HomeMy WebLinkAbout11-6321SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff _ FILED-OFF iCrE
??tittttM' at 4rr,rr?irr/v??ct (jr THE PRO T HONV TAR'1`
Jody S Smith
Chief Deputy 2011 AUG 24 PM 3: 53
Richard W Stewart
Solicitor CUMBERLAND COUNTY
PENNSYLVANIA
Cavalry Portfolio Services, LLC
vs.
Brenda Allander
Case Number
2011-6321
SHERIFF'S RETURN OF SERVICE
08/18/2011 04:15 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on August
18, 2011 at 1615 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Brenda Allander, by making known unto herself personally, at 12 Windsor Way, Camp
Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally
the said true and correct copy of the same.
SHERIFF COST: $43.00
August 19, 2011
R+BT IT NER, PUTY
-q ' - -
SO ANSWERS,
RON R ANDERSON, SHERIFF
ci wy A erff t¢ --t Inc
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY`'
PENNSYLVANIA
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CIVIL DIVISION :Z;70 G-13 --
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CAVALRY PORTFOLIO SERVICES, LLC <a `-r
assignee of CAVALRY SPV I, assignee MC)
of CHASE/WASHINGTON MUTUAL,
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Plaintiff(s) Docket No.: 11-6321-Civil Term
V.
BRENDA ALLANDER,
Defendant(s)
PRAECIPE FOR APPEARANCE
Filed on Behalf of Defendant
Counsel:
The J. Murphy Firm
210 Grant Street, #301
Pittsburgh, PA. 15219
(412)521-2000
Joe Murphy, Esquire
Pa. Supreme Court I.D. 83120
? r
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
CAVALRY PORTFOLIO SERVICES, LLC
assignee of CAVALRY SPV I, assignee
of CHASE/WASHINGTON MUTUAL,
Plaintiff(s) Docket No.: 11-6321-Civil Term
V.
BRENDA ALLANDER,
Defendant(s)
TO THE PROTHONOTARY:
Kindly accept my appearance on behalf of The Defendant.
JD"u rpyy
83120 ;
T#e r: Murphy Firm
210 Grant Street, #301
Pittsburgh, PA. 15219
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUN c r-=
PENNSYLVANIA =?1'
r
rv
CIVIL DIVISION `-A CD
CAVALRY PORTFOLIO SERVICES, LLC =? ov
assignee of CAVALRY SPV I, assignee
v?
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of CHASE/WASHINGTON MUTUAL
,
Plaintiff(s) Docket No.: 11-6321-Civil Term
V.
BRENDA ALLANDER,
Defendant(s) PRELIMINARY OBJECTIONS TO
COMPLAINT
Filed on Behalf of Defendant
Counsel:
The J. Murphy Firm
210 Grant Street, #301
Pittsburgh, PA. 15219
(412)521-2000
Joe Murphy, Esquire
Pa. Supreme Court I.D. 83120
RIC .??1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
CAVALRY PORTFOLIO SERVICES, LLC
assignee of CAVALRY SPV I, assignee
of CHASE/WASHINGTON MUTUAL,
Plaintiff(s) Docket No.: 11-6321-Civil Term
V.
BRENDA ALLANDER,
Defendant(s)
CERTIFICATE OF SERVICE
I, Joe Murphy, counsel for the Defendant in the above captioned
matter, do solemnly swear that the foregoing
8' PPEARANCE
E PRELIMINARY OBJECTIONS TO COMPLAINT
BRIEF IN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT
CJ MOTION/REQUEST/PRAECIPIE FOR ARGUMENT
were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below:
Jorge Pereira, Esq.
101 N. Cedar Crest Blvd.
Allentown, PA. 18104
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
CAVALRY PORTFOLIO SERVICES, LLC
assignee of CAVALRY SPV I, assignee
of CHASE/WASHINGTON MUTUAL,
Plaintiff(s) Docket No.: 11-6321-Civil Term
V.
BRENDA ALLANDER,
Defendant(s)
PRELIMINARY OBJECTIONS TO COMPLAINT
Now comes the Defendant, by and through counsel, the J. Murphy
Firm, and Joe Murphy, Esquire and bring(s) and file(s) the within Preliminary
Objections to Complaint, averring in support thereof as follows:
OBJECTIONS TO CONTRACT CLAIMS
1. The Complaint references a credit agreement or contract.
2. No averment is made as to whether said agreement is oral, or
written.
3. The foregoing amounts to a violation of Pa. R.C.P. §1019(h), as
amended, which requires that, "When any claim or defense is
based upon an agreement, the pleading shall state specifically if the
agreement is oral or written."
4. Accordingly, the Complaint is the proper subject of preliminary
objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of rule of
court 1019(h).
5. Although the Complaint references a credit agreement or contract,
no copy of the agreement or contract is attached thereto.
6. The foregoing amounts to a violation of PA. R.C.P. §1019(1).
7. Accordingly, the Complaint is the proper subject of preliminary
objections pursuant to Pa. R.C.P. §1028(a)(2) for failure to conform
to Rule of Court 1019(1).
OBJECTIONS TO ASSIGNMENT OR DEBT BUYING ARRANGEMENT
8. The Complaint references an assignment, succession of interest,
debt buying arrangement, or the like.
9. Although the Complaint references an assignment, succession of
interest, debt buying arrangement, or the like, no copy of said
agreement is attached thereto.
10. The foregoing amounts to a violation, inter alia, of Pa. R.C.P.
§1019(1).
11. Pursuant to Pa. R.C.P. §1028(a)(2), the Complaint is the proper
subject of preliminary objections for failure to comply with rule
1019(i).
OBJECTIONS DIRECTED TOWARD LACK OF SPECIFICITY
12. Pa. R.C.P. 1019 requires, inter alia, that facts be pled and that
items of special damage be pled with specificitx.
13. In the context of a credit case, the facts and items of special
damage, which are to be pled, include the dates and amounts of
charges, fees, fines, interest, and the like.
14. In the context of a credit case, the requirements of 1019 are
normally met by attaching copies of an un-interrupted chain of
statements, starting with a zero balance and ending with a
statement showing the amount sought in the complaint.
15. It is respectfully submitted that the neither the Complaint, nor the
documents attached thereto, sufficiently or specifically plead the
facts and items of special damage underlying the case.
16. This renders the Complaint the proper subject of preliminary
objections, pursuant to Pa. R.C.P. 1028(a)(2), for failure to
conform to Rule of Court 1019, and the proper subject of
preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for
insufficient specificity.
OBJECTIONS TO VERIFICATION
17. The Complaint is verified by counsel.
18. A verification by counsel can be appropriate only if same complies
with Pa. R.C.P. 1024(c).
19. Said verification does not comply with Pa. R.C.P. §1024(c).
20. Accordingly, the Complaint is the proper subject of preliminary
objections, pursuant to Pa. R.C.P. 1028(a)(2) for failure to comply
with Rule 1024(c).
WHEREFORE, Defendant respectfully prays that the Complaint filed by
the Plaintiff be dismissed with prejudice, or, in the alternative that the
complaint be stricken, and the Plaintiff be required to plead over in accord
with the Rules of Court.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
CAVALRY PORTFOLIO SERVICES, LLC
assignee of CAVALRY SPV I, assignee
of CHASE/WASHINGTON MUTUAL,
Plaintiff(s) Docket No.: 11-6321-Civil Term
V.
BRENDA ALLANDER,
Defendant(s)
- ORDER -
On this day of , 20 , it is hereby
ORDERED that Plaintiff's Complaint is stricken. Plaintiff may file an amended
complaint within 30 days. If Plaintiff fails to file an amended complaint within the
time set forth above, the Prothontary, upon praecipe of the Defendant, shall dismiss
this case with prejudice.
BY THE COURT:
J.
I!. Ug
PRAECIPE FOR LISTING CASE FORARGUMEN?(IIMM8 GLAND COUNTY
(Must be typewritten and submitted in triplicate) FINNS YLVANiA
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next
Argument Court.)
CAPTION OF CASE
(entire caption must be stated in full)
C'\.-c\???
VS.
-B r" (:-\ 4 ? ? CAA)
No. Term
State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to
complaint, etc.): 4-c, c 1
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
,/if 10 , 091
(b) for defendants
/c/
11 ie and Address)
8'i ocl
(Name and Address)
3. 1 will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Date: 16.1.((
Cec/c- Cre5 /-6 /Ui?)
nt " Print your name
Date: Attorney for
INSTRUCTIONS:
1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR
(not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case Is rellsted.
R
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON
MUTUAL,
Plaintiff
vs.
BRENDA ALLANDER,
Defendant
CIVIL ACTION c-) r.3 '
C=
CASE NO.: 11-6321 Civil Ter ?m r
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
TWENTY (20) DAYS AFTER THIS COMPLAINT IS 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.
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
(800) 990-9108
DOUGLAS M. MARINOS
& ASSOCIATES, P.C.
By: -C
Jor ereira, Esquire
A* #75242, Atty for Plaintiff
101 . Cedar Crest Boulevard
Allentown, PA 18104
(610) 434-2814
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASEIWASHINGTON
MUTUAL,
Plaintiff
VS.
BRENDA ALLANDER,
Defendant
CIVIL ACTION
CASE NO.: 11-6321 Civil Term
AMENDED COMPLAINT
1. Plaintiff, Cavalry Portfolio Services, LLC, As Assignee of Cavalry SPV I, LLC,
As Assignee of Chase/Washington Mutual ("Cavalry") is a limited liability company with an address
of 500 Summit Lake Drive, Valhalla, New York, 10595.
2. Defendant, Brenda Allander, is an adult individual with an address of 12 Windsor
Way, Camp Hill, Cumberland County, Pennsylvania 17011-1750.
3. Chase/Washington Mutual issued the Defendant a credit card subject to the terms
of the Cardmember Agreement ("Cardmember Agreement"). A true and correct copy of the
Cardmember Agreement is attached hereto, made a part hereof and marked as Exhibit "A".
4. The hard copy of the application and assignments are in offsite storage and is
therefore not accessible at the time of this writing and will not be attached pursuant to Pa R.C.P.
1019(1).
5. Cavalry SPV I, LLC purchased the account from the original creditor,
Chase/Washington Mutual.
6. The account was then assigned to Cavalry Portfolio Services, LLC by Cavalry
SPV I, LLC.
7. Defendant has incurred charges for purchases, interest, cash advances and/or
finance charges in the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-NINE AND
39/100 DOLLARS ($12,529.39) as of August 4, 2011. True and correct copies of account
statements are attached hereto, made a part hereof and marked as Exhibit "B".
8. Defendant's obligations are based on a subsisting debt, were in writing and arise
from a preexisting account.
9. Defendant has defaulted on her obligation to make payments to Cavalry by failing
to make monthly payments when due.
10. Pursuant to the Agreement, Cavalry may declare all amounts due under the
Agreement immediately due and payable without notice or demand.
11. Under the Cardmember Agreement, Defendant is required to pay all the attorney's
fees Cavalry incurred in exercising its right to collect, which Cavalry anticipates to be in the amount
of TWO THOUSAND FOUR HUNDRED ELEVEN AND 36/100 DOLLARS ($2,411.36).
12. As of August 4, 2011, Defendant is indebted to Cavalry under the Agreement in
the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-NINE AND 39/100
DOLLARS ($12,529.39), plus interest accruing from and after August 4, 2011 at the per annum rate
of 18%.
13. Pursuant to PA.R.C.P. 1024, Plaintiff's counsel has executed the Verification on
behalf of Plaintiff as Plaintiff's primary business is located in New York, outside the jurisdiction of
this court, and the verification cannot be obtained within the time allowed for filing of this pleading.
14. Plaintiff's counsel has sufficient knowledge and information or belief of the facts
set forth in the Complaint as Plaintiff has communicated all facts directly to Plaintiff's counsel.
WHEREFORE, Cavalry demands judgment against the Defendant in the amount of
FOURTEEN THOUSAND NINE HUNDRED FORTY AND 75/100 DOLLARS ($14,940.75)
(comprised of real debt in the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-
NINE AND 39/100 DOLLARS ($12,529.39) and anticipated attorney's fees in the amount of TWO
THOUSAND FOUR HUNDRED ELEVEN AND 36/100 DOLLARS ($2,411.36)) plus interest from
and after August 4, 2011, at the per annum rate of 18% and costs of suit.
DOUGLAS M. MARINOS
& ASSOCIATES, P.C.
By: ?.
J ereira, Esquire
A #75242
A Viev' for Plaintiff
101 N. Cedar Crest Boulevard
Allentown, PA 18104
(610) 434-2814
ATTORNEY VERIFICATION
I, JORGE M. PEREIRA, ESQUIRE, do hereby verify that I am the Attorney for
Plaintiff, Cavalry Portfolio Services, LLC, As Assignee of Cavalry SPV I, LLC, As Assignee of
Chase/Washington Mutual, that I am fully authorized to make this verification on its behalf and that
the Plaintiff is unavailable to make this Verification and that the facts set forth in the attached
pleading are true and correct to the best of my knowledge, information and belief and that the source
of my information is interviews with my client and the Plaintiffs filed documents.
Verifier understands that false statements herein made are subject to the penalties of
18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities.
Dated: Q ?? !P
e . Pereira, Esquire
t
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON
MUTUAL,
Plaintiff
VS.
BRENDA ALLANDER,
Defendant
CIVIL ACTION
CASE NO.: 11-6321 Civil Term
CERTIFICATE OF SERVICE
I, JORGE M. PEREIRA, ESQUIRE, do hereby certify that on September 9, 2011, I served
a true and correct copy of the Amended Complaint in response to Defendant's Preliminary
Objections on the persons set forth below by first class mail, which service satisfies the
requirements of the Pennsylvania Rules of Civil Procedure and local rules, at the address noted
below:
Joe Murphy, Esquire
The J. Murphy Firm
210 Grant Street, Suite 301
Pittsburgh, PA 15219
DOUGLAS M. MARINOS & ASSOCIATES, P.C.
By: !?^---
J . Pereira, Esquire
.#75242
A rney for Plaintiff
101 N. Cedar Crest Boulevard
Allentown, PA 18104
(610) 434-2814
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M WaMu-
(1. t ax 660133, Deals, TX 75266-0433
In ticate change of address on back
VIE!it I warm to Theft Inspect Premier.
I at thorize theedbenefits provider to and
aid tot e fee oaf. $1179mfroM.h tom aulamaticaly
3 lie I to my account aRer 30 da)a.11u)
WA: HINGTON MUTUAL CARD SERVICES
P.O. SOX 680487
DAL ?kS TX 75266.0487
11111 161 1166111111111IL1111111111LLrr1111L1111111r111
Payment Minimum Balance as of Account
Due Date Payment 11/21/2007 Number
12!18/07 51,070.00 58,934.35 4031-1427-0091-0420
AMOUNT ENCLOSED (was blue or black ink)
W ?0FI??.??
N
pee Make Checks Payable to Washington Mutual
BRENDA ALLANDER 29088
12 WINDSOR WAY
CAMP HILL PA 17011-1750
u 1 1 1 1 11 1 1 1 1 n u u I I I 1111111111111111111 11 11 111111111111111
4031142700910420 0107000 08934350015000 23
DETACH HERE
c 609:'. 0894 105 2 7 23 071121 PAGE 1 of 1 COLR204C 9000 01AS6092 29088
im portent Messages
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment fisted above along
wiih the overlimit amount immediately. You may also call us at 1-800-280-9441 or visit us at www.wamucanhelp.comfor
payment options.
CORRECTION NOTICE: We sent you a Change In Terms to your Account Agreement with your September billing
statement. As part of that Change In Terms, we restated the formula for calculating your current Default APR in the
'Important Messages' section of your statement Unfortunately, the formula was incorrect, please ignore It The formula for
calculating your Default APR remains the same as it was before the incorrect formula was printed on your statement and is
as follows:
Default APR: Prime Rate +23.74%.
If you have any questions, please call 1-800356.0011.
Our Web site has an exciting new boll irs now simpler to access all the info you went - balance due, payment due date,
recent transactions, your credit score, and more. Plus, irs still easy as ever to make a payment. NoWs the time to get
started at wamucards.com
Nov 21 Nov 21 OVERLadn FEE. gg00 $39.00
Overlmkby .35 on I IM W7
.
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category,
Average Dally Periodic Corrosponding Finance Grace
Dally Balance Rats APR Charge Terms
Purchase - Current Cycle $4,334.15 .0663%• 31.49%' $112.21 Term A
Cash - Current Cycle $4,406.61 .0863%• 31.49%' $114.14 Term B
Effective ANNUAL PERCENTAGE RATE (APR): 31.06%_ "Thew ?ates ,may Vary
The Corresponding- APR Is the rate of interest you pay when you party a balance on purchases or cash advances
The Effective APR
.
your total finance charges - Including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. represents
For 24-hour Automated Account Information, plea" call 1-866-892 WAMU(9268) or visit us at www.womucwde.com
Your account is Issued by Washington Mutual Bank, Henderson, NV.
We`ve made things simpler at wamucards.com.
It's now easier than ever to manage your credit card account online. Our streamlined
navigation lets you move around the site faster, plus there's enhanced security, transactions
at a glance, and more.
Your card Atbouirta Naks a r!ayment Credit ProRle Trsiedux a Belanee
Tramtactim Hlatory Order Statement Manage Your Account Off. • Card f nhanumenbs
Go to wamucards.com today!
2SOL9721
M WaMu-
P O. Boa 660633, Debt, TX 75266-0433
indicate change of address on back
YES! 1 want ID Theft Inspect Prymier
I allligd76 the d4?8110116 provider to
ddp?haUl aid
and the tee of 17dgagW/?11?lh Ilhebe t atilomarlicaaply
billed to my account after 30 days. (D)
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
1116111 111 1 11111 11 1116111131114 I I 1 D 111111 r I r 13111 II t
Payment Minimum Balance as of Account
Due Date Payment 1212012007 Number
otn6/oe 5323.00 58,062.87 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or bhck ink)
$0000[200
N
OoD Make Checks Payable to Washington Mutual
BRENDA ALLANDER 12063
12 WINDSOR WAY
CAMP HILL PA 17011-1750
I II11141III114111111111u11I14111611111441I611111II I
4031142700910420 0032300 0806287'0107000 23
I
DETACH HERE
c 6092 0903 105 2 7 23 071220 PA04 1 0f 1 coLR204c Nooo 0IM6092 12062
W Account Summary
r"•'.ut"'[.!!u!.n, ?r'?_. t403142T 0 p~/,T{
~
Statement Closn Date
12/20107 Credits & Pa
menis $1,070,00
I Y {
?
Credit tine $8,410.00 Cash Advances E
o 00
+
Available Credit for Cash Advances as of 1;120107 $347.00 NEW BALANCE - $8,062.87
Transaction
flan Post
Date Date Description Referents Number Amount
Nov 23 t'teV 23 PAYMENT RECEIVED - THANK YOU 74186867327564061736429 0000 $(1.070.00)
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,733.02 .0856% 31.24%' $92.67 Tenn A
Cash - Current Cycle $4,264.10 .0856% 31.24%' $105.85 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR) : 29.78% "These rates may very.
The Corresponding APR is the rate of interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total finance charges - including transaction lees such as cash advance and balance transfer fees - e
Apressed
as a percentage.
For 24-hour Automated Account Information, pies" call 1-866-892-WAMU(9268) or viattus at www.womucards.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
%%Mu ID Theft Inspece Premier
Well fight ID theft, so you can rest easy.
Millions of Americans'falI victim to identity theft every year. Protect yourself today
by signing up for ID Theft Inspect* Premier. With your membership, you'll get:
• Reports and scores from all three credit bureaus
• Monitoring of your credit information every business day
• Access to fraud specialists if there's a problem
• Surveillance of Internet chat rooms where credit card information is illegally traded
• Prompt alerts by email, mail, phone, or text
Sign up for ID Theft Inspect Premier today.*
Simply initial the enrollment box at the top of your payment coupon.
*See the enclosed ID Theft Inspect Premier insert for more information.
161DR720
®WaMU- Payment Minimum Balance as of Account
Due Date Payment 0112212008 Number
P O. Box 660!33, Dams, TX 76266-OM
02/18/08 5697
00 58
390
11 4031
1427
0
' Indicate change of address on back . ,
.
-
-
091-0420
AMOUNT ENCLOSED (we blue or block ink)
$ DOOMED
N
ODD Make Checks Payable to Washington Mutual
50012078432611
asn7
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 17011-1750
ta?t?tlut?t?r?Iurl?n??nn?n??u?rlutllnlt?ut???nt? ?nt??Iut???uuullntllnrll?ntlt?rlrl?nnul?n?t?r?n
4031142700910420 0069700 0839011 0107000 23
DETACH HERE
c 6092 0933 105 2 7 23 080122 PAGE 1 of 1 MIM048 6000 0IM6092 28577
Important Messages
YOUR ACCOUNT IS PAST DUE. Please pay the minimum payment fisted above immediately. You may also call us at
1-800-280-9441 or visit us at www.wamucenhelp.comfor payment options.
FEDERAL TRUTH IN LENDING DISCLOSURES UPON RENEWAL OF ANNUAL FEE. SEE REVERSE FOR
IMPORTANT INFORMATION.
Statement Chin Date 01/22108 Credits & P meats $0.00
a1 Yaw J"3{?wadd3 '?yv tPY00
??
Credit Line $8,410.00 Cash Advances
+ $0.00
Available Credit for Cash Advances as of 01/22/08 $0.00 NEW BALANCE -
r* $8,390.11
Transactions
gran post
Data Date Description Reference Number Amount
an 17 Jan 17 LATE PAYMENT CHARGE DODO $38.00
Jan 22 Jan 22 ANNUAL FEE 0000 $59.00
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Dally Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,813.32 .0849% 30.99%• $166.84 Term A
Cash - Current Cycle $4,368.91 .0849%• 30.99%• $122.40 Tenn B .
Etfeci lve ANNUAL PERCENTAGE RATE (APR) : 33.62% 'These rate s maw vary.
The Corresponding APR Is the rate of Interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total finance charges -including transaction fees such as cash advance and balance transfer fees - expressed as a percentage.
For 24-hour Automated Account IMonnatlon, please call 1-866-892-WAMU(9268) or visit us at www.wamucards.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
M WaMu-
P O. Box 660433, Dales, TX 75266-0433
Indicate change of address on back
CradtProP ectim fit with
1apce b dla encbsed CP Tefms 3 Caldlias and
@umortm the mor a mernbersbb ree a $o.79 cer
$100 a my balance o be tilted to n?f aocotnt.
(/?
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266.0487
I III III lnrlrlrilurllulinulullulrlnRill I lrinrllinr
Payment Minimum Balance as of Account
Due Date Payment 0221/2008 Number
o3noroe 5317.00 57,t1oo.s7 4031-1427-0091-0420
AMOUNT ENCLOSED (uaa blue or black ink)
$000001-10
N
. 000 Make Checks Payable to Washington Mutual
35328
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
Inlllnrll611111113nlllnllLrILIIL16nrullu66lr.
4031142700910420 0031700 0790057 0069700 23
nportant Messages
11ways remember to allow time for payments to reach us by the Payment Due Date and check your available credit line
lefore using your card. You could incur fees and see your APRs increase If we don't receive your minimum payment on time
xyou go over your Credit limit arty time during a billing cycle.
DETACH HERE
01"6092 35328
0 6092 1005 Dos 2 7 23 000221 PAGE 1 of 1 COLR204D 10000
Account Summary
tta
? ..1
-Statement Closin Date
=21A78
Credts b Pa is $697.00
w
Credit Line $8,059.00 Cash Advances +
s-
. MM'0 r a
dt3
AvaiLible Credit for Cash Advances as of 02/21108 $158.00 NEW BALANCE - $7,900.57
s Ca?1re?` c:
Transactions
Tran Post
Date Date Description Reference Number Amount
Feb 18 Feb 18 PAYMENT RECEIVED -THANK YOU 741 0000 $(697.00)
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,911.78 .0828% 30.24%' $97.17 Tenn A
Cash - Current Cycle $4,440.13 .0828V 30.24%' $11029 Term B
Effective ANNUAL PERCENTAGE RATE (APR): 29.809E 'These rates may vary. The Corresponding APR is the rate of interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total finance charges - Including transaction fees such as cash advance and balance transfer fees - expressed as a percentage.
For 24-hour Automated Account Information, pleap call 1-866-892-WAMU(9269) or visit us at www.womucarde.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
Financial flexibility GredR Protection can make life more manageable by:
• Putting your account payments on hold for up to 12 months-
and security- • Suspending your fees and finance charges for up to 12 months=
when you need • Having your account balance with us canceled for up to
them most $10,000*
Sign up today! Simply initial the Credit Protection box on
your payment slip at the top of your statement.
'See the enclosed Credit Protection insert for more information (including.eligibility requirements,
conditions, and applicable monthly fees).
1509706
WaMu-
] B , 660433, Dshs TX 75286-0033
nc icate change of address on back
Ve need your contact Info! %I contact you in
ase of fraud on your a=jnt.To update your Morle
umbers, Use the flack of the paylrlent capon,
all 800.280.0561, or go to wannicardscom.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
III 111111rtt1t1l11nt11IT 11rtu1ti11n1l1111111
Payment Minimum Balance as of Account
Due Date Payment 03125noo8 Number
oazl/os 5312.00 57,797.04 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
$ ?OOM. ??
N
000 Make Checks Payable to Washington Muhel
8765
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
I I IIIImIIIunuIIwIInl[III tilIfIIIilnut??tt?l?l?n
4031142700930420 0031200 0779704 0031700 23
DETACH HERE
c 6092 1-5 305 2 7 23 060325 PATH 1 of 3 COLR204D ao00 01Aa6092 8765
nportant Messages
'Please review and keep the Important Notice of Changes to your Account Agreement at the end of this
datement"
low there's an easier way to pay your federal tax bill. Use your WaMu credit card and pay online. NPs fast easy and
ecure. Just login at wamucards.com to seam more.
Statement C .Date 03125/08 Credits 6 P ants $317.00
• Credit Line ._,,.._ _._. s ." ._. 05
9
.00 Cash Advances . + .. $0.00
g
??
Available Credit for Cash Advances as of 03125!08 $261.00 NEW BALANCE - $7,797.04
Transactions
jran Post
Date Data Reference Number Amount
Mar 19 Mar 19 PAYMENT RECEIVED - THANK YOU - 74185888079554003556861 0000 S 317 00)
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase.- Current Cycle $3,589.47 .0815% 29.74%' $96.54 Tenn A
Cash - Current Cycle $4,347.58 .0815V 29.74%' $116.93 Term B
Effective ANNUAL PERCENTAGE RATE (APR) : 32-27% 'These rate s may vary.
The Coaeepording APR is the raft of interest you pay when you carry a balance on purchases or cash advances. The Etlec1iva APR represents
your total finance charges - including transaction tees such as cash advance and balance transfer We - expressed as a percentage.
For 244mr Automated Account Information, please call 1-866 892-WAMU(9268) or visit us at www.womucardacom
Your account is Issued by Washington Mutual Bank, Henderson, NV.
IMPORTANT NOTICE OF CHANGES
TO YOUR WASHINGTON MUTUAL VISA•1MASTERCARD•
ACCOUNT AGREEMENT
MARCH 2008
Issuer. Washington Mutual Bank, Henderson, NV
As explained below, we are amending your VIWMasterCard Account Agreement These changes will become effective
on May 1, 2008 (the "Effective Date"), unless otherwise Indicated below. The following explains these changes. All
other provisions of.your Account Agreement remain In effect Please read this entire notice carefully and keep it
for your records.
Summary of Changes
If not already applicable to your Account, the following term changes will be effective on the first day of your first
billing cycle that starts after the Effective Date:
Default APR: The Rime Rate plus 23.99%. This APR may vary with changes in the Prime Rate.
Please see the Amendments to section 4 below for a full disclosure regarding changes to your Default APR.
If not already applicable to your Account, the following term changes will be effective on May 5, 2008:
Returned Payment Fee: $39.
Please see the Amendments to section 5 below for a full disclosure regarding the Returned Payment Fee.
H you do not wish to accept these changes to your Account Agreement, you must notify us in writing by April
30, 2008; include you name, address, and telephone number, and tell us that you wish to dose you Account
and keep your current terms. Please nuke: Any of the terms that are already applicable to your Account will
remain M etTcct If you c1mose to opt out and dose you Account Please send you written notice, allowing
sufficient time for us to receive it by the deadline, to Card Services, Reference 000308, P.O. Box 99606,
Arlington, TX 76096-9606.
The following explains in full the changes to your Account Agreement. Some of these changes may already be a
part of your Account Agreement. AD other provisions of your Account Agreement remain in effect
Amendment to Section 4 Finance Charoes
Beginning on the first day of your first billing cycle that starts after May 1, 2008, the Defatdt APR paragraph of
section 4 is amended to read as follows:
Default APRs: We will not increase your APRs solely as a result of your being reported delinquent on an account
with another creditor. However, each time you default on this or any Washington Mutual account because you fail to
make at least the Minimum Payment by the Payment Due Date, exceed your Credit Line, or make a payment to us
that is not honored by your bank, we may increase the APRs on your Account up to a maximum of the Rime Rate
plus 23.99% (Me 'Default APR"). Using the Rime Rate in effect for billing cycles beginning In January 2008 as an
estimate, the Default APR would be 30.49% (0.0835% corresponding daily periodic rate). Factors considered in
determining whether and by how much to increase your APRs include the frequency and severity of defaults and
other indicators of Account usage and risk on accounts with Washington Mutual. We will also consider your overall
credit risk, as reflected by a variety of Internal and external credit-scoring models. These models consider your
performance on accounts with Washington Mutual and other creditors.
Amanda to SOWN 6. Dow Few
Begiming May 5, 21X18, the Retuned Payment paragraph of section 5 Is amended to read as follows:
Retuned Payment Fee. N your payment Item is retuned to us unpaid for any reason, we may charge a fee of $39.
If you would like a statement of specific reasons why we have decided to amend your Account Agreement, please
write to us (include your name, address, and Account number) or cell us, within 60 days of the data you receive this
notice, at Card Services, Reference RL0308, P.O. Box 99606, Arlington, TX 76096.9606; tog-free 1-800-356-0011. All
other Irpukies should be directed to Card Services, P.O. Box 660509, Dallas, TX 75266-0509. You are entitled to the
statement of specific reasons within 30 days of your request
The federal Equal Credit Opportunity Act prohibits credtors from discriminating against credit applicants on the basis
of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to ender into
a binding cont acQ; because all or part of the applicant's Income is derived from any public assistance program; or
because the applicant has In good faith exercised any right under the Consumer Credit Protection Act. The federal
agency that administers compliance with this law concerning this creditor is the Office of Thrift Supervision, P.O. Box
7165, San Francisco, CA 94120.
14CCM
.092 1025 105 2 7 33 0,0325 PAO9 2 of 3 COL9206D 9000 .1 6092 8765
III -
M WaMu-
PO. B.. 660433, 0e11s9, TX 75266-0433
Ondicate change of address on back
YESI I want ID Theft 41sped Prgmfer.
I authorize the prodder 'A
ttar and
monitor my a data I. the a bureaus
and Ox fee of 17.?hnmN to be automatically
billed to my account after 30 days. ()
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
rnIII IImIrI oil till IuIInuIuIInIrIntIInIrInnllIttI
Payment Minimum Balance as of Account
Due Date Payment 04/23/2008 Number
05/20/08 5269.00 $7,665.60 4031-1427-0091-0420
AMOUNT ENCLOSED fun blue or black ink)
00000.00
N
000 Make Checks Payable to Washington Mutual
BRENDA ALLANDER 31291
12 WINDSOR WAY
CAMP HILL PA 17011-1750
uhlllnrll?nuu??ur?lurlllnn?t?r?r??uun?ltrlrlt?n
4031142700910420 0026900 0766560 0031200 23
DETACH HERE
0 6092 1052 "G 1 7 23 080623 PAGE 1 or 1 MLU048 x000 01AS6092 31281
mportent Messages
3reak free from winter, spring is here. Use checks to access your credit line and make the most of the season.
fou still have time to pay your taxes. Use your WaMu credit card and pay online. It's fast, easy and secure. Just go to
vamucards.com to learn morel
Ire you ready to rock? Turn up your bank (TM) for some sweet perks) Visit www.wamulive.com for details on the latest
shows and to stay connected to your favorite artists. WaMu. Bank Minded. Wild at heart (TM)
Narealem uvising Dale 04PA3/06 Cre?sii_Payments ¦¦¦¦-'.
Credit Line $8.069.00 Cash Advances + 50.00
Avell" Credit for Cash Adwnces as of 04WAN $393.00 NEW BALANCE 57.686.80
iS1T?''?'rI_',P
Iran Post
Date Date Description Reference Number Amount
Apr % Apr 21 PAYMENT RECEIVED - THANK YOU 74186868112654041409486 0000 312.00)
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Deily Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,488.08 .0794%' 28.99%` $80.32 Term A
Cash - Current Cycle $4,353.17 .0794% 28.99%' $10024 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 27.63% 'These rates may very,
The Corresponding APR Is the rate of Interest you pay when you carry a balance on purchases or cash advances. The Effective APR represent
your total finance charges - Including bansactlogfeas such as cash advance and balance transfer fees - expressed as a percentage.
For 24-hour Automated Account Mformatlon, plesse call 1=868-892-WAMU(9268) or visit us at www
womucards
com
.
Your account Is Issued by Washington Mutual Bank, Henderson. NV. .
Refinance. New home. We offer a variety of loan products at competitive
Second home rates and a team of experienced Loan Consultants.
'
. Because you
re a valued customer, your application
At WaMu, we're here to help you fora new loan will be reviewed quickly and the
transition will be easy.
achieve your goals. Call us today at 966.566.7201 or visit us at
wamu.ctmm/greatloan
Washington Mutual programs,. rates, and terms subject to change. Certain restrictions and Q
conditions apply. Some programs may not be combined with others. Not all features are
?r
available on all products.
15HPBa01
M WaMu•
C . E- 660133. Delia, TX 75286-0433
_In aicate change of address on back
YES! Protect my account with OPTIONAL
re
fit Protection
IT ID the anclosed CF Terms 8 Cmdtlas and
?ldflirtze the mordhN memt>erahq tee if $0.79 per
Oc of my balance o he deed to nN aeealys (/?
501]2/78432611
Payment Minimum Balance as of Account
Due Date Payment 05/2312008 Number
06/ta/oe 5288.00 s7,s7e.7a 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
?????. ?EI
N
orb Make Checks Payable to Washington Mubwl
WP 3HINGTON MUTUAL CARD SERVICES 40354
BRENDA ALLANDER
P.C. BOX 660487 12 WINDSOR WAY
DA LAS TX 75266-0487 CAMP HILL PA 17011-1750
n I till 11 It III
4031142700910420 0026600 0757874 0026900 23
I _
DETACH HERE
0 609: 1097 "G 1 7 23 080523 PAGa 1 of 2 COLU04C N000 01AB6092 40354
in )orient Messages
fir 1e for spring cleaning or household repairs? No need to delay, use checks to access your credit line and get the cash
/o ) need.
3i-,e the perfect gift for Mother's Day, Father's Day or Graduations - a WaMu® MasterCard* Gilt Card. Enjoyed anywhere
De bit MasterCard Is accepted, you save time and your recipient can buy what they want. Go to wamu.com/giftcard and buy
M3 today. Check website for detalls. Gift Card is not FDIC Insured.
su3remem Ume 06/2,q/08 Credits aPayments - =:
• Credit Line $6.059.00 Cash Advances + $0.00
AvaNa6le for Cash Advanpas as of 0512aW 5480.00 NEW BALANCE - $7,575.74
Transactions
Tran Post
bate Date Description Reference Number Amount
May 12 May 12 PAYMENT RECEIVED -THANK YOU 74185868133554OU7040798 0000 _ R---O())
1=01`1 BILLING ERRORS AND MPORTANT INFORMATION, SEE REVERSE OF PAGE 1
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,332.54 .0794% 28.99%' $79.38 Term A
Cash - Current Cycle $4,313.90 .0794%• 28.99%•
$102.78
Term B
Effective ANNUAL PERCENTAGE RATE (APR): 28.58% *Them rates may vary.
The Corresponding APR is that rate of Interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total finance charges - Nicluding transaction fees such as cash advance and balance transfer fees expressed as a percentage.
For 244mur Automated Account information, please call 14866-B92:WAMU(9268) or visit us at www.wamucgrds.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
With Credit Protection, if the unexpected happens you can
suspend your WaMu credit card paymentsfor up to 12 months
with no fees or interest'
Eligible events include:
. - Involuntaryjob loss • Care of a new baby
erest • Disability • Care of a sick family member
• hospitalization Active military duty
Signing up is easy) Just initial the Credit Protection box at the
top of your payment coupon and get the &A 30 days freel"
'See the mciosed Credit Rubictim: Terms and Cardin Us insert for the ffdl program details. -A4er the trial period,
the membership fee of Sl9 per 5100 of ymu monthly balance will be tilled to your Wallu card each month.
L6creaos
M WaMu•
P O. Box 660133, 0e45, TX 75266-M
I Jndicate change of address on back
YES] Protect my account with OPTIONAL
Craft Prrootection
100 Dt my bai l,,W ol $.I 7V
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
111I31t11In1nL61L1nILdin111L11L11,In111L1LLnnlllnll
Payment Minimum Balance as of Account
Due Date Payment 06/24/200a Number
o7nt/oe i266.oo s7,sez.67 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
?0??E. ??
N
000 Make Checks Payable to Washington Mutual
267236
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 1.7011-1750
III 111111111111111111111111111111111 111111 101111 111111111 Is
4031142700910420 0026500 0756267 0026600 23
0 6092 1356 T3G 1 7 23 080624 PAGE 3 of 1 MLR204D 8000
DETACH HERE
OLAe6092 267236
rnportant Messages
hake your vacation dreams a reality. Just use checks to access your crecift line.
kre you ready to rock? Turn up your bank (TM) for some sweet perksl Visit www.wamulive.com for details on the latest
Ihows and to stay connected to your favorite artists.
NaMu. Bank Minded. Wild at heart. (TM)
Statement Closing DNe 06124/08 Payments - $268.00
CrOM Lim 059.00 Cash Advances + 50.00
Avalable C for Cash Advances as of OW24/8 $486.00 NEW BALANCE - $7.882.67
transactions
Iran Post
bats onto Description Reference Number s,-nt
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,307.80 .0787% 28.74%' $83.30 Term A
Cash- Current Cycle $4,35329 .0787% 28.74%* $109.63 Term B
Effective ANNUAL PERCENTAGE RATE. (APR). 30.21% 'These rates may very, The Corresponding APR is the rate of interest you pay when you carry a balance an purchases or cash advances, The Effective APR represents
your total finance charges - Including transaction fees such as cash advance and balance transfer fees - expressed as a percentage.
For 24-hour Automated Account Information, please call 1-866-892 WAMU(9268) or visit us at www.womucards.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
With. Credit Protection, if the unexpected happens you can
suspend your WaMu credit card payments forup'to 12 months
with no fees or interest
Eligible events include:
• Involuntary job. loss . Care of a new baby
f Disability • Care of a side family member
• Hospitalization • Active military duty -
Signing trp is easy1 just initial the Credit Protection box at the
top of younpayment coupon and get the first 30 days free[-
*Sm thft emitted Credit ftleet)OII Toms end Canftni; inert for the fill pray =Mails. *,*Afterthe.trial period,
the membfndiip fee of 5.79 per SU of you mlinthly balance TA be bled to your WdW mrd each montli.
.. 16cPs805
F
® WaMu`
P.O. Box 660033, D6M6, TX 75266-0433
[indicate change of address on back
We need to hear from you. Nowt the
time to make a payment. Call $00.280.0561
or visitvvamucanhelp.4 to learn about easy
and convenient payment options.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266.0487
In case you misplaced your bill, or simply forgot,
a payment is due on this account.
Log in at www.wamucanhelp:com where you can:
• Make payments online
• Update your contact information
• Get current account details and much more
Make a payment online. Log in today.
1SCEBe03
6IIIII616,1 161111111 11 11 11161111111111 r l ttr 111, I r 1 a I I I I 1 n6
Payment Minimum Balance as of Account
Due Date Payment 07!24/2006 Number
ow2ao6 ss36.oD S7,7B3.so 4031-1427-0091-0420
AMOUNT ENCLOSED (usa blue or black ink)
T ??LI??.??
N
000 Make Checks Payable to Washington Mutual
BRENDA ALIANDER 52616
12 WINDSOR WAY
CAMP HILL PA 17011-1750
nr111wllluuullrn11n6111nrlrlrl611nnt,11u16161u
4031142700910420 0053800 0778390 0026600 23
I _
DETACH HERE
6092 1421 JYG 1 7 23 060724 PAGE 1 Of 1 COLR2046 5000 OUB6092 52614
Credit Line $8,059.00 Cash Advances + $0.00
A Crodk for Caefl Advances as of 07/24/08 $0.00 NEW BALANCE - $7,783.90
Transactions
Iron Post
Date Date Description Reference Number Amount
Jul 21 Jul 21 LATE PAYMENT CHARGE 0000 $39.00
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,286.71 .0794% 28.99%' $78.29 Term A
Cash - Current Cycle $4,363.67 .0794V 28.99%' $103.94 Term B
Effective ANNUAL PERCENTAGE RATE (APR): 28.6876 'These rates may vary,
The Corresponding APR is the rate of Interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. .
For 24-hour Automated Account Information, please call 1-866.892-WAMU(9268) or visit us at www
womucards
com
.
Your account is issued by Washington Mutual Bank, Henderson, NV. .
nportard Messages
OUR ACCOUNT IS PAST DUE. Please pay the minimum payment listed above immediately. You may also Cap us at
-800-280-9441 or visit us at www.womucenhelp comfor payment options
1 _
M WaMu,
PO. Box 660133, Deis, TX 75266-0633
?ndicate change of address on back
We need to hear from yyou. Nowt the
time to make a payment. call A00.280 0561
or visit vvamuonhelp.com [o kam about easy
and convenient payment options.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
In case you misplaced your bill, or simply forgot,
a payment is due on this account.
Log in at www.wamucanhelp:com where you can:
• Make payments online
• Update your contact information
• Get current account details and much more
Make a payment online. Login today.
15CEIIM
11 rLLlrrrLLlL1III11II11 111 911111 6 6 111LILIrrrIlLn
I _
DETACH HERE
6092 1511 . G 1 7 23 060122 PAGE 1 or 1 CGLa204B 6000 0IM6092 162115
Important Messages
YOUR ACCOUNT IS PAST DUE. Please pay the minimum payment listed above immediately. You may also call us at
1-800260 9441 or visit us at www.wamucenhel .comfor payment tions.
Statement Closing Data 00/22108 Credits & Payments - $0.00
Crept Line $8,059.00 Cash Advances + $0.00
A for Cash Advances as of 0822008 .00 NEW BALANCE $8,004.14
Transactions
Iran Post
Date Date Description Reference Number Amount
Aug 20 Aug 20 LATE PAYMENT CHARGE DODO $39.00
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Dally Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,404.00 .0794% 28.99%' $78.38 Term A
Cash - Current Cycle $4,467.03 .0794V 28.99%• $102.86 Term B
Effect!" ANNUAL PERCENTAGE RATE (APR): 27.63% •Tfiess rates may very
The Corresponding APR is the rate of interest you pay when you carry a balance on purchases orcash advances. The Effective APR. represents
your total finance charges - Including transaction fees such as cash advance and balance transfer fees - expressed as a percentage.
For 24-hour Automated Account Information, please call 1-866-892-WAMU(9268) orvbft ua et www.wamucarde.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
Payment Minimum Balance as of Account
Due Date Payment 08/22/2006 Number
09!18/06 5819.00 se,oo4.1a 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
N
000 Make Checks Payable to Washington Mutual
BRENDA ALLANDER 162115
12 WINDSOR WAY
CAMP HILL PA 17011-1750
rrrllLlrllLr6rr11Lr111rIr116rILI1LILrirrrlLdrLhr
4031142700910420 0081900 0800414 0026600 23
¦ e
Q WaMu-
1 9 r 660133, Mies, T)(76266-0433
nricate change of address on back
ay your bill online-or set up
itomatic payments.
o 1o wamucards.com
50 12078432611
WP 3HINGTON MUTUAL CARD SERVICES
P.C 130X 660487
DA LAS TX 75268.0487
If III r 1111111111 11111 n1[161!1311111111111111
Payment Minimum Balance as of Account
Due Date Payment 09/14/1008 Number
10/21/08 5259.00 57,379.61 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
$ F-1001-10. OR
N
000 Make Checks Payable to Washington Mutual
BRENDA ALLANDER 164844
12 WINDSOR WAY
CAMP HILL PA 17011-1750
4031142700910420 0025900 0737981 0081900 23
DETACH HERE
c 609 1537 ,7YO 1 7 23 090924 PAGE 1 of 3 MLR204D N000 OIX86092 164844
Important Messages .
-Please review and keep the Important Notice of Changes to your Account Agreement at the end of this
statemerd. Our Consumer Privacy Notice Is also enclosed with this statement. We ask that you review this notice
to understand both our Privacy Policy and the choices you can make. Finally, please review and keep the enclosed
Important Notice of Changes to your Washington Mutual CardholderBenefits.-
Stallem nt Cloilin D09
M 09124/08 Credfla 4 Payments - $819.00
Credit Line 527.00 Cash Advances + $0.00
Available COO for Cash Advances as of 0024/08 147.00 NEW BALANCE $7,379.81
Tranesctions
Tren Post
bate Dats Description Reference Number Amount
Aug 29 Atg 28 PAYMENT RECEIVED -THANK YOU 741170 0000 ai900)
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,112.85 .0794V 28.99%' $81.56 Term A
Cash - Current Cycle $4,316.75 .0794V 28.99%' $113.11 Term B
Effective ANNUAL PERCENTAGE RATE (APR): 81.44% ?hess rates may vary.
The Corresponding APR is the rate of interest you pay when you carry a balance on purchases orcash advances. The Eaecave APR represents
your total (Nance charges - including transaction fees such as ash advance and balance tray eler fees- expressed as a percentage.
For 24-hour Automated Account Information, please p1114*6.892-WAMU(9288) or Visit us at www.wamucardlaxom
Your amount Is Issued by Washington Mutual Bank, Handerson, NV.
IMPORTANT NOTICE OF CHANGES
TO YOUR WASHINGTON MUTUAL VISA`/MASTERCARD°
ACCOUNT AGREEMENT
SEPTEMBER 2008
awe: Wallington Red Bak mviersom IN
As etyiand balm we are mwd g your ykalhlasbrW km d Alymmit prose doge will Noma dective on knonbr 1, 2006 (the "Elective
Dot?ohm d wmm kkoud babe The fe coq expla rm the drgea All Over Penn of yew kmk Agree nod mm n effect Km road
fhb euthe milm md* ad keep it for your vaaeds.
Summary of Changes .
The We* term dhage will be dfective on to lest day of your fist big cycle that stark after the EBectiw Date:
DeIM APR: The Rine Rub pkx 2fiM The AN may my with dmp m the Rime Rafe.
Plow note the the Mart APR le ft highest W In vdib yaw APRs may be aalomak* inaemed I you pay kb, exceed your Da t live, or make a
pgnw t that a retsuoed unpaid Please use the AmmAAenk to section 4 below for a full &cbm repadog dopes b your Build APR
N you de runt wish be a:apt fkk dreupe to your Account Ap meeut, ym most notify em In mft by Bcbbur 31, 20(16; krchule your
name, adimo, and teiphrr m obac, and tell on tad you w6h b don your Account ad kop your smmt tome Plano mW Any
bun chat in akady appieehle to your acrd will mmio in aW N ym demon to opt ant and does your Amount Plmu wood your
written notice, abwkop sulkiest then for on to oeaive It by Ibe dadlim to: Cad Services, Rebrom Mffie8, P.O. Ba 66606, kbgbn,
TX 76696-6606.
I not abeo* applicable le you AamiK l be blwkq tom doge wit be efbcUw kmrreh*.
Te oom Csurme icatLos Vh are da fn do praknn to cow let we may send you fed rnempes or sal you WN abdalera or preec M
messaM
Pleas sae tie Am Wffmk to section 21 below for a lei dshm on Won Cmr wicetima
The foiowig k a daicatim of on mftq term and will be effective kmedutdy:
of Vk wit apply your P*ne hte fiat to iuuhhce dwom and fees, and then to Baknx Utepories Gaining new tramactions) from
Pleas see tie Mherdmmk to section 6 below for aid &ckan in Appliaim d Pwnmk
The Wmkg who in hi the derge In yor km d Apeerrat Al stir prodaons of ym Amed Apheen net rrxin i aNxt
kw*"* to 110doo L Flooa Ithatoa
Begiuig on the fist day of yaw It big cycle tld stark after ibvwnbr 1, MR tie Ddsom APR Plaprgio d section 4 k a molw to read as
followr
Default APRs: Nis will not koome your APIs solely a a resat of your bekg mpabd Mngrrd on an account nth amfr redtoe. Harvey, n& time
you drink m thin or my 11' 11 gboo IIM acoxad bemure ym fall to male at teat the Ni hmn P*m t by tie Payment De Dab, exceed your Dma
Lae, r mde a pvpW b u fat k nil hared by your bank we my name the APRs m your Acaud erg b a maammA d i e Prise Ras pkx
. 26.989k (fre'9drw6 APR"). thing fe Rine Rata n elicit for kiq cyder be¢raig n July 21p8 a an eatixobe, fee 0esup APR vaonAd be 31.9691
(D 98189k Amrregwdnp daily pehbac stay factors AmhosHaed n debnhuiig whetir and by hex mite b berme you APIs krdode fe IreWM and
somm4 d ddeb ad dooriodedas d Accmwd usage and ride on aaorik s6 WuW4kn file d Yi vd she mWdr you mud cmt yak a
r Rip', by a vaddy d idend and whond ao& smdrg model Thee model camdr yourpefannmm m aamrds Wtb yidhngbn Noted and ode r
medium
Ayaeoiurub to Sadbu L Now yla Isere The Basta and the Flounce Chain a Basouas
Efleaft irm ulift the Application of PMyownbe paaoaph of seder 6 of your Account Apreermt is amid In read as b1m:
AppNatso d Payounlt A pallned r any diva avail adjnxbrd al reduce your Acommil babnee as d the des 6 pets to yor Aam i Reds posted
AAey nal he iarhedoky anlabs ter yar ua (sun sesAim 3 car mom ifanrntim abed yar payrmk).
P*w b will be appbd fist to irnce drape and fan, to to Mm (adodnp new Vemadma) n to Babme Category with to lowest APR mil
time belnaa hue been idly paid, do In Wawa Qrsdodrg new kmm d m) n the Baboce Category w1h Ile n a le et APIA hsdi tine Isalancea
have been paid, ad so m, uric d Mom hue been paid. Tie mean fiat bdmm a* d b prmxloal or lebodcbry APRs wl be paid More
bakrxes n*d to Ngha APik 01e N dm Baler ce and arheler blance Cabpey home the same APK paynveds gmeaky wit be "Imi fast b
Rwdesr
Ammft* to Section 21 Mahn
Blecise hmuh* seam 21 d yaw karat Agreanent k ameded to mad a Mm
2t Tdapium b m kdm: You ardhaiee uric d you r and a best message to you at any rurbr you provide or d any mwrbr d *a v e
P uded rAhewpa tar avvIril gphypacab to e, ndnr6hp inhbd b (ly o npecbd f idediq theft vdmAUfim receeay a
desirable; (3) per kcoud tauactiox r senick and (4) celedrg on yor Aammt knbm you pus mile kd& m mbn yen give us adlar awrbers
Iran wli h you calm You agree In pry try ice(s) or drpa(s) that you may nay for namig cab from e, atdlar ossigobg der b e, to r floe any
ad amber, Y*M renbhnaned from m
I you wald k a stebaerd d apeefie tamce why we bee decided b mood you Accau t Apreamt, pkem woe in r odmis your nsne, amens; aM
Account wnW or cal on, wAhb61 days of the die you receive his mice, at Cad Services, Rdm= RL0g0p, Pit Buns 99!116; Mngt IX Mll..
9696; 1oFIree.801356?1. Al mfr nsPiks shad he dread to Cued Senvkxs, Pit Bur 960509; Oalu,1X.75266.0500. You are mm to the statement
of spelt ceases within 30 dare of your rowel
The federal Eqd bpd OPprhdty A t prohibits macros hum agakef aaR aim* m the bads of race, aloe, relgiorr,aatiari rigs sm
marital saes, or age (ponied the appbdd tens to capacity to w& kilo a bodag ravb"; loon al w pxd d be ap*mh Terse k dakmd iron -
a? Pbtie mWffm Poem; r 6emaa fe appicad has n good faith exendmd any did Wake to Catm CNN Rakcem Ad The febal alm
aunt abrhides canhpforioovrfti his low x P, 'ng Zia mft k fm OMM d Thrift SupeA*R P.0. Bur 7165, Sm Fmrdta, CA 941M
Our decision it coup your Account tom ARMY hue teem baud in wide or in port on idrnelur WdmW in amW from do aemeer mpm" apncy
Idef bolm bu bee a dgfd mdr the Fit Cre& Repartig Act to haw to kdormagm mda'red in your atilt life at the meaner tap ft Wq. The
repork ap q pw no.pu t b or diem ad is unable to MA speck man wby we bee Won this scion Am eke WE a did to a fee copy of
YEN repon Imm.. to reportig agency I you mgmd it no kbr to 10 dryx afar you mcdm hits ootis In adik% I'you id ti xrj tdamdm aisMW
in live report you mW o k lie came or ncampbb, you have the right to dxpsb the mow with the Morptp aptacyr.-Walden Umm ReY1ax,
2 W& Place, P.O. Bus = Qm1nr, PA 18021; 81111011&13- NmTraedAafwesmvDlvd .
14CBP809
6092 1537 Of0 1 7 23 080924 PAi 2 of 3 MLR204D 9000 01A 092 164844
M WaMu-
PO. Box 660633, Da169, TX 75268-0633
[indicate change of address on back
We need to bear from =I=,
t the
time to make a pryment. Call 61
or visit vvamucs c.,orn to tram about easy
and comexrient payment options.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
I sI666rrIrl r III rtlLellnrrh1116ddrrrl In l,lreelllne
Payment Minimum Balance as of Account
Due Date Payment 10/2312008 Number
11ntu? sss4.oo s7,s29.sa 4031-1427-0091-0420
AMOUNT ENCLOSED (uua blue or black ink)
$00000.00
N
000 Make Checks Payable to Washington Mutual
51760
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
urlllurlllnnnlluelln1111nrlrlrlrllunnllnlrlrln
4031142700910420 0056400 0762964 0081900 23
Important Messages
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment fisted above along
with the overfimit amount immediately. You may also callus at 1-800-280-9441 or visit us at www.wamucenhelp.comfor
I
DETACH HERE
6092 1582 "G 1 7 23 081027 PAGE 1 of I MLU04C X000 01"6092 51760
t2Y9n1nn0y WJ.040n 1UrZ3 a
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,096.98 .0794% 28.9996• $71.31 Term A
Cash - Current Cycle ._ $1,365.45 .0794%• 28.99%1 $100.52 Term B
Effective ANNUAL PERCENTAGE RATE (APR): 27.53% *The" rates may vary
The Corresponding APR Is the rate of interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage.
For 24-hour Automuillaid Account kiformatlon, please call 1-866892-WAMU(9268) or visit us at www.wwnucwde.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
In case you misplaced your bill, or simply forgot,
a payment is due on this account.
Log in at wvvw.wamucanhelp.com where you can:
Make.payments online
Update your contact information
• Get current account details and much more
Make. a payment online. Log in today.
15CEB903
Transactions
Train Post
Dots Delta Deserhmuds
M WaMu-
PO. Box 660133, Dohs, TX 75266-0033
?ndicate change of address on back
We need to hear from you. Now3 the
time to make a payment. Call 80(.280.9441
or visit wamucanhelp com to learn about easy
and convenient payment options.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
urlrlrlrnlllrlllnlinllunlullulrlnrlla6Lrdllrrr
Payment Minimum Balance as of Account
Due Date Payment 11/2012006 Number
1v17r08 seao.ll0 57,876.26 4031-1427-0091-0420
AMOUNT ENCLOSED loss Nucor b19ek Intl)
$?????.??
N
000. Make Checks Payable to Washington Mutual
BRENDA ALLANDER 267719
12 WINDSOR WAY
CAMP HILL PA 17011-1750
ntlllnrlllnnIII nrllurlllurlrlrlrllr,unllnlritln
4031142700910420 0084000 0787626 0081900 23
I
6092 1616 G G 1 7 23 061120 PAGE 1 of 3 MLR204D N000
DETACH HERE
01/086092 293749
Important Messages
"Please review and keep the Important Notice of Changes to your Account Agreement at the and of this
statement"
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment listed above along
with the overRmit amount Immediately. You may also call us at 1-800-280-9441 or visit us at wamucenheip.comfor
payment options.
ANNUAL PERCENTAGE RATE for Purchases: 31.99% or Prime Rate plus 26.99%, whichever is greater (as of September
2008: 31.99% ANNUAL PERCENTAGE RATE; 0.0876% corresponding daily periodic rate).
ANNUAL PERCENTAGE RATE for Cash Advances: 31.99% or Prime Rate plus 26.99%, whichever is greater (as of
September 2008:31.99% ANNUAL PERCENTAGE RATE; 0.0876% corresponding del periodic rate).
Slalamertt Closing Date 11/20/OB Cred9s 8 Paymen
Crow Line 527.00 Cash Advances + $0.00
A C for 1:nh Advances as of 11/20/08 $0.00 NEW BALANCE - $7,87826
-¦
Transactions
Tran Post
Reference Number Amount
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Dally Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,246.09 .0781V 28.49%• $70.99 Term A
Cash - Current Cycle $4,464.52 .0781V 28.49%' $97.63 Term B
Effective ANNUAL PERCENTAGE RATE (APR): 26.24% 'Thep rates may vary. The Corresponding APR Is the nag of interest you pay when you tarty a balance on purchases or cash advances. The Effective APR represents
your total dance charges - Including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. -
For 24-hour Automated Account Information, please call 14M-892-WAMU(9268) or visit us at www.womucarde.com
Your account Is Issued by Washington Mutual Bank; Henderson, NV.
In case you misplaced your bill, or simply forgot,
a, payment is due on this account.
r(Tet Log in at wamucanhelp.com where you can:
Make payments online
Imething? Update your contact information
• Get current account details and much more
Make a payment online. Log'in.todays
15CE6t111
¦
IMPORTANT NOTICE OF CHANGES
TO YOUR WASHINGTON MUTUAL VISA•/MASTERCARD-
ACCOUNT AGREEMENT
NOVEMBER 2008
Issuer: Washington Mutual Bank, Henderson, NV
As explained below, we are amending your Visa/MasterCard Account Agreement. These changes
will become effective on January 1, 2009 (the 'Effective Date'), unless otherwise indicated below.
The following explains these changes. All other provisions of your Account Agreement remain in
effect. Please read this entire notice carefully and keep it for your records.
Summary of Changes
If not already applicable to your Account, the following term changes will be effective on the first day
of your first billing cycle that starts after the Effective Date:
Annual Percentage Rates (APRs): The ANNUAL PERCENTAGE RATE (APR) for each Balance
Category will be the rate listed in the Important Messages section of this billing statement. These
APRs will apply to your current balances and any future balances. These APRs may vary with
changes in the Prime Rate. The Important Messages section also shows what these APRs and the
corresponding Daily Periodic Rates (DPRs) would be using the Prime Rate in effect for the billing
cycle beginning in September 2008.
Please see the Amendments to section 4 below for a full disclosure regarding changes in your APRs.
If you do not wish to accept the changes to your Account Agreement summarized above, you
must notify us in writing by December 30, 2008; include your name, address, and telephone
number and tell us that you wish to close your Account and keep your current terms. Please
note a Any of the terms that are already applicable to your Account will remain in effect if you
choose to opt out and close your Account. Please send your written notice, allowing sufficient
time for us to receive it by the deadline, to: Card Services, Reference RL, P.O. Box 99606,
Arlington, TX 76096-9606.
The following explains in full the changes to your Account Agreement. Some of these changes may
already be a part of your Account Agreement. All other provisions of your Account Agreement
remain in effect.
Amendments to Section 4. Finance Charges. ANNUAL PERCENTAGE RATES ("APRs").
Standard APRs. Beginning on the first day of your first billing cycle that starts after January 1,
2009, the Finance Charges section of your Account Agreement is amended so that the APR for
each Balance Category will be the rate listed in the Important Messages section on the billing
statement accompanying this notice. These APRs will apply to your current balances and any future
balances. The Important Messages section also shows what these APRs and the corresponding
Daily Periodic Rates (DPRs) would be using the Prime Rate in effect for the billing cycle beginning
in September 2008.
If you would like a statement of specific reasons why we have decided to amend your Account
Agreement, please write to us (include your name, address, and Account number) or call us, within
60 days of the date you receive this notice, at: Card Services, Reference RL; P.O. Box 99606,
Arlington, TX 76096-9606; toll-free 800.356.0011. All other inquiries should be directed to Card
Services, P.O. Box 660509, Dallas, TX 75266-0509. You are entitled to the statement of specific
reasons within 30 days of your request.
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit
applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided
the applicant has the capacityto enter into a binding contract); because all or part of the applicant's
income is derived from any public assistance program; or because the applicant has in good faith
exercised any right under the Consumer Credit Protection Act. The federal agency that administers
compliance with this law concerning this creditor is the Office of Thrift Supervision, P.O. Box 7165,
San Francisco, CA 94120.
Our decision to change your Account terns may have been based in whole or in part on information
obtained in a report from the consumer reporting agency listed below. You havea right under the Fair
Credit Reporting Act to know the information contained in your credit file at the consumer reporting
agency. The. reporting agency played no part in our decision and is unable to supply specific reasons
why we have taken this action. You also have a right to.a free copy of your report from the reporting
agency if you request it no later than 60 days after you receive this notice. In addition, if you find that
any information contained in the report you receive is inaccurate or incomplete, you have the right to
dispute the matter with the reporting agency. TransUnion Consumer Relations,.2 Baldwin Place,.
P.O. Box 1000, Chester, PA 19022; 800.888.4213; TransUnion.com/Direct.
14RBU11
6093 1616 .7YO
1 7 23 081120 P1 2 of 3 COLR204D 9000 OL 6092 283749
M WaMu-
F - 660133, Dells, TX 7 52 6 6-013 3
In iicate change of address on back
lie need to hear from you. Now4the
lint to makea payment. Call 800.280.%41
,i Ysitwamuanhelp.comtolearn about easy
,rd :omenientpayment options.
5C i12)78432611
WP 3HINGTON MUTUAL CARD SERVICES
P.C . BOX 660487
DA LAS TX 75266-0487
Ilnr LLInrrLlrlLnrllnnllnrrr6rllrrLllrnllrn6Lrrlllnrrl
Payment Minimum Balance as of Account
Due Date Payment 12!23/2008 Number
otneloa s1,t2s.oo sa,117.oe 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
$00000.00
N
000 Make Checks Payable to Washington Mutual
BRENDA ALLANDER 476113
12 WINDSOR WAY
CAMP HILL PA 17011-1750
I3nIILtrIIlNrrnl6tIILrJlLrrLLI111nur1111r666r
4031142700910420 0112500 0811708 0081900 23
nortant Messages
UR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment listed above along
I T the overlim8 amount Immediately. You may also call us at 1-800-280-9441 or visit us at wamucenhelp.comfor
!anent options.
I
DETACH HERE
609: 1658 JYG 1 7 23 081323 PAGE 1 of 1 MLA204C 11000 01AB6092 47683
ount
M
•?rewmem - Dale 12/23/08 Credits & is $0.00
Crcidit Line
527.00
Cash Advances + _
$0.00
. Avalleble CmA W Cash Adva nces fas of 122M $0.00 NEW BALANCE = 1-
Transactions
Tran Post
bate bate Description Reference Number Amount
Dec 17 Dec 17 LATE PAYMENT (:NARAF ..,.
FOR BILLING ERRORS AND a1PORTANTINFORMATION, SEE REVERSE OF PAGE 1.
Belence Category
Average Dally Periodic Corresponding Finance Grace
Daily Balance Raft APR Charges Terms
Purchase - Current Cycle $3,402.56 .0767%' 27.99%• $86.12 Tenn A
Cash - Current Cycle $4,571.12 .0767%' 27.99%• $115.70 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 30.37% *These rates may very.
The Correspondkng APR Is the rate of interest you pay when you tarty a balance on purchases or cash advances. The EBecdve APR represents
your total finance charges -including transaction fees such as cash advance and balance transfer fees - expressed as a percentage.
For:24-hour Automated Account Information, phase call 1-866-892-WAMU(9266) or visit us at www.wamucade.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
In case you misplaced your bill, or simply forgot,
a payment is due on this account.
Login at wamucanheip.com where you can:
• Make payments online
• Update your contact information
• Get current account details and much more
Make a payment online. Log in today.
ISCESS11.
M WaMu,
O Boc 66tN33, Delis, TX 75266-0433
:)ndicate change of address on back
We need to hear from you. Now's the
time to make a payment. GII 800.280.9441
or visit waitucanhelp.com to learn about easy
and convenient payment options.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
r?rLL6rrhlrlLnllLrlLrrtLrlLrLLrrILrLIrnllLrt
Payment Minimum Balance as of Account
Due Date Payment 01122/2009 Number
oy1?o9 s1,als.oo Se,soo.7z 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black Ink)
$00000.00
N
000 Make Checks Payable to Washington Mutual
BRENDAALLANDER 1as642
12 WINDSOR WAY
CAMP HILL PA 17011-1750
ntlllm?l?nnul?nrl?nt?llnt?rlrlr??munl?n?rlr?n
4031142700910420 0141600 0830072 0081900 23
Important Messages;
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment listed above along
with the overrrmti amount immediately. You may also call us at 1-800-280-9441 or visit us at wamucenhelp eomfor
payment options.
I _
. DETACH HERE
6092 1659 OYO 1 7 23 090122 QAOE I of 1 COLR204C X000 OIASS092 105642
staionwm Closing Date Ot/2PPo9 Credka 6 payments $0.00
Credit Line $7.527.00 Cash antes + 50.00
Availaabb for Grit Advances as d 01/22!09 .00 NEW BALANCE - 300.72
Transactions
No Activity This Month
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,524.08 .0746%• 27.24%' $78.87 Tenn A
Cash - Current Cycle 54,681.41 .0746%' 27.24%' $104.77 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 26.86% •7}mw rates may very.
The Corraspondkp APR b the rate of Interest you pay when you carry a balance on purchases or cash advances. The Effective APR r epresents
your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage.
For 24-hour Automated Account Irdormation, please call 1-866.892-WAMU(9268) or visit us at www
womucards
.
Your account Is Issued by Washington Mutual Bank, Henderson, NV. .com
If you misplaced your bill or need additional payment options,
we can help.
e
Simply call 800.955.7276 or log in at wamucanhelp.com
where you can:
• Make a payment
a. • Choose different payment options
..Get current account details
Make a payment. Call or log in today.
ISCES902
¦
® WaMu`
P O. So. 660433, Oaks, TX 75266433
Ondicate change of address on back
We need to beer from you. Nowt the
time to make a ppaayyment. Gfi 800.280.9441
or visit wamuranhelp.com to learn about easy
and convenient payment options.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
Payment Minimum Balance as of Account
Due Date Psyment 02/23/2009 Number
03/22/09 st,7te.oo Sa,W1.18 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
N
ODD Make Checks Payable to Washington Mutual
BRENDA ALLANDER 90011
12 WINDSOR WAY
CAMP HILL PA 17011-1750
111111111 11111111111111 11111111111 11 111111 111111 11111111111
4031142700910420 0171400 0850118 0081900 23
DETACH HERE
6092 0900 JYG 1 7 23 090221 PAGE 1 of 1 MLA204C 9000 O1A96092 60031
nportant Messages
FOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment fisted above along
with the overfimit amount Immediately. You may also call us at 1-800.280-9441 or visit us at wamucanhelp.comfor
layment options.
Statement Closing DNS 02123108 Craft S P manta - $0.00
Crew Line $7 527.00 Cash Advances + $0.00
Avaiads CM& for Cash Adififinclas as of 02/23/08 .00 NEW BALANCE 501.18
Trensactlons
bate Description Amount
No Activity This Month
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,606.51 .0746V 27.24%' $86.09 Term A
Cash - Current Cycle $4,790.90 .0746% 27.24%' $114.37 Term B
Effeetlve ANNUAL PERCENTAGE RATE (APR): 28.64% •Thew rates may very
The Corresponding APR Is ft rate of Interest you pay when you carry a balance on purchases or cash advances. The Effective APR
represents
your total finance charges - Including transaction fees such as cash advance and balance transfer fees -
expressed as a percentage.
For 24-hour Automated Account kdormatlon, please call 1-868-892-WAMU(9268) or visR us allwww
wamucards corn
.
Your account is Issued by Washington Mutual Bank, Henderson, NV.
If you misplaced.your bill or need additional payment options,
we can help.
Simpty tall 800.955.7276 or login at womucanhelp.com
where you can:
• Make a payment
• Choose different payment options
Get current account details
Make a payment. Call or log in today.
35CE99U3
Payment Due Date . New Balance Past Due Amount Minimum Payment
1 04/16/09 $8,713.78 $1,774.00 $2,013.00
Account number: 4031 1427 0091 0420
+ Melee your check payable to:
(4i?? Chase Card Services.
Please write amount enclosed.
New address or email? Print on back.
403114270091042000201300008713180000008
39901 BDIZ061090 11.1111111.11.1.11.1u1 11.11 111 0 111 11 /11to IIu1.11u111.1I1.1
BRENDA ALIANDER
12 WINDSOR WAY CARDMEMBER SERVICE
CAMP HILL PA 17011-1750 PO BOX 15153
WILMINGTON DE 19886-5153
11111111.1111...I,Iu111n111n111.11111:n.r u1II11I1I.L.11
1: 5000 i60 281: 00 2 2 7009 104 20 Liie
Statement Date:
oz2aros - 03/22109
CHASE O Menage your eeeouM online:
Minimum Payment: $2,013.00 vrvrw.Chese.com?creddcards
Payment Due Date: 0411&09
Additional conbwt information
ACCOUNT SUMMARY VISA Account Number: 4031 1427 0091 04201 conveniently located on reverse side
Previous Balance $8,501.18 Total Credit Line $7,527
Purchases, Cash, Debits +$39.00 Available Credit $0
Finance Charges +$173.00 Cash Access Line $7,527
New Balance $8,713.18 Available for Cash $0
You haven't made the required payments and your credit card account is 150 days past due. You can still turn things around. Call
us today at 1-888-792-7547 (collect 1-302.594.8200) so that we can find a solution for your situation.
Important Message: Over Credit Limit
Your statement balance exceeds your credit limit. You should make a payment that Includes the overiimit amount and brings the
balance under your limit.
1A000UNT ACTIVITY
Date of
Transaction Merchant Name or Transaction Desedotion soup(
0322 LATE FEE 39.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 27 days in cycle APR Balance Periodic Rate Service Charge Fln Charge CHARGES
Purchases V.07463% 2724% $3,888.07 $74.32. $0.00 $0.00 $74.32
Cash advances V.07463% 2724% $4,897.45 $98.88 $0.00 $0,00 $98.68
Balance transfer V .07463% 27.24% $0.00 $0.00 $0.00 $0,00 $0,00
Total finance charges $173.00
Effective Annual Percentage Rate (APR): 2724%
Please see Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of Interest you pay when you carry a balance on any transaction category.
The Effective APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement Is a Facsimile - Not an original
X 0000001 FIS339911 D 6 000 N Z 22 oa10322 Paae 1 of 1 OOBBS MAMA 39901 0611000006010039610101
Payment Due Date New Balance Past Due Amount Minimum Payment
05/17109 $8,956.23 $2,013.00 I $2,345.00
Account number: 4031 1427 0091 0420 111
y [? Make your check payable to:
Chase Card Services.
WQ
Please write amount enclosed.
New address or e-mail? Print on back.
403114270091042000234500008956230000005
38540 BDCZ „2090 6rrIILIrrL1L111LJLrrLLrJLLLrrllrrlrl.rrll.rll.rl
BRENDA ALLANDER
12 WINDSOR WAY CARDMEMBER SERVICE
CAMP HILL PA 17011-1750 PO BOX 15153
WILMINGTON DE 19886-5153
1rrrIII,r111L.rrrrllrrrlLrrllLrl,Irl,IlrrrrrrlLrlrLirrll
4 5000 1 60281: 00 2 2 7009 104 20 ill-
Statement Date:
CHASE
03/23/09' 04/22!09 ? Manage your account online:
www.chase.coMcredt
Minimum Payment: $2,345.00 eards
Payment Due Date: 1/5117/09
Additional contact Information
ACCOUNT SUMMARY VISA Account Number 40311 conveniently located on reverse side
427 00910420
Previous Balance $8,713.18 Total Credit Line $7,527
Purchases, Cash, Debits +$39.00 Available Credit $0
Finance Charges +$204.05 Cash Access Line $7,527
New Balance $8,95623 Available for Cash $0
The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit
bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at
1-888-792-7547 (collect 1-302594-8200).
Important Message: Over Credit Limit
Your statement balance exceeds your credit limit You should make a payment that includes the overiimit amount and brings the
balance under your limit.
ACCOUNT ACTIVITY
Date of
Transaction Merchant Name or Transact
ion Description S Amount
04/16 LATE FEE 39.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Corresp. Average Daily Due To Fee / Accumulated FINANCE
Category 31 days in cycle APR Balance Periodic Rate Service Charge Fn Charge CHARGES
Purchases V.07463% 2724% $3,815.56 $88.27 $0.00 $0.00 $88.27
Cash advances V.07463% 2724% $5,00459 $115.78 $0.00 $0.00 $115.78
Balance transfer V.07463% 2724% $0.00 $0.00 $0.00 $0.00 $0.00
Total finance charges $204.05
Effective Annual Percentage Rats (APR)- 7724%
Please we Information About Your Account section for balance computation method, grace period, and other important information.
The Corresponding APR is the rate of interest you pay when you carry a balance on any transaction. category.
The Effecthm APR represents your total finance charges - including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement Is a Facsimile - Not an original
X
0000001 FIS33338 D 13 00o N Z 22 QW4,22 Page 1 M 1 05M MA MA 38540 11210000130003864001
DEC-29-2011(THU) 12:26 Douglas M Marinos & Assoc (FAX)610 434 0538
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
CAVALRY POR'T'FOLIO SERVICES LLC
assignee of CAVALRY SPV I, assignee
of CHASEIWASHINGTON MUTUAL,
Plaintiff(s)
Docket No.: 11•6321
V.
BRENDA ALLANDER,
Defendant(s)
-0RDER-
P. 001 /001
0 ()
c?
W c_ == -n
x; -vM...;
3D ca -?.
i,.C_- S
c-n
On this day of 20-1-'8--, it Is hereby
ORDERED that Plaintiff's Amended Complaint Is stricken. Plaintiff may file an
Second Amended complaint within 120 days. If Plaintiff` fails to file an
Second Amended Complaint within the time set forth above, the
Prothonotary, upon Praecipe of the Defendant, shall dismiss this case with
prejudice.
7 BY 2!i RT:
CONSENTED TO ENTRY OF THE ABOVE ORDE ;
Jos rreira ?i'
d L
9'
o
PiMAde- d ll Vll.
3.
®RIGINA
_. f_.. --
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNS 'V4NU e '?
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC, ' -T
AS ASSIGNEE OF CHASE/WASHINGTON CIVIL ACTION
,a
MUTUAL, C'
Plaintiff CASE NO.: 11-6321 Civil Terra:
vs.
BRENDA ALLANDER,
Defendant
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
TWENTY (20) DAYS AFTER THIS COMPLAINT IS 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.
THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
CUMBERLAND COUNTY BAR ASSOCIATION
32 S. BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
(800) 990-9108
DOUGLAS M. MARINOS
& ASSCkCIATE?, P^
Jorg p ira; Esquire
Att 42, Atty for Plaintiff
10 Crest B oulevard
Allentown, PA 18104
(610) 434-2814
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON
MUTUAL,
CIVIL ACTION
Plaintiff : CASE NO.: 11-6321 Civil Term
VS.
BRENDA ALLANDER,
Defendant
SECOND AMENDED COMPLAINT
1. Plaintiff, Cavalry Portfolio Services, LLC, As Assignee of Cavalry SPV I, LLC,
As Assignee of Chase/Washington Mutual ("Cavalry") is a limited liability company with an address
of 500 Summit Lake Drive, Valhalla, New York, 10595.
2. Defendant, Brenda Allander, is an adult individual with an address of 12 Windsor
Way, Camp Hill, Cumberland County, Pennsylvania 17011-1750.
COUNTI
BREACH OF CONTRACT
3. On or about December 29, 1999, Chase/Washington Mutual issued the Defendant
a credit card subj ect to the terms of the Cardmember Agreement ("Cardmember Agreement"). A true
and correct copy of the Cardmember Agreement is attached hereto, made a part hereof and marked
as Exhibit "A".
4. On or about July 9, 2010, Cavalry SPV I, LLC purchased the account from the
original creditor, Chase/Washington Mutual. A true and correct copy of the Bill of Sale is attached
hereto, made a part hereof and marked as Exhibit "B".
5. The account was then assigned to Cavalry Portfolio Services, LLC by Cavalry
SPV I, LLC. A true and correct copy of the Assignment is attached hereto, made a part hereof and
marked as Exhibit "C".
6. Defendant has incurred charges for purchases, interest, cash advances and/or
finance charges in the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-NINE AND
39/100 DOLLARS ($12,529.39) as of August 4, 2011. True and correct copies of account
statements are attached hereto, made a part hereof and marked as Exhibit "D".
7. Defendant's obligations are based on a subsisting debt, were in writing and arise
from a preexisting account.
8. Defendant has defaulted on her obligation to make payments to Cavalry by failing
to make monthly payments from and after August 29, 2008.
9. Pursuant to the Agreement, Cavalry may declare all amounts due under the
Agreement immediately due and payable without notice or demand.
10. Under the Cardmember Agreement, Defendant is required to pay all the attorney's
fees Cavalry incurred in exercising its right to collect, which Cavalry anticipates to be in the amount
of TWO THOUSAND FOUR HUNDRED ELEVEN AND 36/100 DOLLARS ($2,411.36).
11. As of August 4, 2011, Defendant is indebted to Cavalry under the Agreement in
the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-NINE AND 39/100
DOLLARS ($12,529.39), plus interest accruing from and after August 4, 2011 at the per annum rate
of 18%.
WHEREFORE, Cavalry demands judgment against the Defendant in the amount of
FOURTEEN THOUSAND NINE HUNDRED FORTY AND 75/100 DOLLARS ($14,940.75)
(comprised of real debt in the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-
NINE AND 39/100 DOLLARS ($12,529.39) and anticipated attorney's fees in the amount of TWO
THOUSAND FOUR HUNDRED ELEVEN AND 36/100 DOLLARS ($2,411.36)) plus interest from
and after August 4, 2011, at the per annum rate of 18% and costs of suit.
COUNT II
BREACH OF CONTRACT IMPLIED IN LAW
12. Cavalry incorporates paragraphs 1 though 11 as if fully set forth herein.
13. Pursuant to the account statements attached hereto as Exhibit "D",
Defendant agreed and confirmed the account balances stated in the statements, and made payments
toward said balances.
14. On each and every statement provided to Defendant, the Previous Balance,
Payments and Credits, Purchases and Adjustments and Periodic Rate Finance Charges were clearly
stated.
15. Additionally, on each and every statements provided to Defendant, the
interest rate, both Daily Periodic and Annual Percentage, were clearly stated.
16. Defendant's course of conduct clearly established Defendant's acceptance of
the terms and conditions set forth in the Agreement.
17. Defendant has defaulted on their obligation to make payments to Cavalry
by failing to make monthly payments from and after August 29, 2008.
18. Pursuant to the Agreement, Cavalry may declare all amounts due under the
Agreement immediately due and payable without notice or demand.
19. Under the Cardmember Agreement, Defendant is required to pay all the
attorney's fees Cavalry incurred in exercising its right to collect, which Cavalry anticipates to be in
the amount of TWO THOUSAND FOUR HUNDRED ELEVEN AND 36/100 DOLLARS
($2,411.36).
20. As of August 4, 2011, Defendant is indebted to Cavalry under the Agreement
in the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-NINE AND 39/100
DOLLARS ($12,529.39), plus interest accruing from and after August 4, 2011 at the per annum rate
of 18%.
WHEREFORE, Cavalry demands judgment against the Defendant in the amount of
FOURTEEN THOUSAND NINE HUNDRED FORTY AND 75/100 DOLLARS ($14,940.75)
(comprised of real debt in the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-
NINE AND 39/100 DOLLARS ($12,529.39) and anticipated attorney's fees in the amount of TWO
THOUSAND FOUR HUNDRED ELEVEN AND 36/100 DOLLARS ($2,411.36)) plus interest from
and after August 4, 2011, at the per annum rate of 18% and costs of suit.
COUNT III
UNJUST ENRICHMENT
21. Cavalry incorporates paragraphs 1 through 20 as if fully set forth herein.
22. Defendant has been unjustly enriched by their use, acceptance, and retention
of the goods and services purchased by using cash on demand account without making payments due
to Cavalry.
23. As of August 4, 2011, Defendant is indebted to Cavalry under the Agreement
in the amount of TWELVE THOUSAND FIVE HUNDRED TWENTY-NINE AND 39/100
DOLLARS ($12,529.39), plus interest accruing from and after August 4, 2011 at the per annum rate
of 18%.
WHEREFORE, Cavalry demands judgment against the Defendant in the amount of
TWELVE THOUSAND FIVE HUNDRED TWENTY-NINE AND 39/100 DOLLARS ($12,529.39)
plus interest from and after August 4, 2011, at the per annum rate of 18% and costs of suit.
DOUGLAS M. MARINOS
& ASSOCIATES, P.C.
ira, Esquire
Bkttev ., .
242
laintiff
N.Cedar Crest Boulevard
Allentown, PA 18104
(610) 434-2814
VERIFICATION
I, Stephanie Cappelli, do hereby verify that I am an agent and duly authorized
representative for Plaintiff, Cavalry Portfolio Services, LLC, As Assignee of Cavalry SPV I, LLC,
As Assignee of Chase/Washington Mutual, that I am fully authorized to make this verification on
its behalf and that the facts set forth in the attached pleading are true and correct to the best of my
knowledge, information and belief.
Verifier understands that false statements herein made are subject to the penalties of
18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities.
Dated: *1 9-
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON
MUTUAL,
Plaintiff
vs.
BRENDA ALLANDER,
Defendant
CIVIL ACTION
CASE NO.: 11-6321 Civil Te ` -
CERTIFICATE OF SERVICE
I, JORGE M. PEREIRA, ESQUIRE, do hereby certify that on May 1, 2012, I served a true
and correct copy of the Second Amended Complaint in response to Defendant's Preliminary
Objections on the persons set forth below by first class mail, which service satisfies the
requirements of the Pennsylvania Rules of Civil Procedure and local rules, at the address noted
below:
Joe Murphy, Esquire
The J. Murphy Firm
210 Grant Street, Suite 301
Pittsburgh, PA 15219
DOUGLAS M. MARINOS & ASSOCIATES, P.C.
By:
. Pereira, Esquire
VIN7 .#75242
for Plaintiff
edar Crest Boulevard
Allentown, PA 18104
(610) 434-2814
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h;XHIBIT B
EXHIBIT A
BILL OF SALE
Riverwalk Holdings, Ltd ("Seller"), for value received and pursuant to the terms and
conditions of Credit Card Account Purchase Agreement dated July 9, 2010 between Seller
and Cavalry SPV I, LLC ("Purchaser"), its successors and assigns ("Credit Card Account
Purchase Agreement"), hereby assigns effective as of the File Creation Date of June 30,
2010 all rights, title and interest of Seller in and to those certain receivables, judgments or
evidences of debt described in Exhibit t attached hereto and made part hereof for all
purposes.
Number of Accounts: _
Total Unpaid Balances:
States Purchased: National
Purchase Price Percentage (%): -
This Bill of Sale is executed without recourse except as stated in the Credit Card Account
Purchase Agreement to which this is an Exhibit. No other representation of or warranty of
title or enforceability is expressed or implied.
Riverwalk Holdings, I.t
By:
Date: 7?3?2 e/p
Title: CFQ 4Jp AAAC-ot
Cavalry SPV C?---
By
Date.
Title CCU
20
CHA$E C P
1311.1, oN SALE
Chase Bank USA, N.A. ("Seller"), fin- value reccivW and pursuant to (lie turnhs and c nditions
ol'Credit Card Account Purchase Aureenicnl dated July 29, 2009 between Seller and Ri •rwalk
I loldings, Ltd. ("Purchaser), its successors and assigns ("Credit Card Account Purchase
Agreement"), hereby assigns e( cctivc as orlhe file Cre<uion Date ul'July 8, 2009 all rig its. title
and interest of Seller in and to those cenain receivables, judgments or evidences ol'deb? escrihed
in Exhibit I attached hereto and made part hereof For all purposes.
Number ul'Accounts 23120
Total Unpaid Balances $104,998,993,42
Premium
Due Seller
Amounts due to Seller by Purchaser in hereunder shall be paid U.S. Dollars by it wire it-it Isier it)
be received by Seiler on .luly 29, 2009 (the "Closing Date") by 2:00 p.m. Seller's time , a
lirNrws:
Chase Bank USA, N.A
ABA-
Beneficiary Name: Chase Bank USA, N.A.
Beneficiary Account:-
'T'his Bill of Sale is executed without recourse except as stated in the C.redil Card Accou.
Purchase Agreement to which this is an Exhibit. No other representation ol'nr warranty c (title or
entOrccability is expressed or implied.
Chase B SA J.
By:
Date: Jul
Title Team Leader
ltiverwalk Holdings, Ltd.
By:
Date: 7-,2-4-' - 2o4-D 9
Title G'Ed Jr MIWA6114 Ae49VAM
%5cscheduleA_14096627[1].txt
PURCHASE-DATE ACCT-NO CONTRACT-DATE ORIG_LAST_PAY_DATE
7/9/2010 4031142700910420 12/29/1999 8/29/2008
CREDITOR INITIAL-BALANCE
chase / washington mutual 8956.23
ATLAS.FN-FULL-NAME(RR.NAME-U) SS-NO
BRENDA ALLANDER 178588509
Page 1
EJCEUBIT C
ASSIGNMENT
The undersigned Cavalry SPV I, LLC ("Assignor"), effective as of July 9, 2010 hereby
transfers and assigns to Cavalry Portfolio Services, LLC, a limited liability company organized
under the laws of the State of Delaware ("Assignee"), all of Assignor's rights to pursue
collection and judicial enforcement of obligations under each of the Assignor's accounts
purchased pursuant to that Purchase Agreement dated June 28, 2010, by and between Assignor
and Riverwalk Holdings, Ltd., as amended, including engagement of attorneys and
commencement of legal actions reasonably required to enforce said obligations, for the
consideration of Assignor's covenants in the Servicing and Management Agreement between
Assignor and Assignee dated as of June 13, 2003.
This assignment of Accounts shall be governed by the laws of the State of New York
without regard to the conflict-of-laws rules thereof.
ASSIGNOR:
Cavalry SPV I, LLC
B °? Ale
Y:
NamAe'l
E.
Strau
Title: Executive Vice President
Riverwalk 7.10
?D
M WaMu`
PO. Box 660133, Deb., TX 75266-0133
Indicate change of address on back
YM I want ID Theft Inspect Premier.
I authorize the nofis provider to obtain and
mmfia my a d??a flan the credit bureaus
and the fee of 17.99trtwf%If to Dg alomaticaly
billed to my account after 30 days. (D)
1
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
lirn6L617LIflltnlilllll,nluliultlurllu1sills lllutl
Payment Minimum Balance as of Account
Due Date Payment 11121M007 Number
12119/07 51,070.00 SB,934.35 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
N
000 Make Checks Payable to Washington Mutual
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
Irtill nrll6nurl6nl6nll6u66IIIItill llln666r11
4031142700910420 0107000 0893435'0015000 23
DETACH HERE
0 6092 0894 105 2 1 23 071121 PAGE 1 of 1 mLa204c wooo OlM6092 29088
19.80
Important Messages
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment fisted above along
with the overlimit amount immediately. You may also callus at 1-800-280-9441 or vissil us at www.wamur-anhelp.com for
payment options.
CORRECTION NOTICE: We sent you a Charge in Terms to your Account Agreement with your September billing
statement As part of that Change in Terms, we restated the formula for calculating your current Default APR in the
'Important Messages' section of your statement Unfortunately, the formula was incorrect please ignore IL The formula for
calculating your Default APR remains the same as it was before the incorrect formula was printed on your statement and Is
as follows:
Default APR: Prime Rate+23.74%.
If you have any questions, please cat 1-800.356-0011_
Our Web site has an exciting new look! Ifs now simpler to access all the into you want - balance due, payment due date,
recent transactions, your credit score, and more. Plus, its still easy as ever to make a payment Now's the time to get
sf.rt d of -a n lit fYVn
Account Summary
Statement Closing Date 11!21!07 CredRs & ante $0.00
Crete Lire $8,410.00 Cash Advances + $0.00
Available Credit for Cash Advances as of 11121107 $O.OD NEW BALANCE - $8,934.35
Transactions
Tran Post
Date Date Description Refference Number Amount
Nov 19 Nov 19 LATE PAYMENT CHARGE 0000 .00
Nov 21 Nov 21 OVERUMIT FEE. 0000 539.00
.. Ovedlmkby .35 on 11 707
FOR.BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category.
Average Dally Periodic Corresponding Finarfce Grace
Daly Balance Rete APR Charges Terms
Purchase - Current Cycle $4,334.15 .0863% 31.49%' $11221 Term A
Cash - Current Cycle $4,408.61 .0863% 31.49%' $114.14 Term B.
EffecBve:ANNUAL PERCENTAGE RATE (APR): 31.06% 'Tbese rates may very..
The Corresponding APR-is the rate of Interest you pay when you tarty a balance on purchases oreash advances. The Effective APR represents .
..your total finance charyes - irakktng transaction fees such as cash advance and balance transfer fees - atpreased as a perceiuaga. - -
For24 hour Autotiipted Account lntormeUon, ple ise call 1-885-892WAMU(9266j or visit us at www.wamocards.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
We`ve made things simpler at wamucards.6M.
..It'snow easier:than ever to manage your credit card account online. Our streamlined
navigation lets you move around,the sitefaster,. plus there's enhanced. security, transactions:
at a glance; and,more.
Your Gard-ActAfiirti "eke a Payment Credit ProRls- : Transfer a?tlalance - -
Traseeettes Hlrwr# 10rdet Statements [Marriage YourA=isi t Olfen a Card'lnhancenent`s
Go to wamucards.com today!
35019711
M WaMu`
P.O. Box 660133, Oats. TX 752664133
Indicate change of address on back
YES! I want ID Theft Inspect Premier.
I authorize the s prov der to I?x1 and
and the femme of 17 nth I beaulom kallyy
billed to my account alter 30 days. (0)
wr.. oe
Payment Mlnlmum Balance as of Account
Due Date Payment 12120/2007 Number
01/16/08 5323.00 58,062.87 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black Ink)
s ?1?0?.0?
N
000 Make Checks Payable to Washington Mutual
50012078432611 12062
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 17011-1750
11111111 loll IIIII$$11111111,1161111161to 111u611111111111 1111111nt111unn11111111111111111111111n111,I1nI11/1n
4031142700910420 0032300 0806287'0107000 23
i DETACH HERE
0 6092 0907 105 2 7 21 071220 PAGE 1 of 1 MLR204C 62000 01AB6092 12062
V Account Summary
t i L
Statement Cbsfn Date 12/20107 Credits & Payments $1,070.00
?„
sip 1 r a
Credit Line $8,410.00 Cash Advances + $0.00
Avaflable Credit for Cash Advances-as-of- 12/20187 $347.00 NEW BALANCE - $8.062.87
('.
LVBNEENAVM
Transactions
Iran Post
Date Date Description Reference Number _ Amount
Nov 23 Nov 23 PAYMENT RECEIVED - THANK YOU 74185867327664061738429 0000 1.070.00
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,733.02 .0856% 3124%' $92.67 Term A
Cash - Current Cycle $4,264.10 .0856%' 3124%• $105.85 Term B
Effective ANNUAL PERCENTAGE RATE (APR): 29.78% 'These rates may very.
The Corimporldklg APR is the rate of Interest you pay when you carry a balance on purchases or rash advances. The Effective APR represents
your total finance charges -including transaction lees such as cash advance and balance transfer fees - expressed as a percentage.
For 244hour Automated Account information, please call 1-666-892-WAMU(9268) or visltus at www.wamucards eom
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
WaMu ID Theft Inspect' Premier
We'll fight ID theft, so. you can rest easy.
Millions of Americans1all victim to identity theft every year. Protect yourself today
by signing up for ID Theft Inspect' Premier. With your membership, you'll get:
• Reports and scores from all three credit bureaus
• Monitoring of your credit information every business day
• Access to fraud specialists if there's a problem
• Surveillance of Internet chat rooms where credit card information is illegally traded
• Prompt alerts by email, mail, phone, or text
Sign for ID-Theft Inspect Prander today.*
Siniply initial the enrollment box at the top of your payment CDUpon..:
*See the endosed ID Theft Inspect Premier insert for more information.
_ 1610'710.
M WaMu-
P.O. Boa 660633, D.46, TX 75266-0633
Indicate change of address on beck
Payment Minimum Balance as of Account
Due Date Payment 0112212000 Number
02/10/08 5697.00 50,390.11 4031-1427-0091-0420
AMOUNT ENCLOSED(uee blue or black Ink)
N
000 Make Checks Payable to Washington Mutual
50012078432611
assn
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 17011-1750
11u111191n1111111111111111'119.1 III Dili I I Dill 111111"I I III I I I I I III%III III l' 1811 Id l ill I'll
4031142700910420 0069700 0839011 0107000 23
DETACH HERE
c 6092 0931 105 2 7 23 080122 PAGE 1 Of 1 MI 209B 8000 01M6092 29571
nportant Messages
'OUR ACCOUNT IS PAST DUE. Please pay the minimum payment listed above immediately. You may also cell us at
-800-280-9441 or visit us at tMww.wamucanhelp.comfor payment options.
'EDERAL TRUTH IN LENDING DISCLOSURES UPON RENEWAL OF ANNUAL FEE SEE REVERSE FOR
MPORTANT INFORMATION.
Account Summary
Statement Closing Date 01/22/08 Credits 6 P menu
IM - 50.00
I
NE
Credit Late WS
$8,410.00 Cash Advances + $0.00
Available Credit for Cash Advances as of 01/22/08 $0.00 NEW BALANCE $8,390.11
Transactions
jran Post
Date Date Description Reference Number Amount
3an 17 Jan 17 LATE PAYMENT CHARGE 0000 $39.00
Jan 22 Jan 22 ANNUAL FEE 0000 $59.00
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cyde $3,813.32 .0849% 30.99%' $106.84 Term A
Cash - Current Cycle $4,368.91 .0849% 30.9996' $122.40 Term B ,
Effective ANNUAL PERCENTAGE RATE (APR): 33.629: 'These rates may yary.
The Comaspondig APR Is the rate of interest you pay when you carry a balance on purchases oroash advances. The Effective APR represents
your total finance charges - including transaction fees such as cash advance and balance transfer lees - expressed as a percentage.
For 24-hour Automated Account Information, please call 1-866-892 WAMU(9268) or visit us sf wwar mmmucards com
Your account Is Issued by Washington Mutual Bank Henderson, NV.
M WaMu`
PO. B9x 660433, Dares, TX 75266.0433
Indicate change of address on back
YES] Protect my account wfM OPTIONAL
Credit Protection (C
E the ardosed Iry nlembershhip fee dd$0?.7(9 f>e and
S1 W of my l>a err cad [to Ce deed to try amo rIL (w
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
111,11 LLt61,Ll1r16 111116 6 6 1 6 111„I,I1111n66n111 Bill
Payment Minimum Balance as of Account
Due Date Payment 0212112008 Number
ovt9roo i
J 5317.00 57,goo.s7 4031-1427-0091-0420
- AMOUNT ENCLOSED (use blue or bieck ink)
?`
`?' ?0??1:1.?1:1
N
000
Make Checks Payable to Washington Mutual
35]29
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
4031142700910420 0031700 0790057 0069700 23
DETACH HERE
0 6092 1005 105 2 0 23 050221 PAGE 1 of 1 MLR204D N000 0-6092 35328
nportant Messages
sways remember to allow tirne for payments to reach us by the Payment Due Date and check your available credit fine
)efore using your card. You could incur tees and see your APRs increase it we don't receive your minimum payment on time
you go over your credit limit any lime during a billing cycle.
pccotrnt Summary
•Staterrient Closbt Data 02/21/08 Credits III Pe meets $697.00
Credit Line $8,059.00 Cash Advances + $0.00
-Available Credit for Cash Advances as of 02121/08 $158.00 NEW BALANCE _ $7,900.57
Transactions
Tren Post
Dee Deft Description Referenrs Number Amount
Feb 16 Feb 18 PAYMENT RECEIVED -THANK YOU 74185888849554084809093 0000 $(897.00)
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Deily Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,911.78 -0828% 30.24%' $97.17 Tenn A
Cash - Current Cycle $4,440.13 .0828W 30.24%' $11029 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 29.80% 'These rates may very.
The Corresponding APR Is the rate of Interest you pay when you carry a balance on purchases or cash advances The Effective APR represents
your total rsence charges - Including transaction lees such as cash advance and balance transfer fees - expressed as a percentage. .
For 24-hour Automated Account Information, please call 1-866-892-WAMU(9268) or visit us at www.wamucards.com
Your accountla Issued by Washington Mutual Bank, Henderson, NV.
Financial flexibility Credit Protection can make life more manageable by:
rit
-
And sec • Putting your account payments on hold for up to 12 months"
"
y
u a Suspending your fees and finance charges for up to 12 months
when you need • Having your account balanlewith us canceled for up to
o
t
h 310,000=
s
t
em m Sign up today! Simply initial the Credit Protection box on
your payment slip at the top of your statement.
*See the enclosed Credit.Protection insert for more information (including eligibility requirements,
conditions, and applicable monthly fees). sscPe7o6
M WaMu'
P.O. Box 660433, Dale., TX 75266-0433
Indicate change of address on back
We need your contact Info! M1 Contact you in
case of traudonyour account.Toupdate youp!tate
numbers, use the back of he payment coupon.
Cal 800.280.0551, or go to wamucards com.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
lilt IIIIlilt 36IIIIIItllulhn6tluI61I66f,11M61ur116r3
Payment Minimum Balance as of Account
Due Date Payment ,D3/25/2DOB Number
oazl/oe s3tz.oo 57,797.oa 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black Ink)
Q
`t' [][:][]??.[-]Fl
N
pap
Make Checks Payable to Washington Mutual
9965
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
III lilt .,IIIttrttt1111111n31t6f166611uttn16t666t
4031142700910420 0031200 0779704 0031700 23
DETACH HERE
c 6092 1015 105 2 7 23 060325 PAGE 1 of 3 MLR204D N000 Ot"6092 8965
Important Messages
"Please review and keep the Important Notice of Changes to your Account Agreement at the end of this
statement'
Now there's an easier way to pay your federal tax bill. Use your WaMu credit card and pay online. Irs fast, easy and
secure. Just login at wam6xards.com to learn more.
Account Summary
Statement ClOsing.Date 03/25/08 Credits 6 P mints - $317.00
Credit Litre
a $8,059.00 Cash Advances +
m= $0.00
I
Available Credit for Cash Advances as of 03125108 $261.00 NEW BALANCE = $7,797.04
Transactions
jran post
Date Date Description Reference Number Amount
Mar 19 Mar 19 PAYMENT RECEIVED - THANK YOU 74185868079554003556561 DOW $(317.00)
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Dally Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase- Current Cycle $3,589.47 .0815% 29.74%' $96.54 Tenn A
Cash - Current Cycle $4,347.58 .0815% 29.74%' $116.93• Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 32.27% 'These rates may very- .
The Corresponding APR. is the raft of Interest you pay when you can a balance on purchases or cash advances. The Effective APR represents
your total frame charges - Including transaction fees such as cash advance and balance transfer lees- expressed as a percentage.
For 24-hour Automated Account Information, please call 1-886.892-WAMU(9268) or visit us at wisnaxamucards corn
Your account la Issued by Washington Mutual Bank, Henderson, NV-.
IMPORTANT NOTICE OF CHANGES
TO YOUR WASHINGTON MUTUAL VISA°lMASTERCARD°
ACCOUNT AGREEMENT
MARCH 2008
Issuer. Washington Mutual Bank, Henderson, NV
As explained below, we are amending your Visa/MasterCard Account AgreemenL These changes will become effective
on May 1, 2008 (the "Effective Date"), unless otherwise Indicated below. The following explains these changes. All
other provisions of.your Account Agreement remain In effect Please read this entire notice carefully and keep it
for your records.
Summary of Changes
If not already applicable to your Account, the following tern changes will be effective on the first day of your first
billing cycle that starts after the Effective Date:
Default APR: The Rime Rate plus 23.99%. This APR may vary with changes in the Prime Rate.
Please see the Amendments to section 4 below for a full disclosure regarding changes to your Default APR.
If not already applicable to your Account, the following tern changes will be effective on May 5, 2008:
Retuned Payment Fee: $39.
Please see the Amendments to section 5 below for a full disclosure regarding the Returned Payment Fee.
if you do not wish to accept these changes to your Account Agmemerd, you must notify us in writing by April
30,2008; Indude your new, address, and telephone number, and tell us that you wish to close your Account
and keep your current terms. Please note: My of the terms that are already applicable to your Account will
remain in effect If you choose to opt out and dose your Account Please send yaw written notice, allowing
sufficient time for us to receive it by the deadline, to Card Services, Reference 000308, P.O. Box 99606,
Arlington, TX 76096-9608
The following explains in full the changes to your Account Agreement. Some of these changes may already be a
part of you Account Agreement All other provisions of you Account Agreement remain in effect
Amendments to Section 4. Finance Charges
Beginning on the first day of your first billing cycle that starts after May 1, 2008, the Default APR paragraph of
section 4 is amended to read as follows:
Default APRs: We will not increase your APRs solely as a result of your being reported delinquent on an account
with another credit . However, each time you default on this or any Washington Mutual account because you fail to
make at least the Minimum Payment by the Payment Due Date, exceed your Credit Line, or make a payment to us
that is not honored by you bands, we may increase the APRs on your Account up to a maximum of the Prime Rate
plus 23.99% (the "Default APR"). Using the Prime Rate In effect for billing cycles beginning In January 2008 as an
estimate, the Default APR would be 30.49% (0.0835% corresponding daily periodic rate). Factors considered in
determining whether and by how much to Increase you APRs include the frequency and severity of defaults and
other indicators of Account usage and risk on accounts with Washington Mutual. We will also consider your overall
credit risk, as reflected by a variety of internal and external credit-scoring models. These models consider your
performance on accounts with Washington Mutual and other creditors.
Amendments to Section B. Other Fees.
Beginning May S. 2008, the Retuned Pe m it paragraph of section 5 Is amended to read as follows:
Returned Payment Fee, if you payment Item is returned to us unpaid for any reason, we may charge a fee of $39.
If you would like a statement of specific reasons why we have decided to amend your Account Agreement, please
write to us Rickide.your creme, address, and Accamt number) or call us, within 60 days of the date you receive this
notice, at Card Services, Reference RLD308, P.O. Box 99606, Arlington, TX 76D96-9606; toll-free 1-800-356-0611. All
other inquiries should be directed to Card Services, P.O. Box 660509, Dallas, TX 75266-0509. You are entitled to the
statementof specific reasons within 30 days of you request
The federal Equal Credit Opportunity Ad prohibits aeditas from discriminating against credit applicants on the basis
of race, c olgr, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter Into
a binding cord aeq;because all or part of the applicant's Income is derived from any public assistance program; or
because the applicant has in good faith exercised any might under the Consumer Credit Protection Ad. The federal
agency that adrninistais compliance with this law concerning this creditor is the Office of Thrift Supervision, P.O. Box
7165, San Frandsm- CA 94120.
,4CC2M
6092 1015 105 2 7 23 050323 FA 2 of 3 COLR2060 °000 01AR6092 6765
M WaMu-
P.O. Bo. 660433, Dslsa, Tx 752W-W3
Dndicale change of address on back
YES! I want ID Theft burped Prgmier
I audhortle the Is pr17Y1d8r to?bt and
monitor my cr data from the cr Oureaus
and the tee of 17.g9hnalih to be aldomaGcaly
billed to my account after 30 days. Nl
uwuaa
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 752660487
IIr33l1L?u3lrlrl111111 luulu?lulr?u11ln111ur11lnrl
Payment Minimum Balance as of Account
Due Date Payment 04/2312006 Number
05/20/08 5269.00 57,665.60 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black Ink)
N
000 Make Checks Payable to Washington Mutual
31281
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
11r1111111l?nnn??n111111111r111111111111111111n1116111
4031142700910420 0026900 0766560 0031200 23
DETACH HERE
0 6092 1052 . G 1 7 23 080423 PAGE 1 or 1 COLR204B 8000 MAB6092 31281
nportant Messages
3reak free from winter, spring Is here. Use checks to access your credit fine and make the most of the season.
?ou still have tine to pay your taxes. Use your WaMu credit card and pay online. ICs last, easy and secure. Just go to
vamu cards.com to learn morel
Ore you ready to rock? Turn up your bank (TM) for some sweet perks] Visit www.wamulive.com for details on the latest
shows and to stay connected to your favorite artists. WaMu. Bank Minded. Wild at heart. (TM)
Account Summary
Stelsmertt Closing Dale 0113108 Cry 8 Paymen=_
Credit Line $8,059.00 Cash Advances + $0.00
AveNable Craft for Cash AttAMM as of 04Ma $393.00 NEW BALANCE - $7,6136.60
Transactions
Iran Post
Date Date Description Reference Number Amount
Apr 20 Apr 21 PAYMENT RECEIVED - THANK YOU 74185868112654041409486 0000 - - - $(312.00
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Dairy Periodic Corresponding Finance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,488.08 .0794V 28.99%' . $80.32 Term A
Cash - Current Cycle $4,353.17 .0794% 26.99%' $100.24 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 27.63% - 'These rates may very,
The Corresponding APR is the rape of intereat you pay when you carry a balance on purchases or ash advances The Effective APR represents
your total finance charge! - Including transec8onfeea such as cash advance and balance transfer fees - expressed as a percentage.
For 24-hour Ardomsts(i Account Information, please call 1=866-892-WAMU(9268) or visit us at wefW.wamucards corn
Your account in Issued by Washington Mutual Bank, Henderson, NV.
Refinance. New home. We offer a variety of loan products at competitive
rates and a team of experienced Loan Consultants.
Second home. Because you're a valued customer, your application,
fora new loan will be reviewed quickly and the . .
At MM% We're here to help you transition will be easy.
achieve your goals. 'Call'us today. at 866.566.7201 or visit us at
_tnrdmu.eom/greatloan
Washington Mutual programs,. rates, and terms subject to change. Certain restrictions and Q
fli
w
ll f
o
conditions appply. Some. progiams may not be t
eatures are
combined
ith of ers. N
t a
available ort all products. IIHP0962
M WaMu`
P.O. Box 660637, Darts, TX 75266-0633
Ondicate change of address on back
YESI Protect my account with OPTIONAL
Credal Protection (CPI.
I aaw?e ? the atd05ed CP Tams 8 CO XWM and
@W odze the _n"t maobadt4 fee ar 60.79 per
$100 of my balance o be Well to my aaa rd (/?
Payment Minimum Balance as of Account
Due Date Payment 05123/2008 Number
o6n91os sz55.oo s7,s7e.7a 4031-1427-0091-0420
AMOUNT ENCLOSED (u99 blue or black ink)
N
000 Make Checks Payableto Washington Mutual
50012078432611
ro359
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 17011-1750
nritlr?m?t?t??tu??u?lnulnlinirinriiulrlnr??lnrl lnriliur???tnnr??uri?urilinrlrltirilunnlin?rlrltr
4031142700910420 0026600 0757874 0026900 23
?. DETACH HERE
0 6092 1097 T G 1 1 23 090523 P-9 1 or 1 COLx20rC No00 01A96092 .0356
mportant Messages
Time for spring cleaning or household repairs? No need to delay, use checks to access your credit fine and get the cash
you need.
Give the perfect gift for Mother's Day, Father's Day or Graduations - a WaMu® MasterCard® Gift Card. Enjoyed anywhere
Debit MasterCard is accepted, you save lime and your recipient can buy what they went Go to wamu.conJgiftcard and buy
one today. Check website for details. Gift Card Is not FDIC insured.
?-tlrlt Summary
Statement closing Deb 0512" Credits & Payments $259.00
Credit Lkle $8.059.00 Cash Advances + $0.00
Available Credit for Cash Advances es of 060M $480.00 NEW BALANCE - $7,678.74
Transactions
Tran Post
bate Dab Description Reference Number Amount
May 12 May 12 PAYMENT RECEIVED -THANK YOU 7418586913355408704079 8 0000 $(269.00)
(=OR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average DailyPeriodlc Corresponding Finance Grace
Delly Balance Rate APR Charges Terms
Purchase --Current Cycle $3,33254 .0794% 26.99%' $79.36 Term A
Cash - Current Cycle $4,313.90 .079496' 28.99%' $102.76 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 26.68% 'These rat es may very.
The Corresponding APR is tiro rate of interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total finance charges - I icludig transaction tees such as cash advance and balance transfer fees= expressed as a percentage.
For 24-hour Automated Aecount hdormatfon, please call 1-866-892-WAMU(9268) or visit us at www.wamucards.com
Your account is issued by Washington Mutual Bank, Henderson, NV.
e
r With Credit Protection, if the unexpected happens you can
suspend your WaMu credit card payments, for up to 12 months
with no fees or interest!,
ees
Eligible events include:
• Involuntaryjob loss • Caie of a new baby
aterest Disability • Care of a sidc family member
Hospitalization.. Active military duty
Signing up is. easy) just initial the Credit Protection box at the
top of your paymentcoupon and. get the first 30 days freel"
`See the encloseA. CreB llnfkc6nJ&h%and $ol #fns =e'rt for Its hall pograin detaik -After the hial (iai9d, .:
the membership fee of 1711 pet M of ymu Iramhly. balanee rod be hged to you Wallu card each month
. 16CPBB05
M WaMu-
P.O. Box 660433, Dabs, TX 75266-0633
andicate change of address on back
YESI Protect my account with OPTIONAL
Credit Protection (I
I ages ro the enclosed Terms b OandifloLt and
50.79 per
@urt adze the nantllN nlembershb lee of
5100 01 my tics a be hekd to by eomunt (N
1-:
Payment Minimum Balance as of Account
Due Date Payment 06/24/2008 Number
07121/08 5265.00 57,562.67 4031-1427-0091-0420
AMOUNT ENCLOSED(uaablueorblacklnk)
N
000
Make Checks Payable to Washington Mutual
50012078432611 267236
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 1.7011-1750
ILr11111LIII r11IIO11111II6rrr11111111111111111111111111„rl 11 oil 1111111111 51 11111111 be III 111111111
4031142700910420 0026500 0756267 0026600 23
nportant Messages
Asks your vacation dreams a reality. Just use checks to access your credit fine.
'ere you ready to rock? Turn up your bank (TM) for some sweet perks! Visit www.wamulive.com for details on the latest
Chows and to stay connected to your favorite artists.
NaMu. Bank Minded. Wild at heart (TM)
DETACH HERE
e 6092 1358 G G 1. 7 23 060626 PAGE 1 of 1 MLR204D 8000 01AS6092 267236
Account Summary
Statserteat Closing Date O6I24iD8 CImerl-- _
• CreS Line 059.00 Cash Advances + $0.00
Available Credit for Cash Advaraxs as of 06/24= $496.00 NEW BALANCE $7,682.67
Trenaactions
Tran Post
h.. n t. ru.erintlnn Reference Number Amount
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Deily Balance Rate APR . Charges Tsrrns'
Purchase - Current Cycle $3,307.80 .0787% 2&74%' $83.30 Tenn A
Cash - Current Cycle $4,35329 .0787% 28.74%' $109.63 Tenn B
Effectlve.ANNUALPERCENTAGE RATE. (APR) : 30.21% 'These rates may very.
The Corresponding APR is die rate of interest you pay when-you carry a balance on purchases or cash advances.. The faedfve APR represents
youi total finance charges - including transaction fees such as cash Advance and balance transfer fees -expressed as a percentage.
For 24-hour Automated Account information, please call t-Bfi64192 WAMU(9268) or visit us at wwwmamucards.com.
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
With, Credit Protecfion, ifthe unexpected happens you can. .
suspend your MMu credit card payments forllp to.12 months
with no fees-or interest'
i Eligible events include:
• lmroluntaryjob.loss < e Care of a new. baby
No Interest Disability Care of a side family member .
• Hospitalization. • Act(vemilitoryduty
Signing up is easy) just.ini6al the Creditprotectfon box at the
top of j dur.payment coupon and: get the first 30 days (reel'"`
-Seethe apldmil Credit Protection Terms and Cal?Uals inset for Alit f d')xOrm details: l°Aftar &-trial peeled,
the membaft fell of 5.79 per Sioo of your i mmft balance yd be b'fled tb ywr Wails card eadrmonth..' .
- iaa eaoS .
M WaMu-
P.O. Box 660633, Deks, TX 75266-0433
Qndicale change of address on back
We need to hear from you. Now4 the
time to make a payment. Call 800.280.0561
or visit wamucanhelpcom to learn about easy
and convenient payment options.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
nrlrltlmlrlrlluillullnulnllnlrlmlltrlrlntlllrn
Payment Minimum Balance as of Account
Due Date Payment 07/24!2008 Number
?o/os ss3e.oo $7,703.90 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
$?????.??
N
000 Make Chacks Payable to Washington Mutual
BRENDA ALLANDER 5261.
12 WINDSOR WAY
CAMP HILL PA 17011-1750
nrlllrulllnunilru16u11111r61r6Ilulinl6t61tltr
4031142700910420 0053800 0778390 0026600 23
DETACH HERE
6092 1421 ]YG 1 7 23 060724 P-9 1 0f I MLR204e N000 03A96092 52614
nportant Messages
TOUR ACCOUNT IS PAST DUE. Please pay the minimum payment listed above immediately. You may also call us at
800.280-9441 or visit is at www.womucanhelp.comfor payment options.
Account
In case you. misplaced. your bill, or simply forgot,
a payment is due on this account.
Log in at www.wamucanhelp:com Where you can:
• Make payments online
• Update your contact information
• Get current account details and much more
Make a payment online. Login toda
•Stalemant Closinct DaN 07/24/08 CredNe_ dPayments -
cram une $8,M.W Cash Advances + .-
$0.00
Avallabla Credit for Cash Advances as of 07/24108 $0.00 NEW BALANCE - $7,783.90
Transactions
Iran Post
Date Date Description Reference Number Amount
Jul 21 Jul 21 LATE PAYMENT CHARGE 0000 .00
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daly Periodic Corresponding Finance Grace
Daly Balance Rate APR Charges Terms
Purchase - Current Cycle $3,286.71 .0794% 28.99%' $7829 Term A
Cash - Current Cycle $4,363.67 .0794% 28.99%' $103.94 Term B
Effeetlw ANNUAL PERCENTAGE RATE (APR) : 28.56% 'These rates may vary.
- The Corresponding APR Is the rate of interest you pay when you carry a balance on purchases or cash advances. The effective APR. represents
your total finance charges - 4kiudi g transaction fees such as cash advance and balance transfer fees - expressed as a percentage. .
For 24-hour Automated Account Information, please call 1-866892-WAMU(9268) or visit us et www.wamucards com
Your account in Issued by Washington Mutual Bank, Henderson, NV.
M WaMu-
P.O. Boa 660433, Dales, TX 75266-0433
Dndicale change of address on back
We need to hear from you. Nowt the
time to make a payment. Call 800.280.0561
or visit wamuonhelpcom to team about easy
and comrement payment options.
50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
II 1111111113r66111111L,ILrrfLdl Bill n16166rullirlrl
,161115
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
I I 111111rlllnulilt 1111111111111191111 1111111111111111111
4031142700910420 0081900 0800414 0026600 23
DETACH HERE
6092 1511 XfG 1 r 23 090822 PAGE 1 of 1 MLR2049 X000 01Ra6092 362115
nportant Messages
FOUR ACCOUNT IS PAST DUE. Please pay the minimum payment listed above immediately. You may also call us at
-800.280-0441 or visit us at www.wamucanhelp.comfor payment options.
Cash Advances + $0.00
Transactions
Iran Post
Date Date Description Reference Number Amount
Aug 20 Aug 20 LATE PAYMENT CHARGE DODO $39.OD
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daly Periodic Corresponding Finance Grace
Daly Balance Rate APR Charges Terms
Purchase - Current Cycle $3.404.00 .0794% 28.99%' $78.38 Term A
Cash - Current Cycle $4.467.03 .0794_% 28.99%' $102.86 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 27.63% 'Thee rates may vary.
The Corresponding APR la the rate of interest you pay when you carry a balance on purchases orcash advances. The Effective APR represents
your total finance charges - kuckld(rIg transaction fees such as cash advance and balance transfer fees - expressed as a percentage.. , . .
For 24-hour Autommu ld Account hlformatlon, plesee call 14868-892-WAMU(9268) or visit us at www.wamucards com
Your account Is Issued by Washinglon Mutual Bank. Henderson, NV.
In case you misplaced.your bill, or simply forgot,
a payment is.due on this account.
Log in at www.wamucanhelpcom Where you can:
• Make payments online
• Update your contact information
Get current account details and much more
Make a payment online. Login today..
.. 15CEM:
Payment Minimum Balance as of Account
Due Date Payment oa/m.08 Number
ognruoe sets.oo sa,olu.14 4031-1427-0091-0420
AMOUNT ENCLOSED (-blue or black Ink)
?Ta
N
000
Make Checks Payable to Washington Mutual
M WaMu-
P.O. Bn. 660133, Dells, TX 75266-0x33
Qndicate change of address on back
Pay your bill online-or set up
automatic payments.
Go to wamucards.com
Payment Minimum Balance as of Account
Due Date Payment 09!2412006 Number
1a21loe szs9.oo s7,379.a1 4031-1427-0091-0420
AMOUNT ENCLOSED(- blue., black Ink)
QQ
N
000 Make Checks Payable to Washington Mutual
50012078432611
164811
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 17011-1750
rr 111111111 111811 tIIIIII613161111,66rrI h 166tfII6tll I111III111I111OOr1I1111111111111111111111111111111166111
4031142700910420 0025900 0737981 0081900 23
DETACH HERE
0 6093 1537 "0 1 7 23 080924 PAGE I of 3 COLR201D 5000 OIAB6092 164844
Important Messages .
-Please review and keep the Important Notice of Changes to your Account Agreement at the end of this
statement Our Consumer Privacy Notice Is also enclosed with this statement. We ask that you review this notice
to understand both our Privacy Policy and the choices you can make. Finally, please review and keep the enclosed
Important Notice of Changes to your Washington Mutual CardholderBenefits.-
Account Summary
Stelement Data 08/24/08 Credds a Paymen=
Credit Llns AO Cesh?Advancss + $0.00
Avallable Credit for Coah Advances as of OW2408 $147.00 NEW BALANCE - $7,379.81.
Transactions
Iran Post
bate Date Description Reference Number Amount
Aug 29 Aug 29 PAYMENT RECEIVED-THANK YOU 741868682425540023631700000 $(819.00)
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance category
Average Daily Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,112.85 .0794% 28.98%• $81.56 Tenn A
Cash - Current Cycle ° $4.316.75 .0794% 28.99%' $113.11 Term 'B
EffectiveAANNUAL PERCENTAGE RATE (APR): 31.44% 'These, rates may vary.
The Corresponding APR Is the rate of Interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total Mane charges - induding tranwctfon fees such. as cash advance and balance transfer fees - expressed as a percentage.
For 24-I tour Automated Account bdormetion, p" cell 1-866$92-WAMU(9258) or visit us at www.wwnucwds.com
Your account is Issued by Washingtori Mutual Bank, Henderson, NV.
IMPORTANT NOTICE OF CHANGES
TO YOUR WASHINGTON MUTUAL VISA°/MASTERCARD°
ACCOUNT AGREEMENT
SEPTEMBER 2008
scone: Vihftowm fdubd Bads, Ae &SA w
As explaaed bdow, m am a wdq your Vsa/fdasWad Aremrd Apeeme d. These doW will become efieem on Nommber 1, 2006 (Ilea Effec m
Date'), udem dorm i I - how The folaimm m pbim the dwom All Ww pm&uu of your Account Agramest retain in effect Please mead
this eatim notice carefully and keep R for year records.
Summary of Changes .
The folowiq farm change vii be e0ec live m the fast day of your fast king cycle that starts afar the EBecm Doh:
Default APB: the Rimm Rate plus Z0k Ths APB may wry with changes in the Rim Ante,
Please note itet the Default APR Is to Mod level to WO yer APRs may be wtmetcelyr namsed if you pay late, exceed year lkalA lee, or rake a
paymed trot is rehmed unpaid. Please see to Ammdhmb to secim 4 below for a hi dsdomre mgadiq dhmges to your Default APR
R you do not wish In accept tin dtavhpe to year Amount Agreamnt, yes spat matily us in willing by OcbW 31 2006; Include your
mama, adhMsat, amt tdhtyhamr maafaos', and bill us that you wish b doss ym Account and bop year and hoes. Mm note: Any
farm tat is *o* appieabb to ymmr Annual oil mob le affect d yen comae h opt and and dose your Auxwd. Please mad your
w 0m Wee, alovrkq sufficient Uses hr as In receive ft by the deadfhe, h: Curd Services, Reference 009118, PA Bun 99606, Arrmgt mm,
TX 760961960&
If nit *so applicable to yw AcmxK to flowing temp do* wi be o fectve knnedetely:
Telephone emmmudeadi nc ale are clarifying its MvWm b explain dud we mry ammo you led ma mpea or cal ymx, uskq aatmdnlea or prwecedad
MesmgeL
Please see to dmdmeus to subm 21 blow for a lei & dun on Telephone Commrmicatms
The folowing is a rimifiatm of m oktaq hmm and oil be egectve hmeh .
Appllafirm all Pop, : Mh will apply ywr pwm* fwd to fiemke dirges and fees, and to to Baku Colepies (including new ba nallmr) lnao
Wed to hilt APR
Pleas we the Ammhendmade to oft 6 below for a hill drdomm m Application of Payrnenk
The falawiq giWm in id be closes is your hxmd Agnimis t Al otha prmisiam of your Amend ApmW rmmin in elec.
Aosmimnenis Is Sodium 4. Rmmes Marne,
Bepkaiq on the fiat day of your fund ling cycle het starts after kunber 1, 2!106, the Default APB paragraph of seam 4 Is emmmded to read as
iwimK
DdM Mills: Mk wR and noun your APRs eddy a a not of your beep mpwW dekgwd an an mcou t vab amtha unwise. Ikseva, each On
you del olt m fns or ay l if dimgtm Wad acceunt beams yea eft b cab d least dm 10niman Payment by to Pr mt Dee Date, eked yew Credt
Lke, it male a pay nod Is us fleet's not hmmW by your bards ws mil imktesse tm APBs on your Account up to a nun 1 1 of to Rim Rah pka
26.99tk ON m" APB'). U&B the Prim Rale in died for billing cycles bepkwng in 44 2008 at as eafamh, to Detect APR would be 312%
(fIOBIBiS mraprr3q duly perndc rate! Fades mrddeed b dd nmihbq wimdha ad by how much b km m yw APRs ktk de to frewq ad
wienly it ddmrlte ad der bnda I of Account amga and rdc on acemmnte whi0n Vhdungton Wuhal Mb vi on mnWff your moral mdt 4 as
mimW by a wdaly d nhmrl and edam! msedt nomq amdak Than mum ek mm& yaw pdmmhoe m accads wih Wahkgtm Wmhd ad altos
crofts
Ammmdmdt h Sadlan L Rw Mh Caldate lost Baba and the Reams Mmmma m Ballroom
ERediw im mb do Application of Paymmh paapapk of seclon 6 of your Ahxeet Agreanant s a waled to mad as flows
AppBcalis d Poym muds. A prpet or any othe aed a? wR rein your Auoud bab m a and the day 1 pews to your Amount Ponds posted
moray and be immlobly awlable far your me (see aft 3 for moo iulammeb abet ymr paymns ni
? W in I== cloges ad ? APR
(hose ' have bees holy pokt In We= (iic uft mwttma m) n the Nbou Calevilh naMmsed APi4 md Imme balms
have bees pelK and set as, mi all bolum have been pct Ths means rid balances sub to pmormtmal or nbeduduy APRs wi be paid before
balances mW to higher APRs t to Rsedaese Btlance and aetha Baku C* my have to an API, paysrum 12 geode will be applied &0 to
Phrclhasm
EUectm imredrtelX metro 21 of yw Account Agreement is mended Is mW so fellow
2t Wq hrue b mu kdms: You adook at to al you or std a fed message is you d any maosha ym provide or d my umber at W" we
fessomilt score we eamm anlad yon, ndudng ale to ankle, cduhr, or sink dances, ad kslndmq alt using atshrte won miahq syst m .
lower premnco . nwreapm, for any ksfd papou, ndmdmq but not field I« 0) upechd head or ftft U% M obtaining idenatm nseeaay or
de** (4 yw Amt kesa I ors *ft and (4) mkft m yw Amwt knbo you prodde kdxle awakes yes gk m and/or meshes
hair which yen al us Thu Wo is pry ay fee(s) or.dage(s) lid you may loan for kommkq cols boa uk and/or ampol g alt Is uq Is or flan any
uncle my* wW renbuament lien us.
ryes wand Is a ddemad of p* nniaw why we bow derided h amwd yam Account Aprmneat, poem vale In us (include your nim,.adb m, and
Amx ad mr W oral m, wft 1D days of the able you malice lliq olice6 at Cad Seicm, RefeesceRtB908, PA Bar 01%Amigten, TX 76096- .
9606;1pFfika.8D 11. A otsr nghifm shadd be deeded b Cad Serve ; PA Boot 660509; gds, 7X,T5 SM You we emtted to the Mrmd
of.>Dm nods wft 30 dqe of yam Tempe d
The Mad 8W Cie t Oppomk* Ad prdddts aedtms Imm dkainkmtmq agalod =4 appicamh on the bass of mace, ahr, mlpW % m*W ufgih, sex,
owlai sue; u ape Om W is applnd hu the openly Is enter khh a Mfr canbadj; boom a9 or pat d in opploonts incemna Is cawed. fmin .
any. patio asmfske.pWo; or gaame the mpicant has in good tallm.mmdmd arty might ahdathef;enheha Dudlt Pala ton Act.The. federal agency
that an kk rant plow wRi tfs bw aacerniq ths cmft k the DAfa of ThM SWavslm,.P.O, Bai Ili. Sm Finawdmce, CA 94126
*-daiam b4ww *Aemmt tww may has been hoed n wmbole or In pit an lnkrna6on abed In anger ben tie e m m rep ft agency
listed blows lei have a dgkt pads the FiF Cra@ Rwft Act h kww tae Homaton son- n yaw mdilflu d fbe rummer rep r" agmiq. The .
. rapping egeey playedfe.l rt n ppr decsbu and ie ushle h mpply spaifa meosas viry we boss 1*mft adka 1613dos. hwra rid i a beercopy d
Mar npsnt lean ths Opu g age" 1 yon meupnest t mm hter.then f9) days after you ?elre ths make, h a ilft fyou fit turf sy Wo nutoo cudanad
n tr sport yae m *0 s.bauawah or ikmiplde, you have tlu do to dspuh lib mater wilco lbe meper" sguky.-Traglhim Ibhsimna RdaOaw,
2 Batdwb Pica; PA Bank Maori, PA 19022; 800.88M% vmTmWWmwwVkxt .
14CBP809
6092 1531 JYQ 1 7 23 080924 P3 2 of 3 C R206D 8000 011186092 164644
I
® WaMu-
P.O. Box 660,133, Oaks, TX 75266-693
[:)ndicate change of address on back
We need to hear from you. Nowt the
time to make a payment. Call 11100.2110.0561
or visit wamucanhelp.mm to team about easy
and convenient payment options.
Payment Minimum Balance as of Account
Due Date Payment 10129/2008 Number
11119!08 5564.00 57,629.64 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue or black ink)
dT.
T ??E-??.??
N
_ 000 Make Checks Payable to Washington Mutual
50012078432611
51760
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 17011-1750
rlr[till rrnLLILrIII ,rIIrrlrlrrlLlLLtoil rrltlnrlllrnl LrrIILr1111rIrIr1111rrILrrlllrrr6LI11LIrrrrILlLLlr1
4031142700910420 0056400 0762464 0081900 23
I DETACH HERE
6092 1502 rt. 1 7 22 061021 PAGE 2 0! 1 MLR204C X000 01"6092 54760
Important Messages
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment listed above along
vith the ovedimit amount immediately. You may also call us at 1-800-280-9441 or visit us at www.wamucanhelp.comfor
Payment options.
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Dally Periodic Corresponding Fhtance Grace
Dally Balance Rate APR Charges Terms
Purchase - Current Cycle $3,096.98 .0794% 28.99%' $71.31 Tenn A
Cash -Current Cycle $4,365.45 .0794%' 28.99%' $100.52 Term B
Efteefte ANNUAL PERCENTAGE RATE (APR): 27.63% 'Thee rates may very.
The Come"riding APR.k the rate of Interest you pay when you tarty s balance on purchases orcash advances. The Effective APR represents
your tolel finance charges - kckKft transaction fees such as cash advance and balance transfer lees - eipressed as a percentage.
For 244mur Automated Account Wormatlon, plsesecall 1-866-992-WAMU(9268) or visit us at www.wamucards.com
Your account Is Issued by Washington mutual Bank, Hehderson, NV.
Account Summery
Stakment Closing Date 10'23108 ce menu $0•00
Credit Line $7,527.00 Cash Advances + $0.00
Avapebk Credit for Cash Advances as of 10/23108 $0.00 NEW BALANCE - $7,629.64
Transactions
Tran Post
Deft Date Description Reference Number Amount
In case you misplaced.your bill, or simply forgot,
a payment is due on this account.
a - Log in at www.wamucanhelp.eom where you can: .
iMake.payrnents online
• Updateyo it contact information
Get current account details and much more -
11Aake a payment online. Log in today.
15CEBa03 '.
M WaMu-
P.O. Box 660133. Dehs• TX 75266-00.13
E)ndicate change of address on back
We need to hear from you. Now's the
6meto make a payment. Call 800.280.9441
or visit wamucanhelp.com to learn about easy
and convenient payment options.
Payment Minimum Balance as of Account
Due Date Payment 1112012008 Number
1zn7ios sa4o.oo s7,a7s.26 4031-1427-0091-0420
AMOUNT ENCLOSED (was blue or blwk Ink)
s 0TIFI?.F-I?
N
000.
Make Checks Payable to Washington Mutual
50012078432611 263749
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O_ BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 17011-1750
16Is LI11111LI11111111111L111L11111LL111L11,1,1,1111111 11111111111111311111111111111 11111AIIIIIIIIIII1111311111111
4031142700910420 0084000 0787626 0081900 23
1 DETACH HERE
6092 1616 J G 1 7 23 081120 F.KGE 1 of 3 MLR204D Ne00 01na6092 263149
Important Messages
"Piesse review and keep the Important Notice of Changes to your Account Agreement at the and of this
statement'*
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment fisted above along
with the overfimk amount immediately. You may also call us at 1-800.280-9441 or visit us at wamucenhelp.com for
payment options.
ANNUAL PERCENTAGE RATE for Purchases: 31.99% or Prime Rate plus 26.99%, whichever Is greater (as of September
2008:31.99% ANNUAL PERCENTAGE RATE; 0.0876% corresponding daily periods rate).
ANNUAL PERCENTAGE RATE for Cash Advances: 31.99% or Prime Rate plus 26.99%, whichever is greater (as of
September 2008: 31.99% ANNUAL PERCENTAGE RATE; 0.0876% corresponding del periodic rate).
Account Summary
StetenleM Cliosim Data 11/20008 Crecft&Palrmenb - $0.00
Credit line 57 .00 Cash Advances + $0.00
Available Credit for Cash Advances as of 11!2408 $0.00 NEW BALANCE $7,87626
Transactions
Tram Post
Date Dots Description Reference Number- Amount
n o== by sm 026 on 1120/08
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Dally Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,246.09 .0781% 2&49%' $70.99 Tenn A.
Cash - Current Cycle $4,464.52 . G781 V 2&49%' 597.63 Tornio
Effective ANNUAL PERCENTAGE RATE' (APR) : 26.24% "These rates may very.
The Dornapoildirlg APR '(s die rate of interest you pay when you tarty a balance on purchases or cash advances. The Efle tIve APR represents
your total finance charges - IndWY1g transaction fees such as cash advance and balance transfer lees- Io prassed as a percentage.
For 24-hour Automated Account Information, please call 1-8116.892-WAM1.11(9268) or visft us at www.wamucarde.com
Your account Is Issued by Washington Mutual Bank; Henderson, NV.
In case you misplaced your bill, or simply forgot,
a: pgyment Is due on this account.
a a Log in at wamucanhelp.com where you can :
Make-pa yments online
• • Update your contact information
e .diet current account details and much more
Make a payment online. Log'in.today:
15CEBB11
IMPORTANT NOTICE OF CHANGES
TO YOUR WASHINGTON MUTUAL VISA°/MASTERCARDO
ACCOUNT AGREEMENT
NOVEMBER 2008
Issuer: Washington Mutual Bank, Henderson, NV
As explained below, we are amending your Visa/MasterCard Account Agreement. These changes
will become effective on January 1, 2009 (the "Effective Date"), unless otherwise indicated below.
The following explains these changes. All other provisions of your Account Agreement remain in
effect. Please read this entire notice carefully and keep it for your records.
Summary of Changes
If not already applicable to your Account, the following term changes will be effective on the first day
of your first billing cycle that starts after the Effective Date:
Annual Percentage Rates (APRs): The ANNUAL PERCENTAGE RATE (APR) for each Balance
Category will be the rate listed in the Important Messages section of this billing statement. These
APRs will apply to your current balances and any future balances. These APRs may vary with
changes in the Prime Rate. The Important Messages section also shows what these APRs and the
corresponding Daily Periodic Rates (DPRs) would be using the Prime Rate in effect for the billing
cycle beginning in September 2008.
Please see the Amendments to section 4 below for a full disclosure regarding changes in your APRs.
If you do not wish to accept the changes to your Account Agreement summarized above, you
must notify us in writing by December 30,2008; include your name, address, and telephone
number and tell us that you wish to close your Account and keep your current terns. Please
notes Any of the terms that are already applicable to your Account will remain in effect if you
choose to opt out and close your Account. Please send your written notice, allowing sufficient
time for us to receive it by the deadline, to: Card Services, Reference RL, P.O. Box 99606,
Arlington, TX 76096-9606.
The following explains in full the changes to your Account Agreement. Some of these changes may
already be apart of your Account Agreement. All other provisions of your Account Agreement
remain in effect.
Amendments to Section 4 Finance Charges ANNUAL PERCENTAGE RATES ("APRs").
Standard APRs. Beginning on the first day of your first billing cycle that starts after January 1,
2009, the Finance Charges section of your Account Agreement is amended so that the APR for
each Balance Category will be the rate listed in the Important Messages section on the billing
statement accompanying this notice. These APRs will apply to your current balances and any future
balances. The Important Messages section also shows what these APRs and the corresponding
Daily Periodic Rates (DPRs) would be using the Prime Rate in effect for the billing cycle beginning
in September 2008.
If you would like a statement of specific reasons why we have decided to amend your Account
Agreement, please write to us (include your name, address, and Account number) or call us, within
60 days of the date you receive this notice, at: Card Services, Reference RL,'P.O. Box 99606,
Arlington, TX 76096-9606; toll-free 800.356.0011. All other inquiries should be directed to Card
Services, P.O. Box 660509, Dallas, TX 75266-0509. You are entitled to the statement of specific .
reasons within 30 days of your request.
The federal Equal Credit Opportunity Act prohibits creditors.from discriminating against credit
applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided- -
the applicant has the capacity to enter Into a binding contract); because all or part of the applicant's
income is derived from any public assistance program; or because the applicant has in good faith
exercised any right underthe Consumer Credit Protection Act. The federal agency that administers
compliance with this law concerning this creditor is the Office of Thrift Supervision,: P.O. Box 7165;
San Francisco, CA 94120.
Ourdecision to.change your Account terms may have been based in whole or.in part on information:
obtained. in a report from the.consumer reporting agency listed below. You havea right under the Fair.
Credit Reporting Act to know the information contained in your credit file at the consumer reporting
agency: The reporting agency played no part in our decision and is unable tosupply specific reasons
why we have taken this action. You also have a right to. a free copy of yourreport from the reporting
agency if you request it no laterthan.60 days after you receive this notice. In addition, if you find that
any information contained in the report you. receive is inaccurate or incomplete,youu have the rightto .:
dispute the'matter with the reporting agency. TransUnion Consumer Relations,.2 Baldvrin Place,:.,
P.O. Box 1000, Chester, PA 19022; 80.0.888.4213; Trans,Unioir.coin/Direct.: .
URBR811
6092 1616 JYO 1 7 23 081120 9AO9 2 of 3 MLR206D 9000 OIABC092 283749
M WaMu•
P.O. Box 660,133, Daks, TX 75266-0633
Dndicats change of address on back
We need to hear from you. NowDthe
time to make a payment. Cap 800.280.9441
or visit wamucanhelp.com to learn about easy
and convenient payment options.
_50012078432611
WASHINGTON MUTUAL CARD SERVICES
P.O. BOX 660487
DALLAS TX 75266-0487
1Iso 6111n1111 1111111111111.11L1111/LLI11L1111,1111L111
Payment Minimum Balance as of Account
Due Date Payment 1212312008 Number
01119/09 51,125.00 58,117.08 4031-1427-0091-0420
AMOUNT ENCLOSED (use blue w black Ink)
s000??.??
N
000
Make Checks Payable to Washington Mutual
4768]
BRENDA ALLANDER
12 WINDSOR WAY
CAMP HILL PA 17011-1750
111111111111111111111111 IIIIIILI/LLI11111111111,IILIn
4031142700910420 0112500 0811708 0081900 23
DETACH HERE
6092 1650 JYG 1 7 23 061223 PAGE 1 a[ 1 CotR204C N000 0VU16092 47683
mportant Messages
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment listed above along
with the ovedimit amount immediately. You may also call us at 1-804280-9441 or visit us at wamucanhelp.com for
payment options
Account Summary
Stelarment Closing Dab 12123108 Cements - $0.00
Credit Line $7,527.00 Cash Advances + $0.00
Avabd* Credit for Cash Advances as of 1201108 $0.00 NEW BALANCE _ $8,117.08
Transactions
Tran Pod
Date Date Description Reference Number Amount
Dec 17 Dee 17 LATE PAYMENT CHARGE 0000 $39.00
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Dally Balance Rafe APR Charges Terms
Purchase - Current Cycle $3,402.56 _0767% 27.99%' $86.12 Tenn A
Cash - Current Cycle $4,571.12 .0767% 27.9996' $115.70 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 30.37% 'Thess rates may vary.
The Corresponding APR Is the reto of interest you pay when you tarty a balance on purchases or cash advances. The Effective APR represents
your total finance charges - including transaction fees such as cash advance and balance transfer fees - expressed as a percentage. . .
For 24-hour Autometed.Account Information, please call 1-866892-WAMU(9268) or visit us at www.wamucwds.com
Your account Is Issued by Washington Mutual Bank, Henderson, NV.
In case you misplaced your bill, or simply forgot,
a payment is due on_this account.
Log in at wamucanhelp.com where you can:
• :Make payments online
• Update your contact information
• Get current account details and much more
Make a payment online. Log in today.
- 1SCEBa11.
M WaMu'
i P.O. Box 660433, Da64s, TX 752864633
Ondicate change of address on back
We need to hear from you. Ncvv1 the
time to make a payment. Call 800.280.9441
or visit wamucanhelp.com to learn about easy
and convenient payment options.
Payment Minimum Balance as of Account
Due Date Payment 0112=009 Number
o2/1(i/09 61,416.00 se,300.7z 4031-1427-0091-0420
AMOUNT FNCLOSED (ues blue or black Ink)
Q;
`f' ?????. LJ?
N
. 000
Make Checks Payable to Washington Mutual
50012078432611
1.05643
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0467 CAMP HILL PA 17011-1750
ntlrlrlnrlnlallnrllnllnnlullnlnlnnllnlnlnnlllnrl lurlllnnllinurtllusllnnilluninlnlrliminllulnlnln,
4031142700910420 0141600 0830072 0081900 23
I DETACH HERE
6092 1659 1Y0 1 l 23 090123 PAGE 1 or 1 MLR204C R000 01AS6092 105642
mportent Messages
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment listed above along
with the overrsnit amount immediately. You may also call us at 1-800-280-9441 or visit us at womucanhelp.comtor
payment options.
Account Summary
Stelsment Closing Delta 01/22!09 Credits S Payments -
Credit LIM $7,527.00 Cash Advances + $0.00
Avdable Cm& for Cash Advances as of 011=M $0.00 NEW BALANCE - $8,300.72
Transactions
bate Descrlptlon Amount
No Acbb This Montt
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Daily Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,524.08 .0746% 27.24%' $78.87 Tenn A
Cash - Current Cycle $4,681.41 -0746% 27.24%' $104.77 Term B
Effective ANNUAL PERCENTAGE RATE (APR) : 26.85% 'These rates'n ey vary.
The Corresponding APR Is dw rata of interest you.pey when you tarry a balance on purchases orcash advances. The EBectlveAPR represents
your total finance charges - Including traneac8on fees such as ash advance ax! balance transfer fees - elrpressed as a percentage.
For 24-hour Automated Account kdormatlon, please call 1-866-892 WAMU(0260) or visit us at www.wamucards eom
Your account is Issued by Washington Mutual Bank, Henderson, NV.
If you misplaced your bill or need additional payment options,
we can help.
$imply tall 800.955.7276 or log in at wamucanhelp.com
where you can:
• Make a payment
• Choose different payment options
Geti current account details
Make a-pappent. Call or log in today.
1SCEB91
M
,
M W Payment Minimum Balance as of Account
U
a Due Date Payment 02123/2009 Number
•
P.O. Box 660433• Dallas, TX 75266-0433
Ondicale change of address on back 03122/09 51,714.00 SB,501.f B 4031-1427-0091-D42D
We need to hear from you. Now3 the AMOUNT ENCLOSED lose blue or black Ink)
time to make a payment. m Call 800.280.9441
to learn about easy
or visit wamuanhelp.co to learn about
W ???R?
01
and convenient payment options. .
N
000 Make Checks Payable to Washington Mutual
50012078432611
dace!
WASHINGTON MUTUAL CARD SERVICES BRENDA ALLANDER
P.O. BOX 660487 12 WINDSOR WAY
DALLAS TX 75266-0487 CAMP HILL PA 17011-1750
II19 46612116Ir1611 11 1111 11111 1111 1111 6n11 1 all irpill irnl 111111111111111111111 111 111 HII [11111611111 11 oil
4031142700910420 0171400 0850118 0081900 23
DETACH HERE
6092 0900 TYG 1 7 23 090223 PN39 1 of 1 MLR204C N000 01"6092 08631
Important Messages
YOUR ACCOUNT IS PAST DUE AND OVER ITS CREDIT LINE. Please pay the minimum payment listed above along
with the overtim0 amount immediately. You may also call us at 1-800-280-9441 or visit us at wamucanhelp.com for
payment options.
Statement Closing Date 02/23109 Credits 6 Payments $0.00
Cram Lire $7,527.00 Cash Advances + $0.00
. AvaYebk Cred$ for Cesh Advances ss of 002;ill>B $0.00 NEW BALANCE $8.501.18
Transactions
bate Description Amount
No Activity This Month
FOR BILLING ERRORS AND IMPORTANT INFORMATION, SEE REVERSE OF PAGE 1.
Balance Category
Average Dally Periodic Corresponding Finance Grace
Daily Balance Rate APR Charges Terms
Purchase - Current Cycle $3,606.51 .0746% 27.249V $86.09 Tenn A
Cash - Current Cycle $4,790.90 .0746% 27.24%' $114.37 Tenn B
Effective ANNUAL PERCENTAGE RATE (APR): 28.64% 'These rates may vary.
The Corresponding APR Is the rate of Interest you pay when you carry a balance on purchases or cash advances. The Effective APR represents
your total finance charges - Including transaction few such as cash advance and balance transfer fees - expressed as e percentage.
For 24-hour Automated Account bdormatlon, please call 14WO-692-WAMU(9268) or visit us at www.wemucards.com
Your account Is Issued by Washington Mutual Bank, Henderson; NV.
If you misplaced.your bill or need additional payment options,
we can help.
Simply call 500.955.7276 or login at wamucanhelp.com
where you ran:
Make a payment
• Choose different payment options
Get cuff rent account details
Make a payment. Call or login today.
' -- 1SCE8901
Payment Due Date . New Balance Past Due Amount Minimum Payment
f' 04M6l09 $8,713.18 $1,714.00 $2,013.00
Account number: 4031 1427 0091 0420
Make your check payable to:
chase Card Sarvtces.
Please write amount ncbsed.
New address or e-maeirt Print on beck.
403114270091042000201300008713180000008
39901 BD(Z 091090 IIIIifilillil lllfl nil ll 111 li lilllllill tll lliil li lfllliil if illi
BRENDA ALLANDER
12 WINDSOR WAY CARDMEMBER SERVICE
CAMP HILL PA 17011-1750 PO BOX 15153
WILMINGTON DE 19886-5153
I: 5000 i60 2131: 0022700910t.2011"
Statement Date:
CHASE O 02/24109 03/22109 Manage your account online:
Minimum Payment, $2,013.00 www chase.comkreditcards
Payment Due Date: 04/16109
Additional contact Information
conveniently located on reverse side
ACCOUNT SUMMARY VISA Account Number: 4031 1427 0091 04
Previous Balance $8,501.18 Total Credit Line $7,527
Purchases, Cash, Debits +$39.00 Available Credit $0
Finance Charges +$173.00 Cash Access Una $7,527
New Balance $8,713.18 Available for Cash so
You haven't made the required payments and your credit card account Is 150 days past due. You can OUR hum things around. Cell
us today at 1-088-792-7547 (collect 1-302-5948200) so that we can find a solution for your situation.
Important Message: Over Credit Limit
Your statement balance exceeds your credit limit You should make a payment that Includes the ovedimit amount and brings the
balance under your limit.
1A000UNT ACTIVITY I
Date of
Transaction Merchant Name or Transaction Description S Amount
03122 LATE FEE 39.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Coresp. Average Daily Due To Fee / Accumulated FINANCE
Category 27 days in cycle APR Balance Periodic Rate Service Charge Fin Charge CHARGES
Purchases V.07463% 2724% $3,688.07 $74-32. 30.00 $0.00 $74.32
Cash advances V .U7463% 2724% $4,897.45 $98.68 $0.00 $0.00 $98.68
Balance transfer V.07463% 2724% $0.00 $0.00 $0.00 $0.00 $0.00
Total finance charges $173.00
EffwUvs Annual Percentage Rats (APR): 27.24%
Please we information About Your Account section for balance computation mathod, grace period, and other Important Information.
The Corresponding APR is the rate of interest you paywhen you carry a balance on arty transaction category.
The Effective APR represents your total finance charges - including transactionfees
such as cash advance and balance transfer tees - expressed as a percentage.
This Statement Is a Facsimile - Not an original
0000001 FIS33338 DO o00 N z 22 0010322 Paps 1 or I O6606 MAMA 39901 09110000060003980101
X
Payment Due Date New Balance Past Due Amount Minimum Payment
05!17/09 $8,956.23 $2,013.00 $2,345.00
r
Account number: 4031 1427 0091 0420
Make your check payable to:
Chess Card Services.
Please write amount enclosed.
New address or e-mail? Print on back.
403114270091042000234500D08956230D00005
3a540 eoc Z 11209 0 11.1111111.11.1.1.111111.111111111111111...11111.111.111111111
BRENDA ALLANDER
12 WINDSOR WAY CARDMEMBER SERVICE
CAMP HILL PA 17011-1750 PO BOX 15153
WILMINGTON DE 19886-5153
11111111.,1111111111111.III..IIL.1LI11.IL111.111.111LLJ1
C 5000 160281: 00 2 2 7009 1104 20 1,11 -
Statement Date:
CHASE O 03123/09 04/22109 ® Manage your account online:
Minimum Payment: $2,345.00 www.chase.com/creditcards
Payment Due Date: 007/09
Additional cents& Information
conveniently located on reverse side
ACCOUNT SUMMARY VISA Account Number. 4031 1427 00910420
Previous Balance $8,713.18 Total Credit Line $7,527
Purchases, Cash, Debits +$39.00 Available Credit $o
Finance Charges +$204.05 Cash Access Line $7,527
New Balance $8,956.23 Available for Cash $0
The outstanding balance on your credit card account Is scheduled to be written off as a bad debt shortly. As a result, your credit
bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at
1-888-792-7547 (collect 1-302-594-8200).
Important Message: Over Credit Limit
Your statement balance exceeds your credit limit You should make a payment that includes the ovedimit amount and brings the
balance under your limit.
ACCOUNT ACT ITY i
Date of
Transaction Merchant Name or Transaction Description 1S Amount
04/16 LATE FEE 39.00
FINANCE CHARGES
Finance Charge Transaction
Daily Periodic Rate Cortesp. Average Daily Due To Fee / Accumulated FINANCE.
Category 31-days In cycle APR Balance Periodic Rate Service Charge Fn Charge CHARGES
Purchases V.07463% 2724% $3,815.58 $88.27 $0.00 $0.00 $8827
Cash advances V.97463% 2724% $5,004.59 $115.78 $0.00 $0.00 $115.78
Balance transfer V.07463% 2724% $0.00 $0.00 $0.00 $0.00 $0.00
Total finance charges $204.05
Effective Annual Percentage. Rate (APR): 2724%
Please see Information About. Your Account section for balance computation method, grace period, and other important Information.
The Corresponding APR is the rate of interest you pay_ when you carry a balance on any transt ction category.
The Effective APR represents your total finance charges - Including transaction fees
such as cash advance and balance transfer fees - expressed as a percentage.
This Statement Is a Facsimile - Not an original
0000001 Fl333398 013 ODD N Z 22 ON04 2 Page 1 of 1 OBW MAMA 38M 11210000130003861001
X
EXIT E
AFFIDAVIT OF CLAIM
STATE OF NEW YORK
) SS
COUNTY OF WESTCHESTER )
RE: Cavalry Portfolio Services, LLC as assignee of Cavalry SPV I, LLC as assignee of Chase / Washington Mutual
vs.
BRENDA ALLANDER
I, Stephanie Cappelli, being duly sworn on oath, depose; and say:
1. I am an agent and duly authorized representative for Plaintiff and am competent to testify to the matters set forth herein.
2. I am acting in the capacity of Legal Administrator for my employer Cavalry Portfolio Services LLC, a Delaware limited liability
company. Cavalry Portfolio Services, LLC performs recovery services for its affiliate, Cavalry SPV I, LLC. In performing recovery
services for Cavalry SPV I, LLC, 1 am familiar with and have access to the books and records of Cavalry SPV I, LLC and of Cavalry
Portfolio Services, LLC.
3. That the defendant, BRENDA ALLANDER, the account holder(s), opened an account with Chase / Washington Mutual on
12/29/1999, which account became delinquent and was charged off on 4/30/2009 (the "Account").
4. As of 9/28/2011, the balance due and owing by the account holder(s) on the account is $12838.57, which balance is comprised of
$8956.23 of principal balance and $3882.34 + $0 + $0 of other charges. The principal balance continues to accrue interest as of the
date hereof at a rate of 18%. The account holder(s) have been credited for all payments, set-offs or other credits due.
5. That the Account was purchased by Cavalry SPV I, LLC on 7/9/2010 and the servicing and collection rights for the account were
assigned by Cavalry SPV I, LLC to Cavalry Portfolio Services, LLC.
6. In the normal course of business, Cavalry Portfolio Services, LLC maintains computerized account records for account holders.
Cavalry Portfolio Services, LLC maintains such records in the ordinary and routine course of business and is charged with the duty to
accurately record any business act, condition or event onto the computer record maintained for the accounts, with the entries made at or
very near the time of any such occurrence. I have reviewed the applicable computer record as it relates to the Account, and I make this
Affidavit based upon information from that review, and if called as a witness, I could testify to the matters set forth herein based on
that review.
7. In connection with the purchase of the account, Chase / Washington Mutual transferred copies of its electronic business records to
Cavalry SPV I, LLC, which records were loaded into the computer system of Cavalry Portfolio Services, LLC and which are maintained
in an electronic format.
8. Upon information and belief, no Defendant is an infant or incompetent or an active member of the United States Armed Forces who
would be entitled to stay relief.
9. Under oath, I am authorized to make this affidavit for Plaintiff and I am informed and believe the above statements are true and
correct.
Douglas M. Mannos Assoc, P.C.
,4096627
Subscribed and sworn
Notary Public, Stat of Ne ork `
LOUIS DARMNAt
Notary Public - State of New York
No. 01DA5057380
Qualified in Roddand County
My Commission Expires March 25, 2014
Request for Military Status
Department of Defense Manpower Data Center
4P Military Status Report
Pursuant to the Service Members Civil Relief Act
Pagel of 2
Sep-28-2011 10:07:22
<: Last First/Middle Begin Date Active Duty Status Active Duty End Date Service
Agenc
Name y
Based on the information you have furnished, the DMDC does not possess
ALLANDER BRENDA any information indicating the individual status.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status of the individual as to all branches
of the Uniformed Services (Army, Navy, Marine Corps, Air Force, NOAH, Public Health, and Coast
Guard).
y6t 4A4-A?&)11_
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§
501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currently on active duty" responses, and has experienced a small error rate. In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly
encouraged to obtain further verification of the person's status by contacting that person's Service via the
"defenselink.mil" URL http://www.defenselink.mil/fU/vis/PC09SLDR.htrnl. If you have evidence the
person is on active duty and you fail to obtain this additional Service verification, punitive provisions of
the SCRA may be invoked against you. See 50 USC App. §521(c).
If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a
middle name), you can submit your request again at this Web site and we will provide a new certificate
for that query.
This response reflects active duty status including date the individual was last on active duty, if it was
within the preceding 367 days. For historical information, please contact the Service SCRA points-of-
contact.
https://www.dmdc.osd.mil/appj/scra/popreport.do 9/28/2011
Request for Military Status Wage 2 of 2
More information on "Active Duty Status"
Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(l) for a
period of more than 30 consecutive days. In the case of a member of the National Guard, includes
service under a call to active service authorized by the President or the Secretary of Defense for a period
of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national
emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR)
members must be assigned against an authorized mobilization position in the unit they support. This
includes Navy TARS, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a
Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health
Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a
period of more than 30 consecutive days.
Coverage Under the SCRA is Broader in Some Cases
Coverage under the SCRA is broader in some cases and includes some categories of persons on active
duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate.
Many times orders are amended to extend the period of active duty, which would extend SCRA
protections. Persons seeking to rely on this website certification should check to make sure the orders on
which SCRA protections are based have not been amended to extend the inclusive dates of service.
Furthermore, some protections of the SCRA may extend to persons who have received orders to report
for active duty or to be inducted, but who have not actually begun active duty or actually reported for
induction. The Last Date on Active Duty entry is important because a number of protections of SCRA
extend beyond the last dates of active duty.
Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights
guaranteed to Service members under the SCRA are protected.
WARNING: This certificate was provided based on a name and SSN provided by the requester.
Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: I PA3G99FK9
https://www.dmde.osd.mil/appj/scra/popreport.do 9/28/2011
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
CAVALRY PORTFOLIO SERVICES, c ~'
LLC, AS ASSIGNEE OF CAVALRY SPV rn~ ~ r~-~
I, LLC, AS ASSIGNEE OF ~~ , [ -~~"
~
CHASE/WASHINGTON MUTUAL, ~~ w o
r~
Plaintiff(s) Docket No.: 11-6321 ~°~.,
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.~;
BRENDA ALLANDER,
Defendant(s) PRELIMINARY OBJECTIONS TO
THIRD AMENDED COMPLAINT
Filed on Behalf of Defendant
Counsel:
The J. Murphy Firm
310 Grant Street, #3309
Pittsburgh, PA. 15219
(412)521-2000
Joseph P. Murphy, Esquire
Pa. Supreme Court I.D. 83120
p j ,.,
C1R~c~ ~,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
CAVALRY PORTFOLIO SERVICES,
LLC, AS ASSIGNEE OF CAVALRY SPV
I, LLC, AS ASSIGNEE OF
CHASE/WASHINGTON MUTUAL,
Plaintiff(s) Docket No.: 11-6321
v.
BRENDA ALLANDER,
Defendant(s)
CERTIFICATE OF SERVICE
I, Joseph P. Murphy, counsel for the Defendant in the
above ca Toned matter, do solemnly swear that the foregoing
LIMINARY OBJECTIONS TO THIRD AMENDED COMPLAINT
BRI YIN SUPPORT OF PRELIMINARY OBJECTIONS TO THIRD
A NDED COMPLAINT
MOTION/REQUEST/PRAECIPIE FOR ARGUMENT
were delivered by First Class, U.S. M.afi>',~Postage Pre-Paid to the Below:
Jorge Pereira
101 N. Cedar Crest Blvd.
Allentown, PA. 18104 ,
Ily S~b~~d,
Josep urphy
We day November 7, 2012
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
CAVALRY PORTFOLIO SERVICES,
LLC, AS ASSIGNEE OF CAVALRY SPV
I, LLC, AS ASSIGNEE OF
CHASE/WASHINGTON MUTUAL,
Plaintiff(s)
Docket No.: 11-6321
v.
BRENDA ALLANDER,
Defendant(s)
PRELIMINARY OB7ECTIONS TO THIRD AMENDED COMPLAINT
Now comes the Defendant, by and through counsel, the J. Murphy
Firm, and Joseph P. Murphy, Esquire and bring(s) and file(s) the within
Preliminary Objections to Third Amended Complaint, averring in support
thereof as follows:
OB7ECTIONS TO CONTRACT CLAIMS
1. The Third Amended Complaint references a credit agreement or
contract.
2. Although the Third Amended Complaint references a credit
agreement or contract, no copy of the agreement or contract is
attached thereto.
3. Plaintiff has attached account statements beginning on November
21, 2007 with a previous balance of $8.630.00.
4. Plaintiff has attached terms dated in July 2008.1
5. Plaintiff alleges that default occurred on August 29' 2008.
6. The foregoing amounts to a violation of PA. R.C.P. §1019(1).
7. Accordingly, the Third Amended Complaint is the proper subject of
preliminary objections pursuant to Pa. R.C.P. §1028(a)(2) for
failure to conform to Rule of Court 1019(1).
OBJECTIONS TO ASSIGNMENT OR DEBT BUYING ARRANGEMENT
8. The Third Amended Complaint references an assignment,
succession of interest, debt buying arrangement, or the like.
9. Plaintiff has attached documents reciting the execution of various
documents transferring this account to Plaintiff, but not copies of
the actual transfer documents.
10. The foregoing amounts to a violation, inter alia, of Pa. R.C.P.
§1019(1).
11. Pursuant to Pa. R.C.P. §1028(a)(2), the Third Amended Complaint
is the proper subject of preliminary objections for failure to comply
with rule 1019(1).
OBJECTIONS TO IMPLIED CONTRACT/QUANTUM MERUIT
12. Plaintiffs Third Amended Complaint pleads implied
contract/quantum meruit but is legally insufficient to sustain an
award of damages under this theory.
' This is the opposite of the fact pattern in the Stucka case where the activity post-dated the terms. In
Stuck, the court reasoned that the prior-dated terms could have still been in effect at the later time of the
account activity. Here the terms could not have been in effect because they didn't exist yet.
13. Accordingly, the Third Amended Complaint is the proper subject of
preliminary objections pursuant to Pa. R.C.P. 1028(a)(4) as it is
legally insufficient
14. Even if Plaintiffs Third Amended Complaint were legally sufficient to
sustain an award of damages, it contains a prayer for relief for an
amount in excess of that recoverable on this theory, i.e the Third
Amended Complaint seeks the exact same amount of damages on a
quasi contractual theory as it does on the contract. Accordingly,
the Third Amended Complaint is the proper subject of preliminary
objections pursuant to Pa.R.C.P. 1028(a)(2) for failure to comply
with the law of implied contract/quantum meruit
OB7ECTIONS DIRECTED TOWARD LACK OF SPECIFICITY
15. These objections arise under Rule 1028(a)(3) and Rule 1019(f)
16. Pa. R.C.P. 1028(a)(3) provides for the filing of preliminary
objections where the complaint is insufficiently specific.
17. Rule 1028(a)(3) is commonly understood to require that the
complaint be sufficiently specific as to allow the Defendant to
formulate an answer, admitting or denying the averments in the
complaint.
18. As set forth in the attached brief, the complaint in this case is not
so sufficiently specific.
19. Pa. R.C.P. 1019 requires, inter alia, that facts be pled and that
items of special damage be pled with specificity.
20. In the context of a credit case, the facts and items of special
damage, which are to be pled, include the dates and amounts of
charges, fees, fines, interest, and the like.
21. In the context of a credit case, the requirements of 1019 are
normally met by attaching copies of an un-interrupted chain of
statements, starting with a zero balance and ending with a
statement showing the amount sought in the complaint.
22. It is respectfully submitted that the neither the Third Amended
Complaint, nor the documents attached thereto, sufficiently or
specifically plead the facts and items of special damage underlying
the case.
23. This renders the Third Amended Complaint the proper subject of
preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2), for
failure to conform to Rule of Court 1019, and the proper subject of
preliminary objections, pursuant to Pa. R.C.P. 1028(a)(3) for
insufficient specificity.
WHEREFORE, Defendant respectfully prays that the Third Amended
Complaint filed by the Plaintiff be dismissed with prejudice, or, in the
alternative that the complaint be stricken, and the Plaintiff be required to
plead oversaccor~vvith the Rules of Court.
RespeS~,~itte
JoseplyP,,?~f~phy
c
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C "~i
3 ^' ~ _,
~m ° ~
PRAECIPE FOR LISTING CASE FOR ARGUMENT ~
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TO THE PROTHONOTARY OF CUMBERLAND COUNTY: {List the within matter for the its 1~
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CAPTION OF CASE ~ ~ ;~,
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Cavalry Portfolio Services, LLC as Assignee of Cavalry SPV 1, as Assignee of Chase/Washington
Mutual
VS.
Brenda Allander
ll-(031
No. .g'" ~'nt ~ Term
1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to
complaint, etc.): preliminary Obiections to 3'~ Amended Complaint
2. Identify all counsel who will argue cases:
/n\ fnr r.l~.i..~iffe•
Jorge Pereira. Esa. 101 N Cedar Crest Blvd Allentown. PA 1 R 104
(Name and Address) 1~~
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(b) for defendants:
Joseph Murnhv 310 Grant St Ste 3309 Pittsburs?h. PA 15219
(Name and Address)
3. I will notify all parties in writing within two days that this case has been listed for
argument.
4.
INSTRUCTIONS;
1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR
{not the Prothonotary} before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. N argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case Is relisted.
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1 ~ ,. ~~,) ~ Attorney for
Date: 1
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF WASHINGTON
MUTUAL,
Plaintiff,
vs.
CIVIL ACTION
CASE NO.: 11-6321
BRENDA A.LLANDER,
Defendant,
ANSWER TO PRELIMINARY OBJECTIONS OF DEFENDANT
TO THIRD AMENDED COMPLAINT
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1. Cavalry's Third Amended Complaint speaks for itself and no answer is
necessary to Defendant's characterization, digest and/or paraphrasing thereof. Should an
answer be required, Cavalry attach to its Third Amended Complaint a copy of the terms and
conditions.
2. Cavalry's Third Amended Complaint speaks for itself and no answer is
necessary to Defendant's characterization, digest and/or paraphrasing thereof. Should an
answer be required, Cavalry attach to its Third Amended Complaint a copy of the terms and
conditions.
3. Cavalry's Third Amended Complaint speaks for itself and no answer is
necessary to Defendant's characterization, digest and/or paraphrasing thereof.
4. Cavalry's Third Amended Complaint speaks for itself and no answer is
necessary to Defendant's characterization, digest and/or paraphrasing thereof.
5. Cavalry's Third Amended Complaint speaks for itself and no answer is
necessary to Defendant's characterization, digest and/or paraphrasing thereof.
6. This paragraph states a legal conclusion to which no answer is necessary. Should
an answer be required, Cavalry denies that its Fourth Amended Complaint fails to conform to
with the requirements of Pa. R.C.P. 1019(1).
7. This paragraph states a legal conclusion to which no answer is necessary.
8. Cavalry's Third Amended Complaint speaks for itself and no answer is
necessary to Defendant's characterization, digest and/or paraphrasing thereof. By way of
further response, Cavalry has attached to its Third Amended Complaint an assignments and bill
of sale of the account.
9. Cavalry's Third Amended Complaint speaks for itself and no answer is
necessary to Defendant's characterization, digest and/or paraphrasing thereof. By way of
further response, Cavalry has attached to its Third Amended Complaint an assignments and bill
of sale of the account.
10. This paragraph states a legal conclusion to which no answer is necessary. Should
an answer be required, Cavalry denies that its Fourth Amended Complaint fails to conform to
with the requirements of Pa. R.C.P. 1019(1).
11. This paragraph states a legal conclusion to which no answer is necessary.
12. This paragraph states a legal conclusion to which no answer is necessary.
13. This paragraph states a legal conclusion to which no answer is necessary.
14. This paragraph states a legal conclusion to which no answer is necessary.
15. This paragraph states a legal conclusion to which no answer is necessary.
16. Admitted.
17. This paragraph states a legal conclusion to which no answer is necessary.
18. Denied. Cavalry denies that its Third Amended Complaint contains insufficient
specificity.
19. Pa. R.C.P. 1019 speaks for itself and no response is necessary to Defendant's
paraphrasing, digest and/or characterization thereof.
20. This paragraph states a legal conclusion to which no answer is necessary.
Should an answer be required, Plaintiff has attached to its Complaint as Exhibits "C" statements
showing interest and other various fees and charges. Additionally, Plaintiff is not required to
prove its case at this time but merely provide sufficient information to place Defendant on notice
of Plaintiff's claims in order to prepare a defense. Plaintiff has provided sufficient information in
its Complaint for Defendant to admit or deny Plaintiff's allegations.
21. This paragraph states a legal conclusion to which no answer is necessary.
22. This paragraph states a legal conclusion to which no answer is necessary. Should
an answer be required, Cavalry denies that its Third Amended Complaint contains insufficient
specificity. By way of further response, A complaint "must apprise the defendant of the nature
and extent of the plaintiff s claim so that the defendant has notice of what the plaintiff intends to
prove at trial and may prepare to meet such proof with his own evidence." Discover Bank v.
Stucka, 2011 PA Super 241, 36 A.3d 1098, 1102 (2011); quoting, Weiss v. Equibank, 313
Pa.Super. 446, 460 A.2d 271, 274-75 (1983). In a claim for breach of contract, the plaintiff must
allege that "there was a contract, the defendant breached it, and plaintiff suffered damages from
the breach." Discover, supra; see also, McShea v. Ciry of Philadelphia, 606 Pa. 88, 995 A.2d
334, 340 (201.0). In Discover, the Court reversed the trial court's decisions and concluded that
the Bank's Amended Complaint and Second Amended Complaint with attachments of boiler
plate terms and conditions and various credit card statements set forth sufficient allegations to
provide the Stuckas with notice of the Bank's claims. Discover at page 1103. The allegations
contained therein, if ultimately proven, would permit recovery. Id; see also; See Hess v. Fox
Rothschild, LLP, 925 A.2d 798, 805-06 (Pa.Super. 2007) (stating that, in ruling on preliminary
objections, the court must determine whether the allegations of the complaint would permit
recovery if ultimately proven).
23. This paragraph states a legal conclusion to which no answer is necessary.
Wherefore, Plaintiff respectfully requests that Defendant's Preliminary Objections to
Plaintiff s Third Amended Complaint be overruled and that Defendant be directed to file an
Answer to Plaintiff's Third Amended Complaint.
DOUGLAS M. MARINOS ASSOCIATES, P.C.
.----
__----.'
By: -,~---..
Jorg .Per ira, Esquire
Atty I.D. #7 42, Attorney for Plaintiff
-101 .Cedar Crest Boulevard
;' A entown, A 18104
1 10) 43 814
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON CIVIL ACTION
MUTUAL,
Plaintiff CASE NO.: 11-6321 Civil Term
vs.
BRENDA ALLANDER,
Defendant
CERTIFICATE OF SERVICE
I, JORGE M. PEREIRA, ESQUIRE, do hereby certify that on November 21, 2012, I
served a true and correct copy of the Answer to Preliminary Objections of Defendant To Third
Amended Complaint on the persons set forth below by first class mail, which service satisfies the
requirements of the Pennsylvania Rules of Civil Procedure and local rules, at the address noted
below:
Joe Murphy, Esquire
The J. Murphy Firm
210 Grant Street, Suite 301
Pittsburgh, PA 15219
MARINO & ASSOCIATES, P.C.
Jo e 7". Pe eira, Esquire
A y. .D. # 5242
tt ey r Plaintiff
N. edar Crest Boulevard
llentown, PA 18104
(610) 434-2814
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON
MUTUAL, : CIVIL ACTION
Plaintiff : CASE NO.: 11-6321 Civil Term
VS.
i
rn
BRENDA ALLANDER,
Defendant -- � �
PRAECIPE FOR JUDGMENT
TO: CLERK OF COURTS - CIVIL DIVISION:
Enter Judgment against above-named defendant, Brenda Allander, for failing to file an
answer.
Prothonotary to assess damages as follows:
Debt $12,529.39
Costs TO BE ADDED
Interest @ 18% from 08/04/11 2,901.82
Attorney's Fees 2,411.36
Total Amount $17,842.57
Pursuant to Pa.R.C.P.237.1,I hereby certify that notice of intention to file this Praecipe was
mailed to the above-named Defendant on January 30,2013 and a copy of same is attached herewith.
Allentown, Pennsylvania: August 11, 2010
DOUGLAS M. MARINOS &
ASSOCIATES, P.0
t
By:
Jorg vedrar eira, Esquire
Atty5242
Atto Plaintiff
101 Crest Boulevard
Allentown, PA 18104 *t&'.50 PQ AT'
(610)434-2814 e t_iam
&aQ3a01
l�W I(.la►k
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON
MUTUAL, : CIVIL ACTION
Plaintiff : CASE NO.: 11-6321 Civil Term
vs.
BRENDA ALLANDER,
Defendant
TEN DAY NOTICE
TO: Brenda Allander
c/o Joe Murphy,Esquire
The J. Murphy Firm
210 Grant Street, Suite 301
Pittsburgh,PA 15219
DATE OF NOTICE: January 30, 2013
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF
THIS NOTICE,A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU
SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE,GO TO OR TELEPHONE THE FOLLOWING OFFICE
TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
4th FLOOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717)240-6200
THF,LAW OF INESS,P.C.
By911entown,ereira, Esquire
75242
r Plaintiff
. ar Crest Boulevard,
PA 18104
(610)434-2814
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV I, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON
MUTUAL, : CIVIL ACTION
Plaintiff : CASE NO.: 11-6321 Civil Term
VS.
BRENDA ALLANDER,
Defendant
TEN DAY NOTICE
TO: Brenda Allander
12 Windsor Way
Camp Hill, PA 17011-1750
DATE OF NOTICE: January 30, 2013
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF
THIS NOTICE,A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU
SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE,GO TO OR TELEPHONE THE FOLLOWING OFFICE
TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
COURT ADMINISTRATOR
4th FLOOR
CUMBERLAND COUNTY COURTHOUSE
CARLISLE, PA 17013
(717) 240-6200
THE LAW Or4- SS, P.C.
By: /1-,\ k __
f. Pereira, Esquire
. #75242
y for Plaintiff Cedar Crest Boulevard
Allentown, PA 18104
(610)434-2814
COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CAVALRY PORTFOLIO SERVICES, LLC,
AS ASSIGNEE OF CAVALRY SPV 1, LLC,
AS ASSIGNEE OF CHASE/WASHINGTON
MUTUAL, : CIVIL ACTION
Plaintiff : CASE NO.: 11-6321 Civil Term
vs.
BRENDA ALLANDER,
Defendant
( X ) Notice is hereby given that a Judgment in the above-captioned matter has been
entered against you in the amount of$17,842.57 plus interest at the rate of 6%per annum from
and after May 22, 2013 on 71/1,111-3
( X ) A copy of all documents filed with the Prothonotary in support of the within
judgment is/are enclosed.
P otary ,
by:
If you have any questions regarding this Notice,please contact the filing party:
Jorge M. Pereira, Esquire
Attorney I.D. # 75242
101 N. Cedar Crest Boulevard
Allentown,PA 18104
(610)434-0504
(This Notice is given in accordance with P.R.C.P. 236)