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Home My WebLink About04-5038US BANK N.A. Formerly Known As F1RSTAR BANK: IN THE COURT OF COMMON PLEAS N.A., Doing Business As ELAN CARD SERVICES : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff : v. : NO. STAN E. WAGNER : CIVIL DIVISION - LAW Defendant : 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 filing in writing with the Court your defenses or objections to the claims set froth 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 with~ut further n~tice f~r any m~ney c~aimed in the C~mplaint ~r f~r any ~ther c~aim ~r m~ief requested by the P~aintiff. 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 TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 US BANK N.A. Formerly Known As FIRSTAR BANK: IN THE COURT OF COMMON PLEAS N.A., Doing Business As ELAN CARD SERVICES : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff STAN E, WAGNER Defendant : NO. 014 -- : CIVIL DIVISION - LAW COMPLAINT The Plaintiff, US BANK N.A. f/k/a FIRSTAR BANK N.A. d/b/a ELAN CARD SERVICES, by its attorneys, KNUPP, KODAK & IMBLUM, P.C., bring this action of Assumpsit against the Defendant to recover the sum of TEN THOUSAND, TWO HUNDRED SIXTY-SEVEN DOLLARS AND THIRTY-ONE CENTS ($10,267.31 ), along with interest thereon from June 19, 2004, upon a cause of action of which the following is a statement: I. The Plaintiff, US BANK N.A. f/k/a FIRSTAR BANK N.A. d/b/a ELAN CARD SERVICES, is a corporation organized and existing under the laws of the state of Illinois, having mailing address of Post Office Box 790408, St. Louis, Missouri 63179-0408. 2. The Defendant, STAN E. WAGNER, is an adult individual residing at 188 Bloserville Road, Carlisle, Cumberland County, Pennsylvania 17013-8935. 3. Defendant didapply foraVisaAccountwitb Plaintiffon oraboutApr}l 1. 1993. Subsequentthereto, Plaintiff issued same. Upon receipt and use of said card, Defendant did agree to abide by Plaintiffs terms and conditions for the card. 4. Defendant did, at various times, in various places, and for various amounts, avail himself of using the card for credit, thereby creating a balance due and owing in the amount of Eight Thousand, Four Hundred Fifty-Eight Dollars and Fifty-Seven Cents ($&458.57), as set forth on Plaint/fPs Affidavit attached hereto, marked as Exhibit "A" and made a part hereofi \US ER\STACY\CCP COMPLAINTS\WORK~USBANK30604VISA.wpd: 16Aug04 2 AFFIDAVIT COUNTY OF ST. LOUIS 1 t ss STATE OF MISSOURI J Stephanie Roland, being first duly sworn, on her oath states: 1. That she is Recovery Manager for US Bank N.A (f/Fda Firstar Bank N.A, d/b/a Elan Card Services) a National Banking Association of Wankegan, IL. (Bank). That the Bank is the Creditor. 2. That the Bank participates in a credit program known as MasterCard and Visa. 3. That at the time such credit card(s) are issued to each accepted Cardholder, there is mailed with and attached to the said card(s) a Credit Card Agreement wherein it is stated that the credit card enclosed is issued by Bank as Creditor to the person named therein as Cardholder upon certain terms and conditions, to which terms and conditions Cardholder expresses his consent and agreement by signing or using said card. Among the said provisions are the following: Cardholder assumes responsibility for all credit extended through the use of this credit card The absence of Cardholder's signature will not relieve Cardholder from liability for charges incurred through the use of this credit card. 4. On or about 04/01/93 a credit card account was opened for STAN E. WAGNER (Cardholder), being account number 4719-2308-0292-4792. 5. From and after the aforesaid date, the said credit card was used to purchase goods and services from participating merchants in the process of which pumhasas sales tickets were imprinted by using the aforesaid credit card(s). 6. That the balance due from Defendant(s) is, within the personal knowledge of Affiant, the sum of $8458.57; that said balance with interest thereon is justly due and owing to Bank; that no payments have been made thereon; that there are no offsets or counterclaims against the same, to the best of Affiant's knowledge and beliefi Dated at St. Louis, Missouri, this A/ day o f ///~ ~"~5~ ~----~ ,2004. ff~tepha~e Roland Recovery Manager Subscribed and Sworn to before me this /~q'/ dayof Not~ Public My Commission expires ~A~ OF MISSOURI S~. Muis My ~ion ~xpires 08/11/2007 Date: File ~: 0483-01: 1. Name..: Addr 1: Addr 2: City..: 2. Empler: Addr 1: Addr 2: City..: Attny.: 3. Alt...: N Comm..: L/Act: FCF 6/18/04 3/17/04 93 04-01481-0 U,S. Bank, N.A, Wagner F/N: 188 Bloserville Rd, Carlisle Alt B/I: 6/18/04 Suit: PRINCIPAL INTEREST C 8,458.57 539.96 P .00 .00 B 8,458.57 539.96 L/Fy 3/27/03 Send Letter Int Calc Text List R/List Misc His Debtor SUMMARY SCREEN 100 LSD GMG K Collection 4719-2308-0292-4792' Stan E. Jr/St: Mr. Phone.: 717-776-7001 KDAK MR:N X-Ref#: 00000 Next ~: 00751 PA 17013-8935 CDC Link #: 00000 Next #: 10578 5. Status: N NO CALLS 0/00/00 Jdgmt: Ph (B): Vet...: Gar OK: Attny~: F/Loc.: Spouse: o/oo/oo o/oo/oo Mdse Val: Active .00 .00 Garn: 0/00/00 A/FEES AD/COST NET BAL O/COST TOTAL 1,268.78 .00 10,267.31 .00 10,267.31 .00 .00 .00 .00 .00 1,268.78 .00 10,267.31 .00 10,267.31 Lst Iht 6/18/04 Rate 10.000% (Chk) Exp. Data Other NOtes Co-Deb Next PRint <RETURN> Update WP-Rv Quit tiS. Mcmbcr FD{C ~-;',2~ Il.x* ,~ - cA. ir~ Nv. uT u/^ CLASSIC VISA~, VISA GOLD, MASTERCAI:LD? AND GOLD MASTERCAI:LD AGKEEMENT "out." ~t~d "us") a~d yau. For purposes ct'the A~cc- Visa. Vis~ Gu~d. MasterCard. or Gaid MasterCard card (~hc 'B:nk C~d' or "B:nk C2rds") ~, ~s~utd xnd govcms cbc Bank C:rds and ~hc C~dir Account ,md conclins "Di*closuru~ Mad~ Pursuant m Tru~hq~- L~nding Acc." Th~ A~eemcnr supcr~edc~ ~n? prior a~ccments and discl~urc~ wh<h may have been ni~hcd m you pcrtaiomg t~ ~hc B=nk Card or Credit ACCOUNT AGREEMENT 1. l~yment of Amount of Credit You shall pay co us the amount o£all cre&r extended on ~c basis &thc Bank C=~ or thc C~di~ Account. Thi~ credic includes (=) crcdir for purchases of mercha,- · *e ~d se~ces and (b) cash ad~nces from the Ocdlt Account, exxendcd on cbc bayis or,he Bank C=rd, au~o- ~6e c~h nanffrr (AC~) t~ac~om, conv~menee check. ~e o~a UBANK~ machine or o~ automated ce~er machine ("ATM") ch~r does nnr bear the UBANK name char is sh~d by us ~ch o~her nlcmb~n of ATM ne~or~, or orh~r~he. 2. ~ent of O~er Cosu ~d Charges YOU ~ pay ~1 finance emro, htc c~rgc/, annu~ ~ees. ovcr-~mk c~c-s, attorney ~ceL and other fees. costs. =nd c~es des~ibed m cbc A~cemenc. 3. Lost or Stolen C~ds orConve~ce Chec~ You *hall aod0 u~ prompdy af Ios~ ac chet~ of the Bank a~he Cre~t Account. Notice s~auJd bc provtdcd ~a u~ by phon~ ~t 1-80U-~45-0934 or in writing [o us at P.O. Box 4342. PorcLa~*d. Oc%m~ ~208. -5. Canceliauon o£ Credit Account [, ~k oFc~c Dmk CarJ, ~om ~mct~,'~ choc~, or :he our ~cmand :n~ will surrcn6cr thc D~nk Card to any par6ciparmg B:.k Car~ merchant or b:nk upon Bank Card~ i~ucd. 5 Future to Extend Credit Neahcr ~c nar any uther bank ~h~ be liable For {~ilure to cxtcnd credit on thc b~65 oFthc Bank Card. thc con- ~cnie~cc check~, or cbc C~d~r Account. No Bank Card ,~crch.,nr sl~lJ bc liable [oc hilurc ~o honor thc Bank 6. A~uaJ Fees Thc annu:d [cc~ arc ~mnrcfu,dabJe ch~, rhac rnusc br paid annually by you a~ ~ong as your Credk ~counr open. See thc '*Disclamrcs Made Pu~tt~r ~ T~ch-in- Lending ~c(' below for ~di6~infornu~on on mnual' fe:~. 7. Credit Thc c~r lima csmb~hed [or ~u iS for ~ to~ o[ a~ C~dit Accoum cbar~s, w~ch include, ~d~our ration, charges for purchase, c~h ad~nccs. ACT ~ans- acdou~, crcdk extended by use oFATM~ and a~ other cb~s. &ese.and co~.ch~rgc~ t9 the. ~c Wc may. bur need not. complete'or au&~e Ba~ C~d. ACT, cash advance, ATM, or other ~mac~om on Crcdlr Account that would cau~ your ro~l Credit ~count ba~cc to exceed that c~dir ~a ~e &t "Di~ clo~s Mad~ ~nr to T~&-in-~nding Act" below for infom~on on thc o~r-~mk c~ ~at wi~ bc cha~ed to thc C~dir Accoufl~ i~ yo~ credit li~r 8. ATM Use a. You ntay usc your Bank C~d ro obtain cash your Crcdk Account of up ro ~00 per day ar ATMs ~or pu~os~ o[der~rnun;ng wh~thcr ch~ ~c or at~cr 5 p m on any day, incktdi~g g, aturda¥'~. 'Sun- days. and hotid.:?~ ~ dl bc ca.qdc~'d c~ ha~'c hccn made b. %u muse keep m strict con,donee d~c as~i~mcd pcr- son~ idenuficacmn number ("PIN"), ATM privile~ may bc canceled by us even rkough thc Credit Accoun~ 9. ~enn on the scaremcnc The "Minim um Paccar Duc" i; the leis ~he "Pat Duc Amore. ~s less than Si(). the "Mira- mum ~mem Duc" ix d~e full amount of the "New B~ant c ~ho~ on rhe pcrzodlc scaremcnc, lt dlt. "New B~ancc~' 1~ thc "~r Due ~nounc/' is Sl/) or mort, o~ $10 or 3% oF thc di~er~ce between the "New B~cc" and ~ "Past Due Amn~aC' The "Current Due" amount is ~hen rounded ro &c nee hight do~2c We ~e~e d~e fight co require your pa~cnr by ~e "Pa~cnt Due Dar=" o/any aaloun~ exceeding your ~e~t ~r in addiuon to thc "~{mm ~n r Due," b. Paymen= on your Crcdlr ~count should be re=led to ~hc ad~ ~own on your peNodic im~cmenc and w~ be e~ffred ~ o[~e date rccelvcd if~ceivcd at ~ac add~l~ by 7 a.m. aa a bu~ncu &ay. Pa~en~ t~ccivcd after ~at dee ar &at addrcii ~ bc credited on the next bmine~ ~5 ~lten= dcllvercd or m~lcd co our odler businea Iocariom may nor be cre~red until up ro five da~ ~frer they arc eeoc:veal. Our pomng ofiny pa~icllr on your Credit Account Is pruvisia~ subjec~ go final I0. LiabLUq¢ for Co]Ice.on Costs o,,,..cd or '!1~ Crcd:~ Acco~r~ you ~ ~ h.l~k' for 1 l. Over,afc Protection Pfi~leges If you ap~ly for ~d are ~;~ :cd ACT privile~ your Crcdir Accoun~ ~d ~ de~i~ed checking ~his scc~on s~ be a ~rc of ~he A~e~mcm: ~. ~ou auchon~c us eo con~p}=;e ACT cransacfioni m~ automa~c c~h ~ti~} ~m your Cr~ir co your dc~i~ed chee~ng accoun~ o~ tach ~ounu · ~ m=y be n;cc~ co p~enc ~e chec~ng account 8ring ove~. Thc amount ofeac~ ACT rramac~on wilI be a cz, h advance from your Credie Account b. ACT t=n~ctions lFom your Credi~ Account co your deC,ced ekeeklng ac'coun; ~i~ be subjec= ro dady or other ovc~rafr, wtd~. and ACT limleanom which may change F~m rime co nme. c. ACT tnnsaefion~ ma), be made by m in nlultiples of S23 re,or, ess of cbc ~ounc of the ovcrd=Fr and will ~¢ made o~y up ro cbc unu;ed portion of your credit liner. d. ACT pfi~Icg¢~ may be canceled by ua even fl~e Credk Account or related p~e~ a= ,or canceled. 12. ConveNenee Che¢~ ~. I(we pro~ convenience chee~ ~o you. you ~y u,e the conve~flenee chec~ ~ ~tni¢h you to p~c~e porclon ~[ thc c~dic limit on your C~c ~count. b. Thc ~ount o/each convenlencc check ~I be c~h ad~ee ~om cbc Cr~ ~coun~ for wNeh we ~ cMr~ ~u a cash ad--ce (cc ou the ~ce it is prcscnced co us (or pantene. Convenience chec~ cm be ~ed like o~in~' check, bu~ cannot bc u~ed co make any paym~u on the Cre~t Account. c. Wu rescue the floc to di~onunue ~he convc~cncc c~eck sc~cc and ~ur u~ of convenience chec~ at any- pfi~lcgcs. d. You will pay Rcmm Convenience check char~s and stop payment cha~cs sec for~ in ~e "Disclosures ~de Pursuant co T~ch-in-Lcnding Act" below. Ra~hcr, o,~r Check Sar-ekco?lng scr,'<e ~,~1[ ,Ip~Iy a,ld dered correct ~d we ~5ll hOC be ~ponnblc for ~ (I) you f~l to noti~ us ~tNn s~ (6fl) days or,he n*a~- lng ~t= of thc s~temenc and av~abili~' o/convenience chee~ con~ng my fo~, alrenfion, or unatlsho- rized ~i~at=re on ~e check: or (2) any gonvcmct~cc chec~ are (br~d or ~d in a ~nner nor dc~rc~=Nc { check, even lFrhe cheek is p~entcd thc pavmene bct~,r~ i= ~c. u~s you noti~ us of thc posr~,ng, Yo,,' notice ~ be effective 0~y iF ~c receive the nonce a~ P.O. ~ox 43aZ Portland. Ore~n ~20g (telephone 1-800q45-~34) in dine for~s to rc~o~bly act upen · : no,ce ~ you to ac~nrdy d~cfibe the ~nvenicnct- ch=ck, indu~n~ ~e number. &xte. and ~oune. Yo= unde~nnd tMt ~e exact igo~ation i~ neceas=ry For the Bank~ computer to idenfi~ thc convemence check. If you ~ve us an inco~ct, incomplete, or undme}y no6ce, we ~ nor be responsible for paymear oF thc ?nveni~nce check befo~ th= da~e s(atcd and we m~? cM~e your account = 0Kthe date wc pay &e 'check. You may make m o~ nodc~ w~ch ~ hpse within foutte:n (14) ~ ~ continued in wSting. ~thin t~c 6me. A w~en noq~e ~ be effective For six (6) montN. g. Exeepe = m~cd in the A~emem, thc Ut~Form Co~e~i~ Code md other appltcabl~ la~ and mits ~ ~pply to re~lar chec~ ~h~) apply (o convenience chec~ 13. Group Credit Life. Disabilig,, Unemployment Insurance Ii:you apply/ur creJi¢ h(c. ~ roJlr d~lablli~. ~ad in~ olu~l- celcd. Thc prcn' ~m for each moodily bi~ing PO. Box 4342. P""ba& Oregon ~2fl8. '~ may c.mcc: co you. Cmd~r h~('. credit ~bd~. and invohm[ary 14. Accelera~oa mtmcdiarely due md p~}~blc ~5rhou~ F~or nonce if you f~l co make pa~nen~ in arcord~c~ ~ ~ ~cnns of the A~cmcnc. We ~y.deby enforcing ~ ~ghr undcr ~ A~emenr ~qd~ouc [o~ing our ab~ ro en[~rce char secud~ documeu~ w~d~ ~u l~y haw Oliveted to us. we ~all have no secu~ of any ~nd to ~c~e :ny ~deb~e~ea on ~, C~dtr ~counc. 15, Ch~ge of Terns ~E MAY CHANGE A~ OF THE,~T~, FEES. OR OTHER TERMS APPlICAbLE TO 'YOUR C~ITACCOUNT ATA~ ~ME BY~ILING ~EN N~ICE TO YOU AT L~T 21 DAY,5 BEFOR~ THE ~FFECTIV5 DAT~ OF TH~ CHANGE. CH~GS$ OF T~ WILL APPLY TO ALL BALANC~ O~$TANDING AT THE AS TO N~W AND F~U~ T~N~CTIONS. ADVANC~ 5. AND 16. Porei~n Cu~en~ If you have r~cdon, on your Credit Account cu~n~ edger r~ U.S. Delby. Vi~ U~, loc,. or I~. Govemng Law E~ceet to cbc cxrcar t[-d'-:, ia~ m.,, : p~} thc A~ce- m~ar and your Crccir Account sk,x'~] bc governed by ~nd interpreted tn ~lccordancc w~ch thc laws efrhr 5r.~cc of O'egon. whether er not cou llve in Oregon. DISCLOSURES MADE PURSUANT TO TRLFI'H-IN-LENDING ACT 1. Conditions Uh~t'er Which a Finance I Charge May Be Imposed a.~C~h Advances Finance charges are cturgea to thc Credit Accou~n: on ea~h c~h advance z~ SoOn :~ cbc cash advance is rosced tO your Credit Accoum. h..Pure, e* ~ fin~c~ cha~es ;~ ch~ed on purchases if we rrc~e pa'tments and c~dits su~lcienr co pay your B~ce" each bi~ing cycle by ~e Pa~enr Duc Dare shown on ~ur billing s~tcment, which ~1I be nor lcss ~ 20 &~ &Uo~ng thc 5mremenc Clofing Dace. clc~ing date occun mon~ly and is shown on each mont~y periodic s~tcl~nc, Finmce c~cs a~ ch~d on each pu~sc ~ soon a~ &e purck~e is posted ye ar Credit Account if the "New BalanCe" 15 nor paid in fu~ by thc Payment Duc Dare each billing cycle. ,=hlclenc to p:y tl~c "New Babncc" (or the ous biihng cycle wcec received by the Payment ,:;Ecicn~ to pay thc 'N~' B~ucc" for the cur- b~lling cycle mi purchases. 2. Dete~adon of Bdmce on ~ch P~iodic ~ance Ch=ges May Be Computed Wc fibmrc a Forum* of thc fimance charge on your C~dit a. Balance of To gee the ave=ge daily balance of puaha~e~. ~e take thc bcgqmfing balance o( p~rchasc~ of y~ur Credit ' any pas~enn or c~di~ applied to purchases. Thi~ us cbc ~dly bahngc ofpurch~es. Then. we add up all ,thc ~ly b~ances =fpurch=es For thc billing cycle and di%de &e to=t by t~c number oF~ in ~he b~ng ~cle. This ~ve~ u~ fl~c ax'en~ drily bg~nce ofp~rchue~. aven~ dai~ baN~e ofpuec~es for the b~ng ~cle i~ con, tiered m ~ zm. however, ifpa~enm ~ su~en~ to pay thc "New B~mce" for file p~ous billing ~cle (= ~h~ on ~e face of the petiole s~c- mcn~) wcr= ~ceived by the Payment Duc Da~e shown b. ~ce of C~sh Adv~es To get ehe a~ d~y b~acc ofc=h ~vmc~ rake ~e beaming b~ance of~h adm~s of your C~ Acco~ne each day. =dd any n~' cash =dvmces. ~d ~ct any p~ymcnn or ~ app~cd ro ~h advances. Thi~ ~ve~ ~ ~e daily b~a~c ofc~h advmce~. Then we add up ~ ~c d~ly b~ances of cash adv~ces for ~he billing cycle and divide ~he mm[ by the number in the billing cycle. Thi~ Wes m z~c a~er~e ~ly b~ance 3. Method of Determimng Amount o£ Finance Charge a. Purchases r~lc ~vcr;lgc d.liIv [~.lL:~:c of'p~*rchzsc~ rbr rh~-bt~mg c~clc ~c result by :kc ,~=mber o(day~ m ~hc bdling cycle b Cash Advances There irc ~'o ~cl of FINANCE C~RGES tha~ (1) A c~h ad~ncg fcc ,FINANCE C~RGE) o/ m~tcd to)lee machine ATM). = check dra~vn o~ your US Bank Creak Accoum. ,~u~omac:c ca=h transits (ACT', er ~ cash advance a~ another financial instigation: and O) Pcnod;c finance chargc~ arc charged on each ca~h ad~mnce =nd are computcd by muk~plying ch~ avm~ ~ily b~nce ofc=h ad~=nc~ for cbc N~- lng gcle by ~he periodic rnte ihown on the ~c~ or,he periodic ~emen~ for rha~ bdling cycle and then by mul~pl~ng the ~ul~ by the hUm- bar of ~y~ m ~he bi~ing cycle. The ~m ofc~h ad~nce fee* md pcfio~c finance ch~e~ equ~ ~e fimce char~ for cash advances. c. F~ance Ch~ for ~e Accoun~ We add up ~he finance ch=~e for purcN~e~ ~nd =he F~nce c~e for c~ ad~mces, and (8c ~o~a] Is the ~ce c~ for the Cre~t Accmmc For any billing ~ck N ~hleh ~e to~ ~NANCE C~G~ would o~c~ ~e he,em ~.01 and S. 49 inclmwe, = mini- mum FIN~CE C~RGE ~f SS0 ~11 b~ a~e~sed. 4. P~o~c Rate md Co~e~pond~g ~u~ Percentage Ra~e a. Cla~c Vi~a and M~erC~d The peNodic rite md corresponding ANNUAL PER- CE~AGE ~TE ~a( wc usc re compute periodic finance cha~c~ on your Credit Account ~ be ba~cd on ~e "P~c ~te" and may ~h~ng= monday. For each bdhmz o.'ch:, wu u,~' ,m ANNUAL PERCENTAGE d~c ANNUAL PERCENTACE RATE u'Hl bc be,cd m~ ~¢ccmbcr ~. 19~l~ thc Prbn¢ R:¢c t~ ~ 5.25% per ~mmm Thu~. cbc ANNUAL PERC~AGE RATE d.uly periodic ~c ~or.t blllin~ cycle tha~ ends in J.mu~ry b. Vis~ ~]d ~nd Gold MasterC~d The periodic ~ .m~ corrc~pm~dmg ANNUAL PER- fin~,cc cha~'~ on 5our ~r.-dic Aero,tit ~il] be bdlh~g cycle. ~x.c usc an AN~AL pERCENTAGE RATE equd to Z4"., per .xmlulll pkts the "Prime S/~.et./,,~n~a/a, in c((cc~ on thc 23th day of thc mond~ preceding thc tt~ond~ in x~Htch thc billing cycle thc ANNUAl' PERCENTAGE RATE will bc ba~cd Th~. the ANNUAL PERCENTAGE ~TE and &il)' pedodlc ~¢~ for ~ b{~ing cydc r~ac cnds inJ~nu~ry ' lg~ will be 15.k~'g, ~nd .(~2~8, c. Comput~on of Ped~ic Rate If ~c ~11 S~cctJonma/idcndfie~ more chun one value for the Prime Rate ~ in effect o~ t~c ~ ~y of any ~n~. we u~ cbc ~cst ~ue identified ~ ~e Wall SrreetJa,mal in co~pufing thc ANNU~ PERCEN- TAGE ~TE. We compuw thc periodic rate by fivid- ing the ~AL PERCR~AGE ~TE by 365 (.3~ for billing O'dc~ th~ end in a Dap year). d. Paget ~e pe~odic ~te and coemspoa~ng ANNUAL PER- CENTAGE ~TE may increz~e or de~x~e monthly as the Prime ~te increz~e~ or dec~s. This ~y ~sult in ~ increase or deerex~e in your minimum p~yment. 5. Condido~qs Under Which Other Fees and Chargc~ May Be Impo,cd a. Annual Fee Sunday, or Itg~l h,hdny, b) thc cnd of cbc next b~ineu day. c. Ov~-~it Fee We may c~r~ ~ ovcr-limk fee of S20 if the of your Credit Account ¢xceed~ >~ur credk limit ar time during a b~ng ~dc. We ~1 charge tuffy o, ¢ over- ~t fee per b~ing ~le. d. ~d Pa~r Fee We may ch~ ~ur Credit ~eoum 520 if you ~w o~ a check or pe~au~ofized pa~cnt fl,~t is dishonored returned payment fees w~l be charged to your Credit 10. IL ~, Card Ruplacomcnt For .,g each kl~nk (':,trJ I¢< t~r .roJcm .md d~c I~'~ ~1/ bc f. Returned Convenience Check Fee because you ~ m dcfauk on you~ Credit Account. These g. Stop Pa~ent Chides %u ~'ill pay a s~op payment charge o( S20 thc each ~cnicncc check ~or wb: , you ~.~tc ~vcn a s~op pay- thc ~cop paymcn~ o~t~ is made by ~hc ~igmcr or'trial con- vcmcncc check. Thoc stop payment chargc~ will h. Copy If you request copies of cnnsaccion ~tip~. billing ch=rgc S5 per cop~; Thc~' u no copy chars~ for ch=~s will be cha~cd co your Credit Accoun~ as a put- NOTICE: SEE BELOW FOR IMPORTANT INFORMATION REGARDING YOUR RIGHTS TO DISPUTE BILLING ERRORS. YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE This notice contains important in£orm~don ab.out your dg:hu and our responsibilities under the Fair Credit Billing Acc. Nofi.C~' Us in Case of Errors or Quesdoas About Your Bill lf?x~u chink your bill is wrong, or if you need more infor- separate shct't ,~t Unict. d States Natio~113~nk of Or~gon. Customer Service. P.O. Box 4342, Portland. Oregon 12. · De~.cnbc cbc error and e~pLain, iFvou can. why you be[Jove r..hrrc i..s an crrcr I~-you need mort reform;- Il' you have authort2ed uc Jo p=~, your crcdtt carc~ bill schedul=d to occur. Your Rights and Our Responsibilities After We Receive 'rbur Written Nodce behove the bill was corrcc: We eau continue to bill you tar thc amount you qucs- uon, including finance char_~s. :nd we cnn apply any unpdd amoung ~mt your ~dit limit. %u do nor have lng, but you are s~ obliqued to pay th~ parts of your bi~ ~g ~ not ~ question. ffwe find tha~ ~ made ~ mistake on your b~. you ~U not have to Fay any finance ch~cs re, red ro any ques- tioned amount. If we did not m~kc a. mis=kc. }'ou may h:~ to pay finmcc cha~rs, and you ~ Mve to ma~e ' up ~ny mi~ed pa~cnts on cbc qucmoned ~ount. ht either c~e, ~ ~ send you a statement afdc ~ount you owe and the ~te ~t it is duc. lfyou fail to pay ~e amount that we think you owe. wc ~y r~o~ you ~ de~nquen:. How~er. if our e~la- about your b~. And. we mu~c tell you ~he name ofanv- 13. Spc'ci~ Rule for Cre~ C~d yt~u have: p~blcn~ wi& ~hc qualiw of propers_or ~vicc. th:~ you p~rcha~ed ~: crc~c ca~. ~d you /t~vc tdcd in g~od ~i~h zo coreco cbc problem ,,,crdunc. you n,~y hive ~hc ~t'.~,r ~rhin your home smc. ~Jdlln I~ miles of Thc purc~s~' pncc muse have been more ~n S50. 'fhc~c limi~dnns do lto~ ~pply 14. Ac'g, 31. 2004 IO:14AM No, 3144 P. 6 VRRIFICATION D~t~d: US BANK N~4. F/KYA FIRSTAR BANK D/B/A ELAN CARD S~-RVIC~5 By: ~ 30~0~ REC'D S EP 2 zl 20114 SHERIFF'S RETURN - CASE NO: 2004-0S038 P COMMONWEALTH OF PENNSYLV~-K[IA: COUNTY OF CUMBERLAND US BANK NA WAGNER STAN E VS REGULAR JODY SMITH , Cumberland County, Pennsylvania, says, the within COMPLAINT & NOTICE WAGNER STAN E DEFENDANT , at 1555:00 HOURS, on Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon the the 8th day of October , 2004 at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE CARLISLE, PA 17013 by handing to STAN E WAGNER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service .00 Affidavit .00 Surcharge 10.00 .00 28.00 Sworn and Subscribed to before me this /~ day of A.D. ~ Erothonotary ' ' ' So Answers: 10/11/2004 KNUPP LODAK IMBLUM D e p ~!~ Sheriff US BA~K N.A. Fonnedy V~mwn As I~U~TAR BANK N.A., Doing Business As ELAN CARD SERVICES STAN E. WAGNER Defendant TO: : 1N THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 2004-0~38 : CIVIL DIVISION- LAW PROTHONOTARY, COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PRAECIPE FOR DEFAULT JUDGMENT Enter judgment in favor of P laintiff and against Defondant( s ) S TAN E. WAGNER, named for failure to file within the required time an Answer to the Complaint in the above-captioned case and assess the Plaintiffs damages as follows: Amount claimed in Plaintiffs Complaint Interest from June 19, 2004 at the legal rote of 6% per annum Total $10,267.31 $282.31 $10,549.62 It is hereby certified that a written notice of intention to file this Praeeipe was mailed to the Defendant(s) and his attorney of record, at~r the default occurred and at least ten (10) days prior to the date ofthe filing of this Praeeipe. See Exhibits A & B attached. KNUPP, KOD~UM, P.C. Robert D. Kodak, Attomey for Plaintiff DATED: Judgment entered and damages aase~xt as above. Robert L. Knupp Robert D. Kodak Gary J. Imblum LAW OFFICES OF KNUPP, KODAK & IMBLUM, P.C. FILE CAMERON MANSION 407 NORTH FRONT STREET g Knupp POST OFFICE BOX 11848 (1909-1976) Robert H. Maurer HARRISBURG, PA 17108-1848 (1923-1998) Telephone: 7171238-7159 Facsimile: 7171238-7158 ernaih kki.lawi~verizon.net November 8, 2004 STAN E WAGNER 188 BLOSERVILLE ROAD CARLISLE PA 17013-8935 RE: VS: U.S. Bank, N.A. Stan E. Wagner "---._ No. 2004-05038 Civil, Court of Common Pleas Cumberland County, Pennsylvania Our File No. 30604 Dear Mr. Wagner: In accordance with Pennsylvania Rules of Civil Procedure 237.1(a)(2), we are enclosing herewith a Notice of a Praecipe for Entry of Default Judgment. According to the records as they are found in the Office of the Prothonotary of Cumberland County, you have not filed responsive pleadings to the Complaint filed against you to the above term and number, nor has any attomey entered an appearance on your behalf. Accordingly, we are forwarding to you the enclosed Notice which indicates that if you do not take action as set forth in this Notice, we, at the expiration of time indicated therein, will request the Office of the Prothonotary of Cumberland County to enter Judgment against you in the amount as set forth in said Complaint. Very truly yours, KNUPP, KODAK & IMBLUM, P.C. Robed D. Kodak, Esq. THIS LE-I-FER IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE RDK/kqb enclosure CC: LARRY S DOERING LEGAL ASST GALLAS & SCHULTZ 9140 WARD PARKVVAY STE KANSAS CITY MO 64114 #04-01481-0 US BANK N.A. Formerly Known As FIRSTAR BANK - IN THE COURT OF COMMON PLEAS N.A., Doing Business As ELAN CARD SERVICES Plaintiff STAN E. WAGNER Defendant CUMBERLAND COUNTY, PENNSYLVANIA NO. 2004-05038 CIVIL DIVISION - LAW IMPORTANT NOTICE TO: STAN E. WAGNER, Defendant(s) DATE OF NOTICE: NOVEMBER 8, 2004 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW· TH/S 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 TWO LIBERTY AVENUE CARLISLE PA 17013 (717) 249-3166 U8 BANK N.A. l~ormerly Known As I~IRSTAR BANK N.A., Doin~ Business As ~LAN CARD SERVICES STAN E. WAGNER Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 2004-05038 CIVIL DMSION - LAW To STAN E. WAGNER , Defendant(s) You are hereby notified that on j~.~' 7 (Judgment) has been entered against you in the above-captioned case. ,20~_, the following ludgmem entered in the mount of $10,549.62. DATE: /a- )-~q'Pr~/~~ I hereby certify that the name and address of the proper person(s) to receive this notice is: STAN E. WAGNER 188 BLOSERVILLE ROAD CARLISLE PA 17013-8935 A/ STAN E. WAGNER. Defendido/a Defendidos/as Pot este medio se le esta notificando que el de del 20_, el/la siguiente(Fallo) ha sido anotado en contra suya en el caso mencionado eta el epigrafe. FECHA: Protonotario Certific~o que la siguiente direccion es la del defendido/a segun indicada en el cetificado de residenda: STAN E. WAGNER 185 BLOSERVILLE ROAD CARLISLE PA 17013-8935 Abogado del Demandante