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HomeMy WebLinkAbout10-4670IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Midland Funding LLC assignee of CHASE BANK USA, N.A. Plaintiff NO, / n Q V. CIVIL ACTION - LAW o Z' r_ C`H _--? BETSY HENDLEY - Defendant(s) NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the follovting 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 or any other claim or relief requested by the Plaintiff. You may lose money or property 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 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE, PA 17013 (717) 249-3166 FFG File # 171627 111111111111 IN 11111 IN 11111111111111111111111111111111111111111 - Dv ?d-lx? ck 0 3 3 9 S.Z (;? PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Midland Funding LLC assignee of CHASE BANK USA, N.A. Plaintiff V. BETSY HENDLEY Defendant(s) NO. CIVIL ACTION - LAW NOTICIA USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despuds que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE, PA 17013 (717) 249-3166 FFG File#: 171627 PA/PA_NTCDE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Midland Funding LLC assignee of CHASE BANK USA, N.A. 8875 Aero Drive Suite 200 San Diego CA 92123 Plaintiff V. NO. CIVIL ACTION - LAW BETSY HENDLEY 27 S WEST AVE CAMP HILL PA 17011 Defendant(s) COMPLAINT AND NOW, comes Plaintiff, by and through its attorneys, Fulton, Friedman & Gullace, LLP, and files this Complaint and in support avers as follows: 1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all rights, title and interest to defendant's CHASE BANK USA, N.A. account XXXXXXXXXXXX8470 (MCM Number 8530684209) (hereinafter "the account"). 2. Upon information and belief, Defendant(s), BETSY HENDLEY , has a last known address(es) of: 27 S WEST AVE CAMP HILL PA 17011 3. Upon information and belief, this action is based upon a written credit agreement entered into between Defendant(s) and the original grantor. 4. Upon information and belief, defendant(s) used or authorized the use of the account to obtain loans from the original credit grantor for the purpose of obtaining goods, and/or services and/or cash advances. 5. Defendant(s) failed to make full payment of the amount owed on the account. 6. Upon information and belief, the last payment posted to the account on 09/06/2007. 7. The account shows that the Defendant(s) owe(s) a balance of $8947.33. 8. Attached hereto, upon information and belief, is a copy of the credit agreement provided to plaintiff as either the actual agreement applicable to defendant, or an exemplar of such agreement applicable to accounts issued by CHASE BANK USA, N.A.. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $8947.33, plus costs of this action, and any other relief as this Court deems just and reasonable. David R. Gall way # 87326 Fulton Fried & Gullace, LLP 130B Gettysb rg Pike Mechanicsbur , PA 17055 Telephone Number: (866) 563-0809 VERIFICATION Ashley H_aftan , being duly sworn (or affirmed) according to law deposes and says that I am employed as a Legal Specialist for Midland Credit Management, Inc. ("MCM"), servicer of this account on behalf of plaintiff. I am authorized to make this verification on plaintiff's behalf. The facts set forth in the foregoing pleading are true and correct upon inform; JUN 1 Q010 Date State of Minnesota County of Stearns sworn to (or affinged) before me on JUN 1 X010 i Public ROSEMARYG HOMMERD& Notary Public-Minnesota My Com?t?ssitm Ems Jan, 31, 2015 IIIII IIII IIBI IIII IIIII IIII IIIII IINII III IIINI IIII III IIII FFG file # 171627 EXHIBIT A CMA18103 Cardmember Agreement ACCEPTANCE OF THIS AGREEMENT This agreement governs your credit card account with us referenced on the card carrier containing the card for this account. Any use of your account is covered bythis agreement Please read the entire agreement and keep it for your records. You authorize us to pay for and charge your account for all transactions made on your account. You promise to pay us for all transactions made on your account, as well as any fees or finance charges. If this is a joint account, each of you, together and individually, Is responsible for paying all amounts owed, even if the account is used by only one of you. We may require that you pay the full amount owed without first asking the other person(s) to pay. Please sign the back of your card when you receive ttYou will be bound by this agreement if you or anyone authorized by you use your account for any purpose, even if you don't sign your card. Whetheryou use your accountor not, you will be bound bythis agreement unless you cancel your account within 30 days after receiving your card and you have not used your account for any purpose. Throughout this agreement, the words 'we','us' and 'out mean Chase Bank USA, NA., the issuer of your credit card and account The words yon', your and'ysun' mean all persons responsible for complying with this agreement, including the person who applied for the account and the person to whom we address billing statements, as well as any person who agrees to be liable on the account. The word 'card' means one or more cards or other access devices, such as account numbers, that we have issued to permit you to obtain credit under this agreement. USING YOUR ACCOUNT Your account is a consumer account and shall be used only for personal, farnily or household purposes. Unless we agree or it is required by law, we will not be responsible for merchandise or services purchased or leased through use of your account You promise to use your account only forvalid and lawful transactions. For example, internet gambling may be illegal in some places. It is not our responsibility to make sure that you use your account only for permissible transactions, and you will remain responsible for payingfora transaction even if itis not permissible or contemplated underthis agreement Types of Transactions: • Purchases: You may use your card to pay for goods or services. • Checks: We may provide you cash advance checks or balance transfer checks as s way to use your account We also refertothem in this agreement as a check or checks. You may use a checktc pay for goods or services, to transfer balances to your account, or for other uses we allow. But you may not use these checks to transfer balances to this account from other accounts with us or any of our related companies. Only the person whose name is printed on the check may sign the check. Cash advance checks are treated as cash advances and balance transfer checks are treated as balance transfers except as noted in this agreement or any offer we make to you. We may treat checks thatwe call convenience checks as balance transfer checks. However, checks that we call convenience checks and thatwe indicated to you are subject to the terms for cash advances, may be treated as cash advances and assessed cash advance rates end fees. • Balance Transfers: You may transfer balances from other accounts or loans with other credit card issuers or other tenders to this account, or other balance transfers we allow. But you me' not transfer balances to this account from other accounts with us or any of our related companies. If a portion of a requested balance transfer will exceed your available credit line, we may process a partial balance transfer up to your available credit line. • Cash Advances: You may use your card to get cash from automatic taller machines, or from financial institutions accepting the card; or to obtain travelers checks, foreign currency, money orders, wire transfers or similar cash-like charges; or to obtain lottery tickets, casino gaming chips, race track wagers or for similar betting transactions. You may also use a third party service to make a payment on your behalf and bill the payment to this account • Overdraft Advances: It you have an eligible checking account with one of our related banks, you may link this account to your checking account with our related bank to cover an overdraft on that checking account under the terms of this agreement and your checking account agreement Billing Cycle: In order to manage your account we divide time into periods called'billing cycles'. Each billing cycle is approximately one month in length. Foreach calendarmanth, your account will have a billing cycle that ends in that month. Your account will have a billing cycle ending in each calendar month whether or not there is a bdling statement for that billing cycle. Authorized Users: If you allow someone to use your account, that person will be an authorized user. You may request an additional card for use by an authorized user on your account If you do so, this account may appear on the credit report of that authorized user. You should think carefully before allowing anyone to become an authorized user because you are allowing that person to use the account as you can. You will remain responsible for the use of your account and each card issued on your account according to the terms of this agreement This includes your responsibility for paying all charges on your account made by an authorized user. You must notify us to terminate an authorized user's permission to use your account. If you notify us, we may close the account and/or issue a new card or cards with a different account number, You should also recover and destroy any cards, checks or any other means of access to your account from that authorized user. Credit Line: Your credit line appears on your billing statements. We may also refer to the credit line as a credit limit Your billing statement may also show that only a portion of your credit line may be used for cash advances. Cash advances, including cash advance checks, are charged against the cash advance portion of your credit line, and all other transactions are charged against your credit line. You are responsible for keeping track of your account balance, including any fees and finance charges, and making sure it remains below your credit line. If your account balance is over your credit line for any reason, we may charge you an overlimitfse as described in this agreement We may, but are not required to, authorize charges that go over your credit line. You must pay any amount over your credit line, and you must pay us immediately if we ask you to. This agreement applies to any balance on your account, icluding any balance over your credit fine. At our discretion, we may increase, reduce, or cancel your credit line, or the cash advance portion of your credit line, at any time. However, if you have asked us not to do so, we will not increase your credit line. A change to your credit line will not offectyour obligation to pay us. International Transactioex International transactions include any transaction that you make in a foreign currency orthatyou make outside of the United States of America even if it Is made in U.S. dollars. If you make a transaction in a foreign currency, Visa International or MasterCard International, Inc., will convert the transaction into U.S. dollars by using its respective currency conversion procedures. The exchange rate each entity uses to convert currency is a rate that It selects either from the range of rates available in the wholesale currency markets for the applicable processing date (which rate may vary from the rate the respective entity itself receives), or the govemment-mandated rate in effect on the applicable processing date. The rate in effect on the applicable processing date maydifferfrom the rate on the date you used your card or account We reserve the right to charge you an additional 3% of the U.S. dollar amount of any international transaction, whether that transaction was originally made in U.S. dollars or was made in another currency and converted to U.S. dollars by Visa or MasterCard. In either case, the 3% will be calculated on the U.S. dollar amount provided to us by that entity. The same process and charges may apply if any international transaction is reversed. Relosal to Aethorize Treasactions: Ws may, but are not required to, decline a transaction on your account for any of the following reasons: • because of operational considerations, • because your account is in default, • if we suspect fraudulent or unlawful activity or, • in our discretion, for any other reason. We are not responsible for any losses it a transaction on your account is declined for any reason, either by us or a third party, even if you have sufficient credit available. For online transactions, we may require that you register your account with an authorization system that we select. We will notify you if we want you to register. If you do not register, we may decline your online transactions. Refusal to Pay Checks: Each check you write Is your requestfor funds. When we receive a check for payment, we may review your account to decide whether to authorize that check. We may, but are not required to, reject and return unpaid a check for any reason, including the following examples: • We or one of our related companies Is the payee on the chock. • Your credit line or cash advance portion of your credit line has been exceeded, or would be exceeded if we paid the check. • The check is post-dated. If a post-dated check is paid, resulting in another check being returned or not paid, we are not responsible. • You have used the check after the date specified on It • You are in defauk or would be if we paid the check. Lost or Stoles Cards, Checks or Account Numbers: If any card, check, account number or other means to access your account is lost or stolen, or you think someone used or may use them without your permission, you must notify us at once by tailing the Cardmember Service telephone number shown on your card or billing statement Do not use your account after you notify us, even if your card, check, account number or other means to access your account is found or returned. We may terminate or suspend your credit privileges when you notify us of any loss, theft or unauthorized use related to your account You may be liable it there is unauthorized use of your account from which you receive no benefit, but you will not be liable for more than 550.00 of such transactions, and you will not be liable for any such transactions made after you notify us of the loss, theft or unauthorized use. However. you must identify for us the unauthorized charges from which you received no benafd. We may requireyou to provide us information in writing to help us find outwhat happened. We may also require you to comply with certain procedures in connection with our Investigation. PAYMENTS Payment Instructions: Your billing statement and accompanying envelope include instructions you must follow for making payments and sets forth the date and time by which we must receive the payment. You agree to pay us amounts you owe in U.S. dollars drawn on funds on deposit in a U.S. financial institution or the U.S. branch of a foreign financial institution using a payment check, money order or automatic dabitthat will be processed or honored byyour financial institution. We will not accept cash payments. Your total available credit may not be restored for up to 15 days after we receive your payment Any payment check or other form of payment which you send to us for less than the full balance thatis morked'paid in full' orwtth a similar notation orthatyou otherwise tender in fug satisfaction of a disputed amount (conditional paymentsl, must be sent to as at the conditional payments address listed on yourmonthly statement We reserve all our rights regarding such payments. For example, if it is determined there is no valid dispute or if any such payment is received stony other address, we may acceptthe payment and you will still awe any remaining balance. We may refuse to accept any such payment by returning it to you, not cashing it or by destroying it All other payments that you make should be sent to the regular payment address shown on your monthly statements. Page 1 of 6 We reserve the right to electronically collect your eligible payment checks, at first presentment and any representment, from the bank account on which the check is drawn. Our receipt of your payment checks is your authorization for us to contact the amount of the check electronically, or, if needed, by a draft drown against the bank account. Payment checks will be collected electronically by sending the check amount along with the check, routing and account numbers to your bank. Your bank account may be debited as early as the same day we receive your payment The original payment check will be destroyed and an image will be maintained in our records. Minimum Payment You agree to pay at leastthe minimum payment due, as shown on your billing statement, so that we receive it by the date and time payment is due. You may pay more than the minimum payment due and may pay the full amount you owe us at any time. If you have a balance that is subject to finance charges, the sooneryou pay us,the less you will pay in finance charges because finance charges accrue on your balance each day. Your billing statement shows your beginning balance and your ending balance {the 'Now Balance' on your billing statement). If the New Balance is 510.00 or less, your minimum payment due will be the New Balance. Otherwise, it will be the largest of the following: 510.00; 2% of the New Balance, or the sum of 1% of the New Balance, total billed periodic rate finance charges, and any billed late and overlimit fees. As part of the minimum payment due, we also add any amount past due and any amount over your credit line. Payment Allocation: You agree that we are authorized to allocate your payments and credits in a way that is most favorable to or convenient for us. For example, you authorize us to applyyour payments and credits to balances with IowerAPRe (such as promotional APRs) before balances with higher APRs. Credit Balances: You may request a refund of a credit balance at arty time. We may reduce the amount of any credit balance bythe amount of new charges or fees billed to your account Automatic Charges: You may authorize a third party to automatically charge your a cc ount for repeat transactions (for example, monthly utility charges, memberships and insurance premiums). If automatic charges are stopped for any reason (including because your account is closed or suspended for any reason) or your account n umber changes, you are responsible for notifying the biller and paying these charges directly. If your account number changes, we may, but are not required to, payfrom yournew account number charges thatyou authorized to be biliedto your old account number. Promotions: From time to time we may offer special terms for your account. If we do, we will notify you about the terms of the offer and how long they will be in effect Any promotion is subject to the terns of this agreement, as modified by the promotional offer. FINANCE CHARGES Daily Periodic Rates and Annual Percentage Rates: Your anneal percentage rates VAPRsh and the corresponding daily periodic rates are listed on the Rates and Fees Table that is at the end of this document or provided separately. To get the daily periodic rate we divide the APR by 365, and in effect always round up at the fifth place to the right of the decimal point Variable Rotes: One or more APRs that applyto your account mayvarywkh changes to the Prime Rate. When you have an APR that varies with changes to the Prime Rate, we calculate the APR by adding a margin to the Prime Rate published in The WatfStreatJournaltwo business days before the Closing Date shown on your billing statement. The 'Prime Rate' is the highest (U.S.) Prime Rote published in the Money Rates section of The Well StreetJournal If The Wall StreetJournalstops publishing the Prime Rate, we will select a similar reference rate and inform you on your billing statement or through a separate notice. A'margin' is the percentage we add to the Prime Rate to calculate the APR. A "business day' is any day that Is not a weekend or federal holiday. The Rates and Fees Table shows which rates, if any, are variable rates. It also lists the margin for each variable rate and any minimum daily periodic rate and corresponding APR. Two business days before the Closing Date shown on your billing statement, we see what the Prime Rate is. We then add the applicable margin to that Prime Rate to gat the APR. The daily periodic rate is calculated as described above. If our calculation results in a change to a daily periodic rate from the previous billing cycle because the Prime Rate has changed, the new rate will apply as of the first day of your billing cycle that ends in the calendar month in which we made the calculation. If the daily periodic rate increases, you will have to pay a higher periodic finance charge and may have to pay a higher minimum payment Default Rotas: Your APRs also may vary if you are In default under this agreement or any other agreement you have with us or any of our related companies for any of the following reasons: • We do not receive, for any payment that is owed on this account or any other account or loan with us, at leastthe minimum payment due by the date and time duo. • You exceed your credit tine on this account • You make a payment to us that is not honored by your bank. If any of these events occurs, we mayincresse the APRs ;including any promotional APR) on all balances (excluding overdraft advances) up to a maximum of the default rate stated in the Rates and Fees Table. We may consider the following factors to determine your default rate: the length of time your account has been open, the existence, seriousness end timing of the defaults on your account: other indications of your account usage and performance; information aboutyourother relationships with us or any of our related companies; and information we obtain from consumer credit reports obtained from credit bureaus, The default rate will take effect as of the first day of the billing cycle in which the default occurs. If we decide notto increase your APR even though there is a default or it we do not increase your APR up to the maximum default rate stated in the Rates and Fees Table, we reserve our right to Increase your APR in the event of any future default We may in our discretion determine to charge reduced default rates or reinstate standard rates for all or selected balances on your account finance Charge Calculation - Average Dally Balance Method (including New Tn.esctionsk We calculate periodic finance charges separately for each balance associated with a different category of transactions (for example, purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, overdraft advances, and each promotion). These calculations may combine different categories with the same daily periodic rates. This is how it works: We calculate periodic finance charges for purchases, balance transfers, balance transfer checks, cash advances, cash advance checks, and overdraft advances by multiplying the daily balance for each of those categories by the daily periodic rate for each of these categories, each day. You may have overdraft advances only If you have linked this account to a checking account with one of our related banks. We calculate the periodic finance charges forpurchoses, balance transfers, balance transfer checks, cash advances, and cash advance checks subject to a promotional rate the same way, but we use the promotional rate. To get the daily balance for each day for each category: • We take the beginning balance for that day. • We add to that balance any new transactions, fees, other charges, and debit adjustments that apply to that category. We add a new purchase, cash advance, balance transfer or overdraft advance, if applicable, to the daily balance as of the transaction date, or a later date of our choice. We add a now cash advance check or balance transfer check to the daily balance as of the date the cash advance check or balance transfer check is deposited by a payee, or a later date of our choice. • We subtract from that balance any payments, credits, or credit adjustments that applyto that category and that are credited as of that day. • We treat a credit balance as a balance of zero. To get the beginning balance for each category for the next day, we add the daily periodic finance charge to the daily balance. If more than one daily periodic rate could apply to a category because the rate for the category may vary based on the amount of Its average daily balance, we will use the daily periodic rate that applies for the average daily balance amount at the and of the billing cycle to calculate the daily periodic finance charge each day. This agreement provides for daily compounding of finance charges. To get the total periodic finance charge for the billing cycle, we add all of the daily periodic finance charges for each category for each day during that billing cycle. However, if any periodic finance charge is due, we will charge you at least the minimum periodic finance charge stated in the Rotas and Fees Table. If it is necessary to add an additional amount to reach the minimum finance charge, we add that amount to the balance for purchases made during the billing cycle. The total finance charge on your account for a billing cycle will be the sum of the periodic finance charges plus arty transaction fee finance charges. For each categarywe calculate an averagodaitybalance (including newtransacdons) for the billing cycle by adding all your daily balances and dividing that amount by the number of days in the billing cycle. If you multiply the average daily balance for a category bydw applicable daily periodic rate, and muitiplythe result bythe number of days in the billing cycle, the total will equal the periodic finance charges for that balance attributable to thatbilling cycle, except for minorvariations due to rounding. Grass Period andAccruel of Fineace Charger We accrue periodic finance charges on a transaction, fee, or finance charge from the date it is addedto your daily balance until psymentin full is received onyouraccount However, we do not charge periodic finance charges on new purchases billed during a billing cycle if we receive payment of your New Balance by the date and time your minimum payment is due and we received payment of your New Balance on your previous billing statement by the date and time your payment was due. This exception or *grace period' applies only to purchases and does notapplyto balance transfers, balance transfer checks, cash advances, cash advance checks or overdraft advances, If applicable. Transaction Fees for Cash Advances: We may charge you a cash advance fee in the amount stated in the Rates and Fees Table for cash advance checks and cash advances. In addition, if you use a third party service to make a payment on your behalf and the service charges the psymentto this account, we may charge a transaction fee for the paymem. These transaction fees are Roance charges. We add the fee to the balance for the related category as of the transaction date of the cash advance. For example, a transaction fee for o cash advance would be added to your cash advance balance. Transaction Fees for Balance Transfers: We may charge you a balance transfer fee in the amount stated in the Rates and Fees Table for balance transfer checks and balance transfers. These transaction fees are finance charges. We add the fee to the balance for the related category as of the transaction date of the balance transfer. For example, a transaction fee for a balance transfer would be added to your balance transfer balance. OTHER FEES AND CHARGES We may charge th e following fees. The amounts of these fees are listed in the Rates and Fees Table. These fees will be added to the balance for purchases made during the billing cycle. Anneal Membership Fee: If your account has an annual membership fee, it will be billed each year or in monthly installments (as stated in the Rates and Fees Table), whether ornotyou use your account, and you agree to pay itwhen billed. The annual Page 2 of 6 CMA18103 members hiptoo is non-refundable unless you notify us thatyouwishto close youraccount within 30 days of the date we mail your billing statemanton which the annual membership fee is charged and at the some lime, you pay your outstanding balance infull. Your payment of the annual membership fee does not affect our right to close your account or limit your right to make transactions on your account If your account is closed by you or us, we will continue to charge the annual membership fee until you pay your outstanding balance in full and terminate your account relationship. Late Fee: If we do not receive at least the required minimum payment by the date and time it is due as shown on your billing statementfor any billing cycle, we may charge the late fee shown in the Rates and Fees Table. If the late fee Is based on a balance, we calculate the late fee using the Previous Balance on the current month's statement that shows the late fee. This balance is the some as the Nov Balance shown on the prior month's statement for which we did not receive at least the required minimum payment by the date and time it was due. Overlimit Fee: If your account balance is over your credit line at anytime dwing a billing cycle, oven if only for a day, we may charge an overlimit fee. We may charge this fee even if your balance is over the creditline because of a finance charge orfos we imposed or a transaction we authorized. We will not charge more than one overlimh fee for any billing cycle. But we may charge an overlimit fee in subsequent billing cycles, even if no new transactions are made on yow account, it your account balance still is over your credit line at any time during the subsequent billing cycles, Return Payment Fee: If (a) your payment check or similar instrument is not honored, Jb) en automatic debit or other electronic payment is returned unpaid, or (c) we must return a payment check because it Is not signed or cannot be processed, we may charge a return payment fee. Return Check Fee: If Is) we stop payment on a cash advance check or balance transfer check at your request or (b) we refuse to pay a cash advance check or balance transfer check, we may charge a return check fee. Administrative Fees: If you request a copy of a billing statement, sales draft or other record of your account or if you request two or more cards or any special services (for example, obtaining cards on an expedited basis), we may charge you for these services. However, we will not charge you for copies of billing statements, sales drafts or similar documents that you requestfora billing disputeyou mayassertagainstus underapplicable law. We may charge, for any services listed above and other services we provide, the fees from time to time in effect when we offer the service. DEFAULT/COLLECTION We may consider you to be in default if any of these occurs: • We do not receive at leastthe minimum amount due bythe date and time due as shown on your billing statement • You exceed your credit line. • You fail to comply with the terms of this agreement or any agreement with one of our related companies. • We obtain information that causes us to believe that you may be unwilling or unable to pay your debts to us or to others on time. • You file for bankruptcy. • You become incapacitated or in the event of your death. If we consider your account to be in default, we may close your account without notice and require you to pay your unpaid balance immediately. We also may require you to pay interest at the rate of two percent 12%) a month on the unpaid balance when we deem your accountto be six or more billing cycles past due. To the extent permitted by law, if you are in default because you have failed to pay us, you will pay our collection costs, attorneys' fees, court costs, and all other expenses of enforcing our rights under this agreement CLOSING YOUR ACCOUNT You may close your account at any time. If you call us to close your account, we may require that you confirm your request in writing. We may close your account at anytime or suspend your credit privileges st any time for any reason without prior notice except as required by applicable law. If we close your account we will not be liable to you for any consequences resulting from closing your account or suspending your credit privileges. If you or we close your account, you and any authorized users must immediately stop using your account and destroy all cards, checks or other means to access your account or return them to us upon request. You will continue to be responsible for charges to your account, even if they are made or processed after your account is closed and you will be required to pay the outstanding balance on your account according to the terms of this agreement In addition, to the extent allowed by law, we may require you to pay the outstanding balance immediately or at any time after your account is closed. ARBITRATION AGREEMENT PLEASE READ THIS AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY RESOLVED BINDING IRN ARBITRATION REPLACES RIGHTTO GO COURT. YOU WILL NOT BE ABLE TO BRING ACLASS ACTION OROHER REPRESENTATIVE ACTION IN COURT SUCH AS THAT IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION, NOR WILL YOU BE ABLE TO BRING ANY CLAIM IN ARBITRATION AS A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. YOU WILL NOT BEAGLE TO BE PART OF ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE, OR BE REPRESENTED IN A CLASS ACTION OR OTHER REPRESENTATIVE ACTION. IN THE ABSENCE OF THIS ARBITRATION AGREEMENT, YOU AND WE MAY OTHERWISE HAVE HAD A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT, BEFORE A JUDGE OR JURY. AND/OR TO PARTICIPATE OR BE REPRESENTED IN A CASE FILED IN COURT BY OTHERS (INCLUDING CLASS ACTIONS AND OTHER REPRESENTATIVE ACTIONS). OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO A COURT, SUCH AS DISCOVERY OR THE RIGHT TO APPEAL THE DECISION MAY BE MORE LIMITED. IXCEPTASOTHERWISE PROVIDED BELOW THOSE RIGHTSAREWAiVED. Bledins ArbWadon. This Arbitration Agreement is made pursuamto a transaction involving Interstate commerce, and shall be governed by and be enforceable under the Federal ArbitradonAct(the'FAA'), 9 U.S.C.11-1 B as it maybe amended. This Arbitration Agreement sets forth the circumstances and procedures under which claims Jas defined below) may be resolved by arbitration instead of being litigated in court. Parties Covered. Forthe purposes of this Arbitration AgreementW,'us', and'our'also includes our parent subsidiaries, affiliates, licensees, predecessors, successors, assigns, any purchaser of your Account and all of their officers, directors, employees, agents, and assigns crony and all of them. Additionally,'W,'us'snd'oue shall include any third party providing benefits, services, or products in connection with the Account (including but not Iknited to credit bureaus, merchants that accept any credit device issued under the Account, rewards programs and enrollment services, credit insurance companies, debt collectors, and all of their officers, directors, employees, agents and representatives) if, and only if, such a third party is named by you as a co•defendentin any Clalmyou assert against us. Cfelms Covered. Either you or we may, without the other's consent elect mandatory, binding arbitration of any claim, dispute or controversy by either you or us against the other, or against the employees, parents, subsidiaries, affiliates, beneficiaries, agents or assigns of the other, arising from or relating in any way to the Cardmember Agreement, any prior CardmemberAgreement your creditcard Accountorthe advertising, application or approval of your Account ("Clain fl. This Arbitration Agreement governs all Claims, whether such Claims are based on law, statute, contract, regulation, ordinance, tort, common law, constitutional provision, or any legal theory of low such as respondeat superior, or any other legal or equitable ground and whether such Claims seek as remedies money damages, penalties, injunctions, or declaratory or equitable relief. Claims subject to this Arbitration Agreement include Claims regarding the applicability of this Arbitration Agreement or the validity of the entire Cardmember Agreement or any prior Cardmember Agreement This Arbitration Agreement Includes Claims that arose in the pest or arise in the present or the future. As used in this Arbitration Agreement, the term Claim is to be given the broadest possible meaning. Claims s*ectto arbitration include Claims thatare made as counterclaims, cross claims, third party claims, interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any such Claims advanced in the lawsuit by any party or parties. As an exception to this Arbitration Agreement, you retain the right to pursue in a small claims court any Claim that is within that court's jurisdiction and proceeds on an individual beau. If a party elects to arbitrate a Claim, the arbitration will be conducted as an individual action. Neither you nor we area to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed on such basis. This means thateven if a class action lawsuitor other representative action, such as thatin the form of a private attorney general action, is filed, any Claim between us related to the issues raised In such lawsuits will be subject to an individual arbitration claim if either you or we so elect. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. The only Claims that may be joined in an individual action under this Arbitration Agreement are (1) those brought by us against you and any co-applicant, joint cardmember, or authorized user of your Account or your heirs or your trustee in bankruptcy or (2) those brought by you and any co-applicant, joint cardmember, or authorized user of your Account, or your heirs or your trustee in bankruptcy against us. inWation of Arbitration. The party filing a Claim in arbitration must choose one of the following two arbitration administrators: American Arbitration Association; or National Arbitration Forum. These administrators are independent from us. The administrator does not conduct the arbitration. Arbitration is conducted under the rules of the selected arbitration administrator by an impartial third party chosen in accordance with the rules of the selected arbitration administrator and as may be provided in this Arbitration Agreement. Any arbitration hearing that you attend shall be hold at a place chosen by the arbitrator or arbitration administrator within the federal judicial district in which you reside atee time the Claim is flied, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the two arbitration administrators, information about arbitration and arbitration fees, and instructions for initiating arbitration by contacting the arbitration administrators as follows: American Arbitration Association, 335 Madison Avenue, Roo( 10, New York, NY 10017.4605, Web site: www.adrorg, 800.778.7879; or National Arbitration Forum, P.D. Box 50191, Minneapolis, MN 55405, Web site: www.srbitration-forum.com, 800-474-2371. Procedures and law applicable in arbitration. A single, neutral arbitrator will resolve Claims. The arbitrator will either be a lawyer with atleastten years experience or a retired or former judge. The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless those procedures and rules are inconsistent with this Arbitration Agreement in which case this Agreementwill prevail. These procedures and rules may limitthe amount of discovery available to you or us. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. You may choose to have a hearing and be represented by counsel. The arbitratorwlll take reasonable steps to protect customorAceount information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. The arbitrator will have the power to award to a parry any damages or other relief provided for under applicable law, and will not have the power to award relief to, against, or for the benefit of any person who is not a party to the proceeding. If the law authorizes such relief, the arbitrator may award punitive damages or attorney fees. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a parry. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons for the award. Costs. We will reimburse you for the initial arbitration filing fee paid by you up to the amount of S60 upon receipt of proof of payment Additionally, If there is a hearing, we Page 3 of 6 CMA18103 will pay any fees of the arbitrator and arbitration administrator for the first two days of that hearing. The payment of any such hearing fees by us will be made directly to the arbitration administrator selected by you or us pursuant to this Arbitration Agreement All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fear, lithe arbitration administrator or arbitrator determines there is good reason for requiring us to do so or you ask us and we determine there is good cause for doing so. Each party will beer the expense of the fees and costs of that party's attorneys, experts, witnesses, documents and other expenses, regardless of which party prevails, for arbitration and any appeal (as permitted below), except that the arbitrator shell apply any applicable low in determining whether a party should recover any or all fees and costs from another party. Enforcement, finality, appeals. Failure or any delay in enforcing this Arbitration Agreement at any time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any decision rendered in such arbitration proceeding will be final and binding on the parties, unless a party appeals in writing to the arbitration organization within 30 days of issuance of the award. The appeal must request a now arbitration before a panel of three neutral arbitrators designated by the same arbitration organization. The panel will reconsider all factual and legal issues anew, follow the some rules that apply to a proceeding using a single arbitrator, and make decisions based on the vote of the majority. Each party will bear their own fees, costs and expenses for any appeal, buts party may recover any or all fees, costs and expenses from another party, if the majority of the panel of arbitrators, applying applicable law, so determines. An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction. Severability, survival. This Arbitration Agreement shall survive: (i) termination or changes in the Cardmember Agreement the Account and the relationship between you and us concerning the Account such as the issuing of a now account number or the transferring of the balance in the Account to another account; (€€) the bankruptcyof any party or any similar proceeding initiated by you or on your behalf; and Ini) payment of the debt in full by you or by a third party. It any portion of this Arbitration Agreement is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force. CHANGES TO THIS AGREEMENT We can change thls agreement at any time, regardless of whether you have access to your account by adding, deleting, or modifying any provision. Our right to add, delete, or modify provisions includes financial terms, such as the APRs and fees, and other forms such as the nature, extent, and enforcement of the rights and obligations you or we may have relating to this agreement Modifications, additions, or deletions are called'Changes'or a'Change. We will notify you of any Change it required by applicable law. These Changes may be effective with notice only, at the time stated in our notice, in accordance with applicable law. Unless we state otherwise, any Change will apply to the unpaid balances on your account and to new transactions. The notice will describe any rights you may have with respect to any Change, and the consequences if you do or do not exercise those rights. For example, the notice may state that you may notify us in writing by a specified date if you do not wantto accept certain Changes we are making. If you notify us in writing that you do not acceptthe Changes, your account may be closed (if it is notalready closed) and you will be obligated to pay your outstanding balance under the applicable terms of the agreement if you do not notify us in writing by the date stated in the notice, or if you notify us but then use your account after the data stated in the notice, you win be deemed to accept all Changes in the notice and to accept and confirm all terms of your agreement and all Changes in prior notices we have sent you regardless of whether you have access to your account CREDIT INFORMATION We may periodically review your credit history by obtaining information from credit bureaus and others. We may report information about you and your account to credit bureaus, including your failure to pay us on time. It you request additional cards on your account for others, we may report account information in your name as well as in the names of those other people. If you think we have reported inaccurate information to a credit bureau, you may write to us at the Cardmember Service address listed on your billing statement Please include your name, address, account number, telephone number and a brief description of the problem. It available, please provide a copy of the credit bureau report in question. We will promptly investigate the matter and, if our Investigation shows that you are right we will contact each credit bureau to which we reported the information and will requestthey correctthe report. If we disagree with you after our investigation, we will tell you in writing or by telephone. We will also notify the credit bureau that you dispute the information unless you let us know that you no longer dispute the information. NDTICES/CHANGE OF PERSONAL INFORMATION We will send cards, billing statements and other notices to you etthe address shown in our files. Or, If this is a joint account we can send billing statements and notices to any joint account holder. Notice to one of you will be considered notice to all of you and all of you will remain obligated on the account If you change your name, address, or home, cellular or business telephone number or emall address lit you elect to receive billing statements or other notices online), you must notify us immediately in writing at the address shown on your billing statement We may, at our option, acceptmailing address corrections fromtha United States Postal Service. We may eantectyou about your account including for customer service or collection, at any address or telephone number as wall as any cellular telephone number you provide us. TELEPHONE MONITORING AND RECOROING We, and if applicable, our agents, may listen to and record yourtelephone calls with us. You agree thstwo, and if applicable, our agents, may do so, whether you or we initiate the telephone call. INFORMATION SHARING You authorize us to share certain information aboutyou and your sccountwithin our family of companies, and with others outside our family of companies including any company or organization whose name or mark may appear on the cards, as permitted by law, Our Privacy Policy, which is provided to you when you first receive an agreement and at least once each colenderyearthereafter, describes our Information sharing practices and the choices you have and directions you may give us about our sharing of information about you and your account with companies or organizations wkNn and outside of our family of companies. ILLINOIS CAROMEMf1ERS Illinois low provides that we may not share information about you with companies or other organizations outside of our family of companies unless you authorize the disclosure or urdess the disclosure falls under another exception in the law (such as sharing information to process your transactions or in response to a subpoenal. You herebyagree that, If you choose notto exercisethe applicable opt outdescribed in our Privacy Policy, you will be doomed to have authorized us to share personal information we have about you (including information related to any of the products or services you may have with any of our companies) with companies or other organizations outside of our family of companies. ENFORCING THIS AGREEMENT We can delay enforcing or not enforce any of our rights under this agreement without losing our right to enforce them in the future. If any of the terms of this agreement are found to be unenforceable, all other terms will remain in full force. ASSIGNMENT We may assign your account, any amounts you owe us, or any of our rights and obligations under thus agreemermto a third party. The person to whom we make the assignment will be entitled to any of our rights that we assign to that person. GOVERNING LAW THE TERMS AND ENFORCEMENT OFTHIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF DELAWARE, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF DELAWARE, WHERE WE AND YOUR ACCOUNTARE LOCATED, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE ACCOUNT. FOR INFORMATION Please call the Cardmember Service telephone number on your card or billing statement if you have any questions about your account or this agreement. YOUR BILLING RIGHTS Keep This Notice For Fiore Use This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act Notify Us M Case Of Errors Or Questions Aboat Your Bill If you think your big is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet atthe Cardmember Service address shown on your billing statement Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the fast bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and account number. • The dollar amount of the suspected error. • Describe the error and explain, it you can, why you believe there is an error. If you need more information, describe the item you are not sure about If you have authorized us to pay your credit card bill automatically from your savings or checking account you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us at least three business days before the automatic payment is scheduled to occur. Your Rights And Our Responsibilities Aker We Receive Year Written Notice We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 80 days, we must either correct the error or explain why we believe the bill was correct After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit fine. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not In question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due. If you fall to pay the amountthat we think you owe, we may reportyou as delinquent However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report you to thatyou have a question aboutyour bill. And, we must tell you the name of anyone we reported you to. We musttell anyonews roportyoutothat the matter has been settled between us when It finally is. If we don't follow these rules, we can't collect the first $'50.00 of the questioned amount even if your bill was correct Special Rules for Credit Card Purchases Page 4 of 6 CMA18103 If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to contact the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. This right does not apply to check transactions. There ere two limitations on this right (a) You must have mode the purchase in your home two or, if notwithin your home state, within 100 miles of your current mailing address; and (b) The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. CopyrightQM7 JPMorgan Chase & Co. All rights reserved. Page 5 of 6 CMA18103 ". RATES AND FEES TABLE IThis table may also be referred to as the Table of Interest Charges) Rates (APR means Annul Parcentaae RaUl IntroductoryAPR 0% fixed APR (0% daily periodic ratel on balance transfers and balance transfer checks for the first3 billing cycles following the opening of your account (the 'Introductory Pariodl Purchase APR The Prime Rate* plus 14.99%, currently 23.24% (0.08368% daily periodic rates Balance Transfer/Balance Transfer Check APR after the Introductory Period The Prime Rate* plus 14.99%, currently 23.24%(0.08366% daily periodic rate) Cash Advance/Cash Advance Check APR The Prime Rate` plus 19.99%, currently 26.24%(0.07737% daily periodic rote? Default APR The Prime Rate' plus up to 23.99%, currently 32.24% (0.08833% daily periodic rate) Overdraft Advance APR 13.99% fixed APR 10,03833% daily periodic ratel va-um terns aoove are oases on the 5.25% Prime Rate as of March 22, 2007. Fees and Finance Cheraw ATM Cash Advance Fee -- Finance Charge 3% of transaction (minimum fee of 510.00) Non-ATM Cash Advance / Cash Advance Check Fee -- Finance Charge 3% of transaction (minimum fee of $10.001 Balance Transfer Fee -- Finance Charge 3% of transaction (minimum fee of $5.00 and maximum of $75.00) Balance Transfer Check Fee -- finance Charge 3% of transaction (minimum fee of 55.00 and maximum of $75.00) Minimum Periodic Finance Charge $1,00 (if any periodic finance charge is payable for a billing cycle? Annual Membership Fee None Left Fees: $15.00 if the balance is up to, but not including $100.00; $29.00 if the balance is $100.00 up to, but not including $250.00, $39.00 if the balance is $250.00 and over Overlimit Fee $3909 Return Payment Fee $39.00 Return Check Fee 539.09 Administrative Fear. Copy of Billing Statement or other record $5.00 Page 6 of 6 CMA18103 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ~~~~rtr ~t 4urn~~~~g~7 4 -i.. - l v Y ~~ ~` t ~ 1 y ` w }'~ CyF~a;E P~ FNE ~rERIFF ,., #~ " _ :_~~ _ ;i !r' --r: !may ;,~-; Midland Funding LLC Case Number vs. Betsy Hendley 2010-4670 SHERIFF'S RETURN OF SERVICE 07/19/2010 07:41 PM -Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on July 19, 2010 at 1941 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Betsy Hendley, by making known unto herself personally, at 27 S. West Avenue, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $41.50 July 20, 2010 -~~/ ~-- NOAH CLINE, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF (cj CountySuite sheriff. Teleosoit. Irc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND FUNDING LLC assignee of CHASE BANK USA, N.A., Plaintiff vs. NO. 10-4670 CIVIL ACTION - LAW BETSY HENDLEY Defendant PRAECIPE FOR DEFAULT JUDGMENT To the Prothonotary: y r?3 o 11 Please enter Default Judgment in favor of Plaintiff and against Defendant(s), BETSY HENDLEY for failure filg writWn response to Plaintiffs Complaint. cn rn r ' (X) Principal in Complaint $8947.33 W ? Less payments received $0.00 rr- ? C...? "' - Interest in Complaint $ -0- x* q ? Attorneys' Fees $ -0- rTs TOTAL $8947.33, plus court costs and statutory > interest from date of judgment C'0 (X) 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. (X) Pursuant to Pa.R.C.P. 237,1 certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. ( X ) Pursuant to Pa.R.C.P. 237. 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 his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the date of the filing of this praecipe and a copy of the notice is attached. FULTON GULLACE LLP Signature: David R. Galloway # 326 130B Gettysburg Pi Mechanicsburg, P 17055 (866) 563-0809 Counsel for Plaintiff Attorneys in the Practice of Debt Collection FFG File # 171627 414. oo F'p Al"rY C* 4 3a. 10 E? aye?,sy Noee "d PA/PA_PRAEJD FU LTON FRI EDMAN & GU LLACE LLP Collections, Consulting & Litigation NEW YORK Telephone ARIZONA 28 E Main St., Ste 500 (866) 563-o8o9 2345 e Thomas rd Rnrlhccfcr N-Af VnA-1AA1A Suite 46o Please direct all calls to Tom McCarthy August 30, 2010 Phoenix, Arizona 85016 BETSY HENDLEY 27 S WEST AVE CAMP HILL PA 17011 Re: MIDLAND FUNDING LLC assignee of CHASE BANK USA, N.A. vs. BETSY HENDLEY Docket No. 10-4670 Dear Defendant: Enclosed herein please find a 10-Day notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, FULTON, FRIEDMAN, & GULLACE LLP ? 2 David R. Galloway #87326 130B Gettysburg Pike Mechanicsburg, PA 17055 (866) 563-0809 Counsel for Plaintiff Attorneys in the Practice of Debt Collection Enclosure CC: BETSY HENDLEY THIS IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR AND ANY INFORMATION WILL BE USED FOR THAT PURPOSE. FFG File # 171627 PA PA 10DAYNTC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND FUNDING LLC assignee of CHASE BANK USA, N.A, v Plaintiff NO. 10-4670 CIVIL ACTION - LAW BETSY HENDLEY Defendant(s) To: BETSY HENDLEY 27 S WEST AVE CAMP HILL PA 17011 DATE OF NOTICE: 08/30/2010 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 BAR ASSOCIATION 32 S BEDFORD ST. CARLSILE, PA 17013 (717) 249-3166 FULTON, FRIEDMAN, & GULLACE LLP By: FFG File # 171627 David R. Galloway #87326 130B Gettysburg Pike Mechanicsburg, PA 17055 (866) 563-0809 Counsel for Plaintiff Attorneys in the Practice of Debt Collection PA/PA_ 10DAYNTC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MIDLAND FUNDING LLC assignee of CHASE BANK USA, N.A. Plaintiff V. BETSY HENDLEY Defendant(s) NO. 10-4670 CIVIL ACTION - LAW NOTICE OF JUDGMENT Notice is hereby given that a Judgment in the above-captioned matter has been entered against you as follows: Principal in Complaint Less payments received Interest in Complaint Attorneys' Fees TOTAL $8947.33 $0.00 $ -0- $ -0- $8947.33, plus court costs and statutory interest from date of judgment NOW, a3 " SQf , 20_, JUDGME S ENTERED S ABOVE. Prothonotary/Clerk, Ci it Division By: Deputy I hereby certify that the name and address of the proper person to receive this notice under Pa. R. Civ. P. 236 is: BETSY HENDLEY 27 S WEST AVE CAMP HILL PA 17011 FULTON, FRIEDNKN, & GULLACE LLP Signature: A David R. Galloway 130B Gettysburg P Mechanicsburg, 17055 (866) 563-0809 Counsel for Plaintiff Attorneys in the Practice of Debt Collection FFG file #: 171627 1IN 111111111111IN 11111111111111111111111111111 IN PA/PA_NTCOFJ