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HomeMy WebLinkAbout01-1744VALERIE ROSENBLUTH PARK, ESQUIRE Attorney I.D. #72094 PARK LAW ASSOCIATES, P.Co 25 East State Street P.O. Box 1779 Doylestown, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF CUMBERLAND COLTNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS. PAUL T KOHR Defendant NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CAI~NOT AFFORD ONE, GO TO, OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT W-HERE YOU C3tN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE, PA 17013 (717)249-3166 (800) 990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT. A_NY 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 DOYLESTOWlg, PA 18901 (215) 348-5200 ATTORNEY FOR PLAINTIFF ACT#:4428003001184506 CU~BERLAI~D COLTNTY COURT OF COMMON PLEAS PROVIDIAN NATION~,L BANK 295 MAIN STREET TILTON, Nlq 03276 PLAINTIFF VS PAUL T KOHR 755 STATE ST # 2 LEMOYNE, PA 17043-1537 DEFENDANT 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, PAUL T KOHR, has a mailing address at 755 STATE ST # 2, LEMOYNE, PA 17043-1537, 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 4428003001184506. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 4. The Defendant requested an account, account number 4428003001184506, 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 $4,789.52 as of 01/06/2001, plus pre-judgment contractual interest at the rate of 21.99% 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 $814.00. WHEREFORE, Plaintiff demands that judgment be rendered in favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the Defendant in the amount of $4,789.52, plus pre-judgment interest at the contractual rate of 21.99% per annum from 01/06/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $814.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. COUNT 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 by the Defendant. 10. The Defendant accepted the benefits. 11. By virtue of the circumstances surrounding the request for funds made, the Defendant knowingly requested the funds at issue THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED 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 $4,789.52, plus pre-judgment interest at the contractual rate of 21.99% per annum from 01/06/2001 until the date of the judgment herein, plus reasonable attorney's fees in the amount of $814.00, less payments made, plus costs and any other such relief as this Court deems reasonable and just. PARK LAW ASSOCIATES, P.C. BY: VALERIE ROSENBLUTH PARK, ESQUIRE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. VERIFICATION H AIHER K00REMAN , 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, in t~e St t of Cal' ornia. Date Designated Agent PROVI DIAN F#Jancial EXHIBIT Providian National Bank VISA~ or MasterCard<< Account ~Agresment for Paul T Kohr uecember 1, 2000 ~lease review Mis document and keep it ~ your ,o,.t, her important p. ap~.. rs. This A. ccoun, t Agreement cgntain.s the term. s,. ~w.hich ~]o. vern y, our, Provi.di,an N.a~i,o_n~! ank V SA or rv]estarCa~ Account [the Accoun, ) The ACCOUnt a ows you to ,maKe pumnases Dy Using your V~,~ qrjv~as[a..~a,rd carojtna wherever it is honored an(3 to (let cash advances tram us or any ofherpart c pat ng ,financial instituti,,on a,nd fr.o,m. Au,t, omatao lo(let ~lacni.nes. ,(Jonvani,ence checks may also be p. mvidad'[o vou as an additional way to use the ACCOUnt. n tnis Agreement, :you an(= )'our' mean each person for whom we nave opened a ci'edit card Account. "We,' "our," "ours," an(~ "us' mean Providian Nationa BanK or ts ass gnees, as .sled on your bng statement The Account may ~ used only for pe`rson,al, famdy,.l~ou, sehdid, and,c, hadtab, le puq~oses, a,n.d, not for any business or commemial purpose, Any use of this Account shall constitute acceptance of the ran~s olmis Agreement, YOU ano we agree as )mows: Pay .m.en~. You will receive a. monthly s. tate.men`t showing,you[ .outstanding balan`c,e. Paym. ent on this Acc. o~nt is..mqu!.r~ in U.S..dgllars' (checks mu.st be p,3yao[a at a U.S. office of the Dank the ChecK is omwn on).ror at ~eest the payment cue as .snown on yo, u[ stat .~nent Dy me payment. (=ue.,~te ~.n accorga~e w~ pa,.yment instructions on your monthly ~tatame.nt. Thelback of your statements shows tne ru[a,s we tollow, when we L~gst payments. ~pnvem(~,nce CheCKS and other checks we ssue to you may hOrDe useo to make payments on your ACCOUnt or to maKe pa ,ymenrs on a. ny omar account you ha .ye .with us or our ,afl a. tes ..The payme`nt due will be. 2% of the. .n.e`w ~lance sho,.wn on your,at.ateme`,pt p.l.us ,the a.m. ou~9] ,any. past cue payt,, e~t anq re, ay i,n, cluog,t,he, amg~n.t Dy wn ch me new balance exce6os your cra~ t ne. How, ever, tne p.,aymen[(=ue will no[ Da ~e.ss man,,] o [,unless ye.q[ new oa~ance ~s lo.ss re,ap ,~3 o, I.n ,wnlcn case the payment due will be the amount of the new Da anco), r your ,A. cco,u, nt s past .ou,a or aog..y.e m,e c.raqjt ,ne we. may requjre q n~gner,mjnLm.,u,m pay.re.., ant, bm we w ocli.fl/you ~.fors doing so. If your paym,em is more man [ne payment oue~ it wi, ~, ,[~;eata~ a.s a, sin. g~e p, ayment.a.n,(= none, or it app led t~ futu..ra payments '.due.we may a~ot.late or papal payments, or paymenrs marked paid in ru.- or marKeo mm omar restrictions, without ~os~ng our right to collect all amounts owing unbar m s Agreement. F[nan..c~. Cha. rg.es.. Excopt, es das. c~ .b~d,in the Gin. ce P..eried fo.r..~.um.h, as.e Bei~nce,sectiRn of this Ag .mement,.,fin,a, nce .charges..beg[0 tq a..ccm, e qn,a debit wnan it ~s InClUO~eq. in one ct your ~a,y Da[ances ano con~nue until [n~a[ Dalanca is. reauce3 Dy a payment or. craqj.[., tour ~Acco, unt n.a,s rna,to,owing Dala~cas: The Purchase Balanca,.which c,,ons~sts of your exsting Pu~hase uaen~ an,(= naw,purcnases you make mtn your ~;aro a, nq tees,rot c.erta[n optona[ services; one o¢ mor~ L;ustom (Jesh Advance Balances, wh~sh consist~ o! bamnces [nat you transtar to your Account using Da~ance transfer checKs eno balances that we. tranaer rot you.; an0 ,me'(Jasn Aavance ualance,w, hlch,,consi,sts or,,all o[her.,ca,sh adv,anc,e§ a,n,cl c,,ash,,a~anca t,r~,,n~ction f~s,, Any, Eayment amount ~e_ receive Dar exces~s toe t~nance..cnarge~,, an.,o tees me,,n. ~ue w~, 9r(3na.my~ app....e3 ,~l~t. to tne. ~a~ance ,wljn [nf~ ~owest Aqnpa ~'ercentag.e.,Kate (APR,), until that Balance is zero, and men to the ~a anco win tne next lowest/~1-'1~ until that ualance is zero ano men to any remaining ueiance.we ressn/e [ne dght to apply payments differently without further notice. ~ha .Pumhase. Custom Cash Ady, an~, and_C.esh Advan,c,e, Bala.nses a,ra re~uc,ad by pa. yme.nts as of the, d,atff rs~..eived ~d bY cmd~ its. a.s 9f the da__te, posted. urcneses are included in your r-'urcnase ~alanca as or me date mace, uus[nm cash a~vances am incluoeo In your ,,Justom uasn Aovance ua~ance as fo ows fqnds e~ron cal[y t,~nsm ttad to o!her I.e, ndars t~ tr,an.sf.er balan,,~s, as of,th, p date tra..nsmitted; ci')ec'ks !.o tn~nsfer, b. elan,.c.~ as of .ti3P dat.e p. rasented to us. Omar cash a~ances ara inc~u(~e~ in your ~Jesn Aovance ~alance as rot~ows: cesn a~a.nces tro~ o.[ner tin,ancla~ jnsti[~ons eno mrougn Automated Tel ers. as of the date made; cash advance, checks made .paya, ble to you that am idantifieo as ca~s.,h~er§ c.h. eCKS ,anq, mai!~d to yq,u at, your ~rS~lqest. _as .of .seyen days af,,'t~er.th.e date we.,pdnt on the,c.n, eck; ,all other c, ne,.qKS, as o.f the date pr .~.nt.e`d to us._um, er deb~its .are in,,clu.Dag tn your ~'um. n.,a~, ~ustom (.,~,asn Aovance,or L;esn Aavance Balance as or tneoara posteo. ~-~nance cnar~.~s are ao~e(= to your !"u.m, nase, uus[om .k;asn Aovance..an(= Ges.n Advance ualances eecn day and ara then posted on the last day of the billing cycle. ~ nera is no grace benDa mr custom casn advances or otner cash advances. ~ao figu.m th,a ~ilyfinaqce charg,e fq[ each .tyP0..of I~ .a. lance, w..e start,with )'9.ur previous day'~s ,Bal,.a.nce., add all,debits,and su.b!ract aJl.,c ,r~dits fpr .!he cu~nt y a.nd multiply me net amou,,nt Dy [ne al3Dl~CaOle nnlly ..be, noOlc rate (see IOllOW~ng paragraphs), ina nnance charge tor eacn type o~ Balance ~ men aoeeo to a, nd, ~ncl,u,d/~'jn th,at ~y's,ueianca, Wb ,trpat a c, ,r~c~t baJa,,nc, e for ,any day qs zer.,o,..'V,V,,,~ ~,t,.ermine the total fi~.a,n`ce ,cha~es =~na balances rpr ,the b01in,q .cyc e Dy aou~ng tggemer me tinance char. gas.. tor eacn type ct ua anco ror each pay w~m n m,e pmg cycle. ).n.. ca~cu~e.an,g ti.na 3ce c argos,. an De .maqe` for. ~,ny tr~osa...ction, or, paym.ent ~at woq{d hay.e. ,afl,ted ~e .fina,n, ce c,narcje caloulatJqn`.)p a pdqr eill!pg CyCle n..a~3 it pae`n ~,st~ in !~al .cy.cle. ,T, he app~caD[a Da~ly peno~c rara for SUCh a [ransacnon wu~ Dame rate ~n ensot [or me current Dining cyc[a ramer man tne rate in enact on me Date or [ne .r s~!en~....n,t nc .uq~s aq ,.average .da. ily .bal. ancff for ea.c,h ,type of E}.a. tance.. Ygu ca~n.mu!tiply ~ch ,ave.rage daily bala[~c.e ~at is not,zero by th.e .number, of .[.ri me ei~ling .cycle an(= q~e paTiDaic rate to ob[a. Jn SUDtOtajs,~ an(~ men ago t,ne SU,D. tO[alS toga[nor to oetermine your total nnance charges on balances tot blmng cycle. If a cash aovance txansection fee ~s charged, [nat amount ~s a~se a nnance charge. T~ term 'Pdm..e Rate' as used n ~e Agraen)ent me.ans th. e,,highest pdm_e.rata publ she~,, n. the ,Wail.Street Jou, mal o.n ~e first .busine. ss day of the prav[gus. ca enDar monm. Any ncraase or ¢egraase ~n the Annua wercentage Kate will take er[sot on [ne tirat day or your ei~ling cycle an(3 may rasult in a s~lght ncraase or decrease in the amount of your minimum payment. The ANNUAL PERCENTAGE RATE (APR) for purchases is 5.99%. corresponding to a daily pedodic rate of 0.01641%. You .can ,arrange to. have a.va.d .abl.e. A?R (not belpw 5.~)9%),for c.u§tom ~sh adva...nces .that. i~.lower.tha, n..the weighted .average. of the noQ-introducto.ry APR you nave Daen.payj,n,g,,gn me to[aI balances .v.~[ nave [ransrerrao trom omar c .ra~. t cam,, rem, ano ns~a ment accounts prowDa~ your omar accounts were g~f)n in Decem~r'2uuu. th calcu~ati.ng this AF, K ~ w, ill tak,e into ecc,ount the APRs on me credit account bqlances you hare trans~erred.frorc o~e~en~rs. This ,AE)~ is..a, yeilable 9,nly.if you.pmv, j,q'[e prggr, in the rd~r~, ,or cogi~ pr you,r ..m..cat rec.en,t b..illing statame.nts, so.owing your 9tn~r .npn-in`,tro~..ucto.0/A~'I~,S. ,YOUr new A~K W~a De y_adao~,a. Daeso O.n r~nme. ~ara an(= w~J.~e errect m me D~mng cycm m~mw~ng o~r review or yo~.p/R~t, 0.,~.~g,~.er_[D~D,tne,. on(= ct your courtesy pednd. Itwe co not recave SUCh proof your A~-r~ for custom cash aovenses wilt be as follows: The ANNUAl. I"~I~G["I~I I R,[Jl;; ~ I I= for custom cash aevances is 21.99%. con'esponding to a dai~y pedodic rate of 0.06025%. The ANNUAL PERCENTAGE RATE for cash advances is 21.99%, corresponding to a daily pedodic rate of 0.06025%. If we. receive. ~Z_~_r ,A.~cgunt payme.nt l,ate 2 qr ..rnore ~im.,as in any, ~m~,o~n~ ~,L~,,dod..o.n. each su.ch ~_curr,e, nco w.e may incraase.the .APR for purc,hases up to.a maximum or Z;~.~% (corresponging to a Dal~y pe`nDaic rate or u.uo,~r'/ol, an(~ increase.me Aw~ ~or cash aovances ano custom qasq aot.ances u.p to max~rn,u.m ,of 23..30% (c,o.F~s~on(~ng to.a, daily periodic, rate of ,0,.06384%). ~t aft.er you rec_~v.e the h,[gher rat,es your paymepts.ara rece~veo 9n time~,,an(] you meet a~ omar terms ct this ;~graement rot ,~ consecutive mon[ns, you may con[act our customer ~erv~ca Dapanment an(=, at your request we wm review your Account for a possib e APR reduction. Gu.race P.er!od for. Purc.haee. Balance..New purc~ses pos,ted to yqqr .Accouqt i,n .billing ~yq!.e`s with po p, raviou.a, belance~ or when. the previous, balance was ~ ypa (= (3~Jfing me cycle, (=o not I:~gin to ncur g nnance charge unti [ne star[ or me next'l~i ng cyq e. You w pay no t~n~ .r~e` cnarge on sugn new. pujcnases if you pay ~ mta. I new ~ a,nge in, fqll by t, be payment due ,date shown ..o,n yqqr statement., New p,urcl~ases poste<3 in any other bill~ng cyc[a incur a rlnanca cnarge, and tnera is no panDa in WhiCh sucn purchases may De repa)o without incurring a nnance charge. Fees ~We rpay charge y~r A.~uof $0 for;.. ~ch .Card you, ask us, tg....mplaca;.eaq.t~ [etu .m.~ paym.ent; ea.ol) ch.~k you .w[i, 't.e on,your, Accqunt ~gt,,.w.e retu .rn unpalo each stop payment croat or ranawal or SUCh an oroer;, each p.nng cycle W~mln wnlcn your ACCOUnt IS Da inquen[ t~ara charge); an(= eacn pilling cyc a (Continued on reverse) (5846-0698) 4428003001184506 0184 226 z~ within which your balanp, e exceec~.s your gredJt line (ove.riJmit feq.), ev..e`n if, your,,~,,ccgunt is.close~.. If you.,r~uest copie,.s,of, billing s.tatement~.that w.ere fi.re, t sent to you mom than [nme monms ean~er we may cnarge a nano~ng rea or~,z tar eecn sucn co£,y. ~t you request tnat y~e, maKe pa ,y~..en.t.,fram.your pe..rsona ,ch,eck ng ,accqunt, we m..ay.charge your cre~i! c.ard .a. ccount a fee of $4..~o..for each request. Th~s tee is a ~m~N~,,- ano it will apply regardless or whether tunas am available in your personal cnecKing account to maKe [ne payment. fiWe may che.rge, a tmnsapt, g..n fee of 3~ (minimum $5), wh. ch ,s a one-t ,me. F NANCE CHAR.GE, on the am. oun`t of ea.ch cash advance, includng cash from nancia~ institutions, ana A I MS, Wire tmnsrers, money oraers, lottery tickets, casino gaming cnips, aha sim ~ar transact one. DefaulL You .w. ill, be in ~fault: if any inform{~tion you p.ravidad, us Rmv. es t.o be ,incq~p[ete,or uptrue .i.f..yoq ~. nqt. comply with, any pal~, of t,hJs .Agreement;. upon.your aeam, aenKruptcy, or nsolvency; ty~)u aa not pay o.mer aeo[s wnen .ope; it a De.nE .mp, tcy, peucon ~s tll...ea Dy ,or .a. galns[ you;pr IT we` Dellave In. goua mith mat you may not pay or ~rform your dbligations un~r tnis Agreement. It you am ~n aeTau~t we. may, ~mq. ut Turmpr ,,aemano gr ,noace, c.a,nce, y.,our cred t pHv egos, dec am your Accoum ba anco mmed ate y due and, p. aya. ble~, and.. u,sa any .mme,_ay we m~,ay nave. Ln me, .e.~en.t or your .aereurt,, me outsta, Dding ~alance on your Account shaft continue to accrue interest at me AI-'~(,S~ (]isclosea ~n me Hnance [;narges section or mis Agreement, even IT we have Tded suit to collect the amount you owe. Cr~i! ,Line..Y. ou.r. credt pes specfi ,ed fram time to ti .m.p, ina. sapa. rate nptice..Your mo.n. thly s~tements show your ,c. ledit line ap,d the a .m. qu. nt of yp.~r available credit, we may increase or aecrease your creak ~ine Dasen on in.)'orma, tion we co .~a. inea Tra.m you or. yqur c,r,~lt r~. orqs. 'r.ou.r a.v.mlaole crqol[ IS normalty the difference between your credit line and yo~r Account bala.~ca {)nclu..ang. trensa.c..tJo,ns mage or a.utpo.nzea o~ not yet pe~..[e~, qyou sa. ne.us a argo .~...yrn~. nt check, we may limit your available credit while we COmlrm mat me. c. neck .wi.' c ear. ~-or cane n Fansacaoi.3s~ .avallap.)e cma tmay De less You wi31 hot use your Accounf for, and we may refuse to honor, any transaction wn cn woulo cause you to excsea your available chair. Promis. e to Pay. You p.ram[.ee to pa.y us w~.. en due, al[amounts bon'o.weq wl~en yo.u o[. sqmenne ,else u.sa your ,A~ount, (e. ven. i!. th.e a,m~ aunt charg~. exceeas your perm ss on~, a other [rensac[ one an(] cnarges to your ACCOUnt, ano COllection COSTS we recur inclu(]lng,,out not ilmlma to, reasonable attorney's fees and court costs. (If you win the suit, we will pay your reasonable attomey's fees and court costs.) Cha. nges.~ A.[ter we p~r?vida you a. ny no, tipe r~quired by l.a.w, we m~ay chaqge any p.a~ o.f. this..A, greqm.ent and a..dd o.r remo¥,e require,ment.s.. If ~ c .h~ng,e m,a. ae[o [ne ~-m.~nce ~Jnarges section or mis ^gr.~ment, me new Tlnanca charge calcu~aco[I W, lll a~oly [o your entre. Account aelance Tram tne e~ecuve cate or t~e change. C..han,qes wrll apply to balances that include items posted to your Account before [ne date of the change and will apply whether or not you con[ hue to use me Account. .F.o,[eill n..Exoh an ge/C.,u r renoy C 9nvem, l,on. ~fyouu~eyourC~a~fqrtran~cti~n.sina~currepcy~th`ertha~n`u~d~[am`thptmn~saqfi~nsw!~bec~nvertedt~ ~J.~. aoua~, generauy using eimer a (i) govemment-manda~ea rate or [ii) wn(~eaaje ..m. arKet rate in ~. et.t, me clay amore [ne transaction is process.ea, m.creasad. Dy [nme percent (3%). If a c .r~g. jt is, sub .,s~quen. tly grv,e.n for a t.rans,a.ction ~t will.be dac_rea ,s~:l,,by ma same, pemeq~ge. The c.u .rlency co.n.ve .m.~o,,n mt,9 asea on the conversior~ date may amer tram me rare m e~ect on me oare you usaa your L;ara. You agree to accept [ne convenea amount m u.~. dollars. - i~he Ca. rd; .Cancell~fio. n. You may cancel your, credit.p, rivil.eges at any, tirade by no.tJfying us in w.n. ~t, ing~and,das.tmying the,..Card({s). Upqn the.Card e`.xpi~op at e eno or [ne manta snown on it, we reserve me ~gnt not to renew me ~;arg. we may conch me (Jara an(] your cma~[ pdw~eges at any time a~zer ,~u aays notice tq you,, or without notice if per~. ~ed by law ,'[.f y.o. ur Card is can,ce[lea.or not mn.ew~ finance ch. arg~,and o. ther fee`s ~11 continue to. be assea,sa~, payments will cant hue to b~ due, aha au other app~icaDre provi~ions or mis Agreement wi~ remain in eh'eot. It you terminate your creait p~vileges, or ir we cancel or do not renew the ~Jard, you may no longer write cheCKS on your Account, and you should destroy any unused checks we have ~ssuea to you. Peru. anal In. fomatton; Dpoumonts You will pravi..de us at. least 1.0 ~ys.ngtine if you, change yqur name, ho.m. e or .m. ailing, a, ddre~, teleJ?horje num..bets, emp~o, yment or income, upon our request, you Will proviae us aaaitional t~nancim intormacon, we msarve me,~gn[ to adman in~orma§on ~ram o[ners, in, c~!udi,'ng qred t reporting agenci.as~ and t,o pm.vida y~r a..ddress anc~ infplTnation...aba, ut yo.u.r Accgunt to .~e`m ~e may al.so, .sb.e.re nfo~atio, n w th o. ur arabia, tee However, you may wdre to us at any time j,ns~ucting us not to snare cma [ntormation with our en~liates ir you aa not ~u ~ your co gations unaer this Agme[nent, a negative credit report that may re~ect on your credit may be submitted to the creait reporting agencies Customer Service; Unauthorized Use, Lees, or Theft of Checks er the Card. Each Card must be signed on receipt. You are m.aponsible for .safeg.¥a~ing ~p Ce`rd, your ,,P.e. rsonal Iq~n,tifisation N_um.be. r.{"PIN',..which pravidas e`~e~s to A~tom, a.t~ Teller Machin~),an ,d any c.h~ks i.ss.ueq to yo~ ~rom [ne~, .an(] Keep ng your r- N eapa..lete tram your L;ara t you c~scover or su.spec[ [nat your ~Ja,,rg,, ~L~9[ any unueaa cnsoKS ale OS[ or eta er~, or [nat them., m..a.y ~e an un...au .morized transaction ,on your ACOo. unt, y.o.,u will prom.@tly n, otif,j U..S. Dy .c,alli ~,g..1-~u-9,~-./.z2~l. Sp we can imm~a, tely act to I .m,l[ loss,es an(] uaDmty~.you w ~ pnone us even [nougn you may a~so noa~y us n wncng You wi not ae ~ aD e tar unau[non;~ea usa .~. cumng aerore you noary us or a Io~ pr ~he[[ I~ you report or we,,su.sp~:t unau,,th~:e~l, u.ee o! your Accou. p.t, we m..ay.su.spend..y.our ,cm~i. 't privileges until w~ re. solve the p.mblem to qur saa.s~ac~on or ~ssue you a new (.;am. ~r your ~Jara ~s lost or sto~e,n, you wu~ prampay Des[my au cnecKs m your possession, lO ~mprove customer sarv]OS ano security, you agree that your calls may be monitored or recoraea. ~aerCheat Rel..~i. erie. We wi not be ab e f any pereqn or Automated, Te I.ar Mach ne,, refusas.to honor the.Card or ac .c~)~t your ch._ecks,,or fa ~ .to .ret,urn. the, rd to you. we have no res .pensibi fy. for gou~ aha services pumnasao with the (.;am or ChecKS except as ~ red by law. [;sea ~.pecia/r<ure De ow.l C,e..rtain 6epefits that.am av.ailable withme A~count am provided Dy third-party vendors. We are not responsible for the quality, availability, or results of any at me sauces you cnoosa to usa. ..St.ap Payment Ordere. f you wish to. stop payment on a check, you.may sand us a stop pa',',',',',',',',~n, e`nt ordar by ,writin~ to ~s at our add[.eas for costomer eerv[.ce Listea on.your .s~atemen.t. You ,can m. aKe a .stop pa.,yn), e,nt or .~. rom. lly ~y. calling .the pun-,3er.~s[ea on, your .s~teme.~t. ,VVhe. n you make a,s.tap pa~/n]ent prae[, you must p.rowae your ACCOUnt numaer ana %Oec~T~C ~ntorma[mn about[ne checK: me exact amount, [ne aate on [ne checK, me name or me ~.rty to whom w..as pay,aD,e, the n. ame` of,the ~.~q who.signed, it, a.nd ~e check,.num,.ber..Y, op .will be a.skeq,.to .cgnfirm ,an o. ml stag, pa .yFlent or, er in.writ.lng. W.e ma.y alsrega..ra your oral oraer IT we ac) not recave a sl{3nea ya'lt~en conT!rmaQon wI, F~ln two wee~s aFer [ne or~ oraer, qr it we pave not reee[ ,v~a an aaecluate da~. npti.'on of.the tern so tha!.gaymen, t ~n be sto{:[o~l.. Th, e` orde`r will not be e~e`ctive if the ,che~,.k was ppi(]b~( us I~. ~om we nad a reasona~e opportunity to ac[ on [ne oraer, we may, wimout liaDi ity, c~sregara a writren stop payment oraer six man[ns ar~er receipt umecs it is renewea in whting. thSteaen`dard of, Care. Becaos,.e,th`is.A. ccount inv.oJves bo~fl cr~lit card,and, ch~k_tran, qctior~.s..which ere. p~.~ th.rough saparetp natio.na .s.y. stems before. .tran~aqpons are conso~iaatea Dy US, an(] Decausa no[ every cnacK cna L;ara slip Will De sent to us, [rsnsactions in your Accoun! will De p .rq~e. ssea mecne.nlca, lly wither our n`eceasarily re~.a, wi. ng eveJy it.em.. Oqr p, roca .ssing .system vt'ill colt our.atten`tion to cer[a., in [t .ens which we wi / exam n`e wow .axamln.e` al~ .cr~,.,nsacuons wnan you ~ mat y,our.L;ara or cnacKs nave aee.n, lost or stole~., we cio not inten.d, ordjDari~y to. ex{~mine all items, an(] we. will not ~ negllge,nt ~t we .do.not do so..T, hls rule e~ ..t~blmhea the sqn~ of. ordinaJ:y ~m which we, n g ..(3~. fal~ Will e`.xem~ee p.a.(~m n sted.ng your Amount qeca,u~ at our I~mitea review, aha necauee nmtner your canDellea CnaCKS nor Lam transaction slig,s ~11 be retumea [o you Wire [ne mon[nly statement, you snou.~(] De ~arefu, I to enter a. ct~ec.ks in your c.h.eck r~gister, or othe .n.~iee keep a ,reco~ of ~,em You s..hou .d a ,so save yq.ur credt card c~sh advance and pumnase slips. YOU agree to cnecK your mon[n~y star, moms against your recora and to notify us immeaiam~y or any unaumodzed transactions or errors. Waiye.r o.f ,Ce~a,l,n Rights...We m.ay .delay or .waiv.e e. nfome .ment pf .any pm. vision, o..f ,this Agreement. wi,tt),out. I.osing p.u.r r~g.h.t to enfo. rce it .o.r .any other provision later. You waive: me rigm [o presentment, oe~.mane, pm[est, or notice or dishonor, any applicable statute at limnations; cna any ngn[ you may nave to require us to proceed against anyone before wetde suit against you. KA~aPllc.able. Law, L .Sev. erabillty; .Aseign ,menL Nq ma~e,r where you !lye,. this Agreemqnt and your Ac~qunt ale g..ovpm, e`d by. f.ederal Jaw an.,d by .New. mpsn~re La, w. in~s ,~g.memen~. m a T~nal e~,qmssmn at [ne ag, .moment aetweeq you ano us and may qot ee contra.a~:tea Dy .e?Dence or any m~eg .eq .agmeme`n,.t. ~r any p.ro~slon of. this Agmp. me. or ~s held .to .b.f~ i .n .v.e`~d or u, nenfo, m. ea.b!~ you. and w,.e will cop.sider that prows[o,n .m. (~.,ifl.ed to conforrri tp apphca,ble. aw. .a.n.a [ne rest or [ne praov~s~ons q .me` Agrea.ment wm. sti De en~oreeea e At any time after we aqrermm, e n gaap Ta tn mat any Drc~sea or enactea eg~s aaon, regulatory action, or iud c al aec s on nas mnaered or may render any material provis one or th s Agreement nval d or unenfomeab e, or impose PROVIDIAN Fin_ancial any increased tax,..repg, rting r~quirement, or other burden in connection with any such .provision or its enfomement, we, may, after at least 30 days notice to you, o,r without notJca if perm tt~d by aw, cance the Car( and your Cred t privi ages We may transfer or ass gn our d, gnt D a ,I or.s, ome o..f your payments. If state ~aw reRuires that you receive notice of such an event to protect the purchaser or assignee, we may give you sucn notice oy ming a tinancing statement with the state's Secret~ry of State. Notices. Other notices to.you shall be effective when deposited in the mail addressed to you at the address shown on our records~ unless a longer notice period is specified ~n this Aareament or by law, which bei'iod shall start upon mailing. Not,ce to us shall be mailed to our address ~or customer ser~ ce on your statement (or other adSresses we may specify) and shall be effective when we receive it. YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE. This notice contains important information about your fights and our responsibilities under the Fair Credit Billing Act. Nt i~l, tify..Us in Case of E .n'or~ or,Questions Abou,.t.Yq~r ,B, ill.~ !f,. you,.thin, k your bill is wrong qr if, y,qu n. ee, d more information a.b, qut a,,ny ~'ans. a, ction.on your .w, me.us on~.a~epara, r.e sneer, at the address lis~eo tn rne ui#ing t~ighm ~ummary on your Dill. Write to us as soon as t~ossiole, we must near from you no, tate, r man o,u oays after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your riqnts. ~n your letter, give us the fol~owino information: - Your name and Account number. - The dollar amount of the suspecteo error - Describe the error ai~d explain, if you can why you believe 'there is an error. If you need more information, describe the item you are not sure about. ~yo.u ha. ye authofiz .ed us to, .pay your.credi! ca,,bill a,utomaticalJy frqm.your ,checl~ing ~qcount, yo.u can ,sto.p !he, payment on any amount you th nk is wrong. o stop the payment, your ~ener must reach us mrse business (]ays earore the automatic payment is scneeulea to occur. Your .Rlgh.,ts and ,Our., Res~.e.n.,~ibi~li~ti,es After We R..e~e, ive Your Wr/~en No#~ W,e mus,t a,.ckno.w, e ,dg,e, your etter, w t.h. n 30 days, unless .we have correc[eo me error Dy tnon. wi[nin ~,u ~ys~.we must earner correct the error or explain wny we believe tne Dill was correct. Aner we receive your letter, we ca, nnot try to, collect any ,amount you ,question, or report you as, delinq.uent. ,We can continue to b yo.u. for !he amqun,t you question, in.c~udir~ .finance cnarges ano we can ap.p y any unp. aia amount against your creoit line. You oo not have to pay any questione(] amount wn~e we are investigating, out you are still obligated to pay tfie parts of your b that are no[ n quest on. If we find,that we made a mistake on your bill, you will not have to pav any finance charge related to any questioned amount. If we didn't make a mistake, you may nave to pay finance charges, and you will have, to make up'the missed payments on th,e questioned amount. In either ca,s,e., we will send you .a. statement of the amount you owe and the date that it is oue. If you mil to pay the amount we thinK you owe, we may .mpp.. rt you as oe~inquent. However, ir our e.~planatio,n ,,doe. s npt set sfy ¥oq,and ypu wdte to.us with n fO days telling u.s th,at you still m,,fuse to pay, we must te!l a,,nyone we ..mpo,rt yo,u to that you, quesson your Di~l. /.tno, we mustte~ yqu tne name OT anyone we r~portad vou to. we must ta ~ anyone we repqr~ you to tnat the matter nas Dean settle(] between us when it finally is. If we ddn't follow these rules, we can't collect the first $50 of the questioned amount, even if your b was correct. hSavP~e (~1 R, ~,/e for ,C..r~/,, it. Card Pq.~has~,., If yo~,h~ye a pro~, le .m with the qua!i,ty of ~e p~:~., rty or s .eryises that y, ou, pumh.a, sed with our credit card_,and you ,nave,.[n~(] in go(x3 )'.al[n to, c.o ,IT, e,c, ! [ne prod em w~m me memnan[, you may no[ nave to pay tne remaining amount oue on me gco~s or s~rvices. /llere are two nm~[ations on tn s d(]nt ia) you must have made the pumhase in your home state, or if not within your home state, witl~in t00 miles of your current mai ing addle, ss; ,and.(b)-the.Rum,hese pdce, must have be~n more than $50 These m tatons do not appy f we own or operate the memhant, or if we ma eayou me aeveracament ~or me propa~ or services. Send m7 VISA Platinum card as soon ~s pos~'ble. [ bare read ~he Account h3fo~zr~ion on ~ back o£~he letter. Paul T, Kohr 207 N Ca.the. rine ~t M|ddlet~wn, PA 17057-140~ h,Jlh,,llh,,,hM,,,h,,Ihh,llh,,,ll.lh.l,.I,,MI $.~9 % Fi~ed Rgte No Annu~! Fee Crcdlt Lines ~p to $50,000 1828N7 - 82.8-75245-001 I-8 This invltation expires: De~ember 20, 1999 828-75245-001 I-8 YtOOO Reference Number: 198448371 Box :3222 Year : 99 Batch : 36 SSN : 198448371 I I SHERIFF'S RETURN - CASE NO: 2001-01744 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PROVIDIAN NATIONAL BANK VS KOHR PAUL T REGULAR CPL TIMOTHY REITZ Cumberland County, Pennsylvania, says, the within COMPLAINT & NOTICE KOHR PAUL T DEFENDANT , at 1036:00 HOURS, on the at 755 STATE ST # 2 LEMOYNE, PA 17043 PAUL T KOHR a true and attested copy of COMPLAINT & NOTICE Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon 18th day of April by handing the 2001 together with and at the same time directing His attention to the contents thereof, Sheriff's Costs: Docketing 18.00 Service 9.92 Affidavit .00 Surcharge 10.00 .00 37.92 Sworn and Subscribed to before me this ~ ~ ~ day of ('~,. '~ ~1 A.D. ~/ - So Answers: R. Thomas Kline 04/19/2001 PARK LAW ASSOCIATES By: Deity ' ~/ 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: 755 STATE ST # 2 LEMOYNE, PA 17043-1537 4428003001184506 CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS PAUL T KOHR Defendant NO.01-1744 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 $4,789.52 $814.00 $389.55 ($0.00) ($0.00) TOTAL $5,993.07 PLUS ADDITIONAL COSTS I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT ~ IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this Praecipe was mailed or delivered to the party against whom judgment is to be entered and to the attorney of record, if any, after the default occurred and at least ten (10) days prior to the date of the filing of this Praecipe. A true and correct copy ~.t~7?~t~ea~th~e~n~l~~cedure VALERIE ROSENBLUTH PARK, ESQUIRE Attorney for the Plaintiff AND NOW, ~ ,~O , ~6,~9/ , Judgment is entered in favor of the Plaintiff and against the Defendant by Default for want of an Answer and damages assessed in the sum set forth in the above certification. PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED T~IAT 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 I HEREBY CERTIFY THAT THE ATTORNEY I.D. # 72094 TRUE AND CORRECT ADDRESS IS: · PARK LAW ASSOCIATES, P.C. PLAINTIFF: 295 MAIN STREET 25 EAST STATE STREET, P.O. BOX i779 TILTON, NH 03276 DOYLESTOWN, PA 18901 DEF: 755 STATE ST # 2 (215) 348-5200 LEMOYNE, PA 17043-1537 ATTORNEY FOR PLAINTIFF CUMBERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS PAUL T KOHR Defendant NO. 01-1744 NOTICE OF PRAEC1PE FOR ENTRY OF DEFAULT JUDGMENT TO: PAUL T KOHR 755 STATE ST # 2 LEMOYNE, PA 17043-1537 DATE OF NOTICE: 5/9/01 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED OF YOU 1N THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. Be 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, 4th FLOOR CARLISLE, PA 17013 (717) 240-6200 PARK LAW ASSOCIATES, P.C. BY: ~ VALERIE ROSENBLUTH PARK, ESQ. CCi THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. EXHIBIT V~LERIE 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 T~AT THE TRUE ~ CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 755 STATE ST # 2 LEMOYNE, PA 17043-1537 CUMBERLAND COUNTY COURT OF COMMON PLEA~ PROVIDIAN NATIONAL BANK Plaintiff VS PAUL T KOHR Defendant NO. 01-1744 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 PAUL T KOHR, Defendant is over 21 years of age; that his/her place of residence/business is located at 755 STATE ST # 2 LEMOYNE, PA 17043-1537 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 am~rfdments. ~alerie Rosenbluth Park Attorney for Plaintiff EIO VALERIE ROSENBLUTH P/LRK 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 T~E TRUE AND CORRECT ADDRESS IS: PLAINTIFF: 295 MAIN STREET TILTON, NH 03276 DEF: 755 STATE ST # 2 LEMOYNE, PA 17043-1537 CLSw_BERLAND COUNTY COURT OF COMMON PLEAS PROVIDIAN NATIONAL BANK Plaintiff VS PAUL T KOHR Defendant NO. 01-1744 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: IX] 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. PR~THONO~A~. Y .-~ PURSUANT TO THE FAIR DEBT COLLECTION P~TICES 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.