HomeMy WebLinkAbout05-1195
BURTON NEIL & ASSOCIATES, P .C.
By:Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
(610) 696-2120
Attorney for Plaintiff
CITffiANK (SOUTH DAKOTA) NA
701 East 60th Street North, Sioux Falls, SD
Plaintiff
v.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO. ()~ - / f9S
C/(.>~l~Q~
N G BRUNO AKA NANCY G BRUNO
915 Country Club Road, Camp Hill P A 17011
Defendant : CIVIL ACTION - LAW
COMPLAINT
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 (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 claim 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. 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.
LAWYER REFERENCE AND
INFORMATION SERVICE
Cumberland County Bar Assoc.
32 South Bedford Street
Carlisle, PA 17013
Telephone No. 717-249-3166 or 800-990-9108
C-814
BURTON NEIL & ASSOCIATES, P.C.
By:Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attorney for Plaintiff
: IN THE COURT OF COMMON PLEAS
ClTIBANK (SOUTH DAKOTA) N.A.
701 East 60th Street North, Sioux Falls, SD
Plaintiff
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO.
N G BRUNO AKA NANCY G BRUNO
915 Country Club Road, Camp Hill, P A
Defendant
: CIVIL ACTION. LAW
Complaint
1. The plaintiff is Citibank (South Dakota) N.A., with place of business located at 701
East 60th Street North, Sioux Falls, South Dakota.
2. The defendant is N G Bruno aka Nancy G Bruno, who resides at 915 Country Club
Road, Camp Hill, Cumberland County, Pennsylvania.
3. Plaintiff, a national banking association, engages in various types of banking business
including consumer lending through the issuance of credit cards.
4. Plaintiff furnished consumer credit to the defendant by means of a credit card with
account number 4271382108119765 hereinafter referred to as the credit card account.
5. Plaintiff maintained an accurate and running record of all debits and credits to the
credit card account in its books of account.
6. Plaintiff mailed defendant a written statement each month which accurately stated the
debits and credits to the credit card account for the prior billing period.
7. Defendant received the monthly statements from plaintiff for the credit card account
including the statement attached hereto as Exhibit A statement without protest, dispute or
objection.
8. Defendant in not protesting, disputing or objecting to the statements including the
Exhibit A statement thereby assented and agreed to the correctness of the balance due on the
credit card account so as to constitute an account stated.
9. The amount due plaintiff on the account stated, less credits, if any issued subsequent
to the Exhibit A statement, is $13,844.31.
Wherefore, plaintiff demands judgment against defendant for the sum of $13,844.31, and
the costs of this action.
J
BURTON NEIL & A~CIATES, P.C.
By: c.....-) t-1
Burton Neil, Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates, P.C. is a debt collector.
02/09/04
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$13844.31
$9999.99
SITE: KC-CL
TM:CO-5000
12/31/04
ACID:KCB5314
18:41:34:
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N G BRUNO
PO BOX 862
CAMP HILL
17001-0B62000
CHI CARDS
P.O. BOX 8110
S HACKENSACK, NJ
07606 -8110
PA
Citr Gold Card
For Customer Servklil, call or wrltoi
1-800-756-4000
Account Number
4271 3821 0811 9765
PAYMENT MUST BE RECEIVED BY 1:00 PM LOCAL TIME ON 02/09/2004
TorepOJtbllllnqenors,tiI'lte
to IhI,. addre-:ealllnq 11III1
I'olltpl'eserveyo~rlghta.
BOX 6062
SIOUX FALLS, SO
57117
statement/Closing Date Total Credit Line Available Credit line Cash Advance limit Available Cash Limit New Balarlce
01/15/2004 $15700 $0 $10000 $0 $13844.31
Amount Over PastDua Purch/Adv Minimum Amount Due
CredltLinll MlnlmumDu8
$0.00 $1627.85 $288.00 $13844.31
Sale Date Post oat. Rel.rence Number Activity Since Last statement Amount
Standard Purch
1/15 LATE FEE - DEC PAYMENT PAST DUE 29.00
66 0000 0 70000000000
1/15 PURCHA5ES'FINANCE CHARGE'PERIODIC RATE 3.02
84 0000 0 70000000000
1/15 Purch/Ad. Thru 02/14/2003
PURCHASES'FINANCE CHARGE'PERIODIC RATE 222.07
84 0000 0 70000000000
Help ;s available! Please call the toll-free
number shown above to learn about our special
payment options. Call Monday - Friday, 7 am to
9 pm, or Saturday, 8 am to 5 pm, Central Time.
Please give us the opportunity to assist you.
Our records show home phone 717-737-9630 and
business phone 717-652-7376. Please update above
coupon if incorrect.
Account Summary
PURCHASES
ADVANCES
TOTAL
PrevIous
Balance
$13,590.22
$0.00
$13.590.22
(t) Purchases
& Advances
$29.00
$0.00
$29.00
(-) Payments
& Credits
10.00
0.00
0.00
(+) FINANCE
CHARGE
$225.09
$0.00
$22S.09
(=) New
Balance
$13,844.31
$0.00
$13,844.31
Rate Summary
PURCHASES
Standard Purch
Purch/Adv
thru 02/14/2003
ADVANCES
Standard Adv
Balance Subject to
FIMnce Charge
PeriodiC
Rate
Days ThIs Billing Period: 30
Nominal ANNUAL
APR PERCENTAGE RATE
19.990% 19.990i\--
19.99J;'J
$183.51
$13,515.19
$0.00
0.05477%(0)
0.OS477%(D)
0.05477%(D)
19J!l)EHIBIT
19.990%
19.990%
VERIFICATION
Nick Petsche
is Attorney Management Specialist for Citibank (South Dakota) N.A. the within
Plaintiff in this action, and that the statements of fact made in the foregoing Complaint are true and
correct to the best ofthe undersigned verifier's knowledge and belief. The undersigned understands that
the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn
falsification to authorities.
Date:
'~liG(
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N G Bruno
4271382108119765
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ClTIBANK (SOUTH DAKOTA) N.A.,
Plaintiff
v.
N G BRUNO alkla NANCY G. BRUNO
Defendant
IN THE COURT OF COMMON PLE S OF
CUMBERLAND COUNTY, PENNS1 LV ANIA
I
I
I
I
I
NO. 05.1195
CIVIL ACTION - LAW
NOTICE TO PLEAD
TO: Citibank (South Dakota) N.A.
c/o Burton Neil, Esquire
Burton Neil & Associates, P.c.
1060 Andrew Drive, Suite 170
West Chester, PA 19380
YOU ARE HEREBY NOTIFIED to file a written response to the enclos d New
Malter within twenty (20) days from service hereof or a judgment may be entered ag inst you.
BUTLER LAW FIRM
By: /ullk:J
Ronald D. Butler, Esquire
Attorney for Defendant
!.D. #09826
500 North Third Street
P.O. Box 1004
Harrisburg, PA 17108
(717) 236-1485
v.
IN THE COURT OF COMMON PLEi'\S OF
CUMBERLAND COUNTY, PENNSI LV ANIA
I
I
I
I
I
NO. 05-1195
ClTlBANK (SOUTH DAKOTA) N.A.,
Plaintiff
N G BRUNO a/k/a NANCY G. BRUNO
Defendant
CIVIL ACTION. LAW
DEFENDANT'S ANSWER AND NEW MATTER
AND NOW, comes the Defendant, N G Bruno a/k/a Nancy G. Bruno, band
through her attorneys, Butler Law Firm, and files this Answer and New Matter, and i support
thereof avers the following:
ANSWER
I. Admitted upon information and belief.
2. Admitted.
3. Admitted upon information and belief.
4. Denied. Defendant is without sufficient information and knowle e to form a
belief as to the truth of the allegations made in this paragraph. As such, said allegati ns are
specifically denied and strict proof thereof is demanded at trial.
5. Denied. Defendant is without sufficient information and knowle e to form a
belief as to the truth of the allegations made in this paragraph. As such, said allegati ns are
specifically denied and strict proof thereof is demanded at trial.
~ . , .
6. Denied. Defendant is without sufficient iuformation and knowledj e to fonn a
i!
belief as to the truth of the allegations made in this paragraph. As such, said allegati1!lS are
11
specifically denied and strict proof thereof is demanded at trial. I!
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7. Denied. Defendant did not receive monthly statements from Plain iff for the
credit card account as alleged. Moreover, Defendant did protest, dispute and object t said
charges. Receipt of Defendant's objection was acknowledged by Plaintiffs attorney y letter
daled January 14,2005, a true and correct copy of which is attached hereto and mad a part
hcreof as Exhibit "A". Defendant also requested a complete historical account of all harges and
payments alleged by Plaintiff, which Plaintiff has failed and refused to provide to De endant.
8. Denied. Defendant has and does protest, dispute and object to the harges and
statements including the statement aUached to Plaintiffs Complaint as Exhibit "A". eceipt of
Defendant's objection was acknowledged by Plaintiffs attomey by letter dated Janu ry 14,2005
(Exhibit "A" to Defendant's Answer and New MaUer). Defcndanl also requested a mplcte
historical account of all charges and payments alleged by Plaintiff, which Plaintiffh' failed and
refused to provide to Defendant.
9. Denied. Defcndant specifically denies that she owes the amount ated or any
amount whatsoever to Plainti ff. Strict proof thereof is demanded at trial.
WHEREFORE, Defendant respectfully requests this Honorable Court t dismiss
PlaintilTs Complaint with prejudice and grant all such other relief as is reasonable adjust.
NEW MATTER 'I
, o. Dof",d,,,,,., Arow",' <0 p.mgmph, , <hro"~, 9 of P','o<,ff, C"'1r'p",,,,,
incorporatcd herein by referencc as though fully set forth. II
11. Defendant previously protested, disputed and objected to the char< s alleged
by Plaintiff. Plaintiffs attorney acknowledged receipt of Defendant's protesl, disput and
objection by letler dated January 14,2005 (attached hereto as Exhibit "A").
12. Defendant requesled a complete historical account of all charges' d
payments alleged by Plaintift~ which Plaintiff has failed and refused to provide to Dc endant.
13. Plaintiffs claims are barred by the statute oflimitation.
14. Plainti ff s claims are barred by the statutc of frauds.
WHEREFORE, Defendant respectfully requests this Honorable Court t dismiss
. .
Plaintiff's Complaint with prejudice and grant all such other relief as is proper and jLI~1.
Respeclfully submitted,
BUTLER LA W FIRM
Attorneys for Defendant
By:
Ronald D. Butler, Esquire
J.D. #09826
.1ana Butler Toole, Esquire
J.D. #80574
500 North Third Street
P.O. Box 1004
Harrisburg, PAl 71 08
(717) 236.1485
Burton Neil
Edward J. O'Brien
Jay H. Pressman
Yale D. Weinstein
LAW OFFICES
BURTON NEIL & ASSOCIATES, P.C.
1060 ANDREW DRIVE, SUllE 170
WEST CHESlER, PENNSYL V AN1A 19380
610-696-2120
Facsimile 610-696-4111
Email: Burton.neil@burt-Iaw.com
January 14, 2005
N G Bruno aka Nancy G Bruno
915 Country Club Road
Camp Hill P A 17011
RE: Citibank(South Dakota) NA
Account with: N G Bruno aka Nancy G Bruno
Dear Ms. Bruno:
You previously advised that you disputed the balance owed to my client, Citib
Dakota) NA. Enclosed is verification.
v@ry:'truly yours,
j
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I B~on Neil
Enclosure
In making this communication, we advise our firm is a debt collector.
Refer to File #
C-814
(South
XHIBIT RA"
01/10/05 $14306.69 $9999.99
:JmHlIIJI!lIl1illllll I ill!! i Ill! !lllIIl lliill! lIIililllli
SITE:KC-CL TM:CL-SOOO
12/16/04
N G BRUNO
ArtNY ACCOUNT-CODE=lB34
CA~P HILL PA
17001-0862000
CHI CARDS
P.O. BOX 8110
S HACKENSACK. NJ
07606-8110
cltr Gold Card
em"
4271 3821[0811 9765
1-1Ot-'25rll71
lOX 1062 ,
SIOUX FAW. 5D
57117 '
$15700
$0
$0
$298.00
$14306.69
$14306.69
$10000
$4890.85
12/15/2004
$0.00
Nelp I. aYall.~lel Plaale call tbe toll-'ree
>>ullber 11\0"" Hove to learn about our 5Mcia'
pay_t optl...... Call _d"" - 'rldaY,'7.. to
9 p.. .r Saturd.y, . aM to 5~. tefttral T\.e.
Ple".olye .. the opportunity to ...I.t you.
IIIJlORTAIIT INrOWAnOll AIOU7 CREDIT REPOING:
1ft: IlAY, RlPORT IIlf000nOll AIOU7 YOUR ACC T TO
CRElIIT; _ UTE PAMIITS IUSSED PA NTS OR
OmR ~ 011 YOUR ACCOUNt IlAY IE IE LEcn:6 III
YOUR cliEiiiTLitPORT.
~ r... + u. ... .
.,.
:ll~~s $14.3ro.69 U,OO U.OO '14'~E:
0.00 0.00 0.00
TOTAL '14.306.69 .00 .00 $14.3 .
Do TlIIs Pttlod:
... a CI I 0 Ie om I AHIlIlAL
Fin..... CII.- Rite API
PUIICIIAS
stong, $0.00 0.05477"(0) 19.990" 19._
Purc
t ftr OUlI/ZOO3 '0.00 0.05477,.(0) 19.99D'4 19.9
ADvANCE
St..d.rld Adv $0.00 0.05477"(0) 19.990" 19.99
ID:IIC85318
19:02:07:
VERIFICATION
l, Nancy G. Bruno, Defendant herein, hereby certify that the fac set forth in
the foregoing Answer and New Matter are true and correct according to the hest of my
knowledge. infonnation and belief.
I underst,md that any false statements herein are made subject to pc Ities of
18 Pa. C.S. ~4904 relating to unsworn falsification to authorities.
Date 3111/65
. .
.
'. .
elTlBANK (SOUTH DAKOTA) N.A.,
Plaintiff
v.
N G BRUNO a/k/a NANCY G. BRUNO
Defendant
IN THE COURT OF COMMON PL AS OF
CUMBERLAND COUNTY, PENN, i~'L VANIA
NO. 05-1195
CIVIL ACTION - LA W
CERTIFICATE OF SERVICE
I, Jana Butler Toole, Esquire, hereby certify that on the 22nd day of arch, 2005, I
scrved a true and correct copy of the foregoing Answer and New Matter by depos' ing same in
the United States Mail, postage prepaid in Harrisburg, Pennsylvania, addressed as follows:
Burton Neil, Esquire
Burton Neil & Associates, P.c.
1060 Andrew Drive, Suite 170
West Chester, P A 19380
500 North Third Street
P.O. Box 1004
HalTisburg, P A 17108
(717) 236-1485
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-01195 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
CITIBANK SOUTH DAKOTA NA
VS
BRUNO N G AKA NANCY G BRUNO
JASON VIORAL
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according t law,
says, the within COMPLAINT & NOTICE
was served upon
BRUNO N G AKA NANCY G BRUNO
DEFENDANT
, at 1846:00 HOURS, on the lOth day of March
at 915 COUNTRY CLUB ROAD
CAMP HILL, PA 17011
JERRY COHEN, HUSBAND
by handing to
th
, 2005
a true and attested copy of COMPLAINT & NOTICE
together ith
and at the same time directing His attention to the contents th reof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
11.10
.00
10.00
.00
39.10
So Answers:
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R. Thomas Kline
03/11/2005
BURTON NEIL
Sworn and Subscribed to before By:
me this ~ day of
fl \ cla (),c{
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BURTON NEIL & ASSOCIATES, P.C.
Burton Neil, Esquire, Id. no. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
Attornev for Plaintiff
CITIBANK (SOUTH DAKOTA) NA
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
v.
NO. 05-1195
N G BRUNO AKA NANCY G. BRUNO
Defendant: CIVIL ACTION - LAW
PlaintifPs Reply to New Matter
10. (1)-(6) Denied. No facts are set forth in these incorporated by reference averments of
defendant's answer. In accordance with Pa R.C.P. 1029(d) the averments are deemed denied.
10. (7) Denied. The alleged notice of dispute referenced in the exhibit to defendant's
answer was not a dispute to any of the statements sent to her by plaintiff. To the contrary, the
exhibit A letter was sent in response to a request by defendant for copies of monthly statements
of the account. At no time did defendant communicate to plaintiff or plaintiff s counsel that any
of the statements were disputed. It is denied that plaintiff did not provide defendant with a record
of the account detail. To the contrary, monthly statements were sent to defendant on a regular
basis which said statements accurately reflected the account activity for the prior month.
10. (8) Denied. Plaintiff incorporates by reference its response to paragraph 10 (7).
10. (9) Denied. To the contrary, defendant is indebted to plaintiff in the sum of
$13,844.31.
11. Denied. To the contrary, at no time did defendant dispute any ofthe charges. In a
contact with plaintiffs counsel, defendant requested copies ofthe monthly statements which
were sent to her with a cover letter which is defendant's Exhibit A. Although the letter references
the same was sent in response to a dispute, there was in reality no such dispute. By way of further
reply, defendant at no time within 60 days after her receipt of any of the monthly statements ever
sent to plaintiff a written billing error notice as required by the Fair Credit Billing Act.
4
12. Denied as stated. Plaintiff sent monthly billing statements to defendant on a regular
basis. Plaintiff is without knowledge or information sufficient to form a belief as to defendant's
disposition of the monthly statements. However, defendant's course of payments made would
reflect that they were made after her receipt of the statements. It is denied that plaintiff did not
accommodate a later request by defendant to send her copies of the monthly statements. To the
contrary, statements were sent to her.
13. Denied. Plaintiffs records reflect defendant's last payment was made on August I,
2003. As such, the defense of the statute oflimitations is not applicable.
14. Denied. No facts are averred in support of this affirmative defense. The allegation is
denied in accordance with Pa R. c.P. I 029( d). _-~
~----
~Burton Ne' & Associat.~s, P.C.
<------lC-:f.)
By Burton Neil, Esquire
In making this communication, we advise our firm is a debt collector.
VERIFICATION
Burton Neil, Esquire, being duly sworn according to law, deposes and says that he is the
attorney for plaintiff, Citibank (South Dakota) N.A., in the foregoing matter, that he is authorized
to take this verification on its behalf; and that the facts set forth in the foregoing Plaintiffs Reply
to New Matter are true and correct to the best of his knowledge, infonnation and belief subject to
the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities.
)
Date:
41-1.,
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Burton Neil'1;squire
NG Bruno
4271382108119765
C-814
BURTON NEIL & ASSOCIATES, P.c.
By: Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
ATTORNEY FOR: Plaintiff
: IN THE COURT OF COMMON PLEAS
CITIBANK (SOUTH DAKOTA) N.A.
Plaintiff
: CUMBERLAND COUNTY, PENNSYLVANIA
VS.
: NO. 05-1195 Civil
N G BRUNO AKA NANCY G BRUNO
Defendant
: CIVIL ACTION. LAW
Certificate of Service
I, Burton Neil, Esquire do hereby certify that a I served a true and correct copy of the within
Reply to New Matter on defendant's counsel, Ron Butler, Esquire at his/her address of record via
first class mail, postage prepaid on the date set forth below.
Date:
u./t~( .,
BURTON NEIL & ASSOCIATES, P.C.
)
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BY: <---<~l - /'
Burton Neil," Esquire
Attorney for Plaintiff
The law firm of Burton Neil & Associates is a debt collector.
C-814
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BURTON NEIL & ASSOCIATES, P.C.
BY: Burton Neil, Esquire
Identification No. 11348
1060 Andrew Drive, Suite 170
West Chester, PA 19380
610-696-2120
ATTORNEY FOR: Plaintiff
CITIBANK (SOUTH DAKOTA) N.A.
: IN THE COURT OF COMMON PLEAS
Plaintiff
; CUMBERLAND COUNTY, PENNSYL Y ANIA
YS.
; NO. 05-1195 Civil
N G BRUNO AKA NANCY G BRUNO
Defendant
; CNIL ACTION - LAW
PRAECIPE TO SUBSTITUTE VERIFICATION
TO THE PROTHONOTARY:
Kindly substitute the attached verification for the attorney verification filed with plaintiffs Reply
to New Matter.
BURTON NEIL & ASSOCIATES, P.C.
c
,
:1
BY: ,ff:,. C. t
Burton Neil, E'Squire
Attorney for Plaintiff
Veritication
.Sherri Smith
is a litigation assistant for Citicorp Credit Services, lt~~ provider under
((1I1Irilct with Citibank (South Dakota) N.A. both of whieh arc wholly owned subsidiaries of
('iligrnLlp USA. tbe within PlaintitTin this action. She verifies that the statcmcnts offaet made in
thL' t;"egoing Reply to New Malter! Affirmative Dcfenses are true and correct to the best of her
k "",,,ledg" ilnd belief The undersigned understands that the statcmcnts made herein are sLlbjcct to
th,' 1',:1l:1I1 lc', of IS l'iI. ('.S Scdion 4904, relating to unsworn falsification to the authorities.
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Signature
N(i lhuno
1:'7J,,~210SI19765
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BURTON NEIL & ASSOCIATES, P.C.
By Yale D. Weinstein, Esquire
Identification No. 89678
1060 Andrew Drive, Suite 170
West Chester, P A 19380
610-696-2120
Attorney for Plaintiff
CITIBANK (SOUTH DAKOTA) N.A.
: JN THE COURT OF COMMON PLEAS
Plaintiff
: CUMBERLAND COUNTY, PENNSYLVANIA
VS.
: NO. 05-1195 Civil
N G BRUNO AKA NANCY G BRUNO
Defendant
: CIVIL ACTION. LA W
PRAECIPE TO SETTLE, END & DISCONTINUE
TO THE PROTHONOTARY:
Mark the above matter Settled, Ended and Discontinued.
ASSOCIATES, P.c.
(
By:
/'
The law firm of Burton Neil & Associates is a debt collector.
C-814
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