HomeMy WebLinkAbout11-1039I
FILED-OFFICE
2-311 JA 3 1 AM 11: 7°
CUMBERLAND COUNTY
PENNSYLVANIA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs
JOYCE M DRAPER
Defendant
No:/ I- #31, 11iUJ l
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
08814670 C J Pit KMJ
C`
1Aja Vin 6 "'-6 C4
IN T11 CCURT 9F CCi:MO?Z IFAS CF =1BLI.LAND COUNTY, -771.IS1LV:.41.,
CIVIL DIVISION
CHASE BANK USA, N.A.
Plaintiff
vs. Civil Action No
JOYCE M DRAPER
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
CO°1 L.INT
1. Plaintiff, CHASE BANK USA, N.A. is a corporation with offices at
200 WHITE CLAY CENTER DR NEWARK , DE 19711 .
2. Defendant , is adult individual(s) residing at the address listed
below:
JOYCE M DRAPER
6260 RUN CROSS LN
ENOLA, PA 17025
Count I - 4266880101438550
3. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266880101438550 .
4. Defendant made use of said credit card and has currently a balance
due and owing to Plaintiff, as of November 29, 2010 , in the amount of
$8304.78 .
5. Defendant is in default by having not made monthly payments to
Plaintiff thereby rendering the entire balance immediately due and
payable. A true and correct copy of the Statement of Account is
attached hereto, marked as Exhibit 111" and made a part hereof.
6. Plaintiff avers that the Agreement between the parties provides
that Defendant will pay Plaintiff's attorneys' fees.
. nlaiiztiff avors that such iae- will amount to $150.20
8. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed and/or refused to pay the principal balance, finance
charges, attorneys' fees, or any part thereof to Plaintiff.
WHEREFORE, Plaintiff prays for judgment on Count I against Defendant ,
JOYCE M DRAPER , individually the amount of $8304.78 with continuing
interest thereon at the statutory rate of 6.000o per annum from
November 29, 2010 , plus attorneys' fees of $150.00 and costs.
COUNT II - 4266839780206621
9. Plaintiff incorporates by reference each of the preceding
paragraphs of the Complaint as if the same were set forth more fully
at length herein.
10. Defendant applied for and received a credit card issued by
Plaintiff bearing the account number 4266839780206621
11. Defendant made use of said credit card and has currently a
balance due and owing to Plaintiff, as of November 29, 2010 , in the
amount of $6036.44
L.. ,? f Lr.?.u,it i? fault b-,' h..?vinq not ma a?-. o- L h-'L ,T Nu,rrn: ?ts t„
Plaintiff thereby rendering the entire balance immediately due and
payable. A true and correct copy of the Statement of Account is
attached hereto, marked as Exhibit 112" and made a part hereof.
13. Plaintiff avers that the Agreement between the parties provides
the Defendant will pay Plaintiff's attorneys' fees.
14. Plaintiff avers that such attorneys' fees will amount to $150.00
15. Although repeatedly requested to do so by the Plaintiff,
Defendant has willfully failed and/or refused to pay the principal
balance, finance charges, attorneys' fees or any part thereof to
Plaintiff.
WHEREFORE, Plaintiff prays for judgment on Count II in its favor and
against Defendant , JOYCE M DRAPER , individually , in the amount of
$6036.44 with continuing interest thereon at the statutory rate of
6.000% per annum from November 29, 2010 , plus attorneys' fees of
$150.00 and costs. James . j:War ro t, 42524
WELTMA,T,'WEINBERG & REIS CO., L.P.A.
436 S4venth Avenue, Suite 1400
Pittsbur h, PA 15219
(412)/ 437-7955
FAX-,'412/L338-7130
PITA,TTYgWELTMAN. COM
08814670 C J Pit KMJ
1'
Payment Due Oita f -V 1Ld.ulco 1' ul Cu,! Anualuit Minimum Payment
10;02110 .1 -'r,-t .9 =17u; rU 5710.78
Account number: 4266 8801 0143 8550
a? Make your check payable lo:
4WD f;hasa Card Services.
. 1',P ip .rnn4q r"aa'r';oA.
?''N `rldrl; ,S of l: Illi11 ? 1""nl I n lack.
42666801014385500007507800830478000000000000002
. „ ir,
.JYCE 11 DRAPER
'.:GO RUN CROSS LN
LNOLA PA 7025.1295
IrriIILtJ11,.rill,IrLlrrrr11ri1rllrLirldrrllirlLrirridl
IrI,IIIilrrirrlllril,rllrill//r,irllililrtillrililrrrll,rll.rl
CARDMEMBER SERVICE
PO BOX 151,53
WILMINGTON DE 198865153
l: 5000 LG0 28t: 9206010&L.38550311,
S I ate. ;?•=al Manage your account online: Additional contact information
'ram CHASE 0 -"chase. coon/- ;cards c:om-enlly'.oealed on reverse side
ACCOUNT SUMMARY
Account Number: 4266 8801 0143 8550
Prenous Balance S8.304 78
New Balance 58 304 78
OpeningiClosinq Date 08/00/10 - 091o5/10
Total Crerht Line ;8.200
Availanle Credit So
C.tsh Access Line 31.040
Available for Cash SO
PAYMENT INFORMATION
New Balance 58.304.78
Payment Due Date 101102110
Minimum Payment Due S750.78
Late Payment Warning: If we do not receive your rninrnum
pay,nenl by the date''isted above, you may have to pay a late fee of
up to 535.00 and your APR's will be suW,ect to increase 'o a
maximum Penalty APR of 29.99%.
Minimum Payment Warning: If you make only the minimum
payment each period. you will pay more in interest and it will lake
you longer to pay off your balance. For example:
'f you make no You will pay off the And you will end up
additional charges balance shown on paying an estimated
using this card and this statement in total of...
each month you about..
Pay
Only the minimum 29 years 314.784
payment
$250 3 years 58.986
{Savings-55,798)
If you would like information about credit counseling services, call
1-866 797-2885.
The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card
account for purchases. We can help you gel back on track. Call 1 800-955-8030 (collect 1 302 594-8200) today.
hnpurtant Message. You Are Ovedirnill
Your slalernent balance exceeds your credit line. You should make a payment that includes the overlimit amount to bring the
balance under your credit line.
This account is closed and aol available for new transactions. If there is a balance please continue to make payments by the due
date
ZO TotalsYearitrDait
Total fees charged in In 2010 ."192 95
Total interest charged in 2010 5199.32
Ytwar-to-dale totals reflect all charges minus .ally refunds
,Ipplied to your account on or after January 31, 2010
INTEREST CHARGES
Your Annual Percentage Rate (APR) is file annual interest rate on your account.
Annual Balance Accrued
Balance Percentage Rate (APR) Subject To Interest Interest
Type 31 Days In Cycle Interest Rate Charges Charges
Purchases 17 24°6 (v) 30 CO 50.00 S000
C-ash Advances 19 2404 (v) 30 !:0 So 00 so 00
Balance transfer 1 r 2404, (v) ^0 (A 50 00 30 A
Prmnotlon 3 `) 'G 3o c0 3000 SO nn
(v) - Variable Rate
'lease see Information Ahout Your Account cection for the Calculation of Balance Subject to interest R. ale. Annual Renewal Notice.
How to Avoid Interest On Purchases. and otter important information, as applicaole.
8814670
This Statement is a Facsimile - Not an original
+.(00901 -633333 C 1 hilt N Z 05 I1,09'OS P.g191 d 1 11 :594 `.IA `.W rrd964 210'0f1000100,16695401
\0 J-- ,it I'! Fo'J"''M
rose I vi le uaui nl'okan Ueluw only if the address inlorclaGon on front is incorrer ,
8814670
:h.!ml rAdrhe,_s. __,
;1.1!1,
V Inure Phone __
L mad Address: _?.
Ylnrk Phone. ---
T,) °ervlce :Ind manage any of your account(s). we. our reoresentalives. JPPAOrgan Chase
eoresentatives, and/or affiliates. may contact you at any telephone number you provide to us- Please
1 offer to vnur Cardmember Agreement for additional details about the use Of your Persalal information
L u ,For vied Our, wehsde shown hel. to prmide us with additional contact informa(ion.
To contact us regarding your account:
By Telephone: 1)
(? n
In U.S. t-Ht:0-945-2WU V"V
taoanol
1DD t +"888860--1A8d755,'.(J8 Send Inquiries to: Mall PaYmend I Visit Our WeDsld:
-i0
Pay cy 01,0111-860-138-" 958 P.0. BOX 15298 P.O. Box '51,3
',v_svw.chase.corn/r.red tcerr?
07lsde U.S. eau carted Wlhnn'yton, DE 19850-5298 Wllnonytoll, DE 19888-5153
1-.al'2-594-8200
InlormallM Aaet III Meat,
Cramnd of Paymema: Ycu rnaY :nuke P9ybleFIN by any of the ?ry4ian bond below.
"he AmCUnt al your pavmem snm:l p. a11+a11'roJrtmmum payment OU1 PdYaDls
rI J.S. Jell., And dawn cr call through a US. Ii-iolet msmudpl ur :he U.S.
rrnnrh of a mmign -Pn,r,1111r,I fill.
nay mire layme:AS by 1..'9ud 1; S. 11,111. Sera Your Peortnl III It U P.YIIMIl4
zlcreas shown 10 •Ine S-M,mfnt YDnr Payment, Try mM mLst cOmph, w 0 mA
'4!11M.lIUn. all this 3te:elriee, Ub .l fend a"K Wit'a yew k- It on'te( M
r fnarh m money meer ryynems must ne.rrrrnpnnMd M tx pavmnnl Inloon
Ilia al!yelePe VIOt'IUeC tr1d1 GUi dGC(BSS yisba tF]JUylt m. dnvNOpa .V1ndcu" IM
I',AbYa LAb w::uillan Our. 1, niVn•w': p Lo.IPUrr, led 1:1 u,, be Iw
:lail'4 miter c'PS, tape or, lid lds:wldmleeInclnced Ivd, your Payment d yle.f
f"'Ylsm no ha ]repOlMe with Our odymMt mcm rnM are IS made arnb ano O us
abV UdY UY S.UU n.in, teal UIIIC d our I'aym.aadnusS {:" 1114 Sidl.neld,'Na Ali
V ^11 r'B Paylleflt to tan" AccSpd .,, M t!Nr 11Y. It ".a pdYiMlYt s if accmdaZ
.", :t'Y"er "bol "'T "l Is ma0u.: Au ble lu u3.b:e' p W on" 1-1 Ingle
1 w ioe:YrMnrS Add 10 on'NS stavment on +ui t,add It to "or Al.-Ol as of
be '_t caln,cor atty.
: J may rake naymenls nlecre icon y tr'n,gq air yrecsashiwm 31 mt,stpteomnt
:,_ 911. ce lfir:icd 'c41111 ull JL1 UbSae by 5 u.nl. talon, Il,ne, we ,rill
+AI vror a le'I' is m that on if - re" . Yew rep Jest alter 5 p or Pasteur
; Ilse, ',Ye wi I L,Nil yuul intensities of Inc nea: c.alender day. 11 •i1 ] s.eUFU a lulu•e
?alp n van mgres• nrt ty II anA1 Yner payment as of mat lay
f a ::II ul''nl paynl:Yls e' iLr Try .tw'rOn:IYYd.:UoyO lu• Mvc'1 yl I d0 rUl'41 av pLr
P iVmenl innlnlrtlnns, r'er bnq pl Your p1Yrn[MS m2y :u caldyetl fcf Up d 5 pdYs
McoYal INnmNlen Ra1oM b Creels dun.lic W'n naY nYOn'nlar'nalyan ulojl
:-I.r ACCULnr to errwlt oure]us. Lars oayrents missed Nymama or cTx default,
Or your Accent may ce relectep In ya11 LI vll mpoil! It yUa!Milk Me have reported
I'iar[ufirl ?n'trma•rpn •011 eap etnaaU. Von Tay ,r'n[,e.9 at free Ibou'nes Merest
,;-, un ail etalemcnt.
Tn Septa are Pouuge Aq d year As n"it): 14e. cur racresedabbefe. JPNagan
':lose oPtcwtanm, alwiw Allil able. may cored Ito I at any :elepbone -I der
O, A'OV d. to .c; Please rater W your Lammsnlar Antonini f0',tnddearal 7rytads
..:uUUI III. ustl U' yU Jr der,,.bd1 i"IUrrnabdp,
pail. Abnd Elaeeais Gl.rk Ces'mNa: Wher No lay by clock. - authodn
b. c tote' -r rnoaPpl Irani Ilur -N k IQ naae a tine-ome ee.mn; fund
'6V ef9!'gm your axoupr or to ponmm -he payment as a ChaCk nansaMOn 'Nren
e lox rdUfl'nllelr "IT""'I'back to O"M jn "nut"." "'d transfer lulleS may
ba,.md•ewe then, ';cur cr,obtas socnss IN sane lay ly. reaiY. Your payment.
,,o'-
yob ..I not -Am MJf C'1.:k radits foal your biblical wililJllm. (;a) Its
-bat San- number'Yl chi s,itemert it you rave que4d'Jr4 About electro-k
.lido cll'Ctlun Or d0 pal w.ll y"T payments Gudec3d eleClmm Cody.
Co.dlMeai hymalc AVY paMrem ChDCA Or Dmer WM 01 oayn[m. Tel you send
':r ksa plan II suit ba, .due lall]'na'kw. a at t'all' urego Id.rl4 a ii A, It-
nnimirn, Jr yoL ulrel.+se !a;w. is (d'. s'aUdaCr.ca of r. diSpliM alrnunr
avst be, rot :M.1 m Card Serukea. P0. flea ISUJ9, Wdnirldhn, CE 198.0. We
eve all cur rights regr-ol these plymems le. g, ,t t:s lete•Irm, rem I5 iw
4n-111 dispuu p I sty i.a. spick 4 •aeelv,d at any uthar addrase, em nay "'a"
To -fleck one ypu uIl sill owe any wmathrg pooneel. We may •eful, to :leapt
4aytrert by lehrm e) If t0 Inc. no! asmrq it a teaYlyi"q it. All .,hat
p IY'.Its true? VO-1 make chlblk tie be't'a the 'quia, P3yhow address snual on
Jes take old.
Al-I Renaeal recite: If jour Accoonl Alin. Cmelt has.ut annual mamt.raho fee
nnlar I.'ra'I)e Mr Issue R u' A. AhI,-y l your alnuunl. r won be hllled "A:h
td" Or m momrly or guar'a'ly Irst3l moral. Tr'R into Mdfo• charge am C',vee ,atet1N
r -- use YUur Ar:Ca % j^d not a9'2e to lay berm when b tied, The :upial
.n .'IC ;targ0 .ue no.-.NU'dame Lies, j,, n0'IfY u5 mm fpb , SI, -C Ll.. y.,
--AI rr':fli t 3o :lay. m'Jrs b I u U .; Y,0 !',rollilhrver i] r ; al'.sl al P"'Ater the
_.._ endOnr>mct;be.+mbd lea a':huCS is It III dard at the -,n-re, vo, Day
:u rulsixndllry calm tea to till. it ymt A, ;^IS icr to logo bated n an ,den man.
n" 1IIy' SLGn lC a nnnth Y will. 'Ca'pe, y:, "I MI mine me lam b,iec cre Ce:
veer, I, b, poled Jh,rges are nun-I.IunpvL.e .rte must. old es pull p' jaymg
lr t I,:-landlnP nn'a^R'll t.1 'Trot ti:yl'Ie-n'ot h^' a'pLN I:r a• Cmargc pots rm
,.'I: Lt nor l',111.3iJ.:IOSe yuUl 4LLevr'.: rrd:of"O:llou' 1 g111'L"lake mr,"'cr3Un
r A, ;amt If vnur M1- 5'IM?C.^.Yle. e(M,'its er:It "31•Inee to'nPi the
Lnl le±j ld'b d flue Mad You PAY vul 111AVJrlw j lWage 111 left aid lenmru,1,
llrA-b. m,,borrh p
"alellatln- n1 famous Sunni tn mlSy.d hale ':• ') Ire jrvlr yr non !Ilte'esl
1mr TeS IOr 130 m IA14 '411 ,nail I d3 ho, N' pare .,also op be, as 10 the dady
t:bit- telhod ;11-ut"II :srmfi 11,11 Laud's!. TP Agin but period. 1r:e'esl
rii)rs'nr :_r ^Illrq ;vcle ,r"en a mortrly -,-a raxjsi Iapjus, tw to rM
U Ape L'.IIV'JAlyl(r In4hoC b,dj I'll l,I'En1 bulks"011!). -e' A. eRgl&ial pr d
I hot um,d c ej,-'6V, a PIm: car intermit caarge :A AlA,Cn an ,fur
_a pent. al^aae Is I Le At 'he till hie ar"omer.un ce pvtre nJRUer listetl aoml
:',A I III' it- etrineri n:a'est Jhalges Long Ira aopilann peopolk rates ShoNT
.1 II1 ywcllenl, 1-:elalaly Ill -x1 *41b I, le.g.. LJ- Oansfer :heak; and
cash aManca checks I•chack IrpsaLTen"I, Purciesea. cadence barlsele's, cash
av:alupa. u0tptmral baleen., Or Dyedraft advances), nest cr9cmancm; nay
r.c:n0're ddtelem a:aqulks aril, nM same amok rata Yanatde A'. ,, I "toy
nth tie it All Cased un the Pritre Rate ter such i'dax o eschoted m yau' Accobm
A9PJmem; Then isa milim.m mtlRSl c3arge C,s150lp sxhaman• csacrhad
A.-4 Agreement) I^ .fry in in if c car ,, ,*.h you u. any Ox'uJob;
: n'CY41 - iboft. lyd a franecornmi im w ads, 1.1 ana Te5?m, raid, NMI-ne, or
di- Ilalaa4Ler. 111 d'e GInW111i staled III Yulr r1 aria eq,_pld, as' II (nay ba
Trended. Ttere Is. lo'algn I Ansadlon I. M 3% of ale It 9 nn tar A-bot D' any
IC rmgr ItanszcUpl 1" sJdl A OOJm 7esc'Ixd r0 ypir Acmund Agraerte-1).
,utv to Avold Payng direst on, aurchasall We begin Issasyng pencelf; mobil
th4(gea on a lrs'Iesellun, tee or interest charge lrem lie pate d Is Men to your baby
Sa.no iris your Account is add In full a4 de6COned 1n your Account Agrb[me't.
Your Joe dild'mi be a in nunum of 21 says IWlm.ing do cluse d! each 005119 by its
You can dVnre per oelc Imneat ctvq'n an new pftdn6e4 when Ihey ate tits! 11 led
IC A Ailemelll a4 donbb,bdl lielovr, boo: his Jun not junk .e Ljli raleters.
,avi ldvars'es or Merchant act vices. J you roCpnv a cu'rent „ond•1y sratenldnt that
nch+Yea can Michael and mate A payment :oaf sae receke ly the dais and brtl In.
Vinton- =aymant I. cua •m Inac tad-Of. the won net Thugs I3eriouk re,mst on
airy 3011 no of three dew 3 ndhaso lid tea alloale Mich p .1 to, sn' burg as 1)
':GU".Urlwt $Ute ill also I%- thac'ae reliance pr:Yrrenc N me ;Po Iq marble,
fcf vlxr PfenOLs me 111' a Statement py the Cate Ad 11019 ds tomorrow, PIn ert aria
due UR 2; Thal ft imperil DdanY ter oil 3remus ilcnm s statemem ,as too. It
ycu lave a be Mre letter tamp a ourlmea M:dnce and Wat Ceara carters I ,Ighw
article, (merest rate, you may rot go zne q avid com co: Int. cat c1a•gcs m per
purchases f you do not day your henna m full each Tool peeause we ,hI,3lly
Mae paymplls nmi b me politics W m !!le'igr ent pecruc cle irleres: file.
WAN Te 0e II rids IMa Chow Fled A aMMaa 0. Your Sh olaneN
I you bank there Is an eron on yc,, Sbidement,'wrtk W us 3r a wpmu, Jft, at
CJswmr Service P0. floe 15299 Wilmington, )E 19350 X299:
r yjLr letter, gars w d a ludatvmg inlo'n-Al on.
• Are" 1'1tOfma30a: Your rime Ind AEepum numh0r.
• 13ola1 amOl1l' rE curler AmnLnl of the SIISPYnIefr [ROT.
• O;YrLTOn p Problem: If ya thnk mere s An error w your aid, do5cn08
what You bN we is bei and *by You Intent d is A ribmike.
You must e.Of ue w thin 60 days AMr the en., Aopw'ca 01 ypu,'hike eat.
Ynb collet OI4fV u Of arty pore--at yore In a, nog. Y01 may 001 Ire. 011111 }or, in
As a'e npl recourse :o -ea'lgam any pot0n11a1 end's dr:o yon may nave IL pay the
smnum h q.est'dA
NNIC We I'n'estiOt whether or not mere rues been an enor, r^e t3AO slag a c true.
• We fannm try to colleen min amnl.l• In quldwn. 1l TeaI"y(,r aS nalmlplApl nn
!Cal an cud.
• Tra -hi i1 pleston may remain an year statement, and tea may ielhnda
Ia c-)c YGJ nlCrpS: pi mat in avnt. Out ' :m oeh,- tp A b, u,,,de a
mlelake, ypu ,rill nor tray. 10 pay try ainamt n (L[SICII or i-y In'c'est ar
vi'le' tees IeiNall lu 11111.1. Lund.
•'NMIe ML do 101 have Ia p.y ale artwum n 9Lestlon, fdo are ItII 1,1 tar
Ihd t.l'alncer u'ypur L3lanca
• WB "An aP* eny unPaid -b-Itt 19aw in or Trier I,, t
your Rights It You An glealigbe With Year Chout Call fAlnaaa
II you are Aci allshoid With It 0 gulps Ur X-ea'S lha: you Jaye PulCt,lSed wrh yU jr
crmliI rare, And yru Itow Inad in grind hallo o-ofthe omlNem .inn 1-. mnle,^IM.
iUO may hav :M. right rot Ip raft the remaining anai.c d'JC DI Te ourcI
In : se urn front all rl thus tOIIIYNmg Inlet nn t-
1, the purchase must have peen !r tee m your hate ,%le x within I;YI ndrv
-'Or .LrrR m:tind Mdress I'd :Fs point ou, cre, -3 '.1. ,an
1rlb L IMP 557. INOI, Nuntpr -4 t-, ,era nrtrc;SarY A O.•I DLrcMasp yres
b:. SAO an an if, W nlsarlant ws m30" to you. cr ives I., IM -Pa 'ly f^m
oulo YOI' Inc yb o bl c-max;
"'Al most rave 115-0 year cold ram la ter ourchlSS Phrhats, made wdh
LAh adyanaS Irpr an ATM or .v'vir A c11a; h r,j13La55-S y- ;J0,1 ca of
""Ili. 10 not m+ti Ity
1.'r"d -V. ert yet barn Imhj ,e,j In, 1^e nob, III.
II :Id Or I'C c"Ine AUC.m are ml' ano You err slit mr.Iial"Ped rnT tr3 TV-1ise
i'll os 11 xribag al Customer :9,7ce, '.0. Vox 15299 N&I ilacit. OE
14545299
:VI'IIe w mvndlpAre, me fair r II09 ITOY to ;h^, 11anumd o'ronne as ltlmpsnO
Ihuye. Afton , Misr our Ins'fS1iy110n. vat A' 'At yon our e.:gwn A, 'net part A
'aa bone, You owe en dnnbm and Ycu do oat err ere. may IaWffi y0p as ge'IntrJelA
aA9?91oio
Payment Due Date I'l- O.d,mce I"is1 Oue Amrnull Minimum Payment
J9l18110
, di !{ ='.I-I rp 5505.44
E
Account number: 4266 8397 8020 6621
$ 1 Naka your check payable to:
IIIL-- Chase Card Servicws.
ra""Ad,16 tlf t;-1m-lift P"'I on h.wk.
42668397802066210005054400603644000000000000009
'? " '• .Y I _111 i 111111 It III III II III III 11.1.I'll II 411 11.11.41 IIIIII..IIII I 11.11
r)YCE M DRAPER
%GO RUN CROSS UN CARDMEMOER SERVICE
L?IOLA PA 7025-1295 PO BOX 15153
WILMINGTON DE 19986-5153
LI11111.II ILII,I IJJILIIIIIIIIIILI1111d..111JL11111111
1: 5000 160 tat: 20 29780 2066 2 1311e
slate- q
Manag e your account online: Additional contact information
:tom CHASE O wxw.ehase.,omrcmddcards convenenuy ocated on reverse 9,ce
ACCOUNT SUMMARY PAYMENT INFORMATION
Account Number: 4266 8397 8020 6621 New Balance S6.036.44
Previous Balance 55.971 36 Payment Due Date 09/18M0
F;es Charged ,53900 Minimum Payment Due 5505.44
'merest Charged +526 08 Late Payment Warning: If we do not receive your minimum
Plaw Balance SG
03GA4 payment by the dale'isted above, you may have to pay a late fee of
. up to 539.00 and your APR's will be subject to increase to a
Opening 'Closing Date 07122/10 - 08121110 maximum Penally APR of 29.99%.
Total Credit Line ;(',
000 Minimum Payment Warning: If you make only the minimum
. payment each period. you will pay more in interest and it will take
A mplaole Credit so you longer to pay Ott your balance. For example,
Cash Access Line 51.200
Available for Cash
- 50 :f you make no You will pay off the And you will end up
additional charges balance shown on paying an estimated
using this card and this statement in total of...
each month you {!out...
pay
Only the minimum 25 years 59,717
payment
5181 3 years S6.5:31
(Savings- 33,186)
IF you would like information .about credit counseling services. call
1866-797-2885
The charge privileges on your credit card account have been revoked. You no longer have the ability to use your credit card
account for purchases. We can help you get back on track. Call 1 800-955-8030 (collect 1 302 594-8200) loday.
important Message: You Are Overlimil!
Your statement balance exceeds your credit line. You should make a payment that includes the overlimil amount to bring the
haiance under your credit line.
This account is closed and not available for new transactions. If there is a balance please continue to make payments by the due
dale.
1A000UNT ACTIVITY
Dale of
Transaction Merchant Name or Transaction Description 3 Amount
FEES CHARGED
B9N8 LATE FEE 3900
TOTAL FEES FOR THIS PERIOD S3900
INTEREST CHARGEW
cB2o PURCHASE INTEREST CHARGE 8.35
::8120 PROMOTION INTEREST CHARGE 17 73
TOTAL INTEREST FOR THIS PERIOD 526 08
2010 Totals Year4"ate
Tula(fees charged in 2010 511 7 OC
Tr)tal interest charged in 2010 S142.21
Year-lo-date totals reflect all charges minus any refunds
applied Io your account on or after January 31. 2010
8814671
This Statement is a Facsimile - Not an original
1600001 rIS3333376 oao N Z 21 10,00121 ;a1d 017893 %IA\14 afi7t7 _I)'01I0006001"71701
X
I Hit- ui, ulgr R„que.l
P''• Lae U'uvule mlotm itum below only if the Ailress mforrn-rhon )it hunt is Incor-:t.
8814671
i1mNl Addnras.
''I Ile
I lnlne Pl-re _,_ ___ ____ Murk Pit e.
'c moil Address: ___ -_,____._______________!__
To erv co and rnan:lge any of your account(s). we. our represontalivos. IPP.Iorgan Chase
:epresenlahvtes, anc3.or a`filiates. may contact you at any telephone number you provide to us. Please
offer to tour t:ardrnrmher Agreement for additional details about the use of your personal information
L indior visit our websile shown helrlw In provide us with additional contact infnnnation
To contact us regarding your account:
8y relephons:
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Lsiraranol i-888448-3:508
DID '-8C0-05_.8060 Send Inquiries to: Mall Paymlents to: Visit Our weCSrte:
Pay oy nhorle l -8CO-:36-795A P.0. 130x 15298 P.O. Jox '51,3 vsvw.ula ;u"Ifcreel k I }•
0-te,de US. oar collect Wilmington, OE 19850-5 298 W-niglon, GE 198865 1 5 3
1-3h2-594-8200
AfarmWlCd Ablaa raw Acaaell
Cradams of PsyeleWt Ycu bray :like painxmts aviary in ant ?lpii:nls nxted beta W.
'f--1unl of imu raymam sra:1 nA at laaal roar m rnatolr Paymml due. pMpok.
?'I U 5 Jd4n and drawn cl uayake IhnLgh a US. rlad:ial iroatJaW N :flu U.s.
fj,l nrnncn M l Inmlgr iMnr.IM I,Man1:M1
[nay -I eke nnyme'ns by iequa L.S. rill. send your naynunl to N:: Paynvails
,11 snawn In •hO irm-f id 'lour rly mmi, by mlil mLSI Canpry W in the
,-fdnb, na VII nos lla;lydml, Ua ml ctmf :x111. Woke Y.I# rkccu,t I ureter W
,.11.1 Viok or money Art. Parr oyi ..,if di a,,. Mains by tie Myllnht Mlmda
l II:B ellyelepa ina''dise syn crud'W'dx YIs.0% 1m3.4o 1114 amelOpa .Vn1dCP.y. Ile
n"Arpe...no: :arair 'Auto Ilan ^d 1lnyuor: of -tom aid for, all be no
s P ?{kY c'pa, tap. J' i,. ne,JAndo.C. oCl d red till your I!.+yrtinrt. If yucl
" Tondo IS it ar.zwmoa'sor oar torment anfruz:'nr5 and •a rrlde m]ar 301s to a
Jurylay by 5.WP.m.!,.II11 is al u.I fhvnlellls addfCSs c' 0,0 mj d.wa'all
'A1I 1'd Pavmed110 Van, Aae:nm ism!' i, If neer Cayman is it aeCOMIM,
'. iii:: n! p:yl Ion: e1S11L oo", bit Is 11.6,,-11 1, to us We 500 p. ill., anal on,
a i IY itYMMIi .171'!55 An n-ia snTVArl. xd will rradd a to your ArcWM it M
Te twat Ci it A".
IVin aY mule palm. in wictioai vtr•,.,q,- AerSde.Shmm an mfSSbiMrnenl
urn+p1^I d n:4.11 ua cu eeusne by 5 1 It eastern l I Lae. we ,vet
1d 1 Your aaynal- is d that em If rave A revs Vm.r rat Iasi affair 5 if in Finneran
Vin I'exhil yuur ""now t as .1 1,, nest cdunddr any, 1' ya,t Yd-ty a lulw.
:Ile nvnur radii a ll nrnlt yaar rio-lane rl mat day
I II ell.dit pryithY is Oil. ally xyr'1en: l,PI 4m1 la' WI Ili ya34u ra'W aW out
rylnenl iA Tn Irtilon, Cra t Ynq At Ynur pmnlem5 MPY of relayed tar no to days
increased IWOIMIIIm RIPCfW TO Cndk NnaW: Wa 11 AY teputt inlay shall AL041
xr A LOIA: to mall hureaus Late arymenla missed ptynante or cTdr defamts
n nlul Amain] may oil rel vied myo.n crcdd repo-.. It vau thank we have rrparted
1. ,.Wratl,n•rrma•inn'0 a t'e1n Nalen. yA', miry .v'.1, 1A 115 al Ile t Iltulned ]drJreSa
ruwI urn 8ns statement
TO Sk, lw and Manage Aay d Yav AadColgs): 'Na. our raomsmtathxa. JPMNgm
0lase r,wn-tall, andbr ]Ihld]es, Andy c'irad yol at any'elephwe'umaer
n. o0vde to IS fists!iWlr[0 year Ca•:mdnmar Agfnemenl U'dddi•INlal daaik
?ai.Ni Ina u'_. ur von persunM I'4arnafkil,
NMI,. Meet ElKkulda CMek Contend- Who, Va. Jay, by crock you aammin.
111! A 'Ise Inrnoc- I,- )unr n1ck to riion". A-home a edrCn'? fund
nrtler "I, Yaur a . gum 01t0 wncxa m± paymart n a shack n]asacaori Vi
-r. nlun'iuhun 1'oln yaLl elb'it to make at, eRLitCUC fund lransiYl. tunes niAy
. rn•bd•am frcm';:uraUpunt as seen u NM sari day na wa ive yaw pavmeM.
^Ilc ya all not raderve `lair Clark uaa nom ?mf hiai nal Irsitudid Ca l int
Cu5lwndr SelYllb number m 11`5 5-a temMt 8 yon laic plk5dws aA0a19detm'IC
r'_k col ?etl:n or do not veal ydi lids a (Aaeel'd aledrW easy
CC.am.nW PaIM t-: Any Mysi t ;hoer or other min of )aynew. this You sand
cr leaamal Ira 1,11 Wane, du. lldl la 'ne+od"Mdn+tall bl coo land asamial
,n. It, 'hat vo atua-,I `encer is Id, sdoladki at a d+sculod m not
must be cent ho Cara ,Sli 1'0. Buu ISas, 'Wlningtan, UE I"Baea049. We
-1d All Wr nonrt re7a'gmq theca VVAIP llA IC 9., it I'.I crate"ral mire IS M
-1 d'Srule Ca 1 any xditl :al S `-w al any Athad addles.... flay .,an'
'no .:Iod and you Pill dN not any miralning baiarmtj We " -!fuse to XCAM
a.,l y,,, t ert by relum'.p II in i ,At raarl•y it AI 110mylr9 A. Ail otn:a
Paymetl, Ind, you make smuk he ee't't IM '1311ar Payinem Wiest snown on
nl ,Ia1.1i did
Annual Rdnasal Notice II Vicar Acrounl Agr::mert has in annoll memt'Mseip foe
.. a,.?u' s meal r"a',p, fir nwance u' yaneau y::l yarn rL?unnl .-.111 be bitted le al
ea• al ld i`a"111 Or qua1:9 ry,•,lal menta. This lee an1'0' coarge are C'•yed Wisner
11
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l
r ?'.a :rVm IrA AnmrCfy'd,lp+l' I r'g55 yCL nG:my 115 mat ytn ,Y sr :d closa'InLr
unI ulikn 7U ayx cl Lana AI ny ,yL s 1:nnthrv.r is -x ; alai lve Vrcaue the
..r+nl en "mill the ni" r i lls n -hnui is b Ika.Vd ai the same time, ryeo pay
rlllarding t0.131G'v n rut If Inn, al no, 1,A a iri Cited more ,ijbm Ira'
1v '.Lin YE C -Why ^Iri thwge. }t. '•re nM mun tole lad o ik0 come'
I L.",at Cl nut Allred :lunges I'd AJII ellIdaue - must ad fwd u Can u' .raying
Ir.tarmho bn,,-,C n It 1 Yr'rr %,-a, M t- arnl.M h•A d• charge tOCS 1M
1.;III, t l j", you• AL-i'.: ul!t :a limt'Ur .1,1'A ?,.ke:ranaat I." nn
:n r AC;An,ll it 10. r Atcaull 5',1,510 nY Vtu Or S.'.ee v, it ;gn•+rna la imP05e Ilk
11n'u!.Ba'Iau:ulnlya nlltl vu. L',, yu, r, Jlsiat' d.,j oialIC!III lull a-,it tillmlla,
.i. r m,,,und :,auenra 0
l'3lculallOn of Aalanea Snalad nt Imerd.t RM" 'r !r xr laic Into -r.Y
+1•lrS for Mh Oi line -e 1-11 1 131Y oe :arc illet5) aCp as. lye .140 :M 13dy
b 'a. nol'al 'n1Liuhad '- vtoll hm5attu+si Via 1.gne yuur drundC ':A,sl
.Vial qcS llr r _Cr tnorrg -a ai- 1 manmN re-, m:e;5) J,Pln, . 1yd kC in,..
.:':tl a`le u31IV bA'anto Vii hour; nln_ludllq rLI-1 IIJiAJChanS) 'C`• d•` 2lalillav- J1
=1 "e .neih,l c ""to.' m'lur a panne Aar "burst Clar,Je ;,mtl.laam nn 'rear
joet Mureaa9r:a LS It 'he till h.t CJ.ian 11 •11 al -, .A'bar(i.tki aline.
r.lk'a ltd Aunrxic nli-t ^hargns Loan ne lnCkrab:a pdriodk tales CMwm
/I :h s is Ienl. arCe131 o, Inc tlxh 'e,lu r 1. q., LJnlal Aulai J at'ka erd
cash --&area checks ;`chick traMacbnn'), nu•crases, Main. Uansie•s, rash
ailaalme. na'reharal balances of averarefl Cd-es). "at tL:RIdI1nM nay
lt:nblra d vans o0dWiie5 wet out Same Mali Imes. vabaNa 11.1% .yid 'Iny
.yith ti, 11 Itkel hind on IhA Ponta onto rcr -1 Idea described m yow Ali
Agraemofl; Theroaa MourJmimerestclarMe15150;NSichana, V,:nCrbad
I - Aecaad A9retun:nt) i-' -aw bilea Lack A Am,n you u. in, partial,
1"It ;.haardi Ind A MASddlca ba llr Pit, li anCe'mnafar mall adyn-m M
check Itmtaidim, in Ira dmouills s&Aad in y'x, k'Lrount Aq-..netllL as 4 may to
,.aided. Trere is a We" nanwllan fen of 1'7 ll Ind II C. as at, ,,am A- lay
ICr1Nir I'LAUCIAM (N sXM A na'Jm'JeSC'I%d III yWI ACW ml A91dernit).
al:'.Y to Avail Pai lit I an lurenasas: We login J ,,sing periodic Interest
charged ma 12lFidtlan, IK Or IlttuM. enarge I— nedale It n sal to VWrdally
as inn IM 1 your Accounl it aim IA on. as uettlyted n you, AC,Oual Aquid 1.
yuur dux old',vn be a In nnnuir of 21 days Idkralr:q :Ile fuse of total along L'ypk.
You Can aynld peowe inhi :hartis an dew a idlasea ,htl Trey, ate Mm: Pa led
!C a AAyladnt R dosmlalAl belf". but Itns lox not :..off :b UTA? cd Ila,sters.
i Aich IdVanCes of avnmratt aitvarCes. If you (or irm 3 cAreal mrar ly stLa!mant that
"Mos-Mithdads lad r.ka A paynonl :hal tva reed dY be day in. I". Ibe
Yimd,on aayment is aA'at That statement. Pit w,N rat charge poll merest an
any Can if fired V. a ach oils nat Vle alloote sure paynymt to, an+arq ds 5 )
vow tlliart statement a w slows N:at'M maval oarrient At the and Alq U-ni
ICI YULr PreVIAS M0 or S Stakn91lt by Ind oald a11011 me its Atlmrdim PnYmarl SWa.
Jue dR 21 Ittil IM .10-9 balxntl IN )oat ioa-.$ manar5 statement Ad; [erg. It
ytn raid a v are. onar than a mer.ma s -wet and Irat dMance cans a hlghar
to rlodac 'nlnes! rate, you may nil n: abk A avoid Jdnodlemll I Viz yes on nca
purrhasss d Ycu del no! Pay vour hahna ft lull each mor:h, because we qsr-lly
Jllocate payments fiat :a IV Made of m the -i 51 amme AICFn: r,Ini
Waal M On It YM Think your HM A Mid We pa year Sta4nW
I yoj India mere is an error )i yedf statemelle wrda Id us at, a veduats oti at
C tsto M' SeniCa, PO Box 15299 WNlringmn, )E 19851,297
I y Ju lette( 91vd us file tollavinq Alto,, d'on:
• ACMUM IMafmdildn: Your rams ant Ateaum AdldCr
• 0,111x1 amnu'it' 'ta dnav xmf.L rt m Me Su+Cdr:IM aro•
• C:S:r Non of Pr)*tn: It YN mink titre s an error )r your oa, Cascnae
•ahal yob bal eve is Pro 19 And troy YOL bandit it Ito a m,xidke.
You must rata[: us w. min 50 days ilk- the Mra• 30M col of yc Jr .itrdmnen.
You mnst nonN a of am pare^n.1 e-cs in'ar I no. YaI nay a'' ,a. and I tnu In
A a'a Ad[ e0Unea :a Ivres'Igak any Caental aria's wd Jai ,nay Paid Ito MY The
inouM 1, q Jest ad
kaTAC es nv.atlgak wfth,, N not there raa been an Coral, tie IYIO'aing J:e fill.
• 1Ve,]nlM try M c011Am Ina anM,ir It, gnedl,A ..^.r frNnymL a.S nelmglmAl AA
Vial anti
• lira cbarya it 91x1 an may Amain at, yo., al t.-M. ena vH may w1n.e
la Ller 9a /a, I'.ICrr$; al ",at "noon Nut. detrrik'd that,
'u,: uldC d
Ill, slake, you Pill not hard to Tiny art amount in q-t',on or I-t jr 2'est N
ul o• Ices di lad to gut dodout
• Ymrle you do Vim have m pay the orde.IM or q,"flan, Ai, A,, -,ii far
nx1 fell 'Amo nt at your bllallce
..A .vn aP.,IY.'ny untold amount "J' At! Iron cao,i r t
Your 1119Ma 11 You AM Olsphs8es With Yoke Credit Calf Purstall
1 yAA it, bss hlltad --in Ire goods o1 c1.Y- Ind: you IWYe lanr alsed ,.In yalr
:ii Will, arilyro-11,14 in load Mtn rl rarrecl the mahle.'n ,An 1^e mSrrnani
Ad may have :r: nghl ra: to ;Ay the rerouting arbor[ dCe A] 11e Wmtago,
'n', Fe An, nght all rl and fMIM1NIrg al PA r-
I. the piumnari roust hart bean It, ltd In your bon,, Sale !x .vlmin 1'.1g its
valor nt ne 'unit a:1emw toil 'be P,Ir;r- F"Zo TCA -,a n, been
c !her 8,5U. Non: N v-A ala nem-ny it l.- ut rch, ,A wax
,,sod red Aa N;vMhssneAi untied no- ,Via v if C'Wr :1, rOmtarY I'M
.Iig ).1 ilk yowls e1 zlvlaet )
2 ynp must rive node vmu t•e111 rVa for mA ourahase. Pnrhasx made :vith
gush A31voes 4- in WM ur',t 11 A 'look thal accesses VULI a1011 ,a d
AC-M 10 not -,'J.llP/
a. . e Ivry. lrt Ym na`le fully mia!rr 1'" wn.-Ju sd
It Is of t'C c'anna lCO.•C .lm ", AA ."A'. It, m 11 0,-I?f ed'cram rip Pu'ciltd
to as in .Ilril in Cuslorle' Sir"t, 10. Sox 152?9 tVha, ', jiva. OF
I^959.5299:
7i tar. re, nnVnmlgast :rr a..mr "I" -Tiny In in..^, .maparad ),A,,,
a9 al:cl+.5Sn0
ab)y9. After vie hoist, At mtYShgahal. a:a wdl:ell you Cur :Madan At that Ctini. II
:m Inklk Va. five an draw and rou do not rev wa -ray ""I'd von as (1 -4,
ndAh?9ta,0
i.31?•?nei.t f1.Ne. . ?; 11) 1•,tt????1 }11
.??i nil flilinl?r!r -I _x;11 v7" ?:71:Fi?l
INTEREST CHARGES i
Y - Lu Annual Percentage Rate (APR)1s Cie annual interest rote on your account
Annual Balance Accrued
Balance Percentage Rate (APR) Subject To Interest Interest
Type 31 t,.+ys In Cycle Interest Rate Charges Charges
. chases 1 ioiv) SI^R 38 ;835 S0 00
. 1,h Advances 19 2 1 M S0 00 i0 00 30 00
[3alance tr.w,fer 1299'%!v) io 00 50(10 'i0 (11 0
omnuon i'19P!, 35.232-34 )17 73 iC 00
JI - 11.mtole Rate
Please see information Al not Your Accnnnl section for the Calculation of Balance Subject to Interest Rate. Annual Renewel Notice
i low to Avoid Interest on Purchases. and other important information. as applicable.
8814671
This Statement is a Facsimile - Not an original
XrOn[!f101 15b333a 7e W N L 11 '0.0a,21 P.r;e1<;12 -5,a n.aAMA 137.37 23211 NOM 130700573701
8814671
VERIFICA'T'ION
The undersigned is an Officer of Chase Bankcard Services, Inc., which is a subsidiary and
agent of the Plaintiff that maintains the records and services the credit card accounts
owned by the Plaintiff. The undersigned is authorized to make this verification for and on
behalf of the Plaintiff and is familiar with Plaintiff's account in this matter. Based upon my
review of the Plaintiff's books and records of Defendant's account(s), I have personal
knowledge of the facts set forth in the attached pleading. Records such as these are kept in
the regular course of the Plaintiffs business and it is the regular course of Plaintiffs business to
maintain these records, These records and the entries thereon are made at or near the
occurrence in question by, or from information transmitted by, a person with knowledge of
the account. This verification is made subject to the penalties of 18 Pa.C.S.A. §4904 relating to
unsworn falsification to authorities.
(Signature) jbeni..?i..,._,._
WWR# 08814670 C J Pit KMJ
Client Account # 4266880101438550 4266839780206621
Name JOYCE M DRAPER
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff FILED-OFFICE
Jody S Smith THE t _
Chief Deputy 2011 FEB -9 AM 9' 01
Richard W Stewart
Solicitor :. - rUMBERLA D COO i_',,,
Chase Bank USA, N.A.
Case Number
vs.
Joyce M. Draper 2011-1039
SHERIFF'S RETURN OF SERVICE
02/03/2011 02:45 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on February
3, 2012 at 1445 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Joyce M. Draper, by making known unto herself personally, at 6260 Run Cross Lane,
Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to her
personally the said true and correct copy of the same.
SHERIFF COST: $41.50
February 04, 2011
ROBE BITNER, E Y
SO ANSWERS,
RON R ANDERSON, SHERIFF
J a
CHASE BANK USA, N.A.,
Plaintiff
V.
JOYCE M. DRAPER,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
DOCKET NO.: 11-1039
ANSWER TO COMPLAINT
AND NOW, comes Joyce M. Draper, by and through her counsel, Karl E. Rominger, Esquire
and in support of her answer, avers as follows:
1. Admitted.
2. Admitted.
COUNT I - 4266880101438550
3. Denied. Strict proof of the same demanded at trial.
4. Denied. Strict proof of the same demanded at trial.
5. Denied. Strict proof of the same demanded at trial.
6. Denied. Strict proof of the same demanded at trial.
7. Denied. Strict proof of the same demanded at trial.
8. Denied. Strict proof of the same demanded at trial.
WHEREFORE, Defendant requests judgment in her favor and against Plaintiff.
COUNT II - 4266839780206621
9. Denied. Strict proof of the same demanded at trial.
10. Denied. Strict proof of the same demanded at trial.
11. Denied. Strict proof of the same demanded at trial.
12. Denied. Strict proof of the same demanded at trial.
a
y
? ? f?
p
n
x
13. Denied. Strict proof of the same demanded at trial.
14. Denied. Strict proof of the same demanded at trial.
15. Denied. Strict proof of the same demanded at trial.
WHEREFORE, Defendant requests judgment in her favor and against Plaintiff.
Respectfully Submitted,
Rominger & Associates
Date: March 4, 2011
Karl E. Rominger, Esquire
155 South Hanover Street
Carlisle, Pennsylvania 17013
(717) 241-6070
Supreme Court ID # 81924
Attorney for Defendant
CHASE BANK USA, N.A., IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
DOCKET NO.: 11-1039
JOYCE M. DRAPER,
Defendant
CERTIFICATE OF SERVICE
I, Karl E. Rominger, Esquire, certify that I this day served a copy of the within Answer to
Complaint upon the following by depositing the same in the United States Mail, postage pre-paid, via
first class mail, at Carlisle, Pennsylvania, addressed as follows:
James C. Warmbrodt, Esquire
WELTMAN, WEINBERG & REIS CO., L.P.A
436 Seventh Avenue, Suite 1400
Pittsburgh, Pennsylvania 15219
Respectfully Submitted,
Rominger & Associates
Date: March 4, 2011
f-- ?1
Karl E. Rominger, Esquire
155 South Hanover Street
Carlisle, Pennsylvania 17013
(717) 241-6070
Supreme Court ID # 81924
Attorney for Defendant
•
CHASE BANK USA, N.A.,
Plaintiff
V.
JOYCE M. DRAPER,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
DOCKET NO.: 11-1039
VERIFICATION
Karl E. Rominger, Esquire, states that he is the attorney for Joyce M. Draper, Defendant
in this action; that he makes this affidavit as attorney because he has sufficient knowledge or
information and belief, based upon his investigation of the matters averred or denied in the
foregoing document; and that this statement is made subject to the penalties of 18 Pa. C.S.
Pa.C.S. §4904, relating to unsworn falsification to authorities.
Date: *111 _
-marl E. Rominger, Esquire
Attorney for Joyce M. Draper