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Our File No.: 263858
APOTHAKER & ASSOCIATES, P.C.
BY: David J. Apothaker, Esquire
Attorney I.D. #38423
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorneys for Plaintiff
ARROW FINANCIAL SERVICES LLC
5996 W TOUHY AVENUE
NILES, IL 60714
Plaintiff,
VS.
SONIA L LETTKO
2 MARSHALL DR APT K
CAMP HILL, PA 17011
Defendant.
F1
2010 JUL 14 '3: 4
GUPv _, ?i RY
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.: 10-4641 o'-wererm
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 attorney and filing in writing with the court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a
judgment may be entered against you by the court without further notice for any money claimed in the
complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other
rights important to you.
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.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE
YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE
PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY BAR ASSOCIATION
34 S. BEDFORD ST.
CARLISLE PA 17013
717-249-3166
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Our File No.: 263858
APOTHAKER & ASSOCIATES, P.C.
BY: David J. Apothaker, Esquire
Attorney I.D. #38423
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorneys for Plaintiff
ARROW FINANCIAL SERVICES LLC
5996 W TOUHY AVENUE
NILES, IL 60714
Plaintiff,
VS.
SONIA L LETTKO
2 MARSHALL DR APT K
CAMP HILL, PA 17011
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO..
CIVIL ACTION COMPLAINT
FIRST COUNT
1. Plaintiff is ARROW FINANCIAL SERVICES LLC, 5996 W TOUHY AVENUE, NILES, IL
60714
2. Defendant(s) is/are SONIA L LETTKO, an adult individual residing at 2 MARSHALL DR APT
K CAMP HILL, PA 17011.
3. Plaintiff, ARROW FINANCIAL SERVICES LLC, is the Assignee and Successor in Interest of
Account # ending in 8614; and said account was issued to Defendant(s) by HSBC CARD SERVICES (III) INC,
the Original creditor.
4. Defendant received, accepted and used the account to its benefit.
5. This account is in default and Defendant(s) has an unpaid balance of $4,014.21. A true and correct
copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A".
6. All credits, if any, to which Defendant(s) is entitled, have been applied to the account and are
included in Exhibit "A".
s ,
7. Although demand has been made, Defendant(s) has failed to make payment of the amount due as
above.
WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of
$4,014.21 and requests this Court award costs to the extent permitted by applicable law.
APOTHAKER & S IATES, P.C.
Attorney for P aintiff
A Law Firm Engaged ' Debt ollection
BY:
David J. Apot er, Esquire
Dated: 7/7/2010
Our File No.: 263858
VERIFICATION
David J. Apothaker, Esquire hereby states that I am counsel for plaintiff in this action, and that I am authorized to
take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to
the best of my knowledge, information, and belief The undersigned understands that the statements therein are
made subject to the penalties of 18 Pa.C.S.A. 4904 relatin M unworn falsification to authorities.
David J. *othaker, Esquire
AttorneWor Plaintiff
DATE: 7/7/2010
ARROW FINANCIAL SERVICES LLC
SONIA L LETTKO
2 MARSHALL DR APT K
CAMP HILL, PA 17011
STATEMENT OF ACCOUNT
Debtor's Name: SONIA L LETTKO
Account Number: ending in 8614
Original Creditor: HSBC CARD SERVICES (III) INC
Balance Due: $4,014.21
Our File No.: 263858
EXHIBIT "A"
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson ~L~
Sheriff ,- , .
~~~,~,tp of ~ ~; mbr~ra ~ - T, . ~,,,,
.,
Jody S Smith ~ ~, ,
Chief Deputy 4 ~ L Q i ~ ~, ` ~, - ~:; ~-'` i ~ j : L ',
f ~ '~y3 ~ ~?'o
Richard W Stewart •`'j~ A'UCr y ~m l'•dI
Solicitor Q~wce _ F TNT s~sR~fR ~~'P :; _ '_ ~ ~ s 3'
t' i ~~'j°(_1,
Arrow Financial Services LLC Case Number
vs. 2010-4647
Sonia L. Lettko
SHERIFF'S RETURN OF SERVICE
07/30/2010 05:03 PM -Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on July
30, 2010 at 1703 hours, she served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Sonia L. Lettko, by making known unto Farouk Sakr, adult in charge at 2 Marshall Drive,
Apartment K-12, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time
handing to him personally the said true and correct copy of the same.
AM NDA CO AUG ,DEPUTY
SHERIFF COST: $41.50
August 03, 2010
SO ANSWERS,
~d~ ~-~,.
RON R ANDERSON, SHERIFF
lc) CountySuite Sheriff. Teleosoft, Inc.
Our File No.: 263858
APOTHAKER & ASSOCIATES, P.C.
By: David J. Apothaker
Attorney I.D.# 38423
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorney for Plaintiff
ARROW FINANCIAL SERVICES LLC
vs.
Plaintiff
SONIA L LETTKO
Defendant
Civil Action
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Kindly enter judgment against Defendant, SONIA L LETTKO, in the default of an
Answer, in the amount of $4,014.21 computed as follows:
Amount claimed in complaint: $ 4,014.21
Less: Amount Paid: ( 0.00)
Plus: Interest from July 7, 2010 to September 7, 2010
at the legal interest rate of 0.00% per annum 0.00
Attorney fees 0.00
TOTAL $ 4,014.21
I certify that Defendant, SONIA L LETTKO, t kn 7?s
s i
s 2 MARSHALL DR
APT K CAMP HILL, PA 17011.
David J. Apot `la cer, Esq.
Attorney for Plaintiff
Dated: September 7, 2010
CIE* /S?S0'r
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A-Witf- '*Vza(LL
L410 SAP i ? P? 3? ?6
rCOUNTY
PENNSYLVANIA
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
NO.: 10-4647-CIVIL TERM
Our File No.: 263858
APOTHAKER & ASSOCIATES, P.C.
By: David J. Apothaker
Attorney I.D.# 38423
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorney for Plaintiff
ARROW FINANCIAL SERVICES LLC
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
Plaintiff
SONIA L LETTKO
Defendant
VS.
NO.: 10-4647-CIVIL TERM
Civil Action
CERTIFICATION PURSUANT TO RULE 237.1
Pursuant to PA Rule Civil Procedure 237. 1, I certify that a copy of the NOTICE OF
Attorney of Record.
I verify that the statements made in this Certification are true and correct. I understand
PRAECIPE TO ENTER JUDGMENT BY DEFAULT has been sent to the Defendant or the
8 Pa.C.S.A. §4904, relating to
that false statements herein are made subject to the penalties
unsworn falsification to authorities.
David J. Apothaker I
Attorney for Plaintiff
Dated: September 7, 2010
a
Our File No.: 263858
APOTHAKER & ASSOCIATES, P.C.
By: David J. Apothaker
Attorney I.D.# 38423
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorney for Plaintiff
ARROW FINANCIAL SERVICES LLC
Plaintiff
vs.
SONIA L LETTKO
Defendant
Civil Action
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
NO.: 10-4647-CIVIL TERM
. SS.
David J. Apothaker, being duly sworn according to law, deposes and says that I am the
attorney for Plaintiff, and authorized to make this affidavit; that Defendant(s) resides at 2
MARSHALL DR APT K CAMP HILL, PA 17011.
We inquired with the web site of the Defense Mz
Wilson Boulevard, Suite 400, Arlington, VA 22209-25
branch of the military.
Mary M. Snavely-Dixon, Director of the Defei
our inquiry indicated that the Defendant(s) is/are not in
David J. Apot er, Esq.
Attorney for Plaintiff
r Data Center, located at 1600
the Defendant(s) is/are in any
Center has sent back
I verify that the statements made in this Certification are true and correct. I understand
that false statements herein are made subject to the penalties of 18 Pa.C.S.A. §4904, relating to
unsworn falsification to authorities.
I3epabma t of D&nst 4farpovarer Data Center
Sur-a^-20I0 Ia_3.41
MAt-1 Stab. Report
Ptesuart to the Smite _iernbers Civi R64Act
Last FirtrdAii &
NAM* $ftte Date Aeries Dtttr Mates AMY* Doty E*d Date Semce
LETTKO SONIA L Based the ieformattion you her fen stied, for DL D(: dens sax 1x >ses, erns iafor:wibon
indicating the indhidual status,
Lpon mi rd ing the idotuaatioti data banks of tit Daepart uttt of Ddtew olatpowrf Dua Ctaw based on the xiorms6w dw
you provided, the abcr e is the r rmw states of the ire iduai alto all branehes ofthe Ue orwed Services (Ara:y, Naxy, kfariw
Carps, Air Force. NO.AA, Public He> ih, sue Coast Guard).
Nfwy -i1 Sna efv-Dam, Dwector
Dtpa tnent cl Defense - Man" rr Data Center
1646 &i1sm RI%-4, Suite 4413
Atfi4on, VA 32209-2593
The Defeusc Manpower Dam Cater PNVDC) is an organizmaa ofthe Dtparlnvent ofDefense than maintaws the Definse
Enrt and EiOW Reporting Spstcm (DEERS) database which is the e&cof source of data an eighty for >a>kary meccal
care and oiler ek*Al ty systems
The DoD strongly supports the afoxcusnrm of for Sm a Members Cirri RAdAzt (5USC App. 3§ 501 et sett' as amrnded3
(`SCRA) (€urmerly known as the Sok&rs' and Sakrs' CM Rdt Act of 1940). DhlDC has issued hwde& ofdwU3a03ds of
'dxs to pown Say wfwmtmom wdicatiog done die it 4 ideal is cmTe* m actin a dun °' tr€pomes. and khan es menaced a
error rate. In the esmat the astfn hW refirenced abwe, o any faenuim inember; fiiend, or rep esmawr asserts in any manner duug
ear
the nttiridusl s on acwr dui, or n Odenxist entitled t6 the protections of dw SCRs, you air strongly encouraged tD ObLIM
firdw vw 6ca0oa of the pdrsot s stains by caaucwg drat persona s Sovkt via the'<Weasekk wf 4: ZL
IrEm sanely defrasckinkfaayis PCOaSLR
If petsgra is on acsv2 sbrt5 and you rag to obfais tits
htu,. s ou have evi k c the adduonalService xTmTwatim prraienxprovisiow oftbe SCRAmar-beivwkedagainst you. See 50 nCApp, §531(c}
If Vonn obtain additiotw ilr f"w-atim abotat tae person (e g., an SSN, it ov ed accuracy of DOB1 a Puddle, aawc); y cm ears R ibrm
)vw request agan at das Web sit- and we vA gumiAc a new carfficatr fnr that query,
phis respome redectsactive defy starts '
tutludiug cats the iadvidtsal was least oa active Butt, ffa was Aithia the preceding 36"
dogs. For historical i&nnamM please contact dw Sesice SCRA paints-r- comtacr
More infonh tan on Active Derr Slow'
Active duty stain as reported is this catfficae is defined it accordance with 10 U SC § 101 01) for is period of more dwn 30
consecutive days. In the case of a m tuber of die Na" Guard, intirmies service under a cal to active ser%ce antbcmed by the
Prrsidcnt er the $e"etarv ofDdrue tot a period o(vior'r that 30 eoweWntt &ys mdrr 3Z USC ¢ 5020) for putposes of
respond* to a motional amnency declared by the President and supported by Federal funds Al Active Guard ResenT (AGR}
umbers esnt be kmgaed atgaiirist an asst wwrd poskim in the emit they support- Ths mxkKks Navy TARS, :'Barone
Corps ARs aid Coat Guard RPAs Acting Duty status also applies to a Vato sad Senice nxvk t %to is an active date
carsassiss>atsed officer Oder U S Prsblic Hes3h Service or the N Ocra k and AbnogAeris Admix istratiors ('OAA
Caunessicecd Carps) for apemdcfmxc don 30 consecutive dams
Cove7lw Cider the SCR A is'arwadr r in .Sortaur Cal"
Cav-rage undis the SCRA is broader is some cases and wi3des some categories of person an active cht. for purposes ot the
S MA unto would riot be reported as on Acts- Due older this certificate.
Marrj' tmxs orders am a ae>ded to rSLrnd de pciod oft,-r duty, whwh,%vdd =dead SCRA protectiom. Persons seeking to
MY on this websi'tc certification should check t4 make sate the orders on which SCRA protections we based have not been
ceded to Mead dte ioduave dates of nice. Furlhetmuse, some protectiuw of the SCRA may intend to persons who have
trceiv,ed orders to report far ednx duty cc to be inducted, but who have not acw* btg m actk a duty or act aky reparicd for
mdachon. The Iasi Date on Actin a Duty entry is irwortant becans e a number of ptotecbms of SCRA extend be-.nod flit last
dates of active dura
ThDsr tvhio would rdy ran. firs certdieare we urged to seek qua5bed legal weasel to etsstar that at
rights guaranteed to Smict
mwbrs undtt dte SCPLA are protected
WARNNG 31is certificate was provided based on a nano and SSN prnvidcd by the requester_ Frrtni[ an evromeers name
eta SSN wig carts.- an emoeean certificate to be provided.
Report 11T2EMAID 7V
263858 OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
ARROW FINANCIAL SERVICES LLC } COURT OF COMMON PLEAS
CUMBERLAND COUNTY
vs. )
SONIA L LETTKO ) NO. 10-4647-CIVIL TERM
To: SONIA L LETTKO
2 MARSHALL DR APT K
CAMP HILL, PA 17011
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN 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 PAPER TO YOUR LAWYER AT ONCE, IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
CUMBERLAND COUNTY
ASSOCIATION
34 S. BEDFORD ST.
CARLISLE, PA 17013
717-249-3166
BAR
- - ?7 -
DAVID J. APO HA R, ESQUIRE
APOTHAKER & ASSOCIATES, PC
A Law Firm Engaged in Debt Collection
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorney for Plaintiff
Attorney ID 438423
Date: August 23, 2010
OFFICE OF THE PROTHONOTARY
COURT OF COMMON PLEAS
TO: SONIA L LETTKO
2 MARSHALL DR APT K
CAMP HILL, PA 17011
ARROW FINANCIAL SERVICES LLC
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
Plaintiff
vs.
SONIA L LETTKO
NO.: 10-4647-CIVIL TERM
Civil Action
Defendant
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.
XX JUDGMENT BY DEFAULT
JUDGMENT IN REPLEVIN
JUDGMENT BY CONFESSION
JUDGMENT FOR POSSESSION
JUDGMENT ON AWARD OF ARBITRATORS
JUDGMENT ON VERDICT
JUDGMENT ON COURT FINDINGS
JUDGMENT ON WRIT OF REVIVAL
IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL:
ATTORNEY David J. Apothaker, Esq. at this telephone number: 800-672-0215
9 i7/1o