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Home My WebLink About04-3613 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA BENEFICIAL CONSUMER DISCOUNT COMPANY, CIVIL DIVISION Plaintiff, No. C>Lt -.3&.13 (?t(JJ;r~ vs. TYPE OF PLEADING: CLARENCE V. MITCHELL, Complaint Defendant. TYPE OF CASE: Civil Action Plaintiff's Address: 2700 Sanders Road Prospect Heights, IL 60070 FILED ON BEHALF OF: BENEFICIAL CONSUMER DISCOUNT COMPANY Defendant's Address: 402 4TH STREET SUMMERDALE, PA 17093 COUNSEL OF RECORD: CATHY ANN CHROMULAK, ESQ. PA ID NO. 42067 SCOTT E. CRAWFORD, ESQ. PA ID NO. 89570 HEATHER C. TROXEL, ESQ. PA ID NO. 91848 CHROMULAK & ASSOCIATES, LLC 375 Southpointe Boulevard 4th Floor Canonsburg, PA 15317 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. (724) 916-2400 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA BENEFICIAL CONSUMER DISCOUNT COMPANY Plaintiff, CIVIL DIVISION Vs. No. CLARENCE V. MITCHELL Defendant( s) 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 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. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY A VENUE CARLISLE, PA 17013 717-249-3166 OR 800-990-9108 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff, CIVIL DIVISION No. 61./- 3(",,13 Cu~l~~ BENEFICIAL CONSUMER DISCOUNT COMPANY, vs. CLARENCE V. MITCHELL, Defendant. COMPLAINT AND NOW COMES, the Plaintiff. BENEFICIAL CONSUMER DISCOUNT COMPANY, by its Attorneys, Cbromulak & Associates, LLC, with its Civil Action Complaint, the following of which is a statement thereof: 1. BENEFICIAL CONSUMER DISCOUNT COMPANY is a Corporation, duly authorized to conduct business in the Commonwealth of Pennsylvania, with its principal office situated at 2700 Sanders Road, Prospect Heights, IL 60070, hereinafter referred to as "Plaintiff'. 2. CLARENCE V. MITCHELL is an adult individual residing at 402 4TH STREET, SUMMERDALE, P A 17093. 3. On or about OCTOBER 2, 2001, De.fendant entered into a written Loan Agreement with the Plaintiff, a copy of which is attached hereto as "Exhibit A" and incorporated herein. 4. Pursuant to the Loan Agreement with Defendant, Plaintiff advanced funds to the Defendant. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 5. Defendant is in default under the terms and conditions of the aforementioned Loan Agreement for failing to make payments when due, with the last payment having been made on or about DECEMBER II, 2003. 6. Pursuant to the terms of the Loan Agreement, Plaintiff has the right to require payment of the entire amount owed upon default. The total amount due, including principal and interest, and owing by the Defendant is in the sum of TEN THOUSAND, TWO HUNDRED EIGHTY. THREE 68/100 ($10,283.68) DOLLARS as of JUNE 7, 2004. 7. Numerous demands have been made upon Defendant by Plaintiff, but Defendant has failed or refused to pay. 8. Pursuant to the Loan Agreement, Plaintiff is entitled to recover costs of collection and reasonable attorney's fees. WHEREFORE, Plaintiff claims damages in the sum ofTEN THOUSAND, TWO HUNDRED EIGHTY-THREE 68/100 ($10,283.68) DOLLARS, with interest thereon at the rate of21.996% from JUNE 7, 2004, plus court costs and attorney's fees. Respectfully submitted, Chromulak & Associates, LLC By: ~~~~ CATHY ANN CHROMULAK, ESQ. PA ID NO. 42067 SCOTT E. CRAWFORD, ESQ. PA ID NO. 89570 HEATHER C. TROXEL, ESQ. PAIDNO.91848 Attorneys for Plaintiff 375 Southpointe Boulevard 4th Floor Canonsburg,PA 15317 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PERSONAL CREDIT LINE ACCOUNT AGREEMENT (Page I of 31 LENDER. (callecl "Wo", "Us", "Our") BENEFICIAL CONSUMER DISCOUNT COMPANY 4910 CARLISLE PIKE SUITE 104 MECHANICSBURG PA 11050 BORROWERS /callecl"You", .Your") LOAN NO: 711714-17-505248 MITCHEll. CLARENCE V SSt 166322036 402 4TH ST SUMMEROALE PA 17093 ON POWTION 0," AytRAGE DAILV 8A1.ANCe I ~~,~~ lItATE ANNUAL PERCENTAGE R.ATE: eft!Dl1 LIMIT oAtt oF LOAN . IHlTIA\. AHNUAL fE' . 5100 10/02/01 .01 AND OVER 1.834 ,,= .22.000 " S\JISI:OV!.Ml .t.NNUA1.,n. - - .. In this Agreement, "you", "your" and "Borrower" 'mean the customer(s} who signs this Agreement. "We", "us", and .our" refer to Lender, This Agreement covers the terms and conditioos of your Personal Credit Line Account (. Account"). We want you to understand how your Personal Credit Line Account works. Read this cat'efully, ask us any questions, and if you agree to be bound by this Agreement, sign below. If more than one person signs, each will be responsible 'tor repeying all sums advanced under this Agreement. Your Personal Credit Line Account is a revolving line of credit extended to you and secured as described below. You can obtain funds from your Personal Credit Line Account (up to your crodit limit) directly from us or by using the special checks we supply to you, You may pay your total unpaid balance at any time or in iostallments. YOU ARE GIVING US A SECURITY INTEREST COVERING: INSURED YEAR DESCRIPTION MAKE 1MOOlOL SERIAL NUMBER Y PERSONAL PROPERTY ON EXIHIBIT REQUIRED INSURANCE. You mCl' obtain any required i.a..ursnce from tU1Fone you chooro and may a'ligo any othor potier of insur,nco you OW.D to OOTer the security fot this loaD.. You mu.t hu'o insurance OOTeriq socurity for this 10ao .a indicated by the word "VESIl below. a..mins us 8.105. p.,ee. Physical damago insurance otl vehicle li.ted ued.r "Security. .bo...., it "Y" appears uddot' "I.a.urod". Physical damage iasura.aco aD other property w:ader "Security" above, if .V" appear' \Joder Itlasured". NOTICE: SEE THE FOUOWtNG PAGES FOR ADDmONAL PROVISIONS AND IMPORTANT INFORMATION REGARDING YOUR RIGHTS TO OISPUTE BlUING ~~~~lR~O F /\IRE I.'IIII.III~_IBIIII.III "ll17290F6.99BRl.A.9000PA8569 110"" EXHIBIT ORIGINAl. I PABSS31\ "A" 1; , Personal Credit Line Account Agreement (Page 2,01 3) AVAILABLE CREDIT. Vou may obtain fund. directly from u. or th,ouGh ,,"our .plc,al ch.eu up to your .nn.blt credit. heh ehe~k muat bit wrlrto fo, .t It.st .100.00. Vour 'Y,f1able credit I. yopr credit limit lahown on ptIge one) Ie.. the total unpeld balant:e, 1nch'dl"\) F~ CtMfges, of YOl,l'r Account. If you m.ke 'oan peoyment& by cMck. w. will adj...t your 1tV.llable o,edit .ey.n d-V-. lifter .,. ''Relv. your chedt ",0 allow for c.Mclr. elu,lng. If VOU r.......1 fund. In ... ltI'Iount that would e.u.e you to .)ece.d YOUt .,.nabl. Gr.dlt, "'. are not obUoct.d to honor your r.qu.st. If WtI do lend you an .tmOUftt ov.r yaut ~allllblt crtdlt, you .... to PlY us that alCce.. amount" pi.,. FInane. Ch.,,,.. ./'Id Oyar tha C,edll Limit CtI.".', If .ny, tnvn.dlat.ly. PROMise TO PAY. You proml.a to pay Und.r: Ie) amount. borrowed und.r thl. A..aaMenti ad Finanea Ch_ll.s, Adtn1nl.tratlvtl ell.rgt. II.... Oha,... bad check oh.r,e, .-nd ~ the cr.dlt limit char..l. tnd o!hw eh..."a. provld.d In tly}. Alr.em.nt; t,* ertdlt in.uranc. ow.... if 'hY;: tell ciO'lIactfon co.t. ,.rmltt" by .ppl1~bJ. lew, InclUII11II r...on.bJl1 ntorneys' ....: Pet l.l smolin" In IXC..' of yoUI' .Idlt limit tPMt we m.-y lend you. "A YMlHT. You mey ,apoly your entlr. outstendlng tNfsnce at any titnl without ptlNllty. Vou mq nDt .... your .,.cil' cheets to pay any ..,..ocmt. due Urtd.r this "".INftSnt. B'ul8~e till Fins"". Charge ia oamputu each d.-y. you wllf Ilontact u. ,e..rdl", the ex.ct payoff amount for the dIIy you Intend to make full payment. If you do not ~ the .ntl,. unpIid bel.nc. on YOl,lt Account at onee. you ..... to pav et I...t tM MInimum P.ymlnt .~own an your monthly .tlt.ment. PAVMENT AMOUNT. Th. monthly repayment amount. con.l.tlllO of Finance ct..... end Principal, HC......y tQl cam".tely rtplY tha Prlncipa' .llancl and .ppliclble Fln.nca Ch..... dUrlnll tt.. ~Iml ""rlod ,....mad by th. peym.nt Flctor Indiceted balow. auumlnll no .ddltional .dv.nce, .r. tabrlo ,~ . Your Initial "ayment Amount ia "'cutet.d using the PlI)'fnlnt Faetor shown b.low. Every tlm. you tllb .n addltlonll cuh advance, th' P.yment. Amount on your Account wHl ba reoafculatld u,'ng tha PaymMt F.Cl'tor shown below. One. YOIIT payment AmDUtlt I. ftte,rni"ad. this aI'I'IOuM wUl r.m.t~ fllCed for Iu.bH"lnt billlnll parlodt until a n_ sdv.nc" i. polt.d to your .ocount. WNn this OCcurl, your P-vrna'" Amount ."iII be r.calculat.d b...., on tha Payment fl'actar of t:hl new ptln!l'ipal bat.nc.. PAVMENT FACToR. The time parla' In months cturln; which. if each PQ'm1tllt A.rnount i. paid Dn the cu. Oate ~clfi" on the billincr atftamem.. the Prlnclplll Balance Md epplle.t. Fin.nea Chefcre will be fully repaid. Tn. appropriate Perm'''' Factor It deU,mlned wlt~ ,If.,.,.ce to tM foUowln, .cttedUllt: P,'.i,.t hy..1tt I.,.,u ,.mr (..,UsJ $0 ~ $2.100 38 $2,eo1 ~ $5,000 10 h.OOl . $10.000 72 .10,001 ~ $15.000 84 MINIMUM PAVMENT. The. Minimum MonthlV Payment far sqy btlllng e,ere will b. the 1I,.atar of $21 or th. Peyrne'" Amount le. d.scrlbed 'bov" plU, anv AMuel F... In.uranc. Ch.rlll!le. Adml",.tr.tlve CharI'. od MY .mount. put due. APPLICATION OF PAYMENTS. Your paym.nt. on th1. Account If. ewll... In the followlnlil ord.... ,., p.1t da. In.ur.rrc. cII"toes. if "ny. (bJ put due Fin... Char.,.. CoI ,..t 4us .ddltional chltV" .lIeh .. Sad Ch.ck Char,... 11 en)'. lcO past dU, Prlnolpal, ,.) currantly. due In.ur.nc~ c:h.gfis. If InY. (f) eurrahtly dua FlftIftCII CIIw.e. 'II clII'"ntlY due .dditional charge. such .. B.d Check Chtr,H. if any. BIt currently W, PrlnclPIII. FINANCE CHARGE. TM Flnanc. Char.,. I. the Inttr..t c"",ed on your AoooUllt dUrlnll ..ch billing cycl.. A Flnan~ Ch.ar,. J. calculated frOM the date that e.ch .dVlInca. check iO'r Char,. i. po.t.d to )'OUt' Ac:count. A Flrlllnc=. Cha'l' I. computed b, multfp'Vlne th. ever... d.ilV b.lance 1ft your Acoaunt In uch. billing cycle timet. tM montNy periodic ,~... Th. 'v.,... d"J1y blllanc" I. determln.ct by tot.llng .f1- delly UtlPIIhf b.l.nce. lq ucII billing cycl. MICI dlyldlno 1ft. iota' by t~e numbar of day. In thllt cycle. A dalty unp.id bllf\C4 i. the amount OW"..~ day, ...-cludin" MY unpaid Flnllnce Qt".t, Adm'"I.tr.tlv. ebar... "'d cr.dlt itlJur.nOll ch"... far prior blltln, oycl... "CURITY. You lI,r.. to lIiyt u. . .!SCurfty J"twe.t In th. prop'rt, .dentiflad on pap 011.. Whic:h will ..cura ,II Ind.bt.dneu, including future advlln".. II'ldor thl. Agr.em.nt. . . ANNUAL FI!!. You ...t to pay 1ft Annuer F.e for participation Iq thl. r.volvine CI'.dlt phm. The inltie' AMUaI Fa. Alita'" on PliP one i. dUit .nd ...,el. on thI d... that your P."on.' Credit L1n. Account I. ..tablfMed end tII. Sutl.~nt Annu.1 F.. .t"'ad on pI.. one i. dl.le WId- pay.ble on thI' .ame dey of nctI .ubsequent ya.,. You lI"et thllt th... che,"a mey ~ char,ed to yoUI' Account ea'.ne.. SAC CHECk CHARGE. YOl,! will ~y . f.. of $20 If any payment check I. r.turned 1:180a".. of in.ufflclent: fund. or i. ot~.rwl.e di.honored. Vou .gr.. <thet L.nd_ may ..duct thll oh,rp from ... monthly payment. LATE CHARGE. If you dG not pay the MinimUM Peyment:lwlthln 1!1i d.y. ,fter the due det. .hawn on your billln, ,tet.ma:nt, we w1ll ch.rlll' you I lat. eMr". ..u,1 to the gre.ter of 10'10 D1 the :paytnltnt emaunt or $2D.DD. OVER THE CREDIT LIMIT C1iARGE. W. may chwae you $2S.00 if you inus . speclll' chttok for wt\lch you do not Mve: .ufflclant ri.i1ell credit .nd which ,. r.tut".d io UI by the bank on which It I, dr.WIt. OTHER CHARGE.$. Vou ."',.. to pay an, .moUllt ~tuallY Incurred by us In conn.ctlon with the Per.onal Credit Lln. Account for perlonal prap.rty t.xe. .nd racordin, 8tld ,.1.... fe... You ...... tit. tile.. f... m.y b. charg.d to your AClcount tHll.noe.. EXCHANGE OF INFOJ'MA. 71 ON. YOII under.t..d thllt: from time to tlm. wtI may r.c.'ve credit Inlormatlon eoncarnlfttl you fro", other., such .. .tor... oth.r I."d..... and cr.dlt repo,U". .aatICIla.. Vou Mrthorlt. 1.1," to shate In'1 Informlltion,. on . r.aul. baal... w. obt.ln r.l.t.d to your Account. including but not limIted to credft taporta and (nauranc. lRforlftltlan. With .my of our ,Hllleted oo,porltlo,... subaidl.rt.. 01' other third ptlrti... The u... of this informltlon ~y lncli,ll~' an Inquiry to d.t.rmlne If you qualify for addltlonll' off",!'... of -credit. You ,110 authorlz. u& to thar. .ny information '....dlftg ~... AOClount W!th Mly of our effUl.ted corporatlona. sub. Idler).. or other third ptrtl... T" a., "."'It tilt ,'arl., ., .ee. l.h,.aU.. (dupt f.r 1." D.,rlll .r Icfu.etI.. ,hit tr....cd... ., '''''.'IC'' ~.t:w'I' .. a.' VI" ., 1.,11., . ."u.. ..,...t ..Id ulltll., ,.... fill ..... lecl.l SUlrlt, ....., II' A"ru. CI II at '.0. ... 1147. . t1II''''I~'', VA ~IU.. " you feU to fu/fIIl the term. of yow credit obligation, . n....lv. report r.f'.ctlng on your creclii r.cord m., be .ubtnltt.d to II C"dlt "-porti,,g At.ncy. You .tre. tl'l" the o.,..,tmsnt of MatDr VehJol.. lar VOl.lr st"e', 'Q\I'v.l.nt of .ueh dtpllrtrrl.nt) mllf rei.... yo.... r...ldence oddra.' to ..... .h.ollld It b.come nec'I'ery to route you. You a",.. thet our sllp.rv1.ory ",.om.' m.y lI.t," to tt1'.phan. cell' b.twe.n you and oUr r.pr...ntatiy.. In order to ttV.luete the qu.UW of our urvh:.. to you. nlUlUTIOIf AND CHAI'" I. THl ",.nUI.T. W. UI ",..1.... y.It 'f,iIt to allble ...Itl.... .....c.. ar E:...... tile ter.. It .ls A.r....." IKI~I.. I.rn!!.... U;, rlt. ... ,....es Chrl' It ray U... 'r~.. .ritte~ .000n wlli .. Pf",... b yea will.. 1141'rr' Illy ."Uu... I.w ..I... ,.. c....at tI itl c..... ."Ir. bat: tI... C...... ..y .,.,.1, 10 ..t.l ... ... .CUb..... ','lseU ..I... 'r~"."". " ..."lIe"l. I... DeFAULT AND CANCELLATION OF AGREEMENT. Wt.hawI the right to r.q..lr. you to p,y yalll' .ntlr. b,'ance plus ell oth., .ccru.d DtIt I.Inpllld charpe Il'I'ltl'ledlst.,y IIftd to clnoel your arldit prlyile.e. undar this Aoreem.nt because of tal f.llut. to mate any peymant In ful( within 30 day. .ft.r due IIndtr thIs Agre.mant; fbI fraqu.nt overdrawing Of your lin. o. cr.dit;- Ic) fa1lurI to .upply u. with any fnformetJon r.cl'l..tad; (dJ supplyfn. UIi with misleading. f.I... incompl.te or Incorrtct Information: (Ii) brasklng eny of the prom..... term. or condItion. thet IIr. contl/"'ct in thi. Agr..m.nt; If) tbe filin. of a b.nkruPtcy petition by or ...Inst you; 19l ttIa d.m of any bDrrower who aign. thl_ Agrawnant. Aft.r defeul1. 'fOV Will pay our court co.t.. r..soMbi. attorney f... II' .uamer I. not our ..I.ried employ.e., .nd O1her coll.ctlon coa.. r.'.-f.d to the def.ult. If .not prOl'libltlCt by _Ilclbl. lew. You ...... that, should we obtsin jUdgm.nt a".in.t YOU. . portIon of your dl.po..ble ..,."In". IMY be ''',chad or lI'arnl.h.d ~Id to u. by y01,lf ."",Io,a'), .. pravld,d by F.dltel law. Any belenc. auts,,-"dlng Utld.t thl. A....ment when th.. cr.dlt limit is t...mlnettd will continue to ,cDtue 'nt.,.,.t It tha ~ntract rete until paid Itl full. You ell'" to pay Int",st on anv judgm.nt at the contract fst.. .,OUI .n.LI.c .n.HTI. IlIP TIIlI IOTIU 'PI ,lJTUlr UU. Thl. notlc. eanta'''. Impottlll1t InformaUon about your right. end Lend.r'. r..ponslbllltl.. under the Fair CredIt 8ltUAl Act,. ..~" L..lI1., ,. t," or Ir",. .t D.tllllU .nalt '.ar 1m. If you think yow blll I. wronv. or If you n.ad mote Informftlan about . tr.n.octlon on yaw bIll, write Lenda, on a ..paret. shelt at the irddr... lI.ted on your bill .ft.r the words.: "S.nd your bflll"" .rror notice to: ft..nc:far'. n.ma .nd addr..-.!." Write to I,..nda, II. .0011 .. poulble. Lender mu.t Mar from you no I.t., tbM 50 clayl aftar L.ndar ..nt you tM fir.tblll on which the atrot or prabllm apjM.,..d. You c.n tel.pllon. Lend.r, but dolnlll .0 will not prPlIVt YOW' rights, !n vour lett.r. ,hI'. l.ltnder the: following inforfttlJtlon: 11 Your ".m. and .oco"". numb., 2l Th. dall.r amount of 1he suaPlct.d error 3J O..crl.,. the .rror IInd a)(praln. If you can. 'Nfl, yOu b.li.ve th.re II an .nor. If you "",ad mare Inf01'1I\M'lo,,- deutlbe tht item you It. not aura about. " ,I ;.~:~, 'U .,:.j " ."... " NOllCE: SEE THE FOLLOWING PAGE FOR AOOmONAlI'ROVlSlONS AND IMPORTANT INFORMATION REGAADlNG YOUR RIGHTS TO DISPVT< BILUNG fIlRORS. 03-01-00 F NRE PAB5S312 ,aWlllllllllllllllllllllllllllilll "M11Z80F66898RLA900OPABS831Z0""MITCHELL " Il!lIGlNAL ....,.. ~~, ~:J. : '.J'" '" .t.:. :q~'~1 t'.t, . Personal Credit Line Account Agreement (Page 3 of 3) r..r ."llI ... L....,.. RiI.,....tllltl., AfIt, Ut..r Itc.ln. You .rlltft IlItIll:e. L,nder must .cknowl~' your lItter wlthJn 30 days, unl.s 'Under be. corrected the errar by t.... Wllhln 10 dIY', Lender must Ilthlir Clorroct the error or Iltploln why L.enar bolleve. tM bUl' w.. co'net. After Lond., reo"v.. your letter. Lender cenJtQt try to coUoot eny ..mount you ....tlon. or rlport you IS d.llnquent. Lender cen eontJnue to bill you tor the .mou", you QUMtIOn, including "Mnce oUr.... and L.lnd.r cen .-,ply env unpaid .mount .,,'nlt \'GUt credit limit. You do not navo to 'poy I'fty ClWatlOMd amount wtlll, L.ndor ,. Invntllatln" but you or. atlll obllgatltd to PlY tho par.. of your bill tlutt erl not In qu..tlon. If Lend,r finds thot Lend,r mild, . mlsteto on your bill. you will not h.w to prey.",. liMne, cheri'S "'ot.d to any queStlonod amount. " LInder did not mete 0 rnl,tlk.. you m.y have ta pey flftllnc:. ell....... and yoa will hove to meh up any ml..eel pIIymont. on the ....tloned emount. In ...hlr c.... Llnd,r will .end yDu 0 otlt8lMflt of tho amount you 0Wt: and tM dllte that It II due. If you f,1I to pay the ~Qunt that Lond... thlnb you cwre, Leneter mq ~t you ... delinquent. How.v", If Len_'. .xpItnation DOH hOt altiafy you lIftd you wrhe to Lende, within tlm d..,. t.llin" Lender that you .tllI ,mo. to PIIY. lnd., must tell anyone Lender '1IPOI't. you to that you have . QU,..lon abDUt )lOW' bill. And. L," del' must leU you the n.m. of anyone L.endar ,eport.d you to Lander ~Ii t.lI anyoM Len481 reporta you to that thl matter M' ba.n ..ttled betwMn u. when It finally 1..lf L.ndlr doeap't follow the.. rul.., L.nd., Clan.t coll.ct thtt "r.t $50 of the qUdtlontd amount, even if your bill we. correct. If Lender donn't follow the.. rul... Lond., cln"t coll.ct the 11," $&0 of tM questioned amount, IV'" if your bill we. correct. Al..TERNATIVE DISPUTE RESOLUTION AND OTHEft "laIR. T'" t.,m. of the Arbltrotion A".eament .,.d any other Ald." elgned e. pert of tb}s lap tr-natctlon er. IncorporetR Into this Agr..ment by reflr~', APPLICAet.E LAW. Th. tarm. and condltlona ,of this Agreement will be soverrwd by tM pt'Qvi.ion' of the Penntylvanl. Conawnw Discount Campeny Act, Chapter 7, SectlaM 8201 through 82:21, Pufda"" Penn,ylvanle St..ut.s Annotat.d, pertlcul.rly SllOtl"n '217. BeIGre sigmag tJUs A.greement,. ,OU h.aye .road and reecmocl this Agreement and the Feder.! Tru.h-In~Lelldjna cliac....ore. contained in it. You. the ellStamor(.) signing below. al't'ee 10 obselYe the WID' and conditions 01 this Ag~mcnt. ~v'itr!M! )O-l.....O( WiIDesc(hAt\-Q?R ~ (SBAL) Date: (SBALl 03-01-00 F NIlE 'l.t (SEAL) CustODIer Signaturd Date: WitnelS: (SBAL) PAB56313 "M172BOF66698ALA900OPAB663130""M/TCHELL 1..111111111111111111.1111111111 OIlIGINAL " ~/,;. OPTIONAL PERSONAL PROPERTY PROTECTION '(Page 1 of 3) Name cr.A.llF.N:CE V M'TTm.1'FU. Account Numl><< 711714-17-505248 Add..... 402 4TH STREET (S_t Address) SllIIHERDALE,PA 17093 (City) (State) D.te 101'l101 (Zip) DEFINITIONS: In this form, the words you and your refer to all persons signing the Loan Agreement (hcrcinalter refcmd to as' Agreement") IS s borrower. The words we, DS, and our refer to the Lender shoWD on the Agreement. PROPERTY INSURANCE THROUGH LENDER: We will not require you to obtain property insuran.. protection through us on sny loan we m.ke to you. Any property insurance purchcsed throuBh, lIS will be wri= by Wcsco Insurance Company, which is affiliated with us, (horeinatter referred to as "Wcsco"'). One 01 our employees is an agent 01 Wesco and that employee:: is Ilot actiog as agent, broker. or fiduciary for you on this transaction. 'l'ho agent of Wesco, we, or an affiliate may realize somo benefit trom the salo of proporty insutatlCO. PERSONAL PROPERTY PROTEcnON (Not ApPUClIble to Motor Vebicles cnd Mobile Homes): You bave offered personal property IS ......ity for your A_mont. We bave only secep1cd part of lbe offered personcl property IS lllCCUrity and we require evidence that the ~ted property is insured Ilpinst fire and other hazards. Yau may purchase this protection thtough us or from .any agent or broker. The amaullt of protection may not emeed the Credit Uno or $2S,ooo. whichever is 1.... At the time of any biUing. the amount will not exceed the Principol &iancs and any cash advanco on your Account between billing dates will Qat increase the insurance coverage. Adjustments for any cadh adVadces wiU be made at the time of the nen bilJiDi. We have asked' if you have adequate protection on the personal property. Your reply is as tollows: ~"M You have: no protection and wish to buy the protection offered through us. You bave protection on the persons! property securin, the loan or intend to buy it throuBh -an agent or broker of your choice. Your insurance rompany will name us IS Joss payee to receive a portion of claim proceed!. Until 'Wo rccoive notice naming us as 1068 psyee, you ...... to buy the protection of Ie rod throu,h us. We...... to return the lu/1 premium if we receive that notice within 30 days. YOll have protection on tho insured personal property and W~ have received notice naming ~us as Joss parco. INITIAL APPROPRIATE BOX ." PROTEcnON (IF ELECTED): you.... buying lbe personal property protection.offered throuBh us and s_ to (lilY the Monthly Premium biUed (included with your Minimum Payment) fot this coverage calculated by applying the DAily Rete of $ .1309 . for property protection to each SIOO of the Aver.,. Daily &Ian.. multiplied by the number of days in the bilHog cycle. lNITlAL BOX IF ELECTED t.-.J!!:'?ays the repair cos( or full replacement cost value of the insutecf propmy up to an amoWlt of protcc1ion cl~ with no adjustment for depreciation. You are protected against loss or damage dtJel to fire, H&htning, and ertendl'd cov~gc including earthquake, and flood, and. at a S25 deductible. b...glary. robbery and theft. .",--. ,.{y.~Yu~~ . :~-, lD~17~98 RL PPI PA8164Dl . .~.; . '.11111..1111..1111..11111118111 MW17280F66B9IP3P9000PASIS401DMIlMITCHELL . ORIGINAL !., ,. . ~ EXHIBIT I Voluation of Person.l Properly ,.. '. Nome CLARENCE V MITCHELL Addr.... 402 4TH STREET (Street Addreu) SUIlHERDALE.PA 17093 latyl CStotd Account Number 7117J4-17-505?4R Dole 10"/01 flip) DBPINITION: n. words ",,_" aJtd .)"OW'. refer to borrower. aad ~WllOn of property socurlq: tho Ioao.. the w01'dl "wo", "OW''' Dr ..... ""or 10 the I...eecIer. .hown CD the Lou AsroemOJlt ."idc1le.iag the 1o.n. , AGRBBMBNT: You ligned . Loen Agnomont 00 the date above and Ill". . MlCUrity iaWrclt in petlOJ1al property. Bz:hibit IA i. Lncorporated by ref'oroocoato lb.. Loao Aareemen.t. You aNluling below aa individual ite!l1izati04 end YO\lr oltimate-of tho'tilitkot ....Iu. 01 the peraQaal pt'OpOrty ("property"). that secure. :your Jun. Markel value meu.1~~ pri~ Il},.-:illj.na bti.:rer, ~ crnJll!~ tolbu:r; 1I'~Jd pay for t.hept'OJlOrtJ'. t ..f' '. I, ,t ~ J ,/ . ' For lDlUrance pUrpoIeIl oulJ. you at'CI also ..ked to prodde :rollr a.timate of lb. rop1~t .,.Joo 01 aU of Jour perlOA.1 JI1'OpottJ' ill. whidl you han PTe.D a lec1Jrity intel'elt. Reple~eDt .....Juo DlII$1.!1l1 the CQl't of DeW. IUbuituie property of the IOmaldad ud qUlllitJ. cmtTAIN HOUSEHOLD ITEMS Iiftdudilllaod-titJilId equipment) .......r 'lI.,bl 11.".u ... IUe ell., ,.,.. V"al .., a.nO,.,.I" '."'MrlfT .... U... N ".rk... ea'" ,.... 'MDTlIh"II'IC fQII"UIII'T ..,luI v.,.. 2M Rill' .,IIII/A....,.I..I... ,.....leIC-... D'R. T", 1It,_. "..... ClIWI. ............1. ...... ~". T.. U.-,IT.,. he. ..... LIlIr.". c..,1Ct .,bc. U....". -"" "'" 1111" I..rea. ,- 1_. Mftl.Pta!lQll' ,.,.,...r/lll..... .,..,..E..I..... u....., EDII""'.T ,- SI..,J...... ,.. t... SltN' PlISU.AL C""UTEI tIUU,,,EIIT tPOIla)tMrUO'" Drl.. -L~Ulr~ ~f) - ...... Iltr.OI.DrI", .......,,,..., U"'halMtna S.fhqr, UItr.1' '-rD .1 ::.:-s..w h-W' A"..., .aul .,II'IGI' TOOi'lEllUlP"OIT tJnel..IS"'..... 1Ir1llrr... """JaftlIW - 111(1.,,,,. ... tnII' ... .........rfll..'.IT..1I HaMT..'t "".11I _,.... r-tillla Irerl"c. "',. S".~r tu..."" 1.",.MlWT I .,.EO 118"""1111 bf T".nltlM Sit f)..,T..C...,. \/,... C,ulII. lit,... VI". CIa" ea..... VI...'.... VI'" TIpI Lllllary tlltrlltaLIIIwY LAWI . CA...I fllU'''UfIT '...4....r'J..... ....'RlIl,..... IID1'Y I.,.,IIIIT I s,OIlTl/n'.tllE I!QUI,um 11141., Maw. ,_U"'... S.. lM....r ulIIE.r ......TrIlnHr ,~.. flll. &arfn lrllCllll' La" II.... bareh. .". ...,.. II'lItIlllf4Il,lNIIl ".'11 ....Ia. '.'RUI'TlW' WlSt. IlICIIEaTllIIAL 1""UU1 nr.".......1II _lb. 1~"""afCk 'trUIIl. I. ....... ......... Ileyel" ,-. Fl""..IlIll.II..I. ,.." a.. ""Carr ....,... IC, sur.. 1rl"Q) ,IT'.IUIWOIII Dr allT /.... ","'... I ..-.t....c:.IlIClIolt.......... . _ ":._ ""IUl I..n.....m I I ".,,"/.... ....". """1 ~ I' S... Ill.. lllU'IIH'1fI Watw .,. ...',Y...' SaIIlI Dlwlll E.",... 0..... ....'" ........ ...'_1..'.... T..I.llItkalflt '.11.... ~'''~ !\~ I'''.. "'" =:.10 TOTAL MARK.ET V ALUB OF CBRT AIN HOUSBHOLD lTBMS........".........._................"h............................... TOTAL RBPLACEMBNT Y ALUB OF CBRT AIN HOUSBHOLD ITBMS........................................... s s 'O~11.91 RL PPf PAB1540Z 1.111111111.1.111111811111111111I "M' 72BOF66B9"'3P!lOOOP~B 154030"""1 TCHElL . ORrGI~L , , ; . BXffiBIT I V.h..tion of Pcrsonu Property . PURCHASE MoNBY SBCURITY INTEREST: The foJ!owiDc property we, putcb.ed tOt ptlrIOD.at, famil, or hou.ehold use with: proc:eoch:alyourw.o: . CONTINUATION OF PURCHASE MONBY SECURITY INTEREST 0 (Check boz: if applicebJe): This to..o repnlODtI . cone1'lioa ~. ~ o11DW ACCD\Iot No. . ud tho 'uml origioaU, a4Tuced therewuler COJIlutute . pat1 01 this Joan. You qNe that the purcbaJe tDOMJ' tecmrJty iatMelt itl the,coodt purchalOd uliog tho abovo ido.a.tified AOCOUIlt shaU lunite thiI CODTOnioa .nd r.maiD eAlotoeabIo by \II. . PRIOR, PUR.CHASB MONEY SECURITY ~BST: Tho foJlowitll property is ptoptlrty ia which the crllKlitot pt'tt?lous17 had IJ 1J}.;;;;;~)t} (. -01 "WTllllt DArf S__TVIf PAll flUATIM 'All JI"'A11/Rf DArt , .J.~,.. . ...)~..,. ~r=r...I.J..f:t-i.: --...--" -,----- .- .....-. .~- - - -.>--- --.. - ~ ',',\ .,J._....... ...lJ~(: ,.."..../.:'14 v.~.~ lD"17~1I ~~J'-..r....) PA81S4D3 1.1111111111111111...11111...,1 ",,112BOFe6BIIP3"'ODOPAS 154040li"Ml TtUEll . ORIGI~ VERIFICATION Veronica Bradford, Recovery Specialist for BENEFICIAL CONSUMER DISCOUNT COMPANY. A HOUSEHOLD INTERNATIONAL COM?ANY Deposes and says subject to the penalties of 18 Pa C.S. Section 4904 relating to unsworn falsification to authorities, that the facts set forth in the forgoing Complaint are true and correct to the best of her knowledge, information and belief. V~ Veronica Bradford p ~ 70 i} Crt t ~ ~ - ~ D Ul ~ _..) ~ - F .:c ~ ~ "'",,8 ' l. -' V.J 1 -j-l :---~ :-1_~_; r. SHERIFF'S RETURN - REGULAR CASE NO: 2004-03613 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND BENEFICIAL CONSUMER DISCOUNT VS MITCHELL CLARENCE V RONALD HOOVER Sheriff or Deputy Sheriff of Cumberland County, pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon MITCHELL CLARENCE V the DEFENDANT , at 1839:00 HOURS, on the 28th day of July , 2004 at 402 4TH STREET SUMMERDALE, PA 17093 by handing to CLARENCE C MITCHELL a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 11.84 .00 10.00 .00 39.84 ~~~~ R. Thomas Kline 07/28/2004 CHROMULAK & ASSOC Sworn and Subscribed to before o.J'e. me this 7 day of ~;;2OV'f A.D. o !J.,-<~tl" ,Jd.~\ P othonotary J 1 J By: r>>~~)b Deputy Sheriff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA BENEFICIAL CONSUMER DISCOUNT COMPANY, CIVIL DIVISION No. 04-3613 CNIL TERM Plaintiff, vs. TYPE OF PLEADING: CLARENCE V. MITCHELL, Consent To Judgment Defendant. TYPE OF CASE: Civil Action Plaintiffs Address: 2700 Sanders Road Prospect Heights, IL 60070 FILED ON BEHALF OF: BENEFICIAL CONSUMER DISCOUNT COMPANY Defendant's Address: 402 4TH STREET SUMMERDALE PA 17093 COUNSEL OF RECORD: CATHY ANN CHROMULAK, ESQ. PA ID NO. 42067 SCOTT E. CRAWFORD, ESQ. PA ID NO. 89570 HEATHER C. TROXEL, ESQ, PAIDNO.91848 CHROMULAK & ASSOCIATES, L.L.C. 375 Southpointe Boulevard 4th Floor Canons burg, P A 15317 (724) 916-2400 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA BENEFICIAL CONSUMER DISCOUNT COMPANY, CIVIL DIVISION No. 04-3613 CIVIL TERM Plaintiff, vs. CLARENCE V. MITCHELL, Defendant. PRAECIPE FOR ENTRY OF CONSENT TO JUDGMENT TO PROTHONOTARY: Please enter judgment in favor of Plaintiff, BENEFICIAL CONSUMER DISCOUNT COMPANY and against Defendant, CLARENCE V. MITCHELL, in the amount of ELEVEN THOUSAND FIFTY AND 21/100 ($11,050.21), with interest thereon at the legal rate of6% from AUGUST 11, 2004, as evidenced by the Consent to Judgment attached hereto as Exhibit A. Respectfully submitted, CHROMULAK & ASSOCIATES, L.L.c. BY:~~ Scott E. Crawford, Esq. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA BENEFICIAL CONSUMER DISCOUNT COMPANY, CIVIL DIVISION No. 04-3613 CNIL TERM Vs. Plaintiff, CLARENCE V. MITCHELL Defendant. CONSENT TO JUDGMENT AND NOW, to wit, this Zo!:A day of ~l}{AS-t , 2004, with the consent of all parties and their respective counsel, it is agree@as follows: 1. Judgment shall be and is hereby entered against Defendant CLARENCE V. MITCHELL in the amount of ELEVEN THOUSAND FIFTY AND 211100 ($II,050.21) DOLLARS plus interest on the unpaid balance at the rate of 6% per annum commencing on AUGUST I 1,2004. 2. Defendant CLARENCE V. MITCHELL agrees to make payments to Plaintiff BENEFICIAL CONSUMER DISCOUNT COMPANY in the amount ofTWO HUNDRED SIXTY AND 0011 00 ($260.00) DOLLARS on or before the 24TH day of each month for FORTY-NINE (49) consecutive months, until the entire debt owing Plaintiff is paid in full. The first payment shall be due on or before AUGUST 26, 2004. 3. Payments shall be sent to Plaintiff BENEFICIAL CONSUMER DISCOUNT COMPANY in care ofChromulak & Associates, L.L.C., 375 Southpointe Boulevard, 4th Floor, Canonsburg, P A 153 17, or any other address Plaintiff BENEFICIAL CONSUl\1ER DISCOUNT COMPANY may later designate. 4. Defendant CLARENCE V. MITCHELL has induced Plaintiff BENEFICIAL CONSUMER DISCOUNT COMPANY, and Plaintiff BENEFICIAL CONSUMER DISCOUNT COMPANY agrees to forbear in the enforcement of its rights against him/her so long as Defendant CLARENCE V. MITCHELL makes timely payment. If Defendant CLARENCE V. MITCHELL fails to make timely payment, then Plaintiff BENEFICIAL CONSUMER DISCOUNT COMPANY may institute or take all steps necessary, appropriate or helpful to collect the judgment, represented hereby, together with the Plaintiff s costs of collection and attorneys fees therefore. AND NOW, on the date written above, the parties set forth their hands and ~~.:(nu~9i [~ CLARENCE V. MITCHELL ~~~ Scott E. Crawford, Attorney for Plaintiff THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. CERTIFICATE OF SERVICE I, Scott E. Crawford, Esquire, counsel for Plaintiff, BENEFICIAL CONSUMER DISCOUNT COMPANY, hereby certify that a true and correct copy of the foregoing CONSENT TO JUDGMEN:r.l~as served upon the following by United States First Class Mail, .;;;:1.1'1'" I postage prepaid on this ~ day of ~~t , 2004: CLARENCE V. MITCHELL 402 4TH STREET SUMMERDALE PA 17093 fMe~rJ2. Scott E. Crawford, Esq. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. CERTIFICATE OF SERVICE I, Scott E. Crawford, Esquire, counsel for Plaintiff, BENEFICIAL CONSUMER DISCOUNT COMPANY, hereby certifY that a true and correct copy of the foregoing PRAECIPE FOR ENTRY OF CONSENT TO JUDGMENT was served upon the following by ., ~t.f(-h United States First Class Mail, postage prepaid on this ~ day of ~~ ,2004: CLARENCE V. MITCHELL 402 4TH STREET SUMMERDALE PA 17093 'Coo1k~ Scott E. Crawford, Esq. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. t1~ ~ F;;; 8 ~ ~~;y-! QJ 0' I ft:D$ (") .-0 C? () C' C':l . n r- , ~:":: ~ :1. -n eo-") nl r<' -1";- 0"~ ,-.... ::\) C? ; n c . ":'\ f~) - -r ..j C) -/ :) -n 'V:) ..-0\ :) - ~ .,- - . IN TIlE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA BENEFICIAL CONSUMER DISCOUNT COMPANY, CIVIL DIVISION Plaintiff, No. 04-3613 Civil Term vs. TYPE OF PLEADING: CLARENCE V. MITCHELL, Praecipe to Satisfy Judgment Defendant. TYPE OF CASE: Civil Action Plaintiffs Address: 2700 Sanders Road Prospect Heights, IL 60070 FILED ON BEHALF OF: BENEFICIAL CONSUMER DISCOUNT COMPANY COUNSEL OF RECORD: CATHY ANN CHROMULAK, ESQ. P A ill NO. 42067 AMY L. SABOLCHICK, ESQ. P A ill NO. 94653 ANNA M. BONARRIGO, ESQ. P A ill NO. 202070 CHROMULAK & ASSOCIATES, L.L.C. 375 Southpointe Boulevard 4th Floor Canonsburg, P A 15317 (724) 916-2400 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ~. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA BENEFICIAL CONSUMER DISCOUNT COMPANY, CIVIL DIVISION No. 04-3613 Civil Term Plaintiff, vs. CLARENCE V. MITCHELL, Defendant. PRAECIPE TO SATISFY JUDGMENT TO PROTHONOTARY: Please satisfy the judgment against CLARENCE V. MITCHELL, at No. 04-3613 Civil Term, and mark the docket accordingly. Respectfully submitted, CHROMULAK & ASSOCIATES, L.L.C. By: CATHY A P A ill NO. 2067 AMY L. SABOL CHICK, ESQ. P A ill NO. 94653 ANNA M. BONARRIGO, ESQ. P A ill NO. 202070 Attorneys for Plaintiff 375 Southpointe Boulevard 4th Floor Canonsburg, P A 15317 Sworn to and subscriQed Before me this ~d day of O~ ' 2006. ~~~~l Notary ubhc COMMONWEALTH OF PENNSYLVANIA NotariaJ Seal Heather L Hatfield, Notary Public CeclI Twp., Washington County My Commission expires June 29, 2010 Member, Pennsylvania Association of Notaries THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ,- ' CERTIFICATE OF SERVICE I, counsel for BENEFICIAL CONSUMER DISCOUNT COMPANY, hereby certify that a true and correct copy of the foregoing Praecipe to Satisfy Judgment was served upon the following by First Class Mail, postage prepaid on this 2ND day of OCTOBER, 2006. CLARENCE V. MITCHELL 402 4TH STREET SUMMERDALE, P A 17093 omulak, Esq. Amy L. abolchick, Esq. Anna M. Bonarrigo, Esq. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ... . l'-' = c:::::> (.:....~ o " "-I -r: r'n ::0 I rn :? <=' (') -I 1 C..." v . 'i :"j :':' :> C..) Om 53 -< 0.) N