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Home My WebLink About14-4402 i Supreme Court-,o ;P_ennsylvania WWR# 30300639 C A Pit SJS • Cou sof Common Pleas For PmOromian'Use Outr: Givil�Cove�Shee� CUMBERIiW;'. A54 County Docket No: �� baa iv�iT�M • 177e information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadings or other papers as required by low or rules of court. Commencement of Action: S a Complaint ❑ Writ of Summons ❑ Petition E Transfer from Another Jurisdiction IE33Declaration of Taking C DISCOVER BANK Lead Plaintiffs Name: Lead Defendant's Name: T LORETTA K DECHESNE I 0 Are money damages requested? 1l Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑outside arbitration limits A Is this a Class Action Suit? 13Yes 13 No Is this an IVMJ Appeal? 13Yes W No 47437 Name of Plaintiff/Appellant's Attorney: William T. Molczan' ❑ Check here if you have no attorney(are a Self-Represented [Pro Sel Litigant) 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) CIVII. N PPEALS ❑ Intentional ❑ Buyer Protection Admh ve Agencies ❑ Malicious Prosecution Debt Collection:Credit Card ❑ B Assessment ❑ Motor Vehicle ❑ Debt Collection:Other ❑ P Elections ❑ Nuisance ❑ 1 rransportation S ❑ Premises Liability ❑ Stw,utory Appeal: Other E [3 Product Liability(does not include [3 Employment Dispute Mass tort) Discrimination C ❑ Slander/Libel/Defamation l3 Employment Dispute:Other ❑ Zoni!. -oard T ❑ Other: ❑ Ot' I ❑ Other: O —--- N MASS TORT ❑ Asbestos B ❑ Tobacco REAL PROPERTY !!_.. �V*,NEOUS ❑ Toxic Tort-DES ❑ Ejectment ; t_L-nmm.E"/Statutory Arbitration ❑ Toxic Tort—Implant ❑ Eminent Domain/Condemnation 'lclarat;�-gJudgment ❑ Toxic Waste ❑ Ground Rent dar-a ❑ Other: ❑ Landlord/Tenant Dispute ❑ "MzsCi`c Relations ❑ Mortgage Foreclosure:Residential j, ;Order ❑ Mortgage Foreclosure:Commercial ❑ Qu, nto ❑ Partition C7 Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: Updated 1/1/2011 o FILILJ-O 1 ICE t THE PROThONOTARY 2014 JUL 28 AX 11. 40 CUMBERLAND COU14TY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK `+/I Plaintiff No: 14 - 4gDo, 0-1VIF-PM VS . COMPLAINT IN CIVIL ACTION LORETTA K DECHESNE Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, 47437 WELTMAN, WEINBERG & REIS CO. , L. P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219-1827 (412) 434-7955 FAX: 412-338-7130 30300639 C A Pit SJS C-9) *11S,75 PIN 87TV C,411.5%,4(o(nll IIP7B3,79 P--* 309077 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No LORETTA K DECHESNE Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff . You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1 . Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720 . 2 . DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services . The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank' s behalf. 3 . At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant ' s account, which is the subject of this litigation. 4 . Defendant is an adult individual (s) residing at 11 CHERRY LN CARLISLE, PA 17015 5 . Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX5912 . 6 . Defendant made use of said credit card and has a current balance due of $7857 . 98 . A copy of Plaintiff ' s Statement is attached hereto, marked as Exhibit 11111 . 7 . Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8 . Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due the Plaintiff . WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, LORETTA K DECHESNE, INDIVIDUALLY, in the amount of $7857 . 98 and costs . William T. Molcz , 47437 WELTMAN, WEINBE & REIS CO. , L. P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219-1827 (412) 434-7955 FAX: 412-338-7130 WWR# 30300639 C A Pit SJS DISC VER Discover More Card Account number ending in 5912 Open Date:Jan 5,2014-Close Date:Feb 4,2014 Cardmember Since 2005 Page 1 of 4 ACCOUNT SUMMARY PAYMENT INFORMATION Previous Balance $7,737.16 \' r New Balance $7,857.98 Payments and Credits — $0.00 Minimum Payment Due $1,178.00 Purchases + $0.00 1 Payment Due Date March 1,2014 Balance Transfers + $0.00 I *Includes past due amount of: $1023.00 Cash Advances $0.00 Fees Charged + $35.00 j Late Payment Warning: If we do not receive your minimum payment by the Interest Charged + $85.82 date listed above,you may have to pay a late fee of up to$35.00 and your New Balance $7,857.98 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99%variable. See Interest Charge Calculation section following the Minimum Payment Warning: If you make only the minimum payment each j Transactions section for detailed APR information _ _ period,you will pay more in interest and it will take you longer to pay off your Credit Line $7,200 balance.For example: Credit Line Available $0 'Ifydia tnoke additional chtieges pYou will poybfthe:. AiSd rtfttwill end ttp j usl4g fh[s cav rnd inontft bdlorfceN sf aym on iterst7y'tii srn es�(tttated itki Cash Advance Credit Line $2,200 I your s}A}ernoniitTsrbaut,;,; oP. Cash Advance Credit Line Available $0 I Only the minimum payment 1 23 years $15,082 You may be able to avoid interest on Purchases. If you would like information about credit counseling services,call 1-800-347-112 1. See reverse for details. \ i ._..._._..-.-_..--. REWARDS ...._........__........__............._..........._......................_..............................__ Contact Us Discover.com __......._.................._. Anniverso Month t1-800-347-2683 ! Cashback BonusO Anniversary June Opening Balance $ 0.00 Please make check payable to Discover. You are overlimit. I New Coshbock Bonus This Period + $ 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period —$ 0.00 i overlimit amount of$657.98. Cashback Bonus Balance $ 0.00 lTo learn more,log in at Discover.com Make Check to Discover NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold onn the the perforation below,detach and return with your payment rn�It upon Pay t�Fll rte. payby��10tt� Account number ending in 59121 se "do not fo1d,,rr1p or 0ople'. bisco1-AS30..3 7=2W _ . .._ ..... _ Minimum Payment Due $1,178.00 l �l I'ih1 ilill�ill lil. iijli�i !I � illlll'� i New Balance $7,857.98 Payment Due Date March 1,2014 ................................................................._................_..................__...................._..........._..........._..........._._. LORETTA K DECHESNE 60 CHERRY LN x Amount enclosed S CARLISLE PA 17015-7805 PO BOX 71084 CHARLOTTE NC 28272-1084 303001630 Internet payments must be received by 5PM ETto be credded as of the some day Address,e-mail or telephone changed?Note changes on reverse side D 000001986450777195861078579800054000117800 LORETTA K DECHESNE Account number ending in 5912 Open Dote:Jan 5,2014-Close Date:Feb 4,2014 Page 2 of 4 Important Information You must ensure that sufficient funds are available in your bank account,and See your Cardmember Agreement.Your Cardmember Agreement all transactions must comply with U.S. low. contains all the terms of your Account. You can set automatic payments for: (i)statement New Balance,(ii)statement Lost or stolen cards.Report immediatelyl Call 1-800-347-2683. Minimum Payment Due,(iii)statement Minimum Payment Due plus a fixed What To Do If You Think You find A Mistake On Your Statement dollar amount,or(iv)Other dollar amount. If your scheduled"Other dollar If you think there is an error on your statement,write to us at; Discover,PO amount'payment is not enough to cover the Minimum Payment Due as listed Box 30421,Salt Lake City,UT 84130-0421. You must write to us within 60 on your monthly billing statement,your scheduled payment for that month days after the error appeared on your statement. You may call us,but if you will be increased to cover the Minimum Payment Due. If the scheduled do we are not required to investigate any potential errors,and you may hove Payment is greater than the Minimum Payment Due,any excess will be to pay the amount in question. The Billing Rights Notice further explains your applied in accordance with your Cardmember Agreement.If your scheduled rights. Please see your Cardmember Agreement or visit payment is greater than the New Balance on your billing statement,that haps://discover.com/billingHghts for a copy of this notice. payment will be processed only for the amount of your New Balance.Your automatic payment amount may be less than the amount indicated on the Payments.You may pay all or part of your Account balance at any time. billing statement based on credits or payments after the Close Date. However,you must pay of least the Minimum Payment Due by the Payment Due Date.Send onlyIf you enroll by phone in our automatic payment service,please fill-in the your payment and the bottom portion of this statement in the envelope provided after affixing postage.Payments sent without proper following blanks below and retain the authorization for your records. postage will be returned to the sender.Do not send cash. If you pay by (]Fu check,you authorize us to use information on your check to make on Amount: ll Pay El Min Pay ❑Min Pay+ s electronic fund transfer from your account at the financial institution indicated 0 Other Amounts ; Bank Routing#: on your check or to process the payment as o check transaction.If a payment gunk Account# is processed as on electronic fund transfer,the transfer will be for the amount of the check.When we use information from your check to make on Monthly on the Payment Due Dote Close Date electronic fund transfer,funds may y be withdrawn from your account as soon as the some day we receive Your payment,and You will not receive your Day of month(insert date) check back from your financial institution. The processing of your payment may be delayed if you send cash,corres- Credit Reporting.We may report information about your Account to credit pondence or other items with your payments,if you send the payment to any bureaus.Late payments,missed payments,or other defaults on your Account other address,or if you use an envelope other than the one provided. may be reflected in your credit report.We normally report the status and Payments received in proper form at our processing facility by SPM local time Payment history of your Account to credit reporting agencies each month.If on any day will be credited to your Account as of that day.Payments received you believe that our report is inaccurate or incomplete,please write us at this at our processing facility after 5PM local time will be credited to your Account address:Discover,PO Box 15316,Wilmington,DE 19850-5316.Please as of the next day.If you have misplaced your envelope,send your payment include your name,address,home telephone number and Account number. to Discover,PO Box 6103,Carol Stream,IL 60197.6103.Please allow 7.10 days for delivery.If your payment is returned unpaid,we reserve the right to Paying Interest.Your due date is at least 25 days ofter the close of each resubmit it as on electronic debit.Payments made online or by phone will be billing period(at least 23 days for billing periods that begin in February).We credited as of the day of receipt if made by 5 PM Eastern time. will not charge you any interest on Purchases if you pay your entire balance by the due date each month.We will begin charging interest on Cosh You con pay your monthly Minimum Payment Due,or a greater amount that Advances and Balance Transfers as of the later of the Transaction Date or the does not exceed your current Account balance,over the telephone or you can first day of the billing period in which the transaction posted to your Account. setup automatic payments through a customer service representative by calling 1-800-347-2683.Automatic payments for the billing period shown How We Calculate Interest Charges.We Use the Daily Balance Method on your statement will be deducted on the Payment Due Date shown on that (including current transactions)to calculate the Balance Subject to Interest statement,or the next automatic payment date referred to on your statement, Rate. For more information,please call us at 1-800-347-2683. unless you request a recurring payment dote(e.g.,the 15"day of the month) that occurs before your Payment Due Date or Close Date.If your scheduled Balance Subject to Interest Rate. Your statement shows a Balance Subject payment date falls on a weekend or bank holiday,your payment will be to Interest Rafe. It shows this for each transaction category. The Bolanc processed the business day prior to the weekend or bank holiday.In order to Subject to Interest Rate is the average of the doily balances during the b"ifling schedule monthly payments by telephone,you will need this statement and period. your bank account information.You will be asked to provide the last four(4) Credit Balances. If your Account hos a credit balance,the amount is shown digits of the social security number of the primary borrower.By providing on the front of your billin8 statement. A credit balance is money that is owed those numbers as your electronic signature,you will be agreeing to this to you. You may make charges against this amount if your Account is open. authorization to allow us and your bank to deduct each payment you We will send you a refund of any remaining balance of$1.00 or more after authorize,in the amount selected by you,from your bank account.You also 6 months,or as otherwise required by applicable law,or upon request mode authorize us to initiate debit or credit entries to your bank account,as to the address in the Contact Us section on page 3 of your billing statement. applicable,to correct an error in the processing of such payment.You can concel a scheduled payment by phone at 1-800-347-2683 or by moil of Balance Transfers.Balance Transfers are offergd at our discretion and Discover,PO Box 30421,Salt Lake City,UT 84130-0421;however,we must accrue interest at the standard purchase rote unless we tell you otherwise. receive notice at least three business days in advance of the scheduled Discover may monitor and/or record telephone calls between payment.If your payments may vory in amount,we will lel]you on each y P you and monthly billing statement when your payment will be made and how much it Discover representatives for quality assurance purposes. will be. The Discover®card is issued by Discover Bank,Member FDIC. TL23N CHANGE OF ADDRESS If correct on front,do not use.Please print clearly in blue or black ink,in the space provided. (� Street Address I Home Phone 1 Work Phone City Email 361661639 To make changes to your address, email or telephone number, visit Discover.com Continued an next page DISC VER Discover More Card Account number ending in 5912 Open Date:Jan 5,2014-Close Dote:Feb 4,2014 Page 3 of 4 CONTACT US --.. _...---__......__ __......................_.................._.........................................................__.._.......---......_......_............................_......__.......__............._..........._............_........_...............-......._ ........ _ _ . _...................... 0 _ Web Mobile Phone Inquiry Mail Payments Access your Manage your 1-800-DISCOVER Discover Discover account securely account onytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream _m.Discover.com i _ _ _UT 84130 IL 60197-6103 Transactions Trans.Date Post Date Fees Feb 1 Feb 1 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 85.82 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 85.82 2014 Totals Year-to-Date TOTAL FEES CHARGED IN 2014 $ 70.00 TOTAL INTEREST CHARGED IN 2014 $ 170.31 --............._..............._...._.................._............—....—..............._.......---........................_...............__..........__............._............__..... ............__.........__...................-.......__................._...........__..._....................._.......__..........__.......................__..........._._..._.......__................_...._........_.._.........__... Interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Current Billing Period:31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 12.99% V $7,778.61 $85.82 Cash Advances 23.99% V $0.00 $0.00 V=Variable Rate Information For You For more information about how interest charges are calculated see your Cordmember Agreement or go to www.discover.com/interestchurges 30300639 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION LORETTA K DECHESNE _ Accounl number ending in 5912 Open Date_Jan 5,2014-Close Date:Feb 4,2014 Page 4 of 4 30300639 i j VERIFICATION XS (Name) (Titl of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative of plaintiff herein. Additionally, he/she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC-insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He/she verifies that he/she is authorized to make this verification. As an employee of DB Servicing Corporation, he/she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he/she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date (Signature) LORETTA K DECHESNE DB Servicing Corporation servicing affiliate XXXXXXXXXXXX5 912 For Discover Bank WWR# 30300639 C A Pit SJS SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson F UEO-O{; f ICT,. OF THE PROTHONO TA R). Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor ;sor at C1r100..rryd 1.11 OFFICE OF THE SHERIFF 20I4 AUG -8 Alf 1I: 01 CUMBERLAND COUNTY PENNSYLVANIA Discover Bank vs. Loretta K Dechesne Case Number 2014-4402 SHERIFF'S RETURN OF SERVICE 07/30/2014 04:37 PM - Deputy Dawn Kell, being duly sworn according to law, served the requested Complaint & Notice by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Loretta K Dechesne at 11 Cherry Lane, Middlesex, Carlisle, PA 17015. 1/ Zaw-n DAWN KELL, DEPUTY SHERIFF COST: $34.78 SO ANSWERS, August 05, 2014 RONR ANDERSON, SHERIFF (c) CountySuite Sheriff. Teteosolt. Inc. FILED -OF HOE '1 HE PROTHONO l'T Ati 2014 OCT 20 PM 3:.1.14 CUMBERLAND COUNTY WELTMAN, WEINBERG & REIS CO., L.P.A. PENNSYLVANIA BY: William T. Molczan I.D. No. 47437 436 7th Ave Ste 2500 Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 30300639 WTM/SJS Attorney for Plaintiff(s) DISCOVER BANK Cumberland County Court of Common Pleas vs. No.: 2014-4402 LORETTA K DECHESNE PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter without prejudice . WELTMAN, WEINBERG & REIS CO., L.P.A. By �/vu William T. Molczan, rsquire Attorney for Plaintif IIIIIII111111111111111111111111111111111111111111111111111111111111111