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Home My WebLink About13-09542158632 THIS IS AN ARBITRATION MATTER. DAMAGES HEARING REQUIRED. CORDON & 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 ASSESSMENT OF (,.,J -*~ r- ~~ ~ ~ ~--- N ~' ~' -C ~ c. ~ ~ ~ m c~- i FIA CARD SERVICES, N.A. 655 PAPERMILL ROAD NEWARK, DE 19711 vs. MICHAEL T CARMAN 5017 LENKER ST MECHANICSBURG PA 17050 ~- ~_ ~~ COURT OF COMMON PLEAS -± ~'' ..,, ~ CUMBERLAND COUNTY DOCKET N0. ~ ~-~~SLI ~~I 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 MP.Y 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 S ~,~~ s lU3` .~~ a ~( C~~ ao 45~ FIA Card Services, N.A., Plaintiff, ) v. ) MICHAEL T GARMAN, ) Defendant, ) COMPLAINT IN A CIVIL ACTION 1. At all times relevant hereto, the Defendant(s) was the holder of a credit card 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 Charge-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 $2,433.55. 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 05/22/12. WHEREFORE, Plaintiff claims of the Defendant(s) the sum of $2,433.55 plus applicable court costs. GORDON & WEINBERG, P.C. B Y : ,~ FREDERI WEINBERG, ESQUIRE JOEL M. FLINK, ESQUIRE Attorney for Plaintiff PBOA.l FIA Card Services, N.A., Plaintiff, v. MICHAEL T CARMAN, Defendant, VERIFICATION The undersigned does hereby verify subject to the penalties 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: FEB 0 5 2013 Affiant Name (Printed): Brandon Chamberlain _.____ ~ , ._ .._w- ,: Affiant Name (Signature): ~ ~___-- - '~"`l 2158632 Reference No.: EXHIBIT "A" Bankof America ~~ Account Information: www.bankofamerica.com Mali billing Inquiries to: Bank of America P.O. Box 982235 El Paso, TX 79998.2235 Mail payments to: Bank o[ America P.O. Box 15019 Wilmington, DE 19886.5019 Customer Service: 1.800.789.6701 (1.800.3463178 TI'Y) MICHAEL T CARMAN Account Number 9340 June 19 -July 20~ New Balance Total .....................................................................$3,933.55 Current Payment Due ....................................................................$150.00 Past Due Amount .......................................................................$1,050.00 Total Minimum Payment Due .......................................................$1,200.00 Payment Due Date ........................................................................8/lfi/11 Total Minimum Payment blaming: if you make only the Total Minimum Payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Previous Balance ........................$4,066,12 Payments and Other Credits .............. 150.00 Purchases and Adjustments ....................0.00 Fees Charged ....................................................0.00 Interest Charged ............................................17.43 New Balance Total ........................$3,933.55 Total Credit Line ..........................$11,300.00 Cash Credit Line ...........................$3,400.00 Statement Closing Date ...................7/20/11 Days in Billing Cycle ..................................32 Tiansectron Postir{q AefeienCe Account Date Date Description Number Number Amount Total Payments and Other Credits 06/30 PAY BY PHONE PAYMENT -150.00 -$150.00 Interest Charged 07/20 07/20 Interest Charged on Purchases 17.43 07/20 07/20 Interest Charged on Balance Transfers 0.00 07/20 07/20 Interest Charged on Dir Dep&Chk CashAdv 0.00 wnUnued on next page... 340 BANK OF AMERICA P.O. BOX 15019 WILMINGTON, DE 19886-5019 MICHAEL T CARMAN 5017 LENKER ST MECHANICSBURG PA 17050-2441 Account Number: 9340 New Balance Total ..........................................................$3,933.55 Total Minimum Payment Due ..............................................1,200.00 Payment Due Date ...................................................08/16/11 Enter payment amount $ . Check here faa charge ofmailingadrJress orphone numbers. Please pmurde a!! corrections on the reverse slab. Mali thio coupon along with your oheok payable lo: Bank of America 340rr~ If you would like information about credit counseling services, call 1-866.300.5238. IMPORTANT INFORMATION ABOUT THIS ACCOUNT USE711 Rev 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS Many times disputed charges are legitimate charges that customers may not recognize or remember. Befnredisputingacharge,werecommendthatyouverifyafowthings and make every effort to resolve thediapute with the merchant. Often the merchant can answeryouryuestionsandeasily resolveyourdispute. The merchant's phone number may be located on your receipt or billing statement. • Has a credit posted to your account? Please albwup to30 days from the date on your credit voucher or acknowledgement letter for the merchantcredit to post. • Is thecbargeoramountunfamiliaz? Check with other persons authorized to use the account to make sure they did not make the charge. It is possible that the merchants' billing names arul store names are differentoramounts can easily be contused with similar charges or include tips. One way to check foz the credits or to view transaction details is to look at your account statements online.Ifyou aro notenrolled in Online Banking, it is easyto enroll using the web address on the front ofyour statement or give us a call. Please remember:Ifyou finder erroroa yourbill,you must notifyua no laterthan 60daya afterwe aentyoarfirststatement onwhich the errororproblam appeared to preserveyour bilDngrights. QNI,IWE Online Banking is available 24 hours n day, 7 days a week and ~~~/// allou•syoutoviewthemostrecentactivityonyouraceount. PHONE I.866.266.D212 For prompt service, please have the merchant reference number(s) available for the charge(s) in question. MAIL Attn: Billingtagniriea POBox>~2235,E1Paso,TX79998 When writing, please includeYourName,AccountNumber,the ® DisputedAmonnt,MercbantName,Transactioallate,and reference number oFthe disputed item and specificdetails regarding your dispute, including dates of contact with the merchant and the merchant's response in each instance. Please include all supporting documentation, includingsaies and creditvouchers, contractand postage return receipts as proof of anyreturns. PAYING INTEREST We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Dne Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. CALCULAT{ON OF BALANCES SUBJECT TO INTEREST RATE Average Daily Balance Method (including new Purchases): We calculate separate Balances Subject toan InterestRate for Purchases andfor each Introductory or Promotional Offer balance consistingof Purchases. We do this by: (1) calculatingadaily balance for each day in the billing cycle; (2) addingall the daily balances together, and (3) dividing the sum of the daily balances by the number of days in the billing cycle. To calculate the daily balance for each day in this statement's billing cycle, ac: (1) take ihebeginning balance; (2) add an amountequal to theapplicable DailyPeriodie Rate multiplied bythe previous day's daily balance; (3) add new Purchases, newAccount Fees, and newTr,msaction Fees; and (4) subtract applicable payments and credits. Tf arty daily balance is less than zero we treat it as zero. Average balance Method (ittcindingnew Balance'Ihmsfers and nea•Cash Advances): We calculate separate Balances Subject to an Interest Rate for Balance Transfers, Cash Advances, and for each Introductoryor Promotional Offerbalance consisting of Balance Transfers or CashAdvances. We do this hy: (1} calculating a dailybalance for each day in this statement's billing cycle; (2) calculating a dailyhalance for each daypriorto this statement's bitlingcycle that had a "Pre-Cycle balance"-aPre-L~cle balance is aBalance Transfer or aCach Advance witi~ a transaction date prior to this statement's billing cycle hutwith aposting date within this statement's bUting cycle; (3) adding all the deity balances together, and (4) dividing the sum of the daily balances by the aumberof days in this statement's billingcyclc. To calculate the daily balance for each day in this statement's billing cycle, we: (1) take the beginning balance• (2) add an amount equal to the appUcabk Daily Periodic Rate multiplied by theprecious dayy's daily balance; (3) add new BalancelYansfers, newCash Advances and'lYaasaction Foes; and (4) subtract applicable payments and credits, If any daily balance is less than zero we treat it as zero. To calculate a daily balance for each day prior to this statement's billing cycle that had aPre-Cycle balance; (1) we take the beginningbalance attributable solely ta Pre•Cycle balance (which will be zero on the ttansactoa date of the firstPre•Cycle balance); (2) add an amount equal to the applicable Dally Periodic Rate multiplied by the previous day's daily balance; (3) and add only the applicable Pre-Cycle balances and their rel.•-ted Transaction Fees. We exclude from this calculation all transactions pasted in previous billingcyctes. PAYMENTS We credit mailed payments as of the date received, if the payment is: (1) received by 5 p.rn local time aL the address shown on the remittance slip on the front ofyour monthly statement; (2) paid with a check drawn in U.S. dollars on a U.S. financial institution or a U.S. dollaz money order; and (3) sent in the return envelope with only the remittance portion ofyour statement accompanying it. Payments received by mail after 5 p.m. local time at the remittance addrosa on anydaginctuding thcPaymcnt Due Date,but that otherwise meet the above requirements, will be credited as of the next day. Payments made online or by phone will be credited as of the date oFreceiptif made by5 p.m. Central. Creditforany other payments may be del:~yed up to five days. No payment shall operate as an accord and satisfaction without the prior written approve! of one of our Senior Officers. We process most payment checks electronically by using the information found on your check. Each check authorizes us to create a onetime electronic funds transfer (or process it as a check or paper draft). Funds may be withdrawn from your account as soon as the same day we receiveyourpayment. Checks are notreturned toyou. For more information or to stop the electronic funds transfers, call us at the number listed on the front Ifyou have authorizcxl us to payyourcreditrard bill automatically from your savings orcheclting accountwith us,you can stoptho pgymenton any amoantyou think is wrong. To stop paymenkyour letter mustreach us atleast three business days before the automatic payment is scheduled to occur. TOTAL INTEREST CHARGE COMPUTATION Interest Charges accrue andare compowided on a daily basis. To determine the Interest Charges wemultiplyeach Balance Subject to tnterestRate by its applicable Daily Periodic Rate and that resultis multiplied by the number of days in the billingcycle. To determine the total Interest Charge for the billing cycle, we add the Periodic Rate Interest Charges together A Dai),y Periodic Rate is calculated by dividinganAnnual Percentage Rate by3s5. HOW WE ALLOCATE YOUR PAYMENTS T[your account has balamea with differentAPRs,we will alkxstethe amountof your payyment equal to the Total Mirrimum PaymentDue to the lowestAPR balances first {includingtrnnsactionsmade nfterthis statement). Payment amounts in excess ofyour Total Minimum PaymentDue wUl be appUed to balances with higherAPRs before balances with IowerAPRs. IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE When usingtheoptionalPay-by-Phone aervice,you authorizeua to initiate an electronic paymentfrom your account at the financial institutionyou designate. You must authorize the amountandtimingof each payment Foryour protection, wo will ask for security information. A fee may apply for expedited service. To cancel, call us before the scheduled payment date. Same•tlaypayments+cannotbeeditedorcanceled. YOUR CAEINT LINES The Total CreditLine is the amount of credit available for the account; however, only a portion ofthatisavailableforBankCashAdvances. The CashCreditl.ineisthatamount you have avai1a61e for Bank CashAdvances. Generally, Dank CashAdrances consistof ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same•Day Online Cash Advances, Overdraft Protection Cash Advances, C1sh Egvivnlenty, Returned Payments, and applicabletransaction fees. MISCELLANEOUS '•Promotionnl Rate End Date: This date is based on a futurestatementclosing date. Ifyou chnngeyour payment due date, this date could change. Transactions must meet offcrconditiona in orderto qualify for thepromoRonal rate. For the complete terms and conditions ofyouraccount, consultyour Credit Card Agreement. FIA Card Services is a tradename of FIA Card Seniees, N.A. This account is issued and administered byFIA Card Services, N.A. Ifyonr billingaddreas orcoatactinfortnatioa hascltanged,orifyouraddress is ini;oneet as It appears on this bill, please provide all correctionahere. Address 1 Address 2 City State . ArcaCode & home Phone AreaCodc& Work Phone Banko#America ~~ 7ransection Posting Date Date 0720 o7~2a -8340 une 19 -July 20, 2011 Page 3 of 4 Description interest Charged Interest Charged on Bank Cash Advances TOTAL INTEREST FOR THIS PERIOD l7efeiexe Account Number Number Amount Jotal o.oo $17.43 1 ~ ~ ~ Total fees charged in 2011 $0.00 Total interest charged in 2011 $128.21 Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Promotional Promotionai Promotional Balance Interest Percentage Transaction OfferlD Rate End SubJectto Charges by Rate Type Date Interest Transaction Rate Type Purchases 5.008 $3,976.19 $17.43 Balance Transfers 5.008 $ 0.00 $ 0.00 Direct Deposit and Check Cash 5.008 $ 0.00 $ 0.00 Advances Bank Cash Advances 5.008 $ 0.00 $ 0.00 s WORLDPOINTS `~T ~D '„ .1~. tCt } • Y DI+18 LL 0 1 0 MONTHLY EARNINGS ! . 1 1 -J /~\. 0 BONUS POINTS THIS MONTH 1,023 POINTS AVAILABLE . , L 2)"13APR - 1 AN11: 22 6ui 2158632 GORDON & WEINBERG, P.C. ' U'U`1 sLAN COUNTY BY: FREDERIC I . WEINBERG, ESQUIRE PENNSYLVANIA Identification No. : 41360 JOEL M. FLINK, ESQUIRE Identification No. : 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 4841351-0500 FIA CARD SERVICES, N.A. COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. DOCKET NO. : 13-954 CIVIL MICHAEL T GARMAN PRAECIPE FOR ENTRY OF JUDG3MNT BY AGREEMENT TO THE PROTHONOTARY: Enter judgment by agreement for plaintiff and against defendant (s) MICHAEL T GARMAN above named only and assess damages certified to be calculable as a sum certain from the complaint, as follows: Principal $2, 437 . 30 Less: Payment on Account { $200. 00) Total: $2,237.30 Understanding the false statements made herein are subject to penalty under 18 Pa.C.S.A. §4904, Unsworn Falsification to Authorities, I verify that: 1 . The last known addresses of the parties are: FIA CARD SERVICES, N.A. and that the last known address of defendant, MICHAEL T GARMAN, 5017 LENKER ST, MECHANICSBURG PA 17050. 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. /7 c 1377 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 --L — day of 1 _ 20 13 Judgment by agreement is entered in favor o the IppTaintiff (s) and ainst defendant (s) at the sum of , $2,2 . 30 p e above certification. Prothono GORDON & WEI4RG, P.BY: FREDERI RG, ESQUIRE JOEL M. UIRE Attorney for Plaintiff 2158632 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 NO. : 13-954 CIVIL MICHAEL T GARMAN 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. LX/ Judgment by Agreement $2,437.30 L-Z Money Judgment $ Judgment on Award of Arbitrators$ LL Judgment on Verdict$ IF YOU HAVE ANY QUESTIONS CONCERNING THIS OTIC PLEASE CALL ATTORNEYS: FREDERIC I. WEINBERG OR JOEL M. LINK, ES MUES AT TH TELEPHONE NUMBER: 484/351-0500 PROTHONOTARY Department of Defense Manpower Data Center Results as of:Mar-25-2013 12:5&.52 SCRA 3.0 '�!••n ''r' Status Report Pursuant to Semicememben Civil Rielief pct Last Name: GARMAN First Name: MICHAEL Middle Name: T Active Duty Status As Of- Mar-25-2013 On Active Duty On Active Duty status Darts Active Duty Start Date Active Duty End Date Status service Component NA NA No NA This response reflects the individuals'active rt:Ay stallu bawd on the Active Duly Slate Date Lett Active Outy VtAthin 387 Days of Active Duty Status Dean Active Duty start Date Active Duty End Date status service Componert NA NA No NA This response reflects whom the individual ts8 active duty staWs within 307 days prsce ft the Active Duly Status Data The Merrnber or Ha+Ftsr Unit Was Waited of a Future Cah-Up to Active duty on Active Duty Status Dete Order Notification Start Oats Omer Notification End Dots stslue service Component NA NA No NA This response reflects whether the individual or hisRsr unit has received early notificaon to report for active duty Upon searching the data banks of the Department of Defense Manpower Data Center,based on the Information that you provided,the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Face,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. 4101 JL A61j- Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Marc Center Clove,Suite 04E25 Arlington,VA 22350 The Defense Manpower Data Center(DMDC)is an organization of the Department of Defense(DoD)that maintains the Defense Enrollment and Eligibility Reporting Systorn(DEERS)database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoO strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 at seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently an active duty"responses,and has experienced only a small error rate, In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherMse entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.m!VfagtpisIPC09SLOR.htrd. If you have evidence the person was on active duty for the active duty status date and you fall to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unfit they support. This includes Navy Training and Administration of the Reserves(TARS),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RDAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps), Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as an Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(dx1). Many times orders are amended to extend the period of active duty,which would extend SCRA protections,Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore,sore protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate (D: Z2714E2340DA1 D4 2158632 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 4841351-0500 35 FIA CARD SERVICES,N.A. COURT OF COMMON PLEAS 655 PAPERMILL ROAD CUMBERLAND COUNTY NEWARK,DE 19711 NE vs. DOCKET NO. : 13-954 CIVIL MICHAEL T GARMAN 5017 LENKER ST MECHANICSBURG PA 17050 JUDGMENT BY AGREEMENT AND NOW,thiQ4 day of RU 0012,it is hereby stipulated and agreed to by and between, MICHAEL T GARMAN and Frederic 1. Weinberg,Esquire,counsel for FIA CARD SERVICES,N.A. that the Court enter a determination in the above-captioned case as follows: I Judgment shall be entered in the amount of two thousand four hundred thirty seven dollars and thirty cents($2437.30)in favor of FIA CARD SERVICES,N.A.and against,MICHAEL T GARMAN; 2. Plaintiff, FIA CARD SERVICES,N.A. ,will agree to accept the sum of$200.00 per month from,MICHAEL GARMAN. The first payment of$200.00 per month shall become due and payable on No March 27,2013 and then on the 27th of every month thereafter until the Stipulated Judgment is paid in full; 3. In the event that MICHAEL T GARMAN does not make payments as prescribed in paragraph 2,they will be considered in default and the Plaintiff,FIA CARD SERVICES,N.A. shall be allowed to exercise any and all remedies available at law. 4. The Parties to this action have authorized their respective counsel and agent to enter into this agreement on their behalf and by doing so this agreement will be binding on both that MICHAEL T GARMAN and, FIA CARD SERVICES,N.A. its successors and assigns, 5. As a result of this settlement, if the amount forgiven or cancelled on this debt equals or exceeds $600.00,the IRS may require FIA Card Services to report the amount forgiven or cancelled on a Form 1099-C. You will receive this form for the year in which the settlement is completed. If you want advice about the potential tax consequences that may result from this settlement,FIA Card Services recommends that you consult a tax professional of your choosing. FIA Card Services does not make any representations about the tax consequences that this settlement may have for you or any reporting requirements that may be imposed on FIA Card Services. Date: !�—� MICHAEL T GARMAN Defendant Date: FREDERIC I. ERG,Esquire Attorney for P f I.D.#41360 1001 E.Hector Street, Ste 220 Conshohocken, PA 19428 4841351-0500 i 70 3 ;,j ymmmommEmEMMEMMEMMEMMEMMI :210111,1111L[1:11:211:3-1 2158632 GORDON & WEINBERG, P. C. BY: FREDERIC I . WEINBERG, ESQUIRE B ERLAND 1 Identification No. : 41360 PCN' aSYLvANIA 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 NO. : 13-954 CIVIL MICHAEL T GARMAN °— ORDER TO SATISFY JUDGMENT TO THE PROTHONOTARY: Kindly mark the judgment entered April 1, 2013 in the above- captioned matter satisfied upon payment of your costs only. GORDON & WEINBERG, P.C. BY: FREDERIC I . WEINBERG, ESQUIRE JOEL M. FLINK, ESQUIRE Attorney for Plaintiff P005 COAki- SQS�Cia e\g: SqS