HomeMy WebLinkAbout11-0195fi~.Efl-flf'FlCE
OF TN~FROT~ONOTARY
1 f 9 ~~~
2011 ~_ ~... ~ ; , , 1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs.
PATRICIA A NAILOR
Defendant
No: ~~~1'I-1 J ~~~' ~ l"~~"'1
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
08857794 C A Pit CXC
D Pia"'`
k y9a~p° ~~g-
~C~.~53 `~1~~
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs. Civil Action No
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
COMPLAINT
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:
PATRICIA A NAILOR
609 MOHAWK RD # 1
NEWVILLE, PA 17241
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXX8611 .
4. Defendant made use of said credit card and has a current balance
due of $3135.99 as of November 03, 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
13.240a per annum on the unpaid balance from November 03, 2010 A
copy of Plaintiff's Statement is attached hereto, marked as Exhibit
"1" and made a part hereof.
7. Plaintiff avers that the Agreement between the parties provides
that Defendant will pay Plaintiff's attorneys' fees.
8. Plaintiff avers that such attorneys' fees will amount to $125.00 .
,. r~l.noucxh 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 PATRICIA A NAILOR ,individually in the amount of
$3135.99 with interest at the rate of 13.240a per annum from November
03, 2010 plus attorneys' fees of $125.00 and costs.
James War o t,42524
WELT WEINBERG & REIS CO., L.P.A.
436 ve th Avenue, Suite 1400
Pitt ur h, PA 15219
(412 43 -7955
FAX: 412 338-7130
088 779 C A Pit CXC
This law firm is a debt collector attem~ti~ig to collect this debt for
our client and any information obtained w ll be used for that purpose.
New Baksnce Minimum Payment Dus Account Number ending in 8611
DISCOVER so.oo 5733.00 Eraer Amount Enclosed Below
Payment Dw Dab
Novesuber Zti, 2010
3t sosrTSaot ooos~ta
PATRICIA NAILOR
609 MOHAWK RD Il 1
NEWVILLE PA 17241-9741
PO BOX 6103 Illnsnllnsrs.llssssllnllnrl
CAROL STREAM IL 60197-6103
Address, e•moil or klephone change9 (r((ullunnn~l~nlnlwlr~luurllllnun(Irllnrullnlu(I
Go b www.D'aeovercom or prnnf change in span above
Go paperless and make your account
tntormatton moro seclxe wtth password.
pprotected stetemerds only you een access.
Leam more at discovercorNpeperNss.
0000019864581876631390D0000000000000073300
Tber 31, 2010
pays 1 of 1
Opening DaN; October 13, 2010 - dosing Dare: OT:N
Discover Moro Card Account Summary
Account number ending in 8611
Prwious Balance 53,135.99
Payments And Credits - 3,135.99
Purchases + 000
Balance TransFers + 0.00
Cosh Advances + 0.00
Interest Charged + 000
F_eea ChorQed +
-
- 000
New
Bea
once
See Interest Charge Cokulation section Fdbwing
transactions for detailed APR information
Cndtt Ltne 52,400.00
Credit Lins Available 50.00
Cosh Advance Credo Ltne 5600.00
Cash Advance Credit Line Awibbk 50.00
Anniversary Month
October
Opening Cashback Bonus Babncs S 0.00
New Cashback Bonus This Period + 000
Ceshb«k tlerars eelenc. a o.oo
To Isom man, b9 m at www.0ieeowr.eom
Payment Information
Nwv Bobnce So.oo
Minimum Payment Due 5733.00
Payment Dw Date November 26, 2010
LaN Payment Wanieg: If we do not receive your minimum
Payment by the date lined above, you may how b pay a bts
(w of up b 535.00 aril your purchase and bakxrce transfer
APRs br new hanaachons maybe increased up b the Penohy
APR of 18.24% vaiable.
Nonage Yaayr AaouM Online at www.D'a~vw.com
• Securely otxeas statements and Free online tools, pay bins
online and hack and vnsw o1 honsactions simply and easily
• Mdse your money wroth man ~-find easy ways to cam
and redeem cash rowarda
• NEWT Aeesu your account securely Through your
mobile phone
3 Easy Ways to Contact Us
1 A<c.>s your ~~ secur.y at www.Dacewrcem EXHIBIT
2. Cdl 1-800~ISCOVER (1.804347.2683)
Please how pour Discowr~earcl avaib e.
3. Write b us at Discover PO Box 30943,
Soh lake City, UT 841 r30
For TDD (Telecommunications Device Far the Deaf)
o:siabncs, please edl 1.804347.7449.
Transactions
TDe~le~ u
Payment and Credits Oct 31 Ckt 31 INTERNAL CHARGE-OFF 5 -3,135.99
Fee: TOTAL FEES FOR THIS PERt10D S 0.00
Inbresf Cherged TOTAL RVTEREST FOR THIS PERIOD 5 0.00
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 S 475.24
TOTALINTEREST CHARGED IN 2010 322.51
~g Charge Calculation
Your Annual Percentage Rah (APR) is Nne annual interest rob on your account.
ANNUAL PERCENTAGE 6ALANCE SUltIECi TO RVTEREST CHARGE
CurnM tiling Period: 19 days RATE iAPR) NTEREST RATE
Purclaas 13.24X V 50 SO
Cosh Advances 20.99% SO SO
V =Variable Rab
Addiliand i^Pe+b^-infermation
Important Irdornglion. K there h more then ores paps ro tMs batnp sanerrrN, see tM bock d oath pops for additiorwl tmpornam kdormoson
Continued on reverse stile. DIJV~VEI`
Tiaa your Cardmambar Aprwmanf. Your Cardmembsr Agreement caMabs dl The terms of your Account
Lod or Bolan carder. Report unmedbhlyl Call 1-800-317-2683.
kYlstl To M N Yw 1Telfsls Yw FIlaI A Mldaks On Ywr fMMmerA
N yea tMnk rtes is on error on your wtemeN, wrNs b us at IXxowr, PO Box 30421,5011 lake Cey, UT 841300421
In your IeNer, give us the fONowhg information
Account information. Your name and account number
• DoNar omount• The ddbr amount d tM w,peered error
• Description d Probhns• i you TMnk Ihera is an error on your 68, describe what you helices is wrong and why you believe it is a mhh,b
You must corNOCt us wNhm 60 day, alter die error appsored on ya+r stahmeM
You muss nahly vs d any potential errors m venting You may toll us, bN if you do we are tar required b mvesligole any poMNid error, and you may how b
goy M amount in qusAion
While we inwsligah whether or not then has been an error, tit lolbwing ore ties
• We Caned hY b CONKT tie amowl m glwslan, Or feparl y0U a6 deRrigwnr on Ilsat amOUM
• The charge b shoo may wmam on your sbhtnent and we may corilinw b charge you inhnsr an rat amount Bd, if we determine real vw made a
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not
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• While you do oat haw b pay else amount in gwsdott, You ors responsible for Nis nmamder d your bdanca
• We can apply arty unpaid amount agamst your cwd'N limit
raw ItlOhb N rw An OAwNaAel kYfrF row Ciaili'/ Gasd Purdwsee
IF you are d-nsaNslied wish rte goods or servkes that you haw purchased wNh your cwdh card, and you haw toed m good fOhFi b comfy tier
problem vrhh Ile merchant, you may haw tie right not b goy Iha remaning amount dw on Ste purchase
To uw this right, dl d the Folbwiip ireiY Iw hw
1 TM pwchow mua haw been made in your home ,tote or wNhin 100 miles d your current moiksg tsde4eu, and its purchaw pike must how
been more rtan S50 (Hole= Ne4har d those are necessary iF your pwchow was based on an odverliwnienl eve mailed b you , or N we own
rte Company Ihat soW YW Ilte goods or wrvsces
2 You must how used your credh card For rss purchaw Purchows mode with cosh advances from on ATM a wtlli o check 1hW accesses your
credN card account do nor qu0lily
3 You mull nil yN how fully pad for rte purchase
N ON d the crNerh oboes ore mat and you ere still dissaNdied with Ihs purchase, contact us in venting at Dixowr, PO Box 30915, ~
Soh lake City, UT 8/1300945 p
While ws iwesNgas, the same rules apply b the disputed amount os diuussad above Aker veer Rmsh our imsshgotan, we veil kN you our
Batiste M IhaT point, iT we Ihmk you vets on amount and you do nil pay we may report you as dehrquenl
fMrmanb. Send only yaw payment and she top portion d thh aafsment m the swslops provided Do nil send cods 8y w your check as daxribed
above, you aulhorin us b u» mfwm06on on your check b make on elechonic Fund hander ham your «count or die Brancid insdtuNon issdcated on your c
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check or b procsu the poymsrif as a check hansxhon if poymsist b processed os an elechomc land aansler, the honsFer veil be for Ilse amount d the check.
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om your cFseck b mob on elecnonk Fund hansfer, funds may be whhdrawn From yaw account as soon os the wms day we receive ~i
yaw poyiriant and you will nil receive yaw check back ham your Rnoncal inshtuxon
7ite praceuing d your paymsrs may be debysd N you send cash, correspondence a olMr hems with yaw payment it yo send Ilse payrneM b an olMr
address or iF you use an envelope crier Tian tits one provHed Poymerib rxaved in proper form a our Procesurtg (ocBNy by SPM bcd hint on a~ day war
be cradNed b yaw Account a of red day Payments received at ow proceu facdi alter SPM local time wA be credfhd ro yaw Account o, d the rrxr
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need Ihf, ,bhnssnt grid yea bank occowN hiFormetan You must ensws rtar sul8ehm Funds aro awRable b your honk aetounl, and err Iron,acNOn, muA
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sfpnarwe, you wt~ be agrwsg bkllrs aullwrimlan b aNow us and your bank b deduct exh payment you audsals free your bank account, and b InNiale
ddeebbit or credN entrim b your ban account, os applkabla, b correct an errs in fha pracetsing of wch p0 You must red ut rte anawr d each pwynierir
or you wn sekxl an assxxmt such os Iles Minimum Payment Ow or the New Baloncs on each srohmsnr You can canrwl a payment however we must receive
notice d kwst tree business days m advents d the xhedukd poymsrN You may notify us by phone d 1100317.2683 a by mai d Ilse eddies, N,hd to the
pevous paragraph 8 your payments vary m amount we will hN you on each monthly sbtemeM when your poysiwtt wig be mode and how much it veil lxs
l
Your automatic payment amount may bs
ea Tian indicohd on Ilse monthly slahmeM bused an credih or payments applied durirsg the Ming cycle
CradN Rapoeting. We may repot idormolion o6ouf your Account b credx bureaus Late payments, missed payments, or adiar defaults on your Account
may be refk,ehd in yaw cndN report We nornary report Ihs sblus and payment history d yaw Account b credN reporNrtp ogsncles each manlh If you
bakew Thd our report is inaccuroh or incomplNe, deoss writ us at dm blowing addrsu Dixowr, PO gox 15316, WIIm77ngbn, DE 196545316 Reuss
indkoh your name, addrsu home telephone number veil Account rwmbsr
irayie,p Irdotyef: We in b fmpaw Inhnst Chargers on oN honsoelions from rw Trontaction Date for the wnwclion shown on your M'lling whim.nt
unless o hanwcNon a
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our AeeouM Bier the cb,e d Ilse billin
eriod in
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dexrlbed M 1M wcNon
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Agreement hred'Fiow We Apply Playmenh,' sw gatseraNy apply payment b yaw Account bawd on the APR applicable b the bdaice d each hansocNon
category This neon, That ifyou do not pay Ilte New 8olance on the cumM birirsg ,bhment by the Payment Dom Dah,hown on rat tiling stahmeM, then.
dependitsg on the arrows of yaw payment and Cite APR, on other bak,nu,, You may nor get a grace period on new pwchows.
Minimum IMae.N Changer. We will charge you o minimum Interest Charged =. SO for any billing period in vrMch Interest Charges of lea than S SO
would olhwwiw ise imposed
Annual Faa. r your AetowM has on annual lee, N veil 6e blNed a11he bbe~ppirsnirg d each annwersary year your Accoum is open The amount of the Fee
a
ears on The saslsmsnt when the fss is billed The onn
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mating or delivery doh d rte ,lohntant on whkh rte he is btred You veil receiver Ihis refund wen if you uw your Card doming That period
Flow Wa Cdculala Ifsfaraq Charyas .Doily 8alanea Mdhod (inelssditlp Carnet lronsaelione): We Bgure Interest Charges for each billing
pseud To do tMs
• We cakub4 yaw Interea Charges wporately breach bobnea wbject b digerenl firms (for example, wndord ppurchaws, sbndard cash
advances affil each pwchaw, bolorice honsler and cash advance babnca subject b promotional firms( We islet b rtes babnces os
honsattion caMgonss
Ws ligws Ilse'daAy bobnce' (a each Nonwction category To get TM'da(ly balance' veer tike Ilse mm'tsg balance for each day, add an
new hansoelions and fees aril an
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mob usher orl(srsensMS (includrg riow odrystmerstt re
dred In IM,eehon htlsd'Payitsg InhresY'( let eokukwig else daily babnee for The Firer
4
day d Ilse birkig period, we consider rie'prwious day s daffy bebnce' b how bean your babncs on the last day d your previous M11m
g
period ihb giver w the daffy babnee for exh tronwehon eahgory
• Wa Igwe die IMnesr Charges on yaw Account by mulKplying the doily 6obnce for each honsaclion wtsgory by its daily periodic rats, fw oath
day m Iha bring period
TM total bhreY Charges for the hiring period errs ris sum d the doily Interest Charges For each hansochon category for each day during Ifsat
hiring period
WMn we cakubh ilea bobnces, we add a new konsaelan as d the Tronsoclion Doh shown on r biN-mg whriMM, udeu Ihs hon,aehon is shd b
OYf ACC WM diet ate c d Ilse tilin
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Mlling period in which N n posted b your Account All foss charrgpesdd b your Account as added b dh standard pwchow hansxtbn category whh Ihs
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applicable bdance honsler fronsoclion cohgory
Fo~' ~ Fas: 2X d tM U S dollar amount d each pwchow made in o foreign cwrency
~
Pere y
h Nine you fail b mob a payment vrfwn des, we may. in accordance wkh applicable bw, lit lerrriiriote tie availabrity d airy
ushoducbry/pomoYOnd APR, on mw hansachons, ad (NI hsereaw yaw APRs For new hansacKons b wriabls PsrsoNy APRs whkh veil be delermkrd by adding
up b an rid 5 percentage poirNS b the otherwise applicable APR Yow Penoly APR is dahrmmed bawd on yaw crediworlFiir»u and other Facbrs Birch
as your torrent APRs, and your aecowl hisbry N yaw APRs for new hansoctans ore increased For o kah payment, the F4ralfy APRs veil apply indeBnMly
For T'DD (Talseoeeressselicafiom Dwka for Iha Ow() aseisdoesea, plaow sill 1-800-347.7419.
Discover may tnoriNa and/or rec«d hksphone caNs benvsen you and dxover represenbhvas For qualify assurance purpows
The Dixovsrm card is laved by Uxover Bank, Member fDIC OI TBK 172
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 Szczygiel
(Name)
Legal Placement Account Manager of DFS Services LLC, servicing~agent for Discover
(Title) (Company)
Bank ,plaintiff herein, that 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# 8857794
Patricia A. Nailor
6011002044698611
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson FILED-OFFICE
Sheriff
coFbT,?E PROWONOTA
Jody S Smith
Chief Deputy I JAN 24 AM ID' QO
Richard W Stewart ERLAND COUNTY
Solicitor PENNSYLVANIA
Discover Bank Case Number
vs. 2011-195
Patricia A. Nailor
SHERIFF'S RETURN OF SERVICE
01/19/2011 07:35 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on January
19, 2011 at 1935 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Patricia A. Nailor, by making known unto Sharlet Nailor, Mother of defendant at 609
Mohawk Road #1, Newville, Cumberland County, Pennsylvania 17241 its contents and at the same time
handing to her personally the said true and correct copy of the same.
a?vs?'
SHALL, EPUTY
SHERIFF COST: $38.80
January 20, 2011
SO ANSWERS,
RON ~ R ANDERSON, SHERIFF
r.;. C.CI.It':SySJll4, iN!l rtf (eye :fl. h'.
WELTMAN, WEINBERG & REIS CO., L.P.A.
BY: Benjamin R. Bibler, Esquire
I.D. No. 93598
436 Seventh Ave, 1400 Koppers Bldg
Pittsburgh, PA 15219
Phone: 412.434.7955
Fax: 412.434.7959
File # 8857794 DFO
Attorney for I'Ahi o) 14 PM 3: 2 7
'CUMBERLAND COUNT"'
PENNSYLVANIA
DISCOVER BANK
VS.
PATRICIA A NAILOR
CUMBERLAND County
Court of Common Pleas
No.: 2011-195 CIVIL TERM
PRAECIPE TO DISMISS WITH PREJUDICE
TO THE PROTHONOTARY:
Kindly dismiss the above matter with prejudice.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By
Be R. Kibler, Esquire
o for Plaintiff