HomeMy WebLinkAbout04-4873
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
BUREAUS INVESTMENT GROUP #6, LLC,
assignee of CHASE MANHA TT AN BANK
USA, N.A.
Plaintiff(s)
-vs-
SCOTT B. SINGISER
Defendant(s)
NO.
IN CIVIL ACTION
tl D4- Y'~ 7~ ~
COMPLAINT
CODE-
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple, Esq.
PA l.D. No. 37942
Charles F. Bennett, Esq.
PA l.D. No. 30541
Joel E. Hausman, Esq.
PA l.D. No. 42096
APPLE AND APPLE, P.C.
Firm No. 719
4650 Baum Boulevard
Pittsburgh, PA 15213
Telephone: 412-682-1466
Fax: 412-682-3138
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
BUREAUS INVESTMENT GROUP #6, LLC,
assignee of CHASE MANHA TT AN BANK
USA, N.A.
NO. 0 <i. <I ~7 3 CW<I ru.-
IN CIVIL ACTION
Plaintiff(s)
-vs-
SCOTT B. SINGISER
Defendant(s)
NOTICE TO DEFEND
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.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
1800-990-9108
2
COMPLAINT
I. Plaintiff is a corporation having offices at 1717 Central Street, Evanston, IL
60204, assignee of Chase Manhattan Bank USA, N.A., stands in its assignor's
stead, and all are hereinafter referred to interchangeably as "Plaintiff'.
2. At a specific instance the Assignor sold, assigned and transferred to Plaintiff all of
Assignor's right, title and interest in, and to the agreement between Assignor and
Defendant. Assignor had the right to assign the agreement. A copy of the
assignment is attached hereto as Exhibit "A".
3. All conditions precedent to Assignor's right to be paid under the tenus of the
contract have occurred.
4. Defendant is an individual whose address is 1101 Landham Ct., Mechanicsburg,
Cumberland County, Pennsylvania 17055.
5. At a specific instance and request of the Defendant, the Defendant applied for and
was granted a credit card by Plaintiff at the tenus and conditions agreed upon by
the parties, as is more specifically shown by the Agreement, a true and correct
copy of which is attached hereto, marked Exhibit "B" and made a part hereof.
6. The Plaintiff avers that the agreement between the parties was based upon a
written agreement which the Defendant accepted by using credit card to make
purchases and/or cash advances.
7. Thereafter, in breach of obligations under the Agreement, the Defendant failed to
make payments as they became due.
8. Plaintiff avers that the terms of the Agreement provide for acceleration of the
entire balance due and owing upon Defendant's breach of the Agreement.
9. Plaintiff avers that the balance due amounts to $7,460.77, as is more specifically
shown by Plaintiff's Statement of Account, a true and correct copy of which is
attached hereto, marked Exhibit "c" and made a part hereof.
I O. Plaintiff avers that the interest has accrued at the rate of 6% per annum on the
balance due from August 10,2004.
II. Per the term of the agreement, the Defendant has agreed to pay to the Plaintiff as
liquidated damages, the costs of collection, including all reasonable attorneys'
fees incurred in the collection of monies owing, which Plaintiff avers will amount
to 20% of the balance due.
12. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed
and refused to pay the amount due to Plaintiff or any part thereof.
WHEREFORE, Plaintiff demands Judgment against Defendant in the amount of
$7,460.77, with appropriate additional interest from August 14,2004, plus attorneys
fees and costs.
APPLE AND APPLE, P.C.
AUTHORIZATION AND VERIFICATION
41169640*1/T6CH1102
STATE OF ILLINOIS
COUNTY OF COOK
MICHAEL SLOTKY BEING FIRST DULY SWORN, DEPOSES AND SAYS:
The undersigned hereby authorizes THE BUREAUS INC. (hereinafter AGENCY)
to take the necessary steps to initiate legal action through a duly licensed
attorney for monies owed to BUREAUS INVESTMENT GROUP #6, LLC. by SCOTT B.
SINGISER, of MECHANICSBURG, PA account no. 5491040600019310, (BALANCE:
$6,366.87) and do hereby authorize said agency to bring action in the name
of the undersigned and/or its own name as required by law, to take all
lawful steps necessary to enforce collection or effect a compromise
settlement, if in said agency opinion such action or compromise is prudent.
That the attached claim is, within the knowledge of the affiant, just
and true, that it is due, and that all just and lawful offsets, payments and
credits have been allowed, and BUREAUS INVESTMENT #6, LLC. agrees to
furnish competent testimony and evidence to ove claim or any part
thereof when requested by said agency or . s atto eys.
BUREAUS I ESTME GROUP #6, LLC.
By:
Subscribed and sworn to
A 2003.
PA
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." OFFICIAl. SEAL J
';\ GRACE C TATAREVIC "
"; No:;ry Public. Slale of IUlnois ~
'} I), Comn;itl_sicn E)[pites Sep 13, 2005 ~
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My commission expires:
EX\.IIS11
~:ft~
Itc:~t,> c' -- . .
AFFIDAVIT OF SALE
41169640
STATE OF TEXAS
COUNTY OF BEXAR
1. I, Frank A. Juarez, am Assistant Vice President of The Chase Bankcard
Services, Inc. and am authorized to make this affidavit on behalf of
Chase Manhattan Bank USA, N.A. (Chase).
2. SINGISER, SCOTT B had a credit card account with Chase, account numbeI
5491040600019310. The account was sold and transferred to
BUREAUS INVESTMENT GROUP #6, LLC., on /0100)0)/
(date of sale)
3. At the time of the sale to BUREAUS INVESTMENT GROUP #6, LLC., the
amount due pursuant to the terms of the cardholder agreement
between Chase and SINGISER, SCOTT B was $5541.03.
4. Your deponent states that to the best of deponent's knowledge,
information and belief that there were no unaccredited payments, just
counterclaims or offsets against the account when it was sold.
5. Your deponent ackowledges that in making this affidavit that
BUREAUS INVESTMENT GROUP #6, LLC. is now the owner of said account, ar
authorized to collect, settle, adjust, compromise and satisfy the samE
and that Chase has no further interest in said account fo y purpOSE
On /000( ,20023 before me personally appeared
being s~~rn stated he/she was authorized on behalf of
USA, N.A. to execute the within affidavit.
(W~-
Notary Public
resident
~~I7rtt(g:lywho,
Chase Man~:~a~Bank
Chase N.A.
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'tha Chillllll M.nh.ltan Bank (USA)
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, VISA/MasterCard
CREDIT' AGREEMENT
! mallnlllons. This Agreemenl consllils 01 this doturnent
~nd the Priting Schedule which appea rs on Ihe r.ard carrier
cbntainirlfJ YOIII credit card, as either may be ilmllnded 1m,"
Iil11D 10 tim~~ 'loll should read the cM1pllltll Agreemtn\
. c:;arelully ilnd keep il with your It(;ords. In Ihls Agreement, Ihllt
WOlds 'teAl' and "ym;r' mean any petSllrl (il more than ooe,
i\1<JiVitiuallv and jointlYl who is responsible for yOUI Chii~e
Vi~a andlor MasterCard Account, including each pilrSOrt who
~i9ned the application 10 <'l('J8tl.tha Account or otherwislt
ilccepts Ilr agrees 1(1 be liuliglited 11n the Account. "We: "us:
ami '1)ur' reter to The Chase Manhatlan Bank (USA). 'ClIfd'
(efMS to U18 Chasi Visa and/or MasterCard Credit Card(s)
. vlhich we iS5llllloYOll. "At.t.Ounr relefS to your Ghase Visa
and/or MasterCard Account with us,
: I)~l!l tit li\lur A';';IlUllt. WI1 have sellt yeu Ihll Card(s)
jou askllJ fiJi. ,uU agree to sigll it pflll\'1lJlIy IJplll1 ret.eillt. 'fou
Ijnay \lsa [tie Cafd 10 leasel or purchase good:> and hi obtain
$l!rviOlls on o.:rJil 110m any (JllfSOn who aceept5 the Card
("Purc.hasels)*). You (flay al~I' use 1~\1l Card to ohtail1!oiillli
("Cash Allviil1cas') (10m 115 or Irern anytlrllJ who willllccellt
the CafIJ (such as GllIiain linar'ldai institutions that htlMr
/;aSh advance ,Jrlltls Ilr aulomated tellef Machines (An,,r~)
Ihat displlose cash IJpon entering a proper pllrsonal
~enli!icahoo rlurnherl; In addition 10 (he Card, yOll may use
, Chaalf..\Asa aCId/or ~alill!l' Checkil1{J checks ("Check(s)')
, \Iihich we. issue \0 you looblain Cash Advances. We do rml
IJrOmiSa Ihat eVIl/vone will honor Ihe Card Ilf Checks. and we
lave rlO Ob.ligatiOn to you If anyone reluses to accept eilher
pi them, We will not he liable It any merchant, any ban" Of
. ,blher person dotls not honol your Card. Chtc:k. or olhllr 101m
pI reqllssl for a Purchase or Cash Advlnca, or fails 10
\'lfovide any selVlcamade available 10 you by UIi. From time
~o lime ~Oll may be required to lumish idenlification when
!your Card is presenled lor lIse.
I Obtaining Crlldit Wlthout.A Card. II you Of someone
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you duthoriz& 10 USe vmJr Acr,clun! ,inns a sales slip, ohtains
aC.lsh Advance, 1)1" nives your Account number to make a
Purchas!! elf obtain it Cash Advance without presenllno the
Card (such ashlr a Mailorrlllf nr a telelJhone pumhasiI), <l(
. ; ij you sinn a Check. 1llllle[Jill aIled will be Ihe same iili It Ihe
, Carll itself wa5 used by you.
For Gold aCGOllllt5 or,ly, if your pllrs(ll1ill or lJusinll:U
: cheG~ is ';il~lied al a partidj1alinn Ot!]anillltioll upon
: presentment willt yuur Card and is ralurned to Uli unpaid,
: you authorile us to dmrgllllle iiilOOlJ11l iJllhe chllck to your
. Account as a Cash Advallca.
. Ufilll m Gltll!clul. Eal:h Check Gnu/air,s your Account
nUi'nbel .lIId may bill userl only by \he personM w!1"se; .
: nall1il{s) is printed nn II. f:actl must be wrnpleted alld signeM .
; in tile sam!! way as a rBQular personal thllek. A Cash
. Advanre is GOllSidered Il) be madll and \1111 lunds ftlc~lIved
: by yon D/\ lhedalll we pay Ihll Check_ \/011 May not use a
I Clletk 10 ,lilY any ar/Wurils YOII owe under this Agreemerll.
. Wll do nOl llavo 10 certify, tlny Chet.k and we ale nnt
obligated In pay aCharl<Ulat i3 post-dated. ChllCkti paid by
: us '11111 not he 18lumed 10 you wilh your peliodic statemenl.
~ hut will be idenliMedon il.
; Cfodit" fMAeluild..1l you obtain is refund,
: adjilstm,ml or credil (i)( allurchastl made wilh thll Card, '1011
, will r&l:aivl'l is credit 10 your Acr:tlunj, not cash.
'I,iilturn ot eiltlls A.rtd Chadnl. We have tlhl rkJhl \ll
lej1(jSSess ill any \line Ihe Card{s) ~1l\1 Chllckllltlal iN!! {JIve
\llilJ, 'lOll aU/ed to slIrrtindiJ' ;) leliJ at ollr re{llJes\,
II.lllhori".illiOll:l. 1'111'(;1111:1,,5 ahovliI celtail. oill\l1lJnls anll
all Cash i\(JVQnc,,~ icll\uirfr our prior app'oval. OUI 11l1Gr
appl'ov,,1 may beraquired in olhsl' drl:utJll>tallrAlS all welL
IhllSll approvals all! called 'authorintio/lS.' Will may limit
till! numbt;! o( authnri1atiGIIS WI; will {JIve YOll1' Ar.collnt on
allY one ,lilY.
. W,* ala !\olobliaated 10 iluthllriZii a lrnnsaclion lIsmQ
~1JICald ,)1 ytlhr'Al:r.ounl or In pay a Check il:
, (10\ Your credit linll 01' Cash Ar.csss lille hall heen
A~r.eel:led or \'!nuld be exceeded by the !ransal:~lltl: (21. you
hava failed tll pay amounts owed to us when dUB nr ha'J6
failed tu follow allY o( Ihe If/nllS 01 (hiS Agreement; {J)you
have nolilieti 115 Of we have llelllrrnil'led Ihilt the Card or your
i ChllC~5 have (It rllay have belln lusl or stolen, Dr thallhlite
may be ullaullJoriz~ acce:iS III your Account; or (4) YOII ilra
in detilult or your lights under this Agraemllnl have e~pirild
O( heell revoked.
AI limes whel'l OtH aultlntii:ation system is nol fully
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The Cha.. Manhattan Bank (USA)
~~ CHASE
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, VISA/MasterCard
CREDIT AGREEMEN'T
; O~!lflitltlo"s,This Agreement consls~ of this document
~nd tlle Pricing Schedule which appears on the card carrier
cbntaininu your credil card, as aither may be amllrldl{j from
Ii\ne . to tinlll. You should read the complete Agreement
- d;aretlJliy and keep II wlll1 your r!\Conis. In Ihls Aoreilt"nent, the
'~ords "yw' alld 'YOlJ( milan any person (it more thin ("Jl'!l!:,
illdivlliually and joinW) Who is i&SpOn5lble tor ~ouJ Cha:;/!
vida :.mdlor MasterCard ACClJllnl, il1dudlng iid'l pe~lln who
~iOr.ed the application to apen the ACCDunt or otherJ/isa
aceapts or agrees to De obligated on the Account We: "us:
and 'our' re!l1l' to T~e ChaSll Manhattan Bank (USA). 'ClIrt!'
(e{ars :0 the Chasa Visa and/or MasterCard CladE ':ard(s)
~ihiGh wa i:;stlll!oYOlJ. "ACi:I)lmi" rete:s 10 yotlr ChaslI Visa
~r1lJ.lor MaslerCanl Account with us.
lJ~-l! 01 Y\)ur A';COUllt. We have sell! VOl! ih", Card(sl
tOll aSKed fo.. ,Ilil agree to sign it proll1ptly lJPOl1 re<. ..lipl, 'ftlU
I:nay lIse ih" CaICj to lease ar llurchase geed:> and 10 obtain
$erJICSS on cledit lfOri\ Si\\} person whe accepts the (aid
("Purcha5e(s}*). You Inay aiM use the Card 10 obtaillloill1$
("Cash A!lvancas')lrcm us af (rom anydnl who \\1111 accept
ihe Cam Isuch as cartain financial inslitutiol1s thaI honCl
/:aSh advanca dratts Of aulomated teller machine:'! (A1M's)
loat dispense cash IJpon entering a proper personal
~entificalion numtrer). In addition to {he Card, you may use
, Ghaii~' Vl-sa ilmJ/or ,waale, Checking chec~s ('Ghecll(s)')
. which we" issue \0 YOll to obtain Cash Adlianr.es. We do nol
promisa Ihat alJel'fone wiil honor the Card or Checks, and we
(lave no obligation lO yeu il anyone refuses 10 accept either
pI them. We will not be liable il any merthant. any banN ar
other pels on does not hono! your Card, Chec:k, 01 nlhlll 101m
pI reques1 fer a Purchase or Cash AdvanC3, 0' falls 10
provide any si!rvicamade available to you by us, From time
10 lime you may berllqwred lo!umisR identification when
your Card is presenled lor use. .
, Obtaining Credit Without A C;ard, It you or someone
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youautnon:ze\OiJseycurAa:oun! signs a sales $/ip, obtains
11 Cash Advanca, or gives your Account number 10 make a
Purchssa or obtain 1 Cash Advanca wiihout presenting tl1e
Carli (SIJC~ as for ii lI1i1ilord&( (If a telellhone purchasll). ijl
. J it you siUn a Check, 11111legill lilfer.! wiil be Ihe Siime as It the
, Card itsell 'Nas used by you.
For Gl)id accounts only, II your perS\)nill or busin..:ss
f C:1eck 1:0 ,;asiled at a putlidj'laling organizatioll upon
: prllSIlf11m4!l1t with your Card and is returned to us unpaid.
: YOIl iuUlOlile us to chal!)' tlllt amouotl>! Ihe c1ll11;X to your
. Accnum as a Cash AwanciI.
. USlJ m CltiI!Cu. Each Chec~ cnnlains YOUI Al:count
: number aml may be usadanll' by the person(s) whose,
: namd(s) is ptinted on it. Each musl be completed and signed
ill the same '!Jay as il ragulal personal chsc!t A Cash
Advill1C<J is cnflsidered llj be made and the lunds fllceived
by YOlJ en the (late we pay Ihe Chl!tt 'Inll may not use a
ClIed, to pay allY amounts YOll owe undar this Agreemeilt.
We eJo nolllCive 10 certlr.j,any Clll:ck and we iile lint
GtJligaled 10 pay a Chad. tila.! is post-dated, Gtlec~s raid by
us '11111 nollle returned to YOll with your peliodic statement,
but will be identilied on it.
Ctllldib Pllr}'l.'Uiidll. If you obtain is Ill/lind,
aciustmal1t or credillol aPurchasB made wilh the Card, 'leu
will recaive a credl! 10 your Account, not cash. '
'~,..tllm Ot Ctltd= And Clued,s. We have the right to
; dl1",;sess al al1Y \lIl1e the Card(s) and Cheds that we <Jive
you. '{OU :lured 10. :lIJrri,nd8J .hern at cur request,
Authori.uilion:;_ Pmchase5 ah6ve (:ertahl amounts and
all Cash AlJvanczs fi>flUire Ollr. priOI approval. Ollr Il(1(Jr
approval llIay be. required in 'llhllf l:ill:Wn51i1l'lcas all welL
Thll~il approvals afe called'auil1orizatiolls: We may limil
Ihe ~lJlnber of aUll1orilalil)l1$ Wit wiU give YOur Ac.rount on
i anyone day. .
i. We ara nol.,obligated !o iluthorize a transi.i(:tlon \!5lr1g
:Pl'Card III yllllr-A.:r:oun! or io pay a Che~k II:
. '. (1,) Your credit line or Cash ACC8SS line has been
e~c!letied or "'ould be exclleded by the !r4nSilC1lon: (2) you
t,ave failed 1I:l oay amolJnts awed 10 us when due or have
lailed !o !allow any otlhe lenns at this Agreement; (3) you
nave notilied IJS or we have determined thai the Card or your
Childs have or may' have been lost or stolen, or that thelS
may be unauthorized aatss 10 yourAccount; or (4) 'lOll ale
in default or your rights Unrlerlhis Agrliemenl have ilJlplrad
or been revoked. :
At Urnes when our authorizallon system is not tuily
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Iwo/Xing, we may 1m! be arJe ic .give our aporoval ler some
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! lransacnol1s ,wen ,hnul1n they '!'muld ilolllJ/CJled YOU! credit
jllirol!. .These rilslricnOils' are lur ser.uriiy rea:lOt1S. Far lhe~e
. SltClJrlly lea~cn5 we (',annul. a~plaln the details of how our
. :.authorizatlon system 'Norks. You agree ilial neither 'Ne llor
: aur authorization agent snail be liabJll lot not gIVing an
i authorization.
r GfllljJalloi1s On Yonr Actuunt. You auJhOlizlI U$ 10 pay
[1l.1\d charge your AcwlrIl for all Purchases and Ca:srt
; A(lVanteS resulllng Irom lhlllJSe at 1/1" Carr., Checks or Yllllr
: ACI;OIJOI. You prmnise to pay \J~ lor all ~lesiil Purchases and
, CashMval1C25, any ~inal1Cll Charges and Other Char!)e~
: proviljed lor under Ihis Agreernent, and any olher amounts
i thaI you mal' owe us. 'Iou are also re~plln:sihie for any
; preaultlo1i,ed or reclJtrim.l charges nn your Account (such as
, insuraIlce premiums billed fa your At..counJ on a ftlljular
: oasis, or hole! or car ,ental charges that are permitted to be
i ,:harged :0 your A.ccnunt ul1rlerlhe lelms 01 the :agreement
! or p()licle~ cf Ihe inerchant). YOll may also b.. liabia lor
i c~dilin iJIlilutl10dzed iJsa m your Card or your Accot/nt. ii$
. dllilGlibed later in llli~ ADraement, 'lOll anll respnnsllJie for ail
; 'hese arrH1UI1IJ: charGed fl) 1l1lll ACGl\Jnt whether dldlged by
: ynu, iil p6/50n wlIGft1 YIlU ,"imit to :1blilln credit on your
. A(~nunt (suel. 'i" by ldtlding a person YOllr Ca1d), or al'Y
; oml!r pelserl uSing your Card 01 Yllur .a,I~Ol1nt with actual,
; il'\plied or appo(e-nllllJthonly for such use. II more th..., 'Hla
. parson IS obii')atlltl I1ndtr !his A\llllemeni, we may require
, Ihal YOIl pay Ihe ftJll amount owed 00 your AccolJnl/iithQut
. our flr5t ii5~ing the olher person(s) to pay.
'1Guf Cl'l#Jit liNO!, 'fOlli cfedltline anti eash aCel/55 line
; ara showl! onlMialder cmllaining your Carrt andlor Oil eaCil
: wontllly periodic statement Y()1I,I\(l( we, allfr.aspom,ibla let
i prev8nlihg :he total balance on your Account from e~call(jir.g
, the credit line and the Cash Advancas. balance from
: . excaeding the cash access line. You agree nOI to make allY
I Pllrchasil5 or \a'1~t.aIr\ any Cash Advancllslhat WOUld make
. mll'vnpaJd balanca Qf your Account ellCeed Ihesa Ilm11lO. It
YOl/tc!Q. we may det11cnd that yall pay the excess and you
agree'to pay it immediately,. Yell also agree that we may
ctlangil or cancel your credilllne andlar Cash Accass iine at
I any time \\Ii1houl pnol notice and without affecling your
. obligation 10 pay amounts that yau owe under Ihls
Agreement. An,! such challge or cancellalion may result
from our periodic review 01 Ihe pertormance on yotlr ACCCUlll
andJor consumer credit repol1s WIJ may obtain from
conSU/\'1er reponing agencies (credit bureaIJs).
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. PaT!mJI.: 51ntllllltlnt, We Will ~qnd you ii pel1t:ciic
!~talllmel1l lor ~ach inClnhlY biiling G"/clll WilllO !hilii' i~ iiny
ideM O( cre(ji{ oatanr.<l 01 mOI~ than $1 or whlln it Finane;,:
iGhargll has b"tll1 imP<lsed. 'fall agraa 10 I1Iltily LIS it yall do
It'!)1 raceiVll any ?anicular $laliltlent
PllYlThll1l!:l 0.. Vl}(lr Aellouni. An payrnenill musl be
: made by yell and roiC21ved by us in accordancll with the
ipaymel1J !nSlructJIJt1S that appeat an your ~1lr1odic stalell)cnl.
: All payrr.ents mlJstue made by cllecx or money ordsr
i payable in U.S. rjolliil1s, or such other means as 'Nil may
i expressly permit AllY payment made using a chec\< or dralt
, may Mat be prrlt:essed or applied to your Accounl for reasons
.: inclUding ills! II 15: poslC1ale<J; incom\llete (such as when a
i signalure is misslng\: Iha numl!nr. amount i:i (linerenl than
. ! the written amount; vI It is Illll made payable as indicated on
your peri()(jia statement. Any payment instrument alai is MO!
; honored by yom bank Will ,hil be applied to YOlJi Accounl nor
. wili il be letull\~d Ie yall. We may, but are flat Ilhli~ilel1 to,
: accept 3!1Y paymenlihal is i\Ct drawn on the U.S. ~O:il OUice
': or a !inaociaJ lnsiilu1ion lceated)n the United Slaw. We may
; charge you ilnyhank coill1ction fees we incur ror any checx
: payments !r1adelll lJ.S, dollars drawn 011 a nOIl'U,S,
! finanCial ;n:;iiluiian.
We r.311 accepllate ;Jt fjadal !laljlt\enis, ar.d paymsnts
i thai are marj(e~ '!JIm rS~llkllve endorsements ~u~h aa
i "payment in lull' wilhout !miir1(J any oi ollr righls.
. AI our option, we may permit you to SKip your fIlir\ii1/UIYI
: monthly payment 1m (Jilt! O( mora l110rJns without penal~J.
; Finance ChalQIl5 will cOlilimllt 10 accrue an ilia ilutstanding
balal1ca rJuml(J slJch skip payment periori(sl and YOUI ne~t
required rninimtllll menthly payment wii! be calculated in
actOrdance with Ihe method sat forth in this Apreemenl.
'(hd MInimum Marllltlv Payment. eacll mr.l11h, YOLl
may pay allot allY i)arl (II your balance, SllCl:pt you Must pay
us al least your minimUM paymeot by 11111 Payment Due
" qate.. your mlnimllm paymllnt l.s the lolal 01:
, . . -'i).the larger amount ollhe minimum payment Ifact/on
; showa.on the Pricing Schedule multiplied by your Purs;hasas
NewSalallce or ~1 C (or your snlirl:! Purchaslls New Balance
ifltis less Ihan :s 10); plus
. :2} the larger amount 01 1M minImum paymentlraction
. t ~shown .00 (he PriclIlg SchedUle' multiplied by your Cash
Advances New 6aiancs or 510 (or your entire Ca~h
AdJanc8s New SalanJ:ll it it is Jess than S101:phl$
J) any past due amount; pillS .
4) al/lllr option, any amollnt you QWB in 8~G1l5li /l/ your
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~t.:""""~l:.J-~.241:iJ:
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credit Jr cash acr.ass line.
AppllGaUOl'l OJ Payml'liu!j. W~ reS8t'Jll lhe right to
anplv l!lli. payments. u(j [our I~CCilum in any mantler we ma'l
cl1l1GSil In our ~Ule d1SCllltICIl. Allhaugh we polll your
paYfru:!l1ts l)n the tiale '!If; racaive ihem, Ihe Cllldil avaiiable
to yaupy reaSOII 01 your payments may be restored as (jj the
dato- (t(e funds are r.oileCleCl by us. All credlls for payments
all yo~r Accoun1 iirB suhjec! ((] linal payment by Ihe
instltut(on on which the Hem at llaymenl was draw". In rale
circumstances.. restoring the credit available 10 you by
reaso~ 0/ your payments may be hlrther delaYed,
Cil$dit BahlMllS Jtnd Qverpayments. It thert! i:l a
credit \\alaI1ce on 'JOIlr,~GtOlil1t or vou make all aVElrpaymenl
whichclCiiles a cradil balanc!I, we will aptJ/Y it to IUlura
amour,ts owed. If Vtiu ask, we 'IIi1II~IU/1(j any credit oalanclJ
OWll(j io yell. EV\ln il you rJn not ask, it a credll bai,ilfll;ll
greata( ihan ~ i remains in ynuy Account tar Ii l1111n1/1s, 'lit!
will au\omaticallv :iend you 1/11: credit balance olJtstal'.ding at
Ihat tirne. We rnay chaigela your Acc9unl and yell agree 10
pay u~ for any crlldit balanca(s) that is l&tut1ded to you in
ermr. ·
!. . .
Finance Chlil'1Jae. FinaJ1Ca Char~as 0It YOllr Ar,l:jUftl
Jndud~ Ihosa determintnl by a periOdic rate, a minimum
charu~ on r'urci1li.sil:l llaJanGeS and ill Cash A<lvancl!!
transabtion fea, ihis Agreement provide:: lOt IhtJ
cornpduY\rJing 01 FiilancJ Charges.
/i1nafmd Charges Dlltdrtl'llllfi!d By tll!rfodl,; Kalal
Minittiul11 Pur(jha~~s Financlll Cllill1Je. The Financa
Charge de!erminr:d by a periodic raid is figured separately
lor Purchases and Cash Advances, butlhe melhod used If I
Il1e cqmputatlon (generally known as the .average daily
. calanal!, including I111W transactions' method} is the sa/'rle.
SepaTille averaqe daily' balancss. are calcuiated I (or
. Purchases and Gash Advijl'\cas. Each average daily baJak1ca
15 muitiDli~d by a monthly periodic rate. A minimum Anahc~
. Chari~ In ihe :all'lQlmt set lorth in the Pricing Scheliiule
I apPlii$lor Ihe computaHnl1 01 Ihe avera!J1l daily halanc~ for
Purch$es multiplied by the monlllly perirKJit (illlt .
! Averilg8 Dally 11AIanc.a. Here IS how I we
delermine each 01 your average daily balanCes. Far ~ach
:Jay inllhll hilling cyele. we lake \hat day'slleginning bal~I'ce
01 Purchasas(Jr Gash Advances on 'lOUt Account, add iany
new ii'urci1ases, neoN Ca$h AdvanC2$ Ilr debits to i the
appropriais balance and subtlact any payments or credits
!mm t~e appmpna/e ha/anel! as lJt thai day. This aIVes wi the
daily balanc., ior Purcllasli5 and 111e daily balance lor qash
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!Advanc&s, We then add U!l ~il the Purr~'iise5 daiiy halilm::llll
(and all Ihe Cash Advancas' daily oaianclls lor the billinn
'cycle. iirld \1ivide eacti sum by \he number ot days In that
Ibiiling eye!!!. n\is ghlilS lIS lhil :average rjajlv balaness Ill'-
[Purchasi5 a(ldeasl\ Advll1iC2S. .
P'lirilldl... lliite. The monthly periodla riltes
japPlied 10 the f'\jlcnasc~ ilnd Cilsll Advances averagil daily
itJalanc:Js and the CDrreS[llil:dlnQ Annual PSrC3I1lage Hale:
'are In irll'l Pricing SctledlJle, If 1M Prlf.ing Schedule includes
'"Variahle Rate Indel( alld Margi,,' in/ormation lor ally
particular !ale !hat ar,plJes to your Account, IMI rate ill a
. ,~a"allleratllandlhetjise!osurllshelow ragarding .'Iariable
rales. apply 101 that rate~,f thePridng Schedule Uoel5 not ,
. inclues such "I/anable Rala Index and Margin" in/ormation
: for arlY partICular rale Iii:; indicJiiedby all 'N/A' for "MI
i aiJplicable' (ir lhe aLsem:eGI wch !ri/ClmaliOll in the 'ricing
! SI:l1edui.,j, thaI fale is fi~erl 1\l1n 111" disdosures below
; regardil'D variable rat!!:'! do not iipply.
. Vlltialllo Ra1U. it !}18 monthly pb"oJie rale and
: cilrreSpi.lndif1Q Annual Percantll~e Hate ti\at apply 10 your
, }\cclJun[ an;; variable ralea (see} ricll1g Scbedulu), they may
Incr~aSll 01" ,1eJ:reasa from one bllUnt;) Gyde 10 aneth..r.
: TJ\e5a lales ate Ililsetj OIl ihe vallie of "nindilli (Ihca "Imjll:"]
. : io which we add a rn'llgin, The Inde~ aM (lIarnin arB il; the
: Pricing Sche{jule.-n\l~ lndillt plu:Slhe margin d"telminie the
, I\cminai Annual P\:leenlage Rate.
: It (he Indl::;( is no! published on Ihl! relevant date, the
, inde~ we u~a in sillti(\~ Ihe rTlQntl1iv periO{jjc rate for
; PurcnasBs andlor Gash Ad'Iances 0/1 your Account will be
. tlil! lowest Prime Rate pUblished In The New York rimes or
; any other newspaper of national circulation salected by us.
i F.orpurpnslls cI IhisAgreelnllnl, the Irldex i.! merely a pricing
ir,dllx. it is not, and should not be consllJered by you 10
. represent, thelQ\liest qr lhlf besl interest rale avaiiable to a
: berrower at any. particular bank at any given lime.
,; . '! '.The monthly'" ptiriodic rate for Purchasas and/or Cash
; AdllanCll5 increases wI1en the Index increases en lhe'
: ;eie1"lhl dale, and decreases when tM Inda~ demases on
. the ielevant date. An increase in the rale means yuu pay a
~ ialger t:inanl:a Chargll and ii hlghel minimum mOlllhly
: payment. .A. dl!Gn.a.a ill the rate means you pa,! a. smaller
: flnaJ1ca Chiil~1j and a lower minimum lI10nthly payment.
: TIlere is 110 lImit an the amount tly which 11\. monthly
. periodIC rale and the cnrre~pondlng AnnuatPerr:entll.ge Rate
; may change at any Ol1e time or over the lile at your Account.
tilt tnstanca, it Il1e Annual ?ercanlage Rata were 10 incrsase
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'015 pertAlnlage POit11., tin; amount 0/ till< Mnanr.a Charge
GllllllleU 10 your Ac;tlunt M\ an average daily halanl~ al
diJ Mil '},/(J\jld 111cteas6 by M.17 per month.
[ F11lanClt.C:larg_ "'trUal And Gtau IItriM.
Financa Charges are imposed on rurchass5 ana Caiili
Advances Imll1 the lran:;ac1ion dale or !he lirst day at the
b\llillg cyda in which thl1 transaction is pOllt~ to your
Al;cuunt (whil:i1ever is latar), 11r, at dllr option, lh. data Ih"
Ira113actlGrl IS posted to yow Accaut\!. Finanr.ll Charges
. dmtlnul;j 10 acr.rue unlil pSYlTItln! ill lult IS leceived. Howev!I(,
Hiere .is no Purchase Fin an(;s Charge for a monthly blllin!J
(:\Ida ilihe Purchases balancll(s) .illhe stal1 ollha C'lde (lhe
\(1101 PU(ChasesfjrevlOUil 8i1lanCllShpwf1 an your stalemint)
,$ zero or it it is paid and c:edilarl in tull by the @l1d at thai
bi11h1g r.yei.,. 8ecause of the manner il1 which paym!!nts are
applied 10 ycurAccount, any minimum due Oil !he Cash
A\ivanc'! balanr~(s)' must also be paid in order to av()ld
Finane;; Charges M Purchase,!;, .
fblilCil Glliil'!Jllii Dttl<ill1)'lhlihi By ~;\ lr.lnudll'll"l - .
p'ailf. iOlJ '.'Jill be charged and agree to pay us a transaction
!ei;Fil'lam:ll Cliafl.l4 il11h! ",l1Otlnt sallmlli on Ihe Plidnu
5chadule for llach Cash Advance thaI you receive. -
, tithe, Chiiil\l.'. i1\a' (allowinl) fellS ami CtJill!)ilS, when
Irp.fj()sed,Alill be treated o::S a Purchase, The illll0Ur.tS (,/
tlie~e fees and charges, and any IimitatioM or (cstrictic-ns
1M,.( !nay applyqtl1erl11an as described helow. ate io the
Pndng Schedule. It the Pricing Schedule Indicates "NI A'
n~xt to any fee or cMarqeor in Ihe absllnca at such
J)fcrmalilil1, the Ie" ill c!large does flot apply III your
,1IccllJnL
. AIl1\lJal MemlJershlp F~!l. A rmn"r..iundable fee iml1Ol!ilH1
annually lhal is owed by you whelhil! or j10! your ;I.cr.Oll/il ill
~edii! allY lillle nuring the year.
i · SiilllS Slip or Duplic<lle Statemant Fee. A lee impo5iid
f~raach original or copiedoales slip drld duplicate slaIament
YP\!iJl~l!est The ~l:la IS not owed II a teQueSl fOl'~uch a
, dacum.1ll leveels a lullln!J erlOr ail dehned by the redl!ral
Aesar\ie.80llrd's Regulation Z,
:. Lale Payment Charge. A lee imposed tor any minimum
rnohlhly payrnllolNhlch is npt paid by lhe Payment QUlt
Qale sl10wn on your mOr1lhJYjlllriodic sliitetnenl.
'. . Relull1ed Payment Charge. A lee imposed if '(elur bank
'1!1iI not hllrillr your oheck or paymal\t in!lnJmenl or we
c;anno! l1Iocau It. .
~ · Overiimil File. TillS !ed is imposed lor any billing C'jr.lll
. il~ whim lout Account nalanca ~:tcaeds the cratiil limit on
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vour ACCtlllnc.
: 6iabi li:l.r.ll\ltlilt111. Certain (]i itlll Olher Ghar!Jl:~ differ
in iff~)Unj or dorlOt apply d~ '.Gng ill!. Ihebillin() idUre5~ !or
. ~our .Account Is in \lilt! of the 51atall a~ deslgnatlld in Ihll
,flncinQ Schedulit. The:'llt Slates are de:siunated by
fbllre~latian.. in a.lphaOe11caJ Oldir, the abbrel/1allOnS that
may appear in the Pnc:ng Sd1aduhl ara: AL (Alabama), CA
(Cali/omia), CO (Colorado), IA (Iowa), 10 /Idaho), IN
(Indiana), 1(5 (Kansas), ME (Maine). MN (Minnesota), NC
(~IOlih Carolina}, OK (Oklahoma), PA (pennsylvania), SC
(South Garolillil), UT (Utah), WV (West Virginia). WI
(lJIIi5t.llnSI1I). and 'Ny tWytlfl1111g). 'fOUl Pricing Sl~hedule
/11ay \ndudlllll1ly some oj lh~se state abbrevialinns.
; Crecllt lmmfanClt. ;",(lY credit insurance ()/fele(~ in
ronnectltln wilh yom AWlllr\1 is optional. It you choose to
lJUTchase Ii through us, YOl) aulh<llill;l us to charge the;
ilH;ll1iuill5 In your Acwullt and yeu au lee 10 pay fl)i ihBm ill
aCCQ((jar.ce wilh thi~ Agreehll'!!1t.
;.... rJlltilUIt. YlJur Acc:JUnt 'NUl; be in de/aull and we am
~eqllire thai ihe iolal oUistaNding balance be paiu (Ihis is
mowll as ihe riQhl. oj flecelelalilln) if: (1) you eXI;..erlthe
0rllllillinlit in ilHllC: 0(1 YI:Ui Accouni: (2) you fail \0 pay any
amounl owed Under thiS .A.greeIt16li! When due; or (3) YOlir
abJlit;.' to pay us is materially Ilt\paired (including, but not
lil11itelj to. bankruptcy or insolvl:l'.C\l pmc21ldings that are
lnitiil\&d by [Jf agall\st you). WI lie not have Ie l\oli~l you Of
Hemand paymenjin order to take ihis action.
. C~lIel;tl/Jll Cali1i:i A/'\d AttomllY~ fl!le:l. As permitted
by !al'I;you agree lopa,! ailreilsonable attorney lee:!, cOHrl
tosts and olher collection costs aC1ually incurred by IJS ill the
collectttln of JIlY amounts you owe us under this Agreement.
. Amendmellb To 'Md. Agreement. We ClII\ all'lIllid
\illY of lhll termli at tlli$ Agrllliltlllnt at any \ii/iii, amJ We
t.31l sJtt \he lltllOGllvil datil 101 any sUiJh 3rultnQl1llllnt. We
~iIl ~(Jttty yO\) by il1IlU oj any such a~lIl1dMlInl as
. '''rJI~i1liV law: ilte amended terms oHhl$ Agrum6"1
call apply 10 all autstandlns unpaid Indal:tBdnns and
~nv lulur! Irllflsacllll1'1!!l 011 \follr Account. Anv Gl1ange
which wauid ill~rel11111 the ratioj F\nllnt~ Charge, Other
Charges, or ImpOlld a jt:~ ar char9,o not 5it JI)/ih !111hJs
~iJreel1lenl Will be lllfllctl\le only If you BorHlo it. You
. ~gr" 10 an amendment if: (1) atter30 -days fromthll dale
'Ne /tIail the notlca ot Ihe chan!'.!. (Of 5Ucn later dlilt~
h\(licated ill the notlca), Yl'llIdl'l rlat givlI us written
l10tlCll II/jectlng lhll cniltlgut !tie adl'lrellll we ~pllcii"Jj
(2) ~Oll il&1I Iii, ,l.C1:0UIIC (liven It you wrOI. fa till
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i,e\tl;ilngl!lv !1'l\el1dmitflil; or (:1) ynll aSY!!! In writlrtij \t:
i lhe chll119t. Wit willlndlc:afil In our nodca 'Nit/eh at lUll
'aool/I mlllhad(#l will Cllt1~UIUlll 'Jiljd cUIl.tnt
. G.anc,ilatiol1. W'iJ call ill any titnllwlthOlJl )Jrior !\iJlica
! GlInClll your pnvllcges undlll lhia Agreement (and'Ne (,3/1 ,i~t
i yeur Cald ill Warrtlllg bulletins). We will notify 'IOU 0/ a
: cJOC;lIalioll. '(ou agree Ihat YOll will llOt try to make arty
I Pwchaliil ()r obtain any Cash Advance ./till' you havl! bllllr1
naliliedihat your privilege to use tt1il Card ot Cl\ec~5 has
: been cancalled. In lhis evenl, you must make other payment
. a/lanoemenlslor preaulhcJizect Cl reculring charges on your
, AccnUf1L'lou are still r~sp('A\Sibielorany Purchaseli or Cash
: Ad~anca" made on YOUf ikcmmlevert aHer its closed. Yeu
: may eli/leel yctJr ALJatJill at allY tittle by nolilying Wi and
: cUlling all Cards issued on YOllr ACCOllnt in half. '{o\j will
remain Hable fer .mv charnes made to your Account (by 'lOll,
. a Jilint cr,COIlI1( cardholder or anyone to whom you llevl! tent,
. given Or had illlwed a Card Oil vour Acwunl} prilll to YOUi
, wmng all Cil1tJ~ In' half and j\(Jjityil1lJ us of the cancllllalion.
. For aliI' can~llalioll 01 yelll Account, we can rl!lljuire thal
: YOll ;atulI1 tn IJS all.Cards issued on ycur Acccunt.
'/10 $<\CJrit-f ln13~st For 'lOur AC"..:llml, we specifically
: '.\Iaivli allY, seclJnly inlere:::1 ill YOlll prOOlllty lIIill we may
hal/Ii IJl1der ar-y Dl. mr a~reell1ei1t willli(Oil.
Ci'lldlt l;llp.,rtlf1!lj..harlt~ll Ctadlt Il1fotmalion. 'leu
. agt~e !hat a consumer credi repori may be requllsted
, l1tlrit.dically from one or illora c.O/1SlJmer iepOl1lng agem:!!:::;
: (credit autaallli) and usa!! in conneclion wiltl YOlU applicatil.Jll
; .ml any lJlJlJalll, renewal or extension 1)1 aedrt un your
. kCDunt. If you request, you wiil be il1formetl whether any
, GOn5lJrner repOrt was re(lUesled and. if ao, 01 lhe name and
: .ddressot ft1e consumer repor1JngagsnC'j thai /umished tl1&
report. You agree that we may ~har8 At:CQunt and other
; into/malion as well as information GOnlliinerl In your Account
application and ill arty credil rflp<Jrt en YOIl with any ot Oll(
. 'iiijll~tt~ and 0Ih!ft$-tr)r purpolieli il1dudil1!) aonsidal1l'1l] your
, &(ig1b~ity for their jJlOdUi;ls or saNie::s.
, tlntlallll AlIc1 Cll~l1glt ot Yllut Addl'1ts!I. We call .:Send
: statements and .any other' nolic~ 10 yeu althe addless
: shown II)r ynll in our iiies. It lhis IS a Joint Account, we can
. ,end s1atamanls 11l1l.h10UCllll to eIther 01 you. Vou \immise to
Injem1 us promptly 01 any Gl1anges In Y(lUI arldr~. You mOl,!
. write !o us ai' ihe ~ddtel!S lisied bl,llow. To improve clJstomer
3ervica and security, your telephone communications wilt! us
may be momtorad or recorded.
i'o...,igrt CUtMnty Tr.ihCiictlllfllli, T,iillSill;1iolls on YOllr
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. iAcc:lunl made ina lcreitin 'CUrt'2I1CV ar& tonv&rled into U S
I, :' '" ",.,_ ,,,-,, , -' ",- ;...' _' .
'dei/ar amounts by Visa Intemational or Maslelt:.ard lnler.
Inational, lOCo Visa and MasletCartl eachhavil \helf own
;cuttency conversion proc:Jdure and rates. Currently Ihe
:cllillmcy Gllnver:lllJh rale is genllrally either a wholesaht
,market ralll or a <)OvllrnmenHnandilled riite in atfed Ihe day
illli/ore tlle transaction prctasslng dille, increased by ooe
,parelllll. The currency conversion raie used on the
'prGC2sslil(J dale may differ flOm the rale in elfilGl on lhe
; IransaGlinn dale or the ~eriodir. statemenl posting dale. Wll
: do nol 5al !lIe ClUTenG'I conversion rate nor do we rec:iv/J
; any portIon of It.
: Whel'Ct A9rallmlll1t Madl, Who Is l!Iound. TIlls
: Agreement became atl..clill$ in Olllawar! where 'II11
: apptl'lved your Accoun\. In addition ~11 other ways!n whkh
j you may have Indicauld your consenl \0 be bcund, ihis
. Agr1!ernlllll ap/;!ies 10 ycu II you UEa the Account.
belayed ::ltfol<:~metlt. We may delay enforcing or n(lt
entorceany of ournghts under this Agreement withmlt k;~ing
: allY at them.
SlIlverability. TIle invaiidiiy ot any nmvisiM of tniS
! Agreement stlall ilOT attedttl11 villidily riI anyolhl!! provision.
. .Aujgnment;~ecal1assign this Agreemel\t and
i transfer {he AccountloanY1Md party wil/1out notiClllo you.
'(eu cannot assign this Agreement or the Account.
Law Thilt Applies. The law$01 lhll Ul'ubld Slates oi
. America and the Slata 01 Delaware apply to thi$
, Agre.:fl\llllt arId to your us" 01 your Card, YOUI Checks
! amI ytlU! ACCdlll11.
Yliur Liallillly rQY Ul'lili.ltrwlind lJliil Of 'fGur elii'd.
: 'IrA] may be liable for the unaulholi1.!G Lise Df your Card. You
: 'Nill'1Cl1 billiable IeI' unaui!lonled use that otttJl'S aher yell
; i\otily ChilSil BankCard S.:l'Jices. Fraud Risk and Lass
. C,;r\t(ct DiVIsion, by Wnllt1g \0 P.O. BOl( 29022, r-hOlinix, AZ
: 85072.0021, O( orally hy Galling us toll Iree al HlI1C<.l27,
: 711001, 'ct Ihe IOSS:Ihe#, or.possilll& unaulhori:zed USf of rallr
. C../d.'ln any case, yourliabiliiy lor unauthorized UM wil I10t
; excae(f$50: 'Iou a~(e8 \hat illlynne who iiS issued a Card ~or
. ycm Account (or anyone to whorll you lend Of give YOllr
. Card) is aulhorized t,) make charges 10 your Account to Ihe
; samll extent as you al'ld lhat such authonly cannot be limited
. by YOll. Such authority '.'Iii! Clll)tlnu8 until you rllV<lKII it 0'1
· notifying us, obtalr1ing thll Card in Yllur physical iXlSSl!s!ion,
, and II il is a Card issued 10 an iUlholizedu5ar. by aisn
. curtinQ!i in hall,!! you fscailJll it benefilfrom the usa 01 YOllr
. Gard or Ai;tounf !!y.'. anothet per SOil. such USll 'JIiil i1<lt tle
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Fj~al1c:: CililJ{18S, ,al1~ ~ve.. can . apply any 1JI'lpaid amoUl1t
a~aJnsl yom Greelt 11l1'1It. fau do not Nave 10 pay any
qU8511C~ed amount while we ilfenvesti!]3.tirtq, hut yell an~
. Sbllo~t1gatetl 10 pay ,he paJ1s ot your alii that are fJot III
quesllon.
:f if,'Ne ftno '.\/tI made a il1istaka I'ln your i)lH. you wiil net
lave 10 Ilay any Finanea ClJarges related to any questioned
amount It we didn'j mal<<! a mIstake, you may have Iii palj
Fihane:: Charges. aruJ 1(;U willl1ave t(J mab up any missed
payments all the qUa:itioned lllllount. In ai/her C:aS8. we wi;1
send you a statement fJi lhe amount yell owe ~nd the date
1/1~t it is due.
,; it: Yiltl tail tiJ pa.y thaart1dllr111hat 'Ne think you awe. '/ole
may report you as delinquent. Howe1/ef. it auI' explanalion
d)es nor .sii!iS~ YGUandyullwrill} !D us within ten days
teJlillq lJS that vou sllli leluse 10 pay, we mtJsllell.myol1s we
reJ,orlyoll 10 lMal ynu have i question about VCJur bUt And we
mild! ieH you the name of anytne we reported yeu 10. We .
m.u.lleil anyonll 1'14 report YGlJ Itllllat Itlll mattllr hail beiOo - .
si!ttle\l berNeen us when it tll'1alty/is.
: If wedell'! icJlow lhasa rule:!, we can't <:ciJec! the filSI 5::0
en Itllt qU&5t1oflec amount, even it your bill was mmlcl.
Sjl.eGlill JlIIie For Ci'lldlt ellrd j:utCtlalStl4.1t you nave
a iproblem with Inequality 01 pmpllrty or slll'/ices that /GU
purchased with a credil card, and you have !ned in good faiih
10' ccrred ;he pmblem wiilt tha merchant, Yf)U may havl! Ib!
rightnollopavthe remaining amount due on the propert'j fl(
sarlicas. mer3 are !We limitations on this right: (a) YOlJ mUSl
have madlllhe purchase in ycurhcme stale. or it MI wilh(!1
["iu' hC1rr1~ st4fii. \\II/hill 1 CO miles at your currat1f mailing
all(jre:>s. i3r1tl (vI Tile purchase prica musl have /lllen mora
~lill1 S50.
: Thes<l limitations dOi1el apply if we ()wn or opS(ale the
lT1etchant. or if.W8 maiied you lhe adveltisetl1Ml fOf the
p'ropeny or 5ijlVic~,
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'\. THg CHASE MANHATTAN 8ANK (USA)
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Client: BUREAUS INVESTMENT GROUP NO 6 LLC
Assignee of CHASE VISA / MASTERCARD
1717 Central Street
Evanston, IL 6020 I
8/912004
SCOTT B SINGISER
718 S MARKET ST
MECHANICSBURG, PA 17055
STATEMENT OF ACCOUNT
Original Account Number: 54910406000193 10
Account Number: 411696401
New Balance
$7,460.77
Payment Due Date
8/9/2004
Statement Closing Date
8/9/2004
Total Credit Line
$0
Total Available Line
$0
Cash Access Line
$0
Available Cash
$0
Your account is seriously past due, and the full balance is due immediately.
Here is your Account Summary:
Previous Balance
(-) Payment & Credits
(+) Purchases. Caslt, Debits
(+) FINANCE CHARGES
(=) New Balance
$5,541.03
$0.00
0.00
$1,919.74
$7,460.77
@20.00%perAnnum
Minimum Payment Duc $7,460.77
Your charges and credits at a glance:
I TRAN I POST
DATE DATE
I REF.
NO.
I DESCRIPTION OF TRANSACTION
I CREDITS
I CHARGES
Send Payments to: The Bureaus, Inc. 35353 Eagle Way, Chicago, IL 60678-1353
Write your account number on your check or money order. Never send cash. See reverse side for oilier payment instructions.
EX\-\,g\(
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AFFIDAVIT
I, )t(lffltbL S'L()77~ ,of
!~r<elrt{ s I;vtNZSi- Mr2t1-t t5i2o~ l.L/!.;rlaintiff
herein, verify tha.t the statements of fact contained in the foregoillgComplaint
are true and correct. I understand that false statements herein are made
subject to the penalties of IS Po.. C.S. 34904, relating to unsworn falsiliC3.tion
to authori ties.
fkt~ 'I) 7,Ooy
Title
F7/7 r!e#iAffL St.
Address
J: (II /1/51:- ct71
City, State and Zt/
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SHERIFF'S RETURN - REGULAR
CASE NO: 2004-04873 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BUREAUS INVESTMENT GROUP #6 LL
VS
SINGISER SCOTT B
CPL. TIMOTHY REITZ
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
SINGISER SCOTT B
the
DEFENDANT
, at 1305:00 HOURS, on the 6th day of October , 2004
at 1101 LANDHAM CT
MECHANICSBURG, PA 17055
by handing to
SCOTT B SINGISER
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
7.40
.00
10.00
.00
35.40
r~~
R. Thomas Kline
10/07/2004
APPLE & APPLE
me this I,~
day of
By: 77;/2 ~
.4~r~sherr
Sworn and Subscribed to before
(J~ d..1T/J'/ A.D.
(1 "'- 0- ~ n o.&:::'
/7/;:othonotary I 7'
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
Bureaus Investment Group #6, LLC, assignee
of Chase Manhattan Bank USA, N .A.
NO. 2004-04873
IN CIVIL ACTION
-vs- f'laintUf(s)
Scott B. Singiser
Defendant(s)
PRAECIPE FOR DEFAULT
JUDGMENT
CODE-
FILED ON BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple, Esq.
P A J.D. No 37942
Charles F. Bennett, Esq.
P A J.D. No 30541
Joel Hausman, Esq.
P A J.D. No. 42096
APPLE AND APPLE, P.e.
Firm No. 719
4650 Baum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
Bureaus Investment Group #6, LLC, assignee
of Chase Manhattan Bank USA, N .A.
NO. 2004-04873
IN CIVIL ACTION
-vs- Plaintiff(s)
Scott B. Singiser
Defendant(s)
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTARY:
Kindly enter Judgment against the above- named Defendant(s) in Default of an Answer, in
the amount of $9,063.29, computed as follows:
Amount named in Complaint $7,460.77
Interest from August 14, 2004
to November 12, 2004 on $7,460.77 $110.37
Less payment of: -$
Attorney fees $1,492.15
TOTAL $9,063.29
I certify that Notice of the intention to enter this Judgment was given pursuant to Pa. R.C.P.
237.1. A copy of said Notice is attached, and was mailed on November 2, 2004 by regular mail,
postage prepaid and, addressed as follows:
Defendant:
Scott B. Singiser
1101 Landham Ct.
Mechanicsburg P A 17055
APPLE AND APPLE, P.C.
Dated: /;;.. /; 3 ~'I
By:
for the Plaintiff(s)
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
BUREAUS INVESTMENT GROUP #6, LLC,
assignee of CHASE MANHA TI AN BANK
USA, N.A.
NO. 2004-4873
IN CIVIL ACTION
Plaintiff(s)
-vs-
SCOTT B. SINGISER
Defendant(s)
Scott B. Singiser
1101 Landham Ct.
Mechanicsburg, PA 17055
Date of Notice: November 2. 2004
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 DAYS FROM THE DATE OF THIS NOTICE. A JUDGMENT
MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR
PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A
LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO
OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL
HELP.
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
1800-990-9108
By:
/")^/ /'7/" //1
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tr/-':--: .,-~/.
James R. Apple, Esq.
Attorneys for Plaintiff(s)
4650 Baum Boulevard
Pittsburgh, PA 15213-1237
Telephone (412) 682-1466
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYLVANIA
BUREAUS INVESTMENT GROUP #6, LLC,
assignee of CHASE MANHATTAN BANK
USA, N.A.
NO. 2004-4873
IN CIVIL ACTION
Plaintiff(s)
-vs-
SCOTT B. SINGISER
Defendant(s)
PRAECIPE FOR WRIT
OF EXECUTION
CODE-
FILED OF BEHALF OF
PLAINTIFF
COUNSEL OF RECORD
FOR THIS PARTY:
James R. Apple. Esq.
P A I.D. No. 37942
Charles F. Bennett, Esq.
PA I.D. No. 30541
Joel E. Hausman, Esq.
P A I.D. No. 42096
APPLE AND APPLE, P.c.
Firm No. 719
4650 Baum Boulevard
Pittsburgh, PA 15213
Telephone: 412-682-1466
Fax: 412-682-3138
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
PENNSYL VANIA
BUREAUS INVESTMENT GROUP #6, LLC,
assignee of CHASE MANHATTAN BANK
USA, N.A.
NO. 2004-4873
IN CIVIL ACTION
Plain tiff( s)
-vs-
SCOTT B. SINGISER
Defendant(s)
PRAECIPE FOR WRIT OF EXECUTION
TO THE PROTHONOTARY:
Kindly issue the Writ of Execulion in lhe above-captioned matter...
(1) directed to the Sheriff of Cumberland County;
(2) against Defen<bant(s) Scott B. Singiser
tGLL I &uo0'clL fJY2...0f;'~
(3) against Garnishee(s) I
(4) Judgment:
$9,063.29
Interest from November 13, 2004 to July 13, 2005
On $9,063.29
Amount of Interest
Payments
SUBTOTAL
$357.56
$
$9,420.85
Costs (to be added by Prothonotary) $
APPLE AND APPLE, P.e.
Dated:
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WRIT OF EXECUTION andlor ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 04-4873 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due BUREAUS INVESTMENT GROUP #6, LLC.,
Plaintiff (s)
From SCOTT B. SINGISER, 1101 LANDHAM CT.,MECHANICSBURG, PA 17055
(1) You are directed to levy upon the property of the defendant (s)and to sell ALL PERSONAL
PROPERTY.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the gamishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account ofthe defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $9,063.29
L.L. $.50
Interest FROM 11/13/04 TO 7/13/05 - AMOUNT OF INTEREST $357.56
Atty's Comm %
Atty Paid $117.40
Plaintiffpaid
Date: JULY 21, 2005
Due Prothy $1.00
Other Costs
CURTIS R. LONG
(Seal)
protho~ [J ~
~y: 1.2.-?.; _. .//'/1'./
Deputy
REQUESTING PARTY:
Name JAMES R. APPLE, ESQUIRE
Address: APPLE AND APPLE, P.C.
4650 BAUM BOULEVARD
PITTSBURGH, PA 15213
Attorney for: PLAINTIFF
Telephone: 412-682-3138
Supreme Court ID No. 37942
WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 04-4873 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due BUREAUS INVESTMENT GROUP #6, LLC.,
Plaintiff (s)
From SCOTT B. SINGISER, 1101 LANDHAM CT., MECHANICSBURG, PA 17055
(1) You are directed to levy upon the property of the defendant (s)and to sell ALL PERSONAL
PROPERTY.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify himlher that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $9,063.29 L.L. $.50
Interest FROM 11/13/04 TO 7/13/05 - AMOUNT OF INTEREST $357.56
Atty's Comm %
Atty Paid $117.40
Plaintiff Paid
Date: JULY 21, 2005
Due Prothy $1.00
Other Costs
CURTIS R. LONG
(Seal)
p,~thonotarY 2 ~ J
~. ~a-.I - . Ch2L?
Deputy
REQUESTING PARTY:
Name JAMES R. APPLE, ESQUIRE
Address: APPLE AND APPLE, P.C.
4650 BAUM BOULEVARD
PITTSBURGH, P A 15213
Attorney for: PLAINTIFF
Telephone: 412-682-3138
Supreme Court ID No. 37942
R. Thomas Kline, Sheriff, who being duly sworn according to law, states this
Writ is returned ABANDONED, no action taken in six months.
Sheriffs Costs:
18.00
1.42
Docketing
Poundage
Advertising
Law Library
Prothonotary
Mileage
Misc.
Surcharge
Levy
PostPone Sale
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l,.s.:wo~and Subscribed to before me
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2006 A.D.
P
.50
1.00
11.52
20.00
20.00
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Advance Costs: 150.00
Sheriffs Costs 72.44
77.56
Refunded to Arty on 5/16/06
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So Answers;
R. Thomas Kline, Sheriff
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