HomeMy WebLinkAbout10-7477
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ui,~MgERl.AND BOUNTY
PENN5Yt,VANI~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs.
SCOTT DOUGL HALDEMAN
Defendant
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
08789563 C A Pit CXC
0.~ ~g885a~
IN THE COiJRT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs. Civil Action No
SCOTT DOUGL HALDEMAN
Defendant
COMPLAINT AND NOTICE TO DEFEND
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 any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER. LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
.. _, _~,_,. COI~4PLAINT
1. Plaintiff, DISCOVER BANK is a corporation with .offices at 6500 NEW
ALBANY ROAD NEW. ALBANY OH 43054 .
2. Defendant is adult individual(s) residing at the address listed
below:
SCOTT DOUGL HALDEMAN
30 SPRING GARDEN EST
CARLISLE, PA 17015
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXX5937 .
4. Defendant made use of said credit card and has a current balance
due of $3770.18 as of October 04, 2010 .
5. Defendant is in default by failing to make monthly payments when
due. As such, the entire balance is immediately due and payable to
Plaintiff.
6: Plaintiff is entitled to the addition of interest at the rate of
18.9900. per annum on the unpaid balance from October 04, 20'1Q A copy
of Plaintiff's Statement is attached hereto, marked as Exhibit "1" and
made a part hereof.
7 . Plaintif f ~ a:vers• that the Agreement between the-parties prov{id~es-- ~•
that Defendant will pay Plaintiff's attorneys' fees.
8. Plaintiff avers that such attorneys' fees will amount to $125.00 .
9. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay .the balance due to Plaintiff.
Wherefore, the Plaintiff prays for Judgment in its favor and
against Defendant SCOTT DOUGL HALDEMAN ,individually in the amount
of $3770.18 with interest at the rate of 18.990% per annum from
October 04, 2010 plus attorneys' fees of $125.00 and cost:.
~ ame s c: .
WELTMAN,
436 Seven
Pittsburg;
(412) 434
FAX: 412-
08789563
This law firm is a debt collector attempting
our client and any information obtained will
mbrodt,42524
NBERG & REIS CO., L.P.A.
Avenue, Suite 1400
PA 15219
55
-7130
Pit CXC
collect this debt for
used for that purpose.
DISCOVER
New Balance Minimum Payment Due
50.00 5732.00
Payment Duo Dais
October 25, 2010
30 SDSN6A01 0006307
SCOTT HALDEMAN
30 SPRING GARDEN EST
CARLISLE PA 17015-7104
Account Number ending in 5937
Enter Amount Enclosed Below
~~
Go paperiess and make your account
infortnatlon more secure wdh passvnord-
protected statements only you cart access.
learn more at discovarcaNpaparkss.
PO BOX 6103 (Ilrrsll"rrrllrllrrslrull
CAROL STREAM IL 60197-6103
Address, e-mail or telephone change$ Irllnllruurl~lrluimlr~~ruulll~nurllrl~rrurl~n~n~l
Go ro www.Diseevereom or print change in space above.
00000198645826161864500DOOOOOOOOD000073200
paN: SapNmber 12, 2010 - Cbsing Daly:
Discover Moro Card Account Summary
Account number ending in 5937
Provious Baksrx:e 53,770.18
Payments And Credits 3,770.18
p~c~ + 0.00
Baksnes Transfers + 0.00
Cash Advances + 0.00
IMerat Charged + 0.00
Fees Charged + 0.00
Nsw Ba nee •~
See Interest Charge Cakukstion section following
transactions for detailed APR inforrnafian
.mbar 3U, 20 w peg. r a ~
Payment Iniorrtation
New Boksncs 50.00
Minimum Payment Dw 5732.00
p~.~ pw pate October 25, 2010
tale Payrrrent Wamirg: If we do rat receive your minimum
payment by the dale listed above, you may taw M pay o kite
fee of up M 635.00 and your purchase and bokxxe transfer
APRs far new hansacfions may bs increased up M the Penahy
APR of 23.99% variable.
Nkmago Your Aa:ount Onl'Ine at www.Discovor.eom
• Securely acceu afotemeNs and free online Mots, pay biYa
online and track and view all ironsadiona simply and cosily
• Make your money worth morel-find easy ways M earn
-----ondtednbnsQ;shrcvraxd,+---------------------...------
• NEWT Access your account seeunly through your
mobile phone
3 Easy Ways to Contact Us
1. Access your account securely a vaww.D'aeavw.cem
2. CaY 1-804DISCOVER ~1-804347.2683
Please haw your Diacover~card oust
3. WriN M us at Diuovsr f'O Box 30943,
Soh take City, UT 841 ~0
For TDD I;Telscommunicdions Device for R+e DeaF)
assisMnce, please call 1.800.347-7449. ~4
r"• .
Crodit Lins 515,000.00
-rodiFUr>.Avadoble------------------------50.00•-
Co~h Advanes Credit line 57,500.00
Cash Advance Credit line Available 50.00
CQ k BOnUSe Annivsr:wry Month
April
Opening Cashback Bonus Balance 5 0.00
Nsw Cashbook Bonus This Period + 0.00
Cadrbeck bona, belarsce S 0.00
To learn men, log in of www.Diecovercom
Transactions Trans. Pest
ow. oat.
p~h ~d r;Mdiy Ssp 30 Sep 30 INTERNAL CHARGE-0FF 5 •3,770.18
Twe TOTAL FEES FOR TFbS PERIOD 5 0.00
._-C_y~ar~-----------------------TQTALMIjEREST[4R?l~..------------------~--- -..Q'~------
2010 Totals Year-ro-Date
TOTAI FEES CHARGED IN 2010 5 259.00
TOTAL INTEREST CHARGED IN 2010 592.59
8~~A~t Charge Cakulation
Your Annual Percentage Rale (APR) is the annual interest role on your account.
~~ECi TO
ANNUAL PERCENTAGE
~~E bdTEREST CHARGE
IN
ST
Cumnf bi7lirg Period: 19 Boys RATE {APW
p~.,0e 1 e.99% So So
Cash Advances 26.99% 50 50
V =Variable Rate
Additiond lmpertont Yrfwmalion
ImposiosN Intormsstlon. N tlrrs is more then one page b Ihls billMg slolemMr, see the back of each page for oddWorwl Imporhnl inlormaHon
Continued on reverse side. DI~y~VGR
r
k, _+~,
Set your Cardtssesnbar Apswmenf. Your Cardmember Agreement contains aN the terms of your Account
Lod w otters cards. Report immediotelyl Caw 1-800-347-2683.
FiYleeR ie De K rw ilsirek rw FIn1 A Athddse Ow root SMemewd
N you ddnlt Mrere b on error on your ssolemmd, wrlM b us at Dtxover, PO Box 30421, SoR lake Ciy, UT 841300421.
In your krrM, give us the foNowing irdotrnaNorr
Account irramotrar: Your tame and account number
Doha amowrk Tim doNa amoud of the wspaclad error
Description d ProbMm: N you Mrkrk there b an errs on your bIN, dexrrb who you 6slMve is wrrurg and why you believe R b a mbbb.
You roue oaths! a whin 60 days abet the error appeared on your abMnM.
You must nesiy us of ory poMrNai errors m wrrTing Yau may caw w, bW iF you do we oro rqt rpuirad b invesligak any poMnrial ertors and you may haw M
pay Mm amount in qundon
Whds ws imeYigaN wheMrer or not ttrsro hoe been an error, Mw IoNowirg are cue
Ws cannot by b eofMct Mra amount in question, a roport you as dellpueM on drat amount
The charge in gwalbn may rennin an your abmmeM, and we may cordkrw b chorgs you inlereY on Mrd amount 8W, N ws deMmkm Mrd we made a
misbb, yw W11 not haw b pay IM amowN in queston or arty intsreY err dhH Fee ralaMd b Ihd amount
WIr1e you do nw haw b pay M amoum to gwaNon, you aro rosponsbls For the remainder of your baance
We can apply arty wpaid amount agairot year credit IimB
re. ttl81M. MYw An DfswHsRd kYMs ree- 6edM Gerd Perrbeeee
N you aro dissaNsited wRh the goods or servkn dal you have pwchaNd vvih your crerA card, and you haw hied in good faRlr ro correct the
probkam with the merchant, you may haw Mw right nor b pay MN rarrrakrbtg omouM dw on the purchase
To uN Ihb right, aN of dw following mat 6e Inm~
1 The pwchaw must haw been made to yaw home sole a wflhN 100 mNes of your cuaanl maNkq addrw, and the pwchoN prks muA how
boon mac than s50 (fVafK McNher of these oro naceswry N your purchaN was hosed on on odvmtieernad we maMad b you , a M vve own
the eompony Mat sold you the goods a services. (
2 You must haw used you credR card fa the s+urchoN Purchasae nods wHh cash advasrcn ban an ATM a with a chock that accesNS yow
___________cre.lk ~ar~~c~wnfdo uiil quoy~____.__________.____________. _.____________..___._.____ __________ _. _. __..
3 You must nw yN how lolly paid for drs pwchow
N all d Mm erberio above ere met and you aro atBl disso8sfmd with Mm pruchaw, eonbd us in wniing a Dixowr, PO Box 30945,
Sdt lab CNy, UT 8/1300945
WhMe we MvastigoM, Mw some rota apply b dw disputed amount a dixussed above AfM we Bnbh our tmestigoYon, vw wdl teN you ow
decision A< Mat pakU, 8 we Monk you owe on amount and you do not pay we may spat you a deRngwM
Paysssasls. Send only you payrtmm and Mrs rrsp por8on aF this sbtemeM to dm emebps provided. Do not nerd cash By serrdkg y~ cheek m descrbed
'. above, you auMarizs us b u» irriorrnattar on your check b nrob an ekrckonk bed sandw from your accowe a the feanctol ins indicated on yow
cheek a b pra:ess Mw a a cheek honeaclion M payment 6 poeeswd a on ekresonk fund bansbr, Mm bonsMr wW b• for Mm amount of the cheek.
When vre uw inforraolian hen yow eMck b mob an eksekorie ford bander, funds may bs wWrdrawn from your aeeormt os soon as Mw wine day vw receive
your payment, and you wiN nw reeetve yow check back From your Rnancbl ins8hdion
T~ Pr~d^8 ~ Your IbYn»nt e1ry be daksyed N you send cash, carosporrderrce a other Berm w0h yow N Nnd Mw paymad b anY other
aidreu a R you uw an enwlgse whet then dm one provided Paymenk received in proper Form al au oe~by SPM lad Nets on cry day wRl
be credYed b yow Account a of Ara day Payrnenh received w our pr«e~kr~ fa:Mpy alter SPM lord tlme wr7 6e eredMed b your A«oum as of Mr nerd
day N you have mtsploced your envelope, sand your payereM b Di+cover, POlox 6 t03, Card Sbeom, Il 601974103 PIeaN aNow 7.10 drys br delvery.
IF your pryrrmM is returned unpaid, ws rosarw Mm right b rewbme M a an sMebonk debit
You can pry your minimum poymae a a greater amount oar Mm wlepltorm, and you can sN up aubmalk payrrmnts Cow a a 1A04347.2683 You wiN
need Mds slotsrtmM and yow book occouM irdormtdfar You must croon Mtot sulfktent fords aro availoble in yaw bark xcores, and all konsaeNorrs mat
caspiy wNh U S kw You vriN 1» osbd b povids Ars RrY 5 digit of yow accormt stekmerd ZN cods By enNrNg MroN numbers os yow eke-ade
stgraluro, you will be agreeing b thts authaimRon b aNow us and yow bark b deduct each pay~M you aWhai» from yow bank auead. and b brMUs
debR a erode enhies b your bank account, a applksdrls, b career an otter M Mre pra:essing of wort poymmd You muW MN w MN amount of each payrrrerd
or you can Nlect an arraunl wch a Mre Mirrkrrwn /aymerd Dw a Mrs New BaMrres on oath stelemenf You can cancel a prymeM, however we muN receive
rrorice a Mad Mmes buskwss days M advance of Mm xlredrAed payment You nay noeiy w by phorw d 14!00347.2683 a by mow a the address Nerd b dw
pprrevious parograplr N your payment vary to amount, vse w8 tent you on each monthly araetrrent when your poymmd w8 be made and how much R wg be
Yaw auesmaic payment amount maybe Mess than kwRcaled on tM monthly sbremeM bawd on crodb a prywds applied during Mm bMCrrg cycle.
Cfedf ReporNnB. Wa rnoy report krformation about your Accamr b credR bursaw tae payment, robed pryment, a oMmr defaubs on yow Aeeount
may be relMebd M your credN report Wa ra.maNy report Mm sblus and payrrmra hisbry of yaw Account b credit reporting agencies each month N you
bekew Mrs au repon h rnacewaN a mcarpleN, alwN wriN us w Mm Following address Discovr, PO Box 15316, WNmrngson, DE 198545316 AwN
indicate your name, address, bane teMpirars rwmfmr and Account number
Paying Isslensl: We begin ro impow hrrerou Chagas on aN tronsackons tom rb TransxNon Dots for Mm kansaelian shown on yow biWrg sbr.manr,
aloe a traeeacden b poYed b yow AceouM abet Mm ebN of dw bdlkrg period in whkh M ottws, in whkh cow We b ""PDte interest charges m thw
bansacNon Frain Ma RrN day of the MTerg psdod in wMeh R is goad b your Account We carRnw bm~N Mterest C uMli Ilr dale Yau PW Your
enliro Never BaMrrn shown on your 6r3irg. sbMMrM by makbg paynrnls a receiving credNs N you paid Mm New Balance on yarr prevkws biNhrg slolerrmM
by Mr f~yrrmnr Ow Dotes shown on Mat b8ling sbtemeM, wa wiN nolmrpae MMeY Chorgas on trww purchase, Ihat is, pwchaNS lint opparkg on Mm
cturent WFg slalerrmM, a ay portion of a rNw thaw, paid by Mm Paymm~r Dw Dale on your cubeM bd8ng slorsmsM We caw Ihis~tb grxe pesbd' N
b rat Mss than 25 dogs Thsro is no gran perod o~ir balance kanden a ea:h adwnces As roan fully dexribed in Mm seNbrr o~f yyoouurr Cordmemlmr
Agreerrmnl MMed'How We Apply Paymm~b,' we genwoMy apply paymeets b AccauM bawd on Mrs APR applkabM b dre baMrei of each eonsaeNotr
category ills means Mat N do not goy Mm New BaMna an Mw cwreM Lig sbtenmrd by tb Ibyrrmnr Dw Dale shown on Mrat bdCrg slatenmM, than,
dependkg an the amount oF~yow paymew and 1M APRs on odor 6aksrrees, You may not gN a grace period on new pwchaNS.
MinislMem IntereeN Charye. We wRl shags you a mintmrrm Inmrsst Charge of S SO Mr cry a8n9 period in which lydersst Charges d Mss Man f 50
W WId oMmrwlN b• Imposed
Asweesal /ee. N yow Account ha an onmrd Me, d wiN be billed a Mmb~p~y~ d each annherwryry yea your Account b open TM atnaunl d the Fw
appears on Mm ebMnsN when Mw fee b bRksd The annual fee is nw nlserdaWe _unMa you nwNy a Mrw you wish b eksN yow Aeea+M within 30 days of the
madirg a delivery dale of the abMnenr on whkh dw Foe b baled You aril revive Ihb robed own M you uw yow Card during Mrw period.
Now ylle Cakulale Itsfensf Clsa~pee • Daily 8alans:e AAMhod (inelss~rrq crarrerM trartttadiam): w. Piguro krrerosl Charges Fa each bNlkrg
period To do dris.
We eakukata your Irdsresf Charges seporalely for each bobnce subject b dN6er«e Mme (br erssrepM, sbrdad purchases, sbrdard cosh
advances and each pasha», Fralares banshr and nab advame bdasce wFyeet ro pranodonal Mme( Wa rent b MmN boMncm a
baruaclbn odegerrMs
Wa hguro iw'doMy baance' for each transactkn eaNgory To gN the'dady balance' we rdm Mm andng baMrrn For each day. odd cry
raw baneac8ont and tees and any krMasl Charges accrued on lb prevbw ddea~s dally haknee Ws tiatr attract airy eredRs and paynwm and
make odor odjusbwres (ineludirg drove ad(rsdment rpuiredn Mrs NCNdI sild'Paykrg lnterosl') M cakulaMng Ma dally baton a( Mm Poet
day of Mw 6Mlkrg period. wr consider tFm'previous dayb dady balance' b haw been your baance on Mm kd day aF your prwbus biNtrrg
period TMs gives us the dolly balance Mr each rronsacdon category
We figuro des IMeroN Charges on your AeeeuM by mulHplyirg des dally bokeree for each Transaction catsgay by ib dolly periodk role, for each
day in tM hawing Period
2f ~r:..:. r rbre..
_ -- - -'' : - " ~.«' - • "wygssior lt4e ~4.:n§ j3itroC are Itte i~37"..T~te w ~~ e,~er3.'Cka yasla"'aachiransacYron cat8$o7yiaaath-O'oy-~uflrrglkdf - - - - - - - -
hawing period
When are cakukaM lalonces, vin add a new hansxlion a of dm Transaedon Doe shown on r b'Ning ableamre, unMu des hansac8on Is pared b
yyoouur Account abet Mrs a of Mm 61Rrg period m which 8 «ews, in whkh eae the nansaeian ail 6e added b Ihs dilly balance a of dm Rd dry of Ihs '
biyirg period in whkh k b posted b your Aeeowt. A8 fan charr~edd ro your Account oro orlrled b 1Fm stondord pur~haw tronsaedon eatagay with Mm
axeepsian d Cash Advance fees whkh oro added ro the applka~bM cash adsoncs eamaeMon category and Balance TronsFsr Fan whkh aro added b tM
appNeabM boksnce bansfer tronsxtbn calegay.
Fel~ fee: 2%of the U.S doNa amount of each purchaN made in a Foreign currency.
Penally APRb Each lime you fad ro mob o ptsymmd when dw, we may, in aecordonce wish applkabM ksw, (i( MmtnoN dm awilabNly aF arty
inbaduebry/promdiaal AFNIt on new hansacdons, and (ti) incwoN your APRs For new kansaetiom b variable Psndly APRs wrhkh will he daNrmined by oddkrg
up b an itiaral 5 percentogs poinh b drs odrerwisa applkabM APR Your Penahy APR is deMmkwd bawd en yow eredRrvarMrinw and other foebrs such
a yow cwroM APRs, and your account hisbry N your APRs for new sarsxttons ere incraosed for a ku. poymmd, the Panahy APRs will apply indeBreYely
For TDD (Teleeanmarnieafierw Devioe (a fire Deotf) asaMMna, plwse oaN 1-800-347-7449.
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Oixowr may monibr and/or record MMplram cabs behvesn you and Dixovar repreeenbtiwa fa gwlity auurarrce pwposn
Tlm Dixevar®eord is issued by Dixowr Bonk, Member fDIC O1TBK172
VERIFICATION
The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to
unsworn falsifications to authorities, that she is Natasha Szczy~iel _
(Name)
Legal Placement Account Manager of DFS Services LLC ,plaintiff herein, that
(Title) (Company)
she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint
in Civil Action are true and correct to the best of her knowledge, information and belief.
WWR# 8789563
Scott DOUGL. Haldeman
6011002120285937
?F}ILED-10F?'rv
T t" %. _
5 n -, ,
T ! 1,.. 1 ?rN10!k
-1011 FESS 14 P 3:21
WELTMAN, WEINBERG & REIS CO., L.P.A.
BY: Benjamin R. Bibler
I.D. No. 93598
436 Seventh Avenue, 1400 Koppers Bldg
Pittsburgh, PA 15219
Phone: 412.434.7955
Fax: 412.434.7959
File # 8789563 DFO
CUMBERLl;r• 0 ("'O NFI
Attorney for Plaintift(s), PPNNSYL ti?''?? ?'
DISCOVER BANK
vs.
Cumberland County
Court of Common Pleas
No.: 10-7477
SCOTT DOUGL HALDEMAN
PRAECIPE TO DISMISS WITHOUT PREJUDICE TO REFILE
TO THE PROTHONOTARY:
Kindly dismiss the above matter without prejudice to refile.
By
WELTMAN, WEINBERG & REIS CO., L.P.A.