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HomeMy WebLinkAbout10-3583Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire ID. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff US BANK NATIONAL ASSOCIATION ND 9321 Olive Boulevard St. Louis, MO 63132 Plaintiff V. STEPHEN H RITTER 7 Stratford Lane, Mechanicsburg PA 17050-7341 Defendant RLEXI ROE T IF TWE PP i 1-ICNCTAW 2010 JUN - I PM 3: 01 CUM L '-,ri) GOMN PRdIv OMA IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 10 - .3583 0'-%y l Term CIVIL ACTION - LAW Complaint - Notice 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 (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claim 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. 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. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, PA 17013 Telephone No. 717-249-3166 or 800-990-9108 138565 O a .00 PO ATN ?1 75 fag Q? aya 93/ Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire ID. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff US BANK NATIONAL ASSOCIATION ND 9321 Olive Boulevard St. Louis, MO 63132 Plaintiff V. STEPHEN H RITTER 7 Stratford Lane Mechanicsburg PA 17050-7341 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA : NO. Defendant : CIVIL ACTION - LAW Complaint 1. Plaintiff is US BANK NATIONAL ASSOCIATION ND, with place of business located at 9321 Olive Boulevard, St. Louis, Missouri. 2. Defendant is Stephen H Ritter, who resides at 7 Stratford Lane, Mechanicsburg, Cumberland County, Pennsylvania. 3. Plaintiff is a national banking association, engaged in various types of banking business including consumer lending through the issuance of credit cards. 4. Plaintiff furnished consumer credit to the defendant by means of a(n) Korean Air credit card with account number ending in 4513 hereinafter referred to as the credit card account. 5. Plaintiff kept accurate running records of all debits and credits to the account. 6. Plaintiff mailed to defendant monthly statements for the account including the billing statement attached hereto as Exhibit A. The monthly statements accurately stated the previous balance, the debits and credits to the account for the prior billing period. 7. Before plaintiff mailed Exhibit A, defendant had for many months made payments on account of the billing statement or retained the statement without payment. 8. Defendant's actions as set forth above constituted an account stated between parties for the sum of $9,330.04 which sum reflects the Exhibit A statement balance less credits, if any, which were applied subsequent to the date of Exhibit A. Wherefore, plaintiff demands judgment against defendant for the sum of $9,330.04, and the costs of this action. Burton Xeil & 4s_,%6g1'ates, P.C. D. Weinstein, Esquire nev for Plaintiff The law firm of Burton Neil & Associates, P.C. is a debt collector. bank. "PUM AIR Description of Miles Activity Standard Purchase Miles ...................... ............................................................. 0 Total Miles Activity .......................... 0 50 Call Korean Air Customer Service at 1-800-438-5000 for inquiries on your SKYPASS mileage account. n ! 9111 61.7 b lipiu'.+:uc.. nn.. r-r:_. _.:. .mn .n_.'k.`?6'F]?.'T?vnF?.1!kJlh'1C?i'h?iUin n:rzE. NINE. Activity Summary Credit and Payment Information Previous Balance ................................. $9,088.89. Credit Line ................................................... $8,000.00 Payments and Credits ......................... $0.00 Available Credit ........................................... None Purchases, Advances 8 Other Debits $39.00 Minimum Payment Due Current Month)... ( $333.00 FINANCE CHARGES ......................... l $202.15 Minimum Payment Due Past Due) ........... $1,720.00 New Ba ance ....................................... $9,330.04 Total New Minimum Payment Due.......... $2,053.00 Payment Due Date .................................... Dec-20,2009 To reduce or avoid paying additional finance charges on your purchase balance, pay the total new balance of $9,330.04 by 12/20/09 Any cash balance or balance transfer balance will continue to accrue daily interest until the date your payment is received. Purchases, 11/23 LATE FEE - PAYMENT DUE ON 11122 ............................. 39.00 Advances, Debits Finance Charges 11123 *'FINANCE CHARGE'IN r EREST ................................. 202.15 BALANCE TRANSFER $0.00 $0.00 0.079424% VARIABLE $0.00 28.99% 0.00% N PURCHASES $9,330.04 $9,090.28 0.079424% VARIABLE $202.15 28.99% 28.99% Y ADVANCES $0.00 $0.00 0.079424% VARIABLE $0.00 28.99% 0.00% N Continued on Next Page Please detach and send coupon with check payable to: U. S. Bank embank. To change your address or for Cardmember Servlc:e please call: 1-866-286-VISA Every Hourl Every Dayl 000011236 1 MB 0.379 106481403586019P 0347192785650545130002053000009330045 STEPHEN H RITTER 7 STRATFORD LN MECHANICSBURG PA 17050-7341 Illrlhrl?lld,li??lllrlinllllnrll6?Ilhlhlll??llllhlhPl U.S. Bank P.O. Box 790408 St. Louis, MO 63179-0408 ?IP?IPPhIIIIPInlfl?rllrllhlhllllmri?'?IhIIiI?I??IP? EXHIBIT In case of Errors or Questions About Your Bill If you think that your bill is wrong or if you need more Information about a transaction on your bill, please verify the following as soon as possible: ? if other members of your household may have participated in the transaction. ? Review your receipts for this dollar amount as it may have posted to your statement with a different merchant name. ? That you have contacted the merchant in an attempt to resolve the issue. If you wish to dispute the transaction please phone Cardmember Service at the telephone number on the front of this statement and have the following information available: ? The date and dollar amount of the transaction you are questioning. ? An explanation of why you believe there Is an error or why you need additional Information along with any documentation you may have to support your claim. ? The date you contacted the merchant to attempt to resolve this issue and merchants response. Many inquiries can be corrected over the phone, but phoning alone does not preserve your rights. In order to preservyour rights, lye must receive your written communication no later than 60 days after we sent you the first bill on which the error or problem appeared. Please send a letter with your name, account number and the above information to: Cardmember Service, P.O. Box 6335, Fargo, ND 58125-6335. You do not have to pay any amount irk question while we are investigating, but you still remain obligated to pay the parts of your bill that are not in question. While we investigate your dispute, we cannot report you as delinquent or take any action to collect the amount In question. Special Rules for Credit Card Purchases: K If you have a problem with the quality of property or services that you purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the property or services. You have this protection only when the purchase price is more than $50 and the purchase was made in your home state or within 100 miles of your current mailing address. The conditions do not apply 'rf we own the merchant or if we mailed you the advertisement for the property or services. Special rules for credit card purchaseg do not apply to purchases made with convenience checks or balance transfer checks. Important Information Regarding Your Account 1. Amounts subject to interest: We calculate the periodic rate or "interest" portion of the FINANCE CHARGE by multiplying the applicable daily periodic rate by the Average Daily Balance (including new transactions) of the Purchase, Advance and Balance Transfer categories ("Amounts Subject to Interest'7, and then multiplying that result by the number of days in the billing cycle. To get the Average Daily Balance in each category, we take the beginning balance of those account categories each day (including any billed but unpaid Interest, fees, credit insurance charges, and other charges), add any new transactions, interest, fees and charges, and subtract any payments or credits applied against account balances that day. (Purchase, Advance and Balance Transfer transactions are added to account balances on the later of their transaction date or the first day of the statement period. Billed and unpaid account charges and transaction fees for these categories are added to account balances on the date they are charged to the account. Billed and unpaid interest for these categories is added to account balances each month on the statement closing date.) This gives us the daily balances of the Purchase, Advance and Balance Transfer categories. Then, we add up all the daily balances for these categories for the billing cycle and divide the result by the number of days in the billing cycle. This gives us the Average Dairy Balance (and the Amounts Subject to Interest) of the Purchase, Advance and Balance Transfer categories. 2. Payment Information: Make checks payable to U.S. Bank National Association ND. Use the enclosed return envelope to mail your payment to: U.S. Bank National Association NB, P.O. Box 790408, St. Louis, MO 63179-0408. All payments by check or money order and accompanied by the payment coupon will be credited to your account on the day of receipt if received at this address by 1:00 p.m. CST on any banking day. Banking days are all calendar days except Saturday, Sunday and federal holidays. Other payments will be credited to your account within five banking days of receipt by U.S. Bank. 3. We may report Information on your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. embank. K RMN AIR November Statement for activity from Oct. 27, 2009 through Nov. 23, 2009 Inquiries: 1-866-286-VISA STEPHEN H RITTER Page 2 of 2 HIM lumim _• ,, s .G dLGFs1u& m. y ..r. ' ' ^ E '4`yJ:Y?` .:' .__' 3 r W4 n.yesnd?'._ I .N •A'., ._ __. ___? _,w'. n+.avaft y..i°,r"'Ni ?? _ ....__. .. .»... ? 1: #"`* THERE IS A BETTER WAY TO FIX THIS PROBLEM •"* Your account is scheduled to be charged-off as a bad debt and we will be forced to report it to the national credit bureaus, which can stay on your credit report for as long as 7 years. We really don't want that to happen. PLEASE CALL US IMMEDIATELY to discuss your options at 1-866-951-3862 or VISIT US ONLINE at WWW.USBANK.COM. Each time you or a third party on your behalf, pays your bill by personal check, you authorize us to convert that payment into an electronic debit. If the check is processed electronically, the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions, please contact us at the Inquiries phone number located on this statement. _ _ 2. ill.:.v__'._?_._ 1 :4-cr..... N ®R By Telephone: ® Send Inquiries to: ® Send Payments to: A17R By E-Mail: ` Every Hourl Every Dayl Cardmember Service U.S. Bank visit our website: Voice: 1-866-28641SA P.O, Box 6352 P.O. Box 790408 skypassvisa.com TDD: 1-888-352-6455 Fargo, ND 58125-6352 St. Louis, MO 63179-0408 Fax: 1-866-568-7729 G...J ..f ClnM w..n.•,! . Verification CYNTHIA DUDA is CGV (Name of authorized representative) (Ti o ositlon) for, US BAND NATIONAL ASSOCIATION ND, the within Plaintiff in this action, and that the statements of fact made in the foregoing Complaint are true and correct to the best of the undersigned verifier's knowledge and belief. The undersigned understands that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Date: Name 138565 Stephen H Ritter Account number ending in 4513 1326 T Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire ID. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff US BANK NATIONAL ASSOCIATION ND Plaintiff v. STEPHEN H BITTER 211 Daisy Road, Mechanicsburg PA 17050 Defendant Praecipe to Reinstate To the Prothonotary: °E. ~iLEI~-~, ~~ ~4~;., 2D1Q .~_~~. -6 P~ ~~ i 3 Y.:.J w.. :: ..:. ~ n~ {i p IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 10-3583 CIVIL TERM CIVII. ACTION -LAW Please reinstate the Complaint. Burton Neil By: Yale D The law firm of Burton Neil & Associates is a debt collector. 138565 ~~ ~f~G, ~jp Gtl.Pi ~1~.2r ~ ~~ a~~c~~ P.C. Feinstein, Esquire for Plaintiff SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson r `rr -:~~-ti;~. Sheriff '~r 7'-'= r' ~~~ Y Jody S Smith ~: '° ZU i 0 ~' ` ~._ ~ 4 I" "f 4 ~ L Chief Deputy Richard W Stewart Solicitor +~€~~ cE ~~,~.~ ~~~~i~~ ~i.,rv!_ .~ : "~j~% r:~ _ '~_^' j_ ~:: US Bank National Association Case Number vs. Stephen H. Ritter 2010-3583 SHERIFF'S RETURN OF SERVICE 07/13/2010 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: Stephen H. Ritter, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Stephen H. Ritter. Request for service at 7 Stratford Lane, Mechanicsburg, PA 17050 is currently occupied by Robert Stephen Ritter who has no affiliation to the defendant, Stephen H. Ritter. The Mechanicsburg Postmaster has confirmed Stephen H. Ritter has moved from this address, but was unable to provide a good forwarding address. Request for service at 211 Daisy Road, Mechanicsburg, PA 17050 is an active over 55 community. Deputies were advised by a neighbor at 7 Stratford Lane, Mechanicsburg, PA 17050 Stephen H. Ritter is in his 40s. SHERIFF COST: $51.00 July 13, 2010 SO ANSWERS, ~~,^'r RON .R ANDERSON, SHERIFF (c CountySuite Sheriff. 7eleasoft. Irr,. I' ILE-D-O F IGE u'w t HE PROTHONOTAR',: 2012 JAN 19 AM 111 13 CUMBERLAND TY Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire ID. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2 t 20 Attorney for Plaintiff US BANK NATIONAL ASSOCIATION ND : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. : NO. 10-3583 CIVIL TERM STEPHEN H RITTER 5231 Simpson Ferry Road, Unit 250 Mechanicsburg PA 17050-3515 Defendant : CIVIL ACTION - LAW Praecipe to Reinstate To the Prothonotary: Please reinstate the Complaint. Neil & i 'Associates, P.C. r By: Yale D. Weinstein, Esquire Attorney for Plaintiff I The law firm of Burton Neil & Associates is a debt collec?or. 138565 0'VA *11.-?5P4 a? 01C p-3-334 Burton Neil & Associates, P.C. By: Yale D. Weinstein, Esquire ID. NO. 89678 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff US BANK NATIONAL ASSOCIATION ND : IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 10-3583 CIVIL TERM STEPHEN H RITTER Defendant : CIVIL ACTION - LAW Praecipe to Discontinue To the Prothonotary: Kindly discontinue the above-captioned action Burton N By: Y ti A The law firm of Burton Neil & Associates is a debt collector. sociates, P.C. Weinstein, Esquire for Plaintiff 138565 / 314