Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
13-7207
Supreme Coug� Pennsylvania C if Comm '_on Pleas fi `1 For Prothonotary Use Only. CavitV-Gby,er, Sheet a 'J' C COUllty Docket No: 'J33 ry '- The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court. Commencement of Action: S Complaint ❑ Writ of Summons ❑ Petition ❑ Notice of Appeal Transfer from Another Jurisdiction ❑ Declaration of Taking E C Lead Plaintiffs Name: Lead Defendant's Name: T 5 ❑ Check here if you are a Self-Represented Pro Se Litigant 0 Name of Plaintiff /Appellant's Attorney: � - t - - -__ - - d - - -_ N Dollar Amount Requested: within arbitration limits Are money damages requested?: ,o Yes ❑ No (Check one) _� outside arbitration limits A Is this a Class Action Suit? ❑ Yes Ja' No Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution Debt Collection: Credit Card ❑ Board of Assessment Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance © Dept. of Transportation ❑ Premises Liability ❑ Zoning Board S, Dispute: Product Liability (does not include ❑ Statutory App Other E ❑ mass tort) � - - ❑ Slander/Libel/ Defamation Discrimination E -- - - C ❑ Other: ❑ Em to ment Di ute: Other � � - p ��, Judicial Appeals - - - -- T. E - -- - -- - - ❑ MDJ - Landlord/Tenant T ❑ Other: ❑ MDJ - Money Judgment MASS TORT ❑Other: ❑Asbestos ( -- -- - -- - — - N ❑ Tobacco - - ❑ Toxic Tort - DES ❑ Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Othe ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment � ❑Ground Rent ❑Mandamus - - -- ❑ Landlord/Tenant Dispute El Non-Domestic Relations ❑ Mortgage Foreclosure Restraining Order PROFESSIONAL LIABLITY ❑ Partition ❑ Quo Warranto ❑ Dental ❑ Quiet Title ❑ Replevin ❑ Legal ❑ Medical ❑ Other: ❑ Other: ❑ Other Professional: Pa.RC.P. 205.5 212010 IN THE COURT OF COMMON PLEAS OF j s =; I l �pf CUMBERLAND COUNTY, PENNSYLVANIA 2. 04 AMERICAN EXPRESS 4315 S 2700 W CIVIL ACTION c ) C RL +R GOU N CY SALT LAKE CITY, UT 84184 P ENNSyt.VANIA Plaintiff Vs. t 2— NO: JAMES BALL 6101 WESTOVER DR MECHANICSBURG PA 17050 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 to Defend 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 ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717 - 243 -9400 o 14,ff /;0? AR13010 L% IN THE COURT OF COMMON PLEAS OF • CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS 4315 S 2700 W CIVIL ACTION SALT LAKE CITY, UT 84184 Plaintiff vs. : NO: JAMES BALL 6101 WESTOVER DR MECHANICSBURG PA 17050 Defendant COMPLAINT Plaintiff, AMERICAN EXPRESS, by and through its attorneys, Edwin A. Abrahamsen & Associates, P.C., complains of the Defendant as follows: 1. Plaintiff, AMERICAN EXPRESS, (hereinafter "Plaintiff') is a corporation with a principal place of business located at 4315 S 2700 W SALT LAKE CITY, UT 84184. 2. The Defendant JAMES BALL (hereinafter "Defendant ") is an adult individual residing at 6101 WESTOVER DR MECHANICSBURG PA 17050. 3. Defendant applied for and received a credit card issued by AMERICAN EXPRESS with the account number ending in 2009. 4. Use of the AMERICAN EXPRESS credit card was subject to the terms and considerations of the Cardmember Agreement (hereinafter "Agreement "), a copy of which was sent to the Defendant along with the credit card. 5. Defendant used the AMERICAN EXPRESS credit card account number ending in 2009, for purchases, cash advances and/or balance transfers. 6. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card.(See, Account statements attached hereto as Exhibit "A. ") 7. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 8. The Defendant last made payment on April 12, 2013. 9. The total amount due and owing the Plaintiff is $25,855.36. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of $25,855.36 plus costs of suit and any other relief as the Court deems just and appropriate. Respe tfu" sub i ed, Michael . Ratchford, E quire Attorney I.D. Nos.: 86 5 120 N. Keyser Ave Scranton, PA 18504 mratchford @eaa -la .com Phone: 800-503-16 5 Fax: 570 -558 -5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, AMERICAN EXPRESS, am fully familiar with the facts set forth in the within Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. Michae atchfor , Esquire EXHIBIT A i DUPLICATE COPY Senior Member Gold Card �« JAMES A. BALL JR Cl.osrng hate 11/ 18/1z Account Ending 5 62009. _-- - - - ---- -- _ New Balance 189 87 Earn points on a #Ea #ya�tr $��• Puri hazes, eir�!>fere yotf use : , . Minimum Payment Due : $4,58Q:0 b t11eard.4 . Vint Hixuw artraCarte�ccpress cottWfiervards t Includes the past due amount of $4,000.00 Payment Due. Date 12!13%12 Account Summary s. yo Late Payment Warning ifyotrdo not °pay�r:Mt�ttmfn P rriert bue yGtr FaylrlfuN Portfwn yo rnayltavetopays. latefeeofupto35bQartda�PejrOrryteF 'Rms3(bg PrevKx�68aiatsCe fTT56$!38 rpereaseddo2Ete Pena APRQf 27 2A% a J P d ky s A ° \ f J _ iT ' Y P 1 rR•g/LsecSits 3,$8 New :flalarice 249YJfl(! - Fay Ovnr7t,rserrtion inimum.Paymenf.Wamtng If you make onlythe htinimum payment each period, : �tetirous Balance 12449U�2 ou will pay more in interest and it will take you longer to pay off your balance. F.or : pajrr�entslLre - it S icarnple. $Sd7:c3(1 'Netiw�7n � , Y f�Od ` Fees..: #SQ#10 you make no additional _ You will pay off the Pay.Over Arid for the Pay Over JnteriastCharged i . #S36S ges and each month you . balwxeshownon this. :balanceyou will payan fdew;$sitarxe' � :12424982•:, 1f • statement in about_. e ol stimated ttaof.: - - - - - twUdunum�ue $T 64D 00 Onlythe `--�— - =s-- MinimumPaymentDue 28years $52,559:: Account Total: preyiousBalance $36,0380 You would like information about credit counseling services, call 1 -88 &733-4139 PaymentslCiredits 49,21 D.88 ; .._New Charges. : See page 2 for im'portantinformation about your account.. Fees Interest thugeil ' +$305.95 Your account issenously past due. Pay the past due amount _ Netlrsal Immediately to avoid possible cancellation: NlinrmurnPaymentDue 54 saono ` ` �llrng Yetuld` 30 :.- _ See Page .5 for lrnportant Information About Your Account Custo Gare including lnformatiio'n regarding' benefits underwtitten by AMEX Assurance Company. pay byComputer amerrcanexpresscom/pbc .Please . note, your preset lineJs $M,406.,66.. You have spent $27,189 g7 111 . �uit�inerCate Qayb�rPisone , + 1 �Q0321T77 T $004729297: z rte, �e2ior 1 �t See atfdRiondi irlform�itott + Please fold on the perforation beiow,detach and return wrth ycwr payment '+ PaymentCoupon _ Pay byCornputer Pay by phone Account Ending 542009 - Do not.staple use:papet clips ameritanexpresszom/p'bc. 1-80D-472-92 97 :Enteral count number on all documents; Malre .check payable to American Fxpiess. illlliulliillllii l l tlli ill�IllNiiiiirlr�ll�uil�INlillll - .JAMES A BALL JR lytnernDue{�ate ' g 61,01.WESTOVER DR a2J1Ji; o MECHANICSBWRG PA 17050 -2373 s Neliv$alatt[e . �. • .. Y2�;189 f 54.58u ,+ 14tintmum Due ; '^ I oi ial tia I Ir 1 +In I i nil L li a I Ill ai III � ll . II II ��— Checkhereifyouraddressor AMERICAN EXPRESS .. ' phone number has cha nged. .. P.Q. BOX`1270 Amount Enclosed Note changes on reverse side-' NEWARK NJ 07101 0000..349990942678S76 002718967010458000.:15 rl.: DUPLICATE COPY c count.Eriding 5 620 p. 2/ A . Youj.paymeni tnust:tiesent to'the payment,addressshown on.yourstatement and must be received by 5 p.m. local time at thataddress to : be eredileil as of'the day it received'. Payments vie receive er.5 p:m: wiltnot.be credited to your Account until the next day: Payments must also (1 ) irickide the:remittance coupon from your statement, (2) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in U5 dolla and clearable th.ri 4,ftie US ban7cing systerh -and f3)irickide °your /iccounf ntirnlier: Ifyour payment does % not rneetA4 requirements, crediting maybedelayidand you: mayinciur late payment fees and additional interest charges. Eiea rorric ; payments must be made through an.electronic payment method:payablein.US:dollars and clearable through•the US banking system. if we accept payment rrta: foreign currency' we will convert it inio U5 dollars at a conversion rate. that is acceptable to us, unless a particular rate is requirisd tiyiaw. Pleasedo not send post-dated Fthecks as,they will be deposited upon receipt. "Any restrigive'language on apayment we accept will have no effect on Las without ourexpress priorwrrtten approval: e Willre- present to your financial instautiorrany payment that is returned unpaid.. If you have a Pap(5ver Time balance, you may pay more than the Minimum Payrtieiif Due up.to your MesvBalance. at any time: Piinds ion :fot Elikudnlc Withdrawal: (1) When you send `a check for payment; you give us permission to electronically withdiaw your payment from' Your deposit or other account Vie will proees3 checks electronically by transmitting ttieamount of the check routing. number;account number and,chesk senor numtiertayour financial institution; unless the essable electron' check is not proi caliy:ora less.costly process is available. Whenwe process your 66ck:electronkally, your. paynrent mdyb"ithd rawn:frbrn your deposit or other asset account as soon as the same day we receive your check, and you will not receive that cancelled check with your.financial account. statement. tf we cannot collect the finds electronically we may.issLie a draft agaiiufyour deposit or other asset account. for the amount;of the check. ,(?} By.wsirig :Pay ByCoinputer„ Pa Phone or,any.other electronic. ` payment seivice of ours you:give us perrriisswn to etettioniratly withdraw funds from.the depositor othei asset account you specify in the amount you rgquest -, Payments using such services ofouis received aker8`OO p:m. MST . notbe credited until the next day. Flow We Calculate Your Balance )Me use thL Average .Daily Balance (AD B)- :method (including new transactions) to cakulatethe balance on which we charge interest for_PayOverTime balances on your Account: Call the Customer Service number listed -below for more information about this balance computationrftethod and ttow resul[ing interest charges are determined:. The method we use to figure theADB and interest results in daily ' ' r tompooridirigo(inwest - - PaymglnWest Ifyou: haveaPayOverTamebalarrce;. yourduedateis :atleast25daysafterthecl of each billing period_ We. willbeginch,21 interest on ironsactions. added fo a Payy:Oyer Time balance as ofifm elate they added: However, we will not charge interest on charges added to a Pay Over Time bola nce automatically (formtpmple, Sign & frgvel orid Extended Payment Option) if you pay the Account Total New.Balance by the• due date each month Foreign Currency Charges ifyou rnakea Charge in'a foreign we will convert it Into on the date we be our agents Process it. We will charge a fee of 2 7°b of the converted US.dollar amount: We Willthoose a conversion rate that is a us foithatdate unless a paitizulariate is required by law,_ ;,Yhle corrvetsion rate we use is no more than.the:highestofficial rate published by_a government agency or the tirghest interbankrate We identify from customatybanking sources on the:ronversion date orthe . prior business day. This rate mwydiffer from rates inef(kit on the date of,your chagge, Charges converted by establishments will bebiiled at the, rates such establishments use. CredMBa'la'nce Aciediibalar)ce( designatedCR) shownflnthisstatementrepiesentsmoneyowedtoyoIlfwithinthesix- monthpenodfollotinngthe .:. date. of2he first staten envindicating the credit balance you do, not requesta or charge enough to use up the creditbalance, we will send you:a' check for ihe,ereditbalancewithir 3Qdaysiftheeinourais $1,OO.oC more- '.' Credit Reporting,, We may reportanfoririation abput yoat Accoyrit to credit bureaus. Late payments, missed payments or other defaults on yoiu Accounfimay be reflected ±nyour credit re pci L; Custotnertutre�l #rlhriglnquir(e$ i Qo.S2 8(!Q Henr4ngi�tpAfted T!( @bsite ip..Jcapee Pfesscogt ,IrtteFriatiortalCt►gect 336 - 3937117: :TTY 113219959 1Npbrte5i ilk amexm©bile < atri large PrurtV4�laille gkstements s l 8tt0'5 480tf Fl►x. t 806 fi95 A hostiarStoleanCard- _ :1-� 992 3A04 1nNY-7- 80p -sz� F>3r7z ` Customer CPre F l x�rr SSCash. 1 $(1t# CAS}(I QYV :: c n Rr f3i0iwnyuirfet ` P #)CnMR.ntS r ; Pfl 60X981535p f3Qjc72JA It PASO TX 7ftuYYAltK 79'8 -1535 tt7i0} k�7'U „�f Change ofAtldros3, - Iftoirect on front do not use;- I ely To change yoirr gddres4 onUne vtsit wwwamencaneepress cam /updatemntactinfo l ,:. A void 4 {orTJame Co' n Naive and Forei n Address or - late fees etipa y g changes; please call Customer Care. trine _ Please print dearly m blue - .orblatk ink only in the boxes provided.: I r Deduct yaut pryrnent fTam)rpttt bairn Streetaddresx , r i { a[cotrnt autorriattKallyaach month t ` t isrt;irnericanexprescornrauropy ° C¢y,•Scate = tad torrrrmlt s Ap.Cade Home e e - Atea" a anQ W Phone _ " - ' . - For information on hove we protect your. F3rrail _ _ _ -------- q - priva and to set yourmmmunication ..: . -- -- A I and privacy choices visit . .. VAM. merle DUPLICATE COPY Seni0r- jwe"er :G6ld Curd:: o�Rr�s JAMES , A BALL JR Closing Date. 1.1 /18/12 Account Ending 5= 62009.. t Sum mttry Pay In:Fwll: ... .:' Pay Oger Time s :Total, yments - #8,663.88 ; ' . 4547.00 edits : #0.00: ' so_ ` . $0.0 talPaymentsenderedits: «5547. $ 9;270,88 .' •fndlcaterf?ostingdate' S' yments /irrtotint _ . 105/12* CUSTOMER SERVICE PAYMENT,THANKYOU 39,000:00 - 1%l6/12* CUSTOMER SERVICE • PAYMENT.THANKYOU: 44,21A8$ 116112' PAYMENT RECEIVED -THAN YO $5,000.00 1/12112 ",. RETURNEDCHECIO LINED BANKTR..ANSACFJON 34.000.00 • .... Anwunt . .. 1/18,12 Late hyment;fee - #35.00 otalfeesforthisPeriod , $35.00 Irrt+el<;est C�aF e lls r - - Amount '. 1/18/12 :. : Interest .Chatgeon PayOm.Tin* Purchases $305.95 otaldnterest Chargedfor this Period 3305.95 28 f2 Fels >glld ir><teres# Tota�S hear #o pate t ' ' Mnoi Total Fees in 2D1 z_ _ .. ........ -_._.. - ..:. _ _ ...... Total Interest in 2012 ..... #3234.50 �... r t r o • Your Annual Percentage Rate (APR) is the annual interest rate�on your account, n A nual "lance Sii6jett - Interest . Percentage Rate to Interest Rate Charge Sign &TraveVEztended PaymentOpbon f24,456.69 #905:95 N Total : - --- — - -- n (4) Variable Rate Continued On reverse DUPLICATE COPY -JAMES A.BALL JR Account Ending 5-62009 R Important Notice Information on Pay OverTime features ----------- Please refer to P?9e _2 for further ImporCant. Annual Pe c ee tag e. Ra t t (A PR )fore Pay ver Ti r me Features as part of your account. The following are the current Information regardl" Annal. Percehtage Raes (APRs) for Pay Over Time Features..(v).indicates variable rate. your account For Select jk Pay Later the APR -is 1524% (v): For Sign & Travel, the APR is `t S.24% (v). : For Extended Payment Option; the APR is 15.24% (v). For Sign & Travel, the APR is 15124% (v). 2. DUPLICATE COPY Senior Member Gold Card JAMES A BALL JR Closing.Date 11 /18/12 Account Etiding :5 =82009 .; " otice of Change toYour Travel Accident Insurance. Policy e are ntaking Important.Changes . * r insurance :policies ( "Policies"] underwritten by AME?( :Assurance pplicable for Residents :of Delaware for Travel Accident Insurance: he:definition of Covered Person from the DEFINITIONS is replaced with the following: ov..ered Person means ::the Basic Cardmember, each Additional Cardmember and eac4 of,these ardmember's spouses or Domestic Partners and dependent children :uncle[ 26 years of age (dependent - Children r . elude: your unmarried, dependent children under26. years of age whoxely on You`for aintena► Ice, your unmarried dependent: children 26 years or: older who aiecause of a fiandlcap condition chat ccurred before the attainment : of - the Nmiting age, at incapable.of self- sustaining. errtployrnent:and'dependent pon You for lifetime ca a and supervision: Coverage will be extended for as long as such child is incapacitated;: nma(rietl and dependent:).. TAI= RDR1 =. .Multi 04/.10_. pplicable for, Residen. is of Florida:for Travel.Acciderrt In . he:definition of.Covered PersonJs hereby removed from the DEFINITIONS section in its aentirety and replaced ith following:. overed Person means the Basic Gardmember, each Additional Cardmember, and each of these ardmernbers spouses or.Domestic.Partners end.-dependent,chiidren under 26 years of age (dependent children `. elude' your unmarred dependent children :under 26 .years of age who rely: on You for support and aintenance, your urimaried dependent thildien. 26.years or oldetwho. because: of a handicap condition that ccurred before the. attainment of the limiting age; are incapable of self - sustaining em ploy ment,arid,dependent 1. pon You, for lifetime care a'ndaupervision Coverage will be extended for :as'long es such Child is'incapacitated, nmarried and dependent:). All .Covered. Persons must have a Permanent: Residence within the 5t3 :United States; ; f.America; the .District of Columbia, Puerto Rico, or the'U.S.. Virgin ,lsdands: All.other:persons:are not Covered.`.: ersons.underthe.Policy: Dependent coverage will extend.to the end of the .calendar yearwhen the dependent: aches age. 30 when. 1. The dependent is:unmamed and does.not have a dependent of his or, her own; 2. is a : sident of this state or a full-time or part-tune student; and 1 Is not provided coverage as a named subscriber, sured, enrollee, or covered person under any other group, blanket, or franchise heatth.insuiance policy or dividual . health benefits. plan or is..not entitled to.benefits under Title XVIII of the Social Security - 'Act. 4. If ursua.r>t.to this sections child is provided coverage under the parent's policy after the end of the calendar year which the child reaches age 25 and covera9e for the child is_ subsequently temtinated,ahe child is not eligible: tie covered under the parent's policy unless the: child was 'continuously covered by,other rteditable _coverage hout a gap its coverage of more than.63 days: For the purposes, of this subsection the: erm.. "creditable' ver� ge ". has.the same meaning as provided in Florida insurance Code_`s_-627...6561(5) : Dependent children clude .. 1.. Natwal, and stepchitdren.of the insured who are:chiefly:financially dependent- on.the insured .'support and maintenance 2 An ado. ptedchiid.or a child in the custody. of the insured pursuarrtto:aninterirn urt order of adoption vesting temPgrary.care of the child - in the insured, regardless of whether'a final order ranting.. adoption.:is_ultimately:issued :.. _. .. :.... ii,referencesto "dependentchildrea under23,. ars of age" throughout the document are hereby - changed to ependent children .under.26 years. of age.. TAkROW FL 0610 otice regarding your AMEX Assurance Company insurance Products . e are notifying ;you of an update to all insurance, products underwrttfen: by AMEX; Assurance Company that you ave as a. benefit of your Cardmembership,. or M which_ you have enrolled: t#te event any coverage provided by the AMEX. Assurance Company insurance policies'wouki =be in Violation of W . S: economic or trade sanctions, such: coverage_ shall be null "arid. void: ` once to Ocegon Residents Service charges notin excess of those permitted bylaw will be charged on " e:outstanding balances from month to month. .You may :pay more than the minimum payment due; up to your ntire;outstanding balance; at an.y time: _ 02N2 - _. BPICCSGBAS /1112. ' DUPLICATE COP..Y ,. JAMES A;BALLJR Account Eluf'ing 5= 62003: p. 616 NOttCe.to Delaiivare Resrtlents Service cFiarges not in excess of those permitted bylaw will be,charged on.the out tandirig`bal aces from riiorith fo month'. Notice'tfl Ohio Residents The Ohio Jaws against discnrnrnation req�iire that all creditors make. credit egiiaJly available to all credit w ©rttiy customers; and that credit reportrrtg agencies maintain separate. credit' hi mones.on each: indrvidri.al upon: request.; Tfie :Ohio cNif nghts commission,administers compliance with this faw S02N2 BP /CCSGBASII 112 - SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ,, Sheriff oi Jody S Chief Deputy t I . c 3` Richard W Stewart � � i' tiyti Solicitor BERL`FaMSY American Express vs. Case Number James A. Ball, Jr. 2013-7207 SHERIFF'S RETURN OF SERVICE 12/06/2013 02:44 PM - Deputy Shawn Gutshall, being duly sworn according to law, served the requested Complaint& Notice by handing a true copy to a person representing themselves to be Frances Ball -Wife, who accepted as"Adult Person in Charge"for James A. Ball, Jr. at 6101 Westover Drive, Hampden Township, Mechanicsburg, PA 17050. Sr Itr ;►''rUTSHA , DEPUTY SHERIFF COST: $39.30 SO ANSWERS, December 11, 2013 RONNI'R ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS OF ,, CUMBERLAND COUNTY, PENNSYLVANIA 2: 29 AMERICAN EXPRESS CENTURION JAN 27 PPS BANK CNIL ACTION CUMBERLAND CouN1'Y 4315 S 2700 W PENNSYLVANIA SALT LAKE CITY , UT 84184 Plaintiff vs. NO: /3 " 7o / a JAMES BALL 6101 WESTOVER DR MECHANICSBURG PA 17050-2373 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 Amended Complaint and Notice to Defend 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 Amended 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 ON AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT REDUCED FEE OR NO FEE. MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET CARLISLE, PA 17013 717-243-9400 AR13010 w IN THE COURT OF COMMON PLEAS OF ■ CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK CIVIL ACTION 4315 S 2700 W SALT LAKE CITY, UT 84184 Plaintiff vs. NO: — A .Z.� JAMES BALL 6101 WESTOVER DR MECHANICSBURG PA 17050-2373 Defendant AMENDED COMPLAINT Plaintiff, AMERICAN EXPRESS CENTURION BANK, by and through its attorneys, Edwin A. Abrahamsen& Associates, P.C., complains of the Defendant as follows: 1. Plaintiff,AMERICAN EXPRESS CENTURION BANK, (hereinafter "Plaintiff') is a corporation with a principal place of business located at 4315 S 2700 W SALT LAKE CITY , UT 84184. 2. The Defendant JAMES BALL (hereinafter "Defendant") is an adult individual residing at 6101 WESTOVER DR MECHANICSBURG PA 17050-2373. 3. Defendant applied for and received a credit card issued by AMERICAN EXPRESS CENTURION BANK with the account number ending in 62009. 4. Use of the AMERICAN EXPRESS CENTURION BANK credit card was subject to the terms and considerations of the Cardmember Agreement(hereinafter "Agreement"), a copy of which was sent to the Defendant along with the credit card. 5. Defendant used the AMERICAN EXPRESS CENTURION BANK credit card account number ending in 2009, for purchases, cash advances and/or balance transfers. 6. The Defendant was mailed account statements relative to the Defendant's use of the subject credit card.(See, Account statements attached hereto as Exhibit "A.") 7. The Defendant defaulted under the terms of the Agreement by failing and refusing to make monthly payments on the account as they became due. 8. The Defendant last made payment on April 12, 2013. 9. The total amount due and owing the Plaintiff is $25,855.36. WHEREFORE, Plaintiff requests judgment in its favor and against Defendant in the amount of$25,855.36. Respect lly u itt d, ichael F. Ratchfor , E quire Attorney I.D.Nos.: 6285 120 N. Keyser Av Scranton, PA 18 04 mratchford @eaa law.com Phone: 800-503-1665 Fax: 570-558-5511 VERIFICATION I, Michael F. Ratchford, attorney for Plaintiff, AMERICAN EXPRESS CENTURION BANK, am fully familiar with the facts set forth in the within Amended Complaint and am authorized to make this Verification on behalf of Plaintiff. I Verify that the facts set forth in the within allegations are true and correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 C.S.A. 4904. Mkael F. Ratc ord, Escl ire 6 1 DUPLICATE COPY . Senior Member.Gold Card.: : :" - - , .._.. :� . . ,. . . .. •. ::R id3 JAMES A BALL JR Closing Date 11/18111. Account Ending 5-62008:. <- c _ :.: Edt71 pOlAtSt:Onll rbf Y011r j New Bslattce $27,189 87 PurtfwsesR�X +heceyobtue 5' ( Minimum Pijmr nt Due' $4,580 d0 '11>se Ce�d. 1 �rwr wwwamencanK,Xpres.ca�n�/rewards Includes the past due amount4..S4,000.00 �•? fr Payment Dtie.Date 12/13112 ..Account S40iniery I Late'Payment 1N h-,r-i�f y-`o.�.do notpayyour Muninum Paymeni Due you.-�E rf -Peyln•FuQ,Paiton n, - �- ,. ave to pay a late fee bf up to f 35.00 an4 your Pay Over Tune RPR rtlay be '- Previoitt fialanc� 311 568BB rccreased tozhe-Penalty.A?Rot 23 24'l0 ,r • . PaymgiltsfLredrcs ,. 5¢65388.. �NewCharges tSOOQ•. z s: � J{ fees w•� -rS35AQ ' Balartoe j1� SZ 94DOO i r q s: J SPalrOyeaTirs4e .0 IBM? nlsr umPayment Warning:if you make the minimum payment each period.=� rwus 9atance I t f2E49042�,: S will pay more in inteiesi and it will take you longer to pay off your balance.For Payrrterus/Credrts mple z you make no additional.' You will pay off the Pay Over And for the Pay OverT,me ;Interest Cha,ged' r� 3 iS30 9$ gas amid each month you Time balance shown on this• 'balance you will pay an }flesn($alance R °;24 2A987 Aatemeniinabou_ estimated totadof_ µiiria�umtkie h '; = `31640A0 Minimum Payment0ue 28 yeas 557559. Account Total. I - : •Previws"Balanu' •" S36eo59B0•• . you would like information about cruet counseling'service's,call 1-[388-733-4139.:. . Pi"en{s/Credits'. " . -59,21058 , _ -.New Charges: +So.00 See page 2 for important infomwtion''about your account fees.. InterestChaiged` +1305.45 Your account is'seriously past'due. Pay the past due amount crew balance. 527,[89 B7 ' . immediately to avoid possible cancellation. ✓yllidiiwrM P'y'""'to":" S4,St30 OD "Ailing Ailing Penod ,-30 ".i See Page.S -for•linportant lformadon About Yo it Aeeou6t Ci�'st6mer Care including Information regarding•benefiits underwtittten.by AMEX - Assu rarke Company. ' Pay by Computer " arnencanexpessr. pbc Please,note,your preset line is$36,400.00-"You have spent$27,189.87 �inaoinerCarr Pay6yPl+oire _:: :1-SDO-327.2177 1$00 AZZA297 -T; ' - _.�See page 2�r addrtrprwl urfoipla�ign '� Pkasefold onthe,perforationbeiow detach and retumwh�payment+ Payment Coi,pon Pay by Computer. Pay by Phone. Account Ending Sb2004 Do ncx staple of use.pape,clips americanexpremcom/pbc 149*472-9297 '✓Enter account numbs pn ail documents. Make 2heck payaple to American Express, milli ill 11r 11111111j11111111dIPfrfl!lirlirf"1Fl1d Bill r44 JAMES A BALL JRag+itterrcf)iut7Ste =Y 6101 WE5TOVER DR MECHANKSBURG PA 17050-2373 ' r e. �,. .127.389 �: fArnrne rm payrrr�epru/:�,W�ir` »: '. . . Ilflyal�fnlliusllfllLllldnl�I�Iri'flurlilrlflrlr111!llfn s . .-- .. .- : Check hereiryouraddress or AMERICAN EXPRESS. phone number has changed. .. P.O:BOX 1270 Amount Enclosed, Note charmges on reverse side - NEWARK NJ 07101.1270 000034999:DIN267857b 00271898700[14S8000.-15- ri DUPLICATE COPY JAIVIES'A BALL Jfi:,-". Account.Ending S:1 2009 R PA. pavnwntsr Your liiiyraent oust be sent to the payment,addiesx ihown on your statement and must be received by S p.rn kcal time at that address to be credited as of t(ie day it is received:Payments We receive after S p.in.will not be credaed to your Account until the next day.Payments must also:(1) (ricA de the resi ittance coupon front your statement;(2)be made with a-single Check drawn on,a'US bank and payable in US dollar;or with a negrxiable iristrurnen4 payaGfe in US dollars and clearable t}iroirglit lie u$ba ing syite n and i3}include yOUI Count number.ff your payment does not meetalloftheibove requirements,crediting may--beAetayed and you.may,incrr late payment fees and additional interest charges.Electronic payments musr•be made lhroughan:electronicpayment rtiethod payable in US dollars bnd clearabiethrough the US banking system-if we accept payment in a foreign urrrenCy,we will convert it into US dollars at a Conversion ratethar is acceptable to us unktss a parr ular rate is required bylaw Please do not send'post dated checks as theyy will tie deposited upory receipt.'Arry restrictive langlege on a payment we accept will have no effect on Us.. without our express pr or written approval%'e will re-present to your financial instaution any payment that Is returned unpaid.-if you have a Pay�ver Time balance you'maypaymorethantheMinimumPayment Due uptoyour Nat Balance,aranytime Aermiss,on for Electrosilc lri"lawaL•6'4 lien yiu serid a check for payment you give us permission to elearonkaly withdraw yaur payment fiom'. yuurdeposddrot.. assmaccount:WeWN1pr«ens checkseFectroniiallyl�yiransmittrngiheamourrcofthc4freckrotRrngnuml>Et;atcountnumber.,. andcheckserial7ui'betoyoixfinaricalinstitution,unlessthecheck.isnorprocestableelecircinic]a oralesscostly process isavailable:When we: process your 66ck ele[tionkaliy,your payment shay be'whhdrawnfrom'ynur depose[or other asset account as soon as the same day we receive yaeu ctseck and you will rrot receive that cancelled check with Ow.financial account.statement.l(we cannot collect the funds electronically we may isstpe a draft•agantstytuiclepositoeot herasselatccwnifortheamasnt:oftF check(?)By.?uinyPayByCornputer,PayByPhoneoranyotherekctromc . payment service ofour;,you give us'per nrssion to eleutonically withdraw furids from the depositor other asset account you specify in the amount you " request.Paymemi,using such services ofours received after 5:00 p:m.MST may not lit,credited untilthe next day. Huvr_*e Calculate Your Balance:We use theAveiage Daily Balance(ADB)method(Including new transactions)to cakulate the balance on which we ctiar geinteiist-for.PayOverTimbalancesonyourAccourk.CalltheCuo6fneiServicenumberlioed.beluwformoreinfarmationabout this balance ; ` compuiatiori+nethod aril Flow resulting interest charges are de,etinined.The ni&hod we use to figure the ADB and interest reeks in doily `comgoundutgafinrvest.:; '. . pn�emg Irrfeest,lf goy Have a➢ay Over T me balance four due date is at least 25 days after the close of each billing period We will begin chargiruj. interest on transactions added to a Pay Over Time balance as of the date theyare added:However,we will not c harge interest on charges added to a... -.Pay Over Time balance ai romatkally(forexargjak Sign&travel and ExtendedPuyfhentOption)ifyou pay the Account-Total New Balance by the dire. dateeachmonth.-+ .. I oIn"n CierrerKy Charges:If you make"a Charge in a foreign currency,eve will convert it-into US dollars on the dati we or our agents process iL- ''We irileharge a flee of 2:7%of.the mnireited US dollar atnouaL We willchoose a Conversion rate.that is acceptable to us forthat.date,'unless 3._:: paR"Idt(atiate isrequi red by law,;.The conversion rate we use is no more than the:highestbfficial rate published bya goverrvnent agency or the highest (rtierbank rate we identify from custdnwy.barilbrig sources on i he ronversiori date.or the pdar business day.This rate may differ from rates in effect qn the dale of your CKarge:'-Charges converted bjy establishrriihls will bebilled at the.rates such establishments use. CredhBalance:Aciidh balance(desighated CH)showri.on this staternent.represents moiw y owed toyou.I(within the six-mortthperiodfdbwin9the:..: date.ofihe first:statement indicating the credit balanceyoo do not request a refund orcharyeerortgh to use upthe credit balance wewril send you 3: �ch&kto,the*credit balance mthin3o day's irttte-imount is$1 b0 or mole."' Credit Riposting:We'mayseport infrirination about your Account to Credit bureaus.Late paymenm missed payments or other defauhs.6ti your ArC oUrit may be leflectedinyotsr&editreport. Curtorr►erfuwe 3 Bilffngtnqurries a 8c 0 538 a8()Q Hearieg'tn,paFYad m lAfebsrt �pier,canexpress corq 1 tnte)ratlt+rmal[odec! 7 3383931111 --:'TTY 7800=_Y21-995&- .® 94606Sitc arnexmo4detorsl LaryaRrSntBBnAle"Statemeats s 100.528 480D - FNL 14100 b95 9040 L�4biStWeii 3 r. 1-860-997-3404 -In MY: 18005221'89Z-,. tun 4r>K . :�ressGash T BOOtASH NpyV &Mpg,rtquldes Papttptts P,O'Box 981S35 PX1•$tt)(727Q ELPA50TX 7tt61N,118(Nl'. { I 79�J�i535 '07201{270;,, � ;i if h T ' Change of Address'. - - '- - - - T'T -•. f<unect on front do not use 1L Jpd j/1�oef�BIl1 Wlth AutoPdy to changeyosr and+ers onfinevisit wow—n aKarbetpressz*Wupdaieconremnro• -forNamc Company Name,and FmegnAddeessor Phonechunges;pleasecall Customer Came. Avtad(ate ffes - Save time •'Please print deadyin bluesislack iid..only_in rhelso>:es provided. _ _ t Dealu5 your payment frootyMSr�rar)k Weernddress 1 i—I `actauna titorhatica(IyCMhmbrtah , -- t ' VtsAameticanetcprettso1 Maltopay Gryi•State - - r .i 1-46daytoen!olL V_ Ana Grille errd, — -- — { 'Hoene Phone - �AreaCrideand WwkPhorwe ...'•- - - ' Fa infarrnatkm m how weprotect you firtai ,_ - - ---- _ - •—'—'— piracy and to set your coremurrioiion . . • _ _-_ - an aK�F� d ptirvxy l2 M. DUPLICATE COPY Senior'Membii Gold Card s JAMES' BALL JR': Closing Data 11118112 Account Ending 5-62009. Payre Nil. pay In Full Pay Over Time • :.Total- . .. . .. .. . . .. .. .. .. ymer►ts 48,66398 4547.00 -$9210:88;. $0.00, 50-00 $0.00 tal Payments and Coedits .48,663.88 -$547.00 X9,21088 .Q @tail Indicates posringdate - - _.. r yn—ti Arsiount /05/12" CUSTOMER SERVICE PAYMENT.THANKYOU 44.000A0 %16/12' .•.CUSTOMER SERVICE PAYMENT THANK YOU :.54,21088 /1602'' PAYMENT RCCEIVED-THANKYOU. SS'000.00 /12/12•, RETURNEDC-"ECK/DELtINEDBANkTRMSACrlON $4,000.00, Amount. 1/12 LatePayinentFee-. - $35.00 811 otal Fees for this Period: S3S.00 � .• P y 1 1•�7 '� _4L r r Iflteres-t Charged. ` • - Amount' 1!18112: Interest.Charge on Pay Over Time Pwchises 5305.95 o4a4Interest Charged for this Period., 5305.95 2072Ifees end Mtecest Total Year to Date .. __._::—.___-. �-_—.-•—_ �--__..-_.�----^•---.,.._ .—._....— ---_- ,_:x....-�':_:.:�ems__ .. Fees.in2n1.2-- —_----- 5238 -Total Interea in 2012 $3239-50 . j[I ttErf~$t�il�a7�8 VatWlatiwn rx A t 1 ) S 1� i 2 eYour Anrival Percentage Rate(APR)is the annual interest rate on your account. Annual Bounce Subject Interest Percentage Rate to interest Rate Charge•. ;i Sign 6TraveVEitendecl Piyment Option- 1524%(v) f24,456.69 $305.95 n Total (4)Vaii"Rate•:. . .. - _ . Continued on reverse r DUPUCATE COPY :JAMES A-BALL:JR: Acoount Ending 5-62009 pL 4/6, important Notice-.: InforttittiGon on'Pay aver Time Features' - Please refer to page'2.: You majr_have acressto orw 61 more Pay'OverTrme Features-as par of yourCard a coi".The folbwirg are thecurTent ,M«m%at on Important.-t e9 ng Anniwl Percentage Rate's(APfls)for Pay Over t"urie Features..(v)-indicates variable rate:-'. your account :For Select&Pay Cater,the APR is 1524%(4):; 'For Sign&Travel,theAPR is i 524%'{gl Ea6.6(tend Payment.Option;the APR is15.24%(ti). For Sk3n&Travel,theAPRis15]4%(v). ' DUPLICATE COPY Senior Member Gold Card mss JAMES A BALI JR Closing Date 11/18/12 Account Ending 5 62009 once of Change to:You�Traiiel Accident`Insurance.Policy e:are.ritaking important Changesto your insurance.policies("Policies']underwritten by.AMLX Assu'ra`nce pany.. pficable for Residents'of Delaware for-Travel Accident Insurance: e:definition of covered Person front the DEFINITIONS section is-replaced with the following: overed Person means the Basic Cardmember,each Additional Cardmember,and each of,these " ardmembers spouses or Domestic P2rtners and dependent children under 26 years ofage(dependent children elude-.-your unmarried,dependent children urirfer26 years of age who.rely on You for-support attd.' aintenance,your unmarried dependenl.children 26 years or older who because of a handicap condition that:. . ccurred:before the attainment of the limiting age,are incapable of sell sustaining.employment and dependent pon You for lifetime care and.supervision.Coverage will be extended for as long as such child is incapacitated,. nmarned and dependent). TAI-RDRY-Multi 04110. . ppticable for Residents of florida.for Travel Accident Insurance: e:defrkion of.Covered Person,'is hereby removed from the DEFINITIONS-section in its entirety.and replaced . ahe following: : overed-Person means the Basic Cardmember each Additional Canimerhber,and each of these ardmember's-spouses.or' Domestic Partners-and•dependenf children under 26'ears of age(dependent children clude'your unmarried,dependent children under 26 years of age who rely.on You for support and aintenance,-your urimamed dependent children 26:years or older who because'of a handicap condition that ccurred before the Mainme-nt'of the-limiting age,are incapable Iof self-sustaining'em ploy ment and.depe.ndent pon You forlifetime cai-e and supervision.Coverage will be extended for as ldag as such:child is incapacitated, = nmamed and dependent). All Covered Persorks must have a Permanent-Residence within the 50 United States f.Arnerica,the District of Colwnbia,Puertb Rico;-'or the U.S.Virgin:Islands. A l,other persons are not Coveted. : :- ersons.under the Policy: Dependent coverage will extend to the end of the calendar year When the dependent: aches age 30 when:.1. The dependent is unmarried and does not:have a dependent bf his or•her own;:2.'Is a sident of this state or a full-time or part-time student;and 3: Is not provided coverage-as:a named subscriber, sured,enrollee,or covered person under any other group,blanket,or franchise health insurance policy or ividual health benefits plan,or is not entitled to-benefits under Title XVIII of the Social security Act.;4.-If ursuant,to this section.a child is provided coverage under the parent's policy after the end-of the calendar year. which the child reaches age 25 arid coverage for the child is subsequently terminated,the chid is not eligible ti_a covered under the parent's poticy'unless the child was•continuously covered by other creditable.coverage 'hoot a'gap.in�coverage of rriore than.63 days:.Fouthe pu-rposes,of this subsection.the term.'creditable - venige'has the same meaning as provided in Florida Insurance Codes.627.6561(5):. Dependent children. elude:1. Nattiral,.adopted and slepchddren.ot the insured who are chiefly financially dependent on the insured support and maintenance; 2 An adopted child er a child in the wsiody of the insured pursuant to an'irderim urtorder of adoption vesting Temporary care of the child in the insured,regardless of whether a_final order taatio9 adoption.is-uttimately.:issued-._ ------..,........... ._._.:.._ 11 references to'dependenfchildren under 23 years.of age"throughout the document are hereby changed to ' ependerd children under 26 years of age". TAI-RDRi-FL 06110 otice regarding-your AMEX-Assurance Company insurance-Products e are notifying, you of an update to all•insurance.products underwritten by AMEX,Assurance Company that you'' ave:as a benefit of your Cardmembership,or in which you have enrolled. ftte event any coverage provided by the AMEX Assurance Company insurance-policies would:be in violation of : S.econornid or trade sanctions,such coverage shall be null and void.' . �. otice to Oregon Residents:Service charges not in excess of those permitt ed by law will be charged on e outstanding balances from month to month. You may pay more than the-minimum.payment due,up to your '. n8re-outstanding balance;at anytime. 02R2--. _ BP/CCSGBAWI 1 12'. � r . °'JAMES ASAL JR=.::;: `:.. .: .;..:: t .Account Ending 5-62009.1 - _ p, °:Notice,to:Delaware Residentsi Service charges not in excess of those permitted by law will be,charged:. on.the outstaodiilg'-balarfces from rlfordh io•month.. f Notice to bhio Residen >The Ohio Iaws against discrimination require.that-all creditors make credit... equally available to all.credit'woithy.customers'and thaCcredit reporting agencies maintain separate credit!'-:".-,,: hrstories'ori each individual upon'iecjiiest: Ttie Ohio civil dghts•commission administers compliance with this law -SQ2N2..`:... : : BP/CCSGBAS/1112. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION — LAW American Express Centurion Bank Plaintiff v. JAMES BALL Defendants : No. 13 -7207 -CIVIL 142692.001 PRAECIPE FOR ENTRY OF APPEARANCE TO THE CLERK OF SAID COURT: Enter our appearance on behalf of Plaintiff. Papers may be served at the addresses set forth below. METRIOS H. TSAROUHIS Attorney for Defendants Attorney ID # 88513 21 S. 9th Street Allentown, PA 18102 610-439-1500 Date: August 14, 2014 PRAECIPE FOR WITHDRAWAL OF APPEARANCE TO THE CLERK OF SAID COURT: Kindly Withdraw my Appearance on behalf of To u.,,Ak- Date: (z'L2 =DWIN A ARRA AMSEN 8; ASSOCIATES, P.C. MICHAEL AEL FRA{ CHFORD, ESQUIRE #86285 • 120 NORTH KEYSER AVENUE SCRANTON, PA 18504 (570) 558-5510 (570) 558-5511 FAX COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW American Express Centurion Bank, Plaintiff v. JAMES BALL , : No. 13 -7207 -CIVIL Defendant : • 142692.001 CERTIFICATE OF SERVICE The undersigned hereby certifies that on this date a true and correct copy of the Praecipe has been served by United States first-class mail, postage prepaid, upon the individual(s) at the address indicated below: JAMES BALL 6101 WESTOVER DR MECHANICSBURG PA 17050-2373 DATE: December 22, 2014 Michael Ratchford 120 N Keyser Ave Scranton, PA 18504 Respect lly Submitted, DE RIOS H. TSAROUHIS Attorney for Plaintiffs Attorney ID # 88513 21 S. 9th Street Allentown, PA 18102 610-628-2440