HomeMy WebLinkAbout04-4556Helene B. Raush
Bar No: 60140
Of Counsel to
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA. 30024
(866) 990-9968 phone
(678) 684-4120 fax
Credigy Receivables Inc.,
Plaintiff,
VS.
Calvin T Fitting,
Defendant.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
TRIAL DIVISION
Civil Action No.: O 4- 9 J 5G
CL A- `1,1
Arbitration Matter
Assessment of Damages Hearing
Not Required
NOTICE
To: Calvin T Fitting
350 Mountainview Rd
Mount Holly Springs, PA 17065-0000
You have been sued in Court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and notice are served by
entering a written appearance personally or by attorney and filing in writing with the court your
defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the
case may proceed without you and a judgment may be entered against you by the court without
further notice for any money claimed in the complaint or for any other claim or relief requested by the
Plaintiff. You may lose money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE
A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Pennsylvania's Lawyer Referral Services can be reached at (717) 240-6200.
Office headquarters are located at 4th Floor, Cumberland County Courthouse,
Carlisle, PA 17013.
***** NOTICE PURUANT TO FAIR DEBT COLLECTION PRACTICES ACT*****
This communication is from a debt collector.
This is an attempt to collect a debt and any information obtained will be used for that
purpose
Usted ha sido demandado en el Tribunal. Si usted desea defender contra Jos reclamos
expuso en las piginas siguientes, usted debe tomar medidas dentro de veinte (20) dfas
despues que esta Queja y la nota son servidas entrando una apariencia escrita personalmente
o por abogado y clasificaci6n a escribir con el tribunal sus defnsas o las objecciones a los
reclamos exponen contra usted. Usted es advertido que si usted falls de hacer asi, el caso
puede avanzar sin usted y un juicio puede ser entrado contra usted pot el tribual sin sota
adicional para cualquier dinero reclamado en la queja o para cualquier otro reclamo o el
alivio solicitados por el Demandante. Usted puede perder dinero o propiedad u otros
derechos importantes a usted.
USTED LE DEBE TOMAR ESTE PAPEL A SU ABOGADO INMEDIATAMENTE. SI
USTED no TIENE a UN ABOGADO ni no PUEDE PROPORCIONAR UNO, IR A ni
TELEFONEAR LA OFICINA EXPUSO DEBAJO DE AVERIGUAR DONDE USTED
PUEDE OBTENER AYUDA LEGAL.
Servicio De Referencia E Informacion Legal (717) 240-6200. 4th Floor,
Cumberland County Courthouse, Carlisle, PA 17013.
***** NOTICE PURUANT TO FAIR DEBT COLLECTION PRACTICES ACT*****
This communication is from a debt collector.
This is an attempt to collect a debt and any information obtained will be used for that
purpose
Helene B. Raush
Bar No: 60140
Of Counsel to
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA. 30024
(866) 990-9968 phone
(678) 684-4120 fax
Credigy Receivables Inc.,
Plaintiff,
vs.
Calvin T Fitting,
Defendant.
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
TRIAL DIVISION
Civil Action No.: 07- 956(- U^4 -f?
Arbitration Matter
Assessment of Damages Hearing
Not Required
COMPLAINT
The Plaintiff asserts the following cause of action against the Defendant:
1. That Credigy Receivables Inc., Plaintiff, was and is, during all times mentioned in
this Complaint, a corporation organized and existing under and by virtue of the laws of the State
of Nevada, having its principal place of business located at 9404 Drew Court Las Vegas, Nevada
89117.
2. That Calvin T Fitting, Defendant, is and was at all times relevant to this case a citizen
and resident of, Cumberland County, Pennsylvania and may be served at 350 Mountainview Rd.
Mount Holly Springs, PA 17065-0000,
3. Defendant entered a written contract (the "Contract") for a credit card account (the
"Account") with the Associates (the "Original Creditor"), specifically account number
4168100020525802 and thereafter assigned the account to First Select, Inc. (the "Prior
Creditor"), An exemplary copy of the Contract is attached hereto as Exhibit "A" and
incorporated herein by reference.
4. Among the terms and conditions of the Contract, Defendant agreed to pay promptly
on rendition of a statement, all charges on the account.
5. Defendant accepted and used the credit card provided by the Original Creditor.
6. The Original Creditor rendered monthly statements of charges to Defendant.
7. The Original Creditor made written demand on Defendant for the balance due and
owing on the account separate and apart from the statements rendered to Defendant, but the
Defendant failed and refused to pay.
8. Defendant agreed in the Contract to pay all reasonable costs of collection, including
reasonable attorney's fees, if Defendant's account was referred to an attorney for collection.
9. The Prior Creditor duly assigned and transferred all of its rights, title and interest in
and to the Account and the Contract, to Plaintiff, and by reason of that assignment, Plaintiff
became, and now is, the holder and owner of the Account and the Contract, as shown on the
Officer's Certificate attesting to the account transfer only attached hereto and incorporated herein
as Exhibit "B."
10. Plaintiff's attorney has notified Defendant as required by the Fair Debt Collection
Practices Act by letter.
FIRST CLAIM FOR RELIEF
(Breach of Contract)
11. The allegations contained in paragraphs 1 through 10 of the Plaintiffs Complaint are
incorporated by reference herein.
12. Plaintiff has performed all conditions precedent to be performed by Plaintiff under the
Contract or the conditions have been satisfied.
13. Defendant has not repaid Plaintiff for credit extended under the Contract and on the
Account.
14. As a result of Defendant's failure and refusal to pay the balance due on the account,
Plaintiff is entitled to a judgment against Defendant in the amount of $1,508.78, that is due with
interest as shown on the Affidavit in Proof of Claim and Non-Military Service attached hereto
and incorporated herein as Exhibit "C."
WHEREFORE, the Plaintiff respectfully requests that the court award the following
relief:
1. Enter a judgment in favor of the Plaintiff and against Defendant in the amount of
$1,508.78 for breach of contract plus interest;
2. Tax the costs of this action against the Defendant;
3. Award to the Plaintiff its reasonable attorneys' fees, costs and expenses incurred in
prosecuting this action; and
4. Grant such other and further relief in favor of the Plaintiff as the court deems just and
appropriate.
SECOND CLAIM FOR RELIEF
(Quantum Meruit or Implied Contract)
15. The allegations contained in paragraphs 1 through 14 of the Plaintiffs Complaint are
incorporated herein by reference.
16. At the specific instance and request of the Defendant, and for its use and benefit, the
Plaintiff, or its predecessor in interest as the case may be, extended credit to the Defendant under
the Contract and on the Account.
17. Despite the Plaintiffs reasonable expectation to be fully paid by the Defendant for the
balance due and owing on the Account, the Defendant has failed to pay the Plaintiff for said
balance.
18. The Defendant incurred said balance on the Account with knowledge or reason to
know that the Plaintiff expected to be fully paid for such credit extended plus interest.
19. The Plaintiff made demand on the Defendant to fully pay the Plaintiff the above-
stated sum, but the Defendant has failed and refused to do so.
20. As a result of the Defendant's failure and refusal to pay the Plaintiff the above-stated
sum for the credit extended, the Defendant has become unjustly enriched in at least the amount
of $1,508.78, at the expense of the Plaintiff.
21. The Plaintiff is therefore entitled to recover from the Defendant in quantum meruit
and/or on the basis of implied contract the sum of credit extended on the Account, plus interest
thereon.
WHEREFORE, the Plaintiff respectfully requests that the court award the following
relief:
1. In the alternative, enter a judgment in favor of the Plaintiff and against Defendant in
the amount of $1,508.78 in quantum meruit, or on implied contract plus interest;
2. Tax the costs of this action against the Defendant;
3. Award to the Plaintiff its reasonable attorneys' fees, costs and expenses incurred in
prosecuting this action; and
4. Grant such other and further relief in favor of the Plaintiff as the court deems just and
appropnate.
51' A Respectfully submitted this%I day of It??° 2E)ON .
A& A /
Helene B. Raush
Bar No: 60140
Of Counsel to
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA. 30024
(866) 990-9968 phone
(678) 684-4120 fax
NOTICE PURUANT TO FAIR DEBT COLLECTION PRACTICES ACT
This communication is from a debt collector. This is an attempt to collect a debt and any
information obtained will be used for that purpose.
VERIFICATION
I hereby state that I am the Assistant Vice President of Plaintiff, that I am authorized to make this
verification on behalf of Plaintiff in the foregoing action, that I have personal knowledge of the
statements made in the foregoing Complaint, and that the statements made in Plaintiffs
Complaint are true and correct to the best of my knowledge, information and belief.
I understand that the statements in this verification are made subject to the penalties of 18
Pa.CS § 4904 relating to unswom falsification to authorities.
CREDIGY RECEIV.
BY:
EXHIBIT A FIRST SELECT
IMPORTANT LEGAL NOTICE
Faders law gives you 30 days afl?you receive this letter to dispute the valid in of the debt orany pan of it If you do not dispute the valid in, of the debt or any part of n
within mat period we will assume that tn- debt is valid- If you dispute the debt 01-am ' pan of it in wntma by mailing is a notice m hat effect on or before the 30a' day
following the date on received this lever- we will obtain and mail to you proof(verifeaion) of debt Ana if within the same period you request in writing the name and
adores, of the original creditor (If quadrant from the current creditor)- We will famish you with that information too. If we do receive a timely written notice all efforts to
celled this deb: will resuspended until we mail any required information to vou.
The purpose of this communication is to collect a debt: any information obtained will be used for collecting the debt.
ACCOUNT AGREEMENT
Your ASSOCIATES account has been transferred to First Select Corporation.
Your ASSOCIATES account was closed in the time arms transfer and will
therefore continue to be closed. This Account Agreement contains the terms that
govern your Firs Select account (me':Account' j. In mss Agreement "you" and
"you'mean each person who is liable for payment on fie Account "We" "due
and "us" mean Firs: Select Corporation or it; assignees. Because your Account
has been transferred to us, You are now obligated to repay the Account to us
instead or-ASSOCI.ATES. If the Account was; opened as ajomt account, we may
act on the instructions of any joint account holder.
Pavments/Finan to Charges: As long as you have a balance outstanding on your
Account, finance charges are calculated as follows.
To figure the finance charges for each billing cycle, wemultiply the average
daily balance periodic rate. The daily periodic rate we apply is your Account
Annual Percentage Rate divided b) 365, The Annual Percentage Rate will be
calculaed as disclose' in your most recent ASSOCIATES account term (the
"Original Terri tryout Original Terms provided for different Annual
Percentage Rate to be applied to different components of your mustarding
balance, we will apply the lowest such Annual Percentage Rate on your entire
outstanding balance.
We may accept are a-panial payments, or payments marked "paid in full" or
marked wim other restrictions. without losses our right to collectall amounts
awing under this Agreement. You may ask First Select Corporation to pay your
Account by debiting your checkine_ orsavinda account. You may revoke you-
authorization by writing to First Select Customer Service
Fees: We will merge your Account a fee for each billing cycle within which
,our Account is delinquent (late charge). The amount of the late charge pill be
a disclosed it your Original Terms arms maximum late charge permitted by the
lawofyeurr state o residence, WheadVisT IS lower
purposes. and to improve customer service and seciarin, telephone calls to or
from our offices may be monitored or recorded.
Credit Reporting: If your mi! to fulfill be terms of Your credit obligation, a
negative credit report reflecting on your credit record may be submitted to a
credit reporting agency. In order to dispute any information we are reporting
about your Account. you must write to us at the following address: First Select
Corporation, 11.0 . Box 9104, Pleasanton, California 94566
Sharing Information: We may share informant, with our affiliates, includins
without limitation, Providian National Bank and Prnvidian Bank. However vou
may write to us at any time instmoting us not to share credit information with our
affiliates.
YOUR BILLING RIGHTS-SEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our
responsibil hies under the Fair Credit Billing AC_
Notify Us in Case of Errors or Questions about Your Bill
If you thinh vourbill is wrong or if you need more information about an entry on
your bill write us, on a separate sheet, at the following address: First Select
Corporation, P.O. Box 9104, Pleasanton, California 94566. Write us as soon as
possible. We must hear from you no leer than 60 days after we sent you the fist
bill or. which the error orprodmat appeared. You can telephone as, but doing se
will notpreserve your rights.
In the letter, givens the following:
-Your name and Account number.
-The dollar amount ofth , suspected error.
-A description ofint error and an explanation. if passible, of why you believe
there is and error. If you need more information describe the item you are not
sure about
We Will Conrad yourACCotmt a fee forcach returned-payment check (reported
check charge). The amount of the returned cheek charge will be as disclosed in
your Original Terms, or the maximum resumes check charge permitted by the
law or your state of residence, whichever is lower,
To the extent provided in your Original Terms and to the extent permitted by
applicable law, in addition to your obligations to pay the outstanding balance on
your Account, plus interest and fees as disclosed herein, we may also charge you
for any collection costs we incur, including but not limited to reasonable
attorney's fees and court costs. If your Original Terms provided for an award of
anomey's fees and court costs, such provision as incorporated herein shall apply
reciprocally to the prevailing parry in any lawsuit arising out of this Agreement.
Non-Waiver of Certain Rights: We may delay or waive enforcement of any
provision of this Agreement without losing our right to enforce it or any other
provision later,
Applicable Law, Severability, Assignment: No matter where you live, this
Agreement and your Account are governed by federal lawand by the law of the
state designated as the applicable law in your Original terms. If your Original
Teens did not contain an applicable law provision, then this Agreement and your
Account are governed by federal lawand the law of your stare of residence. This
Agreement is a final expression of the agreement between you and us and may
not be contradicted by evidence of any alleged oral agreement. If a provision of
this Agreement is held to be invalid or unenforceable, you and we will consider
that provision modified to conform to applicable law, and me rest of the
provision in the Agreement will still be enforceable. We-may-trmsfer-or assign
our right to all or some of your payments. If suit law requires that you receive
notice of such and event to protect the purchaser W the assignee, we may give
you such notice by filing a financing statement with the state's Secretary of
State.
Customer Service: For general questions regarding your First Select account,
please call ourtoll-free service number, 1-888-9242000. For quality assurance
Your Rights and Our Responsibilities After We RedeiveYourR' ritum
Notice
We must acknowledge your I ewe within 30 days, unless we have connected tot
error by than. Within 90 days, we most either contact the error or explain why we
believe the bill was correct. After we receive your later, we cannot try to collect
or report you as delinquent as to any amount you question, including finance
charges. We can apply any unpaid amount against your credit line. You do not
have to pay any questioned amount while we are investigating, but you are still
obligated to pay the parts of the bill that are not in question.
If we find that we have made a mistake on your bill, you will not have to pay any
finance charge related m any questioned amount. If we did not make a mistake,
you may have to pay finance charges, and you will have to make up the missed
payments on the questioned amount In either case, we will send you a statement
of the amount you awe and the date that it is due. If you fail spay the amount
we think you owe, we may report you as delinquent. However, if our explanation
does not satisfy you and you write to us within 10 days telling us that you still
refuse to pay, We must tell anyone we report you to that you question your bill.
And we must tell you the name of anyone we reported you m. We must ledI
anyone we report you to that the matter has been settled between us when it
finally is. If we do not follow these rules, we cannot collect the first $50 of the
questioned amount even if your bill was correct.
Special Rule for Credit Card Purchases
If you have a problem with the quality of goods and services that you purchased
with your ASSOCIATES credit card and you have tried in good faith to correct
the problem with the merchant, you may na have to pay the remaining amount
due on the goods dreamiest. There are two limitations to this right: (a) you most
have made the purchase in your home state or, if not within your homestate,
within 100 miles of your current mailing address: and (b) the purchase price must
have been more than $50. These limitations do not apply if either we or
ASSOCIATES own or operate the merchant, or we or ASSOCIATES mailed you
the advertisement for the property or services.
EXHIBIT B
Officer's Certificate
I, being duly sworn, hereby state and attest that I am a designated officer of
Credigy Receivables Inc. ("Credigy"), a Nevada Corporation and the PURCHASER in
that certain Purchase and Sale Agreement between First Select, Inc. ("First Select"), the
SELLER, dated as of December 27, 2002.
In accordance with the Agreement, First Select sold, assigned and conveyed to
Credigy all right, title and interest in and to the account numbered 4168100020525802
and its unpaid balance. A copy of the Bill of Sale confirming that sale and assignment is
attached hereto as Appendix "A".
FURTHER AFFIANT SAYETH NAUGHT
CREDIGY RECEIV
BY:
Sworn to and subscribed before me this S day of Xni
Kk &A'M J
NOTARY P LIC
aaunu"'nuu„n
p
R
MY COMMISSION EXPIRES: pl T tbrKlu+1 a5' a? AR
y 'Q?tS
EXPIRES
GEORGIA
o FEB. 25. 2005
, Quo
REV. 01 -28-00
4ppendi;: A
BE of Sal-.
Firs', Select. Inc.. for value received and in accordance with the terms of tht Purchase and
Sale F_greement between First Select Inc and Credim Receivables Inc. (`'PTLTP=.SER"j,
dated as of December 2 2002 (the `Agreemen?' j, does hcrebv sell, assign and transfer w
PURCJ-LSSER. its successors and assigns, all right, title and interest in and to the A equired
sets. without recourse and without representation or warrantt_ including without limitation
relating to collectibilit_v; except to the extent o_' ani representations or wa`Tanues expressl_v_ stated
in the Agreement.
r-
rxecuttd on
FIRST SELECT. INC.
,
Title
EXHIBIT C
Affidavit in Proof of Claim and Non-Military Service
BEFORE ME, the undersigned authority, this date personally appeared Affiant
who, being first duly sworn, deposes and says:
That Affiant is an officer for the Plaintiff in the above-styled action.
2. That the Affiant is familiar with the above-styled cause and states that
Affiant has reviewed the business records of the Plaintiff kept in the
normal course of business and makes this statement on personal
knowledge.
Defendant(s) owes Plaintiff a principal sum of $1,508.78, plus interest on
account number 4168100020525802.
4. Defendant(s) has repeatedly failed to pay the sum requested.
5. That all credits and offsets to which the Defendant(s) is entitled have been
given.
6. That to the best of the Affiant's knowledge and belief Defendant(s) in this
action is not in the military service of the United States, and was not in the
military service of the United States at the time of the filing of this action
or at the time of service of process on the Defendant(s).
FURTHER AFFI TH NAUGHT.
;y? t
AF/j ?
Sworn to and subscribed bepitF {MFR °"a S4k day of ?ltgu,g} 00
EXPIRES
GEORGIA
FE 2525,2005 2
G o Notary Publi
f'C BLZ
ryN/y?c?GC o° My commission expires: Ftb(vkrN ?5? aba6
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CUMBERLAND COUNTY COURT OF COMMONS PLEAS TRIAL DIVISION
CREDIGY RECEIVABLES INC
PLAINTIFF / PETITIONER
VS.
CALVIN T FITTING
DEFENDANT/ RESPONDANT
CAUSE #: 04-4556
AFFIDAVIT OF SERVICE OF:
NOTICE AND COMPLAINT; CIVIL COVER SHEET
HEARING DATE:
WITNESS FEE TENDERED:
The undersigned, being first duly sworn, on oath deposes and says: That s(he) is now and at all times herein mentioned, a
citizen of the United States and over the age of 18, not an officer of a plaintiff corporation, not a parry to nor interested in the
above entitled action, and is competent to be a witness rein.
On the date and time of /? - d at the address of Q / i
city 6'f-/,M A d/ , county of
state of A/A j , this affiant served the above described documents upon:
? Personal/ Corporate Service
CALVIN T FITTING
by then and there personally delivering true and correct copy(ies) thereof, by then presenting to and leaving the
same with
Person Receiving Dwuments and Their Relationship
Substituted/Residential Service
CALVIN T FITTING
thereof, by then presenting to and leaving the
by then and there p rsonally delivering / true and correct copy(i9_W-,,ke_
same with J ixJ a person o suitable ag e an lscretlon who state the above address to be the residence anusua place o abode o
themselves and the subject(s) and/or subjects legal representative listed above.
No information was provided that indicates that the subjects served are members of the , S. military.
? ? es
Typed or printed Name o Process Server Server S' ature
Subscribed and Sworn to before me this
a Notary Public in the State of `/ "
Residing at - !424M 62.
Nolarirli Si;
IJnda J. Jumper, Notary PuL*c
cafte 8aror Cumberland COWRY
N* Conrdsdm Expires July 23.2m
MMAW. PwAV4rbAWariationofriorarios
ABC Legal Services, Inc. Stewart & Associates, PC
910 5a' Ave. Seattle, WA 98104 3950 Johns Creek Court'
(206) 521-9000 ORIGINAL -----
TRACKING #: 3516993 Suwanne, GA 30024
1111111111 PROOF OF SERVICE 678684-4100
Page 1 of 1
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Helene B. Raush
Bar No: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA 30024
(866) 990-9968 phone
(678) 684-4975 fax
CREDIGY RECEIVABLES INC., ) CUMBERLAND COUNTY
COURT OF COMMON PLEAS
Plaintiff, )
vs. ) Civil Action No.: 04-4556
CALVIN T FITTING, } PRAECIPE TO ENTER
DEFAULT JUDGMENT
Defendant. )
TO THE PROTHONOTARY:
Enter judgment in favor of Plaintiff, CREDIGY RECEIVABLES INC., and against
Defendant, CALVIN T FITTING, for want of an answer. The amount stated in Plaintiff's initial
pleading consisted of the balance as of the date Plaintiff acquired Defendant's account plus
accrued and unpaid interest through the date of filing of the Complaint. Plaintiff now requests
judgment for the current balance of Defendant's account as follows:
PRINCIPAL AMOUNT $ 952.40
PLUS INTEREST $ 917.83
ATTORNEY FEES $190.48
COSTS $ 0.00
TOTAL $ 2,060.71 (plus additional costs)
POST-JUDGMENT INTEREST AT THE CONTRACT RATE OF 17.24 PERCENT PER ANNUM
COMPOUNDED USING THE AVERAGE DAILY BALANCE METHOD COMPOUNDED
MONTHLY.
I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED
AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM
CERTAIN FROM THE COMPLAINT.
A NOTICE OF PRAECIPE TO ENTER DEFAULT JUDGMENT WAS MAILED TO THE PARTY
AGAINST WHOM JUDGMENT IS TO BE ENTERED AND TO HIS ATTORNEY OF RECORD, IF
ANY, AFTER THE DEFAULT OCCURRED AND AT LEAST TEN (10) DAYS PRIOR TO THE
DATE OF THE FILING OF THIS PRAECIPE, PURSUANT TO Pa.R.C.P. 237.1. A COPY OF THE
NOTICE AND THE CERTIFICATION OF SERVICE ARE TTACHED AS EXHIBIT "A" AND "B."
3&D ARE A-4
Date:
Helene B. Raush
This,, day of 2 , judgment is entered in favor
of CREDIGY RECEIVABLES INC. and against Defendant, CALVIN T FITTING, by default
for want of an answer and damages assessed for the sum listed above as per the above
certification. The court also grants permission to the Plaintiff to contact third parties who have or would
reasonably have knowledge relevant to the collection of this jud t pursu nt to zut § 1692c.
f gril - 160?
Prothonotary
EXHIBIT A-1
Helene B. Raush
Bar No: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA. 30024
(866) 990-9968 phone
(678) 684-4975 fax
CREDIGY RECEIVABLES INC.,
Plaintiff,
VS.
CALVIN T FITTING,
CUMBERLAND COUNTY
COURT OF COMMON PLEAS
Civil Action No.: 04-4556
NOTICE OF PRAECIPE TO ENTER
JUDGMENT BY DEFAULT
Defendant.
TO: CALVIN T FITTING
c/o PHILIP BRIGANIT, Attorney for Defendant
74 W. POMFRET ST,
CARLISLE, PA 17013-0000
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT
YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS
YOU ACT WITHIN TEN (10) 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 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:
Lawyer Referral and Information Service
Lawyer Referral Service
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
DATE: July 03, 2006
/s/ HELENE B. RAUSH
Helene B. Raush
Bar No: 60140
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICE ACT
This communication is from a debt collector. This is an attempt to collect a debt and any information
obtained will be used for that purpose.
EXHIBIT A-2
Helene B. Raush
Bar No: 60140
Stewart & Associates, P.C.
P.O. Box 2629
Suwanee, GA. 30024
(866) 990-9968 phone
(678) 684-4975 fax
CREDIGY RECEIVABLES INC., ) CUMBERLAND COUNTY
COURT OF COMMON PLEAS
Plaintiff, )
VS. ) Civil Action No.: 04-4556
CALVIN T FITTING, ) NOTICE OF PRAECIPE TO ENTER
1 JUDGMENT BY DEFAULT
Defendant.
TO: CALVIN T FITTING
c/o PHILIP BRIGANIT, Attorney for Defendant
74 W. POMFRET ST,
CARLISLE, PA 17013-0000
AVISO IMPORTANTE
Usted eata en rebeldia porque ha fallado en tomar la accion exigida de su parte en
este case. A menos de que usted actue dentro de diez dias de la fecha de este aviso, as puede
regis-trar uns sentica contra usted, si el beneficio de una audiencia y puede perder su
propiedad o derechos importantes. Usted debe llevar este aviso a un abogado enseguida. Si
usted no tiene un abogado y no puede pagar por los servicios de un abogado, debe
communicarse con la siguiente oficina para averiguar donde puede obtener ayuda legal:
SERVICIO DE REFERENCIA LEGAL
Lawyer Referral Service
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 240-6200
FECHA DEL AVISO: July 03.2006 /s/ HELENE B. RAUSH
Helene B. Raush
Bar No: 60140
NOTICE PURSUANT TO FAIR DEBT COLLECTION PRACTICE ACT
This communication is from a debt collector. This is an attempt to collect a debt and any
information obtained will be used for that purpose.
EXHIBIT B
AFFIDAVIT OF DEFAULT, CERTIFICATION OF NOTICE OF PRAECIPE TO ENTER
DEFAULT JUDGMENT, AND NON-MILITARY SERVICE.
STATE OF GEORGIA
COUNTY OF FORSYTH
Lisa McGraw, first being duly sworn, deposes and says:
1. That Affiant, Lisa McGraw, is duly authorized to execute this affidavit on behalf
of the Plaintiff.
2. The Affiant makes this statement based upon the Affiant's review of the business
records of Plaintiff kept in the normal course of business and/or the records of the
United States Department of Defense Manpower Data Center, located on the
internet at https://www.dmdc.osd.mil/scra/owa/scra.home. Attached hereto is an
Account Monthly Balance Statement for the Defendant.
3. Defendant has failed to answer or appear in the above referenced matter.
4. Defendant is not in the military service of the United States. Attached hereto is a
Military Status Report for Defendant.
On July 03, 2006 a copy of the Notice of Praecipe to Enter Judgment of Default
was served by regular mail upon the Defendant, CALVIN T FITTING, c/o Philip
Briganit.
FURTHE FFIANT SAYETH NAUGHT.
X sa McGraw, Affiant
Sworn to the subscribed
r
Before me this , j 7 day of ' t,
---- \pnuuuurm
_-- °\\\\?.?r` AID
Notary Public, State of Georgia rGR My commission expires:
n
Department of Defense Manpower Data Center FEB-13-2007 10:16:27
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
-<Last Name First/Middle Begin Date IActive Duty Status I Service/Agency
FITTING CALVIN T Based on the information you have furnished, the DMDC does not possess any information
indicating that the individual is currently on active duty.
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 Military.
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 Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act [50 USCS Appx.
#167;#167; 501 et seq] (SCRA) (formerly 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 active duty status by contacting that
person's Military Service via the "defenselink.mil" URL provided below. If you have evidence the person is on active-
duty and you fail to obtain this additional Military Service verification, provisions of the SCRA may be invoked against
you.
If you obtain further 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 current active duty status only. For historical information, please contact the Military Service
SCRA points-of-contact.
See: http//www.defenselink.mil/faa/pis/PC09SLDR.html
WARNING: This certificate was provided based on a name and Social Security number (SSN) provided by the requester.
Providing an erroneous name or SSN will cause an erroneous certificate to be provided.
Report ID: BTEEPTFJAGZ
ACCOUNT MONTHL Y BALANCE STATEMENT
SUMMARY
AccountID 10190630 Charge off Balance 952.40
Account Provider First Select, Inc. Current Balance 1,8 70.23
Product Associates Open Date 08/02/2000
Product Type Credit Card Charge Off Date 09/ 23/2001
Account Number# 4168-1000-2052-5802 Last Payment Date 02/ 15/2005
Account Original I+D# 4621-2010.2381-6049 Customer Name CALVIN T FITTING
APR 17.240% Report Date 02/14/2007
STATEMENT
PERIOD: 09/23/2001 To 09/3012001
Total Principal Interest Expenses
BEGINNING BALANCE 1952.40 1952.40 10.00 10.00
I Total (Principal Interest (Expenses 1
ENDING BALANCE 1955.55 1952.40 3.15 10.00
PERIOD: 10/01/2001 To 10/31/2001 1
Total Principal Interest [Expenses
BEGINNING BALANCE 1955.55 1952.40 13.15 10.00
Total Principal Interest (Expenses l
ENDING BALANCE 1969.54 1952.40 117.14 10.00
PERIOD: 1.1/01/2001 To 11/30/2001 1
Total (Principal Interest - Expenses
BEGINNING BALANCE 1969.54 ( 952.40 117.14 - 10.00
Total Principal Interest Expenses
ENDING BALANCE 1983.28 1952.40 130.88 10.00
PERIOD. 12/01/2001 To 12/31/2001-
.
Total Principal Interest Expenses
BEGINNING BALANCE 1983.28 1952.40- 130.88 10.00
(Total Principal Interest Expenses
ENDING BALANCE 1 997.68 1952.40 1 45.28 10.00
PERIOD: 01/01/2002 To 01/31/2002
1
Total Principal Interest Expenses J
BEGINNING BALANCE 1997.68 1952.40 145.28 10.00
(Total F. Principal Expenses
,E'NDING' BALANCE 1,012.28 952.40 159.88 10.00
PERIOD: 02/01/2002 To 02/28/2002 1
Total iPrincipal Interest }Expenses
BEGINNING BALANCE 1 1,012.28 1952.40 59.88 ( 0.00
ITotal [Principal Interest Expenses'
ENDING BALANCE 11,025.67 1952.40 173.27 10.00
PERIOD: 03/01/2002 To 03/31/2002
I Total Principal [Interest Expenses
BEGINNING BALANCE ( 1,025.67 19S2.40
1 73.27
10.00
ITotal Principal Interest Expenses
ENDING BALANCE 11,040.69 1952.40 188.29 10.00
PERIOD: 04/0112002 To 04/30/2002 1
1 Total Principal Interest Expenses
BEGINNING BALANCE 11,040.69, 1952.40 188.29 10.00
ITotal Principal Interest Expenses
ENDING BALANCE 1 1,055.44 ` 1952.40 J 1103.04 10.00
PERIOD: 05/01/2002 To 05131,/2002
Total Principal Interest Expenses
BEGINNING BALANCE 11,055.44 1952.40 1103.04 10.00
I Total Principal Interest Expenses
ENDING BALANCE 11,070.89 1952.40 1118.49 10.00
f PERIOD: 06/01/2002 To 06/30/2002 1
Total Principal Interest Expenses
BEGINNING BALANCE 11,070.89 1952.40 1118.49 10.00
Total Principal Interest Expenses
ENDING BALANCE 1 1,086.06 1952.40 1 133.66 ( 0.00
PERIOD: 07/01/2002 To 07/31/2002"
Total Principal
Interest 1
Expenses
BEGINNING BALANCE 11,085.06 1952.40 1`133.66 10.00
Total Principal Interest 11 Expenses
.ENDINGG' BALANCE
BEGINNING BALANCE
ENDING BALANCE
BEGINNING BALANCE
ENDING BALANCE
BEGINNING BALANCE
ENDING BALANCE
BEGINNING BALANCE
11,101.97 1952.40
PERIOD: 08101/2002 To 08/31/2002
Total Principal
11,101,97 952.40
Total Principal
1,118.10 1952.40
PERIOD: 09101/2002 To 09/30/2002
Total Principal
-
11,118.10 1952.40
1 149.57 10.00
Interest Expenses
149.57 0.00
Interest Expenses
165.70 10.00
Interest Expenses
1 165.70 10.00
Total Principal, Interest Expenses
11,133.95 ? 952.40 181.55 10.00
PERIOD:
Total 10/01/2002 To 10/31/2002
Principal
Interest
Expenses
11,133.95 952.40 181.55 10.00
Total - [Principal Interest Expenses
1,150.55 1 952.40 1198.15 10.00
PERIOD:
Total 11/01/2002 To 11/30/2002
Principal
Interest
[Expenses
11,150.55 1952.40 1198.15 1 `0.00
Total Principal Interest
ENDING BALANCE 11,166.85 1952.40 1214.45
PERIOD: 12/01/2002 To 12/3112002
(Total Principal Interest
BEGINNING BALANCE 11,166.85 1952.40 1214.45
RExpenses
10.00
rr1
FExpenses
10.00
Total Principal Interest Expenses
ENDING BALANCE 11,183.94 1952.40 1231.54 10.00
PERIOD: 01/01/2003 To 01/31/2003
Total Principal
[Interest 1
Expenses
BEGINNING BALANCE 11,183.94 1952.40 1231.54 10.00
`-Total Principal Interest [Expenses
.ENDING BALANCE 1,201.27 1 952.40 248.87 10.00
PERIOD: 02/01./2003 To 02/28/2003
S?Total Principal tiInterest Expenses
BEGINNING BALANCE 1,201.27 952.40 248.87 0.00
ITotal [Princ'ipal' Interest Expenses
ENDING BALANCE 11,217.16 1952.40 1264.76 10.00
PERIOD: 03/01/2003 To 03/31/2003
Total Principal Interest Expenses
BEGINNING BALANCE 11,217.16 1952,40 1264.76 10.00
Total Principal Interest Expenses
E'N'DING BALANCE 11,234.98 1952.40 1282.58 1 0.00
PERIOD: 04/01/2003 To 04/30/2003
ITotal Principal Interest Expenses
BEGINNING BALANCE 11,234.98 1952.40 1282.58 10;00
Total Principal' Interest Expenses 1
ENDING BALANCE 1 1,252.48" 1952.40 1 300.08° 10.00
PERIOD: 05/01/2003 To 05/3112003
ITotal Principal Interest Expenses
BEGINNING BALANCE 11,2S2.48 1952.40 1300.08 10,00
Total Principal Interest Expenses
ENDING BALANCE 11;270.82 1952.40 1318.42 10.00
PERIOD: 06/01/2003 To 06/30/2003
Total Principal Interest [Expenses
BEGINNING' BALANCE 11,270.82 1952.40 1318.42 10.00
Total Principal Interest Expenses
ENDING BALANCE 11,288.83 1952.40 1336.43 10.00
PERIOD: 07/01/2003 To 07/31/2003 1
[Total Principal (Interest Expenses 1
BEGINNING BALANCE 11,288.83'- 1952.40 1336.43 10.00
N, F
Total Principal Interest Expenses
,E'NDING' BALANCE
BEGINNING BALANCE
1 1,307.70 1 952.40355.30 10.00
PERIOD: 08/01/2003 To 08/31/2003
Total Principal Interest Expenses
1,307.70 1952.40 1 355.30 1 0.00
[Total
ENDING BALANCE 11,326.85
'Principal Interest Expenses
1952.40 374.45 10.00
PERIOD; 09101/2003 To 09/30/2003
ITotal Principal [Interest [Expenses
BEGINNING BALANCE 11,326.85 1952.40 1374.45 10.00
ENDING BALANCE
BEGINNING BALANCE
ENDING BALANCE
BEGINNING BALANCE
ENDING BALANCE
I BEGINNING BALANCE
ENDING BALANCE
TotalPrincipal Interest 'Expenses
11,345.65 1952.40 1393.25 10.00
PERIOD: 10/01/2003 To 10/31/2003
ITotal [Principal Interest Expenses
1 1,345.65 1952.40 1393.25 10.00
Total - Principal Interest Expenses
`
1 1,365.35 1952.40 1412.95 10.00
PERIOD. 11/0112003 To 11/30/2003
[Total (Principal Interest Expenses
11,365.35 1952.40 1412,95 10.00
Total -_Principal Interest Expenses
1 1,384.70 1952.40 1432.30 10.00
PERIOD: 12/01/2003 To 12/31/2003 1
1Total [Principal (Interest Expenses
11,384.70 1952.40 ,. 1432.30 10.00
ITotal Principal
1 1,404.97 1952.40
PERIOD: 01/01/2004 To 01/31/2004
Total Principal
BEGINNING BALANCE 11,404.97 1952.40
Interest Expenses
1452.57 1 0.00
Interest Expenses
1452.57 10.00
T
Total Principal Interest Expenses
,E'NDING' BALANCE 11,425:54 1952.40 1473.14 10.00
PERIOD: 02/01/2004 To 02/29/2004
Total Principal
BEGINNING' BALANCE 11,425.54 1952.40
ITotal Principal
ENDING BALANCE 11,445.07 1952.40
PERIOD: ,03101/2004 To 03/31/2004
Total Principal
BEGINNING' BALANCE ? 1,445.07 ? 952.40
I ENDING' BALANCE
BEGINNING BALANCE
ENDING BALANCE
BEGINNING BALANCE
ENDING BALANCE
BEGINNING BALANCE
ENDING' BALANCE
Total Principal
11,466.23 1952.40
InterestExpenses
1513.83 10.00
PERIOD: 04/01/2004 To 04/30/2004
Total Principal
Interest
[Expenses
1,466.23 1952.40 1513.83 10.00
ITotal Principal - Interest [Expenses
1,487.01 1952.40 1534.61 10.00
PERIOD: 05/01/2004 To 05/31/2004
Total Principal
Interest
[Expenses 1
11,487,01 1952.40 1534.61 10.00
ITotal Principal Interest [Expenses
11,508.78 1 952.40 1556.38 1 0.00
PERIOD, 06/01/2004 To 05/30/2004
Total Principal
Interest
[Expenses {
11,508.78 1952.40 1556.38` 1 0.00
ITotal Principal Interest Expenses'
11,530.16 1952.40 ` 1577.76 10.00
PERIOD: 07/01/2004 To 07/31/2004
ITotal Principal Interest Expenses
BEGINNING BALANCE 1`1,530.16 1952.40 1577:76 10.00
;Interest Expenses
473.14 1 0.00
Interest Expenses
1492.67 1 0.00
I
Interest [Expenses
E 492:67 10.00
Transactions
Amount' Transaction Date
55.50 07/29/2004
100.00 07/29/2004
100.00 07/29/2004
1 Total
ENDING 'BALANCE 1 1,608.14
Type
Legal Expenses
1 Legal Expenses
Legal Expense Reversal
Principal
1952.40
Interest Expenses
1600.24 1 55:50
PERIOD: 08/01/2004 To 08/31/2004
ITotal Principal Interest [Expenses
BEGINNING BALANCE 11,608.14 1952.40 1600.24 155.50
Total [Principal Interest Expenses
ENDING BALANCE 1 1,631.69 1952.40 1623,79 1 55.50
PERIOD: 09/01/ 2004 To 09/30/2004
Total Principal Interest Expenses
BEGINNING` BALANCE 11,631.69 1952.40 1623.79 155.50
Total Principal interest - - Expenses
ENDING BALANCE, 11,654.81 1952.40 1646.91 155.50
PERIOD: 10/011. 2004 To 10/31/2004
Total [Principal Interest [Expenses
BEGINNING BALANCE (1,554.81 1952.40 1646.91 155.50
Total Principal Interest Expenses
ENDING BALANCE 11,679.04 1952.40 1671.14 155.50
PERIOD, 11/01/ 2004, To 11/30/2004
Total Principal Interest Expenses
BEGINNING BALANCE 11,679.04 1952.40 1671.14 155,50
Transactions
Amount (Transaction Date (Type
140.00 111/30/2004 ( Payment, Without Plan
Total' Principal (Interest Expenses
ENDING BALANCE 11,562.76 1952.40 1610.36 10.00
PERIOD: 12/01/ 2004 To 12/31/2004 1
1 Total Principal Interest Expenses
BEGIUKING BALANCE 11,562.76
ENDING BALANCE
Total
11,585.65
952.40 1 610.36 10.00;
Principal Interest Expenses
1952.40 1633.25 0100
PERIOD::' 01101/2005 To 01/31/2005
Total Principal (Interest Expenses
11,585.65 1952.40 1633.25 10.00
I BEGINNING BALANCE
Transactions
Amount Transaction Date Type
140.00 101/06/2005 Payment Without Plan
ENDING BALANCE
Total Principal Interest Expenses
11,467.15 952,40514.75 10.00
PERIOD: 02101,/2005 To 02/28/2005,
ITotal [PrincipalInterest
BEGINNING BALANCE 11,467.15 1952.40 1514.75
Transactions
Amount
l 140.00
(Transaction Date -[Type
102/15/2005 k Payment Without Plan
l
[Expenses
I 0.00
ITotal Principal Interest Expenses
ENDING BALANCE 11,345.62 1952.40 1393.22 10.00
PERIOD: 03/0112005 To 03131/2005
Total Principal Interest (Expenses {
BEGINNING BALANCE 11,345.62 1952.40 1393.22 10.00
ENDING BALANCE
BEGINNING BALANCE
Total Principal
11,365.33 1952.40
PERIOD: 04/03/2005 To 04/30/2005
ITotal (Principal
1 1,365.33 1952.40
interest Expenses
1412.93 10.00
Interest 'Expenses
1 412.93 10.00
,Total Principal .:Interest Expenses
ENDING BALANCE 11,384.67 1952.40 1432.27 10.00
BEGINNING BALANCE
PERIOD: 05/01/2005 To 05/31/2005
"Total Principal
L
1,384.67 952.40
i
Interest Expenses
432.27 0.00
(Total (Principal
ENDING BALANCE' 11,404.95 1952.40
PERIOD: 06/01/2005 To 06/30/2005
Total ('Principal
BEGINNING BALANCE 11,404.95 1952.40
ENDING BALANCE
BEGINNING BALANCE
Interest Expenses
1452.55 1 0.00
[Interest Expenses
1452.55 ' 0.00
ITotal Principal Interest Expenses
11,424.85 ? 952.40 1472.45 10.00
PERIOD: 07/01/2005 To 07/31/2005
ITotal Principal 11 Interest Expenses
1 1,424.85 1952.40 1472.45 10.00
Total [Principal Interest Expenses
ENDING BALANCE 11,445.72 1952.40 1493.32 10.00
PERIOD: 08/01/2005 To 08/31/2005
1 Total Principal Interest Expenses j
BEGINNING BALANCE 11,445.72 1952.40 149332 10.00
Total ['Principal Interest Expenses
ENDING BALANCE 11,466.89 1952.40 1514.49
`
10.00
PERIOD: 09/0112005 To 09/30/2005
Total Principal Interest Expenses
<BEGINN'ING BALANCE 11,466.89 1952.40 1514.49 10.00
ITotal 11 Principal Interest Expenses
ENDING BALANCE 11,487.67 1 952.40 1535.27 10.00
PERIOD: 10/01/2005 To 10/31/2005
Total [Principal Interest Expenses
BEGINNING BALANCE 11,487.67 1952.40 1535.27 10.00
Total Principal [Interest Expenses
ENDING BALANCE' 1 1,509.45 1 952.40 1557.05 1 0.00
I
PERIOD: 11/01/2005 To 11/30/2005
i'Total Principal
BEGINNING BALANCE 11,509.45 952.40
ENDING BALANCE
I BEGINNING BALANCE
Interest
557.05
1
3Expenses
0.00
.Total (Principal Interest Expenses
1 1,530.84 1952.40 1 578.44 10.00
PERIOD: 12/011200`5 To 12/31/2005
Total, (Principal Interest Expenses
1,530.84 1 952.40 1 578.44 10.00
(Total 11, Principal (Interest Expenses
ENDING BALANCE 11,553.26 1952.40 1600.86 10.00
PERIOD: 01/01/2006 To 01/31/2006
Total Pri ncipal Interest Expenses
BEGINNING 'BALA'NCE 11,553.26 1952.40 1600.86 10.00
ENDING BALANCE
I BEGINNING BALANCE
ENDING BALANCE
I'll
BEGINNING BALANCE
ENDING BALANCE
I BEGINNING BALANCE
ITotal [Principal Interest Expenses
11,576.00 1952.40 1623.60 10.00
PERIOD: 02/0`112006 To 02/28/2005 1
Total Principal Interest Expenses
11,576.00 1952.40 1523.60 10.00
[Total Principal Interest Expenses
11,596.84 1 952.40 1 644.44 10.00
PERIOD: 03/0112006 To 03/31/2006
Total [Principal .Interest [Expenses
11,596.84 1952.40 1644.44 10.00
ITotal Principal Interest Expenses
1 1,620.23. 1952.40 1667.83 10.00
PERIOD: 04/01/2005 To 04/30/2006
Total [Principal
Interest
[Expenses
1 1,620.23 1952.40 1 667.83 1 0.00
[Total [Principal ;Interest Expenses
ENDING BALANCE 11,643.18 1952.40 1690.78 10.00
PERIOD: 05/01/2006 To 05/31/2006
eTotal Principal
BEGINNING BALANCE 11,643.18 1952.40
ENDING BALANCE
I BEGINNING BALANCE
I Total 'Principal
11,667.24 1952.40
PERIOD: 06/01/2006 To 06/30/2006
Total (Principal
1,667.24 1 952.40
[Interest Expenses
690.78 0.00
Interest Expenses
1714.84 10.00
interest [Expenses
1714.84 10.00
[Total Principal Interest Expenses
ENDING BALANCE 11,690.87 1952.40 1738.47 10.00
PERIOD: 07/01/2006 To 07/31/2006
Total (Principal Interest Expenses
BEGINNING BALANCE 11,690.87 1952.40 1 738.47 10.00
(Total Principal Interest Expenses I
ENDING BALANCE 11,715.63 1952.40 1763.23 10.00 "
PERIOD: 08/01/2006 To 08/31/2006
TotalPrincipal Interest Expenses
BEGINNING BALANCE 11,715.63 1952.40 176123 10.00
ENDING BALANCE
I BEGINNING BALANCE
(Total Principal
11,740.75 1 952.40
PERIOD: 09/01/2006 To 09/30/2006
Total (Principal
1 1,740.75 1952.40
Total Principal
ENDING BALANCE 11,765.41 1952.40
PERIOD: 10/01/2006 To 10/3112006
ITotal Principal
BEGINNING BALANCE 11,765.41 1952.40
ITotal Principal
ENDING BALANCE' 11,791.26 1952.40
Interest Expenses
1 788.35 10.00
Interest Expenses
178&35 10.00
Interest
1813.01
Interest
1 813.01
Interest
838.86
(Expenses
10.00
Expenses
10.00
Expenses
0.00
BEGINNING BALANCE
PERIOD: 11/01/2006 To 11/30/2006 1
Total 'Principal Interest Expenses
1 1,791.26 952.40.838.86 0.00
ITotal Principal
ENDING BALANCE 11,816.64 1952.40
PERIOD: 12/01/2006 To 12/31/2006
Total Principal
BEGINNING BALANCE 11,816.64 1952.40
Interest [Expenses
1864.24 10.00
Interest Expenses
1864.24 0.00
ITotal Principal Interest Expenses
ENDING BALANCE ( 1,843.24 952.40 890.84 1 0.00
PERIOD: 01101/2007 To 01/31/2007
ITotal Principal Interest [Expenses
BEGINNING BALANCE 11,843.24 1952.40 1890.84 10.00
[Total Principal Interest Expenses
ENDING BALANCE 11,870.23 1952.40 1917.83 1 0.00
A
-t
- s. i
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
PENNSYLVANIA
NOTICE OF ORDER, DECREE OR JUDGMENT
Prothonotary-Rule236
Plaintiff(s) Case Number 04-4556
CREDIGY RECEIVABLES INC. 2004 - 09
2877 Paradise Road, Suite 303
Las Vegas, Nevada 89109
Vs
Defendant(s)
CALVIN T FITTING
c/o PHILIP BRIGANIT
ATTORNEY FOR DEFENDANT
74 W. POMFRET ST.
To? Plaintiff FX1 Defendant ? Garnishee ? Additional Defendant
You are hereby notified that the following Carder, Decree or Judgment has been entered against you
on
0 Decree Nisi in Equity.
Final Decree in Equity.
X Judgment of confession= verdict= Court Order?X Default= Non-Suit
Q Non-Pros 0 Arbitration Award
Fx]Judgrnent in the amount of $2„060.71 . plus costs.
Q District Justice Transcript of judgment in the amount of $ plus costs.
? If not satisfied with sixty (60) days, your motor vehicle operators license will be suspended by the
Pennsylvania Department of Transportation.
BMW-
If you have any questions concerning the above, please contact :
Name/AddreswTelephone Number of (Attorney/FilingParty )
Helene B. Raush, Bar No. 60140
P.O. Box 2629 Suwanee, GA 30024
(866) 990-9968