HomeMy WebLinkAbout09-6231IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS CIVIL ACTION
300 St. Paul Place
Baltimore, MD 21202
Plaintiff
f?vs. NO: - /P22 ( ?t uc l,, I ?
I'
PETER J QUINN
168 Virginia Ave
Carlisle PA 17013
Defendant
NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the claims set forth in tl
following pages, you must take action within twenty (20) days after this Complaint and N ice 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. Youjalre
warned that if you fail to do so the case may proceed without you and a judgment may be 4tered
against you by the court without further notice for any money claimed in the Complaint oti 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 )O
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 HEL .;
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE AOLE 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
IIII
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS CIVIL ACTION
300 St. Paul Place
Baltimore, MD 21202
Plaintiff
vs.
NO: O 9 - 4 -7 '3' Cam.( Tom..
PETER J QUINN
168 Virginia Ave
Carlisle PA 17013
Defendant :
COMPLAINT
Plaintiff, COMMONWEALTH FINANCIAL SYSTEMS, by and through its attorneys,
Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows:
1. Plaintiff, COMMONWEALTH FINANCIAL SYSTEMS, (hereinafter "Pla?ntiff")
is a Delaware corporation with a principal place of business located at 300 St. Paul Place,,
Baltimore, MD 21202.
2. The Defendant PETER J QUINN (hereinafter "Defendant") is an adult individual
residing at 168 Virginia Ave Carlisle PA 17013.
3. At all relevant times herein, Plaintiff was engaged in the business of exten4ing
credit to potential clients.
I'.
4. Defendant applied for and received a credit card issued by Plaintiff with the
account number 5398430021669732.
5. Use of the COMMONWEALTH FINANCIAL SYSTEMS credit card was subject
to the terms and conditions of the Cardmember Agreement (hereinafter "Agreement"), a Dopy of
which was sent along to the Defendant with the credit card and/or personal loan. A copy this
document has been requested from Citifinancial, and will be provided upon receipt.
III'
6. Defendant accepted the credit card and/or loan offered by Plaintiff with aunt
number, 5398430021669732. Use of the credit card and/or personal loan in this manner
constituted acceptance of the terms and conditions and subjects the Defendant to the term ,,and
conditions contained therein.
7. The Defendant was mailed monthly account statements relative to the Def?rtdant's
use of the subject credit card and/or personal loan.
I
8. The Defendant defaulted under the terms of the Agreement by failing and Ofusing
to make monthly payments on the account as they became due.
9. The account became delinquent on December 5, 2005.
I.
10. The principal amount was $$12,547.57 at the time of charge-off.
11. Pursuant to the account agreement, any unpaid balance accrues interest at t?e
contract rate of 30.1%. 1
12. The principal amount was $12,547.57 at the time it was received by PlaintO
13. The total amount due and owing the Plaintiff including interest, is $24,373.X2.
I'
14. Pursuant to the terms of the Agreement, Defendant is liable to Plaintiff fob court
I'
costs and reasonable attorney's fees.
WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the
amount of $24,373.12 plus costs of suit and any other relief as the Court deems just and
appropriate.
sen & Assoc.
Edwi/Kd
Michrd, Esquire
Heathff, Esquire
Attorn: 86285/207805
120 Nve.
Scran
4
mratc w.com
hwoo w.com
Phone: 570-558-5510
Fax: 570-558-5511
I'
'I
VERIFICATION
I, Michael F. Ratchford, attorney for Plaintiff,COMMONWEALTH FINANCIAL
SYSTEMS, am fully familiar with the facts set forth in the within Complaint and am aut6ized
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.
"k a
BILL OF SALE. ASSIGNMENT AND ASSUMPTION AGREEMENT
THIS BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT is dated as ofl
Doccmber 28, 2006, between Citibank (South Dakota), N.A., a national banking association
organized under the laws of the United States, located at 701 East 60th Strzet North, Sioux Falls,
SD 57117 (the "Bank") and Unifund Portfolio A, ]t t.C, located at 10625 Techwoods Circle,
Cincinnati, OH 45242 ("Buyer")-
For value received and subject to the terms and conditions of the Purchase and Sale Agreement
dated December 28, 2006. 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'
successors and assigns, good.and marketable title to the Accounts described in Section 1.2 of the
Agreement, free and clear of all encumbrances, equity, lien, pledge, charge, claim, or smun
interest. - This BiD of Sale, Assignment and Assumption Agreement is executed without recourse and,
without representations or warranties including, without limitation, warranties as to collectibility.l
II
Unifund Poll A, LLC j
Citibank (SOVOY a cola N
By:
ptttxr*
Name: ?irL offtcerT
staac r1UP
Title:
Br.
(Sri)
Name:
Title- ??6C?`?r75 t?gtc?5?'`OU?3
C)q-?(aZ
II ,r
A' fiM V
Eti
PARR .
E
This Card Agree'rnenl ripich indude'syourcard carryour ierar;' . { ,
Y .iSjroureontra?i:re'iii:ris;atidgerr±s•thess:ol::e
r.contairis:+ ortaris accoyjit.`
and aG00 'arf s,.,t.c, ...r:,,. d'th's .'}ti •??.? iriiorrriati{i? tnelu0 You ah it Ple a percentagi;;rale5
,tiies6• - ,?• ?:•
rid'lieep ?` ``'
'r??vdocumenlsttoiyou7?re "?ay,i?-ti.?:?, .:?•::•° ?:;?;.,•
rt. ?.?. i?• Wk i J •i'riii .C-M?+low.ll::'4;'?, ,.. i
?` -`?FAETSA-80•.U:7??RaTFS?AND•?F,EES.
For coimpkte inforr"riatioii abotil hn a iacls; please see-liie
retated•seetions in.this Card Hgreement. ?,
;.. RATES FiNANCE'CHARGES'' ;.
-' • .Purchase and Caih'Adva4ce APRs;:Sse;urd carriej, kit
Y: f?}is'bas?d .'ttie:Pi?ne Fiafarnay:iary' 1i1tilliriq period,:
i.:Oetaulj gPR.?Stye°ciiid carnRNThe Dl;ault+AP:_ .t uals she ..-
?- *r 7 r- 5
E `f - . ''" to 2 995;; vihich'e ?e?:'
s?rlii?e'Rateiplnsiup.to?23.99;k:.or?up„,'???,,,?,.,a.; • ,•„
Increasetgp to•the:Deiautt
•Dreater.+At1APRS'may:automat+?alhl:,°•,. -:.... 3
APR•ii-yo[iaa9 to rnaketa{payment?to us'raren du:, exceed
your crWit.line, or maWa.payment•to us'thai`is not tronor?. I
Mintmnm?Firi2nce?Charge:•50.511.• ? ? ?:`:,?.r .,-;.,. . i ',
TRAfVSACT•;ION;?E??F?N?ANGE?Ch1ARGES ? ??
• ,Bataii'?y;uai?ste???ee? 3°1o:ot?eachabalanceii?nsier;155'r
' .mrtdmum` 7 aitax(rnum;:' '•;4,:; •„ ,'?,,x• ,', _.?,w.; ,.,
i:: C!f::i!icY'$ci'.a+-?`?•{;r y!•':.y?
?? :?arch ses`Mdg•tn a?Fdreipn;•Currency.Fee3°1.ioi="each
?aiia?rsN?;
r`cliase?[fer>;its'+oortirersr6n,into-t3 S; rr,?;
'I :cash Adve A ot.each-caih advance!.;55' Urn
.':?ce?Fee?3K{ r ..??:., Ali! ?'ca-,?{r r?• : 1:., , `?'` ?•,:;
to Fie iS15 osi bzWhces up t0 'S10D;.$29:onibatances aT
5100.up'19*42.$.O.; 39,on•balances o15250:an0.oveT.
Over fha? dit'Uni-ke: $39.
,AnnuaLmi-1lbe •;tip'5f wi;ipi.vfd'66ith. t r''rM'. + • ,
•Retumed,?Pa?`meai?FeeaS39 ? ',;, :: r.:,, ,: •,,, '
Ref rued Coriv ?ieoce Chei1iffi : S39.
51opsPayment one oaventence•Chock fee. V9.
Rates, tees, acid terms may change: lye rriay.change the
rates, tees, and.terms of.your,account at any nme lot any
reason: These1iea bM may be-based on information in
your 4redit.nrpbit; Stith as your, tzilure.tti; ake payignis to.
anotllera7¢dff?ttd{,vlho-0-di:;A?!I $';owedtp'oth6reWitors, f
tlie'number'of;cr?dil?scobpl?•ovGstantlin?'b-r'tlieriumbenuf ?•, .
credit inpuidt:sjfre5e°?aa'sonssmay alsa`ineiutle coiripatlilve '
or markbt,: elsited;laetorsAfMa:rnalae:a chanye;(or any of. j t ?; ' ::
lheso,reason's;;yoii•viiili?receivo;advance?ntice'and-arlgtitto;
opt out in accordance with applicable low.'
''?Q S?,?,, •? ?ryt-.f.? :! t"?'.If' it
TM
e
1'
1 r ' '.,.? , . 116t?t'•y 1$Iio.?•' ureltrrrertty:?Yi,';i
due, anG Der}t#diie? r..? yYO..
s credi4 gne eisasTi?adwanceujn?t:aii,3ieni?xe6`ds`iot'riifjnt'•.
by r,_.. ' n'i,?mon!` an'[irc,BditS'ialr 8_SriR1t1t21Y'.xrldjOtCfu?.
6V
i?'?'i"'" impOrtaal•ir??orriiatioif`,we;GBllYefa StBtemewftily Vi?uy, wler? ;^
e rate: ny t 'r??f r address: Y61i mirsl olii ;CiiatoineriSi ri A OiA-ilsaaprsiinj A
:,..,.., .::l?:;tf'+:w"•;?b'r:dG_?::.,i ..ra..;c.:?1,tLru.eienmlvnntrdc?Otl(It":urit;Q118C?bFB:`CF'i(1?U1?F
:II M=YYy;aj,?: 'µj "__-__. , ? :y-_•'..-, i e 1 ? r,n?.??,11.__eNwJ?^ :. . f. ,...V ?• S" i -" ! T??l£.lr?l?..i4...., -:.
?: rEBRielt ''trs• 111Q-StUpjSCnd??slatEr7lCr?tS'yid:'"' .`t.•?.? .?:?T '< '
Ecredit undo this'Card'AQ ti =:^ „
.,.I,xexr?aer.?crs?w?as: an0J1h'a .?t:s?.t ! :i... ,•...,... ?..?,? ? u;•,,• .,::.,. z t::;:?:?•,::?.?:.,..
'Gard' rerme r'(gr,Apreelnenl)?ih m;Icvis•dowehtj4 rS" s: hinv,Bslairce: it r; 1: v l:;,:+ra;. -;.:
.'µ..:. a Ttu•lotatamourti?!ou?s aPAtA,
caid,carner:,: cri'ihetritl"m teinent.?Te?deteimfnwrhe;Newral2iiie:rretr'
;M._ issucrcf' gg dGri ' tiod.
1. ` 'wer 'Mai 'our., CiliDank.(5oultt,Dalrota), be<§in riit6i F fi`` t l ti3Wrrcy Bi the:siar[';o{'?tt??i1' tpe ;.; ' '; _::,; <•
. ,., ... n...: ...,.... -.sor:Gaw:..;F' 1.. a.... d ..•.w 'ir\ r?f!.JyS;^i!'.' ;.. '
d°su$t zN
dirk add pure esesh aiimces ark ?, , tra•t
VWIr'sCCOr?I: ;'[ ,?Cr. rl.t' rs..Yi.,...1 ?"
All, t .i,sa ?rnenls°,cfedlieai as o,ali5Pnodrv{a: t?
?+ ?urir:arrd burs 1ne persflnvrtio.appligd 1aopen the u'e3iis or,?tG} at?bi 0,!:g`
d ^;•.
Y Y then ad?d'a 11 Per 0 1C:fipa 1i a f asid'aiake'othei i` 1: ri ;, ,• ::::,,
lliri %'Alh ncei a es? r ens'
qrr; Y "' Y1o
arrloihsrpersoniespbgs el?. Sp, accoun*an UrIS'AQfBEt:QfOt`R AI As INdRErilCit igamR ba$ea 0i1•I+Ie " i' 'i'•' rr";.. , •,;j ; .
.APRt?Ba=a?d?an;P.hlner?V'le:c?lcrd ?.x..;_..
.`" ;• ? ME
a?Y°urX
Y
' this=: IJ.S:`Piiine,R?;e e'Rale. f itiy'a?dd. ,pt PPeSD: a a. , '
kkl'o`IJ agrctto.usa yDUr accgunt-in accordance':uiihi r
- ' ntess;ou. amoiirit'tti ',Appe{;Pdirnbrs:onttiecard:ca{ne46.1le??,•MWRite.
r';::prearnen;ThApreemhnt:iSblNtg' ';ospd ,r r 4
b ed•
caiiikl: Dui ai ctiiiirt v:r?hin:3t! dayS a? E1t #the card for c-1hh-hr6ing.peni d vii use the'PiiniC t3%-pu I?Sfi
- IA I ',`e'or$vthorfieuse`o ih$card':Yov in the lira'Srreel;loumaltaro OvsuiDss`days;p"rlai;
aiid you hive f
that:Dilliri9 'eiiodyl{' i?it: µ[a!1
t'e for P r
i 1)a a
mun pay'us I i•'?iliarniioats:dde on jrorifi'a tfltt?as' sped.itd S?t.menlh.loiu9- .'•.
Your•account ritust onh?'t;t:ri5cd°fortavl?ful Sliest lorirnaldoes riot p-ubiisfi,lS i*.PrrlmirAit ;•vAtir .iy'
iri UrisAgreement "'
;. , sustit±ite p sjirr'tlazpubfisfles'ie.'!i clian`?e in ait'AP.R lira ? :•
transzeilons; '.`;';.?'?
'' '? toa'ciian e''ri+`•?tie""•Prime•Rale.,a'Fes=attiil??s'oli?ie?riratdxy 'ks? ?,. :•1 ?;,1?:
vn lio"t.;: •?,..,.. ti.. R:M'a'a •?,'?'•??t'?,' 'f?}:_?:'-:;.?.
peifod for trlhG i.?va tiali itlateiDe'W' p?!• ,
Aiitticr ? `• :aUO ra'
ed Users llorl,ay Oil
diiioiiSJ:carps taf ipp_ ot'piE uraecut,?Ybiimy?t?eslad, u rfiiEd• the nevi a fable APR to any:e?dsti5p iialances,,subject to"' 'r
•gia derby ?har
p t: that'm a
'+Yisti;tmist a for-all V
is , K "''bl ttio 2ri, prornotictiz rate may PP
M: ? :: e
rs e"vegr? o Q d;not'ititendbe ,
use
i?r l `11 our APf?s'nrtay iacrease'itu'defai,lt drider r
s?(ghyod ' Oeiarilt'Rtite; y ,
P?S'r`•Yoii`i»US1rn?rY;? Tra: R•.pansr t3:tor
cl a a caid'or to rtulw tocbirrit, arrr'caid,ApAWment ttrat you liavi:i''rffheUS-D.ccaia- -M. -tad to
pnie to,an yout. irirW e ;
ke a pajrmetil to us i?rheit due: )Rrr`;ezcead%o>q uedit iirie, ".?:•.:,
Credit line: Your nfial credit iine'appezrs on the exrd ca?rler, rria s a Dom?erit to us that'is notlionnred:'fnthnse
rRa
The iu'? arnounl of your•credd.linels Milatrle td'buq or:le25e or you .
clrcurnstiznits:v+em6?y aiiigi(iatliaty.:I ncreaser}rotirAPiis
goods or services wtrere'the cartSris honored. act,of,your.
mo 01 .. ', - on,l:tia'to the ashadvangllmr?,y;;%avartahl6t cant pp?'- al
uadit line, called.the'c $ . Deiarilt-APM-4'trlcb-ic ' W thep?WiRaie;pkis ripto 23:99"n, f: }
we mcliangeyo r,1redil;Ono, pcash
y"1o,26' `isfiictiei?e is gr?terfaclors iorisidered iri" t. <.;
y re
pe {.y' ` • 3 :t`,`'; `'•,
luii?l at'?rN:time: ar%anY ?easo!rxr 1, etirin<nntiiy.:yoit p/van d'e
account' iia fi-asgi>Youren Ueia bperi, utt RPfi rr?ayincliide'how long ').Our'
p 'may;likel gifect beloreyoU tt `retC 0 yo the tintin0or'seriousne$5 of a default
change;:lint ltis chars e,?
un n!ii ittg'lriodiC us, or other t.
itati Th'e„totatltialanrxoirygTij dct O 4J.. d. f3ndei aejr t3aiQ F+greernenf that you havew ith [. ;
t'rnancf.ctia, starditties;,ritustiays'remalr?batovi'tite ,•., indicationt oFatcount performance. Ilse Oefariff•APR takes
I
uedl[ suit Himrii?ir lllhe•f jb r26tce exceeds':yoU uedit: elied as c4 thefrrst day of the billing period in which you
tins you-must SO pay'us: your accodnt:his a cred1tbalance: r:! mayreducertlie tledit balance tjy at!}: nevi ddault. We•may.16%v6 the APR for nmv-putchases andlor .j•' • r '. ;,?; .
credit fine:,:? majptain a credit . cash:adrestces'U'yyou meet the terms of all Gard Apretrrtehts
Trot
chrrges.an Your eccoiifil: You•meY that u.have,:??ith its for siri consecutive btllirtg pedtds.
' 1'''•• °; }_?,??. .
D3lance•in ?xcets ct:you. .. • ::: • •• ' - ' ' Wiling 1>3lances ieiriaM tv6jed to the Oetault APR'unUl.paid
r nL:Yout tsilliri stali:tiieiii"stlgws the total oifiam:ise. t''' " ' ?'1'
` '""• ' r'
t3111tt19 §talerne 4' in toll, unless'e tell you
Dziarice?periodicrriance cliaiga's','fes iriinimuin'"am6urit': ' a
`•„!"..,,.q.?:-..an+...M'l?'K„?'»w.rr•. _.r ,.. ,.,.....Nw• n . r. w,. .: , . ...?., ........?..,v........w, ?
1
_y'r r. _ •.1'•?I ,.?.! 1t4 7iJr..k .i °'r•;; . - 9,r 1,i • .1
fir',;' .. S' •11 .. I.p'. •'t X: 1 . ?.??iR?••: rt Y•: 1, •I ???t.? -1.? •'`.
-vi
?jn'Qry. ..?.- •?J?Nf': .•?,` ? . ?.i. ?. IS!r!j.r'.' ,1 , _- r . r .. .. 1'•? '
e
,,
>•?,ipCre3sesi.peirvu,?. ••.
ri'.minfm+Im;G,aatt?nt?ma)? ,,
ges:Based On•APRs
idle Hrtar+te charges,are•,•..
tfie,dait': , ;'
'riBrri;c ,.
riles. ''
Periodic
i'ou.para me,new.oor"., - ,••;,`:,-r : - iQllf fJE'il
yme+il due date on trot slaternenl°and you pay)
inemenl
t
•
S
once t the payment due date on your curren
you in# bd unable to a',oid
trandter
lance
b Ti
Ir
,
.
a
you made a
r+odib°fuldlnce chafpes oll new purchases: as described to c
e batance transfer otter. ll
'
tlriulation.af Pirlodlc,Finanoe Cllaiyes:
'tre;multiplytliert'aib'?balanc?:t>)',the' -
'iach'balaitte
of
F
h .
1
,
.
,•
e,
ipplrcabk daily periodIt,'(me7NVe:do'ahls'toi each day In t
io>iic'rz%0-S's theappiical;le ARfl '
'
'
" ,t
1
,daih per
A
eiioil:
tlii 1p
ivded byc365.Wbill'utp_peilod-bapins on the da',t alter the
d
' 1„
p¢rfod
tateiiieriVC!os+nfj'Dato oi-the pre+hus bitirhg
0. ad.
00le'of theculrent hii5nabn,p
iii
;
g
udriifes iliaStnigmentlEl4s
To'pet.thtdaiiy.balange vfentakedinq uaR?id?AErtodlc finance
'da)
et
i
ery
,.
afznce
or eacb,l
9taroes i[gtn:prevloirs billing perigtis)'; add. any,neN+ c}raiges:
evlDUS jday`s
t u0tiastrany cretlts.orPayiri it
balaailednee is as hOteatedthat':
A cMd
ts
m
•
., .
en
ray'and'make'Qther:adjust
u a,tiabnieotiit:ro -
?tl?e;add a,ctia elolhe.dzlly balsnoe as'lojlows: We add'
te balance as of the 5a1c Date
i
a
a ptirctiae;lt%thti appropr
We add a baance transfer or cash
ent
t
'
.
em
billin' sta
on the
As of of the
dvance to a appropriate l I IIi
e
o
a
s,
purchas
sact
tar
'the statement, Wa add sny
:pt:casf! adiancas,to the sarrie.belancei
as•di,the sa'rite'aaie•the.trkwalon;is' :
;iha;1?ost bite is ihe;dile:rye
ilaricis
,
2si foi the batapye traostif or casfi`ad?ance,
' I `. •. .
Of
it that vie :complete a'batance trihilii «5.
ivetiitijce,cheikIsa specific
trar}sler or convenience checlldireCJy
a
;•...
.
PBSi;Date 1s ftte date':+e fever ?,th",check •, ?
;i "fusaage char e. v:e add upiaU:gt the ,
anci? charges tor,each'.batarice tor.each,day, ! K :
'
tb*D* B44nCO SJbjea to Finance f Bike rat
7a j 1'•;.
,
the average of the daffy balances during,the i .•
)bu multlply:thss figure for eaeh•batance
l
e
a}s m the bfiling'penod and byitie 9pplic D
is tbo periodic'fr%3' r chdrgis!
le; the resuft
,
except- of ntipbrva:iatlorrS cali8ed
:t balance
.
ice:Ch3;ge: It the periodic fait finance chaig#
- j '
•mui
t•.be'less than $0.50, *e asscit a mioi
.
GE-01"S0,50. Wt,add the anioupt+lbiriy ; •'
c>
ts'sesso6 a finance charge:
Transaction Fees
,ansaetion Fees and AM: If you are ";sassed a'irtnsectio?r
eloriptalantieitrdnster, a purchase made t.'+ a foreign
or a cash;1&ahce, the 11SPSaciron fee will cause ,
ie!A,P?Ron?i?re:D,tlZng:;taremcnt,on,:vhkh,+iheAra(+saction {i
r'shap`pearsrto exceedyour nominal;hPR,• ;,....?. ,; .; ; a .•..
n an+anF?i;e for>Balanee Transfeisi You,obtaai'a
alanc"eiransferllf}toi? obtain finds tiirctipfj 4 balance r- •
iaste?r?O .?•cTwck'oriraptler a balancz :iittwul usinp`a cash
1 WA •A •A•/
id:2rjr:?.ttonvem??co check we treatibilarice transfers as
iu'""rchAse-11 iess otherwise piovidid in hits Agreement.
bi eichlbalance;transiv L.e add an addilioriat FINANCE
?NAflGEwf; o of the amount of,the balance transfer, but
ririi:iess}}fhap S5 of more.than 575.
1$ansOonlF9e.16r P,vnhases Made-In a Ftirei n CurfeS
r°;pa?epur?ti$s'e'tnade'i'n'0 toselgttcurrencyv:e add an
ad ditional;HNANCE'Cl1ARGE at ttiE purchase'xmou?rt?
atter',its converstagiinto 0 S. dollars: "
var.a ; z, inf
7raruactioniFee;lor Cash AQ:arcei: You eblain a cash
advance ityou gbtsln funds through an automated teller
riiictiirie`jAT ji.6riverirence check home banking, or
frriar tat i1iSlilutioh; rnake a vAre transler; obtain a money
order, tr$v+fer's check lottery ticket, casino chip, or slmltair
lteint:of,engepe In a simltartransaction. For each cash
s
z X.
to zs2' itlStrUCltotlSrl!rC.4We:.Tbt:d)e'?cksitnust:ftot be:usad
atlJanctitire'add.an'additlonal FIhU1N..CE tyHARGE ofr3°A'oi ;p ari?amoirnt otived ij. n?errthislopanotiie?aGB?;I ; ?r. '
h°advan`ce';but•noi:less thin Ss. rnent that" oir ai?e;??r+th` us ti1rJe'dornot+urtiyr.tlieSti ?; , 4,
;am6uni'•oi1b6•cas '•,,.. Agree {Y...,:?:.. } ??xr>:•
' ' 'Fees.; '` 1 sy h;c?,,cYs;thatshave beerirpaltl::r' 5,??,5
+? chect;s rn snyt; _.., -,.. Y a•,'FS ,r, ..:,
t JtE7_??s ry,ar •. :?i•TI I' ,? Of l?tU ?,,.aV?•::} i(:+.: r,,.;L'rr,.. C,: i;.,' y„
_ f eslandard••p, ,blarice :,: kr?iiatron?on•Fo?1gn?Curten + ,'tai i'
te'Fee`.'V?re'a 'a late'1eeto.:h-/ ..••., urrfiase irito'? sss w z:a?i t*,Y:' +f4 ,rr'''::•,?;:'"
each`?tiitliny;pe? atell?d; A tluadat, ,':,,,'.f?!.sConversiarnProcedures ,sl ";``:,.; yt ?'t,, ,:
I IQd yo , I.?,Y'??. Yi. ,1y{?.• •?+•?: :4i.i?:l`- M• T+"l • '?>.:.'
tnourit:f]rie:(liiss .ouritQver,rBdit'tine• ?' :' `'t action .foreign cur envy„oltrerihan?a" 1 ;6!?,},t';.;;-
?ihef t In.a ti 1. b•
nirnum`A a' tt u'make a'trans ?',.:,n: , • -
?' femeii ?•'.Sti?sdeeiisitlaiseti on yoai'' Y'? r,,,y;.r.-.... At`lyf*, aflifiatiss,
i''ori? 1Gag st3 t): nce;,made:at•eVagclipr y. oi:one.ofioiir,' ::M:x<<?:::::;:;; ::;;
yol?rr tit • T e- cash'ad,?a ,,? k~<,
ov n' a rtrQrit'due:de,• ?'a'? .. r•• + ? p e ii r??p?q ?.,t.?:?s,::., ?•.. i
` t tinCe as?of ;thti t' Y le' it is $ :, x ress`. e d tl Bich ' ; °"
Wht -H t:4as?erCard;:VIsa;or?fim6!?cait, , A, .,• .
~' , K$29'ori'ib3lancgs ni SSOQ`aPitq'ScSO. ! , a nf'iiito??:S'.;^dolta?s 'tot us: ,;; ;;, ; :-:: .
lancesv to"$i00, i525b '" ?" a'rd;fs dsed,''cnmsrt's',thz;a>nou_?s? .,•., ?;,. "' ; ,,
P ? aiid?.ovii•.?,'?• c •..•-• 'ItsTto r?su`?iency;con".i%er° -• ;>~r•,?,:,??.,,::,.,
d'S99bntialadcES;o ,. , ;i.;., •.,1.'>'elastec0ar,?complie5';?t'1th1.a. x.,:: ,.: ,•,
it 'r• ??...,:...?...,:, ,...,• •?•• ? 'O,Cir a :? ;
" ` ' it'.Ll , :14e` ' ittia standai'if , e e"ct,: (?!iasterCir rr n,?y?uses. , r' ; ; i'; ; ;.1
erttia=Cred,- ne;Fee :add???ie?'y;`uicredA sion'procedures',Uien:in: tf..'...:• .'?'
rctiase•ba an 'B U. ount bale,' i!'ven a;iii i<iirsiQh;rale ip lift Qne}d"' or?faiis uvnfac? ""* `,
lr I to ouraec ,., d.thrs:iGe: i? eC1' x s. a•::..°,^'`..
"°:nD':tlie'biltingiP.orioiiIWO; ?... ?,•. :.Ubb:'p"?ncessinp;?iatezt$ucti?ntet?. e?iher a?rfiiiii?ate •' •' :; <:: !;
i?at any,tirne;dtrn . -• ;Tees;. r'. ,•:' dafed;rati
' ^- erioiiic`ifinznce:chafiges ?t?rat¢:Ofttie. foment=triart?„ ':":?`.}?'"
Uiere or 0? ,?....,. mai?_ gbvt ;.}
1?ai15dGtlQif51Y8 Z Gu ,If: Z t f""`w?`FZ1, *covnt'tialin a ?.V s.. n cif : nversron i
r ?lrsC :are adeason?ihe p , 1 complies i%rith its Soie?p ,? ircnC>l'co ,. ; ,.-`:
n1 gtliu t#ia 4e5`'Y. ;' ?• oUnt.• rirrtr » s
xreeds,joinrxedit;line:lNa.ad?itfiis?t€eleten;if:.ttie procedures iheri.tii'etteit.vlsa:c ni};uses;iornei-
.eifalls,tiefo r=ygiii`c?edil.lina' y:tN End of the'billiDg:.' slen'iatp:+d'ptlaat ori•its.appiical i'cei±italljirOCAs' RG `
i riod' :`.`;,` ?' ,; } „! •, ;.•, ' date.,S1164, to is either a'fate',ii'se lecls'iroiti;the:ra+ige.
;c =. {' + . 1,r , g of rates 2iisslrble in wholesale curreney?imrkeLk ?ihich i:'t
urnual'tAemtrershtp Fee YI? add any app cable annual
sioi?ila` I:pu2hase bal5h! C :-Thh-fee is nay vary trom'tbe rte it•recelves; oiithe,$rn=eminent-
nEmbeistiipiteeto'ttra . •• `•
toii•refundable.uriless?yoti.notiiy!:u's.•to cancel•jour:accovnt• ,.mandiled':r?te. ,. •. .r:'?s?r•??.?r?•?. ; ?.:..,.:?'`??
or. t;u er date;oi iho hilltop -,American Ei "ress;complies'with"ils?iognkcy?renpj!„ r
idttun 34, days of tpt . taiNgg :4 ? > , • ; • A • articular .-. , ,' '
s ti ebnersiori A.rocedii ies :tt?eri .rn' a=iecJ nless'a p.,
acmerH.onvrh`?cjlthe;iebis:billed ?: :;' .. ,-••..•..,:•, }, :F
'ratels'rdqulred:bpgPPlicalile'?tsvr;;thz;ri?used,tiy, F '-. ',
`etur et We add a:S39 (ee.tc.:he standard z be ttie?h hesUrnterbank rate
hid'Payment•Fe l,.. Ameiicari'Expiess:slialf !G, ,
v 4,•.•
pr?tduse oatapce:lLa;pas?m?ntcheck.or;similar kisrumgnl is
FIBcI `
nQi?hono?ed;.or.:ti;ielurneQ!tiec?r{u nnoi be Pro p s foe the tra saction i Ooce?cd by+.limc is n £w ss nlclt c
itiati`.' wino i'ivdeblt is?r, rnm d;u'npand: ti'Ve ac t . ,
... i.... tlme':jrovi theck,iir .. r, ni is not honored, even if • If a:cash advance is made in a foreign•currency.ai'abranch
or RTA?;ot;ortc of our affiliates, the; a wM?ls,-?rive?;e'd into.: t ?` '-' `
wis•hi;.iw•red. ups rewbmission: :{. to the U' lla?s by,dui afli>iate iii acoowdance!r th its',f?orelgn
add a 53::;;, ;; ,,'`
Cornett Caiiyeniiirire Checti Fee: Ha 9 fee c; do.. roeed xhen??ritetiecLl,ufaf 1+liate;:•; !;.rt''
jiff ne.tglriiniSr'a.com{enieriie' Cprretticycc?nveilon.p ui?es':, ?, r,?l ?; ?.,'';r `"' '
st`aodaid':advaiice tialan?ce rf'tt1`e:decli :i" ples' erroritlytiiise`s.?,rs"tun;ratr:in ef?ect;an.its appCicaltle
>< y?e iiiscUne'tolioftor hgse'checks?.:'Ior:e'Om ;"" ,, '" j"nt?>?iaitizt'rate `. " ' '?
chef ;m?Y _ recessin iiate?Stich:rateiis'elthir.;a7m d=P? ` `' ,
:, : viotild cause:'t?e?balance fd;exceefl" : ;P ...,,.,, t?:µ.,...,,: • : •j >::''' ',: i
!ihe amdUt:dt'. e•ch'ecii'a ,, . e•povernmerd=r 6datad fate ;,.::,. „
the iasti,adv it ' iriit or oiis '3rdih4 hea c 'r If?:? a bresgn crirtency con4raion iale;i et eci,ar'the•. . ` , ,
A>yvritttt'dar.iristru ,0. .. q: 1,
orir,aaaunt )ras bgeri Closed:: f' :• . ;s•.' ?'' !: ° . aAP!{ln p the Sa eoo rPost di a art your bfNling om j ,
Sto Payment:on;t:onviEnierice;C6eckF6e :1A'e.add ;a S39.i, a th_ [z•e r e
pp ,
bafarice iitvie:hoabr•. ovi request to staterteni.for lhsi 3ransaction• , {
to ll?e stand?rdadvawce; io?stb" °'rrtenf dri!
,uab' artiaht':oh'e,4onyenli?ncecheik:,• P, pal It,atiahsaclioiris.converted'trya:tiifrdpdrtp.prtortosirCh
D P Y 0 Siotiz Falls '.' uori°ti?ln rpces5edtby;MastcrCard; Visa, or ;.: • •,
t:a'cQnventsricec' k°ttime'iisalp ??ox'6580;;' Iransac 9-A islonratefor' -
i?ec 'CUslofsieGScrtineel n+ittibe? ori' 'tht:idraipn curiencjr ;conve :s? : _? :' :,
i17 brcaliifie; _ R1°I?? .'
pSQUth Dakhla 57 , :; t -?. t ou riust'coii1"PO' be 6211 fn ihat,iiansacilon:+?'ill4e thi•rales6lecied by'tf?at third party' '. : ;,.; '
?the?bitttrip?stateirie?tt:?Et?you:cx I??Y ^ ,„.. , . •. .. ..r'?,• '
r ?` a rnenl'ordii?rremalris pa nie ?fs i t
'virlttripvrtthin i;?adaysAvFritlonsCtip;p ?' , .. .•. ; . Y, P.
In etlecl• "u"nt'ess?relievieil.tri't?}'nttitp::: ^ ' `.. u6t poe: each moit?h' you:mutt pay'at iezst 1
,fgt t3:inoitts? ?.. Minimum Aipii
Balmce;TiaA of Check o?d?Cai !hafience;Che ?a`. Each th`e WMinum'pmount 0ue by the pa;mtent due date The
?checi::mu3f•tieiritfig•forrii:rl'tnrasissued`andusedatco .fl ,
?;I •; I 4 ,rr?.Iw nv.,. -.,,r,r.w.Il Ir' ? •
rs°..+r.?!a°Irr-.?"t.''.""'u`°.ra"oe'w!ev!c?•-.••..,-?*+•.:crr•?'? ?: j ;: ', ,!•!;• ,
' `' ?+?'?i`?i;1:4"?' iil{ ;;:' lh?,?•>=,?•'• • >Si,k',;` . ?'., . ?s , ? f t,:4,:.b,ti? , .y-:1:: • , ?` .
•,?''T?e? !!?? , FUiil?,,l{•- i:iy „•?'C' :?l , :; 75.5:.:;:1.. ?•, kt yk,"? ,,
'St1?!Iiid'q, :'It.il;ilrC t. ?.. i, ,. t?,? {i ? ?'J .• ; ', - j' ,
_ ]`\r.''° ?tl?i !"}'11L? ,,:. ,•''?t•:: ,;'•,.' ??11'::fi:, ' ? i. i• •?r `'. ,
f •ti.' }} r? S ,
'141 • `.i ;'. ?..:1?• :i a, 21,•i':. 'fir..; r l ?, .t ,' •1•?''-i ••':
,[;?T?^.?'?,• • •: i1 '? ?, ., - III
1Ne?%eaeneeiitie:r?ghti.;lo;acreepfipaYma" ..:........:..... Ihe, egfnn}ng?of?the;. ....gP,..
curren±.ysnd?nstrul tints d e c'unonc i convars oo ia4e ode. tiecam? es?etieclty e`:;lf you'do,not agrea t6titiie cha ige ou
itiz,?l: ?svntida, i?+p sa?e;wt? 4.t,,._,.. must naifiy,ut(in.vrnling within 25daO.' altere tilt ive
.1d r ert
'
0. 66 :uur,discretbn aRd:, iddilwour,aceount?ltl tl:S. dollars tt?'r or date Q1 Itie'thange!at%d pay us the tiital bile
ded'tii?b+0'a!!Y,ccgs i'narRea';1firp essing l our P at"oace,oirnd?r,•.tiin:lerms of the ur?chapip Agree a t.
'? "`, Unlesti ie;?rotify,YOrl otlienvlse,'u30 of the xard'afte ' e.
vremay: fiit6you separatety?fo?rs wcrigbsts? re uest to,niake'.
eeined ac ce
0 ' irbl P4eY by,P ane;Senrlte:;.lfoopGaorialS....PAa e(teiif've date?bt.the Change -shall be d e no cep
y b-Rhgrie .c:, of the:new tcrr ;.even 1t,thB42 this li''av t'ezp r.
??istitg
?,tsy?phone y
payMont'
` Ya Sa me `ou rn„akeis c i atiequest; yoU;agieetta.pay Qetauit
Fach,_ y •
usitfjeiaiiiount sholvn-lrt tljy=:Pa/,'as::Photie sectior? olj'ite?rti??• . you defaun under tltis:Agreernent.It you fail to pay th
bac?C?afl?te'bg,?irZp;statartier?IC.?r, reptesentalives are;trsined;;
'Minimuli t-Amount Due by its due date; ai:cet'd your c e a
tine, pay.ba cf?eCk or sirrntar instrument .hat is not 1 a • ored
:to;ieil.yay;this.amoGnt-ri you.declrle;ty use this optianptPsl,: y,
by. Pfioa .S; 1, - - ar that we-Must return because It cannot.be processe pay
Credit;Reporti n9 by auioniatic di bit,tt?at'is'retvrned.unps+id; Sile 1?r ba t ptcy
repojtf " or detaulf;ui?ifer 3m!;tilher:Card;Agieement:that fr b a
we ay report•Iri[oimaGonuihotit'youracgounllo:ciedltRlri n
ies •La1a':p vptc 1,
,t count and de e.
nt p ,en a lii'sfits"missed,payrrte :ts+°tn?'' us. It you detaull," maN1EI your a
g c., Y ,4
II youe
ta
otfig??defautt on yo ''reccoftrlttmay;aPf i:on Yout; led ,.,. imimdtategyRent;bf t>c tol,balance
ie may u s the r
ofi
1 r„ot ers tre + In@ resV1t a:CediGcata p
p sp Y. !)e as+l
reportilf:)oilgoe (Ti5 DliiyOUr,a000?tf11: ?-"raft"ier? . y y .
•aii ? m'o'unt Yeu.ov,e.
ttie•itamss;8f,ttiose;:.. deposrt amornt6`pa rn
:1 :'away repoit•accou?rit. oim , .•;.p:
9
ill;K• !!I II j
11? r' Ir 1 7i I??'!. l l'?ilr 1: J.(• • ;. u;; i i •-,,?:•.' 1:, _
,1, 'Ifl''f, 11.!•'.1':!' ''1 ,, 1,. ., .'
,? iii t' j::ii 'I•::a.
11 A.:?!f%il?+f l irti; 1' y'1: • L_ .1!!?i;
VIA.
so teas?X"eiL?lM'e may;xlsq°obtaIn foud? uP;Cfedltireporis . ':
I". e}Ne"rieBalanc e; th'e.tess.ybo:%Od>i.pay;IR::! ''t? ,..p j vie??r)??u
on to orcexa(nPle?ghin'?`.;rr+accoust ounttor
00119 }OUPM: a „ a;' , •, : r' , = . ;}. •(t rr?iic 11cic
.ianca c r l'es`?.;s #t ` ; -;''; : ci'sdii t'rneiiricfease) t(;you,vrish?io:tinov;;
aid t? r m!J?rnount:Dtie, ?vZ'be9iii liil ti;aiiy s•ai the Customer Seivise addee arj 11?
t ? I die`u
trduelainou ?a dladdra yrnmo>anl'in E>xeas'of Jour credit
0g.551ement a... Cs
ine:Lwa': hlEn;addAhl `:tar0est:6f tlie?[olioyairaq: tteppi ed,ous?information to a us3i
i1?y114tt1 RK',
:"; 1Zit11l1y,aa?dR?E :OJ1;tfie!?iilt'mg?sM1atement it it is:tass ttiian a n? %vdte.usiat-, he?gyst lileL'SBIViCe`addfe?9' ,
fePQ"r ?' i?Yeevtll? roinpttyrirrvestigaie thR
'an,fhe,?bflUngrsta?emer:t. P...,•
.' $201,f'ttie jleii+1 ?larir.iis uodgtl;:• ; '•niatterandiii) ,agree v+•ItlirY9iiuvre? ilcon,ad each:.;.
?ti•afaft's;t it;8afa ce,(v+tuch ca CiitaEiani: rs;r-{, Cie 3t,repart Q:a4cna/ to+?1N?c1 ?} repoited:and;re
'r dQn?ritt`"" E;newest;do[la?);plu?s,?hayam• "ount,o yoiii..' •' .: ,dN ,attei our i esil stf'on; i ilI"gree:'v..dh p u
?;, r r $+ a trcabte to;e lee;;or ;i:?rreciron:,,,, f y r,,
xtt 'nyt P9 we°+riibtell?yquin?yniing.ar:try;leiephon and.teit•y?
bllfed'financs:eharQes?sa
'
s vrti?cti calcuialion is:ibended
th asa E131 ies for itict us( n in 'r
i:•ti:5`4oi;the3!1,,.13alahde. ,( : „ #4.5Upmfi staieiriarit to a?
' dovm;#o lie'rieafest"dollar.?• b 4er;:XCeeas,theMe:v cid!Wre a
p"it • ;j
DUO x-
8Vi an es to:this:Agreement
No+v,'•epiip ttiehiniiti?m Ain t....mum;r, miiUnt'Ltrie..to:yourpre;nay •`,}w'?•`?;, . Cri
,In t alci tat p i r ? , ?. ? ?•r r
„', t'lhlsi; i
f3?(,.gce orti?the lenrv'nce ceiiaiirlfees added :We;???,hange?llie:rate:s;•(eesiaiidile(ms;o +
subjna 1 } a , .. ??....: ,• reisa I
` nod r +' ' ?''' A'g"reernent?al:ercy;time?.for'afiy;. ..... eeTlie`sg. ns
aeequnt':durlrt a. e.;Dilli?0'Pe a`, e?yts;and c'rzdiis tg `may b? 6as`edtdn:intoifiailen5in?'yaur credit repbit sui
men ?•,Vliesa ;..,_:.,d•...,-r r.. ,
P !
AQpticallonyoi;P.aY...;.IS ...•..,.P,A.Y?- .. .
(6v:.A. P.R,tiatances;betose+nigltecAP[?;batan,es: That:nieag5.•re ,;riEn du?'ejfaregrr q dYo o he ?ueEllari??tlicanirm. Ibti
., y_fl??;5awngswillba•reducedt f>, au,mal,etiran?a..twns tt at a ??ojfCredit•acsounls?outstanding:?ar;4the;number,of;credi ; .
::subletttohigherkPAs.•:r.•:?i:'•:,:? "inqu[IlesfTtiese:nasens:inay;alioinclu'dettompetdiv: r.
;'Fa menl ltfslrric! ans° Papriienis'ara;credlttd l i accorckrice ; maiY.el=re(sledlastais.;Changiagiterms1ncludes;addi
Y.
Svah;Ehepayiitiepir linsuitct?on"s'q??the°bilti'rig sta;emenl:'You re"jact? `'"o??deletln9:Proylaieosjielatiit?'.tp;Y.our?acs. t'
r? "usinSf } `a'°iec;';simi6[ligstrlirn.nt P_ g•?,
ust;pay;us` m U:S 8ot?ars" ?,.hy.: andiloiljienatur,:airtehi;:anA enlurc'inerit!ot ttery. '
autornatiudtli.11th3trtSidrawn.an and 1Dnored,by ahe ubiigatlopsfyou..df the ha've;Tel'allrig;lo lhliirl give
It tfie,t ,'ge;
atT" >entfErxs aVleyca"ntaceOptO; lacy or dial" Ive a ?. r d
Tir'ese thaageslaieibIhdjnb.0ft you irre've'r.*.
:.'intfte?tfS ?UpFriat,' i`?a aldlE1uN. or::: >...-R at,l,. a:..:., ' .
:`•p''ajtptandymen'{ssihate??eCD..,, Q ?ciil:cause3a?ieerrate'or'mtiifmum paymept to:lncrea
vultout lastnq our: ri his.' -¦ °^y° ` '
:. other?reslriclr4e ts'made in ioreigri . we:wtlf,mail?youterltlen notice at;fez5:day;:ti`eto
' bitUn' ` cria? irrti651c1i?1fie cliari
'1
r l t!I' r ri58t;aIbAtf tiatdment bt the reasons for the,awarde An.
;;?c?•,•.:• •' rny?,..,'Q. ? i .a.
l?.::HowFa?bltral:to,•rt Wdrk's
lio'ur dots a'paR iirtlfife?!aibliiaflge?'Thb pa,'rtliia an?a!" fiavrar>i:!n arb+tration shall:dtt6nI6e.thiAghls'and obliga'6s
'arbitration mu`st`choose.°ne;ot;tFie fatloirinp taro°a YON rtiitration Stief??}eeq,tlie:named part+ES oniy,and onFj in respect of
'•firms anG foAow,its;niles antl=procedures itir?ln iatings3rid thi-*i%iins in•arbitratioq,:and shall tbt hire any bearing,oh
ursyin. an.atbit afioh::American•Arbh?ePori'kss f iiYtiori or ihp rights and oblipations.af aM= otlier,.pefson, or'an ttit
NatlaaalA[tifiiativn`F,6itan%kiiY`?rti r"atron.he2nn 'that,y u resole igh:6l.any:other:d+s?ule
...: .o
?ai{eird-tiriU'ti§;h?eCd at a l e'tttigsenYby ihfailiitration finri',•: =tNh'ii papa? W4oever litestie•a'rbitration pz)s the ini8al.fil`no
Iti;th csaytbl as, a Aihsoa[n?ltieoi eI tce'iv"r}iic'" ?leii file; ?t psy; if you file; jou.Pays unless you Qef ?e
e'Ii' hi I
wa y'tM-;M1, lln. •jYo? ?p hISI Ogia mstf,?` - Ife',•you have pW.'t e?lnlpt a? T1iNbNi aYbu prevail, wefi
of ezch?ofitie ??b_Itr Uon firms and.to and rebUrse.youeior that fee If Ehere rs,x.heaifng,,pe tytll p
yiiist?ruclians`ter'rniGatirtp;'in'atbllratron:by.contaciingth?m.• •xrij. f+tes'ot thesrbi{rtat 4n? aibitration.f)r`m'fo[ llte fiist • ,
•z's Ipllriivs: o11t>at:heaiinq..All,bther fets';!riDbQlorated a's proyltle..,.';,
Am erican-Arbitratfon Association th= rules'iif the.Alir4666-Arm e?,id.:a.pplicable IiMr itorrei
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BU OF SALE
Unifund CCR partners, for value received and in accordance with the terms of the' Accounts
Receivable Purchase Agreement by and among Unifund CCR Partners and Commonwealth
Financial Systems, Inc ("Purchaser"), dated as of January 29, 2008 (the "Agreement"), does
hereby sell, assign, and transfer to Purchaser all of its good and marketable title, free and clean
of all Dens, claims and encumbrances in and to the Accounts listed in the Account Schedule
attached as Appendix A to the Agreement, without recourse and without representation or
warranty of collectibility, or otherwise, except to the extent stated in the Agreement.
Executed on jsnuary 29, 2008.
1. NIRM CCR PARTNERS
By
Joel Ro thal
Director, ales and Marketing
t„
For Uuifund Usc ONLY 12
CONMENRAL
Client # PID CID #
UNUUM CCR PARTNERS
(2)
FILFC .ir L
OF rat.. ? ?Tkgy
yl
X78. so ?d R?
4r 1
R Thomas Kline
Sheri
Ronny R Anderson
Chief Deputy
Jody S Smith
Civil Process Sergeant
4,6*utr of Ernr?6rtlh0
OFFICE C THE S"ERIFF
21rgcr-p P' • 19
vi. ELI L 4 r;?'i . S?• I.;
G, .'.
r. L
Edward L Schorpp
Solicitor
Commonwealth Financial Systems, Inc.
vs.
Peter J. Quinn
Case Number
2009-6231
SHERIFF'S RETURN OF SERVICE
09/23/2009 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: Peter J. Quinn, but was unable to locate him in his
bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Peter J.
Quinn. The current resident of 168 Virginia Avenue Carlisle, PA 17013 is Thomas Quinn, he advised
Deputy's the defendant is his father and he has never resided at this location. Peter J. Quinn is living at
501 Buffalo Whitehaven, PA.
SHERIFF COST: $38.40
September 23, 2009
Sheriffs Office of Cumberland County
nF THE = fipiY
SO ANSWERS
r
R THOMAS KLINE, SHERIFF
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
Commonwealth Financial Systems, Inc.
vs.
Peter J. Quinn
~~~~ti,. of Lu~r~Fir~l,~~~
~er~~r:F ->~~ c,~~~tr~
Case Number
2009-6231
SHERIFF'S RETURN OF SERVICE
09/27/2010 Ronny R. Anderson, Sheriff who being duly sworn according to law states that he made a diligent search
and inquiry for the within named defendant, to wit: Peter J. Quinn, but was unable to locate him in his
bailiwick. He therefore deputized the Sheriff of Luzerne County, PA to serve the within Complaint and
Notice according to law.
10/04/2010 11:54 AM -Luzerne County Return: And now October 4, 2010 at 1154 hours I, Charles Guarnieri, Sheriff
of Luzerne County, Pennsylvania, do herby certify and return that I served a true copy of the within
Complaint and Notice, upon the within named defendant, to wit: Peter J. Quinn by making known unto
himself personally, at 501 Buffalo Street, White Haven, PA 18661 its contents and at the same time
handing to him personally the said true and correct copy of the same.
SHERIFF COST: $37.00
October 13, 2010
SO ANSWERS,
RON R ANDERSON, SHERIFF
!c} CountySuite Sheriff, Telersoft. Inc.
FiLED-OFFlCE
E THE PRQi'HQI~OT~A~Y
201a OCT i ~+ A~4 !! ~ 32
~UMBE{~LAPiL1 CUUNT`~°
~~~~~~"~L~~~~~~',
TDD (570) 825-1860
200 North River Street
Wilkes-Barre, Pennsylvania 18711
(570) 825-1651
FAX: (570) 825-1849
CUMBERLAND COUNTY
09-6231
COMMONWEALTH FINANCIAL SYSTEMS, INC.
VS
PETER J. QUINN
STATE OF PENNSYLVANIA
LUZERNE COUNTY SS:
JOIIN wASSII. ,DEPUTY SHERIFF, for SHERIFF of said county, being duly sworn
according to law, deposes and says, that on MONDAY
OCTOBER 2010
AND COMP.
Luzerne County Sheriff s Department
Luzerne County Courthouse
at 11:54
A.
the 4TH
day of
M., prevailing time, he served the within REINSTATE NOTICE
Upon PETER J. QUINN
the within named, by handing to HIM
HAVEN
personally, atHIS RESIDENCE, 501 BUFFALO STREET, WHITE
in the County of Luzerne, State of Pennsylvania, a
true and attested copy and making known the contents thereof.
C
Swom to and subscribed before me
Sheriff o Luzeme Cou ty
this ~''~- day of 20
Notary
by `~.~~~
Dep Sheriff of Luzeme County, Pennsylvania
" ,-0
is F T r- h' `. `THONOTARY
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVAN&I # ,Y-'' 28 AM 40: 16
COMMONWEALTH FINANCIAL ff,UMBERLND COUNTY
SYSTEMS : CIVIL DIVISION
INC
vs.
PETER J QUINN
501 BUFFALO ST
White Haven PA 18661
Plaintiff :
: NO: 09-6231 CIVIL TERM
Defendant
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 $24,373.12. Notice of the intent to file a default judgment was served upon the
Defendant on January 14, 2011. A copy of the Notice of Intent to Take Default Judgment is
attached hereto and marked Exhibit "A."
Edwi&A. Abfahamsen &
Michael F. Ratchford, Esquire l
Attorney I.D. No.: 86285 '
Attorney for Plaintiff 4. a?,pp 4
C? Baal
JUDGMENT ?tk o?(,c1 l l ?'
AND NOW, this - day of ,tyie, 201, Judgm nt is hereby entered in favor
of the Plaintiff, COMMONWEALTH FINANCIAL SYSTEMS INC and against the Defendant,
PETER J QUINN in the amount of $24,373.12 for failure to respond to Plaintiffs Complaint.
PROTHONOT Y
J.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS
INC
: CIVIL DIVISION
Plaintiff :
VS.
NO: 09-6231 CIVIL TERM
PETER J QUINN
501 BUFFALO ST
White Haven PA 18661
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:
PETER J QUINN
501 BUFFALO ST
White Haven PA 18661
Date: May 19, 2011
Edwin A. Abrahamsen & Associates, P.C.
MidKael F. Wtchford, Esquire
Attorney I.D. No.: 86285
120 N. Keyser Avenue
Scranton, PA 18504 /
(570) 558-5510
COMMONWEALTH FINANCIAL SYSTEMS
INC
Plaintiff
In the Court of Common Pleas of
CUMBERLAND County, Pennsylvania
Civil Division
vs.
PETER J QUINN
501 BUFFALO ST
White Haven PA 18661
NO: 09-6231 CIVIL TERM
Defendant
NOTICE OF FILING JUDGMENT
Notice is hereby given that a money judgment in the above-captioned matter has been entered
against you in the amount of $ on (4P J A&11
By:
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)
COMMONWEALTH FINANCIAL SYSTEMS
INC
Plaintiff
vs.
PETER J QUINN
501 BUFFALO ST
White Haven PA 18661
Defendant
In the Court of Common Pleas of
CUMBERLAND County, Pennsylvania
Civil Division
NO: 09-6231 CIVIL TERM
AFFIDAVIT UNDER SOLDIERS AND SAILORS
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): PETER J QUINN 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): PETER J QUINN is(are) older than eighteen years of age;
That the employment status of the defendant(s): PETER J QUINN is(are) unknown.
Subscribed before me this day of ?k 20
I i
ED41*1 A. ABRAHANISEN
MI-HAEL F, RATCHFORD
HEATHER I:. 1,kTt0DRIJFFI
ASO A MEMBER OF FL BAR
THE LAW OFFICE OF
EMM A. ASKULAItSEN & AS-OC AJ E,-. F(7
WWW.EAA•LAW.G01v1
January 14, 2011
PETER J QUINN
501 BUFFALO ST
White Haven PA 18661
Re: COMMONWEALTH FINANCIAL SYSTEMS INC v. PETER J QUINN
CUMBERLAND County Civil Action No.: 09-6231 CIVIL TERM
Our file No.: 08-02102ND
Dear PETER J QUINN:
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 & Associates,
Kevin J. Cummings, Esquire
Enclosure
This is a communication from a debt collector in an attempt to collect a debt. Any information
will be used for that purpose.
120 N UYSER AVE SCRANTON, PA 18504 (P) 510.558.5510 (F) 510.558.5511
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
COMMONWEALTH FINANCIAL
SYSTEMS CIVIL ACTION
INC
Plaintiff :
vs. NO: 09-6231 CIVIL TERM
PETER J QUINN
Defendant
TEN DAY NOTICE OF INTENT TO TAKE DEFAULT JUDGMENT
To: PETER J QUINN
501 BUFFALO ST
White Haven PA 18661
Date of Notice: January 14, 2011
IMPORTANT NOTICE PURSUANT TO PA.R.C.P. 237.1(a)(2)
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
COMMONWEALTH FINANCIAL
SYSTEMS
INC
Plaintiff
vs.
PETER J QUINN
CIVIL ACTION
NO: 09-6231 CIVIL TERM
Defendant
CERIFICATE OF SERVICE
I, Michael F. Ratchford, Esquire, hereby certify that on January 14, 2011 I 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:
PETER J QUINN
501 BUFFALO ST
White Haven PA 18661
Edwin A. Abrahamsen & Associates, P.C.
BY.
Michael t. Ratchford, Esquire
Attorney I.D. No.: 86285
Kevin J. Cummings, Esquire
Attorney I.D. No.: 209660
120 N Keyser Avenue
Scranton, PA 18504
(570) 558-5510
Request for Military Status
Department of Defense Manpower Data Center
Military Status Report
Pursuant to the Service Members Civil Relief Act
Page 1 of 2
May-04-2011 10:55:15
. Last First/Middle Begin Date Active Duty Status Active Duty End Date Service
enc
A
Name g
y
Based on the information you have furnished, the DMDC does not possess
QUINN PETER J any information indicating the individual status.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast
Guard).
)6t YA.
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense 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 Service Members 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 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 is on active duty, 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 is on active duty 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).
If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a
middle name), you can submit your request again at this Web site and we will provide a new certificate
for that query.
This response reflects active duty status including date the individual was last on active duty, if it was
within the preceding 367 days. For historical information, please contact the Service SCRA points-of-
contact.
https://www.dmdc.osd.mil/appj/scra/popreport.do 5/4/2011
Request for Military Status
Page 2 of 2
More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a
period of more than 30 consecutive days. In the case of a member of the National Guard, includes
service under a call to active service authorized by the President or the Secretary of Defense for a period
of more than 30 consecutive days 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 TARs, Marine Corps ARs and Coast Guard 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) for a
period of more than 30 consecutive days.
Coverage Under the SCR,4 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.
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 SCRA
extend beyond the last dates of active duty.
Those who would 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 name and SSN provided by the requester.
Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID:1 GLUON2131-10
https://www.dmdc.osd.mil/appj/scra/popreport.do 5/4/2011