HomeMy WebLinkAbout11-7122IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
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REMIT CORPORATION,
Plaintiff
CIVIL-LAW
DOCKET NO
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1 l-? ? ? Cap
vs.
HARRY L. WILLILAMS,
Defendant
ENTRY OF APPEARANCE
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Kindly enter my appearance on behalf of Remit Corporation, Plaintiff, in
the above captioned matter.
Respectfully Submitted,
THE REMIT CORPORATION
iVv
Laurinda J. V lcl er, Esquire
Attorney for Plaintiff
PA ID #82706
Remit Corporation
36 West Main Street
Bloomsburg, PA 17815
Phone: 570-387-1873
Fax: 570-387-6474
. V
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
vs. CIVIL-LAW
HARRY L. WILLILAMS, rn 03
: DOCKET NO. 1 `_ i as Cw ?
- r ?=
;
Defendant C
NOTICE TO DEFENDANT. `- `
TO THE DEFENDANT:
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this Complaint and Notice
are served by entering a written appearance personally or by attorney and filing in writing with
the Court your defenses or objections to the claims set forth against you. You are warned that if
you fail to do so the case may proceed without you and a judgment may be entered against you
by the Court without further notice for any money claimed in the Complaint or for any other
claim or relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE.
IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Pennsylvania Lawyer Referral Service Cumberland County Bar Association
100 South Street, PO Box 186 2 Liberty Avenue
Harrisburg, PA 17108 Carlisle, PA 17013
800-692-7375 717-249-3166
717-238-6807
;,;;Poo "z*""A
LAURIND . VOELCKER, ESQUIRE
Attorney for Plaintiff
a oo pd a
??a%17
t
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
vs.
CIVIL-LAW
HARRY L. WILLILAMS, DOCKET NO.
Defendant
COMPLAINT
The Plaintiff, Remit Corporation, by and through its attorney Laurinda J. Voelcker,
Esquire, hereby files this Complaint of which the following is a statement:
1. The Plaintiff, The Remit Corporation is a Pennsylvania Corporation doing
business at 36 West Main Street, P.O. Box 7, Bloomsburg, Columbia County, Pennsylvania
17815 and is the assignee of Action Management, Inc. Copies of the documents assigning all
relevant rights with reference to the present action to the Remit Corporation are attached hereto,
incorporated herein and referred to hereafter as Exhibit A.
2. The Defendant, Harry L. Williams, is an adult individual residing at 760 State St.,
Lemoyne, Cumberland County, Pennsylvania 17043.
3. Defendant obtained a Visa credit card on or about August 15, 2003 from Chase
Bank USA N.A., (hereinafter "original creditor"), Account number 4301 5420 0184 8885.
4. Action Management Inc. purchased the account of Harry L. Williams from
Forward Properties International, Inc. A copy of the Bill of Sale is attached hereto and labeled
as Exhibit B.
5. Forward Properties International, Inc., purchased the account of Harry L.
Williams from Chase Bank USA N.A. A copy of the Bill of Sale is attached hereto and labeled
as Exhibit C.
6. Defendant used the extended credit leaving an unpaid balance of $5,011.20 with
interest continuing to accrue at 23.99% per annum.
7. Defendant defaulted on the payments due and the last activity on this account was
on or about March 31, 2008. .
8. To date the charge-off balance is $2,750.61 and $2,260.59 post-charge off interest
for a total of $5,011.20. .
COUNT 1
BREACH OF EXPRESS CONTRACT
9. The preceding paragraphs are incorporated herein by reference and made a part
thereof as if fully set forth herein.
10. In consideration of the extension of credit provided by original creditor through a
credit card, Defendant agreed to pay for all charges for purchases, balance transfers, cash
advances, fees and interest on her/his account.
11. The reasonable charges and expenses owing for the credit card purchases, cash
advances, balance transfers, fees and interest is $5,011.20.
12. Defendant accepted the extension of credit and utilized the credit card without
complaint, objection or dispute as to credit services provided, the prices charged for the same or
the costs incurred.
13. Defendant is indebted to the Plaintiff in the amount of $5,011.20. Defendant has
failed and refused to pay the aforesaid sum despite frequent demand to do so and the same is
now due and owing.
14. Defendant's failure to pay is a breach of the express written agreement between
the Defendant and original creditor. Pursuant to Pa.R.C.P. No. 1019(1), a copy of the written
agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit D.
WHEREFORE, Plaintiff, Remit Corporation demands judgment against the Defendant in the
amount of $5,011.20 together with interest, costs, attorney fees and such further and additional
relief as this Honorable Court deems just and equitable.
COUNT II
BREACH OF IMPLIED CONTRACT
15. The preceding paragraphs are incorporated herein by reference and made a part
thereof as if fully set forth herein.
16. It is averred, in the alternative, in the paragraphs set forth above, if an express
contract between original creditor and Defendant did not exist, that a contract implied by fact or
implied within the law exists.
17. At all times relevant hereto, Defendant was aware that the original creditor was
extending credit services to Defendant and that the original creditor expected to be paid for the
Defendant's use of this credit.
18. Defendant used the credit card to purchase items, and/or transfer balances, and/or
obtain cash advances and she/he received the same to Defendant's benefit.
19. The total reasonable value of the Defendant's use of the credit extended by
original creditor is $5,011.20.
20. In breach of the implied contract, Defendant has failed and refused to pay the
outstanding sum for the credit card use and the same is now due and owing.
21. The Defendant has failed and refused to pay the aforementioned sum despite
frequent demand to do so.
22. By virtue of Plaintiff's assignment of this account, Defendant is indebted to the
Plaintiff in the amount of $5,011.20.
WHEREFORE, Plaintiff, Remit Corporation demands judgment against Defendant in the amount
of $5,011.20, together with interest, costs, attorney fees and such further and additional relief as
this Honorable Court deems just and equitable.
COUNT III
QUANTUM MERIUT/UNJUST ENRICHMENT
23. The preceding paragraphs are incorporated herein by reference and made a part
thereof as if fully set forth herein.
24. Original creditor provided the extension of credit as set forth above with the
expectation of receiving payment for all use of this credit including, but not limited to,
purchases, cash advances, balance transfers, fees and interest.
25. The credit extended by original creditor benefited Defendant.
26. The Defendant will be unjustly enriched if Defendant is allowed to retain the
benefit resulting from Defendant's use of the credit card provided by original creditor without
having to make reasonable payment for the value of the benefits received from the original
creditor's provision of credit.
27. The original creditor was not a volunteer in providing the credit services set forth
above and the Defendant understood that original creditor was entitled to compensation based
upon Defendant's use of the credit card.
28. The reasonable value of the Defendant's use of the credit card including
purchases, balances transfers, cash advances, fees and interest is $5,011.20.
29. By virtue of the Plaintiff's assignment of this account, Plaintiff, Remit
Corporation is entitled to $5,011.20 from the Defendant and frequent demand for said sums has
been made and the Defendant has failed and refused to pay the same.
WHEREFORE, Plaintiff, Remit Corporation demands judgment against the Defendant in the
amount of $5,011.20 together with interest, costs, attorney fees and such further and additional
relief, as this Honorable Court deems just and equitable.
Respectfully submitted,
Laurinda J! lcker, Esquire
Attorney for Plaintiff
PA ID #82706
Remit Corporation
36 West Main Street
Bloomsburg, PA 17815
Phone: 570-387-1873
Fax: 570-387-6474
ASSIGNMENT OF CLAIM
PURSUANT TO
PENNSYLVANIA ACT 219 OF 1990
For value received, the undersigned:
AMI Trust 2/Chase
assigns to:
The Remit Corporation
doing business at:
36 W Main Street
PO Box 7
Bloomsburg, PA 17815
a debt due to the undersigned from:
Harry L. Williams #634331
for the sum of $5,011.20 arising from unpaid credit card services
The said sum is justly due to the undersigned without offset or defense. The undersigned neither
transfers to The Remit Corporation, nor expects The Remit Corporation to assume, any
obligation or any liability of the assignor to the said debt.
The undersigned has done nothing and will do nothing to discharge the debt or hinder its
collection and hereby grants to The Remit Corporation the full power and authority, to bill and
collect the aforesaid claim, in accordance with Pennsylvania Act 219 of 1990, Section 2, as it
amends Title 18 regarding Section 7311, including to sue for, (in its own name, through an
attorney licensed in Pennsylvania) and discharge the assigned debt.
The Remit Corporation specifically agrees to comply with the Pennsylvania Act of December
17, 1968, P.L. 1224, No. 387 (known as the Unfair Trade Practices and Consumer Protection
Law), and with the regulations promulgated under that Act pursuant to this assignment.
Dated this day of
20tL.
Authorized Signature
AMI Trust 2/Chase
:EXHIBIT
EXHIBIT A
BILL OF SALE
Turtle Creek ,Assets, l.td., by and throw its general partner, International, Inc. ("Seller"), for value received and pursuant to the terms anconditions tof
the Credit Card Account Purchase Agreement between Seller and Action Management; Inc.
"Purchaser"), hereby sells, conveys, transfers and assigns to Purchaser, effective as of the
file Creation Date of January 19. 2010, all rights, title and interest of Seller in and to those
certain accounts, receivables, judgments or evidences of debt described in Exhibit I
attached hereto and made part hereof for all purposes (the "Accounts').
Number of Accounts 169
The Accounts sold hereby were purchased by Seller from CHASE BANK USA, N. A., a
national banking association ("Original Creditor") as evidenced by the Bill of Sale from
Original Creditor to Seller attached as Exhibit 2 hereto and made part hereof for all
purposes.
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.
Turtle Creek Assets, Ltd., a Texas limited partnership
By: Forward Prop rt4 Int ational, Inc., its general partner
By:
Gordon We, President
EXHIBIT
1 8- 1
E_AMBrr % CHASE 4:P
HILL ()F ,S %LE
11,1,r flank I S,\. `' 1 : Ncllc•r t ?r \ Ilue re.el.cd .ntd ruIN1 ,1111 III the mills aid .? nJlrn n,
( (,.,I it I and 1.c,?It III P Irchaae lgreement Jated %lj% , :III)U hcr.ccen ?e?ler and I urtle t rect.
-c.ls, i td , h% Ind thr„-IKh its :cncral partner Forunrd Pr %perties Intemah, nai. Inc.
P'trch,kwr I• its ,IleLe--v%,mil ;wigns1 •( relit (- jrd ?Cl,'illlt l'1Irlhi1',e N1(reenlefll 1, he(ebs
„ ,ins ett"m a .ls .)I the h Ile t reation I late of Noscmher I _.:OOIJ nil f ights. w1c md interest of
',t Per In Ind to tho,e,.crtam recenablc?, judgments or es i,irn.c, „t J04 Jesxnhed In Fibibil I
niched hereto and made hart hereof t-,r all purpc„es
?nun?nls )lilt to yeller hs Nrchamw ill hereun,ler ;hall he raid 1 S II„Ilars hs a ,c rte transfer to
he received by ticiler no later than No%c?nher 17, `11Qe) I (he: "( lo,nlg (late ') hs 2 fit) p in. tiellvr',
rune, as hIIII)wl.
Chap Sank USA, N.A.
ABA
Banaactary Name: Chase Bank USA, N.A.
90naAcla y Account:
Ihis hill 4.1 S,ele 1%.'tc•cutcr,l µ11h41111 reuurr,e r?.,1?1 as ,Inlr,i III Ihe- ( rr,11t ( .11d 1c0111t
Purchase lgreernem to whia this is an Fxhlb?t. No other represcntntl,nl .It „t % ,u rtnl} "(r1Uc,If
C1110rceability is expressed or implied.
t 'hale Hank L -S•1. N.A.
?ly
t l:rfe
I isle
Vnrrnlhrr !r,_tle)9
I lperation ?l ula1gr-
EXHIBIT
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rurtit ('reelrr,kssits.
Il;>
i)life / ?,? )r1
C_ .
IIt
1
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MASTERCARDt and VISA'
CARDMEMBER AGREEMENT
(:B.*4IERAL TUMS
1. %le4oi"I Of Words U"d to Thk Agar nwar, "40"mm-
Mmm rho Jocu-m (whrds has a dndft arLtt provision drat
n ay A act your ri&M Io go b COWL Your ri@11t b 4 jy sid. and Y OW
no u parsscipme in a cuss AM= w Cdv re{fEatrft Y i acnsnt srd
1hs I?iCirrM Schethrle (which
O1n' xtidalh IPPcar an yar card tamer
c.?r+rairt.rsa Your credit rand), as e 4m mq be A waded Gary tuna b
i irrtt fTm Ap>cateaa w efleuiv4 trills ?, use d a Coat or tht
by you or m ALAMAed Etas, or if yM * not cartel t Arr
-idtirs 30 d"S --- roo %*V YO- iakhrl Card 10 die Almon
f`cn'- *yat- or "yom* mWU cad pasxra ,Lib appbW for to vies
tx .thxtarCard Amount "%k- "tu- (t •Ow- tiwats Qeaee Mattlart n
Dann USA, Nrioul Anwiabm "A=,W mesas do V'qs 4
Ns» *'d Aocgaa for wlrid you wem isssrad cards and dsacta
intpr"W wide Your AMW manic 'A4Muoriaad Urd' nsnrea
ienar to wbran yssr Mva vv= permiasion a 00 your Accost,
t md" rneanx ft Msrt er MuftrCmd amts) issued ill com edon whh
y-xw Acamim. "Check- titan Chm Conve imn Chedw `ATM"
,mans Ausammuf Teller Machine. "Our d dt' mean a duet drawn
xt us or ono of out s>fsliaua "Setter" sushi any merdgnt, inssm m
cunpanY ar its 90nm or broken
2- S-h= of This Account. Thb Accoma mW be traced for
i'urchaaq from tvsy Selkr that WCUP t the Card, for Advances and fa
,,ther irntcactims we permit such as ask=* )}truf m You 19tee nd
rn made a peas"" W he mob XW "Bkpt 011111111111174111wr
yosr
or
Through the use of a Card, a Chuck w =Y true,,, Inomm Acoru
3. 7b':" Vow Cud. Ytw -W sip the penal an du leash d Yat
c :trd Aushtxiaod Uun d sty a did=W Ctmdp) s110W 9100 1&*
Turns on the penal an du bwk drlum Csak. Far Purcboee, you wd
have to sip a arty slip Bless Bus Yom mmt IN Sends rtsaa, asst ytxtt
Actxxrtr'Humber On it. unkm ynu Id the Seger Carl" the salsa 19
iur yarn t
d. Your Rospoaoibipliao for TMe AccoWC you sm respism bla
for sU unoytss owed os tar Aawrs4 wh.*A
;'m wtvrsnr You fsemW to Obftm eredla m yWCAatAIaatart ? you. a
W
cndnd a pause rim Cardk cW a u Ytxu
Actors 'vM actual, "mph d now pasame trsiaM a Card d w Y
aPl ? YOU on th1
.mllom who is ISPA d a Cart for YOWA,
1cfW w give Yaw CBred) is atrshWmad b makr charpa ap ynurAcimuom
,,,he vrne exuta xt Yau ad we ate rvX R-{utrmbte tar cormrut
?sch use (3f)%xrAvcoart. Such ¦xll
.r try ncttifyinM ur, uberst' Crmy will ca4hlrrt unld Ya rtovk0
uV Mu Cmd in yot f*Yaicsil pcaseaeiore..srrd
it Of i9 ¦ Cad imuod to m AtrhorhW tleer, by atro coning u in half. If
Ycw ,ecrive a bcndk firm the Liao (00w Card arAcam" by arsdur
;x.'raors such use wig Liss be CO Wlered unaudamiaad %6 snag m"irs
EXHIBIT
000307
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IT
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15
ifs
le 5
R
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t
"mn or tcfue ft unowhorinid use onus
14. ('3rd Replacemael Fee. You may he ,hawed a Cud
tcplnurWr( fi•e in the ;urNasa JMloved in Pricing Sc#te.fuk ifta in
w .toy .facial se"IMS for a CJM such is otrairurve any CSnI on an
c pcdited t v4t
I!• If lour Card or Cheek is Refeaed. At are riot rv4xmubk if
i Seller. Ilank or ATM refuat to honor yam Card. U`rock or tither
car-witun on your A"awt. Afthoughi you may have credk availubk:.
, may nos eahorire credit far a pancculat, ter inv. ridrt char to
peruicw,al ditricukkw w. rte Ulm JMDCE tan, for any (dW apixopriata
rttwn.
rnsnadreq rruuee above a cmait (kinar .ur-ft" may M.Wim
lud»nLVron hethm the tntilitwine is 3Iprovg& The nuetkv of
r]titucims you make in one day may be linitai) by aai. the is tale for
L%urity rcaws, rid as wch, dle dnttrla of how the iidlioriwo)n
)sent w.wks sale nut listed in This Apeenttya_ Nieidatr w* nor ram
genes will he responshile if :wtdtommiae fer a ineraction is not f '
f yew Acorium is overlieit or delksquerv, credit atttiuxiratkin for
anfactitav may be declined.
k. :Monthly State? Ml Bach inoth them is a J" or cradsl
a line ail nose than f 1, tX a Finance Charpe has been unpowd on yoar
r?crlUm. we will send you a slaternatl
T. Copy Far. Yin viU be chtarged the Copy seer is do miesau
vcktsed in Pricing Schodu le Boa 10 for each nnlprd or copied sake
ip. copiai staklterw. and copy of any arher teatx>i or docerresrt rho
,,At request. 77w fee is rat )wed if a rmgww fir arch recoil or
xrmterw rnrals a Mfksg cogs or a nudtariaelt tae on yur Amasses
;leftrrd by the p tkwW Respire nowds Replmim 7_
tl. 11011ssg 6rrort If you hate a disptrk above yourAccoual, notify
:N +tm a pnsihie. Pies a rr-id the envier ..In Case of Parana nI
it runes Ahout Your Mill." TTtis notice explains yow keptl nglea about
final emus and tlafiener unifer Federal Law sal how you muse notify
If .iny udjummvw is made, we wdl cmdk your Acccuu.
). Curretay (neversloe. If yet dfecs a tra "some with ytww
IauetCunl curd n Visa card in a curterky other ihan U.S. ddlrv%
tavterCunl internativind IrKaporeed or Visa InternwionaL m
pmpri,ae. will convert the CA" inuo a U.& kww amount.
(LL,1trCanl Irurrrrtiunal fir Vita Irttemsnional will use its crnversioe
:xedum rvl4h is disclaaed to fnsliNaitre des arse Mkults( adcanls
Visa cards, respectively. Currently. the cvrterky convenion rasa uved
M.torrCilid IMentasKnal or Yea Irnnmsidrl m deters ine the
diutctirsr arMrtrnt in U.S. dollars fps slack rraesactiora is Ornerally
txx u yuvcmrncnl-nnwulaied nits or it whok%ak ran determined by
.&SIO 'AM Inknwtitxtd err Visa I111etrtahorl, as appupnale, far the
vYti rims cyck in whk* dto vansaefre? N pamv A itrmawd by an
justrnere factor c,,m"isled ftae tune ro liner by Manat(.`rsd
stir nalwilal avid Viv finemattnal. respectively. rho currency
11ICT.irr1 ,na "i:al try \<avarC.vrtt fisctmwfininl tit Via Ittt rMirstel
M
O "n ee cae yotarren-tio b pxad by WimetCad Irwixrrylonal
Vita Inteetnritetal tnay difF& five th rye that would hew been used
on the purdwsa Or ttyeacti n data or ilea c dhokler slaipram pomir9
We. It* adyuaaoete favor"i pars of the cunenty con%VnWM rats
is art P-M. M may he cltrtged horn torte so time by Mte "C'&Cd
Inarnyhorty err Visa IMMIJOrtal, respeedvely. Rill each uch
uansacpour ccrrvertad info a I M Dods aettaa s teat mess he =V erred
lack into a foreip cu "WY bacauaa of a milied or outer tevenal of an
trViWton. the saute curteney rertvensoa rat !croons and prr<rdUres
w•1l be twad
Q Fwvfp (answer 7}se4sdi$n Pee. Fa earb marathon in a
f0mW 00MINI X you *IV be charged a k eip cwmncy transeclion fee
'qMM to tka PaM+ap auto" shows in Ricktp Schndtde Boa 10
muhiphad by the convetfed (remwiien wCoutt This the may be
ebbtrviatcd as 'Fast True. Fee."
SI. Auebwi=tfm h Pr*vW* Ioloreyeiete, ybu iwlhodto us to
provider cena is infmsasioe txa You ad your Account to our
AtIllsses ad others, including say company whose name or rnnfk
may appea on the Cards. Cootp m details reSsnKrip our rights to
,hart inforntrioe and your rlAin to opMUS of cenain information
being dated a prot'ida to yon who you rust receive an
AR?a.nent and r kart nnu each caliardw year thereafter.
LL OtWoUng A-etsm InAwmalloe teparied is Credit
llw-u& Nit Ra -b W-natim abort your Accoute to credit
lxxeara You have the right b sHsptae the WMFWy of the infOlmatlOe
reported by writing us at P.U. Ooa 15923, Wilmington, tE
19m-.Yw.
21 Cba.y.p the Tastes of T1Ua A?naterte, Nit may charge
,any of do tiers of this Areeetsee, wthwbq wwastel Gen setae by
.akfatg nets sores or by ddetksp or modtf "usatinp tame. %% wig
notify you of any such chores AS uteryWted by late. Any changes to Uric
Agmetteeas vise apply to A awrirtdirtp tatpsid ti tbaekan utd my
new trenea d- w )- Atxatesa Vile may, sell (w u.sfae your
Account and any araotrree owed ere year Account in another, person as
;ny time. If we Jk this Apteerm wise rYl be In coo uw Any
uaclccft" Wig have our ?ighb in this Agreement to a w axwo assigrtod.
U. Deflate said Collegis Code. Your Acmoya will be nt deftash
avail we caa moon ter the luad osstpaodkeg balrke be paid if: 0) yoo
Iiil a pay any anoune uwed aaler fhb Agtsent when sin, (2) you
exceed the an1M link in eYad an your Account: (3) you do not Wow
the Icrtrsr of this Apeetnett (4) year abiRey n pry us is maleridlyr
irripewed (InckafYsp, ate not limited t0. Mknupley nr Manlveney
imoccodktpe Urn n* initiated by or aptket you): w (5) you default an
iry . Ahcr loaf or =M uWftwion you have with us or t nott= c=Mtor.
Nit rb not have to notify you or demand payment in order to tale this
k rinse. If yaw air io *fA M, we ndyt ,y pernitsed by ?aw. caecd your
cmxb Privrkges .nil m*jw you io pay the urrpajd balance
M
000309
*rtne,b.uely •ccpire Y- to pay wleret :a the rue of two pftirr (2%)
.r rnv:th an are u1w„1 hablvc when we deeK your Acc,xtt to he six
"I rrWW lulLno cyties Irat due. and Mrsile yrr a M mama"
,nonrc) t /eea..uty court cesb and other enilocTpn clash rreunrd us
r the o,lkcuon of rty .#mranrs yew owe under for Apeemela.
25. t'.rnceilation. 'At may claw your Acco mr at any time Ycu m0
h -e%rolsihfc !nr r-Paynt6 my ;Lrichisei. ,ldvanres or ,rher
run. ivxting charges the we arll due on yrw Accoutre. Your rand is
i.Nued ,a is vay of letting you use y,ntr Auzntrt. It may nol Ir
it ullermd. If we requen the Cndfs), )rru rout rehtn than. Any
,eNKex not dtecrrbed as this Afrounting that nilay to Provided from
Inne ter time in tvinnectla with ft Accrwms i e not pan of Ilia
Ag1eemunt and may be cirart!eed or cannelled at any tan wrtfoyt ruoa
fir refirnl.
26. Governing Law. Tnil Aaehmwig la prvwned by the laws of
tle Lnited Stays of America (tldaral law) a" the 31ar1a of
lhiaware. Any,bspuae comemin` wry hero 0 this ASreemwrr will he
rcsntvcrl by thaw laws.
27. Telephem Monitorlnjg You apse that your tekphoee
?wnmwriwnire with LLa nwY be nW*Xtd ur1 racarkd a m
Pvve
o wo wt <ervice wild ecurily.
28. Drfayed EMbretrisew. A4 may,leiy mforeuq or not en(amv
u y of oor rights undr this Apearreera without losing any o(ddon.
29. Se verability. The nval#dify of rally previsrn of this Agreeftim
.hall rk4 .()tract the validity of u try outer provision.
30. Cofnumsar Neperrs. At nay i Maim consurnar credit repave
ftmt CM lit hurcaus on you A my time in Connection wide any
catension d uedit on ymw Accot", to mvww yorr Aceanet, or for
,Oer pennifaed purpoires.
SPECIAL RAM"Itir 5
1. Spe•clal Roles. From firm to rims, we may ()free you vpeefd
Periodic limes and tartar rn yourAmo ra for all or pars ofa y haluVa
stn )OUT A cvmgt. Fir Ciiamptr, drfe otters rna
lrrmtt•rtr,,nsactirnsin Y involve G) b,dlerce
raE special checks or aher wrinen mqj m frier(
-a pmvi,le or verhtl rtgtaorn for such trwefas which we apes to
ix,rur fri.Arnod w sa 'Helene Ranters' for pttpnoey of this
Agreement). (it) Aefwrrcea trrtttacsions using speed Convenience
Checks or nttgr "men icquew forma we provide or verbrd Iegrrsrs fur
,uch iransferh ,.itch we apse to txxrr /these jorisl Advwkm
nntua•Ixam ;we Are %ub*i to dw MlWi FOR ADVANCES below),
r liii) other offers on your Aeetxam such as ildrodunory. promotional
r uthcr ze,kned me alter() on i lochamsa, Dalanoe Tranden :nrytz
,\Jviurex If we do make such an ofkr, we (nil advtaa you in fee oiler
all ncc s)xcinl rates, how long they will be in cheer, and the balances to
vlrkh they .vill aptly. Unless Wlerwde provirty in the offer, yomr
eguhv rocs wilt apply alter the ;pedal rates expire. If s s
Ideaial (nee is
AN
'an ,he P* hen the '%friahle R.ua" terms of ihm Agrecrou (itsc•ludtrg
Schednlej Wig .Von Any ttsac,A lace Offdefd to you nu)
'h*W to vow nep+ta? Preilis- Fn" nlt: It yeu fad to rnake any
r' i Aavtrr is ckased lm YXI- T caw by the Payment Due Dili
snY . ()ors My 'pedal tale offemd w
icii or JOY RRd/ Preferred ftIM tare may Awip to )vw N(w
Prrhrrod rwa d yon fad to comet du cordla,"S of the "Preferred
rLstomra Pncirg fi84itlr6ty' veitien of die ApeeraeK,
L Qalatre raaafr'IYawirm. and 00er 3Paelal Ofllrx
the lent( d this Apeetnem apply to " spx'Id nfN m 9alaur
r-A'"* 7ilsaCapae are rtC,M a pluchaep emcell1 as noted in this
Al eememe a any oft we Ineke to yon Thine Iranaactiprs will nut he
rf Wbk fa the pare pwiod fen Ptadtran
of my 9afsloo Tya eft ofkr me& to y a strand in the tcmn
rnl"Saft and tea sehmd pnwsot-W h*- 1femienm suds
e T-01tined Puelence' ar, , nYhrta rmuhe" wilam TrsbdEr sew
'dW IMJM 011 111111111 w subjW a amditiorr, in lieft der a VeciM
,see is comier" on a UwAftdm flan dal of potty to Yaw
Aocouatt before the eapiaeion des of do oft a wisest me hems do
Aer may not be and to pap arnoere year owe to sny lpMOW Chas
Iwk or ennpany. wd odror Cadktiona that will be diselofed in the
Am If you de, net ram three mididoar, we reeeve dae rifer to
'Crewe a horror Ilea hrnaanlon or to "al a Oalmce Tyerfer or
I%mhm t lumieam a sA Advisesm Cenals dare TERAtLS "
ADVA111C= Irlewr iVoy m usoh VOCtsl OMM irk6,*y ter
Orcinsd Cheek fu wed SIoP PAY- ngla fie (sseaotaa 1 W 7
cVmdvdy)l a well as ear nglr nal to AMP certain cNscta (aci itm
6 TV* Sbvic-
C7wM for Athimoea Icectfen 3) w,d apply for
Advances, ofts,
!• T1'fnmsetkan Pa fYr Rabsree 11}ataalbr lY•aannlow, For
each I'll I I Tlarrafw atiaradon daarnbed iw easy oft we may make
fo You. we nrY dOW is Thmse ctioe fbe F RAWN CHARGE is da
()stmt Jwhmwl In Pfkkg 9thadala am 9. Ti a fee meyr be Maxed
rv wajyed a Off sofa diserergn in eery offer we males to you.
frwualk" Fan am pas or ft 14 rraruora 0sar8a, flee aklmon of
134ww Thread Tl IWWIsrr Fees may casts the Annual pertemalle
link for f3rdmx 'rrAOdw hanssuium a exceed f nornirW Annual
lFtocnialp Rare sho" of yew( as er em.
4. ndayed Payment P?np•afn. At awy (*Ter you in Arr
,tnCreeiees from time a rime a cpadal Pmmmion (the "Pm&re -) which
pplies to Quteli8e/ Trrmutioms j,WWW below) made using your
1ct*arM deli ft a specified usap period H9aps ilia
to yeast. !hesteerms maY apply a Ramses. B ? r offrrad
Advas der air pushed b Yow Aoootsr dufafg dal usaappers d m4
all the ulkv P wrides. that met ur exceed o R?a aril
oll arled
fl
akyw (hid ale mark at any ell8>a mm h m localiutd ls ('Q1ruafffiod
Ttsnactisrr ? rniwehw location
"L Ale will norffy you of the (Whr srnmrr of Qrtalaled
lnmdacti ?rhe eligible metehaw bcatiow, the Ate of the iuapn
ending daft of ft Piop ern wh n we uNW des Prarrarw
9
000310
n you. If t k „tfer pmvtdet,'Ituing the i"gwn into its en" dja
rJuu.l id TranAaurtaa will not be 4xkk d M ),,w Amount taFmoe for
'he p won Of catculamg the %'bntatW1 Paymnlt due etch tnondh
Axlcr;Inc "ttirtimwn"ymc+x" -1-4 rxw ilIpe=ment Iftheofltr
;xpvida, during the pMpyn acrd its 'aging dohs Qwhffed
fimy-hom will oat be ubjim to cry penudic rau Fnrnce C'>ape,
" that ruch Qtr?bfied Traruc amm AM no added to th daily Munn
,',:%M d in the Cilcularion of Fm nee Cage for Palma Rat?fert
•1(Iv xa And Pumhosa" Whew of yogi ApeertxeR. If any sotaas of
Vu&Kwd 'lhrurresKw is roe pud in fuR by ft ending eMa of dt
pr"111111"ZI> the r-MI'ling SALM" wit th res4s be irxhK%d M the
klimntum Payntevil cakulaim AM xcna finance Charps in
rKrurJytce with the rrguly toms of yutr A peempw. Ilte 4pecial
wrrm J the Prolpmo may apply only if rps Ames nt is in good
-running it the ume a Qualifkhd Trwa -eiat is wads, sod mmaiw in
good .#A"ng thmughotd dw Pnngntn. Except as nhaliGed by As
Rnp tilr. Pill Of the renrw of ynw :tgnxnxw tlrrtab in d2w
Ftrltnwing temtirwion of the Phmgnm parr mgukrAccotq tame will
cocain qMy to aii Pttrcttste Bakncie Tnrnsfes anchor Advances.
TERMS FOR ADVANCES
1. Advance All Advttna is a cash k no ot sionlar imanna ital, you
may cake an Adv;rnoc all folbws. 1) Usung yeti Chakt. Ihe.e Checks
may univ he used by the perwn(s) whew names aw PRfrbtad as doe
(1 reek,. tit -# not cenlly these Owchit. 2) Using any of cw A7j?b air
:my ATM. whk:b may be provkbd fa your uhe by vvjdw fitarciM
inshtunltvi or camp=y. )) Using a Cm1h Advance Alip Cub Advance
slips may he obtained from any of our branches or from „ply back that
+cncpm the Card. 4) I urtg f ulthial dwell MrAW ro you a respawn
to your,oquetit. 31 Using atry other service ft may be camctrd to
)out vavinp w choking a vou"st, which array be nfkmd by to Omit
nllnwr +ar to rake Advances in this Acegrtt. 61 Ftwenrtg irto
trwItwii,*w attar in-lihe the purchase of imtrs crown
,inuinr tnrnitminrm, which we r b Aston or
Irm'ted t+r ?' tram a Advwcei irschagng Dan not
toms oansfees, money ordem orawlen chequµ ganmt
rrut.acnrars, .ltd ru paymenbt. Advances may aho he refer ed b as
CwA Advances or Cx4h.
2. Declined Check Fee. Yoe will be,+wpd ft fee in the amotars
Jiticlowd in Pricing Schedule- Bon 10 for each Cbak. Dada r rhanfer
Clrti; or urher foram of Advance or Halmos T)u ul*r rhx* carets he
lutXCptxr trftm yut airs aver
yttr tzait fine, tai rPiatkl be if sradh
check nr usrt%ximin woe procrmeA or ymm Aec
low d. twrX is t)diaptep or
1. Slop Wyment Pest You will be dharpsd the few in the terlotmt
I.alowd .n Ihicing Schedule Boa 10 for each teques you, ntakx fa w
u atop payr.lent on a Clack. Balance Transfer Mick or udw form of
Ic h wtce .)r Balance rhouder than we mnke ran yatr behalf or a canimi
i Iop par men, regneu Yorr nxrar pmvkk ua with ally irtltsmatim we
0
Mwahty rew" in ordw to phexeu ?ow ,wap payment or
randk+tiao re,qugt. At rb not ha" to Mmar ant payrrhen R
, siodlataw 1E4tsal :mow we here a ryaQy tp act dt
r 'xfae de Chtsciy 'sisnw 7)atsfer C?eck or Xhw fam 01A,64=
x Bainhoe Trends is Paid a 4W -d f-,-Y---L wk to4 net he
I able m any vrsy for aey stop P.) Iwo air artceltatien requcx that we
honor nit fad b horror if we used odimy cot
t Usdks an Aer,.em Far A hw= = rmm m AT?4 thm
is a lima hbr each'truuttior aid, daihy limit that you mq'r,htait
3 Seerles (,'harMwTr+w l0im RN fbr Adrwsueq. Fa eadt
ldvasrs, you
HACZ M t wag he chrgea T---ion Pes FINANCE
w anent 6_10d M Prk.6 &h luk ft. 9. Any
rtinitnsnt and maaiatts Traasctiou Fos tttr biro rftdeaad h tM
I'y"*& dttb The ttxd seotwl of 'Am- = Fos s"N be ba"
d the Fi w pawdycw sgkurrt Trnraracion (boa are Pal
s
t:7tr11it' The adduct Of TTsutMm Fen may soars tM
t QR A Ito organ the norrwnl Mrtrl
IL OW It-p"sibImm to HOW
you" cMcb if: 1) s? W atetpl
_ by Palnng s Qtsck a Balance T)amfs CTack a our
T-.* Cb-* d W"ll N c?csd Dat1adit I &O 2) ) yaw M CQ?erd Balance
y
nr "W"1111011 Timafar CTheeks ours bun pad k 11M Ir a soles: k.. l) ) Your
rca
4OM" him ccatoI d U QAed? chw# u Paid not Paid. we as oat
tibia You may oat use a Cheek a Hdataa Tral.% poach pay
'my A neurn Yaw awe mania dtiii AS Sol I" b
rmsA15 FOR pURCHASFM
Ik''es or far use yw? Aeootnt to ptrh:hua or kYS Boock sarrd
>r i0 ? t -kw when rn*k g gnaauced rcurvado
'hdvathce deposint
11R1f.4 FOR AALANC; rRANSFIn
AUVANCYS AND FURCHASn
1. <'atculsUso of A--- Ckarp fir Dolma "RsWWtr
A d-AM and FbirchmL T)tal patim d the Pss,. CA.Re chick
is dchyrtyned by toting tM dally periods Rau. c4.h d sepantdy
row (lalatea N-lita, Advances std A dtaM Mat using ohs arrnhe
"mod ltpaheratly kttotnt at do "WW d,dq balaher, ion new
rnnsuct - atweap d* Witiv- (which mrttay be
rt?rRd b • 'Minims Chug 84"0.3 on cakrl,tud r or BatktsKti
T mill, Adwca ad Ptuchastq ad coda such h d ma is r Stillwell nuship&W
air arppdcabls ? Perialio Rats St NW to the tan Perkd fa
ONAW rus on dishrag, •i}yK?? Pia saeNon! ud lendAe ohs trvtrachian cones a on do fiat ?{? an the
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VERIFICATION
The undersigned verifies that the statements made in the foregoing Complaint are true and
correct based to the best of hid/her knowledge, information and belief and understands the
statements therein made are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to
unsworn falsification to authorities.
L ?,6 , -
Harry A. St sser II
President, Remit Corporation
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
vs. CIVIL-LAW
HARRY L. WILLILAMS, DOCKET NO.
Defendant
AFFIDAVIT OF NON-MILITARY SERVICE
The Defendant is not now in the Military Service, as defined in the Soldier's and
Sailor's Civil Relief Act of 1940 with amendments, not has been in such service within
thirty days hereof.
Dated this /U day of Sit
Laurinda J. V leper, Esquire
Attorney for laintiff
PA ID #82706
Remit Corporation
36 West Main Street
Bloomsburg, PA 17815
Phone: 570-387-1873
Fax: 570-387-6474
, 2011
Request for Military Status
Department of Defense Manpower Data Center
10 Military Status Report
Pursuant to the Service Members Civil Relief Act
Page 1 of 2
Sep-01-2011 05:04:43
?< Last
Name First/Middle Begin Date Active Duty Status Active Duty End Date Service
Agency
WILLIAMS HARRY Based on the information you have furnished, the DMDC does not possess
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, NOAA, Public Health, and Coast
Guard).
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/fag/j2is/PC09SLDR.html. 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.
Request for Military 1-tatus Page 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)(1) 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:JDGPAHSGHO
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION, z
Plaintiff ' _
.Fri
VS. CIVIL-LAW c
--'
--'r
<> r=Y? :'
HARRY L. WILLILAMS, DOCKET NO. 11-7122-CIVIL
Defendant
l?
PLAINTIFF'S ANSWER TO DEFENDANT'S AFFIRMATIVE DEFENSES
COMES NOW, the Plaintiff, by and through its attorney, Laurinda J. Voelcker, Esquire,
and submits the following Answer to Defendant's Affirmative Defenses:
Paragraph 1 states a legal conclusion to which no response is required.
30. Paragraph 30 states a legal conclusion to which no response is required.
31. Paragraph 31 states a legal conclusion to which no response is required.
32. Paragraph 32 states a legal conclusion to which no response is required.
33. Paragraph 33 states a legal conclusion to which no response is required.
34. Paragraph 34 states a legal conclusion to which no response is required.
35. Paragraph 35 states a legal conclusion to which no response is required.
36. Paragraph 36 states a legal conclusion to which no response is required.
37. Paragraph 37 states a legal conclusion to which no response is required.
38. Paragraph 38 states a legal conclusion to which no response is required.
WHEREFORE, Plaintiff respectfully requests this Honorable court to dismiss the Affirmative
Defenses and to grant Plaintiff the relief sought in the Complaint.
Respectfully submitted,
a
Laurinda J. oelcker, Esquire
-4?
Attorne or Plaintiff
PA ID #82706
Remit Corporation
36 West Main Street
Bloomsburg, PA 17815
Phone: 570-387-1873
Fax: 570-387-6474
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COMMONWEALTH OF PENNSYLVANIA COUNTY
REMIT CORPORATION,
Plaintiff
vs.
CIVIL-LAW
HARRY L. WILLILAMS, '
Defendant :DOCKET NO. I 1-7122-CIVIL
CERTIFICATE OF SERVICE
I, Laurinda J. Voelcker, Esquire, do hereby certify that on C/
served a true and correct copy of the Plaintiff s Answer to Defendant'
Defenses upon the Defendant's Attorney b s Affirmative
by U.S. mail, first class, post pre-paid:
Evan C Pappas, Esquire
P.O. Box 88
Harrisburg, PA 17108
Laurinda Voel er, Esquire
Attorney I.D, o.: 82706
Attorney for Plaintiff
Remit Corporation
36 West Main Street
Bloomsburg, PA 17815
Phone: 570-387-1873
Fax: 570-387-6474
Trothonotaly
Offic,�'/y}�n��~y%[>�nv�/
e / the ^'~.'~ ~-'_y
��� �0�t� - County, - —'/''—-
1/ -712Z
ORDER OF TERMINATION OF COURT CASES
--'-o`-~`.
SoCicitor
CIVIL TERM
AND NOW THIS 28mDAY OFOCTOBER, ZO14,AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH
PA R.C.P.230.2.
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY