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HomeMy WebLinkAbout01-1232VALERIE 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 CI/MBERLAND COUNTY COURT OF CO~4ON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS. BRIAN S KIPP Defendant i: NO.OI- /~ ~,o~l 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. ~ERLAND COUNTY RARASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800) 990-9108 THIS IS AN ATTFJ~_PT TO COLLECT A DEBT. ~ INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VALERIE ROSENBLUT~{ 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#: 5497485500941861 CUMBEi~ COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK 295 MAIN STREET TILTON, NH 03276 PLAINTIFF VS BRIAN S KIPP 7 PENNSYLVANIA AVE APT B CAMP HILL, PA 17011-5414 DEFENDANT NO. 0/- ?~3~ 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, BRIAN S KIPP, has a mailing address at 7 PENNSYLVANIA AVE APT B, CAMP HILL, PA 17011-5414, 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 5497485500941861. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4. The Defendant requested anaccount, account number 5497485500941861, 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 $4,476.82 as of 12/09/2000, 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 $761.00. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,476.82, plus pre-judgment interest at the contractual rate of 21.90% per annum from 12/09/2000 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $761.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUI~T 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 bythe 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 ATT~PT TO COLLECT A DEBT. ANY INFOR~ATIO~ OETAINED 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 $4,476.82, plus pre-judgT~ent interest at the contractual rate of 21.90% per annum from 12/09/2000 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $761.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, PoC. BY: VALERIE ROSENBLUTH PARK, ESQUIRE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WESTATE 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. AAU~ INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. j VERIFICATION I, HEATHER KOOREMAN , 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 Alameda County,~~e~California. Date Designated Agent PROVIDIAN Financial EXHIBIT Providian National Bank VISA® or MasterCard~ November 14, 2000 Please review this docu_,ment and keep it with your other important ,pa .pp. rs. This Accoun. t Agreement contains the terms which govern y, our. Providian National B.ank V SA or. Masta.ruard Accqunt [the,"Accoun, t"). The ACCOUnt allows, you.to .m. aKe pu. mha. s,e,s, by us, i,ng yo.ur VISA or M,,aste.j~. 'a,rq card,,(the "Card") wDerever it is nonorea andto get cash aavances rmm us or any omerpa~icipating rinancla~ ins[itu[i? a.no rro,.m. Automated Teller Macnines, L;onvenJence checks may a!so be p. rovidad to you. .as an additi.onal ,w. ay.ta use the A.C. cou,n,t. In t.h~ Agreement, you and ~o. uff. mean ~ch parson for whom w.e have opaned a craait card Account. 'We," "our," 'oure~ ane us .mean ~mvioian Naliona~ uanK or its assignees, as ~staa on your Pilling statement. The ACcount may ~ ,used only for pe,rs.o, nal, famtiy,,hg.u, se.holo, and .cha,,nt,,~lepurposes. and not fo? any bpSiqess or cqmmerclal purpose.,,Any u.se o.[ this A, cc.o. pnt ~h.al.I cons[Iture acceRrence or me terms or mis Agreement. it [ne ACCOUnt was obene(l as a loin[ account we may act on [ne instructions or e~mer joint aCcountho der. ~'ou and we agree es follows: Paym, ,eats. You wi,il, receive a. mqnt,hly s, tate.men,t showing,you[ puta~.nding balan.ce., Payment on this Account is, ,mqu!,red in U.S. ,d.ollam, (checks mu,st be p~ea e at a U.~ omge of the DanK me CheCK is arawn_.onuor.at least me .payment cue as snow, n on yqu.r, statement Dy me payment oue,,aate n accoroance w~tn. ~ymept in.structipns o.n your monthly, s. tateme.n!./he,DaCK or yo.ur statar~en, ta sho~'s the rura, s we inflow, when we p. pst paymeRts. ~.onvenie.,.nce checks ano o[ner ChecKS we issue to you m~y no[ De USee [O make, payments on your Account or to maKe pa ,~nenrs on any omar account you nave With us or our .affilia. tas. ,.The payr:n, e, nt due wil~ ~: 2'~ of the, .n ,e.w ~lanca sno,,wn on your .~t ,ateme..,nt p. lqs the a.m. ou~ ,d~f a, ny, past due pay.me@t, and .may iQclud~.the am.ouqt Dy wn ch the new Da anco exceees your credJ.t line. How, ever, m,e p.,aymen[~ue will not De [aSS [nan, ~to [,unless you, r new Da(anco is ~ess m,an ~1o, in wnion case the [)ayment due w be the amount CT the new ~lance~, ir your Account is past due or aDoveme craft ~ine. we may require a nigher minimum payBlen~, b.u! we will nofi,fi/ypu ~fore doing so.. [f your pay,.m.ent is more than the payment, due, it .~,'11 ~ ,~,eatad a,s a, si~.gle paymeRt a,n.d none.pr it, w, ill be apple.ed to ~uture ~ .ymen~s aua. we may acq~pt lare or paraal payments, or payments marKeo pale in TUlr or mar~ea wi[n omer restrictions wimout losing our dght to co oct afl amounts owing under this Agreement, If you have made special payment arrangements with either First Union or Previdian, you need to continue making the agreed upon payments. Fi. nan~e qha. rgee... Except, es des, c..ribgd,in the Gra..ce P.~riod for..P,.urqh, a .se Bal.ance .secti.o.n of this Agr.~rDenk..fin,a, nse .charge~ ,begi.n tq a,.ccrge o.n .a debit when It is mc u(3so m one or your early palances ano cgntmue una~ tnat Da~anca ~s reaucaa Dy a payment or crecy[ Your ACCOUnt nas [ne ro.owmg Delapcas: The Purchase Balance, which c~on.s~[s.of you[ e, xistmg P,u.rc.hese Ba!anc,e.a,nd new.pu.rcna ,s~s you .make w~t.h your. Card a. nd. fees.for c,erta[n opliona( services', one or more (flus[om uesn Aovanca ua~an,ces, wh~ion consis!s, or Delancas mat you transtar to your ACcount using, balance o'ansrer ChasES ano balances that we transtar [or You; and me L;asn Aovafice ualanca which consists of all other cash advi~nces and cash eavance transection fees. Any payment amount we receive tha,t ,,ex.coeds the ! nanc.e ,charges`, an,,d .fees the,.n. ~e w . .ord na. rily_~ba aPl~l., ..ed ,fi~t, to the Balance ~.th the owes[ Annual ~-ercentag,e.,Rate (APR), until that ~a~anca is zero, {po m.e,n [o..me ,~,ala..nce wire me nex~ ~owest AFK. uhliI mat uaanca is zero. ano men ~o any remaining Balance.we reserve the dght to apply payments dgraren[~y wimout runner notice. ~he purchase, Cu{~tom .Cash Adv~ance, ancJ, C. ash Advan,c.e. Bal.a.nces a.re re~u~ .c,f~d by pa. ym .enta as of the ~te, r~,,e ved, a.,nd b.y cr ~it~a.s ,of the ~te, posted. urcneses are includ~ in your ;-'urcnaseualance as or me Dare maae. uus~om cash aavances are thClUOea in your uustom uasn Aovance ualance as fo ows funds e~t,ron ca(y tr{~nsm [ted to ot,he.r enders to,, t~n.sf.er baa0,ce.s, as of,tt)..e date tre. nsm, [tad; ch, ac'ks .tp trg. nsfer ,ba. an..qe.s~ as of .ff!.,e dat.e p. resented to us. umer casn aovancas am inc[ueea in your uasn Aavance uaj.ance as ro!)ows: casn agvances fro,re, o.~ner, lir~ncial instir,uuons ano mrcugn Automated T.etiers. as, of th,e date made; cas. n, advance, ch,ecks,, m.,ade paya, b~e to yg, u mat are identified as cabs. piers, C.RecKS and, m, ailed to yo.,u at your r~uest, as ct seven oays aner th.e ,date we,,ppnt on the ,c.n.ecK; a, o[n.er c.n~KS, as o!me data pre.s~nl;~ to us.~um, er deb~ts ara i~lu.de~, in your ~'um. n.,ase. Custom Cash Advance_or Cash Advanceua~ance as or [ne oata pos[ea, mnance cnarg~e,s areao~ee to your ~-'urcnase. uustom uasn Aovance, ano uesh Advance Balances each day and are then posted on the last day of the billing cycle. 'There is no grace period for custom cash advances or other cash advances. ~ao figure th,e, da, tiyflnaqca charg,e fo,reach .t2p~, .of ,B .a. lanc% w,.e sta. rt,with yo, ur pravious day',s I~al.,apce, add all dep/ta, and stjb, ,tract aJl.,c ,r~its for.the cur.rent` y an(~ mullip~y me net amount Dy (ne .aRpccaD~e aai~y p. enodic rara {sea rc.owing paragr, a, pn.s)., me r[nance cna.rge [or each typa or u~ance is tnen "a .qgea to a, nd. inc .ud~a n that ~y's~Balance: We treat a c,r~lt beJa,,nc.e for "any day a,s zer..o., w..e ~,t..ennine ,the.total. firt. a.n. cec, harges .on balances f. gr the bi)ling cycle Dy adding [9ge[her ~ne nnanca charges [or eaon type or ua anco mr each ~y w m n me D ng cyc e n ca cu at n,g nnance cnarges, an .adiustrn.enk.wJ. be ~paqe, for. aoy tr~o~clion, or, paym,e, nt m. at w~q!d ha~.e. .afl,ted ~e ~ina,n, ce.c,narge calcula~o,q.)p a priqr billi.ng cycle n.,ad it I?e~n p0,sted in !,hat c. yg~e. ,T,,he appllcaDle aaily panDalC rate to[ sucn a lrencactlon Will De [ne rate in e1Tect rot me current Pilling cycle ra1.iler tnan me rate in ell'Oct on [ne oara Ol' me tfanseclion. (~our s~tar~...n.,t nc u.des aR ~verage ~ ly ,ba!anc. e, for ea,c,h .type of B. ,a, lanca.. Y.ou can.m.u!lip y e{~..ch a. verege daily bala.nce . ~tt~t is not. zero by ~ n. umber, of ~ in me oi.ing cycra ano me pai'iDaic rate 1'o oorain subtotals, ano men aaa me subtotals togemer [o eerermine your [ora~ nnance onarges on Da~ances Tor e btiling cycle. The term "Pd .m.e Ra.. to' as usdd in ~.e Agraeme .n.t m"aans t.he,,highe,st prime.rate publishe~,, in. the .W. afl, S~e.t Jo,,mai o,n ~ first ,busine.ss day of th.e prev!ous, ca enear monm Any ncreese or eec[ease in [ne Annual Fercan[age Rate w Ii take e~ect on me nrat aa,/or your o ~ing cycle an(3 may [eau t Jn a sigh[ increase or decrease in the amount of your minimum payment. .The. AN.N. UAL~,P,E.R, CE..NT. AG .E.P-~,TE (.APR.) fo[~urc, hases .may va.ry a..nd ,w. ill be .ad~us,&e~_ep.c...h billing, cycle_to.,1. ,3.4% above P. rime, Rate~ .b. ut wil! iR. no e,vent, ~.0~s4~n zt.~'~, using m,s lormula, me P,,l~ ,or purchases In [ne movemeer zouu D. Iltng cyc,e .s zz.~"~, correspono, ng toe ~ally penoalc rare o1. The ANNUAL PERCENTAGE RATE for cash advances is 21.9%. corresponding to a daily pariodic rate of 0.06000%. If we. receive, y,o~u_r ~c, cg, unt paymept late 2 qr..more tim.es in. any, 6zm~, ,[,~,,dod. p,n each su.ch .o~2~[~rrence w.e re"ay increase.the A. PR for purchases up to.a maximum or z,~.,,~J'~ [correspon~3ng to a eally p~rlOOlC rate ct U.UO~4~ alta increase ~'le A~I-( 1.or casn aavancas ano custom cash aavances .up to maxJ. m`u.m .of 23..90% (c, ,.or~e..,~3nding to, a, daily beriodi.c rata of .0..06548%). ~1' after you r~_siv.e the hi.ghat rates your payrn~, ts.are received pn Iime..and'you meet all omar terms ol .[his .Ag[eamem 1'or ,~ consecutive monms, you may contadt our uustomer ~ervica dap;ar(men[ aaa, at your request, we Will rewew your Account for a possible APR reduction. ~.r. aee p,efl, od for. Purc.heae. Ba ~.nce. Hew purcti.ases pos. ted to yo.qr .Accpur~t ,n..b Ilin~ c¥c[.e.s w th .no p, rev ou.s, ba anc% or when. the previous,balanca was ~ypa o au[lng me cycle, aa no1. .Df~lin to incur a nnance cnarge until me star~ or me naxt'bi, ng cyc e. You wi~ pay no enance onarge on sucn new pu, rcnases if you pay .me total new ba. la.n,ce in. .fqll by the payment due .date shqw. n .o.n yqqr statement,, New pprcl~eses posted in any other billing cycta incur a nnance cna[ge, ano mere rs no penaa m wn~on sucn purcnases may Da mpa~o w~mout ~ncumng a nnance cna[ge, cFpaeS. I.fyourAcco. unt s.curr.e, ntlynotchargedan.annu, almpm,bershiE.fee,,yo,,u .wjI co,n..liquetohaven.oannuaJmembershp,,fee, fyou,rAccgunt ,scurranty rgee an annual membership tee. your annual memDarsnip tee Will De .~.fl~, we will cna[ge your ACCoUntS0 for: each [,;am youes~ us to raplaca; eaon re!,umed,pa, yrnent;.each check, you wdt. e,.o.n yqur Acpount, that. w.e.,retum u, npai,d.; eac, h s, top paym. ent order or.ranewa of.such a,n or..~r; eac,h bill rig,cycle wire n wr)Jcn your Account s Delinquant [~ate cnarge~,; ano ea.c.n Dil~Jng c. ycle witnin wn cn your Da anco exceeos your cma t ne [oven m t feek even ~t Account ~s closed. If you raquest copies of billing statements mat were nrst sent to you more than three months earlier, we may charge a hano~ing fee of (Continued on reverse) (5846-0698) 5497485500941861 1525 015 zs61 for each Such copj/. If you mauest that we make a one-time automatic~vment from your personal checkioc account, we may chi e our credt card account a fee of $'4.95 for each toque.st This fee is a FINANCE CHA[~{)~. and it will I re ' . .Y ' checking account to make the payment ' , appy gardless of wliether funds are ayada~r~e( m your parsona f.Wne m~y .cha..rge.. a transactio.n fee of 3.% (minimum $5), wh. ich i,s a one-time FINANCE CHARGE on the amount of each cash advance, including cash from ancla~ msu[la~ons, and AiMs, wire [rensrers, money oroers, lOttery tickets, casino gaming chips, and sim ar transactions. DefaulL You will be in default: if any information you provided us proves to be incompmeta or untrue; if you do not compmy with any part of th s Agreement; upon your death, bankruptcy, or insorvency; if you no not pay other U~ts when due; if a bankrup, tcv petition is tiled bv or against you: or if we believe in ced faith that you may not pay or cerform vour oDligations under this Agreement. If you are in default we mav without furUier deman'd or c ,r~)d!t pdwlege.s, declare you/Accouqt balance immediately due and payable and use an,, ,'~,~,~,, ,.,~, _~, ,, .......... 9otica. c,a,nc~..g~..our g ~aoce on our Account snarl continue to accrue ntersst at-th6 APR s disclosed In t ' . . . Y , me have tiled su~t to collect ~e amount you owe ( ) he Finance Charges section of th~s Agreement, even If we Creel., I.t .Line....You. r, credit line is speciti.ed from time to tirp.e in a, sepa. rata notice.Your month y statements show ur credit 'ne and the am available rea~. wema increaseor reuse ourcreomt ne cesea on irsorm~tion we obtained f ye . .ountof emir .normally t~e ~lfference b~t~een your cdt ne aYn(d your Account belanr.~ I'n,~ .ri nn h~n,~.,'..~ .... r_o~m_ ~y.ou 0,r,_yqur qr. ed!t re.cot.ds. Y. ou.r ay.allabie cre.~t is rg p~ym , I~rmt your ave~lable credit wh~le we contirm at the check w. ' ed) . You will not use your Account/for, and we may refuse to honor, any transa~in wh,ch we ul d'llcaCul s~r ~,oFu~DCexe~c~l~onurS~v~a°i~aS~)laeVcaiml~i~.e credltymay be less. Promiae to Pay. You prom se to pay us when due all amounts borrowed when yqu or someone else use our Account eve e.x. ceeds, your parrp, ss on), a other treneactions and charees to your Account ~nd ~n,,~,*i,,,~ ,,,,o~ .... ~,-,,,.~/J ..... (. n. ir. ti!.e a.m. cunt charg .ed at~omeys reds end court costs. (If you win the suit, we will I~ay you~reasonabta :4tt-~e'~'~'~'~n~d~ur~'~o~.~r oc~uamg, DUI no~ ,rmlaa [o, reasonable Chun es. After we Rrovide you any notice r.~uired b law, we ma chun e an ' ' . made~o, the Finance Charoes section of this Aareeme~Yt the new ~'"'~Y~,'~. ~-~ Y,~a~.o,!..t_h?.:,A, g_??m~,_nt and a..dd o.r remo¥.e .r.squlre.ment.s.. If .a. change is ~o,[f ~e cna. nge. C..han, ges will apply to balances that include items posted to ~'~ur Account befo~':~ ~ ,~ ,~-~ -~- ................ Fereien Exchange/Currency Cenvem on f you use your Card for transactions in a currency other than U.S. do ars the transactions will be converted to .U.S. 8ollars, genera y usina either a (il govem.rnent-ma.ridated re. ti or (ii) wholesale marke! rote in effect the day before the tnsection ~s rocassed ~n.creaseql. by .m. roe pament ('3 .%).. f a c .r~.jt is suos.equen~Jy given ~or a transaction it will be eacre~d hv fh,~ ,.~n~ .... - · ~r ' ' p . , dollars. , ........... , ......~ ....a~u. ~ou agree [o accept ~e~ converted amount in U.S. The Card' Cancellation. You m.a.y cancel your credit pdvile es at an time by notifying us in writing and destroying the Card(s). Upon the (;ard e?,piretion at the end el~ the month shown on it, we reserve the ncli~t not ~o( renaw~e Car(i. We may cancal the Card and your cred t fiwlegec at any time after 30 days notice to you. or w:i.'thout notice if permitted by law. 'If yqur Card is cancelled or not renewed, finance chimes and othelP~ees will continue to be asses ed, payments will continue to be due and all other applicable p.rovi.sions of this Agreement will re.main in effe6't. If you terminate your cred t .priv es, or i~we cancel or do oct renew the Card, you may no onger wfita checks on your Account, and you should destroy any unused checks we have ~ssm~eg~o you. Personal Infon'naflon; Dooumento. You wit provide us at least 10 days notice if you chined your name home or malhn address tel ho e n f)mplo, yment 9.? inco ~me.. Upon our request, you will provide us additional financial inferm~finn ~"' ............ i' gJ. , e~ ri u .m..be. rs, inc!.ualng credit reporting ageocjes and to provide your address and infomlation about"~'~'~o~t ~mm.e ngn[ [o cola n n)'ol!'n ~[~on ):rom q[nors, affiliates. However, cum wrmta{(~us tan timeln ' .. Y . . . Wema alcoshareln~rmatonwlthour th s A~,reement a n~y(°~''m~ay'---~'' ~- ~' )--Y ~,, _,,?,,,ffu,,c.,U.n.g...u..s.n._ot. [o_s~ c..r~.~t in,.fo .r~. uti. on wlth..our affiJjates f you ~ not fultill your obligations under Customer Service; Unauthomized Use, Loss. or Theft o,f, Ch,coke or the Card Each Card must si ned o ,safeg..ua~ng ~ Card, your Personal tdentitica§on Number ( PIN which ~,,',',,~,"~o ;',,~,-~ ~^ ^ ......... b~_,, g, ~p r ,~ipt; You .are. re~. pensible for from ~ne~, uno Keepioc vour PIN seoarate from vour Cnrd Ii~ vnn ~li~r~.,,~.r~',;;~-,~,'~"~h~%~,~.~-m~m~~'~;~u ~e, er ~wacn~nes) and any cnec~s ~ssued to ou them., m(?y be an unauffl611zed tmns~ction on veda; A~-dE{ ,,~ ~l ',:~F,G,~i,7',,~t¥~,"~,,~t','~',,,IY~",J' ?om~,,, P~I~N~ _,o,,r ,,apy,,unused ch.ecks a/e most or sto on, or ~'~t · - ,,. ~.,~ . .~, .,.,.,~, u ,.,),,,o,,,,.,.~ ,-ovu-=oo-/zz~ ~owecan mmea~ataly act to limit losses and I)ab~ ry. y.o.u will phone us even thou{3h you may also notify us In ~'~g. You ~i~ not be h~bie for unauthorized use occurring before you noti~ us of a loss or theft f you report or we suscec[ unauthorized use of your Account, we may su~.pand your credit privil es until we resove the satisfacUqn or issue y6~La new Card.' If your Card is lost or stolen, u will re U destrb ' ' eg . . roblem to ~r and eacunty, you agree that your calls may be monitored or mco~:~lY.° p mp y y all checks In your pessecslon. To ~mprove c~tomer se~ce Merchant Relations. We will not be liable if any parson or Automatad Taller Machine refuses to honor the Card or acc t your checks, or fails to return the Card to you. We have no resoonsibiliN for gou~ and services ourchased with the Card or checks except s ~,u ~deP/~ law S Sec a Rule Certain lSe.netits that are available withthe A~count are rovidodb thi a v · ' Y. (. .P, ' below.) of the serVlCss you chooea to uea. p y rd-p rty endors. We are not respons~lJle for the quahty, avaiyeablhty, or results of any Stol) Payment Orders. If you wish to stop payment on a check, y..ou may send us a stop cevment order b writing to us at our address for customer sen/ica listed on your s.tatement. You can m. ake a)top pa. yn]~t order ora. fly by calling .the numlS~ Ii§tad on your ~tement When ou make a st a youmust roviceYourAccountocmcerana,~peci.fFcinfo tionaooutthecnecK: thee ct . opp entorde.r ~a,?,s~,~a,~,!?.,..ff_m_~,na_rn..~e_ _of..,the p0. teen. who.s~gced. It, a .n~..~.~ check, number. You will ~ asak~c~tnot'~,~nefidate n°norat~l Jha3~v~em~n~mn~ ~e~.~c~.'.tion of.the Item so that Davment can .b~ s~...'~lj or~d~rO~lm~nao[J~3~ ~wi~in~,?p.~ [~..,k~..af~.?.__l~le_ qr~[ ordo.r, ,or If we .have not rece[v, ed an adequatJ ecl on the orcer. We may, withobt liability, disreg~tid a written stop payment ~)r"~i~ '~3~l~['~t~-W~l:~[~u~'~e~ im~s~nWe~lC~na v~li~gn,dole opportunity to mech~ani''-''1" w~tho't our necessari]{ re~i~.-. ....... 't..__ ~,_'J'. ~.~".~_ n ~mHu ',,~mu alp....Wlll De ~n..[ [o. us, lrsns.s~uons In y ur ACCOU [ Will Da proceseeu examlne~i ~r'~neac~ons when you ~l~Jrt ~ ~o~'~a~r~hU~.u~Ph~r~wsl~g, ~s[em Will call our arian[ on to ce~ln .items Yw~ c.h we ~m(ll examine. W will ~ negligent if we do not do s~. This rule e§tabli~i~'~ ~'~;:l~'~'7~f nt nrn'i-n~os,,.,t ~t°l,~+,en~',,,-W.-e.-d..°-..- ~t in,t ,en.d..°rd .n. anly tq e .xarnln.e a. ll. tt.em.s, and we. ~i(~l not uecauea of our lim ted review, a~l because neither your cancelled che~'k~'m~"('~'~,,'C'-'~i~W~l~,.,nog..-q~,-~l-m. ~m! ~e.xamlee in.. a.qmmn st .op..rig your Account. should be ..carefu to enter all checks in your check h~ister or othe,,-,i-o b~,:,"J='~,-t~"?~'~'.~-'"'~%w. Iml,--u~- ~[_U, mee [o you wrm ..e mo thly slatament, u pumhaca slips. You agree to check your monthly statements a,',ai,,;,i";7,.~,;',Y,~-,.~,'~-'~J'~*~--u,=F;l[: ,Lu--u -s-..-r)~. I,~ al,so save yo..ur c.m~ ca~ cash advance aY~nd Waiver cf Cedi n Rights. We may delay or waive enforcement of any provision of this Aemement without osing our right to enfqrca it or any other provision later. You waive: the rightto presentment, demand protest, or notice of dishonor;'any applicable statute of limitations; and any right you may have to require us to proceed against anyone before we tita sui{ against you. Apl)licable Law: Severability; Assignment. No matter where you live, this Agreement and your Account are governed by federal law and by New Hampshire law. This Agreement is a final e~re, ssion qf the agm.ement b, etwegr! you and us ancl may not be conba~icted by ev nco of any altag~d oral agreement. If any provision of this Agreement is neld to ce invalid or unen~orcean e you and we wit consider that provision moditikieoqeto conform to applicable law and the rest of the previsions )n the Agreement will still be enforceable. At any time after we determine in good faith that any proposed or enacted legislation, regulatory action, or judicial decision has rendered or may render any m~itarial provis one of th s A moment riva any increased'tax, rtin re uirement o ' . . g · 'd or unenfomeab e, or im se rope g q , r other burden in connection with any such prov~s~on or its enfomement, we may, after at least 30 days noticP~e to PROVIDIAN Financial y.oq, qr Withou! no~,ca.if permitt.ed by I.a. w, c.anne, I the Card.~nd yqur .C. redit pri.vitages. We may transfer or ~ssign our fight t..o al,I oLs..ome 9,f you[ pay.mgnts. I.f state ~aw requires mat you reserve nouca or such an event to protect me purchaser or assignee we may grve you SUCh not~ce oy nlmg a nnancmg statement with the state s 8~cretary of State. Neff ,c~.. Othe.r n,o~ic~ to.you shall .be e, ff~tive w, he,n depos, ite, diP ~e.mail addr,e,~sed.t.o you .at the ,a~r,ess sh.o,w.n.on our ~,cords; unles.s a longer hotice penoa ~s spec naa ~n tn s hgraomem or Dy law, .wn. !ch p~e, noq ~ne~..s~ar[ upon mal~mg, mot~na re us sna~ De ma~ea to our aaarass Tar customer service on your statement (or other aaaresses we may specJEt) aha sha~lDe effective when we receive it, YOUR I]ILLINO RIGHTS - KEEP 1'1-115 NOTICE FOR FUTURE USE This notice contains important information about your dghts and our responsibilities under the Fair Credit Billing Act. ~oti~ .Us in Case of Effo~ or,Qu,~,tion,s,Abo.~, ,Yo, ur .B, ill.~ !f,,you,,th!n~k ~,our bill is wrong o.r if, y,o.u n, ee, d more information a.b,o, ut a,.ny trans, a, ction, on your ill, ~f'#te us on a separate sneer, at me aeoress lisrea in rne uillihg Kignm ~ummaty on your oitL W#te to ua as soon as possible, we must near tram you no I, ate. r than 6,0 days after w..e s,e..nt ypu th~ first,bill on ,w, hich the erm~ o.r prob(em appaared~. Yqu. can telep,hon, ,e` us but ~in.g so will n~ot pr.a, se..rye your rights, in your ~ettar, give us tne tol~o~no inmrmation: - Your name anu Account number. -/ne ao~ar amount o~ me susp .ac. tee error. - ~escriae cna error and explain, if you can why you believe~ere is an error. If you need more information, describe the item you are not sure about. Tf yo,u he`,ve authodz,ed us to, ,pa,, y your.credit, card,bill a,utomatical!y frqm,.your, check, ing a..ccount, yo.u can .sro .p !he, payment on any amount you think is wrong. o stop me payment, your letrer must reacn us rares ousiness cays aurora me automatic payment is scneeuleo m occur. Your Rights and ,Our Res~J.o,n,.s. ibilities After We Ea..calve Your .Wriffen No#ce.. W,e mus! a..ckno.w, le~,g.e, your letter within 30 days, unless ,we have correctac~the after Dy then With n 90 days. we must eimer correct [ne error or explain wny we oelieve me alii was correct. After we reca~ve your utter, we ~nnot try tq collect any ~mount yo~ ,question., or ,repp. rt you as,,. ,delinq,uent..We f;.an co.ntinue to bill yo~ for !he amqun! you questipn, in, Flu,d. ing !in.anco onarges, one we can app y any unL~ a ar0.o, um against your creelt ~ne. You ~ not nave to pay any quest onea amount wnue we are nvest gat ng, out you ara still bbligatad to pay the parts bf your Dill that are nmin question. If we find.that w.e made a miata, ko on your ,bill, yog.,w, ill not. have. to pay.any f. inan.ca charge, relat.e`d to any..ques.tioned ~mo. unt,.If we didn't ma.k..e a mistake, you may nave to pay r~nance charges, aha you w~ i nave. to m,~Ke Ut:) ,,~e mis .s~e payments o,n. tn,e ques[~oneo amount, n etner case, we w sene you a statame, nt o.f the,amount, you, owe and the date t.h. at, it Js ~u.e`,, iry~ou,rail top. ay me,,am, ount w,e,.mi,nK you owe, we may r.ep, prt you as delinqu,ent. H, o,w. ev, er. if our e~anation ~ not satisfy you ano you write to us wi[nih ~u cays tailing us that you Still reYuse [o pay, we must res anyone we rffpon yo~J to mat. you .qu,estion your.b I ,A, nd,,.we m.u, sttal[ yop,th..e n.a,me of a. nyone we ~bo~ed, ypu ,t,o. ~ mR.st tell anyone .we rebo. rt you t,o, that ~.e. matter has. neon set0ed ~tween us wnen it finauy is. n we eon't ro~ow tnese tutus, we can t collect me rimt ~ of tne quesconeo amount, even ir your Di~ was correct. ,Special Rule for Credit Card Purchase~,., If you ha.,ve a pro,bio ,m with the qua!iF of the prop.arty or services that you bomh,a, sed wi~ our credit card,and you nave tried in good fa th to cor[e~, t the proc~em with me memnaqt, you may not nave to pay me roma ning amount due on me.gooes or services. There are two.limitatio, ns on this dght: (a) you must have ,r~. de ~e pumnese.in y~ho,m.e sro!e, ,or,if not .withi[~ your hpme state, wimJn !00.. miles o,f yo~Jr cu,r~ent mailing aeoress; and (b~'the.Rurqnase pdce must nave ~een more man ~. /nose limitations OO not apply Jr we own or operate rna mercnam, or i~ we mailscTyou the advertisement for the property or sewices. SHERIFF'S RETURN - REGULAR CASE NO: 2001-01232 P COMMONWEALTH OF PENNSYLVA/~[IA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS KIPP BRIAN S SHAWN HARRISON , Cumberland County, Pennsylvania, says, the within COMPLAINT & NOTICE KIPP BRIAN S DEFENDANT at at 5401 OXFORD DRIVE MECHANICSBURG, PA 17055 BRIAN KIPP a true Sheriff or Deputy Sheriff of who being duly sworn according to was served upon 0018209 HOURS, on the # 14 the 9th day of March by handing to and attested copy of COMPLAINT & NOTICE together with 2001 and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18 Service 6 Affidavit Surcharge 10 34 00 82 00 00 00 82 Sworn and Subscribed to before me this ~g---~ day of ~t~4_ ,~/ A.D. / P~othonotary ' ~ ' So Answers: R. Thomas Kline 03/12/2001 PARK LAW ASS~IA~ES/~/ 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: 7 PENNSYLVANIA AVE APT B CAMP HILL, PA 17011-5414 5497485500941861 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS BRIAN S KIPP Defendant N0.01-1232 CIVIL 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 $4,476.82 $761.00 $325.02 ($0.00) ($8~.oo) TOTAL $5,481.84 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 cgrrect copy of the notice pursuant to Pennsylvania Rule of Civj~Procedure No. 237.1 is attached hereto and marked Exhibit/~". VALERIE ~OSENBLUTH PARK,ESQUIRE Attorney for the Plaintiff AND NOW, ~,t( l~ , 9WD~. ~_ , Judgment is entered in favor of the! Plaintiff and agalnsu 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, NH 03276 DEF: 7 PENNSYLVANIA AVE APT B CAMP HILL, PA 17011-5414 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS BRIAN S KIPP Defendant NO. 01-1232 CIVIL NOT/CE OF PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO: BRIAN S KIPP 7 PENNSYLVANIA AVE APT B CAMP HILL, PA 17011-5414 DATE OF NOTICE: 3/30/01 IMPORTANT NOTICE YOU ARE 1N 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 TH/S NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTIcIER 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, 4ta FLOOR CARLISLE, PA 17013 (717) 240-6200 PARK LAW ASSOCIATES, P.C. BY: VALERIE ROSENBLUTH PARK, ESQ. 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: 7 PENNSYLVANIA AVE APT B CAMP HILL, PA 17011-5414 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS BRIAN S KIPP Defendant NO. 01-1232 CIVIL 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 BRIAN S KIPP, Defendant is over 21 years of age; that his/her place of residence/business is located at 7 pENNSYLVANIA AVE APT B CAMP HILL, PA 17011-5414 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 1940 and its amendments. PARK LAW ASS~IATES, P C/' Valerie Rosenbluth Park Attorney for Plaintiff 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: 7 PENNSYLVANIA AVE APT B CAMP HILL, PA 17011-5414 CUM~ERLA~rD COUNTY COURT OF COM~ON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS BRIAN S KIPP Defendant NO. 01-1232 CIVIL 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 Award of 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. PURSUANT TO THE FAIR DEBT COLLECTION ~R~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.