HomeMy WebLinkAbout01-2156 Ron Z. Opher, Esquire
Attorney for Plaintiff
Attorney#57507
P.O. Box 2245
Southeastern, PA 19399
(610) 902-0530
FIRST SELECT INC
4460 Rosewood Drive '
Pleasanton, CA 94588 '
' IN THE COURT OF COMMON PLEAS
Plaintiff ~ CUMBE~~ COUNTY, PA
V.
· CIVIL ACTION. LAW
BAYARD W ItlLER and '
JUDY M HR,ER ·
·
117 PLEASANTVILLE pARis ' NO.
NEW CUMBERLAND, PA170700000 .
Defendants .
COMPLAINT. CIVIL ACTION
NOTICE TO DEFEND
against the claims set forth in the following pages, A V/SO
You have been sued in court, ff you wish to defend Le hun demando a usted en la corte. Si usted quiere defenderse
you must take action within twenty (20) days after de estas demandadas expuestas en las paginas siguentes usted
this comp/aim and notice are served, by entering a tiente veinte (20) dias de plazo a/partir de la fecha de ia
written appearance personally or by an attorney and escrita on en persona o con un a
filing in writing with the court your defenses or enforma escritas sas obJecti ~ ~bo~g~ad~o__y_ entregar a la corte
objections to the c/aims set forth against you. You demanda y la notification. Hace fa/la asentar una comparencia
are warned that if you fail to do so the case may
o one., ,, ~,~ uemandas en contra de
su persona. Sea avisado que si usted no se defende, la cone
proceed without you and tomara medidas y puede continuar la demanda en contra suya
a judgment may be entered sin previo avisoo notification. Ademas, la cone puede decidir
against you by the court without further notice for
any money claimed in the corn ...... . a faro
claim or relief re ue p~mnt or ~or an othe r .del demandante ~ ·
lose moue ..... ;q steal by the plaintiff, y,,,. Y_..__ r las prov~siones de
.~u, pro ert r . · ,,umay u ·
YOU SHOUL P y o other rights imo s propnedadedsu o · Usted puede erde
D TAKE TH P rtant to ou tros derech · P s dineroo
LAWYER IS PAPER TO Y-- Y · LLEVE ESTA
AT ONCE /F Y OUR I ~v~~ A UN p a usted
_LAWYER OR r,a~,G;,.,... _ _O_U DO NOT HAVE a __1~_ EDIATAMEN2~ ~, ..... ABOGADO '
TELEP ,--,'~v~a~ AFFORD O ~ 'IIENE EL D .... ox x'~ta-I1ENE ABOG
HONE THE O NE, GO TO OR INERO SUFFI ADO O SI NO
FIND OUT FI~_~E SET FORTH ..... SERVICIO, VAYA '" ..... ~CIENTE DE PAGan 'var
WHERE YOU C a ~,r ,-, ..... BELOw IO TEr r:r~,-,
· ~, ~at:~ LEGAL HELP r:~,~,?~'. ~n.~__o A LA OFFICINA r'r ~x,'",%.~-~Li-~ POR
..__ ~TRA ESCR1TA ^ ...... CION SE
CUMBERLAND COUNTY BAR ASSOCIATION DONDE SE PUEDE CS~S.~,~~.._A_VERIGUAR
2 Liberty Ave ~,.~uxt~ A~/ISTENCIA LEGAL.
Carlisle, PA 17013 ASSOCIACION DE LICENCIADOS DE
(717) 249-3166 2 Liberty Ave CUMBERLAND
Carlisle, PA 17013s
(717) 249-3166
Ron Z. Opher, EsqUire
Attorney for Plaintiff
Attorney #57507
P.O. Box 2245
Southeastern, PA 19399
(610) 902-0530
4460 Rosewood Drive ' IN THE COURT OF COMMON PLEAS
Pleasanton, CA 94588 ~ CUMBERLAND COUNTy, PA
v. Plaintiff .
BAYARD W H/LER and '
JUDy M HtLER ' No.
117 PLEA SANTV/LLE PARIS '
NEW CUMBE~AND, PA 170700000 . '
--______.___~ Defendants .
·
COMPLAINT_ CIVIL ACTION
COUNT ONE
1. The Plaintiff herein is FIRST SELECT, INC., a De/aware corporation located at
4460 Rosewood Drive, Pleasanton, CA 94588.
2. The Defendants herein are BAYARD W HILER and JUDY M HILER, adult
individua/s located at 117 PLEASANTVILLE PARIS, NEW CUMBERLAND, PA 1'70700000.
3. Plaintiff is the owner of Defendants' credit account number 4168100013231111.
4. The Defendants, at all times relevant hereunder, knowingly requested the funds at
issue, and knowingly and voluntarily accepted the benefits bestowed and the terms and conditions
/inked thereto.
5. The ba/ance due and owing on said account as of March 15, 2001 was $13463.39.
A tree and
6. correct copy of an account summary is attached hereto and marked Exhibit "A".
Under the terms of the parties' agreement, add~tiona/.mterest has accrued, and
'continues to accrue, from March 15, 2001, at the rate of 18.00% per annum. A true and correct
·
copy of the relevant account agreement terms is attached hereto and marked Exhibit "B
· .
7. In addition, Defendants agreed to be liable for Plaintiffs actual costs of collection,
including court costs and attorney's fees. See Exhibit "B".
8. The actual attorney's fees in this case are contingent on recovery, at 10% of amounts
recovered before entry of judgment and 30% of amounts recovered after entry of judgment.
·
9. Plaintiff has in all respects fulfilled all conditions precedent to its obligations on the
contract and for bringing this Comp/aim for damages.
10. There is no offset known to Plaintiff on the amount set forth in Paragraph 5.
11. Despite repeated demand by Plaintiff, Defendants have refused and continue in
failure and refusal to pay Plaintiff.
WHEREFORE, Plaintiff demands judgment in its favor against each Defendant, jointly and
severally, in the amount of $13463.39, plus interest at the contract rate of 18.00% per annum
commencing on March 15, 2001, plus attorney's fees at the rote of 10% pre-judgment/30% post-
judgment, and costs of this action.
COUNT TWO
Plaintiff also claims alternatively on the basis of quantum meruit or Quasi Contract.
12. Paragraphs 1 through 11 above are incorporated herein by reference as though fully
set forth.
13. Plaintiff was neither a volunteer nor an officious intermeddler.
14. Plaintiff is the owner of said credit account.
15. Plaintiff expected payment from the Defendants for said credit in the amount set
forth above.
16. The amount c/aimed is the fair and reasonable market value for said credit.
WHEREFORE, Plaintiff demands judgment in its favor against each Defendant, jointly and
several/y, in the .amount of $13463.39, plus interest at the contract rote of 18.00% per annum
commencing on March 15, 2001, plus attorney's fees at the rate of 10% pre-judgment/30% post-
judgment, and costs of this action.
Dated: April 9, 2001
BY .~~ .........
Ron Z. Opher, Esquire ~
Attorney for Plaintiff
VERIFICATION
I, -_qU[: OI::IT[:_ ~ _, hereby state-
·
i. I am an authorized agent of the plaintiff in this action;
2. I verify that the statements made in the foregoing Complaint - Civil Action
are true and correct to the best of my knowledge, information and belief; and
3. I understand that the statements in said complaint are made subject to the
penalties of 18 Pa.C.S. {}4904 relating to unsworn falsification to authorities.
DATED.~
ANN MARIE TARVIN
TC$~ 001 CODE IHB ACCT 4168100013231111 CYCLE 15 AGENT 2401
( 12 MONTH HISTORY ) .... : ................ : ..................... :... ::.. :. :.:...
SCREEN SELECTION ( 1 2 1 4 ) => HILER BAYARD W
CURRENT (01) 03/15/01 (02) 02/15/01 (03) 01/15/01 (04) 12/15/00
~¥~.~ I o ~ o ~1 o
031201 I .00 25.14 .00 25.00 I .00
MIN PYMT ! 269.00 269.00 266.00 524.00 I 517.00
~~H~S~. i 0 0 0 0 I 0
I .oo .oo ..oo .ooI .oo
C~SH ~Dv I o o o o I' o
103100 I .00 .00 .00 .00 I .00
C~.DZ~S I 0 0 0 0 I 0
I .oo .oo .oo .oo I .oo
~xsc ohs I o o o o I o
I 25.~ .oo .oo .oo I .oo
INS FEE I .oo .oo .oo .oo I .oo
LATE CHG I .00 .00 .00 .00 I 20.00
OVRL FEE I .00 .00 .00 .00 I .00
PURC F/C I .00 .00 .00 .00 ] .00
CASH F/C I 868.53 183.39 200.04 197.23 [ 188.25
LIMIT I 1.00 1.00 1.00 1.00 I 1.00
BALANCE [ 13,463.39 13,463.39 13,305.14 13,105.10 I 12,932.87
: ........................................ :.: ...................... :.::..: ..... :
IMPORTANT LEGAL NOTICE
Federal law"~ives you 3n -~ ..... "
o .. ,, uaw rater you receive tllis [cite ' · ·
°mfatihl~n~eubst'a°[v.aS~'..P._ar[~o_f. it.~yi.thin 'that p~eriod, we ,vill ~sgmd~pt~ta~ }~g Vaehd!tS.[.°f..the debt or any art_ of it If you do not dispute the validi
· = . ,.,,,,.= to mar effect on or oe~ore the . d bt ~s vahd .if vou d~ P
venficauon of the d · . . 30th day followm,, ·.. . spute tl~e debt of
) cbt. And if. w~thin the sa ' ~ the date you recmvei:l tN .. any
'rqm fl.~,e..current creditor) we will ,q,,--,~..*. ..... ~e.,p.e, n0{ .v. ou request m wriffn,, . s lettev-?_ve .,,,v~ll obtmrt' it.
part o: in writing-:e
la. il
~ and n tO_ you proof
aeot wi~ oes e "' :.~,,,o,, yuu mm mat affoma o the na.me and addres~ of the o 'o'; tor
usp nded unnl we mml any r ' · _. . non too. If we ilo rector ' · _ ..n=~n:tl credi (if~liffdr.ent
. eqmred mformauon to you e a Umely written nonce, all effort; collect this
$ to
ACCOUNT AGREEMENT
~rg_~[ FFI~sS~ u~UN~SNN aacCcCoO,U,.n,t !.?~ be,_e_n_~tr~__sfer(e.d to Fi[st Select._ Credit Reporting. If you. fail to fi.~ll the terms ofyour .c. redit
~- -,~= c,u~ea ar the nme of this transfer oblization, a neg!~five ored. i.t report reflecting on your credit record
· an~t will therefore continue to be closed Thi . mav"be submittec~, to a crectit reporting agency, Ih order to dispute
· ,c, ontmns the terms that ,, v . · s Account A reement
Account"~ In ,',~,- ,,._='p.~_rn_yo,,~ F,~rst Select a..ccount t~e am,-' information we are reporting ab,om vour:^ccount, you must
who is lialJie ,.,.,, ."xgxeemen[, you and "your- mean (es _write to us atthe followi_'ng address: Fir/t'Select, P.O. Box 9104,
· for payment on the Acc , ,, ,, ,, ch erson
mean F~r · ount We our ,~ ,, Pleasanton, California 94:~66. .
st Select or ~ts' ' · , , and us ·
Cnrcqu g 'o 'V our
instead of FI~S~ UNIONn°~tgb, hxg_ate_.d__t9 repay the A. ccount.to us
· ~ ,,-xucounr was op. enect as a 'olnt
account, we may act on the irlstructions of any joint account holder: an ' Bank
Payments/Finance Charges .As long .as you have a balance YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE
0utstandinv on ,,our a ....... ·
,, ., ,-~,.,.~,,.u,, nnance charges are calculated as
follows: . -
oT~Sr~ti-'c-e--c,-q,n.[,ai'ns im. po~ant, t.' .mfo_rmatio_n about your fights and
To figure the finance ~harge's for each .billin,, cycle we multiply, the ~lOO~l~mumes uncter me emr Credit Billing ACt
average daily balance on your account 0 a ~' ' ' Notify lis in
~daily p. eriocffc rate we ann]-,; .......... ~_y____,hir. y p~riodic rate. The Case of Errors or Questions About Your Bill
v ~ ,o yum .'.t~;count s ~,a.nnual Percentage Lf. you think your bill is_~,wong,, or if you ne · '
v, ate divided bv 365. '~e 24.nnhii Percents e Rate will be
calculated, as disclosed in your most recent ~s a~out an entry on · ed more inform
terms (the "Ori i ,, T t.r~oN acc . y_our bill writ - anon
· nal Terms If o · · ount
different Ann. t~ Pe ).. y ur Original Terms rovid f,.,ol!gYang ad&ess' First S~'lect ~ uns' on a se arate sheet, at the
9a. tiforma 94566' Write to ,,:~ :-.:':'---B-°-x 91 ~4,,P. leasanton,
comnonents of rcentage .Rates_ t_ob_e applied.to ~'C~ere ed for ' · -,, ,** ~uon as possm~e. We must hem.
such', yo.? outstahding balance, we will a nt . ~:rom you no later than 60 days after we sen
Annual Perc,.ntage Rate on your entire outstaiP~ysthe lowest.whicli the error or m'oblem a ...... .., t _you the first bill 9n
,.. balance, ctoing so win not pfiServe You can telephone us, out
iWe may accept late or ' ' ·
n full.'"' . parnal pa . e.nts, or a e ,, ·
or _nmrked w~ other re~c pym nts__._m~ked, p. md In the letter, give the following:
collect all arno '. .cuons, wttliout lo~m our us
unts owing under this A g . n nt to
Select to ay o .. greement. You ma ·
~ y ur Account b debmn . y askgl~n, st -" .~eUr.,_n,,a~ e and A.ccqug. t number.
account ~ · Y . g your checkin ·
· .. rst Select will first ve . . . g or sa,an s -'- uouar.amount o:t the su~ected error.
this servace You rify your ~denta antt eli ' '
· may revoke our auth ' · .. g!.bxli~ for -- A description of the error ancl an e I ' . ·
Select Customer Service. Y °nzanontYby wnung to F~rst why ,you b. elieve there is xp ~_auon, if possible, of
deshSb¢ me item you area~no~t~i ~tu°~. need more mtormafion,
~es.. We.will char e your Account a fee fi
w~thin which our ~ · . or each billin ' c Your Rights and'Our Responsibilities After We
Y ccount ~s dehn ue · .cy le
of the late cha~ · . q nt (late char e Written~otice
· ge will be as discloseil in · 'g ' ~l~e mount Receive Your
ma:umum late char e · your Ongm~ Terms
g o you, me_s we
· vet ~s lowe,. -' . the e. rror or e.'mlain Why :~[ l~ii~ve~ &K u~.a.7,s.,.._w_e must enher correc
_(r.e.~ed c_heck 'churl
wm ae as disclosed i~ ' · · remmea cnec~ c
t your On nal Te . narge s. We can a 1 an . n, .ilingTmance
, . mis, or the
rem d p tte by the of you r te yo, .or ave t0PpPlyy c e Ut
residence, whichever ~s ~ower. otm que~on ,.,,.,--~,,,.,u to pay me parts o~ the bill
To the extent provided in your Ori 'nal
ermined by a licable 1 ' . Terms and to the extent
~ . P aw, m ad[~Uon to your obi' · If we find that we have made a mistake on your bill, you ',viii not
.e outstanding~alance on your . xgauons to pay
_disclosed her_em~ we may al' AC,,,count, ~usj_nterest .an.d fees is have to pay any finance charge related to .any quesuoned mount
_w_e_ ~_c3~_,' including but hot ~?mCihte~Y-°~u..-~-r-~ax},_Y _c.o.l_lecfi.o,n costs . we did not'malce a mistake, you may have t
and ou will have to " -- o pay finance char e '
court costs If,,our Ori,-4-,,., .,,..._ ,~,?laox¢ aaorn s fees c~u~s~oned mount ~,e~p. ~e__rrg__s_sed ayments on the g s,
,ttor ' t e /m" .... p :ov d d fo,: · ,,,e will end ou -'
· -a. u ,,.um-t coStS, such I~ · · d of
m. re.m shall a Iv r ' p ov~s~.o.n as taco orate the mount you owe . . y a statement ol
tnsin .. emprocally to the revailin,, rp d .
g out o~Pt~s Agreement. P = party m any lawsmt .the mount ht~ ~ ,.~A~_ cl_.~e _date that n ~s due. If you fail to
flow.eye, r, if our e.w,lhJ,.,~'~,.u-w~--w-e_m_.ay r?.p~ort you as_ delinouenf-"
Non-Waiver of Certain R/ghts We m Us within 10 davs'~[l~'fi~,,"',¥~,~.c~._n_°_t~.a..us~,.YoU and you '3~ite'io
e.nforcement of,,,,,, .... .~...' .... ..... ay delay or waive
anyone w .., . ~, ~.,a uxa~..you st4.11 remse to ay, we must tel
right to enforce ~t or ,, ,.,,~, ...... _._A_~,eemem without losing our. tell o e report you to that you quesuon our ' ' -
anyone w .on you you to. W.e .m.m. tell t
wlien i.f fi , is ' l.f we"5'-"'~ua-?Jq!xuer--lias been setued t>eavee,,
collect th~ t $30 of ~'~uT.?-['[°-u-0,w mese roles, we cannot
u,,~ uu~au~nect mount even if your bill was
l.ppli.¢able Law, Sever'.ability Assi_onme - 'e re~
,,..t~. '.s,__A _~eern. e.nt anct your ]k~cou~t arfi,,t;..~°-rn~a~er-w, her.e you [nalr~
v.~ .m=_ mw o~ ~e state des;,--,,,,,.--~ --~-r~-':"-~,~.~=u. py.mctera, t mw: firi
· ~:-,[~ a~ me appucaale law in your correct.
· ungma, t'lerms IfvourOriginitlTerms ·
appIicable law ~rovfsi,,- ,~,-... ,,.-' __ _did n. ot contain .an Speci.,d Rule for Credit Card Purchases
~gverned by federal '-;,'?" "'~" uus Agre__e_rnent_ .and your _Acco
1' ' , . 1,,w and the law of' our . unt are If you have a roblem with the uali of,,
_ ~s A~eement ~s a final ex ..... ,.._ ..~,__ _state of' re. s3dence, yoh pm-.c.has, eapwith your ~'ms ty ood_s~ and servic, es that
ann us and may not be cont~c[i"~t~'~'lY. 5~e_a_=_?_ee_~ent o.e?ee.n you!n gooct faita to corrict me ,-,ro~b~~m°~c,r,-e~t-card and you nave tri~
. - . . . ,~.uy =vine.ncc oI any. a.u. egecl. 6ral nave to ay the r · . v _ ,,,,m me merchant, ou
a~eement If a provision of th~s a~.eement ts held to be ~nval~d or P emmmn amount . y .may
unenforceable, you and we ,,viii consider that ro
conform to ap.~!icable law o-a ,~,, ~2v~.sLon .mo..~ed to There are hvo limitafionsgto this ri~l~,e- ?~'-~.~-~0°d.s .or servm.es.'.
^°reement will stil ,-,,,~ ,,,,. rest of the prowsmn ~n th purchase in your home state or, if ~0t"~iat~v~u must nave macle
ri~t to ~ I be eiit~orceable. We may n'.an .e i, vith~.'n 100 ~fiiles of your o,,-,-,,, ....,:,:__ _ your ho.me_ state, .
~ . all or some of' our a s£er or ass~fl'n our
recmve noti - Y p merits. If sta[e law re ' = purchase price must-hav,~Z~.t'Z'~'_~n?,_u§ a.d.d)ess.:_ and (b the
.... o .. ce of such an even[to rotect . qmres ttiat vou not a Iv if ei · ,. ~,, ,-ore man ,50 The )' ·
assGne,., we may oive P. th.e. purchaser or the' .._ ._ t_pp .... tl~er we or FIRST D%'Ir~xt ...... 2'__ . se. hnutat~_ons
statement wi ~,W;,.,,~guos_u__c_l! nou~y.fihng a financing m we or Fins ~m~n.,,~-.,,~.~.~ ...... ,---,, ,,:,- ur operate me
tl~ .... o,,,,~ = ~ccretary o~r aitate. ,-- · .-. ,~,~ you me am,'ertisement for fl~e p'r"c~l~e'~
or sen'ices.
Customer Service For general uesti
Select acco ' ons re ardin ·
~..~.~o .... _u.n.t_.please call our tol~-free serv' ~your F~rst
maybe moni;orec~ or record~5'~ ~c*cpaune cmos to or from our offices /i' :./" .~._.~.-_-: ~ ~.,_-:.!~