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Home My WebLink About12-62032121746 THIS IS AN ARBITRATION MATTER. ASSESSMENT OF DAMAGES HEARING REQUIRED. CORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE •~~.~ = , Identification No.: 41200 ___ '~- , R:. t~ ~`~ ~r~Y 1001 E. Hector Street, Ste 220 S ri ~. ;-~ c~ Conshohocken, PA 19428 ~='~~ `~ '- `~~~ 484/351-0500 -<yr ~- __, ;-; .,~ ~ ~~ c~ FIA Card Services, N.A. COURT OF COMMON PLEAS p. ~ ~, ~' 655 PAPER MILL ROAD CUMBERLAND COUNTY ~ a NEWARK, DE 19711 vs. SCOTT R RYDER 701 W SIMPSON ST MECHANICSBURG PA 17055-3716 DOCKET NO. :,~- ~ea~3 ~~v~f NOTICE 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 JUDGEMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 ~~a~~~ FIA Card Services, N.A., ) Plaintiff, ) v. ) SCOTT R RYDER, ) Defendant, ) COMPLAINT IN A CIVIL ACTION 1. At all times relevant hereto, the Defendant(s) was the holder of a credit cazd or other consumer finance account (hereinafter "the account"), which at the request of the Defendant(s) was issued to the Defendant(s) by the Plaintiff or a predecessor in interest of the Plaintiff, under the terms of which the Plaintiff or its predecessor agreed to extend to Defendant(s) the use of its credit facilities. 2. Defendant(s) accepted and used the account so issued and by so doing agreed to perform the terms and conditions prescribed by the Plaintiff for the use of the account. 3. The Defendant(s) received and accepted goods and merchandise and/or accepted services or cash advances through the use of the account issued by the Plaintiff. A true and correct copy of the Chazge-Off Statement is attached hereto as Exhibit "A". 4. All the credits to which the Defendant(s) is entitled have been applied and there remains a balance due in the amount of $14,872.97. 5. Plaintiff has made demand upon the Defendant(s), who is in default, for payment of the balance due but the Defendant(s) has failed and refused, and still refuses, to pay the same or any part thereof. 6. Defendant's last payment on account was made on 03/25/11. WHEREFORE, Plaintiff claims of the Defendant(s) the sum of $14,872.97 plus applicable court costs. GORDON & WEINBERG, P.C. BY: FREDER WEINBERG, ESQUIRE JOEL M INK, ESQUIRE Attorney for Plaintiff PBOA.1 FIA Card Services, N.A., Plaintiff, v. SCOTT R RYDER, Defendant, VERIFICATION The undersigned does hereby verify subject to the pena~ies of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities, that he is an authorized agent of FIA Card Services, N.A., the Plaintiff herein, and that he is duly authorized to make this Verification, and that the facts set forth in the Complaint in this civil action are true and correct to the best of his knowledge, information and belief. Dated: SEP 1 3 2012 Affiant Name (Printed): _Deon Wilkes Affiant Name (Signature): 2121746 Reference No.: Bank of America . . Account Inforrr-atbn: www.hankofamerica.com Mail billing inquirbs to; Bank of America P.O.Bax992'~'5 Fl Paso, TX 79995.2235 Mail payments to: Bank of America P.U. Box 15019 ~~lmington, UE 19988.5019 Customor Service: LA00.799.8701 11.900.3483179 7TYj SCOTT R RYDER Account Number: 4888 9303 0919 9765 July 24 -August 23, 2011 New Balance Total ...................................................................$14,872.97 Current Payment Due ....................................................................$519.00 Past Due Amount .......................................................................33.320.00 Total Minimum Payment Due .......................................................$3,829.00 Payment Due Date ........................................................................9/19/11 Late Payment Wamirtg: ff we do not receive your Total Minimum Payment by the date listed above, you may have to pay a late fee of up to $35.00. Total Minimum Payment blaming: tf you make only the Total Minimum Payment each period, you will pay more in interest and rt will take you longer to pay off your balance. For example: Previous Balance ......................$14,498.63 Payments and Other Credits .....................0.00 Purchases and Adjustments ....................0,00 Fees Charged .................................................35.00 Interest Chatted .........................................339.34 New Balance Total ......................$14,872.97 Total Credit Line ..........................$12,700.00 Cash Credit Une ...........................$3,900.00 Statement Closing Date ...................8/23/11 Days in Billing Cycle ..................................31 Tiansectbn Post/rtg Rererenca Account Date Dete Descdp[lart Number Number Amount Total Fees 08/19 08/19 LATE FEE FOR PAYMENT DUE Q8/19 4498 35.00 TOTAL FEES FOR THIS PERIOD 535.00 Interest Charged 08/23 08/23 Interest Charged on Purchases 339.34 08/23 08/23 Interest Charged on Balance Transfers 0.00 08/23 08/23 Interest Charged on Dir Dep&Chk Cashildv 0.00 continued on naMt pegs... 19 OIt487297OD38Z9Q00O04260QOQO48889303Q93t99765 BANK OF AMERICA P.O. BOX 15019 Account Number. 4688 9303 0919 9768 WILMINGTON, DE 19888-5019 New Balance Total .................... ..................................$14,872.97 Total Minimum Payment Due ..............................................3,829.00 Payment Due Date ..................................................09/19/11 SCOTT R RYDER Enter payment amount i $ 701 W SIMPSON ST MECHANICSBURG PA 17055-3718 , Check here for a change of mailing address or phone numbsrs. A'aasa pv-ide a//comscrions on the ret~ersa side. Mall this coupon alon): with your check payable to: aankot Americo ~:5 240 2 2 250i: ~2870309i99?65m if you would like information about credit counseling services, call 1-866-300.5238. ~lMPORTANT INFORMATION ABOUT TMIS ACCOUNT USI=-711 Rev. 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS Many times disputed charges are legitimate charges tlutt rusmmers may nntrecn~*nize or remember. Before disputingacharge,werecommendthatyouverifyafewtbings and make evet~y effort to resnlvr,. the clispnto with the merchant, Oftsn the merchant con answorynurquctstionsandstwi),vrosnlvewwdispute. Themerchnnt'sphononumbor may he located onyom• receipt or billing statement.. Has arrsdit pooled to,youraecount? Plraee allow up to 30 days from the date on yo m• credit voucher or uc6-nowlodgement k;tterfor the merchvrt credi t to post. • is the chargearamnuniani)-tn{ltar? ONI.B~fE Online -;tnkiug is availablt: ?A hnttrs a day, 7 clays a week and VVV allows you t~+oiewthe most recent activiTy on,yoru account P(~ONE j LSf{ti.2t38.0212 Forpromptsenicx;,ploaselutvsthemerchautraferencemm~berls) ~awtiiuhlo for the ch•ugo(s) in question. Check with otherporsmta authorized to use the accounC to make sure they did not makethe charge. Ttis posaihle that the merchants' M-ingt)ames and store names are different nr amounts ran easily he ronR)sed with s(milar rbarges or include tips. One wnv to check for the credits or to view transaction details is to look at your airoount statemonte online. ffyon are not sore-od in Online Banking, it is e,~syto enroll ueittgtho web address mithe iiront ofyour etatementor gire us a call. Ylpttstt remember. lfyon find an error. onyour blll,you must noti~q ue no later than t30 days afterwe sentyourfirst eGttement cm which the ermror problem appeared trt preserve your billing rights. PAYING INTEREST We will uotcharge intereston Purchases oaths next atatomentifyou paythe Nem BalancaTotal in foil bythe Payment Due Date, andyou had paid in frill hytheprevious PaymeniDue Date. We will begin cbargittgntterest on Balanrs Transfers and Cash Advances on the transaction date. CALCULATION OP BAIANGES SUBJECT TO INTEREST RATE Averarr.L)aily Balance Methncl (including nemPambases): We ralrulnte separate Balantxs tiubjer:t to nn Intrreat Rate) for Purchases and for oaclt Introductory or Promotional Offer 4'danco catt.9istittg of Purchases. We do this hy: i1) culcaktting a deity balance for sash cltt<yin the hillingcyrle; (2) adding n- the daily t><~4a[tces together; and, t3) dividing the sum of the daily halanc~ by the mtmher of days in the billingc~°clu. To calculate the dailybalance for each dt{1•in this statemet)t's billing cycle, we: (1) take the beginning balance; (21 add an amount equal to the applicable Dai]yPeriodic Rate mtiltiplierl by the previous day's daav balance; (3} add new Purchases, new Account Fees, land newTrnnsaction Pees: and ('4) st[hh'act appllc'tble payments attd credits. Tf arry da0,y balance is less iha[tzero me hreat it:te zero, Aye)age-alance Method (including new -alaoce Transfers vtd new CashAdvanees): Wo calculate separate $alancos 9ubjeet io an Interest Bate for Balancs Transfer, Cosh A[}ranres, nod for each ]nfrodatctory or Promotional Offsr balaare coruiatingaf Balance Trtnufcrs or Gzatt Advances. We do this by: (1) caknilating a clailybalancc for each day in this skuoment's billing cycle; (2) calculating a daily ltalance for each day pxiorto this statoment.q billing cycle that had a °Pre-Cycle hninnco"- a Pre-Cycle balanceis a Balance TrutsEor or a Cagh Advance with atransnction date print to this statamant'ahilling cycle btttaith a.pnstingdate within this statement's bi-ingcycle; (3) addin, aft the daily balances together; noel (#) dividingthe sum of the dai>,v balances by the number of daps in Iltis statement's biDirtgcycle. To calculate tLe daily balance fur each day in this statement°s billing cycle, we: (11 take the beginningbalance; (?) add an amount equal to the applicable Daly Period'te Rata wultiplied by the previous day's dai1vbatauce; (3) add new Dalance Transfers, new Cash Advances and Traaeaction Peas; and (4) snbGact applicubto payments and credits. If any daily balance is less than zero we treat i t eta aom. Tn calcu late a daily luilance for each clay pttinr. to this statement's bi0ing cycle that lu~ci a Pre-Cyr:lc balance; (1) we take chr. beginning httlanr..e atirbutstLl.r. so]el,Y f o Pre-Cyrlr, balance 1nhich uriR be zeta nn the transaction date othee firstPre-Cycle ha4lace); (2) add nn amount egntd to lice applicfthlo l7Etilp Peri[xlicRate multiplied bythapmtioas day's dailyhalanre; (3) and nrkl only the applicable Pre-Cycle balances and their related Triut;nrtirnt t~cK:s. We e~rlude from this calctdation all transactions postal in pre~doas billin;* t,TCIr.S. PAYMENTS DVe. credit mailed getymeuts as of the date rerzived, if the payment is: (1) rr-ceived by 5 p.m. local t ime at the acldrecs shown on the remittance slip nn the Front of your monthky staWmeoC (2) paid with a check drawn in U.S. dollars vn a U.S. fia.•tncial institution or a U.S. dolly ntonoy onler; and 19) sent in the return envelope with only the remittance portion ofymn• slalom art accomp,°u~ing it. Payments received bymaii altar 5 p,m. local time. at the ramittaure address on any day including the FtiymentDueDate;buttba# ot.hern•ise.meet tbeabove tequirameuts, willbecredited as oftLenext [lay. Pa)onents roacle online or hyphens wt'!lbe creditedss n[tbe date ofreceipt if madeby6 p.m. Central. Credit. for aqy other payments tray be delayed up to fivt days. No payment shall operate ~ nn occord and satisfaction without the prior written approval of one of our Senior Officers. Wo process most paymentchecks eluctronicnlly by asingthe mfortnation fnand nn your check. Each check au0)orizes us tocreate acne-time electronic funds transfer (ot process ices a, check orpaper draft). Rinds may I>a withdrawn ftomyour necountac soon as the same day we receive ynurpayment. Checks an; oak returoedte you. Por more information or t~) stop the electrnnie ftmds t.rtnsfer. call us at the m.mlx:c listed nn the front. Ifyou lu~ve nuthnrizerl ns to peyyo»r credit caul bill automatically from tirottr satdngs or rheciti[tg:tctuunt wilt ns,you ran stop the payment on any amount arou think is wrong. To stop payment,yonc letter moat tench us atlrast three hnsinoss days beforn the [wtomatic pa~m)ont is echotluled to occur. ~ i1QAII, Attn: Billing IngairEes PO Box 98'E236, SI Paso, TX 79flH8 When writing, pknse EnclndeYonrName,Accoant Nnmber,the ® Disputed Amount, Merchant Name, Ttuneaetion Date, and raferoncenumber ofthe dispaleditem m)dspecific details rugardirtg your dispute, ir_chtttingdates of contactvriththe merchcutt and the merchant's resgm)ae In each instance. Please inc)ade ail supporting documentation, inuludingsaies aocl cretlit voucLrrs, contrnctand pnE; loge return receipts ac proof pf any rohuos, TOTAL INTEREST CHARGE COMPUTATION Interest Charr~es accrue wdare compounded rn) a daiip basis. To deter)ninethe [ntorest Charges wo multiply each -elance 54ibject to Interest Rate by its applicable Daily PeriorltcRxte and that resultis mttltiplled by the number ofdayr in the h-Ilagcycle. To determine the total Interest l~targe fir the biting cycle, we add the Periodic Rate Interest Ghargos together. A DaiZvPeriodic Rate is calculated by dividingan Annual Percentage Ruts by 365. HOW WE ALLOCATE YOUR PAYMENTS Ifyotu account hms balances witfi ctifferent APRs, we will allocate the amount of ponrpayment agaalto theTotal Minimum Pa,vmentltue tnthe lowest AYRba4znces ttrot tincludiny transactions nutde after this statement). Pavmoutamonntr in o);cass ofyour Total Minima m Payment Doe w:dlbe applied to balanree with higherA PRs before balances with lower APRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE When using the optional Pay-by-Phone service,yoa authorize ue W initiate an eleckmnic payntant•frnm your account at the financial. institution you designate. Yomm~st authorize the amount and timing ofeachp~yment. For yrntrprataetion,we wfIl ask for security information. A fee may apply for expedited servlrs. To cancel, call as betOYe. the scheduled payment date. Same•dav payments cannot be edited or awcoled. YOUR CREDIT LINES TLe :total Creclitirne is the amount of credit available for the ucounE; however, only a portion of that is available for Bank CashAdvantxj<s. 7'he. Cash Gtedit Line is thaiamo[mt you have avaiL•~ble for Bank Cash Advances. Oenerttlly, Bank Cash Adv;utces consist of ATM Cash Advances, Ovecthe Counter (OTC) Cash Advances, Same•Day Online Cav h Advances, Overdraft Protection Cash Advances, Cash Equivalents, Returned Payments, :md applicable transaction fees. MISCELLANEOUS *Promotiotal Rate End Date: This date is hasecl on a future statement closing date, If you change your payment doe date, this date could change, Transaetiona nrast meet offer conditions in order to gtutliJ;v for the promotional rate. Por the complete terms and conditions ofyour account, consaltyoar CYeclit Card Agreemenk k7A C<ud Services is atradename of FIA Card Services, N.A. This aecotmt ie issued anti administered by FL4 Card Ssrvieea, N.A. Ifyourbitlingaddreas orcontactinformatiemhas changed, or ifynnr address is incotxect ue it appoara on this biB, please provide all mrreetinne Lena Address 1 Adclrrss 2 r-,it,, State - -- Ztp Aron Code & Home Pitons Area Code ~C Work Phone Bankof>America I 4888 9303 0919 9765 July 24 -August 23, 2011 Page 3 of 4 Trunsactlon Post/r~ Reference Arxaunt Oete Dote Desafptbn Number Number Amount Total Interest Gharged 08/23 08/23 Interest Charged on Bank Gash Advances O.pO 'TOTAL INTEREST FOR THIS PERIOD $339.3A 1 Total fees charged In 2011 $280.00 Total interest charged in 2011 $2,477.46 Yotu statement balance exceeds the Total Credit Line. To ensure uninterrupted use of your aceount, please make a payment to bring yoty balance antler the Total Credit line. There is no fee for being over your Tote] Credit Lme. Your Annual Percentage Rata (APR) is the annual interest rate on your account. Annul Promotional Promotional Promotbnal Balenee Mterest Peroentage Trenseotion Offer ID Rete End Subject to Chergea by Rate Type Date Interest Trensectlon Rate Type Purchases 27.24$V $14,667.77 $339.34 Balance Transfers 27.24~V $ 0.00 $ 0.00 Direct Deposit and Check Cash 27.24$V $ 0.00 $ 0.00 AdVanCe9 Bank Cash Advances 27.24~V $ 0.00 $ 0.00 APR Type DeTinitions: Raiy Interest Rate Type: ~ Variable Rate (rate may vary] SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor '7 FtA Card Services, N.A. Gase Number vs. Scott R. Ryder 2012-6203 SHERIFF'S RETURN OF SERVICE 10/16!2012 10:48 AM -Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on October 16, 2012 at 1048 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Scott R. Ryder, by making known unto himself personally, at 701 W. Simpson Street, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. /n~ AMANDA COBAUGH; EPUTY SHERIFF COST 838 00 October 22, 2012 SO ANSWERS, ~~ t RON R ANDERSON, SHERIFF i }: ~ ' ~ J 1 ~~: ~' i:' ~ f ~'.;'' ~ ~ f''i~~ ~ ~ ~~ 21217 4 6 GORDON & WEINBERG, P . C . '; ~~a~;~;~,;;r,`Ci C~U;~) .;' BY: FREDERIC I. WEINBERG, ESQUj~~~f ev'~'~,v'f"~Nf,~, Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 FIA Card Services, N.A. vs. SCOTT R RYDER COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET N0. 12-6203 CIVIL PRAECIPE FOR ENTRY OF JUDGMENT FOR WANT OF AN ANSWER ASSESSMENT OF DAMAGES VERIFICATION OF ADDRESS AND NON-MILITARY SERVICE TO THE PROTHONOTARY: Enter judgment for want of an answer for plaintiff and against defendant (s} SCOTT R RYDER above named only and assess damages certified to be calculable as a sum certain from the complaint, as follows: Principal $14,872.97 Costs (Complaint & Service) $203.75 Less: Payment on Account ( $.00) Total: $15,076.72 Understanding the false statements made herein are subject to penalty under 18 Pa.C.S.A. §4904, Unsworn Falsification to Authorities, I verify that: 0~ C~~~ ~~~ f~~g3~a3 ~ ` ~ ~~. ~ c~ ~~ ~~d 1. The last known addresses of the parties are: FIA Card Services, N.A. and that the last known address of defendant, SCOTT R RYDER, 701 W SIMPSON ST, MECHANICSBURG PA 17055-3716. 2. The annexed notice(s) of intention to file this praecipe was (were) mailed to all parties, defendant and to their record attorneys, if any, after default occurred, and at least ten days prior to the date of filing of this praecipe. 3. The said defendant{s) is (are) not in the military service of the United States or otherwise within the coverage of the Soldiers and Sailors Civil Relief Act and is (are) over 18 years of age. AND NOW, this __~ day of _, 201~.Judgment is entered in favor of the plaintiff(s) and against defendant(s) by default for want of an answer and d3~age~ass~d at the /'!gym of , $15,076.72 as per the above certific ion. / ~ / Y CORDON & WEINB RG, P.C. BY: FREDERIC I. W I~BERG, ESQUIRE JOEL M. FLIN /ESQUIRE Attorney for Plaintiff 2121746 GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 FIA Card Services, N.A. COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET N0. 12-6203 CIVIL SCOTT R RYDER 701 W SIMPSON ST MECHANICSBURG PA 17055-3716 NOTICE Pursuant to Pa.R.Civ.P. 236 of the Supreme Court of Pennsylvania, you are hereby notified that a judgment has been entered against you in the above proceeding as indicated below. ~L Judgment by Default $15,076.72 ~ Money Judgment $ LL Judgment on Award of Arbitrators$ LL Judgment on Verdict$ IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL ATTORNEYS: FREDERIC I. WEINBERG OR JOEL M. FLINK, ESQUIRES AT THI$ TELEPHONE NUMBER: 484/351-0500 '~„ ~.-~ ~`'` ,~'~O 1~ PROTHONOT~iiir+'"" 2121746 GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 91360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 FIA Card Services, N.A. vs. SCOTT R RYDER TO/PARA COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET N0. 12-6203 CIVIL NOTICE OF INTENTION TO TAEO; DEFAULT SCOTT R RYDER 701 W SIMPSON ST MECHANICSBURG PA 17055-3716 DATE OF NOTICE/FECHA DEL AVISO: November 8, 2012 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY AN 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 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. 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 32 S. BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 GORDON & WEINBERG, P.C. BY: FREDERIC N RG, ESQUIRE JOEL M. F ESQUIRE P10D