HomeMy WebLinkAbout11-9412COMMONWEALTH OF PENNS
COURT OF COMMON PLEAS
Judicial District, County Of C, V 1t1'11wL'4N_6
NOTICE OF APPEAL
FROM
DISTRICT JUSTICE JUDGMENT
COMMON PLEAS No. // -?
NOTICE OF APPEAL
Notice is given that the appellant has filed in thabove Court of Common Pleas an appeal from the judgment rendered by the District Justice on
the date and in the case referenced below.
NAME OF PELLMIT MI1G. DIST. NO. NAME OF D.J.
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ADDRESS OF APPELLANT
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DOCKET No. SIGNATURE OF APPELLANT TTORNEY OR AGENT
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This block will be signed ONLY when this tion is required under Pa. If appellant was CI nt (see Pa. R.C.P.D.J. No. 1001(6) in action
R.C.P.D.J. No. 1008B.
This Notice of Appeal, when received by the Dis ict Justice, wiff operate as a before a District Justice, A COMPLAINT MUST BE FILED within twenty
SUPERSEDEAS to the judgment for possession in this case.
(20) days after filing the NOTICE of APPEAL.
Swoft" of ery or Dep*
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section of form to be used ONLY whe appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before District Justice. IF
NOT USED, detach from copy of notice of appeal to be served upon appellee.
PRAECIPE: To Prothonotary
Enter rule upon
(Common Pleas No.
Name of app "(S)
appellee(s), to file a complaint in this appeal
) within twenty (20) days after service of rule or suffer entry of judgment of non pros.
Signature ofappeNant orehbmeyoregent
RULE: To
, appellee(s)
(1) You are notified that a rule is here entered upon you to file a complaint in this appeal within twenty (20) days after the date of service
of this rule upon you by personal service or by certified or registered mail.
(2) If you do not file a complaint within this time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU.
(3) The date of service of this rule if service was by mail is the date of the mailing.
Date:
,20
Qgrm ure or rromanaary or uepuy
YOU MUST INCLUDE A COPY OF THE NOTICE OF JUDGMENT/TRANSCRIPT FORM WITH THIS NOTICE OF APPEAL.
i
AOPC 312-02
WHITE - COURT FILE TO BE FILED WITH PROTHONOTARY GREEN - COURT FILE YELLOW - APPELLANTS COPY
PINK -COPY TO BE SERVED ON APPELLEE GOLD -COPY TO BE SERVED ON DISTRICT JUSTICE
5"
PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT
(This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ; ss
AFFIDAVIT. I hereby (swear) (affirm) that I served
? a copy of the Notice of Appeal, Common Pleas , upon the District Justice designated therein on
(date of service) 20 , ? by personal service ? by (certified) (registered) mail,
sender's receipt attached hereto, and upon the appellee, (name) , on
,20 ? by personal service ? by (certified) (registered) mail,
sender's receipt attached hereto.
(SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME
THIS DAY OF .20
Signature of affiant
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COMMONWEALTH OF PENNSYLVANIA Notice of Judgment/Transcript Civil
COUNTY OF CUMBERLAND Case
Mag. Dist. No: MDJ-09-3-03
MDJ Name: Honorable Susan K. Day
Address: 229 Mill Street
P.O. Box 167
Mount Holly Springs, PA 17065
Telephone: 717-486-7672
Larry Lee Walters
V.
Citi Financial - Attn: Kimberly Rodgers
Larry Lee Walters Docket No: MJ-09303-CV-0000281-2011
50 Polecat Road Case Filed: 10/6/2011
Landisburg, PA 17040
Disposition Summary Docket No Plaintiff Defendant Dis osn ition Disposition Date
MJ-09303-CV-0000281-2011 Larry Lee Walto i rs Citi Financial - Attn: Kimberly Judgment for Defendant 11/29/2011
Rodgers
ANY PARTY HAS THE RIGHT TO APPE?4L WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH
THE PROTHONOTARY/CLERK OF COURT ,,OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF
JUDGMENTITRANSCRIPT FORM WITH YOU NOTICE OF APPEAL.
EXCEPT AS OTHERWISE PROVIDED I THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT
HOLDER ELECTS TO ENTER THE JUDGM NT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE
COURT OF COMMON PLEAS AND NO FURT ER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE.
UNLESS THE JUDGMENT IS ENTERE IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A
REQUEST FOR ENTRY OF SATISFACTION ITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES,
OR OTHERWISE COMPLIES WITH THE JUD MENT.
Date
Magisterial District Judge Susan K. Day
^a3 `
certify that this is a true an correct copy o e record o the proceedings containing the judgment.
D?te Magisterial District Judge Susan K. Day
MDJS 315 Page 1 of 2 Printed: 11/3012011 8:39:59AM
% .
Larry Lee Walters
V.
Citi Financial - Attn: Kimberly Rodgers
Participant List
Plaintiff(s)
Larry Lee Walters
50 Polecat Road
Landisburg, PA 17040
Defendant(s)
Citi Financial - Attn: Kimberly Rodgers
950 Walnut Bottom Rd
Carlisle, PA 17015
Docket No.: MJ-09303-CV-0000281-2011
MDJS 315 Page 2 of 2 Printed: 11/30/2011 8:39:59AM
F1ILEO-OEf tC t
UE THE PROTHONOTARY`
2012 JAN -3 FM 1: 13
CUMBERLAND COUNTY
PENNSYLVANIA
f PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT
(This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER filing of the notice of appeal. Check applicable boxes.)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF 4 eai eij/,.> ; ss
AFFIDAVIT: I hereby (swear) (affirm) that I served
? a copy of the Notice of Appeal, Common Pleas upon the District Justice designated therein on
(date of service) ' N 20?, ? by personal serviceVb/yy (certified) (registered) mail,
sender's receipt attached hereto, and upon the appellee, (name) on
3 it'd 20? L3 by personal service a ,by (certified) (registered) mail,
sender's receipt attached hereto.
(SWORN) FFIRMED) AND UBSCRIBED BEFORE ME
THIS DAY OF ) ???? ?? -? . 20 I ?.
Signature of official before whom affidavit was made
Title of official
My commission expires on
20
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BALLARD SPAHR LLP
By: Martin C. Bryce, Jr., Pa. ID. No. 59409
Daniel JT McKenna, Pa. ID. No. 93930
Jeffrey B. Goldberg, Pa. ID. No. 309672
1735 Market. Street, 51st Floor
Philadelphia, Pennsylvania 19103-7599
Telephone: 215.665.8500
Facsimile: 215.864.8999
Larry Walters,
Plaintiff, : No. 11-9412
V.
Citifinancial,
Defendant.
ENTRY OF APPEARANCES
TO: PROTHONOTARY OF CUMBERLAND COUNTY
Kindly enter our appearances on behalf of Defendant, Citifinancial, in the above-
captioned case.
Date: March 23, 2012
1 (t.l I ?, r r?,?
Attorneys for Defeats t1 { C; l p T? r<.
AN 9* 1",
''"'I3Er",LA D C0UI'3TY
PENNSYLVANIA
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Martin C. Bryce, Jr., Pa. ID No. 59409
Daniel JT McKenna, Pa. ID. No. 93930
Jeffrey B. Goldberg, Pa. ID. No. 309672
Ballard Spahr LLP
1735 Market Street, 51st Floor
Philadelphia, PA 19103
Telephone: 215.665.8500
Facsimile: 215.864.8999
Counsel for Defendant Citifinancial
CERTIFICATE OF SERVICE
I hereby certify that on March 23, 2012, a true and correct copy of the foregoing Entry of
Appearances was served by U.S. mail on the following:
Larry Walters
50 Polecat Rd.
Landisburg, PA 17040
Defendant
Dated: March 23, 2012
Jeffrey B. Goldberg
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BALLARD SPAHR LLP
By: Martin C. Bryce, Jr., Pa. ID. No. 59409
Daniel JT McKenna, Pa. ID. No. 93930
Jeffrey B. Goldberg, Pa. ID. No. 309672
1735 Market Street, 51 st Floor
Philadelphia., Pennsylvania 19103-7599
Telephone: 215.665.8500
Facsimile: 215.864.8999
Attorneys for Defendant CitiFinancial, Inc.
NOTICE TO PLEAD
TO: PLAINTIFF LARRY WALTERS:
You are hereby notified to file a written
response to the enclosed Preliminary
Objections within twenty (20) days from
service hereof or judgment may be entered
against you.
Attorneys for Defendant CitiFinancial, Inc.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Larry Walters,
Plaintiff,
V.
CitiFinancial, Inc.
Defendant.
No. 11-9412
,-,...
PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT
Pursuant to Pennsylvania Rule of Civil Procedure 1028, Defendant CitiFinancial,
Inc. ("Citi"), improperly identified as "Citifinancial," by and through its undersigned counsel,
hereby files the following Preliminary Objections to the Complaint of Plaintiff Larry Walters
("Plaintiff'). For the reasons set forth below, Plaintiff's Complaint should be dismissed with
prejudice.
I. FACTUAL AND PROCEDURAL BACKGROUND
On October 6, 2011, Plaintiff filed a Complaint against Citi in the
Magisterial District Court of Cumberland County, Pennsylvania.
2. Following a hearing on November 29, 2011, the Honorable Susan K. Day
entered a judgment for Defendant. A true and correct copy of the judgment is attached hereto as
Exhibit A.
3. On December 27, 2011, Plaintiff filed a Notice of Appeal in the Court of
Common Pleas of Cumberland County. A true and correct copy of Plaintiff's Notice of Appeal
is attached hereto as Exhibit B.
4. Thereafter, on February 27, 2012, Plaintiff filed a five paragraph
Complaint against Citi. 1 A true and correct copy of Plaintiffs Complaint is attached hereto as
Exhibit C.
5. Besides identifying the parties, Plaintiff alleges only that "During the 29
Nov 2011 trial the Defendant failed [to] show credit for double payments of APR, MAY + JUL
2011 [and] the Defendant assured Judge Day that the account was credited + current. * * *
Plaintiff assumed testimony of proper credit to mean APR, MAY, JUNE +JULY. Didn't realize
the error [un]til later." (Compl. ¶¶ 3-4) (capitalization altered and punctuation added).
6. These allegations are wholly insufficient and do not to support any viable
cause of action. Accordingly, Citi respectfully requests that Plaintiff s Complaint be dismissed
with prejudice.
Although Citi is now responding to the Complaint, it does not appear to have ever been
properly served with the Complaint.
2
II. PRELIMINARY OBJECTIONS
A. Plaintiffs Complaint Fails To State A Claim Upon Which Relief Can Be
Granted.
7. Citi incorporates the foregoing paragraphs as if fully set forth herein.
8. Pursuant to Pennsylvania Rule of Civil Procedure 1 028(a)(4). a
preliminary objection in the form of a demurrer may be filed on the ground of legal insufficiency
of a pleading. Pa. R. Civ. P. 1028(a)(4); Kelly v. Kelly, 887 A.2d 788, 790 (Pa. Super. Ct. 2005).
9. A preliminary objection under Rule 1028(a)(4) challenges the pleading as
failing to set forth a cause of action upon which relief can be granted. Giordano v. Ridge, 737
A. 2d 350, 352 (Pa. Commw. Ct. 1999).
10. A preliminary objection in the form of a demurrer should be sustained
where a pleading "does not set forth a cause of action upon which relief can be granted."
Firetree, Ltd. v. Dep't of Gen. Servs., 920 A.2d 906, 911 (Pa. Commw. Ct. 2007) (citation
omitted).
11. If a claim is legally insufficient such that the law will not permit recovery,
dismissal is also appropriate. Smith v. Wagner, 588 A.2d 1308, 1311 (Pa. Super. Ct. 1991).
12. Moreover, a pleading that consists merely of unwarranted inferences and
argumentative allegations, as opposed to properly pled statements of fact, cannot withstand a
demurrer. Giordano v. Ridge, 737 A.2d at 352; see also Myers v. Ridge, 712 A.2d 791, 794 (Pa.
Commw. Ct. 1998); Dorfman v. Pennsylvania Soc. Servs. Union-Local 668 of Serv. Employees
Int'l Union, 752 A.2d 933, 936 (Pa. Commw. Ct. 2000) ("[M]ere conclusory allegations in the
pleadings without supporting factual allegations are not sufficient." (citations omitted)).
13. Plaintiff s Complaint fails to identify any cause of action and does not set
forth any elements of a cognizable claim. Accordingly, Citi's Preliminary Objections should be
3
sustained and Plaintiff's Complaint should be dismissed with prejudice. See, e.g., Firetree„ 920
A.2d at 911 (preliminary objections should be granted when the allegations of the complaint do
not set forth a cause of action upon which relief can be granted).
14. Even were the Court to assume that Plaintiff intended to pursue claims for
breach of contract or some other cause of action predicated upon the statement allegedly made at
the November 29, 2011 hearing - the only potential claims discernable from Plaintiff's sparse
allegations - those claims would necessarily fail.
15. To state a claim for breach of contract, Plaintiff must allege: (1) the
existence of a contract, including its essential terms; (2) a breach of a duty imposed by the
contract; and (3) resultant damages. CoreStates Bank. N.A. v. Cutillo, 723 A.2d 1053, 1058 (Pa.
Super. Ct. 1999). Here, however, Plaintiff has not alleged any of those elements and has not
articulated any facts that, even if proven true, would satisfy those elements.2
16. Additionally, to the extent Plaintiff purports to predicate any claim on the
alleged statement made during the November 29, 2011 hearing, any such claim would be barred
by Pennsylvania's absolute litigation privilege. See Binder v. Triangle Publications Inc., 275
A.2d 53 (Pa. 1971); Bochetto v. Gibson, 860 A.2d 67 (Pa. 2004).
17. Accordingly, Plaintiff has not stated, and cannot state, a claim against Citi,
and his Complaint should be dismissed with prejudice. See, e.g., Firetree, 920 A.2d at 911
(noting that a demurrer must be sustained where a claim alleged cannot be granted as a matter of
law).
2 If Plaintiff intended to pursue a claim for breach of contract, he also failed to attach a
copy of the contract which is required by Pennsylvania Rule of Civil Procedure 1019(i).
4
WHEREFORE, Defendant CitiFinancial, Inc. respectfully requests that this Court
sustain its Preliminary Objections and dismiss Plaintiff's Complaint with prejudice.
B. Plaintiff s Complaint Fails To Comply With A Rule Of Court.
18. Citi incorporates the foregoing paragraphs as if fully set forth herein.
19. Pennsylvania Rule of Civil Procedure 1019(a) requires that "[t]he material
facts on which a cause of action or defense is based shall be stated in a concise and summary
form." Pa. K. Civ. P. 1019(a).
20. Pennsylvania Rule of Civil Procedure 1028(a)(2) permits a party to file
preliminary objections for the failure of a pleading to conform to a rule or law of court. Pa. R.
Civ. P. 1028(a)(2).
21. Plaintiff's sole allegations are that "During the 29 Nov 2011 trial the
Defendant failed [to] show credit for double payments of APR, MAY + JUL 2011 [and] the
Defendant assured Judge Day that the account was credited + current. * * * Plaintiff assumed
testimony of proper credit to mean APR, MAY, JUNE +JULY. Didn't realize the error until
later." (Compl. T¶ 3-4) (capitalization altered and punctuation added).
22. Those allegations do not satisfy Pennsylvania Rule of Civil Procedure
1019(a).
23. Accordingly, Plaintiff has not complied with a rule of law and his
Complaint should be dismissed with prejudice.3
3 Alternatively, Plaintiff should be compelled to file a more specific pleading consistent
with the requirements of Pennsylvania Rule of Civil Procedure 1019 and Pennsylvania
law.
5
WHEREFORE, Defendant CitiFinancial, Inc. respectfully requests that this Court
sustain its Preliminary Objections and dismiss Plaintiff's Complaint with prejudice.
Date: March 29, 2012
Martin C. Bryce, Jr., Pa. ID No. 59409
Daniel JT McKenna, Pa. ID. No. 93930
Jeffrey B. Goldberg, Pa. ID. No. 309672
Ballard Spahr LLP
1735 Market Street, 51st Floor
Philadelphia, PA 19103
Telephone: 215.665.8500
Facsimile: 215.864.8999
Counsel for Defendant CitiFinancial, Inc.
6
CERTIFICATE OF SERVICE
I hereby certify that on March 29, 2012, a true and correct copy of the foregoing
Preliminary Objections were served by U.S. mail on the following:
Larry Walters
50 Polecat Rd.
Landisburg, PA 17040
Plaintiff
Dated: March 29, 2012 -
Jeffrey B. Goldberg
Exhibit A
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
Notice of Judgment/Transcript Civil
Case
Mag. Dist. No: MDJ-09-3-03
MDJ Name: Honorable Susan K. Day
Address: 229 Mill Street
P.O. Box 167
Mount Holly Springs, PA 17065
I Telephone: 717-486-7672
Larry Lee Walters
V.
Citi Financial - Attn: Kimberly Rodgers
Larry Lee Walters Docket No: MJ-09303-CV-0000281-2011
50 Polecat Road Case Filed: 10/6/2011
Landisburg, PA '17040
Disposition Summary Docket No Plaintiff Defendant Disposition Disposition Date
MJ-09303-CV-0000281-2011 Larry Lee Waltors Citi Financial - Attn: Kimberly Judgment for Defendant 1112912011
Rodgers
ANY PARTY HAS THE RIGHT TO APPE L WITHIN 30 DAYS AFTER THE ENTRY OF JUDGMENT BY FILING A NOTICE OF APPEAL WITH
THE PROTHONOTARY/CLERK OF COURT OF COMMON PLEAS, CIVIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF
JUDGMENTITRANSCRIPT FORM WITH YOU NOTICE OF APPEAL.
EXCEPT AS OTHERWISE PROVIDED I THE RULES OF CIVIL PROCEDURE FOR MAGISTERIAL DISTRICT JUDGES, IF THE JUDGMENT
HOLDER ELECTS TO ENTER THE JUDGM NT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE
COURT OF COMMON PLEAS AND NO FURT ER PROCESS MAY BE ISSUED BY THE MAGISTERIAL DISTRICT JUDGE.
UNLESS THE JUDGMENT IS ENTERE IN THE COURT OF COMMON PLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A
REQUEST FOR ENTRY OF SATISFACTION ITH THE MAGISTERIAL DISTRICT JUDGE IF THE JUDGMENT DEBTOR PAYS IN FULL, SETTLES,
OR OTHERWISE COMPLIES WITH THE JUD MENT.
?S
/ y
bate Magisterial District Judge Susan K. Day certify that this is a true an correct copy o the record o the proceedings containing the judgment.
Djte Magisterial District Judge Susan K. Day
MDJS 315 Page 1 of 2 Printed: 11/30/2011 8:39:59AM
Larry Lee Walters
V.
Citi Financial - Attn: Kimberly Rodgers
Participant List
Plaintiff(s)
Larry Lee Walters
50 Polecat Road
Landisburg, PA 17040
Defendant(s)
Citi Financial - Attn: Kimberly Rodgers
950 Walnut Bottom Rd
Carlisle, PA 17015
Docket No.: MJ-09303-CV-0000281-2011
MDJS 315 Page 2 of 2 Printed: 11/30/2011 8:39:59AM
Exhibit B
COMMONWEALTH OF PENNSYLVANIA
COURT OF COMMON PLEAS
Judicial District, County Of (/1Lff4eQIA;A1-6
NOTICE OF APPEAL
FROM
DISTRICT JUSTICE JUDGMENT
COMMON PLEAS No. U 40 Q7
NOTICE OF APPEAL
Notice is given that the
appelaant has filed in th? above Court of Common Pleas an appeal from the judgment rendered by the District Justice on
the date and in the case referenced below.
i
HAME OF
1V MG. DIST. NO.
A NAAME D.J.
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SIG NATURE OF OR AGENT
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This block will be signed ONLY when this is required under Pa. If appe isnt was Claiftrit (see Pa. R.C.P.D.J. No. 1001(6) in action
R.C.P.D.J. No. 10068.
This Notice of Appeal, when received by the Dis ' Justice, will Operate as a before a District Justice: A COMPLAINT MUST BE FILED within twenty
SUPERSEDEAS to the judgment for possession in this case.
(20) days attar Aft Me NOTICE of APPEAL.
I
So"Oftr.a
ftnoWyorDp*
PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE
(This section of form to be used ONLY wheo appellant was DEFENDANT (see Pa.R.C.P.D.J. No. 1001(7) in action before District Justice. IF
NOT USED, detach from copy of notice of a al to be served upon appellee.
PRAECIPE: To Prothonotary
Enter rule upon appellee(s), to file a complaint in this appeal
at aPPdM(s)
(Common Pleas No. i ) within twenty (20) days after service of rule or suffer entry of judgment of non pros.
Srpnhn0(@ P0ftW-4ft"W0r8Vad
RULE: To
, appellee(s)
(1) You are notified that a rub is hereby entered upon you to file a complaint in this appeal within twenty (20) days after the date of service
of this rule upon you by personal service or ley certified or registered mail.
(2) If you do not Ale a complaint within phis time, a JUDGMENT OF NON PROS MAY BE ENTERED AGAINST YOU.
(3) The date of service of this rule if service was by mail is the date of the mailing.
Date: 20
%Wmh+n ofPM&Wwhwy w Dap*
i
i
YOU MUST INCLUDE A COPY OF ' HE NOTICE OF JUDGMENTITRANSCRIPT FORM WITH THIS NOTICE OF APPEAL.
AOPC 312-02
WHRE - COURT FILE To OE FiLED WITH PROTHmmARY GREEN - CDURT FILE YELLOW - APPELLANrs copy
pkur - MPV TA AF CFRVRI nu APPFI 1 FF nni n. MPv TA RF cRamn nu nmT*k-r u Pcn"
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PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT
(This proof of service MUST BE FILED WITHIN TEN (10) DAYS AFTER Ong of the notice of appeal. Check applicable boxes.)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF ; ss
AFFIDAVIT: I hereby (swear) (affirm) that I served
? a copy of the Notice of Appeal, Common Pleas , upon the District Justice designated therein on
(date of service) .20 , ? by personal service ? by (certified) (registered) mail,
sender's receipt attached hereto, and upon the appellee, (name) , on
,20 ? by personal service ? by (certified) (registered) mail,
sender's receipt attached hereto.
(SWORN) (AFFIRMED) AND SUBSCRIBED BEFORE ME
THIS DAY OF .20
Signature ofaflrant
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METRO
BANK
3801 Paxton Street
Harrisburg, PA 17111
888.937.0004
mymetrobank.com
August 30, 2011
Commonwealth of Pennsylvania
OFFICE OF ATTORNEY GENERAL
Frank F. Duschek, Agent
15th Floor, Strawberry Square
Harrisburg, PA 17120
RE: Larry Walters, BCP-11-05-024232
Dear Mr. Duschek:
Metro Bank received your letter on August 11, 2011 regarding the above captioned
subject. I have researched Larry Walter's complaint regarding the Citi Financial payments.
We called Mr. Walters on August 26th in order to -make sure we had a full understanding
of the complaint. We provided the following information to help the Customer:
I We mailed Statements from April 2011 through July 2011 to show that Citi Financial
IX-A was paid double each month from Mr. Walters on line payments and also by actual
checks that he wrote from his account.
• His son set the on line payments to automatically go to Citi Financial.
• The Customer is removing his son from his account as POA.
• We modified the on line payment with the correct Citi Financial account so the
payment posts correctly.
• Mr. Walters will have access to make changes as needed in any of our Store
locations.
• Additionally, he has the phone number for our On Line Banking Manager in the event
he has any further requests.
I apologize that the Store employees were not able to provide the information that Mr.
Walters needed to help him prior to this letter. A Satisfaction check for $10.00 is being
mailed to Mr. Walters for not meeting his service needs immediately.
If you have any questions, please give me a call to assist you at 717-412-6630.
Respectfully,
Metra ank
Cheryl Riebling, VP SR a it Market Manager
Copy: Larry Walters
METRO
BANK
Transactions By Date
Debit Credit Balance
A
J
`6.
LARRY L WALTERS
04/04/11 CAPITAL ONE CARD ONLINE PMT
WALTERS,LARRY
=ar:s
17? tc?tT9 ,_.•
03129111 Centuryl-ink Telecom $62.28 $496.41
LARRY WALTERS
04101111 CREDIT MEMO $1,850.00 $2,329.41
04/04111 CITIFINANCIAL PHON PAYMT $75.00 $2,234.41
RF9041689 04105
?w
$100.00 - - $2,034.41
RF9056778 04106 123024 SHERMANS DALE,PA
04107111 CHECK 9116 $9.20 $751.85
04/07/11 CHECK 9120 $3.40 $746.95
Check Transactions
Number Date Amount Number Date Amount Number Date Amount
108 03114 $528.31 ,
112* 03114 $8.80
i , * < - i 15 03M $20.00
7116 - 8 7 5820 117 04107 $1.50 A* - 03}311,
119 03/28 $26.80 1 '(tlQ7,. ,' 124* 04/07 $39.00
125 "1 40.28 126 04/04 $20.00 1i7 04105 $2000 "
\
128 04/ 05 $21.00 130' -04105 #'3560 5164* 04/06 $160.00
Items denoted with an "E" are electronic entries and will not have a check image. Items denoted with an """ indicate processed checks out of sequence
0537375974
Page 3 of 8
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OneMain=M
Financial
6801 Colwell Blvd
NTSB 2320
Irving, TX 75039
August 24, 2011
Sent Via First Class Mall
Frank F. Duschek, Agent
Office of Attorney General
Bureau of Consumer Protection
Harrisburg Office
15th Floor, Strawberry Square
Harrisburg, PA 17120
Re: Larry Walters; BCP-11-05-024232
Dear Mr. Duschek:
We are in receipt of your correspondence, dated August 11, 2011, regarding the above referenced customer
and appreciate this opportunity to address his concerns. We have had an opportunity to research the
concerns raised and offer the following response.
Our records reflect that Mr. Larry Walters obtained a personal loan with CitiFinancial's Carlisle,
Pennsylvania branch office on May 7, 2007, wherein he agreed to repay a Total of Payments in the amount
of $9,535.20, consisting of an amount financed of $5,189.73 and pre-computed interest of $4,345.47. The
loan was repayable in 60 monthly installments of $158.92 each and was assigned account number
67380041-0356998. Please be advised that Mr. Walters account number was changed on April 1, 2009 to
67380041-0371427. As you may be aware, on July 1, 2011, CitiFinancial began operating as OneMain
Financial.
The contract that Mr. Waiters signed was for a pre-computed loan, which means that all finance charges are
calculated and added to the loan at the closing. As evidenced by the Disclosure Statement, Note and
Security Agreement, Mr. Walters is obligated to repay this loan. Under a precomputed loan, the Borrower
promises to pay the Lender the Total of Payments shown above, at Lender's office, in substantially equal,
consecutive monthly payments in the amounts shown above. As the Total of Payments from Mr. Wafters'
May 7, 2007 loan was $9,535.20 and reflects both the Amount Financed and Finance Charges under the
contract, that Total of Payments amount will be reported to the three major credit reporting agencies. Any
payments appli to the loan will reduce the total balancee loin until the account i aid in full.
,7, C
.r2 ;04 a Orr,
For your review, I have enc osed complete pa nt history. In reference to the payments that Mr. Walters
states he was asked to pay, OneMain Financial was collecting on his missing payments. We have
researched his concerns and have determined that based upon the bank statements he provided, there are
two payments that were issued, dated Au ust 4, 2011 an January 4, 2011, at have not posted to his ban.
I have confirmed that all other payments on r. Walters' banks amens nave been posted to his account.
At this time, we ask that Mr. Walters -provide front and back co ies of the checks for the dates listed above
to his local branch so that they can research -is er. in a lion, we as that r. Walters use the correct
account number when sending in payments. It appears that he is using the original account number of
67380041-0356998 and not the current account number of 67380041-0371427.
While we continually strive to provide a superior level of service to all our customers, we regret that we may
not have succeeded in meeting Ms. Stewart's expectations. Should you or Mr. Walters have any questions
or comments, please feel free to contact me at 803.835.4656.
Sincerely,
Christopher A. Gile
Resolution Specialist
Executive Response Unit
Enclosure
cc: David Pinder
OneMain Financial # 38-0041
CR l?
PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in triplicate) ?U TI,110
A THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter forrtAi n t1 22 Ati Ig: I
-------------------------------------------------------------------------------
CAPTION OF CASE --------------------------- .: . F "i E tR L. A N D COUNTY
(entire caption must be stated in full) `) t S Y h_VA N 1 A
Larry Walters
VS.
Ciffinancial, Inc.
No. 11 9412 Term
1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to
complaint, etc.):
Defendant's Preliminary Objections and Plaintifrs "Rebuttal of Plea to Dismiss'
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
Martin C. Bryce, Jr., Daniel JT McKenna, Jeffrey B. Goldberg
(Name and Address)
Ballard Spahr, 1735 Market St., 51st Floor, Phila, PA 19103
(b) for defendants:
Larry Walters, Pro Se Defendant
(Name and Address)
59 Polecat Road, Landisburg, PA 17040
3. 1 will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Date:
July 13, 2012
Jeffrey B. Goldberg
Signature
Print your name
CitiFinancial, Inc.
Date: 6/21/2012
Attorney for
INSTRUCTIONS:
1. Original and two copies of all briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 14 days prior to argument.
3. The responding party shall file their brief 7 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case is relisted.
?19.?5? a I
060}
?s
C1.t
`A9-M61
LARRY WALTERS, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V.
CITI FINANCIAL, NO. 2011 - 9412 CIVIL TERM
Defendant
CIVIL ACTION -LAW
IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS
BEFORE GUIDO, PLACEY JJ
ORDER OF COURT
AND NOW, this 27TH day of JULY, 2012, Defendant's Preliminary Objections
are SUSTAINED in part. The phrase "The defendant assured Judge Day that the account
was credited and current" is STRICKEN from paragraph 3 of the complaint. Paragraph 4
of the complaint is also STRICKEN. In all other respects Defendant's Preliminary
Objections are OVERRULED. Defendant is directed to file an answer within twenty (20)
days.
v1 Larry Walters
50 Polecat Road
Landisburg, Pa. 17040
Jeffrey B. Goldberg, Esquire
1735 Market Street, 5 Floor
Philadelphia, Pa. 19103
L/ Court Administrator
sld 'led '71301
By the-Cow
Edward E
. Guido, J.
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BALLARD SPAHR LLP
By: Martin C. Bryce, Jr., Pa. ID. No. 59409
Daniel JT McKenna, Pa. ID. No. 93930
Jeffrey B. Goldberg, Pa. ID. No. 309672
1735 Market Street, 51st Floor
Philadelphia, Pennsylvania 19103-7599
Telephone: 215.665.8500
Facsimile: 215.864.8999
Attorneys for Defendant CitiFinancial, Inc.
NOTICE TO PLEAT)
TO: PLAINTIFF LARRY WALTEF
You aze hereby notified to file a written
response to the enclosed Answer with
Affirmative Defenses within twenty (2i
from service hereof or judgment may b
entered against you.
Attorneys for
itiFinancial,l
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
No. 11-9412
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Larry Walters,
Plaintiff,
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CitiFinancial, Inc.
Defendant.
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Defendant CitiFinancial, Inc. ("CitiFinancial"), by its undersigned counsel,
hereby responds to the Complaint of Plaintiff Larry Walters ("Walters") as follows:
1. Denied. After reasonable investigation, CitiFinancial is without
knowledge or information sufficient to form a belief as to the truth of the allegations of this
pazagraph and, therefore, they are denied
2. Admitted. It is admitted that CitiFinancial has an office on Walnut
Bottom Road in Carlisle, Pennsylvania.
3. Denied. The allegations of this paragraph aze specifically denied.
Lw1
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DMEAST #15501438 v2
5. Denied. CitiFinancial denies any liability whatsoever and demands
judgment in its favor and against Plaintiff Larry Walters together with costs of suit and any
relief awazded by the Court.'
AFFIRMATIVE DEFENSES
FIRST DEFENSE
The Complaint fails to state a claim upon which relief may be granted.
SECOND DEFENSE
Plaintiff has not suffered any actual harm or realized an ascertainable loss.
THIRD DEFENSE
Plaintiff has failed to mitigate his damages, if any.
FOURTH DEFENSE
Plaintiff s claims are barred in whole or in part by the doctrine of laches, waiver
and estoppel.
FIFTH DEFENSE
CitiFinancial has acted with due Gaze at all times and complied with all
laws, regulations and standards and otherwise acted reasonably.
SIXTH DEFENSE
Plaintiff's claims are barred in whole or in part by the applicable statute of
limitations.
SEVENTH DEFENSE
CitiFinancial reserves the right to assert additional defenses at such time and to
such extent as warranted by discovery and the factual developments of this case.
Paragraph four of the Complaint was stricken by this Court's Order dated July 30, 2012
DMEAST X15501438 v2 2
WHEREFORE, CitiFinancial, Inc. denies any liability whatsoever, and
demands judgment in its favor and against Plaintiff Larry Walters together with costs of suit
any other relief awarded by the Court.
Date: August 17, 2012
Martin C. Bryce, Jr., Pa. ID No. 59409
Daniel JT McKenna, Pa. ID. No. 93930
Jeffrey B. Goldberg, Pa. ID. No. 309672
Ballard Spahr LLP
1735 Market Street, 51st Floor
Philadelphia, PA 19103
Telephone: 215.665.8500
Facsimile: 215.864.8999
Counsel for Defendant CitiFinancial, Inc.
DMEAST X15501438 v2 3
f~JG-1712012 09:49 From: 4103323734 To:91~62358375 P~ae:1~1
'YERtF'ICATI()N
1, 'Lynn P. Yoder, hereby state that the F~u:t~ set forth in the Answer to p'taindff
Walters' Canlplaint aac ttuc and eorreu:l ~ the best cif my knowledge, informatitm and be
This verification is made subject C(~ the pcnaltiec of 18 Pa.C.S.A. ~ 4904.
laatetl: August 17, 2012
DMEJi18T N15520948 v1
CERTIFICATE OF SERVICE
I hereby certify that on August 17, 2012, a true and correct copy of the foregoing
with Affirmative Defenses was served by U.S. mail on the following:
Larry Walters
50 Polecat Rd.
Landisburg, PA 17040
Plaintiff
Dated: August 17, 2012
~~
Jeffrey B. Goldberg
DMEAST #15501438 v2
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CUMBERLAND COUNTY PRISON
REQUEST FORM
FROM: L re,!t� DATE: � y
UNIT:
SECURITY STAFF TREATMENT STAFF
❑ WARDEN ❑ DEPUTY WARDEN-TREATMENT
❑ DEPUTY WARDEN-SECURITY ❑ WORK RELEASE MANAGERS
❑ DEPUTY WARDEN-OPERATIONS ❑ MEDICAL DEPARTMENT
❑ TRAINING SPECIALIST ❑ EARNED TIME CASE MANAGER
❑ ACCOUNTS OFFICER ❑ DRUG/ALCOHOL CASE MANAGER
❑ RECORDS DEPARTMENT ❑ CORRECTIONAL COUNSELOR
❑ MAINTENANCE DEPARTMENT ❑ MENTAL HEALTH CASE MANAGER
Shiftleader: ❑ CHAPLAIN
❑ INSTITUTIONAL PAROLE OFFICER
BE SPECIFIC IN EXPLAIA'ING REQUEST
Re 0 a a S I co JVA/z 'rf�� a q evo / 3 4
ANSWERED BY: DATE:
D'T's 0 i�11 10 r_l c# -1F 1 l oi
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GEN-5 REVISED: 11-00
Ballard Spahr
LLP
1735 Market Street,5rst Floor Jeffrey B.Goldberg
Philadelphia,PA 19103-7599 Direct:215.864.8319
TEL x15.665.8500 Fax:215.864.8999
Fax 215.864.8999
goldbergjb @ballardspahr.com
www.ballardspahr.com
May 16, 2013
Via Certified Mail
Larry Walters
50 Polecat Rd.
Landisburg,PA 17040
1101 Claremont Road
Carlisle, PA 17103
Re: Walters v. CitiFinancial, Inc.No. 11-9412
Dear Mr. Walters:
On behalf of my client, CitiFinancial, Inc., enclosed please find a copy of CitiFinancial's First Set of
Interrogatories and First Set of Requests for the Production of Documents. Pursuant to Pennsylvania
Rules of Civil Procedure,you are to respond to these requests within thty(30)days of service.
1 C5 fg`'-c.�t�aa°�i fir'
Sincerely,
Jeffrey B.Goldberg � `� � �
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cc: Martin C.Bryce,Jr.,Esquire
Daniel JT McKenna,Esquire
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BALLARD SPAHR LLP
By: Martin C. Bryce, Jr., Pa. ID. No. 59409
Daniel JT McKenna, Pa. ID. No. 93930
Andrew E. Kampf, Pa. ID No. 309254
1735 Market Street, 51st Floor
Philadelphia, Pennsylvania 19103-7599
Telephone: 215.665.8500
Facsimile: 215.864.8999
Attorneys for Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Larry Walters,
Plaintiff,
v.
Citifinancial,
Defendant.
: No. 11-9412
SUBSTITUTION OF APPEARANCE
TO: PROTHONOTARY OF CUMBERLAND COUNTY
Kindly substitute the appearance of Andrew E. Kampf in place of Jeffrey Goldberg on
behalf of Defendant, Citifinancial, in the above -captioned case.
Date: October 20, 2014
Martin- Bryce, r., . ID No. 59409
Daniel JT McKenna, Pa. ID. No. 93930
Andrew E. Kampf, Pa. ID No. 309254
Ballard Spahr LLP
1735 Market Street, 51st Floor
Philadelphia, PA 19103
Telephone: 215.665.8500
Facsimile: 215.864.8999
Counsel for Defendant Citifinancial
,y7
CERTIFICATE OF SERVICE
I hereby certify that on October 20, 2014, a true and correct copy of the foregoing
Substitution of Appearance was served by U.S. mail on the following:
Larry Walters
50 Polecat Rd.
Landisburg, PA 17040
Defendant
Dated: October 20, 2014