any subsequent time, what was the balance and
account number of the bank accounts(s) identified in Interrogatory #1?
3) At the time you were served or at any subsequent time, please list the average daily
balance in the past five (5) months for each such account identified in your answer to
Interrogatories number one (1) and two (2) above.
vn cz../ca,�b�
4) At the time you were served or at any subsequent time, did the bank account(s) that
the Defendant possessed contain fund derived solely from social security funds and/or
disability funds?
r\ 0
5) At any time before or after you were served, did the Defendant(s) transfer or deliver
any property or money to you or to any person or place pursuant to your direction or consent,
and if so, what was the consideration therefore? "
hV
s
6) At any time after you were served, did you pay, transfer or deliver any money or
property to the Defendant(s) or to any person or place pursuant to the Depositor's direction
or otherwise discharge any claim of the Depositor against you?
Inv
7) At the time you were served or any subsequent time, did you have, share, or utilize
any safe-deposit boxes, pledges, documents of title, securities, notes, coupons, receivable,
license, or collateral in which there was an interest claimed by Defendant(s)?
8) At the time you were served or at any subsequent time did the Defendant(s) account
contain funds deposited electronically on a recurring basis and which are identified as being
exempt from execution, levy or attachment. If so, state the reason for the exemption, the
amount being withheld and the entity electronically depositing those funds on a recurring
basis. no
9) At the time you were served or at any subsequent time did the defendant have funds
on deposit in an account in which the funds on deposit, not including any otherwise exempt
funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S.
Section 8123? If so, identify each account.
10) Identify every other account (not previously noted) titled in the name of the
Defendant(s) in which you believe the Defendant(s) have an interest in whole of part,
whether or not styled as a payroll account, individual retirement account, tax account, lottery
account, partnership account, joint or tenants by entirety account, insurance account, trust or
escrow account, attorney's account, or otherwise.
Ylon L.
11) To the extent that you're above answers depend in whole or part on documents,
account records, or other papers or electronic data, describe each in exact detail
(or attach a copy of the same). ----
M&T BANK
Edwin A Abr.ham -en & Asso fate/ P.C.
fiarkaglrfiWAr
AUG 272014
ichael F. Ratchford, squire
120 North Keyser A -nue
Scranton, PA 1850
(570) 558-5510 E t. 101
Unifund Corporation
VS.
ISTVAN CSIZMADIA JR
2012 NORTH 4TH ST
Harrisburg PA 17102
vs.
C"Ws`i
In the Court of Common Pleas of
Plaintiff : CUMBERLAND County, Pennsylvania -,A
Civil Division
: NO: 095759civilterm
Defendant :
. Praecipe to Dissolve the Attachment against
Garnishee
M&T BANK
28 WALNUT BOTTOM RD
SRTPPENSBURG PA 17257-8219
Garnishee :
To the Prothonotary of CUMBERLAND County Pennsylvania:
Please enter the above Praecipe to Dissolve the Attachment against Garnishee.
Thank you,
hael F. Ratchfor. Esquire
dwin A. Abrahams n & Associates, P.C.
Lawyer ID # 86285
cutegStipi 0/11d,
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