HomeMy WebLinkAbout01-3330VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P.C.
25 East State Street
P.O. Box 1779
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
CUMBERLAND COUNTY COURT OF CO~ON PLEAS
PROVIDIAN NATIONAL BANK
Plaintiff
VS.
DEBORAH A PUSKAR
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 and Notice are
served, by entering a written appearance personally or by an
attorney and filing in writing with the Court your defenses or
objections to the claims set forth against you. You are warned
that if you fail to do so, the case may proceed without you and a
judgment may be entered against you by the Court without further
notice for any money claimed in the Complaint or for other claims
or relief requested by the Plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO, OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717)249-3166
(800) 990-9108
THIS IS AN ATTEM~T TO COLLECT A DEBT. ANY INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
VALERIE ROSENBLUTH PARK
ATTORNEY I.D. # 72094
PARK LAW ASSOCIATES, P.C.
25 EAST STATE STPdEET, P.O. BOX 1779
DOYLESTOWN, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
ACT# :4428670260003922
~u~BEI~LAITD COURTY COURT OF COMMON PLEAS
PROVIDIAN NATIONAL BANK
295 MAIN STREET
TILTON, NH 03276
PLAINTIFF
VS
DEBORAH A PUSEAR
3010 DICKINSON AVE
CAMP HILL, PA 17011-5228
DEFamer NO. vi- $$30
CIVIL ~CTION
1. The Plaintiff, PROVIDIAN NATIONAL BANK, is a national banking
association organized and existing under and by virtue of the laws
of the United States of America. Plaintiff solicits and maintains
consumer credit accounts in Pennsylvania and is the owner of this
account, which is the subject matter of this action.
2. The Defendant, DEBORAH A PUSKAR, has a mailing address at 3010
DICKINSON AVE, CAMP HILL, PA 17011-5228,
3. The Defendant is indebted to Plaintiff on the credit account
by virtue of charges or cash advances incurred by the Defendant or
authorized by the Defendant on a credit card or line of credit
owned by the Plaintiff bearing account number 4428670260003922.
THIS IS AN ATT~PT TO COLLECT A DEBT. ANY INFOI~MATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
4. The Defendant requested an account, account number
4428670260003922, which is owned by the Plaintiff, and an Account
Agreement was sent to the Defendant. A copy of the Agreement is
attached hereto as Exhibit "A" and made a part hereof.
5. The Defendant has failed to pay the amount owed in accordance
with the Account Agreement and has failed to pay the outstanding
debt as agreed.
6. The Defendant is indebted to the Plaintiff in the amount of
$25,634.54 as of , plus pre-judgment contractual interest at the
rate of 21.99% per annum, less payments made.
7. In accordance with the documentation attached as Exhibit "A,"
Plaintiff is entitled to reasonable attorney's fees, and Plaintiff
will incur attorney's fees in the amount of $4,357.00.
WHEREFORE, Plaintiff demands that judgment be rendered in
favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the
Defendant in the amount of $25,634.54, plus pre-judgment interest
at the contractual rate of 21.99% per annum from until the date
of the judgment herein, plus reasonable attorney's fees in the
amount of $4,357.00, less payments made, plus costs and any other
such relief as this Court deems reasonable and just.
COUNT I- ALTERNATIVE
8. Plaintiff hereby incorporates paragraphs 1 through 7 above as
though set forth in full.
9. The Defendant received a monetary benefit, which was in fact
appreciated by the Defendant.
10. The Defendant accepted the benefits.
11. By virtue of the circumstances surrounding the request for
funds made, the Defendant knowingly requested the funds at issue
THIS IS AN ATTEMPT TO COLLECT A DEBT. A~Y INFORMATION OBTAINED
WILL BE USED FOR THAT PURPOSE.
and/or knowingly and voluntarily accepted the benefits bestowed.
12. It would be inequitable for this Court to allow the Defendant
to retain the benefits of the funds or to be unjustly enriched at
the expense of the Plaintiff or allow the Defendant to retain the
value of the funds at issue without repaying the Plaintiff the
value of same.
WHEREFORE, Plaintiff demands that judgment be rendered in
favor of the Plaintiff, PROVIDIAN NATIONAL BANK, and against the
Defendant in the amount of $25,634.54, plus pre-judgment interest
at the contractual rate of 21.99% per annum from until the date
of the judgment herein, plus reasonable attorney's fees in the
amount of $4,357.00, less payments made, plus costs and any other
such relief as this Court deems reasonable and just.
PARK LAW ASSOCIATES, P.C.
VALERIE ROSENBLUTH PARK, ESQUIRE
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, IT IS REQUIRED
THAT WE STATE THE FOLLOWING TO YOU: THIS IS AN ATTEMPT TO COLLECT
A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE
ORDER FOR SERVICE
THIS IS AN ATTEMPT TO COLLECT A DEBT. ~ INFORMATION OBTAINED
WILL BE USED FOR THAT PUP~POSE.
~P.IFI~ATION
I, DELORES CHARLES , declare that= I am
a Designated Agent of PROVIDIAN NATIONAL BANK, the Plaintiff in
this action, and I am duly authorized to make this verification
on its behalf. I have read the foregoing complaint and know the
contents thereof; that the same is true of my own knowledge,
except as to those matters stated on information and belief and,
as to those matters, I believe them to be true. I understand
that false statements herein are made subject to the penalties
of 18 Pa.C.S. Section 4904 relating to unsworn falsification to
authorities.
I declare under penalty of perjury that the foregoing are
true and correct.
Executed at Alameda County, in the State of California.
Date Designated Agent
PROVIDIAN'
EXHIBIT
Providian National Bank VIS.~ or MastsrCard~
Account Agreement for Deborah A Puskar
Fedmary 14, 2001
~laasSe review th. is docurnant and kas~ it ~t.h your ,o,,the~m .pprtsn~all<rs. Thinsu~comuanl[e/~=ras~a ns~t c~ts~i,~ the t~re~l,~A~orh al~o~s~r[iPca~d}gN.~aO~ll
nk VISA or MasterCard Account~s~the Account ). ~ne Accou~_~_a!_?~ ...~_u aows.. . pur~ Wu~~l.l.l.l.l.l.l.l.l.~a.r.~.~a~,a~s?~,~n t.~c?,j~m~
wherover t s honored and to set advances from. us of. any u.u. su,'l.,a~u=~tl.ng..ti.na.nc~al ,nstitytLon aL~_ .W, ,,-.~,--=- ,=.,~, -,~,-lu~,--.,.,~,,,- .anca
checks.may also be. Rrovida~l' '[.o,~u, ~ an, ,a.d~fi,=!a__l~ay,to use _me .tf......~c. ou.n.~...in m.~ p, gree.m, ant, ~ ann ~o. uF, mean ~ pa .r.r.r.r.r.r.r.r.r~?. ~_or_.wrt~m~_ ,~co~
spanks, a c'r~cit cam t,,ccoum, we,_ qur, .au .r.r.m, anq..us' ...r?~an. t'ro~c~an Na~n~.uanK or. ~t~ aas~gnoas, a_s ,_s_.._~, on your mJ,,_qg s~.e~-:~@_t.,~__ne_ ........
may ..be..used only. for pe.r[,o~l, fam~y~r}ou, s_e_ nom,_a_~ ,c,~ n_ _m~ .e..~_- _q:ff:ff~s_ _,_a,~ _n~...~ .mr any auanass or commeraa purpose. ~ use ur mis ~oum
conslllure acg~/Bnca ct ~le '[orrca al Ull5 P. gre~lll~llL Tuu anu w~ ugru~ aa
P .ayn~el~.....Y.o_u wlJL recaj~ a. mo.n..t[nly s. ts .tq~.an.t s~h~nn~forY~a[ ~as~eding ~le~lr~tiePaas ~yl~mt~on~is ~r sAc~u~ts~ntro~J~:l in U.eSfit~d~llar~ ih~n ~
as~e at a u..~. ompa o~ me Dan~ me cnsoK ~S }. Dy .
a~ httisrcnecsswe~seueto.vou may notas usepm nasa. payments on your~"cc~, n.t or.~o ma~l~/psms o~, . andmY~ incl____ amount
affiliatas. The ~. . t due w,ll be: 2% of the n ances on rsiatsm.e, nt ~us~nea ou an , . ay . .
case the onvmant ...due ~, ce me amou.nt otme new catsncai[..n your ncDaunt ~s pas[ sue or..a~..~.., me c.roq, t ,no,.~,~. may reqgro a. n~gner .m..inLm...urn
payv~, ~,'b. ul. ~e will no '.tity .ypu .b~..ore doing se: If your ~ ~s mom than the paymant, d[~., it .~,[I ~,,.~_tea a.s a, sLnjl~e ~n~a _nonq. D it~ ,W,~
ial~li.~..to mture cavments sue. we may. a ..~. t late or paroa~ payments, or payments man(es -pas ~n ~u, or mar~so ~n olner rasmc,ons, ~mou[ ~as~ng
our fight to collect ell amounts owi~ unonr this Agreement.
~nean.c.e Cha, rg.es,. Excapt. as d~c..n.' .t~cl,in the Gm. ca P.~fiod f~..L~. ~i]a .se Bel~ncs ,secti,.on of this Ag .r~ment~..fl .n~cs [~arg~_. ~_t:~j~ _to._a,~e ~_,a_ dabit
n k is in=uses in one ur .y~r Dai,y Da~ancas anq...c~non..ue u. nm metpa,anca ~s. maucaa oy a paymem or. cree..~. 'tour ~,c~um ~ mellowing Da~apcm;
The Purchase Balance. which co~,.,a~[s.of your e.:~sttng ~.rc.nsee u.a!anc~,a~ new.pu.rcna~.s you m.a~e ~.m your.ua~a ~nq, ~ass.mr c. eraa~n
serwcas; one or mom uDatom Cass ~..ovanca Uslanca~, wnlcn consts,ls, or D818..n¢~ ~a! you frans/8' ~q your R, CSe,urE ,l~lllg, D~lanc8 irBil~..8i' .C[18CKS .ann
belancse that ~,m transfer ~or you; asa me uaso ~avanca Balance whch conasts of all bther c~h aov`a, nc~. asa cass_ .aqvanca .l~..n..as~.on t.e~ nny.
Ilayme.nt ssi.gust ~_recai .~. ~at exceeds me ~nsno.a..cnarge.s. a~ ~as th~f'~ .d. ue will..ordina.rily..l~ aPg. Led .'liLst to the ,aanDa .~.p mp io~ast ~n.ua
I~ .epan~g~ y,~to (AP~, u01il that Balance is zam,.ajDam~..n [q..me .~p~a..nce ~D me new ~owast ~, unto tnat ~lanca ,s zaro, ano men to any remaining
ua~ance, we mse~e me right to apply payments cmaren,y ~meu[ mrmer mace.
Purche., Custom Cash and .ela ar. red.= pa .ts as
Purchases are ncluded n your Purchase Balance as of the date made. Custom Daen aetancas are ~! .uqsajn your uus[oq] ., f · date
fsi ows: funds ele_ct, ronicallv tmnsm tted to o.the, r Ip. ndars to_ ~n.sfpr bala[F~s., as of.t~ date Im. nsn]itted cn. ec'ks ..tp tra..nstor .Da. la ...n!~s.., as a~:lm~ h
[~antsd t~us. Othercad'~ advances are inc~uaan m your uasn aavpnce u~JF~.e as touows: ~,7!;Ivapcas ~ .o~ne(. t~-, ~nse ..muons asa ~ mug
Automated Tellers, as of Ihs date marls; cash advance checks maas Davedle to you tllat are idantified as ca..sh. ,e~'s. c..hecks .a~ mailed to ryo~u~athaYO~r
r~quest, _as o.f .cayen days _a[ter.th~ ~ats we~nt on the .d0.eck; .all ~ ~hq~ks, as o.f the date pre~nt,~ to us._u~.er ass!ts .am ~n,,c~u~e~!n your _~ ,x-_-__u
CuStom uasn A~/anca or uasn ,,N:lvanDa ualanCl~ as o~ ma cats Dca[e~l..l*j.n. anca cnaKlas are. a~ ~o your I"ur~nase. ~;ustonl.~asp P, avanca..a, na
Advance Balances each day and are then posted on the last da~ of the bdhng cycle. 'l'hem ~s no grace panon tar custom cass aovancas or omar cash
advances.
To finum the daily finance chares for each ~ of I~!..lanDa: .~ st~t.with ygpr I~revious da~.s .Ba[ttnca., add all.debits.end .s~b.lract aJl,.crgdits .fpr.l~he cu~rrg,~
day End mulliDIv O~e net amoon[ bv the ,==bllcaD~e daily .l:~on. 'stsc ra[e {.ass tg~ow~ng paras..mpns). ~ nennanca c .r3q/ge Tor ea. cn typa OT.~anca ~ m..an...a ...~.
to~.~ inol.u..d~:r jn th`at ~y's. Balahca= ~s .l~at a c..r~clit baJ-a.n .ca mr fo~r, asy ~l[v'2~in'W~ ~n~ine.~e tnO~ll~t~ca ~asc~ ~asts. nanC~a~l~usmtn~l~l~,~
~lie.~ls dally I~ed~¢ mt~ f6r Suoh a Imnse~on ~11 be tbe mt, in a~ent for lbe oummt blll~ ~ls mmv' men me rots ~n ~ect on th~ dat~ of the
~.i.n. me oilling .cycle and the panodic ra~ ~o ~O~.ln s. UD~O~IIS~. aOa ~ `aqcl ~ SUD. rotals togalllor Io aeron~nayour ~olal tlnanca cnargas on Da anc.~s
~ bdl~ng cycle. If a cash advanca transection tee ~s onargea, met amoum ~s a~so a t~nanoe on~rge.
The term '~ .m.e R~. to" as used in tJ~e. Agree. e0.t rrna. ns .ttte_highe.st m _ma.rote..pjAl..ish~l.. in. the ..Wa//.Stre..et J~mat off...,.l~e first ,busi ~n~se day of ~
palanDar mon~l. ,'N'ly. increase or ascrDase i~1 ~a/~nnual i-'ercefltsgs Na~e Will tsKa e~ec~ on me TlrSt (lay o1' your DIIIIng CyCla ana may msul[ in a
irlorasse or decrease in the amount of your m~n~mum payment.
The ANNUAL PERCENTAGE RATE (APR) for purchases is 7.9%, co~asponcing to a daily padcxic rats of 0.02164%.
You can ananas to have a vaflable APR for qustom cash ..advancas_that i~ Io~t,~f than. the weklhted average of ~ .npn-intro~..uofo~y AP~. you have I:~
~ying on..~e.'lq.~ ~la.n~s ~.u b~t~ transx-aFqd f .rqm oma' ~ .r~dt.c~, re~l, ana j.catollnfe~t elccounts pn;Mcaq your omg~naCCo~m~ leWen~em.Ol~Ohlsn
~...ej~.~a. ~y - ..z~u. ~. ,n .Da!cumfing II!.i.s tu-,.wp .WJll .ts~e in. to .aqonon.! me Ai-'t,~. on ~ G,.mon..as~ount ~lts. nc~. you ~ ~ano~st~ealn~ w~ ~'~s.na~oo. new
is. vailaslqo lyrryou ~ . ,ifll~le.lo.~..ol'cop 91'. r . [reDantDiiii.sts~aslorlts~en yourcalernorl-i .
A~ .1~ be vacates, t ~l:~aPon l~n~ an~ .1, ts,~.~ ,fl~ br~[~g .cycle f~l~...~'na our ..r~. ~:°~g~u~fA~in~,~m~ ~oO~'us~r
cou.rtasy padod. If we do no, t ...m~i. 'va ..su~. p. rcot .y~...r..n~ t,or ~_sto~l_..~. ~:as. ~.11 ~ .as .t.gJ~:
c.~ -aavanDas rosy va~ asa wil I~e ac[u~tsd eec_R..bi.l~! .ng. cy~e Ip ~.~.G'~.~pve ~-'nme ~m.~, @ut w~ ~ no ~ ~ le~.,s~m.a~ ~.~,~,~z"~. using mis ~om~u~a, me
~ ror custom ~ aSvancas ~n the Fed~ary 2001 m,~ng c~e s t =.ut"~, corre~ng to a aa~y psoo~s ra[e o~ u.us~z~.~.
The ANNUAL PERCENTAGE RATE for cash ad~ancas is 21.99%, cormsponcing to a daily pedodc rats of 0.06025%.
If ~ recei~ ~u[..Ag~. unt I:~ late 2 qr ..rnore [imps in. any. [~[h.l~od, .~ each s~h o.~urr~ca ~ rn~ incrasca~the ~P_R ~u~:~an~ces~ _totoa
m~m.m o~ ~.~.~A¢ [o a . i ri.omc mm a increase.me ~'~ Daan aavancas ar= custom ~ aDyi
maxtmum .of :~43!30% (l.~.~ng~gto. a. [laja~lY~o~,.c. mts ~f ~O~.~lf a~.eCr you _ro~anm. the ~j~.r m.t~ your payments.am rece,ved.on lime.,,a you
mas~ all omar terms 6f this ~memenl for .~ conseou,ve monroe, you may contac[ our uustornor ~an~ca __,~'~e~_rm'~ni asa, a[ your requast, ~e
your Account for a possible APR recluclion.
f~rase perio.d for Purg.has9 Balan,..N .e~v purch, pcas pc~.tod to your.~qcc~u, r!t ir) .billing .cycJ.~ win po L~evtoq..q belenca, or wher~ ~tt~ee~on~lewance was
Ilypad d.~ng the cycm, oo not bpgjn to Lncur p.n~nca charge upm tpp s~n o~me next r~tpg cyote~.~'ou wu~.pay no ~t~n~ on..a~ ................ ur
pq. rcnases ff you pay .c.np tot`al new mpanpa tn .m., ny .~e payment oue .date sh .o~...op. ~qr stat.ement.~ New ~rcnases pca[r= tn any omer ot,~ng uyc;~u
a finance charge, a~d there ~s no panod tn whtch SUCh purcnasas may ~e repaa turnout tncumng a nnance onarge.
Fees. We may charge your Account $0 for: each Card you ask us to replace; each returned payment; each check you write on your Account fiat we return
(Co~nued on reverse) (5846-0698) 4428670260003922 1531 595 TSO~..
w~mln wnlcn your balance exceeas your great ,ne (ovq. n~mlt ~.), ~ ~.your.~_cgunt m.aoaep.. ~ yo ..requ o1~. ~. g ~ "'~---tic
sent to Wu mom then thre~ .months earlier, we may c~rga a nana,ag.~.ae o[. ~z mr .eec~ suc.nj?)gX.. ~T yoq. requaet, a~_ .v,'q m.aca
pey~...en!:rrom.your po[so., nal.onecK~ng a~count we .may.on. argo your croat opm..account a t.eq. o~ ~,.~or aeon.re, quest, lets tee is a r~r,u,,M~,- ~;n~'~ ,
an[:l It ~a apply regard ess o~ whether funds am CycliC)la in your personal cnecmng acouum m mane me payment.
fiWe ~. cheme a trans~. ~.fae qf 3.% (minimum $5), wi).ich i{~ .a. on .e:l~.rn.e RNA..NCE CH. AI~..E, on the .a .~. un.t of each. cash a~ance, inclucing cash from
acacia1 instJfutions, ano A i Ms, wire cancers, money amers, ~om~y ,=ets, cameo gaming crops, aaa s~m,ar uanaec~ons.
DefaulL YOU will be in default: if any Jnfo~.. ~on ~J orovJd~l..us ~ tp be jet ..o..mp,late.or u.nliue; .[f..yoq dc. nq, t, comply ,wi~. any pa[~ of th. is'iAevge inmeme~
.u .~..n your death, benk. n.l)tcy, or ~n.sorvoncy; if...ypu ..ac nbt pay o.,m.er .aae~ wne.n ~e; ~ a oB. ri. K .nJp. tcy. peTJaon is TII..~I~ I~ ,er~aganF yo~_;~o[ ~T_?~... ael ___,ga°a
faith that .ypu mw not pay er i:xJno~m yq, ur onl~ga~lons u. nge. r m.~s .-41re~. rnon[..? youpm m amount we. nay, v~me~ t turin,er ~aeman~an~r_,r~.~ce, [{far~t y~
credit pn:wleges.., declare youj' Accou. n,t ,l~,,alan~ ~m.meaatey. c~,Je a.no. pey.a~. ~e.,. qnq u.ca a.ny ..mm~y we m.,ay nave. L.n me, ~eve. ],~ _~ your. ,,
outstana.ng ..~aianna on your Account snail CnoTJnne (0 accnJe intel'es! a~ ~na AP'i'd[S) alsacaea ii1 Ela finance L;nargas sec~on OT mis P, graemen[, even ii we
have filed suit to collect the amount you owe.
Cr~l..It Uno..Y. our credt lipa is specifi.ed from time to Ii ,.me. ,.in a. sspq. rate. nplJne...Your m .on. thly s.ta. tements show your ..c~:it li~ aynd~vaa~a~tcofr~t isr
ava,able omcli_t,. We .may mcraeae or aec.r~., ae yaT. r omqt ,no ~sep. on ~oqn. ~on. we on.re, mae Tro.m you o~., yqu. r c~ ~rpq. t ~. s'-~' If u send us a
.norma ly the .c.llt~req. ca b,~twee .n..y..ou. r credit ILnfi. ano yo.u.r .,'~:oum oaa.nca Ijnqu..ang. [ra0ss¢,g~s mace or a~u .m. opzea W~ not Yet ,po_,_sLeeT:_ >Xo_ ,__,
tsrga i)avment check we may ~imit .ygur availaele cre~t wn~e we confirm ..mat mil,. c. nac~ .wt.# clear, ro.r carmm .trencacao.,ns.,,ava~Je croat may De ~aes.
YOU Will 'not uae your N:coun[ for, a~l we may refuse to honor, any transaction wMon WOU a cause you m excaea your ava,axe croat.
Pmmls. e to Pay. You p.romi.es..to peyus ..wt~en due.all, arneun.~ bon'O~L,~l wl~en Wu. or. ..sqmeone.elca u.ca your .Acg,.ount, (.even. i,f. th.e ~am. ount chan~,
exceeca .ypur permissionl a, o..~er tra .rtcacaons cna c...~rges m your ~,¢cg.un[, ano c{x. Lecaon c~s .we ~n. cu.r ~nc~ualng, out not ~mnea [o, raesonacle
attorney's fees and court costs. (If you w~n the su~t, we w pay your raesonae e attorney's roes ana court costs.)
Chon es. we ' a.ny ti~ ired law, we .rgey cia any ~ this. raernont and a..dd er mrnove im nts. If ci3.ang is
of the c~.nge. C..hen. gss w~ll apply to balanca~ that me,uae ~ems posma to your Acooum ~e~ore ~na ace or me cnenge, cna ~, apl~y wnetner er not you
continue to uae ~ A(~ourlt.
Foreign Exohange/Curren¢~ C..9nve~l.oe. If you u .ca your. Car.d f .or tran....%s~.,. 'tJgna Jn .a ourre~'y other., thal~ U,S., doll. ars, I~. tre.n, ca .orions ~!1 bq converted t9
U.S. ~oll.a.ns, generally using eJmff, a (i) . .gc~ve~n.ment.-ma..nae.ma ~e ~ {,) w .n~. e~.!e ..m.a. me! ram m .ep.~ me aw ~ore. me ~.ncaoano m procea~.,
.n~'eassq ny Lnree pemen, t (3 .%).. I! a a.~t is.s .ut~queqay. gwg..n ~.or a ~n~..son, ~t ~ pe aee~rcaspa, gy me came. perca..mg~e~. ~ne ~r~3cy ~...n~e~ .m,~o..n
~a~.ssa on me converaon acm may aner tram tne ram In oneo~ on me am~ you uesa your ~;ara. You .agree [o accapc me convertea amoum n u.o.
~e Ca~; Caneell~o.n. You m..ey cancel your. predit~vil~les at aw. tirade b~ n.9.~fying us in w~. '~ ng ..ond.dssl~royJng the..Ca~.s). Upqn the .(~ard q~ at
the end o~ the month Shown on t, we reseve me ,~t na~ Lo ~ me ~arg.. we .may canc. eLine ~am. aaa your .crew.. t ~,,egq. l~ a~c~na~uaem~ ~s~ aays.
notJca to you or withou.t n. otJc9 if pe~jt[ed..by law..l.f y~. r ~ara ~s can~ .or not ren.e,'~a..., ~ma~ c~ .rg~..ana q~n~ e.es. ~ ...... .wea,
peymont~ wi can~nue ~o ne aue, cna a, o~ner applJca~e p.rovip~ons o~ tm.S.~l .re,men! wi, re. ma. ri. Ln ~e~. ~ you texan, me. your .crea~t pnv, eg.es, or n we
cancal or do not renew the Card, you mey no Iongar write cnecss on your A~coun[, aec you snau~a aae~roy any unucaa cneo~s we nave msuea to YOu.
Pem. onal Inform. atica; Doeumaets. You will prov~...ds us ~! least 10...deys.ngtJne J.f y.(XJ..thence yqu. r name, ho.m. e or..m.a!lJng, a..~.s, tele~ghoqe, num..bets,
.emp~o.~nont or ~ncome. Upon .our req~. est, yoU.~n, pm~ us aaq. t~opa nr.r.r.r.r.r.r.r.r.~naa.~ m!orrnaa.on, we. mca..n~e tne..qgn[ ~o apm~n.~mo~paon ..~om o..[ners,
i .n~..uq. ng qredit mpordng agencl.ae, aaa .t9 pro~.jae ~r ..agomss a~. ~ .n~m~aaon..a. po.m yo.u.r ,,¢~...um ~o~..m~m...w.e rna~ a .so. ~,,,re ~
..a~.,ates. However you.maywmetousatanyame~ns~'ucangusnoLmmae, creg. t[~o~..~on~m..ouram.[~ams. ~] .ypuouno~]um, youraalga[~onsunaer
th~s Agreement, a negative crecit report that may retlect on your croat may ae su~m ttea to me croat repomng agenaes
Cuatomer Sen~ee; Unauthorized Uae, Leae. er T#elt ?,f, ¢#.e~._a.or the.¢a~. Each Card mcat.~ ..sign..ed .ap. repeipt~ You .are. reN3nosibl, e for
.u ina Ca. rd, your ..rsonal Idsna se on N_u PIN .. n,ch Ixc m to 'er I.
~onl ~e~, cna Keepl .y~r ~'iN s~:~rate from yog. r L;ara. i1' yo~. alSCover or su.spe¢~ Ina~ ~ ....
there .m~t. be an unaun~.ed trans~,gtion .on your Accqunt, y~ ~ill pro .mptly .m. lify ~ by ~. 1 .~:~').;9~.~.l.nYS~ ~.e can ,m. med. ia. rely act to li.~[~ losses
iand li~h!.l]ty., y~u will phone us even mouga you .may also noa~J us m.wnang.. You ~1 not ne ,~e for une...umqrk~e~ uca ..o~, umng ~,, or~. you n_ pp~y_ u.s_ o~ a
~o~ or ..~e~ ~r. you h~ort or we~su.sp.ep.., t una_utY~,'.z~, u. es o! your ~c~...m, we .,may.su.spenq..y~ur .c~. t prM~ages un.a~ we..msave tne p.ro~em [o ~ur
ca~sfac~o.n or ~ssue YOu a new uar~. ~ yotJr ~am.!s IO~ or sto~e.n, ~ ~1, prompoy aes~my a, cnecss ~n your poscasaon. ~o ~mprove customer can~]ce
and sscunty, you agree that your calls may na mon~tora3 or recoma3.
(~,aerChant P, el~e.ne. We will not I~. !iable if any. persqn, or ,.~.utomat .ed Tell.er ~a.c. hine_ refuses.to h. onor the.Card or .ac~g. t ypur c ._l~cks~.or fail~ .[o .return. the.
rd .to.you._.w.e. ri.ave no m..sl~..ns~b.!!i~ for. gaols.aec ca~ .c~.~um..n.a.se~ .~n ~ ~arg...or onec~.s except .as..r~qu!.ra3 Dy !..aw. I.~ .,,~eaa ~uLe' ~ejowj
Certain ou.nerl~S mat are aVallaDts ~1 me Account are provloa3 ey ~llra-pamj ver~ors, we are not responslD{e mr me quality, aVallaDIIl~, OF results o]' any
of the can~ces you choose to use.
i.S~. I~. Payment O~lare. ! you wish to. stop gayment on .a .c~eck, ygu.mey ~nd..us a stop pe.~..nt order by .~ting.to.gs.. at our a .dci;eca for customer
istaeon.your.s.tatemen.t. Youcanm. acaa.smppe.?~.~e..nrc .re.er. om.~y.w, oaLmg.me..nun~er?amao~ .ypur .sm. tempt .wr~.n. )~3umacaa..s. mppayr.nen, tpmer.,
you muat'p!'ov!.'ee your Account number ~n~ ~i3i .fr¢..infuffhetiofi. aegu[ ~W. cn~..~: me....e~xact e/no~.nt, ma. cute on m~ .cnec~, me ~me.o~ F~e I~.1~ [o,.,~nom a
asrega..m you[ ora oraer ~ we (3o not rec~ve a g . . ,
.de~c~p~o~ of.the jt~m so that..poyo~n.t....c~n ~ stroll.. T .h..e ada'. will no~ I~. effwlNe if the..che~., was peLd b~ us ~ we h~. a r~.~onai31e opportumty to
act on ~qe oroer, we may, WithOUt ilaelllty, tssraga113 a wrl~en s~3p peylno~ omar six monms a~r resapt unless I[ la renewou In Wrlang.
Stae~ar~ e.f. Care. Becau~.this./~count involves beth cre~t card.and ch~.k~trar!ae~o~ which are prec,, ssd th..magll ssparatp natio.nai...syatem$ ~
the .tm .n.~...~ons are consol~datod ..by us, ~ becau~, not ~e~ery onec~ .one ua.m a~p...~L.De ~...t ~.us,.[ran .~F~. ~s m .y~.r. ACCOU.n..[ ~1, pe p~
mecnanic~J,,ly without our nenessa~il~ redoing every nam. uur 1~3ne~ng Wsmm ~!~ cal!..our .ane~o.n to.cer~., m .[~. ,swmc. n ~,~.~# exam~r)e, w.e.
,ex~min~ all .a~naec~.ons ~ you _r~ert .that ard .or. heye..baa-0 ~cat or s~e~ .we ® not i n~ng.,orclj.n, amy w ex~. mm.e {~,. it.~. s, cna w~ ,~1
no nag,goat e ..we.ou no[.ou so. ~nls rum es.a.,a~snes me s .,an~, rg. ~ orana~ ~ ~en~c..n we.)n ~ re~ ~[~ ~eraca Ln...agm~n~a~...nc your
Because of our. l~mted reaaw, ~d.be.causs no. m~r your .cancaL.a3 c .r~c~. nor uar~ ~a~. *,~on s~. ~a~[ ~e.m.m~na~ to you ~m ~ m~m~y .saLemont, you.
onoqld be c,~arau, l. to enter all CnaCKS ,n your onec~ .mC,star. or o~en.~, ca Keep a.re~..rg or ..me. m..,ou ~o.u,g,~OanvcaVeunaY~Ot~z~tr~n~a~sa~emanC~)rsa. no
pumnaca a~ps. You .agree to che~ your monthly atat~ments aganet your racom and to no~y us ~mmeamay o~ any .
Waiver ~..Certa[~ Eights..We .n~/.dslay or .waiv~ .alimet. oat.of .any pa~yisiofl q~ .this Agreemer~.~out. I.(~.'ng pgr rj.'g~ to ~ it .a-, .any other
provision ~at.er. ~'ou waive: me ri. gh.t to precan~llent, ~o~ne. hq., pro.~[, or nncne o~ asnonor; any ap~cal3e statute oi' limits[icao; cna any acm you may
nave to require us to proceed agamat anyone before we ~le su~ against you.
H~a?ll¢~le. Law~.S..e~rabllEy; .Aaelllam. aet. Nq ma.~.r ~nom you ii.va, this Agreemqnt and.your Aclu.. nt a~ ..go.~e~..gal by..federal Jaw an..d by .Ne~.
.agraem~...t. lfanyp.m.w..aonormts/~g ..rqfa.nfin. t~snala.mL:.~L..n..v.a..~eoru, nen~..q~pae[~.e, you. ax3,a~e. W~l ___. ~p~f .[~.o~ ta -=°-n-m--m]~o~acted
~aw, aec me rest or me provisions m me Agreement ~ sa~ De en~orcaa~e. At any t~me ater we aeterm ne n gou~ am ma ny
PRO¥1DIAN
legislation, regulato~ ~:tJon, or j~clini,I decisi.o.n bps ~n~ or
~O, or ~t no~ if ~i~ ~ I~, ~ncol t~ Ca~ and ~ur ~t
~ J~ ~s ~g ~u ~ hoU~ ~ ~h an ~t ~ ~ t~ pumha~ or ~s~g~, ~ may g~ ~u ~ ~ ~ n,~ a T~nan=~ s~m~r
~m me s~s ~m~ ~ Sm~.
N~c~. 0~ ng~s. to~ shall ~ qff~
~r smtem~t (or ~r a~s ~ ~ ~l~j a~ ~11 ~ ~ ~en ~ ~ .
Y~ e~u~ Rmv- ~E~ TH~S X~CE ~R F~U~ US~ ~is ~ ~i~ i~nt i~ ~ ~ur fig~ and ~r ~bili6es un~r ~ Fair
C~t Billing ~L
~o la~ than ~ da~.a~r ~ ~ ~u ~p fi~i.b~ll
a~ e~laln, if ~u ~n why ~u ~ i~ ~ 15 aB e~. IT ~ n~ m~ i~auon, ~ u,= tm,, y~ =~0, ~, =u,o ~.
~ ~ au~fi~ us tq ~ ~r.c~.bill a~aficai~y f~i~ ~nt, ~9 ~ [~.~ ~ ~ a~ am~nt ~u ~ink is w~g.
0 st~ ~ ~m~t, ~ur I~R~F ~US~ ~n ~ ~ ~ln~ ~s ~ ~ ~u~c ~t I~ ~n~ tu ~u~.
Your Rinh~ and Ow ~MblY~ A~ ~ R~ Yo~ W~ No~. Wp mus~ ~ ~r le~r.~[~n ~ ~s, uni~,~_~
c~s apd ~ ~n a~ly a~ u~ld ~pot ~alnst ~ur c~g~e.
am s~ll ~i~t~ to ~ t~ ~ ~ ~r bd ~t ~ ~t in q~u .
~t~nt ~ ~e a~unt ~ ~ and ~ ~
our ~ana~.~ npt ~ ~u and ~u
~ ~ w~ ~t fi~ly ~s. If ~ ~'t fdl~ ~ roles, ~ ~n~ ~11~ ~e .~t ~ = ~ ~es.~ am~m, ~. ~u .
mail~ t~ a~me~for ~ ~ or ~.
T5028
SHERIFF'S RETURN - REGULAR
CASE NO: 2001-03330 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
PROVIDIAN NATIONAL BANK
VS
PUSKAR DEBORAH A
GERALD WORTHINGTON , Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
PUSKAR DEBORAH A the
DEFENDANT , at 1910:00 HOURS, on the 13th day of June , 2001
at 155 S ENOLA DR
ENOLA, PA 17025 by handing to
DEBORAH A PUSKAR
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs: So Answers:
Docketing 18.00
Service 9.30
Affidavit .00
Surcharge 10.00 R. Thomas Kline
.00
37.30 06/18/2001
PARK LAW ASSOCIATES
Sworn and Subscribed to before
me this ~ ~ day of Deputy
~ ~/ A.D.
~r~thonotary
VALERIE ROSENBLUTH PARK, ESQUIRE
Attorney I.D. #72094
PARK LAW ASSOCIATES, P. C.
25 E. State Street
Doylestown, PA 18901
(215) 348-5200
ATTORNEY FOR PLAINTIFF
IN THE CODRT OF COMMON PLEAS OF
CU~BEPJ~AND, PENNSYLVANIA
PROVIDIAN NATIONAL BANK
Plaintiff
VS.
DEBORAH A PUSKAR
Defendant NO. 01-3330
SU6~ESTION OF BANKRUPTCY
TO THE PROTHONOTARY:
Kindly note that it has been suggested that the Defendant in the
above-captioned matter has filed a Petition for Bankruptcy in the
United States Bankruptcy Court, and thus this case must be stayed.
Respectfully submitted,
BY: VALERIE ROSEN-BLUTH PARK, ESQ.