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HomeMy WebLinkAbout01-7069VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.C. 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS. PATRICIA A MARLEY CASS Defendant NOTICE NO. Ol- 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 other claims 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800) 990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ACT# :4428472276204671 CDMBE~ COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS PATRICIA A MARLEY CASS 15C CREEKSIDE LN CARLISLE, PA 17013-7833 DEFENDANT NO. CIVIL ACTION 1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking association organized and existing under and by virtue of the laws of the United States of America. Plaintiff solicits and maintains consumer credit accounts in Pennsylvania and is the owner of this account, which is the subject matter of this action. 2. The Defendant, PATRICIA A MARLEY CASS, has a mailing address at 15C CREEKSIDE LN, CARLISLE, PA 17013-7833, 3. The Defendant is indebted to Plaintiff on the credit account by virtue of charges or cash advances incurred by the Defendant or authorized by the Defendant on a credit card or line of credit owned by the Plaintiff bearing account number 4428472276204671. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4. The Defendant requested an account, account number 4428472276204671, which is owned by the Plaintiff, and an Account Agreement was sent to the Defendant. A copy of the Agreement is attached hereto as Exhibit "A" and made a part hereof. 5. The Defendant has failed to pay the amount owed in accordance with the Account Agreement.and has failed to pay the outstanding debt as agreed. 6. The Defendant is indebted to the Plaintiff in the amount of $5,994.51 as of 11/30/2001, plus pre-judgment contractual interest at the rate of 17.15% per annum, less payments made. 7. In accordance with the documentation attached as Exhibit "A," Plaintiff is entitled to reasonable attorney's fees, and Plaintiff will incur attorney's fees in the amount of $1,019.00. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $5,994.51, plus pre-judgment interest at the contractual rate of 17.15% per annum from 11/30/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $1,019.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT I- ALTERNATIVE 8. Plaintiff hereby incorporates paragraphs 1 through 7 above as though set forth in full. 9. The Defendant received a monetary benefit, which was in fact appreciated by the Defendant. 10. The Defendant accepted the benefits. 11. By virtue of the circumstances surrounding the request for funds made, the Defendant knowingly requested the funds at issue THIS iS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. and/or knowingly and voluntarily accepted the benefits bestowed. 12. It would be inequitable for this Court to allow the Defendant to retain the benefits of the funds or to be unjustly enriched at the expense of the Plaintiff or allow the Defendant to retain the .value of the funds at issue without repaying the Plaintiff the value of same. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $5,994.51, plus pre-judgment interest at the contractual rate of 17.15% per annum from 11/30/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $1,019.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. BY: / ~~-"/--- - VAL~IE ROSENBLUTM PARK, ESQUIRE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE THIS IS AN ATTFA~PT TO COLLECT A DEBT. ~ I~-FORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VERIFICATION I, . ...... ?~'~ ~W~ , declare that: I am a Designated Agent of PROVIDIAN NATIONAL BANK, the Plaintiff in this action, and I am duly authorized to make this verification on its behalf. I have read the foregoing complaint and know the contents thereof; that the same is true of my own knowledge, except as to those matters stated on information and belief and, as to those matters, I believe them to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are true and correct. Executed at Jefferson County, in the State of Kentucky. Date PKOVIDIAN Pmvidian National Bank VISA® or MasterCard~ Account Agreement for Pathcia A Marley Cass Apdl 11, 2001 ~Please [e-~ew ~is .d°cu--ment and k .ee~-- it ~ -tJ3 y°ur .°.,ther im~rtant .pa~rs' This Apc°un, t Agree,rnent ,cgntains the terms which .qovem our Pmvidian N.a. tion,a. I ~,ank VI~A or, Mas[enJard Account [the, Accoun. t ). The Accoun[ allows, you. lo ~aKe pu, mn,a,.ss,s. Dy using yo.ur VISA or'Mast r~ard card the Card ) ,wner, ever it is ,honored and, to get casn aavan~s, i'ro ,m us or any other participating.!~nan, c~a~ institution a.nd frg~ Au.tomated Teller~achines ~tolnvenience cnecKs,may a!.so be p. roviea9 tg, y. ou' .as an additional way [o use the Account n mis Aareement 'you- uno ",,~,- ........ . .... ,^. :..,;A_ ope react cam Account. we our ours and us mean Prowdian National 8 ' ' ma . ar~ or ~ts. assignees, as I~t. ed on your billing statement. The Account y ...be used onl for ~rsonal, famfl h. ousehol~, and chentable u sas and not for an b · constitute accap~ance of the terms of Y~,s Agreement You and ?e ~grl~Ore~ ~s follows: y uslness or commemlal puq3ose. Any use of this Account shall PaYments. You will receive a monthly statement showin¢l your outstanding balance. Payn)ent on this Account is..required in U.S. dollars (checks must be pa.~able at a U S office of the bank the ch~k.is drawn on~.fbr,at least th.e ~yme. nt d, ue as shown on yqur state,ment by the. payment due date n accordance Wire pa. yment instructions on your monthly smmment. The beCK Ot your statements snows the ru~es we Tollow wnen we .po. st payments, Convenience checks aa~i~.rTchhe~ka~l~ee~sd~[ ~'~3e.r~a%y on~heben~l~ar~[k~hoPa~ym~onnts on ~o.ur Acc.oun, t or. to make pa .ymenta on. a, ny other a .ccoun! you hav, e with us or our , · r~ ~,.,, . . . w~ on your s[a[eme..n[ .plus me amount ot any past oue pa ent, ana may Jnclu tho amount by wh!,ch the new.~lance.,,e,xc ..efids your c .rf~li.t line. How, ever, th.e p,~yment, due wi. Il.not bg, I,ess than. $15 (..unless y.o. ur ne~Yr~lance s ess tha.Jnd~15, in which case me .p men[ ..qua ~1~ De me amou.n[ o~ me new balance .?your Account ~s past oue or.a~veme credit line, we may require a higher mimmum pa ,y[T)ep, .t, ~.~ we will noti.fy you ,bg.,fore doing so., If your pa ,y~n. ,e~{ Is too.re than the payment, du,e~ ~t ,w, lll ~.,~_.ted a,s a, sin le, yment and none of t w be app~iea 1o mtura payments oue. we may acc, ,apt. am or pa.nial payments, or payments marKea paio in m, or marKea wi~ o~r restrictions, without losing our right to collect all amounts owing under this Agreement. ~_n_e..r_u_.mn_a_ss Halance, wn.mn ~n,as[s,ot your e, xisfing Pu, m,hass Balance a0d new.ourcfias~s'yqu make wit~ your ~-~'~'e~' ~)~l~v~s~ ~ ~mtO~o~U~S!~o?,~a,.so~a~n?e__~_ai.a._n~?__-__wh~ic_~ consis!s. ,of bala.n .ces .that. yq,u transfer to, your Acfio,unt using balance tran~f~Fdffe~'~h-d ~{/-r~[ ~t~',~'~i~t'~ ~'~'e~(~:~ t~u~n~a~3~nc-e: -wn'cn.'c°ns"sts ot.,,a, o,.mer.,ca,sn aov.a, nc,e.s, uno cash ar:tvanca ~nsaction fees. Any a o ~eas men oue wi, ommanl ap ~lee n t to the Ba anco with the lowest Annual [5'~entace Rate (API~', until t~t Balance is zero, and thenq~(~ the~alenca with the next lowest ~P~, un~ that ~Sa[lanca is zero and then to any rema n n Balance."We reserve the right to apply payments i~fferentiy without further notice, g T~ha ,Purchase, .Cu,sto, m.C. ash Adv~anc,e, an~C,ash Advan.c.e. Bal,a.nces a,re r~uc.ed by payments as of the. ~te, r~, .eived, a..nd b.y credits as of the date posted ~,u,?_a.ss.s.._a~ Ln,c_~u.~_a~a.~n,},o.ur r~urc.n..asg, .~a~a.,nca,as 9t m9 ~re m.a~., ~Jus[om cas.n.,aava, n.ces, are ~q,c~u ,aec,in your ~Justom Cash Advance Balance as ~~s.e'~rn~as~ a~n~t[~mt~n~u~r~v~rsu~[~°~ma~n~s~r~?~c~`~`~a~`s~r~[n'`e-~a~-?--m- ns_m)~; cn. ec~s !p trajnsfer. ~laq,c.e.s~ as of ~.e dat,e Automated Tellers, as of the date made' cash advanc~ ~=.,=~'~' ~.~'%0.,.=~72',~-= ~.~. !U,'LU_,w~._~_.a..~a~nces ~ro,m. o, tne,r ~n,anc~aHnsu[..u~qn.s and [n,rougn request as of seven da-s -"A-'~-- -~-'- .--'.- --' ....... ~.~,,?, ..?us .F~y.au,= ~u ¥.u.u u¥-,.[ ~ ~ue~un..aa as ca.s..nler's .ChecKS ana mallea 1o you at your ~-~ , y ¢=,~=~u~uua[uw ~.jmu~u~ecnecK allo[nercnecKs, aso [neaare ressnted [o us Otnerdebis ' ' Custom Cash Adv P · t are Included ~n your Pumhase, anco or Cash Advanca~alanca as of the ~te sted. Finance Advance Ba po ., ~na es are. added to your purchase, Custom Cash Advance, and Casl~ advances, lances each day and are then posted on the last da~ of the billing cycle, rg~here ~s no grace penod for custom cash advencas or other cash To figure the dui vflnanca char~le for each ~ of Balanca~ we start withvour.previous day's Balance, add all dsbits and subtract all credits for the currant daY and multiply fire net amoun[ by the aDol~.,able daily Den0dic rate {'see rollowin ra hs The finan , to ' ' . g pa ..r0p ). . ce cha e for each type of Balance is then added and ~nclu..d~d. n that day sBalance. Wb treat a credit balance for an as zero g~e d~term ne th deb add~n t ether ti'ie fi Y '" ., et°tal~rnga~ncecharges°nbalancasf°rthebfll~n ~__D.,V_._ g ~ .. nancecha, rges..fore.a,c,,,htypep, fB. alan.,ce;[or~I;,daywithlnthebfllmc3cvce Incalculatinafinancac rna_. ~j;,[.=-~,?.r_a.,,n..y_~a__.n_~c_ao.n.o.r paym,em .mat woq!a nav.,e, ,un.md m,e ,nna.n. ca,c.narge calculation, i.n'a ~dor bna cycle ifad t been~x3rgss{'~ ~.~a~.~n~,,y p~o~c rare Tor sucn a mansscaon wiu De me rate ~n enact Tor [ne current bflhng cycle rather fhan the rate in ~ff~t on ~'(~{'~-~)f 't~ (~ur .st,3.,tem, e.,,n,t inclu(~e, s aq .a, verag.e ~ily .bal. an ,ce. f ,or eap, .h .type of B, ,a, lanca., ,Y.,ou cap.m,u!tip, ly ~ch a. ve, e daily bala.nc,e,~at is not zero by the number of ys ~n [ne o,~ng .cyc e an(3 me penoaic rate [o ootam SUbtotals, ana [nan ao(3 [ne suoto[as roue[nar to ~ra~e~rmine your to[a nnance chames on balances for the billing cycle. If a cash advance transection fee is charged, ~at amount is also a finance cl~arge. ~Theler~ ~o~n~he. R/~'inacSr~~ ionr ~a~r~e?nen~em,~nn_,s,.,ti?~_hi_gh~_t _p_rim~e_._r_m!e= ,p~!!sh~ in, the ,W, all~S~e,t Journal o,n.~e first ,busin ,ess day of the previous ,~=r=ase ......... or ~reass' ~'ln me ...... amoum o~ your minimum paymem."u=~ r-u.~u~u r~.atu Will lake ellec[ on [ne llrst eay ot your DIIIIng cycle uno may result in a slight oYaO~_~n__armnge, to ha~..e a vad.a.ble r~te for. ~rchase~, wh.j,c.h i.~.Lo...w.er tha.n. ,trio Iow, e.s.t non-in .tro~luc, ton/.A. NNUA. L PERCENTAGE RATE {AP yo, u are sP~a~l~r~ ~ nY~a ~(~r~l~l. nrta1 ~n~lcr~o~ll,~.,~.ounv~.,. I..~.s. ~[~ }~.a,v_a,!l_a~_~_~!y_ IT,.y_o~,~rowea, p .ro~.r, I.n the torm .of a c. opy of you. r ,m .ca't ,~mcR)en,,t billing = . -. ,..,,~ ,x. *uuH=w~w-~wm~,UUllUUtl.lltrleDIIIIn cycleTOllOWln ourrewewoTyour .l:.~'ool',Dutnoteanierthan our r APR tak ., effect o r,f we do not =e,ve.roof ¥your ,ower our APR for.purcheses..ll be as follows fuY/~L ~c~e~{l~'R~ ~/~oWr purchases is 17:~5 ~, correspond ng toe daiy periodic rate of 0.0Y4~99%. ' : pYa°~ipC~na~aen~ioetat~bha~aVr~V~uab~l~veAPt~aR nfOs~eCn~lOfmmmCaSoth~ra~n~t~r~t imsf~V~n~?.no~,,e_w_e_i.ghted .a_v?age .of, ~e non-i.n.troductory .APR you have .b~e .n, .... -- .................. , ............ ~a.men[accounts prov]aea our omar accounts were n in a2~il~blen oC~IvCt~onugl~i~i~ePoRro~W~. ~n I{h~l~oer~tO~fa~c~t~t~l.e.~,A,.PRs_.~n_.~_.c~t a _c~._o.u_nt b_a!anc,es you have t,,mns~rre~. ,fro ,mo. ther .le..n..dars.. ~sr A~°is will be v ' ~';~ ~' ' '~ ,.w,,,=o v~ ~w. !,.~=~ ,~.=m u,,r~ ~la[emen[,s, snowing your o[ner non-ln[roaucto Al-'~s. our new APR , ~ ,a.n~1~I I~a .s~d on .Pnme ',t~,~te an.(J' will .take_~.ffect ,n, the blh,ng cycle follo~.,,ng our r.evlew of your proof, but not earlier thar~r~Ae end o~'~/our courtesy aP~a°r~It isW~7.a~l ~.~o~.~n~gPto~)a!d~a~yr~'~d~cO~actues~)?l~l 0~ga%Ov. ances Will ea as tollows: The ANNUAL PERCENTAGE RATE for 'custom cash The ANNUAL PERCENTAGE RATE for cash advances is 17.15%, corresponding to a daily periodic rate of 0.04699%. If we race ve your Account payment late 2 or more times in any 6-rnonth period, on each such occurrence we may increase the APR for urchases up to a maximum of 23.90% ~corresponding to a daily .p.edodic rate of 0,06548%}, and increase the APR for cash advances and custom cas~ advances up to maximum of 23.90% ((~,o..n'.es~o.. nding to a dai)y periodic rate of 0 06548%) If after you receive the higher rates your payments are received on time and ou yom~L,rtA~unt~rt fotre~6s[f i~i~ ~l~ere~lenucttifoOnr. 3 consecutive monks, you m~y contact our Customer Service dsp~rtmen! and, at your request, we will re~Ye°wu Grace Period for Purchase Balance. New purchases pos. ted to your Account in billing cvcles with no Previous balance~ or when, the previou~balance was fully paid during the cycle, do not begin to incur a finance charge until the start of the next'billing cycle. 'You will pay no Trounce cnarge on sucn new EXH mT (Con#hUed on t, versa) (~4~-0~8) 44284722762046~1 0730 45~so~8 'P OVIDIAN Hampshire. I.a.w. This A. greem, e,,n.t is.a final e~re.ss[qq o.f the ag .mement .betw~n, you and,us and,,.may n. qt be, contradicted by,.e, vid, e. nce o.f any. alleg ,ed. q,ml .agreeme.n,[. ~]. any p.rq~s~on o]. tnls ^gr .ee. me.m ~s nela.to ~ ~n.,.v.a. lla or u. nen].qm, ea.D[e you. ant w..e w~ co.ns)~r mat provis[o.n .m, o9.,i].~~ [o con].otm t,o app CaD e. aw. ,a.n.(3 me res, tpf tne pmvisiqnsjn. [,no. A.g.r~ .men[ wil~, sti~,De onmmeaple, At any ti.me, a~[e,r we oe.t.e.~in.e in gooq ].aim, re, at any p. ropos, e.(3 or enacteo leg~s.~auon, reg,u~atory ac~on, or j.u(~cla ~c~sLo, n n,as re.n~re(3 or ma.y ran~r any ma.[ena~ prpv]s~on.,s o]. [.n~s Agree, ment inva~ig,or u ,ne.nfo,rc~aD!e, or i .m, pes. e any Incre.a..sen,[ax~.repg..rang r.,.equ!r, em. ent, or om,e,r, Dur~n, ln c,onnec[on ,.wi, m.a.n,y sucn...prowslo.n or ~.ts enTorcemen[, we, .m,ay, ,a. rter at ess.t ,~ ~ys notice to ypq qr w~mou.[ nou,ce? perml[[~ Dy ~,a.w c.anca,~ me ~;ar(]. a, no yqur .~,.r~t pnylleges, vve .may a'ansrer or a. ssign our d, gm t,.o sra[e ~aw requj~s mat you rece~ye not~ce ot SUCh an event to protect tne pumnaser or assignee, we may g~ve you sucn notiCa Dy ming a rinancing statement with the state's ~ecret~ry of State. . Note,es. Otho..r n,otices to.you shall .be e. ffep, rive w, he, n depo. s, ite.d j.n the mail add ,m, ssed.t,o you .at the ,ad,d,r, ess sh,.own on our r,e.cords~ un es,s a onger notice ped~ is specin~ in this Agreement or Dy ~aw, .wn. [cn .pphi~.s, nall..sta,A, upo,n mai~ing. NotJc.e to us sna~ De mai~ed to our adoress ror customer se~ce on your statement (or omer a(3(3resses we may speci~Yl an(3 sna De eTTective when we receive it, YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your dghts and our responsibilities under the Fair Credit Billing Act. Nbi~,tify.,Us in Case of Errors,, or. Q ,u~, tion.s, Abo~t.Yq~lr ~ill...l,f,.you..t. hin, k your bill is wrong qr.if, y.o.u. .n, ee, d more information a.b, qut a,.n.y ~rans, a, cfion, on your · w, me,,us on.~as, epar~e sneer, ar. rne a,~,clre, ss.i~.s~e,o/n m.e. pi~.{~ng K~gn[s ~'um,.mary on your ,~11~.. wnre ].9 u,s a,s soon ~ Ro~,ible. we.,mus[ near rrom you n.o./.are.r ].nan o,u..(~ays, armr we .sept you .mo. flrst.p~ on .w. mcn me error, o.r proo[em appeara~. ¥o,u,,can [e~epn.on..e, us, PUt ~in.g so win ~ot pr~.,se..rye your ngn, ts. ~n. your. letter, g~ve,us me .To~!.owlngJnto .rmaaon: - ¥.our name.ano A .cc.ount n..umDe.r. - jne,(3o~l.ar amount ot m.e suspe.c, [eg error - uescriDe tne error an(3 explain, ~t you can wny you De~eve mere is an error. If you nee3 more m].ormaaon, ~scnDe me item you are no[ sure about. [~ yo,u ha.,ve authodze.d us to. pay your. credit, card,bill e.uto .rnatical!y fm.m..vour,check, ing a.~ount, you..can .st~ .the, payment on any amount you think is wrong. o stop [ne payment, your ~e[[er must raacn us mree business ~ays Derore me automauc payment ~s scnecu~en ro occur. Your Ri~lhts and Our Reseonsibilit~as After We Re.f~.,eive Your Writien Notice,. W,e mus,t a,,ck~wleq~., e your letter within 30 days, unless .we have correcteS' ~e e ,rfp, r b.y then. 'With, in 90 days,.we must elm. er correct the error or explain wnywe ~i.ev...e the D. fll w,,as correct. After we receive your ~etter, we c.annot try to, colleot any ,amount you. ,question, or ,r~. r[ you as...~tinqu.ent. ,We ~n coptinue to Dill yop,. Tor ,me amo. un.t you question, n, cl'u.d, ng .finance cnarg.e,,s, ,a,,no .we,c, an ap~.F any.un .p.pp~(] a .m .o, ,u .n. t a. ga~ns[ y.our creqF ~lne. You (30 not nave to pay any quesl~one~ amount wnne we ara investigating out you are stol co~ga[e(3 to pay tne parts ot your DI~ mat are not ~n quesaon. If we find,that we made a mistake on your bill, you will not have to pay any finance charge related to any questioned amount. If we didn't make a mistake, y.ou. may .nay.e. to pay fin,ance charge, .and ypu..wil) .have. to ,ma. ke up ~p miss,ed paymen,ta on., th.e questioned amount n ether case, we wi send you sra[eme, nt o!. me .amount. yo,u. owe an(3 me. d~[e t.n.at, i[ is (3u.e.;, ~f yDu,rail [.o ..qay me.,ampunt w..e,,mi.nE you owe, we may.r.sl~,, rt you as delinqu.ent. H. o .w, ev. er, if our e,.xp~anatlo,n.~De.-s, n.ot satisfy y.ou,,an(3 y,ou write to.us w~mln '~u ~ays ,tell. lng u.s re,at you st!~l.r.e, fuse [o pay, we must [e!~ a,nyo, n.,e we .,mpo,rt yo,u to mat.you, bqu.eStlOn your,Dill, .,A..no,,.w.e m.u. st[el! y.o,.u.m...e na,.me or a, nyone we .r,.~__~eo. y, ou ~o.. ~v.e. mu.st tell anyone ,we repq, rt you f,o. mat .m,e. matzer nas, peen se'cue(] etween us wi3en it Tlnally is. i,f we (3on t tOllOW these rules, we can t COllect me ]'lre[ Sou ot me quesuone3 amount, even if your Dill was correct. ?e.i,a. IR.u. le for ,C.~..,it, Card Pu.~,,hase~.. If yo .u,,ha,,ve a pro.blem, with the qua!i.ty of ~e prol~., rty or s .eryi. 'ces that you, pumh.a, sed wit.h our'credit card..and you m~, m goo(] !.am to, ,co .r.r~.. ttne pro~..em w m tn.e ..memnan. t, you may n,ot nave to pay t.n.e re, ma ,n ng am~nt oue on me ~ooes or sen/ices |nera am . imi[at, ions on mi.s.,ri.g,n.t: ~al you must nave ,re,ape tn, e p~mnase..in yo.u..r no_m,e sta,t,~, .or. ]. not ,wire .n you. r n..ome state, with n ,100., miles o,f yo.ur cu.n'ent ma! lng a~3,r, ess; .ano..{D)me,p. um,nase pnce, must na. ve peen more tnan Sou, inese ~imitations ~o not apply if we own or operate me merchant, or iT we ma e(] you me aevemsement mr me property or se~cas. T50'28 SHERIFF'S RETURN - REGULAR CASE NO: 2001-07069 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS CASS PATRICIA A MARLEY JASON VIORAL Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to says, the within COMPLAINT & NOTICE was served upon CASS PATRICIA A MARLEY the law, DEFENDANT , at 2115:00 HOURS, on the 20th day of December 2001 at 15C CREEKSIDE LN CARLISLE, PA 17013-7833 PATRICIA CASS by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 3.25 Affidavit .00 Surcharge 10.00 .00 31.25 Sworn and Subscribed to before me this ~>~ day of ~A ~.~ ~0~2~ A.D. ! Prothonotary i So Answers: R. Thomas Kline 12/26/2001 PARK LAW ASSOC. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AIqD CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 15C CREEKSIDE LN CARLISLE, PA 17013-7833 4428472276204671 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS PATRICIA A MARLEY CASS Defendant NO.01-7069 CIVIL TERM PRAECIP.~ FOR JUDGMENT TO THE PROTHONOTARY: Please enter Judgment in favor of the Plaintiff and against the said Defendant for failure to plead or otherwise respond to the Complaint and assess the damages as follows: AMOUNT OF CLAIM ATTORNEY FEES PLUS ACCRUED INTEREST LESS PRINCIPAL PAID LESS OTHER PAYMENTS $5,994.51 $1,019.00 $152.10 ($0.00) ($0.00) TOTAL $7,165.61 PLUS ADDITIONAL COSTS I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT A/qD IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to the attorney of record, if any, after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe. A true and correct copy of the notice pursuant to Pennsylvania Rule of Civil Procedure No. 237.1 is attached hereto and marked Exhibit "A". /~-''' VALERI~RO~8~I.~H~PARK, ESQUIRE Attorney for the Plaintiff AND NOW, _~j~v ~,_~ , Judge,Lent is entered in favor of the Plaintiff and ~the Defendant by Default for want of an Answer and damages assessed in the sum set forth in the above certification. ~OT~HONOTARY PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 15C CREEKSIDE LN CARLISLE, PA 17013-7833 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Pla'mtiff VS PATRICIA A MARLEY CASS Defendant NO. 01-7069 CML TERM NOTICE OF PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: PATRICIA A MARLEY CASS 15C CREEKSIDE LN CARLISLE, PA 17013-7833 DATE OF NOTICE: 1/11/02 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE E~D AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR CUMBERLAND COUNTY COURTHOUSE, 4th FLOOR CARLISLE, PA 17013 (717) 240-6200 PARK LAW;~ VALERIE ROSENBLUTH PARK, ESQ. CCi THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. EXHImT VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 15C CREEKSIDE LN CARLISLE, PA 17013-7833 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS PATRICIA A MARLEY CASS Defendant NO. 01-7069 CIVIL TERM VERIFICATION OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA: COUNTY OF BUCKS : VALERIE ROSENBLUTH PARK, Esquire, being duly sworn according to law, deposes and says that she will make this affidavit on behalf of the within Plaintiff, being authorized to do so, and that she believes and therefore avers, that PATRICIA A MARLEY CASS, Defendant is over 21 years of age; that his/her place of residence/business is located at 15c CREEKSIDE LN CARLISLE, PA 17013-7833 and that he/she is employed and that he/she is not in the Military or Naval Service of the United States or its Allies or otherwise within the provisions of the Soldiers and Sailors Civil Relief Act of Congress of 19~0 and its amendments. PARK LA~ ASS/~TES, P.C. Valerie Rose~ Park Attorney for Plaintiff El0 VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW ASSOCIATES, P.C. 25 EAST STATE STREET DOYLESTOWN, PA 18901 (215) 348-5200 ATTOP~NEY FOR PLAINTIFF I HEREBY CERTIFY THAT THE TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 15C CREEKSIDE LN CARLISLE, PA 17013-7833 CUMBERLAND COU~ PROVIDIAN NATIONAL BANK Plaintiff VS PATRICIA A MARLEY CASS Defendant TY COURT OF COMMON PLEAS NO. 01-7069 CIVIL TERM NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that.a Judgment has been entered against you in the above proceeding as indicated below: [X] Judgment by Default [ ] Money Judgment [ ] Judgment in Replevin [ ] Judgment"in Possession [ ] Judgment on AwardOf Arbitration [ ] Judgment on Verdict [ ] Judgment on Court 'Findings [ ] Judgment on District Justice Transcripts [ ] Judgment on Judgment Note [ ] Judgment on Writ of Revival [ ] Praecipe to Reassess Damages IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL: Park Law Associates, P.C. at this telephone number: (215) 348-5200. PRO~HONOTARY'~ PURSUANT TO THE FAIR DEBT COLLEC--~TON P~CTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.