HomeMy WebLinkAbout12-2294IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
ASSET ACCEPTANCE, LLC
Plaintiff
vs.
JOANNE S SMOLAK
Defendant(s)
No: 101-01JQ (1vi1TeXm
`=
CIVIL ACTION - LAW
1t" ?J
NOTICE TO DEFEND
You have been sued in Court. If you wish to defend against the claims set forth in the follow in-g"pages,
you must take action within twenty (20) days after this Complaint and Notice are served, by entering a
written appearance personally or by an attorney and filing in writing with the Court your defenses or
objections to the claims set forth against you. You are warned that if you fail to do so, the case may
proceed without you and a judgment may be entered against you by the court without further notice for
any money claimed 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 HELP. 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 - COURT ADMINISTRATOR
32 S BEDFORD ST.
CARLSILE PA 17013
Telephone 717-249-3166
OS
4103.175 pD AIN
?-? 138c:7a35?f
73 V7
PA 0101 FileNo.: 11-20626
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
ASSET ACCEPTANCE, LLC No:
Plaintiff
vs. CIVIL ACTION - LAW
JOANNE S SMOLAK
Defendant(s)
AVISO PARA DEFENDER
USTED 14A SIDO DEMANDADO/A EN LA CORTE. Si usted desea defenderse de ]as demandas que
se presentan mas adelante en ]as siguientes paginas, debe tomar accion dentro de los proximos veinte (20)
dias despues de la notificacion de esta Demanda y Aviso radicando personalmente o por medio de un
abogado una comparecencia escrita y radicando en ]a Corte por escrito sus defensas de, y objecciones a,
las demandas presentadas aqui en contra suya. Se le advierte de que si usted fall de tomar accion como se
describe anterionnente, el caso pude proceder sin usted y un fallo por cualquier suma de dinero reclamada
en la demanda o cualquier reclamacion o remedio solicitado por el demandante puede ser dictado en
contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero o propiedad au otros
derechos importantes para usted.
USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED
NO TIENE. UN ABOGADO, LLAME O VAYA A LA SIGUENTE OFICINA. ESTA OFICINA
PUEDE 13ROVEERLE 1NFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSSIBLE QUE
ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN
SERVICIOS LEGALES SIN CARGO O BAJO COSO A PERSONAS QUE CALIFICAN.
CUMBERLAND COUNTY - COURT ADMINISTRATOR
32 S BEDFORD ST.
CARLSILE PA 17013
Telephone 717-249-3166
PA 0101 File No.: 11-20626
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
ASSET ACCEPTANCE, LLC No:
28405 VAN DYKE
WARREN, MI 48093
Plaintiff CIVIL ACTION - LAW
vs.
JOANNE S SMOLAK
Defendant(s)
COMPLAINT
AND NOW, comes Plaintiff, by and through its attorneys, Fulton, Friedman & Gullace,
LLP, and files this Complaint and in support avers as follows:
1. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was
assigned all rights, title and interest to defendant's CITIBANK (SOUTH DAKOTA), NA.
account XXXXXXXXXX-XX-8370 (ASSET ACCEPTANCE, LLC Number 11-20626)
(hereinafter "the account").
2. Upon information and belief, Defendant(s), JOANNE S SMOLAK, has a last known
address(es) of. 1465 HILLCREST CT APT 609, CAMP HILL, PA 170118025.
3. Upon information and belief, the account is based on a written credit agreement entered into
between Defendant and the original grantor; as provided to Plaintiff, the material terms of the
agreement applicable to accounts issued by CITIBANK (SOUTH DAKOTA), NA are attached
hereto.
4. Upon information and belief, Defendant(s) used or authorized the use of the account to obtain
loans from the original credit grantor for the purpose of obtaining goods, and/or services and/or
cash advances.
5. Defendant(s) failed to make full payment of the amount owed on the account.
6. Upon information and belief the last payment posted to the account on February 03, 2009.
7. The account shows that the Defendant(s) owe(s) a balance of $17,406.85.
8. Interest has accrued from assignment at a rate of 6.00 %, the amount interest which has
accrued is $765.93.
PA 0100 File No.: 11-20626 Client Acct No.: 11-2137566
WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in
favor of the Plaintiff and against Defendant(s) in the amount of $16,640.92, Plus interest in the
amount of $765.93, plus costs of this action, and any other relief as this Court deems just and
reasonable.
DAVID R. GALLOWAY
FULTON, FRIEDMAN & ULLACE, LLP
130B GETTYSBURG PIKE\
MECHANICSBURG, PA 17 55
1-877-386-5383
Attorneys for Plaintiff
PA 0100 File No.: 11-20626
VERIFICATION
I verify that the facts set forth on this Complaint are true and correct to the best of my
knowledge, information and belief. I understand that false statements herein are made subject to
the penalties of 18 Pa.C.S. § 4904, relating to unsworn falsification to authorities.
Because of my title, I am authorized to make this verification on behalf of Plaintiff.
Date: 10A It? ? , I
By Ckb,5+jnV-
Print Name
C , Aw'?
Signature
5o' rf Em ee
Title with laintiff
PA-0 100 File No.: 11-20626
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this Card .
Aw ahead wmow rate.
+a*adawlaanr. MV P YOU aftW fin 00 yotu acsouni.
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card cwrw,
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YOU ID we your a in aMMfta y4 M tMs
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and yrsu hm ad uw or aieotted imm tx Ow Card. vw
mus'i toy us tw a* mm-mts die o")AW WODWU Sple;iw
in this AW?eenssK Your amount wAW t* be aced tar lawful
traa+ns
due. a,?t payn" eve tf,*. It atw was your ta€"
csertit ira Old WM MM W ft* an ftMU4d 60 of courant
cUrM PWA*ft and tredps; a rs t wmffmy-,Ml tsttrer
imporwd melon. Vktt*m a Swmw# ofttu*
addrt~ss. YOU WW 00* U056 rW SWAM OU4 Omv in
adtims, b we dwm quar amarrt ttr h ale
waoeea "s by aa<adirq R io at tauie* S"Ky or
Periodi? r> we mvm ?. cbw" and cw tkx* to ate ew 4
we *9 d*Wo*.
The WW a you acre us appeus as on Ow Odame
on 'me bft atasWMX to ddww* a fait ttiw Howme we
ft tw bm" at ttl0 ttw d ft bliev per.
We add aq PUrCh '!t ttt CAM add sad Sd*4d any
for fiats Of OW bitfinp period. YYc
WPOW
nse tdWW ar teea and make MMt
a*at
APRs-
APRs aaatrd a* t ft t alga any Amt -bid orr Me
U_S. Prbrar Pjb crime R*7by +ddaq tm vpl e
amoum to at"ara as the card carrier to ft P *m Rsae
For each bNAW Olipd Y* uue fi+e N ms Raw pWw
in the ' r.?t tw4 the
,Streef Jounuf fta not p0sh the Prim Ratt we may
sub lute a si'T r PubkmW raft. A t? to an APR due
you may attrnY uutts to use to a dra W in the Prune R* taIas ad'ieet as Of ltae first day
your atxxstmt. You rfW ramm addW** aptfs hn• au#KOW
the bi t period Ulf which we tie the APld. We app;
tDD
users. You n pay w lot an 4111 auftnzec the new Vphc" APFI b any m$WV tom, Gj?t tc
users even if you did rust dtetut
reepo€ a for thaw a ry prom rate that may ap*
rh ryes. You mtist is to moka aa7 Derp?IMM You
gwe to an aut0ttdf Ow to rase a card or la lase yrratr a=wt 0~ tl : 0, }+s»tr APRs may traxe it you dafautt under
o us bets you fay
craft Lift YW m" a** wo aLirs an ft CM MOW ? AW~ that you tree o
r a t43 tat xAyo due, a us b c& tze?t ?,
The tali aarbnnt of Yom 080 fiat is mow* 18 iwy or km tlr ytru ?ptyrs? Vs i1S thdt ? h011Erred
goads or s w*as %ta m ft and is foot mot. Part of gout
cretin line: rallod the teats adrratsce &0, is aa+ai" for ash
Uhamm. We mily + your a** brre or tssfs.>1
IIWA at awry fiche hsr any reoat_ W! *0 ?A* yrau of ary
r-' Mw . but the chaw arssy we oft* ltd om you mcap" the
aot in tt'ttw
tRt UrtrSfaMtalS, yae APf? n s it t yOsWtot AhePRs
{}? which e>?ads t; ?e tWe phi sq to 23.99'
or up to X wh chaw is Q MW. Fx m condered p
rwtx?e. ttre ttrtal blitawca an determmkrg yout DebA* APR may >r a bore! bw -
t ? dwos ? left. acOOK i4faft pw6c 30MO tray tit't?tt OW, IN MiOg Of str? Of a defaatt
omp attrriin below ttm M6" any Caret AWerwA MA you haw *0 us, or ww
credit lira. HOWM, b tfse WW b*ra aceeds your credit indrc lUm of punt Rerfomtam. The DaWA APR *,m
Fine YOU rat SO pay V. ff your actcou* !loll a CM& eff" as of the rust z#ay Of the bil{ period in whim you
batar; m ree aw and m the awit balm by arty now dd&AL We €rw imw tfw APR tax new pure es aww
UMM un year SctfMOL Yaa ntey not attantt * a amM cash adoiam ff you maid the wwjs d d Card V
balum In errs of yow email! WA. ft you tyre with us for six ire t q periods
iiftlra $meow your wit stavwvw mom the tats E Mt WWmxs mmem subod to file Defasatt APR unlit paid
baUAM peritk!'+t *W" urges. *es, minbnum amoetrt in tug, rnttess we ten } w oftro&A
` ;r
WIM of APR ice: if an APR ktsreases, perioft
kwo olm-Oft incra "and your MKWUm payment may
'; tNttea!?e:
Pwkxft FkNoVe Ch"m Sawd On APRs
l'wb* Fame Oamw Periodic ft" dwron are
11nm t V* am added to your a Rm whit we
he agile APR to tAte bebm on your acsonnt. We
plilftft tyrtarttta s for $ad bakrnce
sub?tt in dint tetrr? h?r srad
siaAdard CaA ad WARS, attd am* womow* O toial
pwt * ffarartca cillm" ttl to bow POW Ift d*
TeWre t t%UVS far each bawNce ? not day to fete
period. This tt of %w o
,goes mob in d* ccur rte of fmove dirges.
14" the wk A I i NO Ohow lfte& is AM M Periodic
fitwnoe dtarpes be* to kcm on a dwm horn ft 4*
r is ad" to me dal y bsbmx aM continue to atoarue unfit
Paymew4 in adl Is O*ftd to Yo w aowwvL (t tQW kdu&
Rum, bat M ltaris M Cute 36itoee. USM310an
fees. o #w tees. and any mifw" ffra wA chaxo) You carp
aid t woft fawn & woes on PMhaw f
bdam tea nkm) Ut w w an your mom bW% staternert
a you pMd the teow t3alarwe on the tact stanerttent by the
pWme* Out dale on thee statement and you pay your New
S Am by the payr due data on yw osxm swtmem.
If you made a baitrue transfer, yen may be unable to avail
petvft Maw cf2w on few pukes, as 4escrw in
Me baby" transfer Offer.
Cbdowa so Per Mae i
for eat isaianu, we ma>t r tdte«=b duu by the
applk" d* Wiodir. rate. We do ttus fur each day in Me
b*V . A perturfie rata Is Ow ap{tfl "APR
derided by M. A PwW begin on t* day after the
istr6rdes ft Mdmw*OoswV DO of tke or" bWft ppertod.
To 00 t* daily' balance. we taiee fete beOMN b9sm
for teat babuxe trvery
day t kW t Miodic finance
l ctraTyes from
bff* tit. add any reav dwoes..
and airy period finance charge on ft pry
baurrce, SO WO any ae t or payments Credited as of that
day, and Make o#ier adwstrttents. A credit Uaiancs is treated
as a Mime of Iem.
• We add a dww to the daily batume as kftws: we weed
a ptrmhm to ft appropriate ballawn as of the Sale oate
an the bifkrtq svWri 1, tilde add a bsom tratsfu or cash
aflame to else pmpdate balaauttce as of the Past Date on
ttte staterrnnf. add any transsom fees fur purrNms
balar?ce trat*tert, or advanom to the carne O
as the IMUCOM as of the same dde the Uwaction is
added to the drily tom. The PoO D& is the dad we
Meow yow reWst Tor Me lrtiartoe tea wrier or cash atfirance'
irtctuft a rood beat we cwo* a Wmce teen edet or
cash atWU Co wsoffl e"t" a s is amount. it
you semi a bed battft or cortver iMM dMick dkWOy
to someone. itte Post Dale is the hate we receiue the check
for payrrrora
w To gel ft MW perms Mance dw9e, we add up all of the
d* ptxi * flnanoe dwoft our each b* M tot no day
in fete M4 period.
• For each bAwa, the Rduft Sw*a to Funrroe Charge on
fete s m t is tt avwisye of-ft day bates durfq the
dt dM M V* period and by On applicable
assessed Ow balara, en w for ? ftrwo r
r vaddiuns caused
by roooft
Mergers FRmo tberpa: It #* mock rate *%me dwae
wauid or a be leas tfan $0:50, we assess a ?nimmum
FINUM CK%VM of SD.50. We and the amnum to arty
batartoe that is assessed a iMMM .
Tr ertt meftrf Fe"
Trait Fm »i M ft If you ate assessed a transar im
fee for a baattce harts#e4 a pwchase made in s loreV.
c or a cub abaft, tf to ae on fee' wR cause
tAe?on the y sUbrot on v It the transaction
first appears to exceed your rte APR.
Tram" m he for Ildon Nalow You obtain a
balm tra+uW 4 you obtain funds throupb a bAwe
tTansw d** or treader a b wow U a cash
advance Marco dteck. We treat balance trans as
r
h?xe ur1les3 oidiert? prtrided in this Fipre+artent.
each t #am* we add an ad6dkxW FtNARM
OWA of 3% of the fount of " balance transfer trot
rot less heir $5 or ethers ttttut $75.
Tear pa tie for ParettnpetR kwo M a Fsrsip Ctrrrenty;
For am* pdMhm made in a foreign curmnoy vin ere w are
a CKOW of 3% of the purchase amour
after ifs M McTSW khto U.S, dollies.
Tmmc#w W for Cash AAA You obtain a caste
*Kwim 4 you obtAt bxlz ttirwph an automsed oeuw
M"ne AT", 0%wetkence chock, twine bwili V, or
fm W iiatitti4w,, matte a wire trans*r; obtain a moneyy
order. baveWs tdwk, iv" fidwt, caslm chip, or similar
item: or enOW in a simW transaction, For each cash
s
advatwce we add an addict nw RNANCE CHAWA of 3% of
the amount of the casl+ advanee, but not less Vw $5.
f"er Few
We Fee: We ado a Este fee to the standard pu rdme balance
for aach bfty period you fait to pay, by Its due dare, the
Minimum Amount Otte (less the Arrrsutnt Over CnKfd tsr*
stun an Yom btu ststtew *rt). This fine is based on your
account b*nCe asof thre parymW* duo data, It jr $15 on
W rom up to $100, $29 on bad of $100 up to a25t'l,
and $39 tea betas of $M and oiw
fhar-Na -tiae Fw We add a $39 fee to Me standard
Machas+e badarhse ff your account ba lowe mueft your credit
fine at any tithe the to period. We add ttas fee even
if transx#icrcas of or pftiod c firwu a charges, fees.
and outer dwon you k cur are a remote the a= Wt balance
weeds your tat *w We add this be e+resr d the account
balance falls below your credit One by the end of the bift
period.
hNOW to p tree: We add any applicable annual
ntxr sandard p4e bakm. This fee is
you notdy us to teemed your account
rviifdrr 30 days of the rtrt?or *Awery data of the f
statetrretrt tan which the fee billed.
Rohned Fft We add a 339 fee to the starutard
pun¢frase b$W for If a pabnt t diedc or smilar instrument is
rxtl honared or i3 returned bawtse it cannot be processed. or
4 an automatic tier is returned unpak. we assess this fee
thus first time your cooed or payrrwd is not honored, even A
if is honored upon resub ruin.
Rehr W Ca"Wooft Cksdt Fee: We add a $39 fee to the
standard advance baiaaoe tf we decls* to hor w a oocwmence
check. We mw dui to horror these c hacks 9. for example.
the artotrrd 01 00 ct" WUW CWM frit balaw to meed
the cash ado l* of COO fiat. III you dt fauft, W you did
not tom* whh our rrsbuctions Ong the chea_ or u
your acooont has been closed.
Stop Pates an Cates Chedt Fuze: We act a S39 tee
to the standard a&W" balatlce v we how your requ st to
stop l>&flf*M on a t owenlence Check. To soap payment on
a corn enct c hKk rte us at P.O Box M. Sioux Falls,
South Oak 67117, or ON the t ustxtam Service number on
the bfding stvWmea it you chit, you frost confirm tfoa can in
writing wift 14 drA A wrfben stoop payment umlw remains
in elect for 6 mon tra w*w renewal in writ3trp_
6tbtret TtUxbr Ott earl C+oaPON&M Cketkt: {ecru
creek must be in rite form 4 was issued and used girding
to arty iratructlcuhs we Qive, The checks must not be used
to pay an acr"Int owed us under this or ants C
Avenretd that your haw ** us. We 6D trot Oar" those
checks or retbm SW WO Checks that have been paid.
frtiforWwAlon on Fote!W Currancy
Ccxnraton Ptooedur"
it you mates a OWMICOW in a Wreign cnrecrcy, other than a
cash Ahwu made at a bratrdh or ATM of one of our al es
mastKard> vita or Aromm Express, deperdreg on wW
card is used, raorom# the &wunt trio tt.3, tuts as f4tkr .
MastercWd trD VWS tenth 1fa fm* taffy WPM-
Sion procedures JIM is el feet f erCad cwmtty uses
a conversion rate to effBCt one day prior to its trxnsac-
tion process" data. Such rase is sidd a wholesale
maditet rate or the yiauetrrtrre ra red rate.
Visa complies with Its fore r twVICyr
procedures then in eflea Visa cwmo* use a CWver-
sron rate m on its app W* usual ptv rrp
hate. Such rank is titt>ef' a rate it selem foam the too"
of rates ewe a in vrhofle Ctrriency MWkets, WW
may vary from the rate N receives, or the government-rate.
• ?Ertprm compks with bs foreiigin curmwy
cmversion process then in ~. Wass a particular
rate is required by appIle" taw, the raae used by
selected onExprwthe 5Sbeday price to the day on h
the tranwilon is pro d by Aft*tk*o Express,
It a cash advance is made in a tareigr currency at a branch
or ATM of one of out ate, the WOW is OnvOrted into
U S. doliam by our aft in auvdance with ft "n
currency comersion' procedures then in dfect: our oft"
cur" usss a tonvwsann We in dfer3 an its apq to
ProcMN* state. Smh race is Otter a mid-point ma W rate
or the govemment-mandated rate..
The foreign currtIbny convUsiuo rate in e.#ect on me
appfxa* procas&V dabs for a tmmc#on may differ from
it)e rata m effect 00 the Sale or Post, dft on your billing
stateowt for that trvaction.
It a transactlort is converted by a third party prior to such
transaction behrp processed by ward, Visa, or
Amerim Express, the Weiian currency iaar ersion rate for
that transaction wffl be the rate selected by that third party.
Pryrnents
Nlf run Rrfe W Ova: Each month you must pay at Wo
the Minimum Amount Due by the payment due date. The
6 r
sooner you pay tree ftew Waence, the less you wot pay in
periodic finance dwoes.
To c*uiw the Minimum Amount Due, we begin w#h any
past due amwt add any arrta+tnt in excess of your credd
• Te e New 0 the W%M Of the foNtiAeAg:
' b idtnq s0ftmerrt ft it is less ttwn
• $20 K ft Neev Balance is at wart-52o
• 1 % Of ft NOW 8 (v,+ttioh calletUtiot is rounded
down to thee nusoast OAVO On the amount of your
bided ftow CINKO ate any appwpie We fee; or
• 1,5% of the Now Balm (wbichcalcutation is rounded
down to Nee tte:dng d }.
*weww, On Wtitrtom ArAreatd Quit newer exceeds ttte mew
Baiantex: in Waftft the kftmm Amount Due, we may
subtrW from the 14OW Balance certakt fees added to your
account during the b tp period.
A ere at fad We pmts and credits to
low APR balances bdm #ti?rzmvnmces, Ttw means
Your savings will be r+educett it you mob trartsactiions ti?at are
subject 10 hi*r APRs,
Pay411011 U*NftW P4VWt5 are:=dhed in accordarice
YvO ft ;ant htsteuctlww on errs tfeftg stal3e wnt. You
must pay us in U.S. dolaft ull tfi a theck sirnhar instrun4 rt,
or ail c doW is drawon on and honored by a bank
in the us. Do owl send raedll qtr can UCW tats or partral
P"w"K and P"W* nosd ow in fLor or
DOW m6ftove attdtrrserr ells. wtUnaut toeing our ripens.
We reserve ttte Opt to oe t payrroft mettle in foreign
Currency teal inslrutno is 4wwn on runts on deposit o e
the U-S. ff art do, ire seWd ctttrVxy conversion rate at
our *=W and credit yrteu a=w t in U& dollars attet
de ductliN arty r osft kwwW in q your lam, or
we may yqu Warm* for such cosft.
Serwkc You may request to make
yw;I)MMit.6Y fdtofee neon off OMWW Pay by Phone
Sew facet UM YOU OW C SUCh A re st, you a" to pay
us ft W404 atiaetn in the Pw by Pbrtrte section on the
brick of the WV sWwwt OW re WM are tratrted
to tell you tths acrd it you decd to use this opti Pay
by tote Service.
Credo Ong
We may report info rMati0fl about your account to credit
reporting Late p ffts, missw payments, or
otter ddan?your account may appear on your credit
WOft If Yw ram carets an your accoemt for Queers, we
may report amount irtformatfan in fete names of ft" other
n
people as vrad. We nW also obtain toga-up credit reports
on you (for ewnple, > we review your account for a
credit One-iincrime). If you wish to know wtkh agencies we
contal bus at ft* Cusiarnet Service address on the
tf You threttle we reported erroneous nfo nation to a credit
on Ld COAcy. wrb us at the
Wee Cuslixw Service address
matter artd we ago" vriNtrCte
credit repeltbtN ageAcy to weird wa mp%W and request a
corraerka, It, oft ow inert, fee *,ft you.
vee ite??you al w or by t e?'tell you how
to s # tnen# to arose agencies for "inclusion in your
aedit reW.
Chats to this A msnt
We my dwo to aft, tea, atattft=of this
Apsewi ett at my bias for a" mnmL Than ma=w
my bt batch an tWpnere l" in Yw use PK ink
a* ytwr Mrts b s toa mewtorte"K
of M" ata;etsds Vwftft aC or tN rt "tier d Goof
**Mn. Thm renmt rear eta iant hwe twt pow" or
-rew" teeters. ChNO y teaettet b It MmIsm,
repbliw of fI I Ii PMMMM "6" to raw now
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name too" Yt in w "ft wok 25 ells" AV tie oath"
stab d so Ames ataett M tit at Um kb". t
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You detauft under lhis AQramMM It you tail to pay the
Minimum Amount epee by its due dft; a cd your credd
line; pay by a check or sak nUr tnstttante rlt that Is not honored
or that we rrW rebom t>eeauae h e w*V to Processed, pair
by automatic deW Owt is rftrmai unpaid; % for bankruptcy,
or detain utter any other Card Aegrtd t that you have WTtt!
us, ff you dakA " may boos your account and demand
immedtsde pafrtttem of the WW bibnce: If you gave us a
securityintenw in a C,wWk?ft of Deposit, we may use the
deposit amount to pay any amomat you oatve.
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Art?M Forum v ? hwiV VW you
MOW VA t a held st a AM OMW by the *rn
i is fipp sauae ac du 11.5. L?ict Crrurt tit to )w
aerrent?addins, of at some o4w pfoax to wl»eb
you and we aprte .1rtiu may obtain topes fire
Crtr"pees d Wh of Me amwabon Earns and forrns rid
krstrUCO s for unbar an stbhrabon by corrUicting ttrern
as follows:
Arnestim Arb*9w Association
335 Mwbw knnae floor 10
Nm York, 10 10017-4M5
Web s4a: rower adr."
%a*" Arbbadw Forum
PL;.13, so 50191
APR, fill 65406
Web $fta www orbi t-f mxn txtm
At any tkne you or we may asst an %Orwkb Court to
On of or W the litigation of Calms
ping abbsW erntn ff Stmt Cbkm are part of a hwsud.
antes a im has or a tai *Pent has been entered
Even I a P" fad to exercise, two of aw ar
b tMM or in+4gmmillon VAM any parilc Ctakm ftv party
i can still req whftbw A a W *m or in tX.mection
*,b any MW Chim
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m The vbftretCr
rsaweriva ora
aAW with tale rules
and rWa of the atbOo-ri ffrrn in to Wt fur ffm data the
arbffratiua to Vsd wAn arose proicodur n and m*s
are irlt nt M0 #1tle AgreemeaL in wf*:h case Ns
Agrarentertt will prod. 't'hose procedut" and rides tnay limit
the discovery ataaW* to you of us. The art krAor will take
reason fin prralecz COStOrner au WL" infprh
and attar . WNWIMION if MVSMOO so do so by
you or as. The arbilrelor;wt ap* O-t-tpiiCabie siAniantio tats
? 1 , s Isa o itwilh the and'OPPOWWO r 011M eta,
rN hOrrfn' d* u of pmbp recop ind at t9m aid will have
the power to aw l to a party *IV damages or O#W few
Provided for tender matte taw. You or rte tdxmm to
how a heating W4 be ? by ?? wbtrator
wiff make arty award in witting end, iT requested by you or us,
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a wd in ar*a#ion shd determine the rights and obhgatiorts
bit pte Wild aad only is revect of
the
ClAh" let a doshm Mafntd re tie any basing on
the dQW and obMgattons of any other person, or on the
>esokoon of any Wier *Pute.
111 ? WhoeM fats the arb"ion pays Vw inft filiirg
tea. III tee file, we "W, If You W you py, YM go a
fee ur&* f Wok" tines oft * art + firm,
If you have paid the Ming fie and you W vWt, we win
reirnbutse yoy for f". If there fs a. we trill pay
any tabs of the mt katot and at raIflo t? the first days
of that MarW*. AN otfnar fees wN the Mo*W as provated by
I* rules of #lie arfr#rabn firm laid app6** law_ However:
vre will ads or reireEuirse your fees N tfte arbitration firm
or artu"t AW dowmines hn Dow new firr requinnfl
us to do so, or h you aaak us area we 4dent* elwm is good
reaanm for dome so. W party wM bur ft a4wise of that
Pmt's attorneys, experts, and wftuos, and ocher o menses.
rWVdm of which Putyr M VW but a patty may recover
any or al erg from and party if the afthifrator,
ajYpiyrrsg apphcakile iaw, so determines,
Who =0 be a paw? Claim roust be brought in the name
of an utd t person or vw must proceed on
an individual (no Koss, none basics. The
afbbaaor Will shot award rAd for or agaittst aay one rho is
nM a }tarty. It you or we raquim mbbaboe of a aaim, n titer
you, we, fw any oftw person may pumm the CWm in
arbitrAion as a doss actions. ptivet8 ft i action or
other teptesetftime action, nor mr Usch tt be pursued
on yon or qtr bew In any Mig*W in any curt. Cfaerns.
be Oned or ONOOW*d in the safe drbOa3iun. H ro, t
autatfcants, co-?s milbodzed users on a sk*
3CCC A aA *W rMed a= M, of Corporate affitiates are
here corsidered as one person.
When is of mat east fiW? The arbihmes award
is furor and bk d M an the pares unless a party appeals it in
writing pt the arbitration firm whin filbert dayts of notice of
the aaard. The appeal tuner regUW a new NWZW before
a panel of tree lfet?ttaU arbibr desiptvadad try the suite
artnbaboa Mm Ttie panel w11 cw%Ww ad bcf W and ft el
issues anew 104ow ft sang rotes $9 b a proceeding
using a erbikafier, ad rtyaire deCisM based on the
vote of the N , Ckaft wW be allocated in tthe sauna way
M" ate a*x*d for won bAn a single arbitrator.
An award by a penal is &W and birmIng on ft parties after
fifteen days has passed. A heal and binding avrard is subiect
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It you tail to pay 1#te aotuurd that we thick you awe. we may
report you as delhA tem, However, d our n does
not satisfy you and you write to us wittun?te%V us
that you so roue to M. we must tell ar" we report you
to that you have a quesfion about your bA. And, we crust tell
you the name and address of aayt m to w om we reported
your account intctMUtion. We must td anyone we report
you to that the matter has been seed between us when ft i
firay se*d.
It don't follow these rules. we can't collect the first W
of the motioned amount, even 0 your bihbV statement was
correct.
$pecW ftk Asr €rftW Card Pw dram
If you have a problem with tNqof property or services
that you pwOzeid with a credit card, mW you have tried in
good fat to correct the problem with ttm merchant, you may
have the right not to pay the remahing amount due out the
property or services, Tbm art two lint lotions on this right:
• You must have made the pumhm in your home state ur,
if not wi ten your home sift. within 100 miles of your
current address; and
• The purchase prig must have been more than $50:
These lotions do not apply it we am or operate the
membant, or tt we rna*d you the advm*Rment for ft*
property or serves.
C 2005 (Sash Uskok L MA
80491M Pr. QTR 109W
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SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
hp
?HE
2012 APR 27 AN 9: 5 1
CUMBERLAND COUNTY
PENNSYLVANIA
Asset Acceptance LLC Case Number
vs.
Joanne S. Smolak 2012-2294
SHERIFF'S RETURN OF SERVICE
04/26/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search
and inquiry for the within named defendant to wit: Joanne S. Smolak, but was unable to locate her in his
bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Joanne
S. Smolak. Request for service at 1465 Hillcrest Court, Apartment 609, Camp Hill, Pennsylvania 17011
the Defendant was not found. The Camp Hill Postmaster has confirmed, Joanne S. Smolak has moved
and left no forwarding address.
SHERIFF COST: $48.00 SO ANSWERS,
April 26, 2012 RON R ANDERSON, SHERIFF