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Home My WebLink About09-7679IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TARGET NATIONAL BANK Plaintiff NO. 04 - 1(o?9 l.:?? 1 IMP M V. KEVIN L RUCH Defendant(s) COMPLAINT IN CIVIL ACTION Filed on behalf of: TARGET NATIONAL BANK Counsel of Record for This Party: Gregg L. Morris, Esquire Pa I.D. #69006 Patenaude & Felix, A.P.C. 213 E. Main Street Carnegie, PA 15106 (412) 429-7675 PF_PA_I I Cmplt Cvr Sht P&F File No. 09-39658 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TARGET NATIONAL BANK Plaintiff V. KEVIN L RUCH Defendant(s) 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 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. NO. Usted ha sido demandado en corte. Si usted desea defenderse de las demandas que se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte (20) dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se describe anteriormente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros derechos importantes para usted. 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 PA-2 I Notice to Defend P&F File No. 09-39658 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TARGET NATIONAL BANK Plaintiff V. KEVIN L RUCH Defendant(s) COMPLAINT IN CIVIL ACTION NO. AND NOW, comes Plaintiff, TARGET NATIONAL BANK, by and through its attorney, GREGG MORRIS, ESQUIRE and the law offices of PATENAUDE & FELIX, A.P.C. and files the following Complaint in Civil Action, and in support thereof aver as follows: 1. Plaintiff, TARGET NATIONAL BANK, is a corporation and for the purpose of this litigation, maintaining a place of business c/o PATENAUDE AND FELIX, A.P.C., 213 East Main St Carnegie, Pennsylvania 15106. 2. Defendant is KEVIN L RUCH, an adult individual, believed to currently reside at 604 ALLENVIEW DR MECHANICSBURG, PA 17055-6199. 3. Heretofore, the Defendant(s) opened a account with Plaintiff being Account No. 4352376740406111, for the purchase of good and services. 4. The Defendant(s) has/have made or authorized a number of purchases and as of June 14, 2009, Defendant(s) owes $5,960.55 on said account plus interest at 0.00 %. 5. Plaintiff maintains accurate books of account recording all credits and debits for this account. IIA_05 Civil Cmplt Crdt Crd P&F File No. 09-39658 6. Defendant assented to the correctness of the balance by making payments on the account. 7. The Defendant(s) have/has received monthly billing statements from Plaintiff setting forth the nature and amount of all charges made by Defendant(s), and the transactions between Plaintiff and Defendant(s) give rise to an account stated, upon which Plaintiff has relied by continuing to extend credit to Defendant(s). 8. The Defendant(s) made payments, but have/has refused to pay, and now refuses to pay the balance due and owing on the aforesaid account in the sum of $5,960.55, plus interest and costs. 9. By making payments andy by failing to object or dispute the statements, Defendant(s) have/has assented to and agreed to the correctness of the balance due on the credit card account so as to constitute and account stated. 10. Despite repeated demands, Defendant(s) have/has failed to make the required installment payments when due and therefore the full amount of the account is now due and payable. PA-05 Civil Cmplt Crdt Crd P&F File No. 09-39658 WHEREFORE, Plaintiff demands Judgment in its favor, and against Defendant(s), in the amount of $5,960.55, plus interest as set forth herein from the date of breach, with continuing interest at the legal rate thereon from the date of Judgment plus costs. The damages requested are less than the maximum amount for compulsory arbitration as set by the Court. Respectfully Patenaude & Felix,A.P Date: July 08, 2009 Gregg L. oV51" 213 E. ain Carne e, PA (412 429-7 PA-05 Civil Cmplt Crdt Crd P&F File No. 09-39658 m?p?e sm?ry ????lllh?lll???lllllll TAFIGET- ?Ooc )0 Account Number: XXXX-XXXX-XXXX-6111 Account Identification Number: 00030590067 Statement Closing Date: June 14,2001 KEVIN L RUCH Page 1 of 2 E_ mill Tarqet Visa Credit Card Account Summary Total Credit Limit $0 Cash Limit $0 Available Credit $0 Portion Available for Cash $0 The Cash Limit is a portion of the Total Credit Limit Questions? Go online or call us: Manage My REDcard Target.com/redcard Target Credit Services 1-888-755-5856 TDD/TDY 1-800-347-5842 Outside the U.S. 11-612-307-8622 (Call Collect) Calling will not preserve your billing-error rights Previous Balance 15,921.55 Payments & Credits 0.00 Purchases & Advances 0.00 Other Charges 39.00 FINANCE CHARGES 0.00 New Balance $5,960.55 Amount Past Due $1,345.99 Minimum Payment Due $5,960.55 (includes any Amount Past Due) Payment Due Date July 9, 2009 Payments & Credits No payments or credits were received last month. Other Charges Jun. 8 LATE PAYMENT FEE $39.00 Total other Charges $39.00 Target National Bank, an affiliate of Target Stores NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFO IMATION ID TARGET NEW PHONE, HOME OR E-MAIL ADDRESS? PLEASE UPDATE ON REVERSE SIDE. OFFICE COPY STATEMENT PAGE NOT PRINTED INCLUDE THIS PORTION WITH YOUR PAYMENT MADE PAYABLE TO TARGET NATIONAL BANK TARGET NATIONAL BANK P.O. BOX 59317 MINNEAPOLIS, MN 55459-0317 KEVIN L RUCH 604 ALLENVIEW DR MECHANICSBURG, PA 17055-6199 Account Number XXXX-)lJGCX-XXXX-6111 New Balance $5,960.55 Minimum Payment Due $5,960.55 Payment Due Date July 9, 2009 Amount F nclosed -_ E 000076059605505960559077770003059[1367871 TARGET. *00000* Account Number: XXXX-XXXX-XXXX-6111 Account Identification Number: 00030590067 Statement Closing Date: June 14, 2009 KEVIN L RUCH Page 2 of 2 Finance Charges Days in Billing Period: 31 Corresponding Average Periodic Transaction Daily Annual Daily FINANCE FINANCE Balance Type Periodic Rate Percentage Rate Balance CHARGE CHARGE Purchases 0.00000% 0.00% $0.00 $0.00 $0.00 Cash 0.00000% 0.00% $0.00 $0.00 $0.00 Total FINANCE CHARGES: $0.00 Actual ANNUAL PERCENTAGE RATE: 0.00% There is a minimum FINANCE CHARGE of $1.00 for any billing period in which a Finance Charge is imposed 30590067 In Court -Judicial (Circuit/District) Original Creditor Name: TARGET NATIONAL BANK Debtor Name: RUCH, KEVIN L Co-Debtor Name: NAN Number: N00000030069210 Account Number: ************6111 AFFIDAVIT OF ACCOUNT STATE OF MINNESOTA COUNTY OF HENNEPIN ss: The undersigned, KEVIN MARKLING states that: I am a representative of TARGET NATIONAL BANK and am authorized to Verify current balances due and owing to TARGET NATIONAL BANK on credit card accounts. 2. As of the date of this affidavit I have reviewed the records of the above listed person and account, and that the amount due and owing to TARGET NATIONAL BANK on this account, over and above all known legal set offs is $5960.55. 3. That reasonable inquiry has been made to determine if the defendant is in the military service of the United States of America, and to the best of my knowledge that defendant is not in such military service and is therefore not entitled to the rights and privileges provided under the Soldiers and Sailors Civil Relief Act of 1940, as amended. That the above information is true to the best of my knowledge, information and belief, and based upon the books and business IF ET NATIONAL BANK. :yn 3rd day of June, 20 My commission expires: JANICE L. LOKEN * * * *** * ** ** *6111 NOTARY PUBLIC-MINNESOTA A144 PATENAUDE & FELIX, A.P.C My Commission Expires Jan. 31, 2013 Authorized otary Public Agent of TARGl / NATIONAL BANK Subscribed and sworn to before The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he is, KEVIN MARKLING, Assistant Secretary, of TARGET NATIONAL BANK, Plaintiff Herein, that he is duly authorized to make this Declaration, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of his knowledge, information and belief. Authorized Agent of TArJOET NATIONAL BANK ************6111 A144 PATENAUDE & FELIX, A.P.C 2 0 jt: T, 2099 NilOV -6 PH I : 41 uy '79. So PQ Ar7q m** 4aTof 233 J ?7 SHERIFF'S OFFICE OF CUMBERLAND COUNTY R Thomas Kline Sheriff Ronny R Anderson Chief Deputy Jody S Smith Civil Process Sergeant Edward L Schorpp Solicitor ;.'q <O%tl of a n, tip f ??6 F'I 20, 61 y t'9 € 3 fe,? Target National Bank vs. Kevin L. Ruch Case Number 2009-7679 SHERIFF'S RETURN OF SERVICE 11/09/2009 07:45 PM - Mark Conklin, Deputy Sheriff, who being duly sworn according to law, states that on November 9, 2009 at 1945 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Kevin L. Ruch, by making known unto himself personally, at 604 Allenview Drive Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $37.00 SO ANSWERS, ,????? -/?? November 10, 2009 R THOMAS KLINE, SHERIFF BI' Deputy Sheriff - Cou".tySjto Sherft. T@'OGS;ft. rc.