HomeMy WebLinkAbout13-0104
V~ ~i{4
2013 JAN -~ AMii~ 52
~~' P~t~NS LYA~ A ~Y
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
MIDLAND FUNDING LLC ~`vl ~ ~~~
Plaintiff No: 13- I ~~
vs.
COMPLAINT IN CIVIL ACTION
BETTY HARBAUGH
Defendant FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T. Molczan,47437
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
09780325 C A Pit ABR
Q,u,~ ~,1e3,`1`~ a~
(~# ~dg~ Soti9
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
MIDLAND FUNDING LLC
Plaintiff
vs. Civil Action No
BETTY HARBAUGH
Defendant
COMPLAINT AND 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 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 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.
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.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
CIVIL ACTION
1. Plaintiff, MIDLAND FUNDING LLC, is a business entity with offices located at 8875
Aero Drive, Suite 200, San Diego, CA 92123.
2. MCM's records show that the Defendant(s) BETTY HARBAUGH is/ are individual(s)
residing at 98 ASHFORD DR, ENOLA, PA 17025.
3. As set forth in records maintained on behalf of Plaintiff, this action is based upon a
credit agreement entered into between Defendant(s) and the original credit grantor.
4. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was
assigned all the rights, title and interest to Defendant's CHASE BANK USA, N.A. account
XXXXXXXXXXXX9239 (hereinafter "the account"). Midland Credit Management, Inc.
(hereinafter "MCM") services the account on behalf of Plaintiff.
>. MCM's records state that this action is based upon a credit agreement entered into
between defendant(s) and the original credit grantor. MCM's records further state that
defendant(s) used or authorized the use of the credit account but failed to make the payments
due pursuant to the agreement.
6. MCM's records show that the defendant(s) owed a balance of $11992.06 as of
2010-09-30.
Attached hereto are records regarding the account and/or payment(s) received.
WHEREFORE, Plaintiff respectfully requests that judgment be entered in favor of Plaintiff
and against Defendant(s) in the amount of $11992.06, togeth with interest and costs.
By
Weltman, Weinberg & Reis, Co., LPA
Attorney for Plaintiff
Page - 1
8551552827 AFFINDEBTMEDIA 09780325
Payment Due Date New eabnce Past Due Amount Mlnlmum Payment
10l25N0 $11,992.06 $2,744.00 $4,881.08
Account number: 5401 6830 7535 9239
. Make your check payeDle to:
chase Cab services.
Please wrke enaunt enclosed.
New address gr e+nail4 Print on beck.
5401683D75359239004681D601199206000000DDODD0007
o626zaexzznlgo ItrrIllrltrlrJrlr.LrllrrrLLrrrIlJr6rrllrrlJr771LJlrtl
BETTYJO HARBAUGH
98 ASHFORD DR CARDMEMBER SERVICE
ENOLA PA 17025-2331 PO BOX 15153
WILMINGTON DE 198865153
Inrlllrnlllurulrlrlrlurlrlrrllrrrllrrrrlllrlrrlrrlrltlrtl EX~iB1T
t: 5000 i 60 281: 209 30 7 5 3 59 2 39 ills
.~.~.
CHASE O t~1 Manage your account online: Addigonal contact Infomwaon
www.chese.com/creditcerds conveniently located on rovetse side
ACCOUNT SUMMARY
Account Nurt~er. 5401 8830 7535 9239
Previous Balance $11,666.16
Fees Charged +$25,00
Interest Charged +$300.118
New Balance $11,992.06
Opening/Cbsing Date 08!29/10 -09/2&10
Credit Access Line $10,500
Available Credit $0
Cash Access Line $10,500
Availffile for Cesh $0
PAYMENT INFORMATION
New Babrtce $11,992.06
Payment Due Date 10/25/10
Minimum Payment Due $445.00
Balance Over Credft Access Lme $1,492.06
Past Due Amount $2,744.00
Total Minimum Payment Due $4,681.06
Labe Payment Waming: Ii we do not receive your minimum
payment by the date listed above, you may have to pay a late fee of
up to $35.00 and you APR's vd0 tte subject to increase to a
maximum Penally APR of 29.99%.
Mlnlmum Payment Waming: ff you make only isle minimum
peymertt each period, you we pay more n interest and it will take
you longer to pay off your baance. For example:
ff you mite no You vriH pay off the And you will end up
additional charges bebrtce sfwlwn on paying an estimated
using Otis card and tMs statement in total ot..
each nwnth you about..
DaY...
Only the nanimum 36 years $41,471
payment
$511 3 years $18,411
(Savings=$23,060)
It you would like in(ormatbn about credH counseling services, call
1-886-797-2885.
The outstanding balance an you credit card acmunt is scheduled to be written off es a bad debt shoAly. As a resuh, your credH
bueau will tte updated with a negative sling 87at coWd lest for up to seven years. We can s011 help, but you need to cap us now at
1-888-792-7547 (collect 1-302-594-8200).
This account is closed and rw bnger available for use. If you have a balance remaining on the account, please continue to make
monthty peymerlts by the due date. Thank you.
FLEXIBLE REWARDS SUMMARY
Prevous Points Balance 0 Thank you for using the credit card that cams
Poktts Eemed an Purchases This Period 0 rewards that cart be used for travel, gilt cards,
Points Earned Through Chase Rewards Plus 0 casts, or merchandise. Remember, you can
New Total Points Balance 0 earn points by using your Fbxitlb Rewards
credH card for everyday purchases like
groceries. gas, and dngstore purchases.
You Chase Flexile Rewards credH card earns 1 point for every $1 you spend on purchases. Earn up to an additiortel 10 pofrlts
whib shopping online tfvough wvnv.dtase.com/rewerdsplus. Add auttlorized users, and sign up to have your monthry bills charged
to you card. too. Why not get rewards for all those purchases too? H's that single. Simply go chese.carrt/rewards to choose your
reward today! Redeem you points anytime, or just check out new offers at www.chase.corn/rewards.
ACCOUNT ACTMTY
Date of
Trartsadion Merdtant Name or Transaction Descrip8on $ Amount
Y
09126 n LATE FEE ~ ".. .... ~~ 25.00
TOTAL FEES FOR THIS PERIOD $25.00
~~ .
09!28 PURCHASE INTEREST CHARGE 192.29
09!28 CASH ADVANCE INTEREST CHARGE 108.59
TOTAL INTEREST FOR THIS PERIOD $300.88
This Statement is a Facsimile -Not an original
0000001 FIS333:18 D 13 1)00 N Z 26 1 W09R8 Page 1012 05888 MIA MA 08262 27170000730000628201
X ~`~
Address Change Request
Please provide infonnetion below only ff the address informafitxt tyn front is iltcorred.
Street Address:
City:
State:
Herne Phone:
Email Address:
Zip:
Work Phone: ---
To service and manage arty of your account(s), we, our reprosentadves, JPMorgan Chase
represeratetives, and/or afriliates, rosy cooled you at arty telephone number you provide to us. Please
refer to your Cardrnerr~er Agreement fw aridi0onal details abort the use of your personal inbnne6on
L and/or visit our website shovm below to provide us with addttartal cooled information.
''To contact us regarding your account:
ey Telephone: 7 ra,
® In U.S. 1-800.945-2000 /V~I "tVi
'. Eapeflol 1.888.448.3308 nand Inquaka to: Mall Pa cots to: VIStt Our Webstte:
TDD 1-800°955-9080 ~
Pey by phonst-800496.7958 P.O. Box 15298 P.O.9ox 15153
Oudids U.S. all calNct Wdmbtyton, DE 198505298 Wilminylon, DE 198885153
1-302-584-8200
fnlgrrnaNon Nsal Yaw Aaam
CrNNfry d Psrl6mL' You may make payments bg am d De optlms tl51ed baDw
The ambuntd your paymem steroid be at least your mmisum payment due, Gayame
In II.S. dl!an arM drawn or myabk Nrough a U.S. tawntW idthuthn or Nw U.S.
brendl d a ioraipn inwnLhl Imtmnbn.
You may make paymen6 by repuiar U.S. mad. Ssrd your paymem to the Paymems
adrea3 shdwn On this stakmenf. Your paymeMa by mall magi compy wuh the
imiiuclions on this sWhmam. Oo rot said rasp. K4iM your Accqunt number on
your check or money Omer. Paymems rtmst De atammpanfw M' me paymem coepm
in the envabpe proridC with our address vWON Ihmugh 1De emdope windorr, me
envelope cannot contain mpa Nan we Ddyment a couDOn: and tl1eR cdn be rb
stades. wpa Ulps, tape err Wrteapprldrld Included wall your payment II your
pdymeM i3 in. a.tadazld wile Ouf paymem '~.rl3tfnCDtlr13 xat M mad avaAaWe b U6
do any day by 5:00 p.m.lodl Nmeal out PaYmerd3 adred on mM sMlemeM. wewiq
rretl1 the peynerd to your Apeeunt ss of that day. a your payment M in aecortfame
wlm nor Paymxnl Mair¢clkan. Dm u road avaBMle to us ohm 5:00 p.m. kdl tlme
at the Pzym¢nIS addre6Y on IhM 6litemEm, wa will credit it tq yW1 Account d6 d
the next dMntlu day.
You may make Deymeets eMdrwicaliy Nroiph our websNe sham on NMsteMnem.
P we relive your comp WSO request an our weDad by5 D_m. Eastern Tl~tw. we wi'I
aedil your payment as d Nat day. tf we reeeas your Mgwal alter 5 p.m. EdSlem
Time, we wiA crodtt your wymant as d the treat eaMndw ley. !f you spealy a ldure
Hate in your rrquea wn vriN dmdn your wwrenr as d that day
rot all other paymmts or for any paymeMrype oboes for wtuen you tlo not Poi:ow cur
DaymeM instruedons, crodlDnq of your paywwrtts may be dlayed fa eD b 5 dYS.
AaouM IMarwllue Ihaerhd m CrNN tarea¢ We may regal blfamaMn about
your Accpnm to credit Dmeaue. lak dw*enM, mksN payments or ceder tlelaUlta
rn your AccauM may x reiMunal M }roar aotlit report h you tMnk wa hwe reponetl
iruccuraw Mrorma+JOn m a credit bureau, you may write to us at the Ilpoirwa address
shown on rtes aahment
To Service and Manage Aq of Ymr Amountlat We, our rgresdnWwos, JPMorgari
Chars rePrnaantntNS.s, anNor atAMOtes, may cDntad 9wu M any IeMlmaw number
you provide to us. Please refer to your Cartlmsmbar Agreement la adoidond details
about the use or your persael infamanon.
Notke Noel EMeMMe Cbedr Ceerarden: WMn you ceY by check you auNOdze
us elver to Use altermatlm from your check to make a o~Nme e!ecimde runt
ifanal¢I irpm yOUf BCCCUr1t a io DroCeas the paYmenl Ba 8 c113Ck IradamiDO. Wean
va urn inlormalidn from your uMck to meM an dectrwic runt trazela, lands trey
bo veitMrawn imm your xewM as aoan as the same day we md(ve your payment.
zed W ~ wiil opt relive your checc dGk from your IMancial trnlilYibn. Gp the
CnsiDma $efvll IIUnIbN al Uls Ynkmenl h yew haW graiWn9 dMYt dedDanb
check cakectrat cr d rwt wam your pawned cdlacMd elochonicalry
CoNitlowl Paymome: Wry payment yleck a nest form d payment Net you send
us icr Mss Ilprl ins Iep Dalanl dl Dal M markW °pad in irm' a CPM.ainS a similar
noWnort, a :hat yw ohrerwise termer in tap saliAackun ul a disDUMd ampunl,
must to sent to LaM Servu:as, P0. Boz 15044, Wmninpmn. DE 19050-5016. We
reserve all a~r nghta r¢gardMg tfrel payments (e.g.. a i[ M dtermined [hare M ro
valid dtspde or •.I any cunt deck ~s rBCeiv¢d at arty oter addres, we may accept
Ne check ant you wit die owe arty romdnmg baWwe). We may rotors b accept
any seen payment by rturFnp N to you, nd raWNnp d a destroying it. AA Omer
pdymeM6 Ihm W u maker SMUIC d beef CD in! reaL'Mr Payrntm dtldfab3 6110Wn w
Nis statement.
Anneal Rsmwal Notlm: if yen AccmrM Agreement lugs an annual mumDemtap fee
sod/or slmiW charge Imiesuarrd or aaragah6ly d ypuraccatM, tt will De oitlN sash
yeor or in mnnmy a quartery InsW!mans. ThM ke an6br onarge are owed whether
m not you use your Account, and WU agree to paY them when bilMd. The annual
fee orb rJrary¢ aro non-ahrdaD!e umeas yon MDIy Us that Wu wish ro cbae Wur
a[LOaM wahin 30 days or one Ikl!inq cyc:e (whisiwror a lesil char we Provide me
sWement on whkh dro mewl lea a charge rs billed and at Ih same Dme, you pay
your outshntlinp bawnl in toll. D you do ihfs. lpr a charge bilb0 mom oNen than
annudy cult as a mamrly srwMe charge, yon wa not eve the Md o!iled charge,
howma, q!or bdlec cfiazpes are nomreb,•ndabla and mW be paid as part of paying
your autstazrdip baMnce in full. Vdnr {eyrtent Pf tea amruai lee a crerpe does not
aftaa our rkfu ro cbse Wm Ar.lnt and m imi7 yrur ngM m nuke aamacdoha nn
yptir Account. II yom Accaxn is cbatd >m you a us, wa will instate Id imple th¢
annul fce andbr clerpe until you pay year outsMndinq dldnce in full and MnninaM
your Account relatMdhlp.
CalauMliolr of Bdaaee 6eblaa Iq MhrMt Rah: 7o Dgure Wur pengdlc (merest
cnarpes la each Dipilp cycM vAhn a day Deuddic rsals) aDplws, we use the qtly
Da!arbe meNad IaidNUq currant UazruaclMns). Ta fipuro you patodb interest
charges br salt wiling cycle when a nerahy periotlM tie(s) appMe, we use me
zverag2 daily bdMrrte method IMGNinp d:ran irerraaUrplls{. Pot err exPlanahon. of
elmnr mutlltld. or glstiae abod a paniwla iAbresl charge clculadon w yom
s^akmem. Oilers dd us l Ne ldl Iraq customer service pMre rranber Yskd above.
We dlcuWe perbdb Interest charges. using the aDDedbk penodic rates sperm
cn (his satement. aeparatey fa each ?eature (e.g., Daknl transler cnecka end
dsn advenee checks Crded Lamaclian"), Database, bafanda IrarrsiwY. cash
adwrmes, pmnrdDOrel beMnrss nr nvxMraa advarrds)_ 71we0 cdaWMre may
combine dilfwan d+agories wtlh NB sanre pertoNe ales. Yxiabb rates whl vary
wIN the market hatxd on de Prbne Rao la aucD Indz deadihed M your AccauM
AgroemeM). Than M a minimum M6aeN erarpe ot51.50 Saauch amouride6aibW
in your Account A9roanaa) in ant bakn9 qUe in which ymi owe ant perpdu;
interest dkrpes. RIIQ a IraMactlnn ke Mr eaG1 SGalee narNer, dell advance, err
check hatmadion, in Me amounts stah0 M your Aruxaurl Aq%aemenl, as it Huy be
amended. Tnae is a ledge hanaadian fen d 9% d tl:a II.S. dollar amnum d arty
laelgn I Wdeclion (a cunt anew) dKCribN in your ACCauM Apreemenrj.
How tp Avoid Paying irRaesl on Prudases: We Depin assessirry periodic interest
charges w a Irawecdon, tee, err Interort chspehom ttrodeha to Ndsd to your dly
Daixd uMtl your Acmum is paid in tali. as desafbed h your AccbtlM Agreement.
Your due die will be a nanumrm d 2t days fdbsktq pts uioae of each billing cycb.
Ypu can ewH pnr~.oeic imemM dx9es w new purdesae edwn dwy are fupt DnMtl
to a statement as deacflbN below, 4m gds des trot appy t0 bNance Var6fers,
cash adW rxea a oveMtaaadvateea. N you rodNe a curMnt momhy wMmenttMt
inclNas new putpw6eb and make a pdyrMrrt dW we radtve by Or date ardikM iM
Minimum PMment Is tlw br the! sglemeM, we w!tl nd chxga pedodk IMadat on
ant pomon M tlrosr rrew purcawses mat wa. dkicate mtcll payment to. so lore tt 1)
your alfleM SlakuttaA dlsu SnpwT Nil we reLmWd paytwnt Of iha endllig Ieidlld
fa your previous moMn'a aMhrtmit try the dk aN tDae As Aanknum Payment was
Cue OR t) alert Ibe ending bBland fa yow preai0w momhS stahmem wn Zero. II
you haw a balancer other than a ourdau balanco aN that diaxe cards a higher
peNOtlb interest rak, you may nm be cede h aul1M peMdb Irdreat larger on new
purchases n Wu ao not DaY Yaur balarrce in tuN eaGr mddr. Deduce we gereraly
aNOak prymeMS gral m me Daldbce wNtt Ilw nignesf pawodC !merest mk.
idbtl To Do tl Yau TAMN Yd FIN A Mialake M Yar iNabaed
11 you Think theta i3 an error on Ww St21wIkM, wont 10 w On a aaparole Sheet d
Cuatoma Sarwce, P.O. Box 152 yAlminglon. DE 1456-5289:
inyour MNec Dive us iM fotlondn0lMOmwibn:
• ACceum trHOrmaMn. Your name end Account MrmDer.
• DnIMr amount: T'ne tlnlMr amount of IM awpectN error.
• DeuripDOn d Prottkm. 11 you Ilw~k Siam is an ems on your D~,II, tleunDe
what you betleve is wrong anU why you be!Mae N b a rtdrMka.
You must cmtact us wAhln 60 dys eMr the error appaarud on your staMmen?.
You must roMy w d airy pbr¢ndl arom w vmting, You may pi! d, Dut n you d
ra are rbt regdrN ro MvesDAak ant It0Mdr71 errors and you may Data 1o Day tM
amDUM In gdestiCn.
While we investigate whdher a mt iMre has bin an error. the idMwirg are tub.
• We donor tryta Cdlem dce amoumm questMn, or apgrtyou az dlirrgwM on
thdamowc
• The charger in gnaslhar may remain on your shtorrenL and we may condone
in cnarg¢ yai iMmeSt m tNt arrant. out, It we deterrrN.ne Nat we made a
mistake, you wal nd have to pay Ne amount M puemial or any Mterest or
other lees rolakd to mat amamt.
• Weak Wu do not Dace to 7aY ttu: amnum M gtastbn, you are resDrxuUd¢ Mr
the remainder OI Wur Dalwxe.
• We car appy arty unpaid amount apairlsf War aedit ilmit
Yoar Rl9W N You Ad MarNieAN elver Car CnMN Card Purctwas
N W u am disrtistled wIN me gpod or services that you have purchased wdh your
Cretltl dM, and Wu havE triN In good idle M Cgnect Iba protaem w9n tbe merchant,
yqu trey lave Ne dpM not to pay N¢ remakanp amauM due an tlm pumdae.
rn ust tDla dgM. all of tDe W (owing must be true
t. Tha Omchase muM have been made M your Mow sate a wrlMn 1 W rhea
or Wur [anent mallhrp address. and tlw Durdrose prxY most have beat
more than R50. (Note: Neither d mace xx necessary it your purchase w•s
ba6e0 on an atlverti6anait Ww matlM to yW, a tl we own iM lmpany toot
sob you the goods cr SaNCe.i
2. Vou mull have axed Wur cro0it drd for the oumheo. Purhases orate wim
doh advances Fran an ATM or with a aeck rDat acdssses your credk did
Aclwa do not gwlify.
3. You must nm yet have furry paid for the pumhad
Ii all of the crhera aDOW ere mat and ymr am la dhsagsiwn WN Db purchase,
ooh ~U w in writing err Cwlomer Service. P(Y Rox 15299 WllmhgMn, OF
196505299:
While we irmstipak, the Same rules apply to ate disputed amount as dscassetl
above. ANer we IMiNr o W iMt3agalidt, we we te6 you our dewier. AI Ual pDinl, it
we Nink you ova an arrant anC you do not pay we nay ropon you es d!mquent.
rdA6?.91010
Statement Date: 08129!10 -09/2811 0
~ Account Number: 5401 6630 T535 9239
Page 2 of 2
:u
Total fees charged in 2010 $284.00
Total interest chanDed in 2010 $2,170.78
Year-to-date totals reflect all charges minus any refunds
aPdied to your account on ar after January 31.2010.
INTEREST CHARGES
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual t3aWnce Accrued
Balance Percentage Rate (APR) Subject To Interest Mtarest
Type 31 Days In Cycle Interest Rate Charges Charges
Purchases 29.99% (v) $7,549.96 $192.29 $0.00
Cash Advances 29.99% (v) $4,263.56 $106.59 $0.00
Baknce transkr 29.99% (v) $0.00 $0.00 $0.00
(v) =Variable Rate
Please see Infonnafion About Your Account Sectlon for the Cakulatan of Balance SubJeet to Interest Rate, Annual Renewal Notice,
How to Avoid Interest on Purchases, and other important information, es applicable.
This Statement is a Facsimile -Not an original
X 90D0001 FIS33338D 13 000 N Z 28 tOVOp/28 Pape 2ot2 05888 AM MA 09282 27110000730000828202
Verification
Bonnie Gohman, being duly sworn (or affirmed) according to law deposes and says that
I am employed as a Legal Specialist for Midland Credit Management, Inc. ("MCM"),
servicer of this account on behalf of plaintiff. I am a competent person over eighteen
years of age, and make these statements herein based upon personal knowledge of
those account records maintained on plaintiff s behalf. I am authorized to make this verification
on plaintiffs behalf. The facts set forth in the foregoing pleading are true and correct.
The undersigned understands that the statements therein are made subject to the
penalties of 18 Pa.C.S. §4904 relating to unsworn falsification to authorities.
DEC 12 2012
Date
Bonnie Gohman
OH 14
Weltman, Weinberg & Reis. Co., L.P.A
Page - 2
e 8551552827 "~AFFiNDEBTMEDIA