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Home My WebLink About01-0853VALERIE 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 ATTOR/gEY FOR PLAINTIFF CUMBERLA/gD COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS. BRYAN E GIPE Defendant 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 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. AIaTY INFORMATION OBTAI~D WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUTH PARK ATTORNEY I.D. # 72094 PARK LAW A~gSOCIATES, P. C. 25 F~kST STATE STREET, P.O. BOX 1779 DOYLESTOWN, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ACT#: 5497485001043928 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIANNATIONALBANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS BRYAN E GIPE 941 BOSLER AVE APT A LEMOYNE, PA 17043-1763 DEFENDAi~T CIVIL NO. O/- rS-3 ~CTION 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, BRYAN E GIPE, has a mailing address at 941 BOSLER AVE APT A, LEMOYNE, PA 17043-1763, 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 5497485001043928. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAIATED WILL BE USED FOR THAT PURPOSE. 4. The Defendant requested an account, account number 5497485001043928, 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 $4,055.69 as of 11/22/2000, plus pre-judgment contractual interest at the rate of 21.90% 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 $689.46. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,055.69, plus pre-judgment interest at the contractual rate of 21.90% per annum from 11/22/2000 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $689.46, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT I- ALTERNATIVE though set forth in full. 9. The Defendant received a monetary benefit, 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 T~IS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Plaintiff hereby incorporates paragraphs 1 through 7 above as which was in fact 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 $4,055.69, plus pre-judgment interest at the contractual rate of 21.90% per annum from 11/22/2000 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $689.46, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. BY:vALERI~UIRE 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 ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VERIFICATION I, SU~A~ ~0 ~!~t~ , declare that as of March 23, 2000: 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 complaint and know the contents thereof; that of my own knowledge, except as to those matters information and belief and, as to those matters, read the foregoing the same is true stated on I believe them true and correct. Executed at Alameda County, unsworn falsification to authorities. I declare under penalty of perjury that the foregoing are in the State of California. Designate/d Agent to be true. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to PROV! DIAN Financial XHIBIT Providian National Bank VISA® or MasterCard~ October 20, 2000 B~lease review this document and ke,e,p it with your other ircpp~ [tent papers. This A. ccoun, t Agree,men[ c,ontains the terms which t3overc y, our Previdien National nk V S,A, or, Maste.rCard.Accqunt [the,"Ac~oun, t") The Accouri.[ al owe. you..to r~aKe pLI, rcn,E.~,.,e,s. Dy u,~i~g yo,ur.V SA, o,r,-'M..aste~a.rd, card,,(the "~ard") ereveritisnon~m~andt~etcasnaavancesrromus~rany~merpa~cipatmgfinancIa~ins[i[uti~nan~tromAu[~mataa lesarMecnnes L;onvenlence checks,r cay also be p. rovided '[o you as an. ,additi.onalKay,to use Be ,?,c. pount.. In this Agree.m. ant, ~you" and "yquc rcean e,ach person for whom we have opened a credit card Account., "We," "our.' "our,s,- anq ,us mpen Frew(3an N~ion,aI, Ben~ or its assignees, as iistep on your Di[lirig statercent. The Account [cay I~ used only for perccnal, family, houeahoJo, eno cna, dtaD~epurposas, and not tar any business or comrcercial purl?ace. Any use of this Account shall const~tu.!e ,a,cce~,tance qf the terms O,f ,,this Agreement. if the ACCOUnt was opened as a joint account, we may act on the ~nstmctions of either joint acccurcnor(~er. You and we agree as tallows: Paym, ,eels. You w~l,. receive a, rconthly s`tate, rcen! showing.your outs.ta,,nding balarTc,e. Paym, ent on this Account is, ,mqu!,red in U,S,.~lla~ (checks rcu~st be p~.yaale at a U.S. orcce of the Dank th~cnecK is or .awfl....onl. rot at least rca payment quo as Shown on yo, ur state~nent Dy [ne pay[cent ~3ue Date n accordance ~tn, ~ymept in. sb'uctions on your monthly stateme,n.t, The, beck of yo,ur statemen, ts snows th.e ~uie, s we ~ollow. When we p~,ost paymeqts, C.onvenience checks a,n~ omar ct]acKs we ssue to [/,ou rc~y not be use~ to [caKe payments on your ACCOUnt or tO make ~a .y~en[s on any omar account you nave with us or our ~li,a~e~..The pays, e,nt due wil~ b~,: 2% of the, .n,e.w b,?. (anco shq.wn on your ,eta, terca`..nt pi,us the a,.mou~ ,d,~ ,any. past due paymq0t, and r~ay i~clud~,tbe amg,urtt Dy wn!.cn rca cawoa~ance excsaas your creel me. ~owev,er, tnep,,aymen[ouew~ll not De i@ss rcan,:i,l~ (,u, niessy,,oq,,r caw Detance ts less tcan:~1~, nwncn case m,a ,payrcent ~e ~ll be ~e, arcoF. 0t of th,e, new ba~ance.~.? your ,A, cco.u, nt is past qu,e or,~app, y,e [~e c,r~,'t line,we, [cay reqqire a, higher,n))ni~u, rc pay.~ent, out we w~ll Dea~ you De ore oD n~,~e~ ng y¢cc, lr our pay[cent is more roan roe pay~ment ~3ue~ tw~lin~ull.,[,[,[,[,[,[,[,[,~e a[aa as a s nwi~ eo~r yment and none or [ Will Da applred .t,o futu.,re payments ~l. ue. [cay. a~.c. ept.lata or partial payments, or peyrcen~s marked paid or rcarked restrictions, without losing our right [o collect ail amounts owing under mis Agraercent. If you have made special payrcent arrangements with either First Union or Pmvidian, you need to continue making the agreed upon payments. Fipan.¢,~ (~h ,argse,, Except, as da~, ~ .b~d,in the Gm, ce P..eriod fo,r .P.urqh. as.e Bal.ance .sacti,o.n of this Agr~ercent, ficance .charges. .begin to, a,.cc~ue qn .a de,it ,wn. e~[ isjnClUO~3 in one or y~ur Daily calances en~3 con a n,,ue unti~ m~at balance is, reaucen Dy a payment or, credit. Your Account nas the roilowing Da~encas: ice yuronase Balance, wi~ich ~nsls!s.of you[existing yu. rc,hase ua[anc,e,a~o new.pu,rccas,es you .maKe wi~ your. Card ,and, fees for ~-~rta~,n pptiona! sauces; one or [core Uustorc ~.a, sh Aqvanc, e ua~ences which consist~ OT Dala~es teat you transtar to your Account using Da[once transfer c[~cKs en~ balance.s that we trane[er tar,you., ar~o ~e ~Jasn Advance ualance,w, hlch.,consi,sts of,all 0thor,sa,eh adV,a.n~§ and q,ash.,a'.dvance transac~on ]'ees. Any, Eayment arcount we receive mat exsaeos me rmenc,a charges and tees men .qDe wi~ ordinarily ~_e apE~iaa nrst to the ua[anco with the lowest Annua~ ~e.menteg,e..Rate (APR.), u0ti) ~at Balance is zero, ,,~.no th.e,n lq.the ,B, ala, psa wi~ me next lowest APR, until that Balance is zero, and than to any remaining ualance, vve reserve me ngrc to apply payments aln'erenay w~mout tut[car nocce. ~,hume ,Purchase, Cu.sto. rc Cash Adv_enc.e, andre,ash Adven,ca`, Bala[~ses are re~uc,~ by pa, yrce, nts as of the ~te, r~eived, a~d b,y cr ~its. a.sgf the da~ta,posted. cases are nc uDe~ n your ~uronese uaense as or rca date made. ~usmm caen aavances are inc~uoe~3 n your (Justorc ~asn A~ance ua anco as follows; funds electronically transmitted to other lenders to transfer balancas, as of the date [mca[ti[ted; checks to trane/er balencas, as of the date pre. sent.ed,to.u.s., Other c,a`a,~ ep~, .ancec ,are inc!ude~, in your, Ca,sh Advance B,al,an.ce as fo),lo,ws; ~s,h ,a.,dva,nces fm,rp other` fin,ancialinstit.utio, n.s and threugh Au[orca[aa/ese[e, as OT the aate maee; DaSh aavance, cnecKs made p, ayeple m yqu rca[ are 1{3en[me~ as caen[ars checks anti rcai~ to yo.u at your ~r~qu. est. a_,s o.f s. eyen days a~fter,the .date we,,pdnt on the ~c.n. eck; ,all other c, ne..c, ks, as o! the date pre,s,antAd to us.~Oth, er deb[ts ,am in,,ciu~;~;J, in your Push, asa., Vustom b;~sn Aa'vance,or uasn ~ovanse ua anco as or the aate postee ~-!pence cnarg,.e.s are aDeen to your Kuronase. uustom L;ean Aovense. eno ~Jaen Advance ualansas each day and am then posted on the last da~,, of the bi)ting cycle, there is no grace period for custom cash advances or other cash advances. ,~oo figu,m the dp. Jlyfican.ce charg,e fo.[ each ~ of .B,a)ence, w,,e s~rt ,with ,v ,o. ur previous day's [~a[~nca`, add all,depits, end subtract all c."{~dits for the our`r~, nt y a.nd m, ult~piy.[n.e, ngt.~a~]..o~t,oy me .ap. pi[dab!e daily p.a,n .ooic rate (see t'qllowing parag~po.sJ, I np ~ln.encp cna.rge [or aa. ch type of B,alance ,s th.,en eno mcluoaa m mat aays ~alance. we ~at a cre~t ~]ance '~or any Day as zero. we eetermme me total fir~ance ccarges on balances rot me .cycle by add ng t,ngether, tt~e finance chames for e,e,p.c.h type ~f B.a ,aQse [of eecn ,day with ,n ~e,,b ing cyc e . D. ca cula, ti~ tip,a. ,nco chemes~ an a~us~ent.~iu De ~ mr any [ra~s,3ction or. payment that wou{~ nav,.e. ,en~rea rca ~lna,n, ce c,nar~e caculation.in a priqr Oilling cyc. le naa it Dean Pg.~ted in that c.y~e. ~ ne ,applisa.b)e daily pedoolc rate [or such a transaction will De rca rate in enact [or rca currant biding cycle ralher man the rate in effect on the Date of the transact'Jan, t~e¢~r .sta...te .n~..n,.t inclu ,des aq ,a, vere~ q~ily .ba[en .cp. fgr ea,c.h ~ of B.{[ience., ,Ypu cpe.mu!tip, ly e~,,ch ,ave,rage daily balapc.e ~at is not, zero by th,e n, urcber, of ~.g me o ~! ng gyc~e a,nQ toe penedic rate [o oD[arc s, uot~3ta, ls, en(:l then a(~ m.e suotota s mgemer m De[erin ne your total ~lnance charges on oaences rot ii,lng cycle. I~ a caen advance transaction fee is cna[ged, mat amount is a~cc a finance coarge. The te,rm "Pri.m.e I:~. to" as used in ~e Agreeme.nt m .eerie t.he,,higha.st prim~e.rate pu.b!ishe~,, in the .W, all~S~e,t Jou, mal Dp ~e first ,busin ,ess day of the previous, caen~ar rcop[n Any n.c. rease or ,(:m~,,rease n rca Anoua~ ~ercenmge ~ate wit~ take e~ect on me nrst coy or your D ng cyc e eno [cay result n a si ght increase or Decrease in me arcoum or your mini[cure payment, ~ ehe, AN .N. UAL, P, E,,~CEN, T, AG.E, R/~,TE ( .APRJ forj:LJ~L'of'~asas may vary ~d wi~ ~. adju, s~t,,~ .e.a,c.h billing c~l~e,,te_.,13.4% above P. dm,a Rate,..b, ut wil in. no even[ ~,0~4%,e s [t/an >"Lo~. using a31s rormula. ~e AI'~K ['or purccases m rca UCtODer ZUUU DIIIIng cycle IS ZZ,.~%, corresponding to a Daily perio(/ic rate or The ANNUAL PERCENTAGE RATE for cash advances is 21.9%. corresponding to a daily periodic rate of 0.06000%. If w~ receiv@ y.Qu_r ~.cc,ount paymqpt la,to 2 o.r .~ore tim.es in any, 6:m~g_n[h,L.~,,riod. pp each sqch ,o~,rrpnce wp m,ay increasa,the A`PR for purchases up to,a m~{.mum o!,~z.;;~,~.~,{,cormspon..~3ng to a ~(y ,pfmg(:~c rate ot~.~u~,-~,,~}, ~ ~ncrease.rce Ai-'~ rot ce~ aavances an(~ cue[arc cash a~ancas .up max[rcu..m.o, tz;~.~O~(c.q.rr~.sk~onc~ngte,a,d~lypenoo~q, reteofO,..o6*.~'4u'~). Ii' att@r you rec,,e~ ~v~ the h~her rat`as yofl. r peympe[s .are receiYed pn tirce,,and you [coat.all omo.[,terms or ..re. ts .A~rc.en[.tor ,1 consacu~Jve morons, you [cay con[act our ~ustorcer ~ervise ceparzmen~ anco, at your request, we will[er[aw your AccOUnt 1or a possID[a A;-'N reoucaon. ,Gu,[',asa p,e~.d for, Porch. ea~ Bal.a.nce,. ~e,w pomh,asas pos, ted to yq,qr A~o, un.t i,n,,billing q~cJ.9,s with ,no p,r, evioq,s, balance,, or ~ the previous.belence was ~ly pa~o During rca cycle, aa not Degln to Incur a ~n,a, nce cna[ge until me start or me next D~llng cycle. You Will pay no rmance cna[ge on cccn new pu~rcl~asas if you pay ,m, etotalnewb~la.ncein..fqllby[.nepayrcentdcad, atashq .wn ,o, pyqqrstatoment,, New p.urc~asas posted in any other bi ngcyce ncur a ~nance coarge, and mere is no period in wn~cn suon po[chases [cay De repaid w~rcout Inourcng a ~cance cea[ge. Fees, .We .may charge your A.ccount $0 for.. e~ch ,Card you. ask u~t,o.,,.mp{ase; e~b ~u~,e,d payment; aa,cb ch,~, k you writs on, your, Accent th,at,,'fy.e retu~ u0 .,l~J~; peon stop payment order pr renowa~ or ~ucn an O.roer.,eecn Dlllrn,,.q cycle ~rc~n WhiCh your Account ~S ee~mquent (late ,qnarge~; and each Dnl~ng c~c~e~ vamon. Which your .'.balenge exc~,, your ,c, radit line (ove. rt~rcit rea,), er. eh If.your,A~c,,cgunt is .clo~a~i.. Jf you.,request cppi,as.of, billing s~tements that w,ere n~t sent ~o you rcore man mree morons eenier, we [cay cea[ge a canaing me o~ ~,z rot each such copy, I~ you request mat we [caKe a one-tirce automatic ~Continued on reverse) (5846.0698) 5497485001043928 1525 pay. m,.en.t,.from.your pa¢onal ,ch¢~jng ,acco. un[, we m,`ay,chCrge your credi{ card Account a fee of $,~.95. for each reques. This fee is a FINANCE CHARGE, an(:] it w~ll apply regaraless ct wne[ner tunas are avallaole in your personal checking account to maKe me payment, flWne may cha.rge a ~'ensactJon fee of 3% (re, in mum $5), wh ch .s .a. one-,.ti.me. FINANCE CHARG. E. on the ampur~t of sec~h cash advance, ncluding cash from ancia~ instirutians, and ATMs, wire transfers, money orca[s, lotted/ocsets, casino gaming chips, aha similar transactions, De[au t Ygu w be, n de[au t f any nfo[re.at on y, ou prov dod.. us Rmv, es tp be)nco.mp[ete,or u.ntrue; ,i,f, yoq ~. no, t, comply with, any pa~ of t.h s, Agreement;, upon your Death, bankruptcy or insolvency ir you ac not pa, y otner ,oeots wnan q, ue; ir a DanKrup, tcy petition ~s Tl~..e9, oy or against you; or it we Deiieve in faith,,,that ypu may,not pay or p~?orm yqur,d;:iiiga, tions u..n,e~,r th, is Agra.emend., .Ir you.are in d~reu'lt we. may, witnqut fun. er .demand .or n, otica, qa,nc~,~ yo. ur cre~3~t prlvlleges, oeclare your Account Delance immeolately due ano p. ay~e~,a, ng u.se any r.,emejT/we re.ay nave. In [ne event ct your oeraul[, me putsta, n, di.ng palance., on. your Account shall continue to accrue interest at thC A~(sI ~isclosed ~n the h[nanca Charges sas[ion of this Agreement, even if we nave n~ee suit to collect me amount you owe. Cr~it Line. Your credit Ii,ua is specified from time to tim.,.e,.in a, saps, rate. n,otice.,.Your me`n. thly s.ta, tements show your c,redit line a,n,d the ~,,o,u, nt of y,o,u,r ava able credo[We may ncreasa or Decrease your credit ~lne D`a. saa on ~0,~o .n~qatlon we ob[..a[neo from you or yqur credt recoros, four available cree~t s po[really the d, iff,eren, sa b~twee ,q yqur credit li..ne..and yo,.u.r A.c,.count eala.,nce ~nql~.ding, treosa .c.!lo.ns ms,.de or a.utho,nzed bu.! not yet ~.s!ed). I,f. you se, nd us a arge l~..ayment cnecK, we may limit your avatlat31e creon wn~le we conrlrrn mat the CheCK W~ll clear, hor cer[a[n transacuons avallao~e cm(:~ltmay De ~ess. You Wi I not use your Accounf for, and w~ may refuse to honor, any transaction wh ch w~u d cause you to exceed y~ur avai ab e crud t. Premi,se to Pay. You p,rom(.se !o pa.y us w, ben due.a/! amounts borro~ved when yqu o.r. s@.rneene.else u~ yo.ur .Acgount. (~ven. i,f. ~e a.n)ount charged exceees your perrpission), a omar trepsactlons aha cr~,a, rges [o your Account, ano c.,o?ecaon costa we ~ncur [nc~uang, out no[ ~ml~ ~o, reasona~e attorney's fees ano court costs. {If you win the suit. we will pay your reasonab e attorneys fees and court costs.) Changes Al!er we pl'pvida you a. ny no,.ce required by I.a.w. we [pay change any !~aA o.,f this ,A. gr~..m,ent and a~ o.r remow m`quire.mant.s.. If ,a, ch, ang,e !s maoe[o the t-inance unarges section of [nJs Ag.r, eam~n[, [ne.new r[nanca.c, narge calculation will a,~piy to your entire Account eal~nce [rom the e~Tective of ~ ch.ange. C..har~es wl{,{ apply to balances that include items postee m your Account before the dat~ of the change, and ~{{ apply whether or not you conunue to use me ACcount. Fore gn Exchange/.C, urrency Convere,/.,on f you u.se your (~a.rd fqr tran,s..a, ctign.s in .a currency o~er than, U:S; do !ars, the tra.n, saqt one ~i be converted U S. 8clara, j~eneraly usn~ ether a (i) govemmant-manda[e~ rate or (ii/wno~esale marne[rare Jn e~Tect [ne cay Demre me transaction is processee, nqrease~, by .m, rea percent ~3%). f a c ,r~. jts, sub~.equeptiy giv~.n [pr a .,t.t[an~qtion. it will ,be dec~as.ed, t2y the same percer~t~,ge, The c.u~ncy copye~io,,n rate usee on [ne conversion date may differ [rom [ne rate n enact on me sate you usee your ~.,aro. You agree to accept [ne conver~ee amount nu.b. dollars, t~he Card; ,.Caneall.a. tiop, You rng, y cancel your pmdit.~dvii.eges at any. tJrn~e by n. otifying us in wTi.tjng _and.dest/oying the.,.Card(.s). Upqn the ,~erd e,.xpim~ tio.n at e eno ct [ne monm s~w~ on n. we reserve me n~m not m renew me L, aro. we may cencel the Lam ano your cre~t pnvlleges at a.ny ama a~ter du oays notice to. yo .u., or wi,.'thou! nptic.e if pen-pi~.ed..by Jaw..].f ye`ur Ca~ ,is san,ce.l.~edpr not ren.ew,e`d., tinapcf~ ch,,arg.es.,and qtber, f~s ~11 con[id.ua .to,,be esses..se~. payme, nts w i continue to ~:~ cue, an(3 all other appt~ceqle p,mv~,s~ons ct ml,s Agreement, wll rems!n, Ip e~lec[. Ir you teffn, ihate your ~ren~t .prlvtle~[es, or Ir we cancel or do not renew the g;ard, you may no onger wnte CheCKs on your Account, ena you shou~o ~stroy any unuse~ ccecks we nave issuee to you. perS. onal th.[on,arian; D.ooureents~ You .will pro~,.da us .a! least 1.0 ..,days .notice i.f yo.u, change y .ou.,r name, ho.m, e o? .m.a!)ing. ~df:fm.s,s, tel~hon, e num.,bars, emplqyment or [ncome. upon our request, yo~ w~ll provide us acer)opal T~nancla,~ [nrormaagn. we reserve [ne.p. gnt to co[sin [nmrrn~[Ion ~rom o[ners, in, c,[,uq[ng c, redit reporting egenci.es, an~ tp pro, da you. r a..ddress an,d,[nrprmation,.,a.bo, ut yo.qr Ac~unt to ~t. he`rs..w.e ma~. als. o, s.,h,a, re m]o.r~.atiqn with qur arabia[es, ~owaver, you may wdte m us at any time ~ns~crmg us not to snare cr~3~t [nrormacon w~[n our arrl~ares. ~t you co not ru~r~l~ your co~gauons under this Agreement, a negative credit report that may reflect on your credit may be submitted .to the credit reporting agencies, Cqstome,r. Se.rvic,,e; U, nautho~rized Use, .L. Des, or Theft of c.h..ed~,..s qr the C. ard Each C.a~ mu. st,b~ .{~gn..ed pn r~, apt.. You .am, responsbe for saregua~ng ,me L;are, your i,,"..@rsonal Idanf#ica~on N~u .m~.['PIN .,,which proviees a,c,,ces, s to A~tom, a[e`p,, laser Machin~),a~ any c, necKS iss,ued to you from theft, end keepin~ your PIN saps, rate from your (jaro. ~ryouascoverorsu,spec[[natyourua,rg,,~L~oranyunosadcnanKsare~ostorsto~en, ormat the.re., m.~.y be an u .~u~<~ized trans~ption ,on your Accq. unt, yg.u will prom. ptiy n,@tifij u.s,, by .ca~in.g. 1-8,0u-9,.~- .7.22~1, Sp we can irqm .e~a. tely act to I!.m, it loss,es ano ~aD ~l[y,. y.o,u w~t poone us even [nougn you may also no[ny us in wn~ng. You wl~l not De I~a~e mr unau[nqn~,eo use occumeg De[ore you no[ny us or a Io~ ,or .thee If. you report or w~_su.sp~., t una~utho.n,z~ u. se o! your Accou...nt. we m..ay.su.spand..y.our .crep'i. 't privileges ur!til we_. re`solve the problem to .our sa'~srec~ or ~ssue you a new (jars. r yop. r ~;aro s lost or sto~ep, jou ~l~ pmmpny Destroy all CP, e~KS in your possession, lo improve customer se[vies and security, you agree that your calls may be monitored or recoreeo. ~,laereh. ant Rel,a. tto,~$. We will not .b~ )iable if any, perse`n or Automated Tell,er ,.M.a .c. hine,, refpses .to ~nor the ,Card or acc .egt your ch,~ks,,or f~il.s t~o .re[pm. the, rd to you. we nave no re.spo, nsibi~ity for goDes ano services pursnase*3 with [ne (Jam or onsoKs except as ,mquiree Dy law. (uae ~peslal Nute C~,i:tain 15epa[its that,are available with[ne Account are provided Dy third party vendors. We are not responsible for the quality, availability, or results of any or [ne sauces you cnousa to usa. iSa[op. Payment,Orders. If, you wish to stop payment on .a cb. ack, y.qu.may ~nd .us a stop ~y,me,nt order by ,writing.to,B,s. at our a .dd~ for. customer ,sarvi. ce tee on your satement. You can make a stop p.`a, yr.n. ant or, er oreny D~. Calling r~a [lu,q'Der IlStee on your sratemanL wnen you make a s~op payrqant oroer~ you must'p.rovi.da your Acc,~nt number and .speci .tTq, info .n'q, ation. Ab.~.'ut[ne, ch~k,: th~.,.e.xact a[mo.u,nt, the, date on th.e c. hsok, [ne ri.ama,of .the ~r~Y to,.,whom it was payable, [ne name or [ne p~rson wno.aignee It, aha .the onecK number. ~pp Will De asKee [O contl~ an ore[ stog, payment oroer In.wnung. we may d, isrega.'.rd you, r,.om.,I order !,f w, eoo not ,rece~,ve a, sigh~, _,wntten.Den~a.~.on ~,thin,. two, ,w, ~k,s a,fter the o. re! order, o.r if we ha.vp not rece[v,~ an a,daq,~t6 Descnp~on or [ne {[e,m so [nat.pay.n~nt ~n De stopl:~3../ne orca[ will not Da erT~C[IV.e it [ne oneqF was I:~o Dy US De,Ore we naa a reasonable ogpu[[unity to act on the order, we may. wi[hob[ liability, disregard a written stop payment omar ax months a~er receipt unless it is renewed in writing. StShetan, dard of. Cam. Becaus..e.~is.A. ccount invp!ves both cra, dit card`arid., ch~k_tran.~.ctioq.s, which em. proce~sad ~h.mugh. separate natio,nal..s, ystems before. ~ransect~ons are consml~atee ~y us, an~ Decausa not avery onecK an~3 L;aroaip v~ll De sent to us, mansact~ons in y~r AccOUnt W~II De prcceesee mechani~!ly wi[hoB[ our n, ecessari y reviewipg evenly i!em,, Oqr p. roce~ing s. ys[~em ,will cai[ our .atten.tio~ to.cartp, in ire,ms which we...w, II exam ~ W~ wil! .exarnth~ al .m'~..nsactions wr~q you _r~rt ~ha[ ypur uaro or onanKs, naye ~ lost or stoke.n, we no no[ in~ana orcap, ad~y [o e~. mine ail imms. ane w~ will not pa negllge,nt if ..we .do, not do so ..Th'is rule e§...t~dishes the s',.a...nda, re ~ ordtha,,r? cam wT~i~ we. in g ..(:~.. faith will ,e.xercise n.a.d, ministe.ri.ng your ACC,,ount. uecausa or our i m ten revie.~, aha Depause neimer yoqr cerlcall~{3 cn .acK{nor ~Jard mansaction s~ip,s w I De re~urna3 to you wi[n me mon[n y statement, you shou, id be .f~amfqi, to enter e`ll c,h~,ks m your c.[~k m`g~ster, or o~.e,~?'seKeep a.recq .~ of .~.,em..You s.ho.ui.d a{.so save y,~,r ~.redit card ~sh advance and `ourcnasa alps. You agree tn oneCK your mon[nly stateman[s against your recoro ano to nou~y us imme~lataiy o~' any unaumonzed ti'ansacaons or errata. Waiver o,f .Certain Rights. ,,We may delay or .waiv,e e.nforce,ment .of ,any pm. vis or~ o,.f ,this Agreemen! wi~out Igs)ng ppr ~g,h.t to enfqrsa it or ,any other provision ate[. ,~ou wa ye [ne rightth presen~an, ~,.mand. protect, or notice or dianonor, any applicable statute ct iimiations; ano any right you may nave to require us to proceed against anyone before We file suit against you. ~A, appli ,c,c,c,c,c,c,c,c,c~. le,Law, L~ev, erabillty; As$ignm, ant. No mat,[e,,[ where you live.,this Agreeme. nt end,your Ac,cq. unt am, ggv. em,,ed by f, edeml Jaw end, by.New, mpsnire aw. i n s ~greeme[~( s a [ina e,~:~ress on or m.e agreement i~[w~rl you aha us anq, may r~qt ~e conma~ii~;tee Dy ~i~nce o! any a~leg .ap agreement f any prov]s on o( th s Agreement ~s he d to be ny.a!ld or unenrcrceaore, you.and we will cons~oer, that pmwslon ..m. ddir~ to conmrm to applicable aw, ,a.n.d the rest bf the Fowslonsjn ~ Agree,men[ w~ll still be enforces.hie. At any tirn,e after we d~,t,e, .~ln, e in g~, faith. [.hat any p, ropo .~, or ~naoted legislation, reClu/atory acOon, or juo~cJal Dec sion nas renDerea or may ren..(~r any materia~ @rovisions or [nis Agreement invalio or unenro,rc~e~ Die, or any increasedtax,.repp, rting r~qulrement, or other bu~en in connection ..w)[n a,n.y s~ch.~. ~vlsJon or its enforcement, we. may. ,a. fter at leas! 30 oays notice t`o, you, or without notice if permitted by Jew, cancel the uard and your Credit p~ivileges, vve may transfer or assign our fight to a~l or some o~ your payments, ir PROVIDIAN ':-~ Financial state law re~lu, ires that you receive notice of such an event to protect the purchaser or assignee, we may give you such notice by filing a financinc,:,:j statemen with the state s Secretary of State. Notices. Other notices to you shall be effective when deposited in the mail addressed to you at the address shown on our records, unless a longer notice period, is opeci,fi,ed in this A~greement or by law, .which p, ep~od,, ,shall..sta~ upo,n mailing. Nor~c.e to us shall be mailed to our address tor customer service on your s[atemer~t (or other a~3resses we may speci~yl and snal~ De e~Tective when we receive ~OUR BILLING RIGHTS ~ KEEP THIS NOT CE FOR FUTURE USE. This notice contains important information about your dghts and our responsibilities under the Fair redit BilJJng Act. ~i¢, #fy .Us in Case of Erro~ or,Ques#ons. Abo{tt.Yqur ,8, ill...l,f,.you..th~n,k ~.our bill is wrong qr (f, y,a.u ..nee.d more informa~bn a.b,o, uta, py tr¢ns,a, ction.on your It,. ~rite.us on~a s. epara.,te sneer, at the a.,ddre, sslisr, e, o in ~I?~ pi!/,lng ~lgnrs 5um,ma~ on your ~ill. wnia to ua as soon as I~ossibie, we musi near imm you no ~amr man ou days anur we sent ypu me first bi, on WhiCh me error or problem appaared~ You can telephone us, but da~ so w I not presewe your rights, in, your. letter, give.us the ~ol!pwing inforF)ation: -~ ,Your name,and Aqc.ount n. pm~e.r, .~ j h~,dol[ar amount of th9 sus{:~c, t .eg"'errer. - D~be the error and explam, i1 you can w;qy you ~elleve mere rs an error, ir you need more mrorma[ion, descnpe [ne item you are not sure a~out. ~yo.u haye authodze.d us to, pay yourflredit, car~,bill a.utomaticalJy fm, m.youLchecl~ing a~count, yot~ can ,sto~, ,th9 payment on any amount you th nk s wrong. o stop me payment, your ~etter must reach us three business days Derore me automatic payment is ecnedu~ed to ecour. Your Righ..ts and .Our, Res~.o~sibiflff,~ After We Re,c, eive Your Written Notice,., W,e rnus! a,c, kno ,w, le ,dg,e, your letter with n 30 days, unless we have corrected the error Dy men. w~min gu o. ays,.we must eirner correct .m.e error or exp~am wny we oefieve me dill was correct~ After we receive yo,u`r ~etter, we c,armot try tq collect any .amount you, ,ques~on, or ,re.ri you as,. ,d~. Iinqu.ent,_We .c,an co,ntinue to bill Ye.U` for.the amqun[ you question, in,.c(u~ling ,f nat,ce cnarg.e,s, ana we can appty any unpala a ,mp, unt against y~)ur credit nne. You do no[ nave [o pay any quest oneo amount wl311e we are investigating, DUI you are s'till 0bIigated to pay the parts 6f your ~i~l that are herin question. . f we find,that we mad.e a mistake on your bil, you will not have to pay any finance charge re ated to any questioned amount If we di~'t make a mistake you may nave to pay tmance charges, and you wtil have to make up the missed payments on the Questioned amount in either case, we will send you ~tatarn~nt o,f the ,amount yo.u owe and the d~ta that, it is due. If y~ou,fati tp I.I~Y the.,am, ount ~e.,thi.nk yb, u owe, we may ~p.,ort you as del nqu.ent H. owner, f our e.,xplanatio,n,,o`oe.s npt satiety yoq. and ygu w&e toys within ~u days ~elling us m,aLyou stiu re,use to pay, we must t~, anyone we r~o.n you [o thatvou bq~,[}g~ uYO~[~elll~ t/~lnrd, ,w~ m~sttal[ y_o,?.tq, e ns,,me or a. nyone we ~po,,3e3' you .tp.. ~e. ray. s,t tell anyone y~e re~,rt you t9 that .th,.e. matter has. been set{led awn :llna y S. lwenontiOllOWtneserues, wecan collectmenrst~ouoltnequestloceoamoun[,avennyourDi, was correct. ,$pecl, al R, qle for ,C.r~,,i( Card Pq~.,hases,., If you`, ha. ye a pro,blem, with the qua!/,ty of ~e prop~,, rty or splices that you, purch.a, sad wi~ our credit card_,and you nave..m.ep ~n good ~alm tq .cerrect me proDmm w~tn me .,memnaqt, you may not nave to pay me remalnmg amount due on me goo<3s_ or sewices, mere are two.~mrtat, ions on m s right la) you must have mode th, e purchase in yo.u..r no~e eta!e, or if not ,w thi.n you. r hgme state, with n ,'10(]. miles o,f your ou.rmnt mai ing address; and {b)"bhe p. urcnase price must have peen more man ~,~ mesa ~imitatJons Od not apply ir we own or operate the meronant, or J* we mai oct you the advertisement for the property or services. Z561 VALERIE ROSENBLUTH PARK ATTOP~NEY 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 T~E TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 941 BOSLER AVE APT A LEMOYNE, PA 17043-1763 5497485001043928 CUMBERLAND COUNTY COURT OF COMMON PLEA~ PROVIDIAN NATIONAL BANK Plaintiff VS BRYAN E GIPE Defendant NO.01-853 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: AMOI/NT OF CLAIM ATTORNEY FEES PLUS ACCRUED INTEREST LESS PRINCIPAL PAID LESS OTHER PAYMENTS $4,055.69 $689.46 $335.81 ($o.oo) <$o.oo) TOTAL $5,080.96 PLUS ADDITIONAL COSTS I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND 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"./ VALER~ROSENBLUTH PARK,ESQUIRE Attorney for the Plaintiff AND NOW, , £~ , Judgment is entered in favor of the Plaintiff and against the Defendant by Default for want of an Answer and damages assessed in the sum set forth in the above certification. 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, NEI 03276 DEF: 941 BOSLER AVE AFT A LEMOYNE, PA 17043-1763 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS BRYAN E GIPE Defendant NO. 01-853 NOTICE OF PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: BRYAN E GIPE 941 BOSLER AVE APT A LEMOYNE, PA 17043-1763 DATE OF NOTICE: 3/27/01 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU ACT WITI-I1N TEN (10) 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 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, 4"' FLOOR CARLISLE, PA 17013 (717) 240-6200 PARK LAW ASSOCIATES, P.C. VALERIE ROSENBLUTH PARK, ESQ. CCi THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. EXHIBIT 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: 941 BOSLER AVE APT A LEMOYNE, PA 17043-1763 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS BRYAN E GIPE Defendant NO. 01-853 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 BRYAN E GIPE, Defendant is over 21 years of age; that his/her place of residence/business is located at 941 BOSLER AVE APT A LEMOYNE, PA 17043-1763 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 Soldier an~i~Sailors Civil Relief Act of Congress of 1940 and its amenj~m~nts. PARK LAW ~I~C. BY:~~h Park ~'ttorney for Plaintiff EiO SHERIFF ' S CASE NO: 2001-00853 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS GIPE BRYAN E RETURN - REGULAR SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon GIPE BRIAN E DEFENDANT , at 0018:29 at 941 BOSLER AVENUE APT A LEMOYNE, PA 17043 BRIAN GIPE a true the HOURS, on the 14th day of February , 2001 by handing to and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18 Service 9 Affidavit Surcharge 10 00 92 00 00 00 92 So Answers: R. Thomas Kline 37 02/15/2001 PARK LAW ASSOCI Sworn and Subscribed to before By: me this ~4~ day of Deputy ~, iL6~[ A.D. ~c~thonotary