HomeMy WebLinkAbout04-3887
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BURTON NEIL & ASSOCIATES, P.C.
By: Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
(610) 696-2120
Attorney for Plaintiff
CITmANK (SOUTII DAKOTA) N.A.
701 East 60th Street North, Sioux Falls, SD
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL VANIA
v.
JUDITH G NORRIE
1126 Linn Drive, Carlisle PAl 70 13-4248
Defendant
NO. 64~ ~ ~ g7
~
: CIVIL ACTION - LAW
COMPLAINT
NOTICE
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 (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 claim 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. THIS OFFICE
CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
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 REFERENCE AND
INFORMATION SERVICE
Cumberland County Bar Assoc.
32 South Bedford Street
Carlisle, P A 17013
Telephone No. 717-249-3166 or 800-990-9108
C-2314
BURTON NEIL & ASSOCIATES, P.c.
By: Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
CITmANK (SOUTH DAKOTA) N.A.
701 East 60th Street North, Sioux Falls, SD
Plaintiff
IN THE COURT OF COMMON PLEAS
v.
CUMBERLAND COUNTY, PENNSYLVANIA
NO.
mDITH G NORRIE
1126 Linn Drive, Carlisle, P A
Defendant
: CIVIL ACTION - LAW
Complaint
1. The plaintiff is Citibank (South Dakota) N.A., with place of business located at 701
East 60th Street North, Sioux Falls, South Dakota.
2. The defendant is Judith G Norrie, who resides at 1126 Linn Drive, Carlisle,
Cumberland County, Pennsylvania.
3. Plaintiff, a national banking association, engages in various types of banking business
including consumer lending through the issuance of credit cards.
4. PlaintitJ furnished consumer credit to the defendant by means of a credit card with
account number 5491492014517506 hereinafter referred to as the credit card account.
5. Plaintiff maintained an accurate and running record of all debits and credits to the
credit card account in its books of account.
6. Plaintiff mailed defendant a written statement each month which accurately stated the
debits and credits to the credit card account for the prior billing period.
7. Defendant received the monthly statements from plaintiff for the credit card account
including the statement attached hereto as Exhibit A statement without protest, dispute or
objection.
8. Defendant in not protesting, disputing or objecting to the statements including the
Exhibit A statement thereby assented and agreed to the correctness of the balance due on the
credit card account so as to constitute an account stated.
9. The amount due plaintiff on the account stated, less credits, if any issued subsequent
to the Exhibit A statement, is $15,788.01.
Wherefore, plaintiff demands judgment against defendant for the sum of $15,788.01, and
the costs of this action.
n Neil, Esquire
rney for Plaintiff
The law firm of Burton Neil & Associates, P.C. is a debt collector.
06/21/04
lMitlM~W;~i'
$9999.99
iNE;w.ltiilfi
$15788.01
~i~~g
5ITE:KC-CL
TM:CO-5000
06/01/04
ACID:KCB7150
17:27:52:
JUDITH G NORRIE
ATTNY ACCOUNT-CODE=LC34
CARLISLE
17013-4248000
MELLON
P.O. BOX 8118
5 HACKEN5ACK, NJ
07606 -8118
PA
Platinum
Account Number
5491 4920 1451 7S06
Customer Service:
1-877-888-5132
PO Box 44167
Jacksonville. FL
32231-4167
S.1e Oat. Post Date
Available Credit Line Cash Advance Limit
$0 $25000
Amount Over
liredU line Past Ou.
'0.00 $3324.88
Activit, Since Lat statement
Total Credit Line
$25000
Statement!
Clo,ln9 Oat.
OS/26/2004
Reference Number
@ Mellon
Available Cash limit
$0
Purch/Adv
Minimum Due
$333.00
Hew Balance
$15788.01
Minimum
Amount Due
$15788.01
Amou.t
Please note that payments must be received by
1:00 p.m., local time. on a bank business day at
the payment processing facility that handles your
payments. in order to be credited to your account
as of that day, and ~avments must conform to
the payment instructions set forth on the reverse
side. All conforming payments received at the
payment processing facillty after that time will
be credited as of the following bank bus0gess
day.
Help is available! Please call the toll-free
number shown above to learn about our special
payment options. Call Monday - Friday. 7 am to
9 pm. or Saturday, 8 am to 5 pm. Central Time.
Please give us the opportunity to assist you.
Account SUmmary
PURCHASES
AOVANCES
TOTAL
Previous
Balance
$15,711.24
$76.77
$15,788.01
(+} Purchases
& Advances
fO.oo
0.00
0.00
(-) Payments
& Credils
fO.oo
0.00
0.00
R.t. Summary
PURCHASES
Standard Purch
Offer 5
AOYANCES
Standard Adv
Offer 4
Balance Subject to
Finance Charge
Periodic
Rate
$0.00
$0.00
$0.00
$77.48
0.06573%(0)
0.06S73%(0)
0.06573%(0)
0.06573%(0)
(+) FINANCE
CHARGE
fO.oo
0.00
0.00
(=) New
Balance
$15.711. 24
$76.77
$15,788.01
Days This 81111n9 PerIod: 29
Nominal ANNUAL
APR PERCENTAGE RATE"
23.990%
23.990%
23.990%
23.990%
EXH Jt3'~ Th
23.990%
23.990%
VERIFICATION
SUSAN CARS)' Attorney Management Specialist for Citibank (South Dakota) N.A. the within
Plaintiff in this action, and that the statements of fact made in the foregoing Complaint are true and
correct to the best of the undersigned verifier's knowledge and belief. The undersigned understands that
the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn
falsification to authorities.
Date: 7/1ll~
.[. )w~.L
~i V
Judith G. Norrie
5491492014517506
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SHERIFF'S RETURN - REGULAR
CASE NO: 2004-03887 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CITIBANK SOUTH DAKOTA NA
VS
NORRIE JUDITH G
SHANNON SHERTZER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
NORRIE JUDITH G
the
DEFENDANT
at 1800:00 HOURS, on the 12th day of August
2004
at 1126 LINN DRIVE
CARLISLE, PA 17013
by handing to
DONALD HENDRICKSON,
ADULT IN CHARGE
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:
~~
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18.00
3.70
.00
10.00
.00
31.70
R. Thomas Kline
08/13/2004
BURTON NEIL
Sworn and Subscribed to before
By:
& ASSOC #
cj~~1/V\ t.
Deputy SFieri
me this I ",A" day of
.Jf~ c211(J'1 A.D.
r! ~,. 0. /r1'u,L-- ~
'- I Prothonotary .
Re:
Citibank vs. Judith Norrie
No. 04-3887
Citibank vs. Donald Hendrickson
l&D HENDRICKSON
1126 Linn Drive
Carlisle, PA 17013
Bespons e.
No. 04-3886
Civil Action
Praecipe for Default Judgment
To Whom It May Concern:
Following is my written response to the claims set forth against me Please take this information into
consideration when making your decision. Attached is also my budget sheet, which shows my current
financial situation and a copy of the contract and POA I have signed with American Debt Negotiation &
Settlements to settle my debts. It is my wish that a reasonable solution can be worked out through them.
We currently live on a limited income. I was diagnosed with ovarian cancer in April 2003 and have
undergone extensive medical procedures. Prior to this diagnosis, I was employed full-time to rectifY our
debt. Due to the rigorous treatment schedule along with side effects, I am no longer able to work. My
husband was diagnosed with bladder cancer in 200 I and recently had a cancerous tumor removed from his
arm in December 2003.
Initially, we attempted to contact our creditors to ask for assistance; that due to our situation our finances
were tight and we requested to possibly adjust, lower our payment or interest rate to assist in alleviating our
financial struggle. We were informed by the representatives that there was nothing they could do because we
were still current and would need to be past due on our accounts.
In an effort to avoid bankruptcy because we had always been responsible people in rectifYing our debts, we
turned to American Debt Negotiations & Settlements, LLC (now NLDC) to help us with our financial
situation. We regret that this action needed to be taken, but if we had not done this, we were looking at
declaring bankruptcy immediately. We welcomed the opportunity for a more honorable way to resolve this
serious situation, and want to do the best we can for the creditors affected. We thank you for your patience
and understanding.
Sincerely,
~U~/l~~,<<'7'1-
Judith G. Norrie - Hendrickson
;21ndd /~/'c?t.~/.,----, A-
Donald Hendrickson
Budget Sheet Income vs. Expenses
Client Name: Judith G. Norrie and Donald Hendrickson
Total Monthly Income:
Retirement
Social Security (1)
Social Security (2)
TOTAL:
Monthly Expenses:
Home Payment
Home Insurance
Car Payment (I)
Car Payment (2)
Car Insurance (I)
Car Insurance (2)
Health Insurance
Dental Insurance
Life Insurance:
AAA
Legions
Veterans
PremPlus (I)
PremPlus (2)
Walmart life
ADNS Payment
Utilities (electric/water)
Telephone
Medication (approx)
Food
Gas for Car
550.00
1200.00
1050.00
$2800.00
884.26
47.33
477.18
550.03
56.83
56.39
187.66
55.44
150.09
8.17
25.98
30.50
22.20
13.20
50.04
1300.00
337.00
40.00
240.87
400.00
100.00
245.00
Hospital Exp/Dr. Bills
(7 doctors per month)
Misc. Expenses 100.00
(glasses, hearing aid expenses)
TOTAL EXPENSES: $5,228.08
As you can see our total monthly expenses far exceeds our monthly income. Weare fortunate to have two
children who provide monetary support to supplement our income in assisting with expenses. However, our
children are not able to harbor our debts to our creditors as well.
FAX TO: (818) 238-0012 Attn: Annette Hochman ADNS
APPLICATION FOR SERVICES
1. ENGAGEMENT. The undersigned ("Clientn) hereby applies for Debt Negotiation Services
and grants to American Debt Negotiation and Settlement ("The Company") the exclusive right to
negotiate with The Client's creditors, and to settle creditors' claims. The Company shall not have
the right to bind Client to any settlement without Client's prior consent. The Company does not
furnish any legal advice or legal services, nor advise Client regarding any legal issues or as to the
legal effect of any settlement. AU infonnatiOl1 regarding Client's financial condition is the sole
responsibility of Client. Client understands it is important to immediately discontinuc all
electronic debits that their creditors are deducting from their checking accounts. Client agrees to
indenmify and hold The Company and its principals harmless from any liability incurred by The
Company based on false or misleading information provided by Clieut.
2. DEBTS TO BE SETTLED. The Client has provided The Company a list of Unsecured Debts
to be negotiated by The Company totaling approximately 5130.000.0q The Client Attests that
tbese are all of their Unsecured Debts, unless otherwise mentioned herein.
3. MONTHLY DEPOSITS. The Client will make monthly deposits of51.300.00. The funds will
be transmitted via check each month to a Client Reserve Account for the purpose of settling the
debts, in approximately 48-60 months, or less if there is a mortgage refinancing, or some other
form oflump sum that may be applied toward settling the unsecured debts more rapidly. It is
understood that this is an estimate only and that The Company will make best efforts to settle The
Clients debts within this time and that The Client can accelerate settlements by making additional
deposits, at any time.
4. FEES. The Client agrees to pay The Company fees, as follows, which are deducted from their
Monthly Deposits, which remains the same throughout the term of this agreement, however may
be added to in order to accelerate settlements:
a. The Company shall be entitled to a fee in an amount equal to twenty five percent (25%) of the
differencc between the creditor's claim and the amount, which the creditor agrees to accept in full
settlement of its claim.1fthe settlement is for payment of the full amowlt ofthe creditor's claim,
but the settlement calls for installment payments. or for one or more deferred payments, then the
Company shall be entitled to a fee in an amount equal to seven percent (7"10) of the amount ofthe
creditor's claim. All settlements must be agreed upon and signed by The Client and The
Company, prior to funds being released from the Client Reserve Account.
b. Client agrees to pay a One-Time Nonrefundable Set Up fee equivalent to 3.5% of their total
Unsecured Debt amount to be managed by The Company.
c. Client agrees to PtIy a Service Fee of Fifty Dol1ars ($50.00) per month for the first ten accounts
and Five Dollars ($5.00) per month for each account over ten (10). This monthly fee will entitle
the client to ful1 service of their account for the life of their account. This includes but is not
limited to full client services, full ereditor services.
AIl,r'-
Initial Here: tT VV ""'
800!1:00 Ifl xv ~ B8: ~o POOllOllpo
5. RESPONSffiILITlES OF TIIE COMPANY AND CLIENT. The Company ..ill perform the
services called for under this contract, keep Client informed of developments. and respond
promptly to Client's inquiries and communications. Client will be tnlthful and cooperative with
The Company, keep The Company reasonably informed of developn'ents, and of its address,
telephone number, and whereabouts; and Client will timely make anJ' and all payments required
to be made under this contract.
6.NO GUARANTEED OUTCOME. The Company will perform professional negotiation
services on Client's behalf to the best of its ability, however The Company cannot make and has
not made any guarantees regarding results, Client understands that Clients credit rating can be
affected due to the nature of these negotiations. The Company's expressions about the outcome of
any matter are its best professional esrimates only, and are limited by its knowledge at the time
they are expressed.
7 . TERMINATION, The Company may withdraw from representing Client if Client fails to
promptly pay The Company's fees, if Client misrepresents or fails to disclose any material facts,
if Client acts contrary to The Company's advice, if Client does not retum The Company's phone
calls in a timely manner, or if anything else occurs that in The Company's judgment impairs an
effective relationship. Client shall have the right to terminate The Company's services at any
time, effective on thirty (30) day's written notice.
8. FEES ON TERMINATION. In the event of the termination of this ContraCt by cither party,
any accrued fee. shall be immediately due and payable. If Client agrees to a settlement with any
creditor within one year after the termination of this Contract, on terms substantially the same as
those negotiated by the Company, and presented to Client before termination ofthi. Contract,
then the Company shall be entitled to the payment of all fees as though this Contract had not been
terminated prior to Client's agreement to the settlement.
9. RETURNED CHECK FEE. There will be a fee of $20.00 charged for any returned check.
10. LEGAL DISPUTES. In the unforeseen event of any dispUte arising out of, or relating to this
Contract, both The Client and The Company agree to resolve the dispute with neutral binding
arbitration in accordance with the laws of the slate of Alabama. In the event that any provision
hereof is detennined to be illegal or unenforceable, such determination shall not affect the
validity or enforceability of the remaining provisions hereof, an of which shan remain in full
force and effect. This Agreement constitutes the entire agreement between The Company and the
Client relating to the specific subject matter hereof. There are not temlS. obligations, covenants,
representations, statements, or conditions, other than those contained herein. No variations or
modifications of this Agreement or waiver of any of the terms of provisions hereof shall be
deemed valid unless in writing and signed by both parties.
I have read, fully understand and agree with all terms and conditions Slated above.
'u<.- tk~: 6-;;f.03
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Client Signaturc(s):
Client Name(s);
Accepted by;
coo/coo IfJ
XYJ ac:zo pooz/oz/po
SPECIAL POWER OF ATTORNEY
I, J\J~;-l'~ /lJf.U.;t..-II&~h'/cI<~t1~,Born .5'/1'// SS:~SocialSecurityNo.
I r:;~ -...JQ..- /1/1 do hereby appoint American Debt Negotiations and Settlements,
LLC (its employees, assigns and/or agents, hereafter ADNS) located at 1317N. San
Fernando Blvd. #531, Burbank, CA 91504-4272, as my true and lawful attorney in fact
for me and in my name and for my use and benefit for the following purpose and with the
following powers and none other:
Any and all transactions relating to negotiation with my creditors for the purpose of
settling their claims against me. Notwithstanding the foregoing, however, no settlement
shall be binding on me without my prior written approval. ADNS (and its appointees) are
also authorized to do all things reasonably necessary and appropriate to exercise the
authority granted to it under this Power of Attorney.
In addition, I hereby appoint and authorize ADNS to request, review, and receive any
information, verbal or written, regarding my accounts, via internet, fax and/or Mail.
This power of attorney shall commence on the ..< 7 day of _ J U AJ(.
. ;;'00,7.
This Power of Attorney revokes all earlier powers of attorney given by, or on behalf of
me relating to the negotiation and settlement of creditors' claims (except for powers, if
any, given to Attorneys at law); and shall be effective, and binding on me until revoked
by an instrument in writing executed by me.
Signed under penalty of perjury of the laws of the State of~"r>S,// flfil'li IJ
that the foregoing is true and correct.
Executed this .;l7 day of JU)lt..
(' vrnA t LLAtll', , State of
, .;loo3 in the County of
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7~cM I1avu, -~ (Client) \) ud:4.. JJ,,#;t-/HA.tIf~ted Name)
~ (Wi-) ,.Iou~" Io/.U-" (PrintoIN_J
_ ~ (Witness) Af;c~ lu/I 'or!'.,,!') (Printed Name)
. -
SPECIAL POWER OF ATIORNEY
I, :J)otJA.l.1> ,,/',,-,,//:r,k..J OM . Born/d....Jll!~---' Social Security No.
.J I V -,;71 -.,;1,:2 U-ao hereby appoint American Debt Negotiations and Settlements,
LLC (its employees, assigns and/or agents, hereafter ADNS) located at 1317 N. San
Fernando Blvd. #531, Burbank, CA 91504-4272, as my true and lawful attorney in fact
for me and in my name and for my use and benefit for the following pUIpOse and with the
following powers and none other:
Any and all transactions relating to negotiation with my creditors for the pUIpOse of
settling their claims against me. Notwithstanding the foregoulg, however, no settlement
shall be binding on me without my prior written approval. ADNS (and its appointees) are
also authorized to do all things reasonably necessary and appropriate to exercise the
authority granted to it under this Power of Attorney.
In addition, I hereby appoint and authorize ADNS to request, review, and receive any
information, verbal or written, regarding my accounts, via internet, fax and/or Mail.
TIlls power of attorney shall commence on the ,;)7 day of J \A,..(..
. ~o3.
TIlls Power of Attorney revokes all earlier powers of attorney given by, or on behalf of
me relating to the negotiation and settlement of creditors' claims (except for powers, if
any, given to Attorneys at law); and shall be effective, and binding on me until revoked
by an instrument in writing executed by me.
Signed under penalty of perjury of the laws of the State of ;)(",,<...., J 4'1 ;/<"
that the foregoing is true and correct. r
recuted thisdL day of ~ JWL
,,~L.<I'" D . State of
, ;).00:1 in the COlmly of
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(Client) .UON}hD UinO~.~...,,j (PrintedName)
(Witness) {"" JtJt /~Al Nor/,'(... (Printed Name)
(Witness) JJ.cJ( :n 11'0".(;/70') (Printed Name)
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BURTON NEIL & ASSOCIATES, P.C.
Yale D. Weinstein, Esquire, Id. no. 89678
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attornev for Plaintiff
CITIBANK (SOUTH DAKOTA) N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 04-3887
JUDITH G. NORRIE
Defendant: CNIL ACTION - LAW
Motion of Plaintiff for Judgment on the Pleadings
Now comes plaintiff by its undersigned attorneys, and moves this Honorable Court
pursuant to Rule 1034 of the Pennsylvania Rules of Civil Procedure, for judgment on the
pleadings and in support thereof states:
1. Plaintiff filed a complaint against defendant for the credit card account balance due it.
2. Defendant filed an answer to the complaint.
3. The pleadings are closed.
4. There are neither factual nor legal issues before the Court creating a need for trial.
Therefore, plaintiff is entitled to judgment as a matter of law.
Wherefore, plaintiff moves this Honorable Court for judgment on the pleadings.
BURTON NEIL & ASSOCIATES, P.C.
In making this communication, we advise our firm is a de t ollector.
eins ,squire
for Plaintiff
-----
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PRAECIPE FOR LISTING CASE FOR ARGUMENT
{Must be typewritten and submitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLAND COUNTY:
Please list the within matter for the next Argument Court.
-------------------------------------------------------------------------------..--------------------------------------------
CITIBANK (SOUTH DAKOTA) N.A.
Plaintiff
vs.
mDITH G NORRIE
Defendant
NO. 04-3887 Civil
1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint,
etc.):
Motion for Judgment on the Pleadings
2. IdentifY counsel who will argue case:
(a)
for plaintiff:
address:
Burton Neil, Esquire c/o Burton Neil & Associates, P.C.
1060 Andrew Drive, Suite 170, West Chester, PA 19380
b)
for defendant:
address:
pro se
1126 Linn Drive, Carlisle, PA 17013-4248
3.
I will notifY all parties in writing within two daYSlhat"th7:ase has been listed for argument.
Argument Court Date: August 24:, 2005 i
/
/
B4~~, Attorney for the Plaintiff
4.
The law firm of Burton Neil & Associates is a debt collector.
BURTON NEIL & ASSOCIATES, P.C.
By: Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Ste 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
CITIBANK (SOUTH DAKOTA) N.A.
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY, PENNSYLVANIA
vs.
: NO. 04-3887
JUDITH G NORRIE
Defendant
: CIVIL ACTION - LAW
CERTIFICATE OF SERVICE
I, Burton Neil, Esquire do hereby certifY that a I served a true and l:orrect copy of the within Praecipe for
Argument on defendant Judith G Norrie at her address of record via first class mail, postage prepaid on
the date set forth below.
I
~ 1-4./ D~
IL & ASSOCIATES, P.C.
Date:
"BY:
i
Burton N~, Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
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BURTON NEIL & ASSOCIATES, P.C.
BY: Yale D. Weinstein, Esquire
Identification No. 89678
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
ATTORNEY FOR: Plaintiff
CITIBANK (SOUTH DAKOTA) N.A.
: IN THE COURT OF COMMON PLEAS
Plaintiff
: CUMBERLAND COUNTY, PENNSYL V ANM.
VS.
: NO. 04-3887
JUDITH G NORRIE
Defendant
: CNIL ACTION - LAW
PRAECIPE TO DISCONTINUE
TO THE PROTHONOTARY:
Kindly discontinue the above-captioned action without prejudice.
B .
. einstein, Esquire
orney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
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