The URL can be used to link to this page

Home My WebLink About05-1973 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL V A IA CAPITAL ONE BANK, : CIVIL ACTION Plaintiff vs. : CASE NO.: 05 -/913 Gu:lt'tll..n-- ELIZABETH TEVES, Defendant NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINS THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WI HIN TWENTY (20) DAYS AFTER THIS COMPLAINT IS SERVED, BY ENTERING A WRI TEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILING IN WRITING WITH HE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST OU. YOU ARE WARNED THA TIF YOU FAIL TO DO SO, THE CASE MAY PROCEED WITH UT YOU AND A JUDGMENT MAYBE ENTERED AGAINST YOU BY THE COURT WITH UT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR NY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MO EY OR PROPERTY OR OTHER RIGHTS IMPORT ANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER AT ONCE. IF YOU DO T HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE S T FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMA TION OBTAIN D WILL BE USED FOR THAT PURPOSE. COURT ADMINISTRATOR CUMBERLAND COUNTY COURTHOUSE 4TH FLOOR CARLISLE, PA 17013 (717) 240-6300 DOUGLAS M. MARINOS & ASSOCIATES, P.C. ereira, Esquire y. . #75242 Atto ney for Plaintiff 101 N. Cedar Crest Boulevard Allentown, PA 18104 (610)434-2814 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL V A IA CAPITAL ONE BANK, Plaintiff : CIVIL ACTION vs. : CASE NO.: O~ - /9'1-2, C;u~U<iruv] ELIZABETH TEVES, Defendant COMPLAINT 1. Plaintiff, Capital One Bank, ("Capital One") is a banking institution ith an address of 456 N. Kimball Place, Boise, ID 83704. 2. Defendant, Elizabeth Teves, is an adult individuals with an address of 5 eaver Road, Camp Hill, P A 17011. 3. Capital One issued the Defendant a credit card subject to the terms of the Cardmember Agreement ("Cardmember Agreement"). A true and correct copy ofthe Card mber Agreement is attached hereto, made a part hereof and marked as Exhibit "A". 4. Defendant has incurred charges for purchases, cash advances and/or fi lance charges in the amount of SEVEN THOUSAND ONE HUNDRED SIXTY-ONE and 5 /100 DOLLARS ($7,161.55) as of February 7, 2005. 5. Defendant's obligations are based on a subsisting debt, were in writing and flse from a preexisting account. 6. Defendant is liable to Capital One on this debt as an account stated. 7. Defendant has defaulted on his obligation to make payments to Capital On by failing to make any payments from and after January 5, 2005. 8. Pursuant to the Cardmember Agreement, Capital One may declare a 1 amounts due under the Cardmember Agreement immediately due and payable without notice or emand. 9. Under the Cardmember Agreement, Defendant is required to pay all the ttomey's fees Capital One incurred in exercising its right to collect, which Capital One anticipat to be in the amount of FIVE HUNDRED and 00/100 DOLLARS ($500.00). 10. As of February 7, 2005, Defendant is indebted to Capital One under the Cardmember Agreement in the amount of SEVEN THOUSAND ONE HUNDRED SIX Y-ONE and 55/100 DOLLARS ($7,161.55), plus interest accruing from and after February 7, 20 5 at the per annum rate of 6%. WHEREFORE, Capital One demands judgment against the Defendant in the ount of SEVEN THOUSAND SIX HUNDRED SIXTY-ONE and 55/100 DOLLARS ($7, 61.55) (comprised of real debt in the amount of SEVEN THOUSAND ONE HUNDRED SIXTY -0 E and 55/100 DOLLARS ($7,161.55) and anticipated attorney's fees in the amount of FIVE HUN RED and 00/100 DOLLARS ($500.00)) plus interest from and after February 7, 2005, at the per nnum rate of 6% and costs of suit. DOUGLAS M. MARINOS & ASSOCIATES, P.C. VERIFICATION I, Tracey Eccles, agent of Ca i tal One Bank verify that I am authorized to make this Verification on behalf of the Plaintiff and I verify hat the facts contained in the foregoing pleading are true and correct to the best of my kno ledgf, information and belief. I understand that false statements herein are made subject to the p alties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. ,Yet-e~-42-/ TRACEY ECCLES \ 01J5"5-1\ C~':STO\,\ER AG~E=,\tENT \VEr..CO:-'lE TO CAPITAL 0:'\2:7, We <1;<.: pleased to c?e;. :'::-;.;~ crdi: c:l.,d ;l.CCQ'.:.r,t, This As;rcc.-r:C7"" c~r.~::Js i;.:C;:;~ltion J::o~:;, ::..:, ;jco.::l.::J~ Pk:L.\C rod i: Jfld keep it fe; yoc::,rew,0s. b this Ag,e:::~.~:'.: (:.,,~ 'No;r..s "yow", "I'm::'," :<.r.c ")'c;;;$" ,C~Cf to cxh pcr';0r. wl10 5:;:-:_''''; :;1~ a??(iC;l~i:):-: :;.c (0 .,nYQ;,'~c:s.; ,,-,~.o \:5';$ :::e ~CC;J~~r.: ir. ;>.:1/ ',,:;. j"nc \>"0,,;'1 '\v.;", "~;5", "O'_:~," S'.:, ::::$50r, C. ;;IS, -5 \1, C l;~ ~ l.. :\g;cc;;":cr.: wi:i;c;,;: :0$ I;; \~',em C1:':::~: O~e DJn:": ~L_ :',5 c'''v'~' V,:, Tigr:ts L:::':-:::' Usir;g Yeu: Account. '::'OL: r:~J,'-'~ I\',:'::"'.~SC$ J:ld 0;;;';::-. c,'-s~, :l.J'I;mccs (if C;1:;;1 J,l....:l..:,ccs a;c J.1 0;;:0" fo;' y,J\:, a::cour.:) by L;,:~S; YO'J. C;1:"U, :b70l::'.: ,.'J;,;ocr, :L""'.J :>';';YJi:cQ~r.: JC::CS:S chc;;k5 (i:-::::":';;::j; Pu~d1.J_sC C~:,-d0, Convcr:lcn-:c ChCC:"5. SpceiJi T.J:15:cr Cr.,;:,::.w .::::J o::tc; sir::I!J[ c~,(c',w) th;lt wc ;:iJY sc,.d ('J YOu, Wl1c;; 'NC rrovi.::~ Y:'0- ,vi:h JCCO:,JI1~ J.:ccss c~.,;d:-" we 1,-;11 te!1 yo!..: wl':cthcr ::~cy os::' :c t~c::;.:cJ;:t:; ptiicr.J':'c.s, ,.1.5,1 Jdv~\:',c\OS cr s;'l'cia: !:.r;l;:sfc;s. C~k.s$ ',; c ::::: you o:hcrwisc. C..:.,:.'.'C;::C::CC Chcc;:; "',::\ ;];',',.J)$ b: t,C;~:C~;l5 C".;\ :-:,h'J:1CC5. You asr:::.:: (:-,~: ""'C :l;C r;,:.'t ,C5;),~:\~~~::C i:- ~:.:,';:;:C ;cfLl5c:i :J ;-;;:;. Y\)\l~ ;i2COL;;-;(. [(yo:..:. G'-l ;',:)\ I;:;C y,)C, J,~;;,)I..:;:, you J'r1JY CJr.':C. :: :::;, rC:\1'-";>1:(; YO!;; C.1;':(,) ;JI1J ;1';:,:0\.::'.\ >1e:e,iS c~ 'ck.>:o 1..:$ witi ;;1:';; -:'J'.'$ aftc; )"OLl reeC':-iC :~c;n. Ccsr: cqcivQ:enr 1[0,1'i(::::(;0:"15, 1:- (.15':: JJ~'J.:,ecs ,,~,~::;-; '.~'::;:., f0, YOUt ac..::ol.;;'.'., )'Cl CJf: us;:: YO;j~ :>"':'~,~\,;',; t,:, f'I.::c;-.~\sc i(c:..s directly CO:lv:;-;(~:e to .:;dl. TI:<:5c C.1S:; c,~',;i'.,,~c:'I: :r;ws:lct;.::,:.; ',,-:',; c,; trc:1tc;:! J.S (;15:' :1dv~\[,c;.::', ,w.': ,'i:' be b:~~';,: \0 t;:~ CJ'<, ;1C',: "~ segrr:c:.,t. of YCl.;~ 3XOU:J:. c~.';~ C,j'~:y:::k;it t:;:~s,c::c.w; ii',:i'Jc'; P'~h':-::'.;;;: (Jfw':;~ :~;::"$:-(;r L;();;'~Y u;..;c;s. bc~:" k::c:)' I:ckf~:~. ':.'.: ;',J E~lT::-:8 d1:PS, J:,.d c<'\er Sii11:)d~ p.-c~~:.:c:":; 0; S'C"~i::C$. Your C"cdit Li,,;it. Yc.,; Jl:rcc (0 ;;'~l\C p;'~C)IJ5C5 or oV.;'''::', "C;:\_':' .dvJl1ee" or.ly ~tl c;) Y('.:; ,-;'(:,;i( )ir-nit. !t' YJ.; hJYe dif;o:.::~l: :;:.::: limits for dilYc:-cnt ,c(.:-r;;;::'.~ \::)'\J:.r ;:(~\Jur:[, YO'.! ","i;j be:~ 'V~ .~. :ne (,e;.lit li;-:)i'.5 en yOU;" ;:'~r;0d':c st~t~n~(;r.:. Vie r.",J.y c:',~,r;r,; ;<~; crcdl~ li;r.it Jt J..'1Y \"i:1'.C, r;;a/ 1i:T::: ,i,e. ;:<.n~D\\:~t ~~1J: is J'>ili!J~):c Lr C':;~;"1 :l...!var.cc5, or n:;:ty c:':c!t.hk cx;:; ;1;i;",-",,:c.> C;\t>~:y fiDrn yo:.;~ ac "Vc n1.:1) honor :,:::;~s;j(;,ic,ns in c.((~.:;." 0; I'Oi..:; ;:ic.dit lin,;t .1.~(; ...L~_ lr~n:;;tc:,io:1s "....ii~ t:-:: cove,ed by (:\:5 AB~ccr;:c;;( MOf:':-lg Pcyn~8n~'i. ';\)\\ \c>)r;-::5c 10 ~}y lIe; ;j~l ;1:; ......, ,-..~ n:::sLJ1ti~b from t:.e USe ofyolJr K;;O'~;'c~, ;r,c!,:;,~:i1~~ :1:11 (;il::":,~: d:~.:;c.'; 2.1d "ll: cr chJ"Z.cs dL:c ~:;i L!cr (::c :C~;l',~ ,,-,f [h: -' ,.".S' cement. r Ji~ '.. ,-" n'.\Jst be m;;dc i:" U.S. ,-'.;:;liars. ?J.:!;T~Ci;is l~,,;'!,j;c by J. r'~b'. ,.~--"v i:1.s:tr\\;T\cr.t sucl1 JS J C~1.C-:,;';' or J. rr;o:lcy Gid~r n;<:.st be :.'1 'a :~.'" Jccept::t':;lc to U3 ~;:J be c:;1.....n or, a U.S. u;;:t;lc:Jl tns\itl.:'.iD;;, '{eu. must pJY;::! 11;;)..';, ,t.: ;)1ini,.-,I..:<.1 pJ;,";'",'-;;~: sho.;;";"; 0:1 J~-' 5tJ'Cmrnt. Howeyc;, you r.-:;1: P,\y m0~12o t;1~:: :;;c n;inimu.;-;, F'.)~-;~';;-;: O~ py the bJ.!JrJ.cc in full. l.1 <I:,y C~.<;C, C.:-.~1.l,::; (;hJ:.g~s \,'jJ! ec:'.;;;-:.;c to be ass(',:;ec c'.;.,.iog bllli11g peril,d,; () ;'.: Y"\\ CJrry r\ C;l:::;-.CC 1'1~l~.'.~(j:':,ss of '.,:::;t;.::, Q, L'Jt YCl'- S:. ", ,'.V5 ~ ,rl:~;;. payn:ctl[ due. I'le CJ.."1 ;1(:((;:;t bte P~':'~I,Wt.s or P~)11iJI FJyrc.c::ts or ck~cb ~;-,,:: mO:Jcy orders ::1.Jrkcu "p.1yrr;ent I:: Edl" cr o:ne, simil'lr [:>';',Sv.;,;c withou: losing <1:',)1 of o\.:r dgnts w:;;.;::. [hi~ A7,;ccr..cnt incluc;~.;; c',,:, 0\3:\( 10 rcc~ivc payment in full. Periodic Stotemcr11. Each rr;onth >'Oll r.J"e a bJbncc \:1 YO'Jr a((ount, we win send 'jGIJ. a stJlcmcnr sr.o,vi"g all lr::nsJetior;.'; Ci!~;;d to y,;:.ur aCCOUnt during thc bil:ir.g perioe. The Hilii'll'; period is :i-:c titTlc from onc statcmc:1t d,)sinZ dJ:c tDilJug:: J:-.d i'lduci:1S tn~ ;,;.\! st::~cme,lt dosing d<l\c. TIle S(;l(<:IT,c"t dQsing cble dctcrr,~..~ ~~:c rnonln of;} sped:!c billing period. for o:..:::1'II1\c, your h,'l:JJf'j b~:::"g [)c>\od i5 tl-1c bining pc~,Qd w::h l;;e stJter:;<:nt c~(\5ing oak il: J~--::';J["j. =ino.'1c-:; Ch":,lge. 11I!o;marion, 1\. Minim;;:.'! i'ilie.'l!;"" CJ:in',;'c. For c::.ch bllilll; period thil.t )'c''':; 3CCOU"t is subject to :'I1~i'\Jn;e cr;q;e,,, minimum tot<11 fr,:'-:'.:e chargc of SO.50 will bl: imj)oscJ. If r!lc total finar:cc c;;~.~ge rcsul:iI1,; from tne JP?/ieJtion YO'"lr pcriodic [ate(s) is less \:-.:,,, SO.50, we w;1l subtr;:lct th<1, ;l:T1Ount fr0m \~1'; SO.50 mtdrnu:-:~ e,.:',d Ir.::- diifcrc;lCc wm b~ bilkd to the ~:ll:;eh;\.;12o segr.:C71t of ;,'(,'Clr ;\cco\.lnt.. AccilJing Fillaf:ce C!ta.~gl!. You rr:JY llOr .il'/:;(d fin;);:,::; c{1::.r3c (,;, cash o.dv:l.l,ccS and spcdal tr;;,nsfc;-s. You r.1:J.y avoid f;J1:1:1:e charge on new purc.hases, new sjlcci::l: purchrLSc.:;, llr.d 0:1 new Qthc:r charges by paying the \o~Jl r;ew ti:'.!;!n;:.e in full prior [2 the fQHoW1i'lg s!z.lemcnt closing cate (this i5 Ib:: gmce period or; r;ew pwrchJ.S~s). if )'Ol! ;;;0 not pay the cr.lirc nelV bJhn(:c fro". t;-;c previo!.:..; n..;:,r.thly stiltcmCi1:, finance ch::.rgc will <lccru:.: 0:1 tLe ent1re previoiJ:: new b;J.hmcc from tile fi;':;( day efthc new ;-;:Ling PC:-:2>J. Fi;1:J.r:C~ ch:lrg<:, W;"~;l 1lpp:icJ'.)~:':, will be J.55csscd.::s [.:::"W5: :\ Tl'....nJc:;Gns r.-;:lCC c'~:ing :J;e n;:7:::-1: biiJing pcric.:: fw.";l :r;:ns:l:t~:):1 0:1:::. :1.. U:;~':::CG t;J:.,;1c:i':;;-:$ ,.:,d t.J......s~crio:-.s r:...c.~c \-yi:;l c.,:'.',Cl'.ic:^,,;:cCI1:X:,.:;: {;o:n;; ,~~,::; ti;:: lrJ;JSJ.ct;cr. is p;c,;csscd (0 YO'.:, acc:,:,,:;,.:. :\ T.J:1SJ.:\ions l1"':Jd: p,;c, to :1,;; ';:~;:;;:J: billi;1g period: from ihe /itst (;l~cn';J, C:J)" 0;" Itlc c:,;;rc:-.l bil\ir.g period. C. P~'.".:;'.j;c },";:"""S, Be$~...n:;'Jg r.o b:;;; t:;;c.;, YOll. Fcbru:u)' 1999 o::l:;-,.; pC:lcd, we dctc:TI',~;-.c :he C.1::Y ?c;-icd~c ro.tc by dividing [;.-= .1.;-:;,1;:11 ;;C~cc;llJ~-= rJl: by 3..55 <lJ',J ,cL::;c;ng it to the r.eJ.rcst l':lC'],COG:h of )0/" (Uiltil (:';J: t;;~,e, ....;c ce:crminc tt,:: daily rc:;-;;:;,!;e r;!rc by (!i';idir,g t;;e a.,ill~;ll ;;C:~(';::'.:J;e ra:c by 365 il.:ld r":'.;:..'::;1g up to :;I~ ['.C:'.~C5t l/~CCO~:1 of 1 ;;'.) The f:l:e n;il.Y be c:;;'",~~,t ;;:;r CJ;:;I; sc:~,,~c:;t: O:'Y>:'I:; ~::C0~,~, (c.g. CJ.Sh :Jdv;jnc~! r~:'c.' '.';.;, s:l'~ei:l\ F-";;:::'::l.'iC, a.-;d s;:C,:;.I. t:;"~:H:e, if J?pJic;lbk. fDr Y2 v . ~-::011;;:). Y C'.J W':~C tol,1 :.:~C (~.,:iy ;:c;iD~ic r.1tc(s) wilen YOll c;.,,-:-,',',: )"Ol.:r ;\c.:ou:::. lfy.;:..\., :'.CCJu;lt [,J.5 ;:;~ il1t,OG<.l<,;tCry fa:c{s), t:-.~ ;J:-:(5) will n:rna:n i;l eff::..:: o.:nks$ )C:" arc 30 dJ.Ys or mo,e ]J:~ ::-1 nL\k~(1g :l pay,,lcnt or arc o'..<.;:::~.,i: in which c:tSc th.; p~,':c:~i;:; LJ'C(S) may be cr.:lr.,;cJ to 1:1C FCS:i:1troJuctory rJte(s). It c::hcr r:l:C cl1J.ng~s J.rc rL\-Je 5:l".:;scqL.:cnt to yOU! JCCOU!11 YOll will be JJv;s;d oCtilc r,c'.\" ~:i:C. D, C.;:~-; ;',l;;'ng Fir;1ll1Ci! Cher:;.... We tJ!c.1b:e fl;1o.;;(;"(: c:-:;>.r;o:. CJch ~^.' ~~:' n::;:ll:J:Y;;'\i,; t~.c bJ~J,iC;: cf c:;cb. scgY.'.c;-.t ot jour nccour,t (-.:.:.::" t~s;: ;1~V;];,<':C. p'~,ci1~:;(', SjJe.:i.l! p:J~Ch;bC, :r;IG s;cci;]! :':-J,;"s~';:;) by H:c cl::ily Fc"[":(ld~;: r'~:c(s) :;:J, b.<; bee;>. prc\-iously (b::,:.,c;J t,.) YO\!. 1:;::ch UJY dlainz \~,c lil1ir..s eyc!e, we apply t;,c CJi1y periodic f::k f!;Jf eJ::11 scgrr,c-r.: cfyour J.ceoun! to t~c '", '.. cJ,."r;cc of c;l-::h sc~.c:~t. \Ve Ii:C:l J.dd uj) the rC$U)!s o( t:-.,~:;: ~;J;:j C:J.kL:1al:;):~s :0 ;::;\'1;:::: YCiJr tot,d periodic finance c;~.,' l;>"' T~l ." : (;~,; ScpJ,Jlc d.1.:~y b~J.:-/';cs fCJ, eJC!l scgrncr\t cf your Je:, l:;:: foc (h'~ curren: bi::'::1g (yek, \~ach (by we Lt'>:c tll..; S~;,,~k' OC;::L1iCg b;>.J:;.t.c::: Lr c.1:"1; s":2.:;;-:;;( :l.'10 SCPJr:l(.dy add ;>;'.:' ~";}~-s:t':t:OllS .1m! J;l)" pc..:::~:.;: fi.;:,l::CC c!-urges c.l.:culJ.tcd on l'::: ?;;;V~(/~", r..J.Y=--s C.1:J.r:.:;; fcr C:\::1 ,<;~c"r. W;;- tl"c" subtr.Jct L;.' p"',r,~(\:.:; or c,cdi:s rc.l;~j;;:; cf ::,:::t my illJ: J..e a!liJCj:td to ~,1:ij scg~-;:''':r.(, This gives i;S L'r: ~;:l'.l,:l~'; d.1ily b.:d:H;''';CS for c;;'::J s,~gIT;c:c.r of;-'O'J.. :lCO'..1::::, Howc'"c" ll:::: c.1ily bJj:u:cc for p',;.I:~cs is consid~;cd to c..... :l.CfO fc: c.1:n ct.1.)' of t::~ l,."UITCr;( 'oil~:,.g cycle if )'ou p:J.:d in fL:U L'-,c ~~c..." B<1w,ce, if ar,y, ShOYVIl 0:;' YC'J: pr::\'~al.l$ s::i:crr::::n: (cr if Y'~IJ: ~~,~W f:3Jl:u:cc w;].s 2120=0 c; a crej;r a:l<ount). . E. C;.:sh Adv;.:nc<J Fcc Fi::nr.c(,' C/!!;rl';i!. If a c:tSh ;ldVilJ1ee fec ~- - ,',':.;; :'" Y:'\ r :\(((0;)1:(, yCI.t \'''-::'~ '.,~,~;~ ::1:; fe,; wh,~0. Y\C\1 (";;;;'i;;~! Y~;J, JCGJ'Ji.,(. 111e f~,~ win C(: ':";~J.r,;'~J c;lcn time rOLL ob\ilin :l C:,,:1 ~JVJr;::c il.;1d \"iH bc; :lGCC,:\ to ti..c c::.s;. J.dv:mcc scgment of )V;~: :Jcccllnt. lfti,c fee is cr.<lng;:d sClD,e-;uent to YGur ilCCOUl:t cre;,:;;;;, you will be advised ofthc new fee. Other Charges. 1":1(; fi)l1o',vil:g elmg::. nlJ)' be billed to the pure:-2;;c SCr;J':1L"r:t ofyollr !:ccllnt: 1:;;1; tllJTge if we do not receive YD:.:r Py:-:'!:,;,t in time fc,( it to be ct\cci~td by ~,c: foHowing sbtcmcnt clo$ir.; 2::.(e; vVcdi;'ili~ cb~g~ ifyJ.',)- :!.~;:Q\.1r:t exceeds its ass1gnel'l ereoi: iil;;it, even if we Jpp.oycd (;,:: ov~r1ir;.Lit V-1l10UlJt; rctumed d:cc~~ C:i:t,":.;C jf a check is rctllm~d to U$ for allY rC:lSOrl, or if we C;1:-,no\ b::,nor your account ::ec',:::; tnccb for any r~;.\.son; Jnd r.OP/i~6 ci".r,'ges for duplicate copi~cs oftr;J:'.':;::lctions or statements \:;1:C5S .q:Jl,cd for tJi\1ing dispJ:": rc,:uhti'J;1. These cho..scs will not be ~scssd if YOl..:r bilii:-L~). acu:w.; ~'<lS ;:1 PR when YO:Jr ::lecount "vas o;:;c..co. Tne fee a~;;('t::1:S 'Ncre di~c>:d \0 you when you opcr:'~.i Y'J\Jr account. If .:tilY of thc:se fC~$ ~;e changed subseq\.lcnt to yo:.:; Jccaunt opcr.i:lg, YOLl will be .::cvis,;;d oftne new fcc, e;~~,:'clship Fee. If your :lccount :-:~$ ;J. membership f~e, i: :t~ ..;:-,c:osd 10 you \vhc" you opened yc'-:r account. 'nie [ce will ~ b;::cd to the purchase: s:>.gment of yo:..;~ :leCQunt. If t1H~ fc~ is :;2;;;~J scbs~qu::r:t to yo.:: ;1ccount o;~;;::1g, you will be >lJviscd. f,;:;:c;-:;'!!\::,,:;, 'U~;~;;8 Offers. Tr.t:: :,'.-;::s q(J.~Y L;!~:; 'J;";';[ will be d:5~to5Cd:0 ;,y.: 2: el:;: tia:.e Lh.e cf:"a;.'; :~;Jdc, Ifyo'-l :::cpt <l.."1 of;::r, l.h,~ tcr-:,".~ 'xi~! t:c'::0r;;e t:fLct~\';; i,,;:;:c.;i;l'.;;:y \.1;-;:,;,'s-, o:;1'~"vi"c: 5;~t:cir;c:! i:-: ::~~ c;':"cr. Ce;C'c.,:iL We r;;:>y cCI1$~dcr ycn to be: 1;1 oefJ.u!t under L"::; ,\gr:'.:;,--;:::nt if: (:I) YOJ f:d to p:J.:, ti~c n::;'L::num pa.ymc:1t on t;:::~c, Cc:J yea exceed YC'Jr c:cditli.",it, or {c) YCU pay us with funds tlu: Me rC'..:",cd for ;my r\':J.$on, To t".e ex::::;t F'cmUtkd by law, ym.:. :l:J:! :>!50 be in dCf:ll:lt UTIckr this Agrc\:lT,c~: if: (l} you viobtc ;l.jy ot th~ oU:er ten!'.5 cf t.l;is Agrccr:lc;-,t, 0;: ;'.r.y of the Icrrr.s o-f 3....'1)' ct:~\':r J.:grccrr,cr.: wie! us or :my of OUi' Jf:-:~;",tes, or (2) y0U IT'.:J.c:e ~;:l:. fJlse or r;:i,)~c:1dics Sl31cll:.\:f!tS on yo;.;r Jpplic<lt:on, or (3) \.:l:::..:::-..:;::tcy or ct:;;;:r ~solv~ncy p.ocac:.:.::;s arc inslitu::.:d by YO;1 L-~ ;,!;:C::1Sl YO'J, At1er Y~ill Jr~ in d::f~w:: (c.~ "f:er w'~ ;:\'1:'. you a:'.y r;o:;~~ of or rigll! 18 CUt'~ l3C d~f:1\lt: i(r~~lJi[ccl b>'!:lw), \VC n::l;, r~s~ct YGur .J':COU::! fre,;.1 f.CV{ trJ.nsJ.c::c,:":s, orc!ose yom ;J,CCOl~r:: ::;-.',; C:cn:J0.d imr.-.cdi:ltc p:'T1jl'Tlt ofth:; <::-:::r::; G'JtstJ.:'";,d:r:.g bJ.!::r,::::, To t~:;: ex:cot rcn:,ilted by bw, you ::1,-~:~'~ to P;\Y ;1H COU:-: C0S'.$ c.:;',; CO:kctlon expei.;c;:s incL:rrcd by us i:-t the collection of .1:1;' ;\;1,~'~1:,~ you owe us IJLdcr tr.is A~[cc:'):~;-,:.. tCyou dcf:J:Jlt (lld ',,(; ,::f-:7 y:':,,;:- otcon:"lt for collection to ,,:; ~::l)rncy who is r.ot our ,,;:_l;~~ i <:r~:plQY'~~, t) t>.:: extelll p\:r:-,;:::~d by bw, YOti agree ;Ci p"'y rc;;:$on:l_bl:; ;l:tom~ys' fres, You 01.';;) :1;:::r (0 paj: any CDS:':; we: r;',.,:,.. i,'\:l:r til H:,;ievi"g yOl:r cards, incL:6ing any costs we: n~2.Y t::';L:: b:; h:wtnr, YO'Jr '2.CCl'''Oc ~b:l:d 0:', 3. restricted. Id, if You Close YO;Jr I\ccounf. Yot. C:1;\ ,:;1.::-,c youraCCQlHlt 'oy r,o,ifyi::::; us in wri:ing. lfy"u close }")'-':: "J.<:CO\l:lt, you r:1n~( $:;\] pcy ;1\i ::'"lOunis you owc 1:S :'.i:"d ,,',-:11 'Je n:spo:15ible for :::~,y ch:":,;es J);lt YOll :w:1:ori::_tC pr-ior 10 givi::g us your f'.otic::. If (1;;:;::- is:l \\~,,:;;b~t:>h;p fc..: for yc'.;r ;),,;,:o',!:\l, t::(., fee will c.')O!i"C1C to b:: (:;-~:'.r~e<, to the ex:~nt pc~:r:i~:d by b':,', ";;--:~ll tbe 3C'.:Q';r\{ b~bJ:c: ;',,1"; ':':'!~:-l p:lid i~; f.:lL You l~:'"i:;t also r::'.',~,,"::111 ores ;md aCCGtJ:;! ,'co:ss:;:;"c:.:s to u~,':.J:~cel 3:1 ;),'t:;lUC'::J;-::::d biBinz ;J,r.:mf,cme,.:, ,l:~J c: .::e HStr.g yo':.r :l''';C(~',:::L ICy'.\\.: w:!nt tl) s::;p an JI,;:;,ori;:ed US::'-=-S XC:C5S to your :1ccc]\'.::t, yc,:: ':"Lt\:'.t scrJd us y..'I;T.~en r.otic,~ alon? v,:~)~ 111C: uscr::=s carel (if ;J;:'j') ", J ;':;y account access c:hed:s b:: or sbc nlJ.Y bve. If yga ,He t:.:-,.'.c;c: to rcillri'. t:'.:1t person's card and 2(:,:;ount access checks, "i!;;d y,;,~ :>.~I.v;S(; lJS in writing to :::],:)SL'. your ;l~c0unt, your ~CCOlH1t '.l,':H b~ ,:lo;~J ard be:."': jnu :nrl the joint c;l1"c;;loldcr, iLmy, m:lY - ;> ;:,~'.\' ",C,. ':;t. If 'i,~ .:;():' 11<::: <l~'C::"';;lt, ;'0:1 ,'1nd t~,-" ~:1:d~d-:er, i~- ;JJL)', '-iil! s~;i; be 1i:J.olc, ::;Jividu.1liy anJ il)zet.':~l, ;:)r -1:; ;'.;:--L:)UtlCS c;; !,,~;d tc YOur :lc.cr)\) - GCSi'S-2: if \"-/8 Caned YQur Account or Suspend Credit Privileges, We n1J)" at ;m>' time, will. or wic..~ou: :::Jusc ;:;r,J WiL.10ut ~dvJnce "ot;cc, temru,ate ::1is Agrecme,;).t Jcdror (c"'2crarily or r'::n~;"[r.,:,:.tly suspcr:d your credit P~lV\lc:g~5. 111is i.r;(::C;~c.:;, b:: is not ;l41:;::J to, ~:t\L1t:c':'";,s ',,,b~r': you 1-_1\':: viob'.rd this ;\:;;r:.'::.-:;~n: cr wt;el'e 'A'~ ~:1',~ rC:lSO;l Ie; doubt YOIJ~ c;e..::r,",or~\~i:1CSS (:c: e);xn<'l'~, if }'C:. p,1j' 1.:$ with ~n$ufficicr;t fc::'.,~.:; c;;~(;k$ o;~ :~~.J;:: C\J.D J:: 0:';;::15:\)[1.11 bJ.sis), Yo\:r o":l::.;::::cn; U,,(!~, t:::.s A:;,~'~[~,'~nt C0;,tll,:;,~ c,::rr ;o;lr 6gh:.., (Q 0'::::::::" creJit 11:;\'c tC:'::" t('rT:lin;:;:~l: 0t s;lS~~r.dClL Vh:-rr..:l)' GeL1Y in cn:-~~;:~:-Lg 0,", r:;:::" ll~ldcr this ..\~~~::::::;:;~:;t WiL'.()Ut lo~:;;g ti:e:n. Changes In Terms. We may J.mec.d or c:::wge [11]:, prt of )"o'Jr Agreement, ij~,JGC!i;lg the periodic r-.l\~s. ;tnd otha <:f1;1;ges, or zed or r"mov~' n:quL:-c:n::n:s :.It a;:y time. If we do so, W~ \vili give you notice it' ';:2.j:i~'~d by bw 0; such :lmend:r;mt ();' change. Cbtl;e_; to t::e an:;;:,11 pcr:e:1t,1ce r;l:~(s) \'o'i1] Jpply to your ~.::~)'..:.::t t;Jbnce f,,~';71 G:c crft:c:ive (bt~ of the C~jn5e, W;ll'(}-.,:r ar l~ot t~,~ ~l(;C():"::<; ~~~.'1.:-,ce ir;~lwkJ. i'.~Gl:, bill..:J to 1.1\,: J.":C0Unt ::',~:('re t!-\:- Cb;lgC ,;:;t;: J.f\d ,,1:::(::::; u n~',1. yo:.! c<;ntlJ,UC to l~S~ '..::~ c.cC,Jlln!. C:J2.::g-.:s to ices ;-,rjd ot::r~ ch;u:~cs wid ::P?ly to yo'.!r :l:C()\.;,J fmm t)~,~ e;r~,:t1.,.c d,,!e l)rt~'..~ ctl.1[1::,.e. I\pp!icab:c LC'N. 11::;; Ag,cc:1'xn: will be go','c;;;.cd by Viq;ini."J bw ~rtJ F:,:(~cr'.l: !:l's. SevS':obility, 1:--.~ :"vJ.lidity c:,r ~;\)' p:-oVi.i:Dn of this A:;~cer:'.~:1t sha!! :',0: 3.:"'i~ct th<e Y;3.ii'lity c;<any o:~cr povis\orls, Lost or SWill!) CiHC5 or Account Access Check:;, IfyC\.:~ orcL'i 0, JC'::CWf;1 ac:~~.i c;lccks <lIe !os~ or stoL~n or iJ sonxonl' else n1J]' be llSi-"Z t;::m wiL~o'.:t your permission, !:otify USat G:1.:e by caJl!;:g tr.c ~c;;:pho!:e I\'JI-dJa SI10',>1} on the frO:1! ofyou:r pcrioc.:;c stlkn:l>:nts, Your huhi!;;:," for l~I;:tut:lOri.zcd US~ ofyollr C;L":L~ G, ;]ccou:), a.ctcc:;s checks "L..~ll ;:01 n'ccc:d $50.eo. You \vill );0: tc bole for lH'..2'.ltl;crizeJ u:;c :;,a.: occurs af',cr you notify us. Your ~;j;;ng Adciross,\'.:,\: :l3r(',";0 6;','C U~ \',r;11:::; I,,)',;cr; of ;:J;-,;: Ch:t;l;C in yc:;., b'lEr:t; ;],:M~'cs_) 3.: k:lst 10 days hfr;,rr th~ {;:;J::';;~, Ch;t;lB::.s. i:,:ty be: w,(Ucn in lh'~ S;'Jcc p;v;iJ,c.J Oil (h~ ['::11::L111\:['. ,~,''.[pOI; po;ti():, f)f YQU~ r:;-;IY!\C S:J:~;,,:::::t or n".::1Y b;:- s'~r,: ,Q th:; fo!lov:i:;g ;:dd;t~3: C~iJ::;ll One, p, O. DDX 35;)15, }Ucb~cnd, VA 23:35.5015. lfyour :J:CCG'_mt is ;1)0;,',( :J.CCOU:j! or if:;"tlre tJnn o"c pcrson is {J.::m',itt';:d to U~~ it, yell J.:;rec th:lt :ill GO,lce;; rq;:l.rdlq; t::e. account r;:,,,y be:. sent sold:; to th~ ;::cdr~ss shown Oil our billing rc:.:::GrJs. Corr.rr~unicot:c~J' We r:1J.Y c;::l yell (vsing live O?er3tors, :U::f):~13t~: di11it;g c'~:\":~~~, or n:"-Grd':d n:':':;SJ~:L~';) at home or "'0:~; :J;;;~ t;"DS'~ CJi!'; y;i!'. L;cth: ~'O'Li;C~~.~ci lJ,,';oiir:;l~(:. We nl;ti ;\1(;. ,:tor or rt{.:ord :'ny c.11!s we nu1.:c cr lzr:ei-y'c, Vie :1"-',Y rek;'!:;::: in:G,m:ttion to o:i;er~; n:g.1d;ng the stJtus or history of yoer .:.cco,,::.~, V.,'c IUY r:;Jk~ inquiries of thin: p:trtics in conn<:ctiml \\'i~:l rnJin~J.il,illg .!;-.J colit-:.ting'your '::CCQ>J:lt, 3..lld yOLl anL.~crizc su::::, tf'.ird p:>,r:ie" to rdeJ.,<;c iJ1r~m:,\:;<!n JbOllt you to U:i. Ccrdholder i:c'"\'3nt.s, C:]fdh~')kkt o("i1cfits ri:':'Y be: cDc.nged Gc:c-,,::ip,:'.(cd w::h~''.1t n()[:;;~. The l",,::E::(\t5 mz:y b::: provided by :;-;i~ci p::::;r:,~; w,~ 3.,;; ;:0: ;:ab!c for ::l;C:, Dc;,e[\t; or fOe th i'.cli'Jt\:; c;- (',.,l\i$~,';'jns of tLr tt\i,,j p;lfti:;s. U.S, Currency. I:Y\ill m'lx...:. Co pU,dl<l"'~ or CJ~h aJvor:ce in fo:,,:!gn I..:\\rrcr.c:)', tbe tr~U$action will be: converted jn~o V.S, DQi;:"s using Vis;\ or :.h:;t,~tCJrJ rl:l;ljbticl~S ar~d Vi:,:\ 0, :'~:is~t:rCJ,u D'lJ.)' chuge you n. c:on','cr:o;:o:l fer;. Ti,,~ .-~:,e in cfkct 0" t:....1.: co,,1:;rsiD:l Ij~~c n1J.j diftc~ fro:n the rate used on tLc t:r;dlSJctio\l d;1tc, ,. ....' ~L~i 0," -n_ ::"'1) ;:~j ...:0._ ~ co -rJ c.) U1 -.l 1 (.:) "'l. ~ 1 ........ w B r- "- l.0 r3 ~ f! "w t: r SHERIFF'S RETURN - REGULAR CASE NO: 2005-01973 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS TEVES ELIZABETH RICHARD SMITH Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon TEVES ELZABETH the DEFENDANT , at 1940:00 HOURS, on the 25th day of April , 2005 at 5 BEAVER ROAD CAMP HILL, PA 17011 by handing to ELIZABETH TEVES a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 11.10 .00 10.00 .00 39.10 ~._ ~~~v;"(;~;J.~:c"~~:::. "7' /.~'.>f__;-'-'" ;f~~ ,,..--:~~~ R. Thomas Kline me this 3.~ day of OS/26/2005 DOUGLA' MAR~ By: " "-- , Deputy Sheriff Sworn and Subscribed to before -I l'Yv....~ ;; OIJ .; A . D . I~L (l ~.~ Prothonotary . . . ('^ ,. , . (" ., \ 'F" . ~ .:" I'~'-'. '--'.~. , \J ;:.:) ~\ \'zf.\\,,\\\'~,,-\l "-:.' cs- \'\'\") \J,J";;t\j ",LC,\ c ' \\\ \. L\ \JT Court Administrator, I received this on ~8, 2005. I have had no correspondence with Capital One since Sept., 2004 when I received the attached letter from NCO Financial Systems. Attached is also a copy of the cancelled check. Therefore, I was unaware of this debt. I will be glad to make arrangements for repayment of this debt. At this time my budget will allow a payment of no more than $12S.00/month. If Capital One is agreeable to tllls I can start repayment in June 2005. s\ \ c,\ C>L.J ~~ . PO Box 41417 . DEPT 61 Philadelphia, PAl 910 I 11111111111111111111111111111111111111111111I11111 NCO FINANCIAL SYSTEMS INC 507 Prudential Road, Horsham, P A ] 9044 1-888-899-5865 OFFICE HOURS: 8AM-9PM MON THRU THURSDAY 8AM-5PM FRIDAY 8AM-12PM SATURDAY Aug 6,2004 RF4713 ELIZABETH TEVES 906 HUMMEL AVE n 2 LEMOYNE, PA 17043-0025 CREDITOR: CAPITAL ONE ACCOUNT #: 529115167693]262 REGARDING:JNIK71 - CREDIT CARD BALANCE BALANCE PAST DUE:$ 1288.27 · · · SETTLEMENT OfFER · · · We have been authorized by the above referenced client to acc~ $708.~s a lump sum of the above amount so long as payment is received within 30 days of the date of this letter. Make your check or money order payable to our clieut and forward to the address listed below. [fyou have any further questions or need assistance, please contact us at 1.888-899-5865. ~~~ This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. ___________f!:EA~_~_'3..~I~~..i'J_~!~_~_<?~Tlc:~_'!Y..'!_':I_~9_~.'3_f~_~~_~..i'J_~j~..KE_5!~~~_~'2'2~~5!~_~~?_v;!5!_:r:~i.Rc:~9_J::l_~!..i'JQ.?W) 04!27!200~ 08:03 Ffu\ 717 98~ 34JO llID ATL.A.~"TIC I(lJ 002 __.,~ . ______ 0_" _._ Elimbc~ T<;vcs. . ." ., BekDCllmm\IniIYer.dIlUnlon 448.' i ~~" ....:.. '3500'TriiuIleRi;Ilf -.' .... ,'~d~,I.'nll;>""s; . C...../ljllPAI1UII .', " ,ClmpHiIIPAlTOl1.., ..no.Te.~'\ ?~~, .\ . '. ~ ~ _.~~___~..~".._~~..;...,....~~...__~---.,..~.. ^n~-""""'" C'I~ ,.........- - .......-.,.. p' .... ..... ....~....-.....,;:,.,...:;....Q.!l,:1~~~~~.,.:~"~.:;..~::.:::-,.:..:.;....::..:....:: P', .,.... . .... ...., ''0.. 'O.L:...1.F.-l.QQD~~ <_.......::... P,t,"fTO'fli'E l\(\_-:L .... \ ,.. ., I fS ==: ~ !. I ORD&ROf 'YQ.1 "9-1\0............ u.l-~ '\""t"."""() . .' t'lc)'& .....t-> ,! .tL~~\~..:-~tl~..b.~~_~ ...... . COlLARS ,'1 1 MEIoIO~~l\'" . ~'~~L_'" .: B naOqq 71: OOOE. rn~ Sq!;"1 .o~~a ..tOOOOO?OGSS..1 , . , i --= ='.:~.r 1110000010855,.. U Jl I: B BUlaoqql: I.. 9RS a3~ 0?1~ 6~ ~P~Z6~ f~B ~F.POa%T ONLY ~!i~gC:~R~!fllif." ol~~ lflliH~Te:~~0~.~l.1t:~~~r!!l ~ ~ ;:;~'~I' ! ,... li ,,~.. 1'\ \ ~ .. ~.: ~.: ~ ~ I' I .;. 4 ~ ~,;: ... ., ". }.; I .;, '-. ~ ~i; ~ i 'J :: ~~ t I ~ ~; ~;, ! ~ ~I ;:: (j ~ 1 -~l ~ ~-I---'-'-l-'- ~I ~.'" II. ., - C; , :- ~I ,: ~I J I I I .I~ ;~lii ~(I / ;l~ \ I \. . "1'. I I I l ra'~\~i!il\\~~;j-~ __I__~.J fi{lJJ\a ~;\ ~1~ turIC ; 1 ~ . t . 7Q~:J4~~Qi!N ;'IG l' i ~ _-_s_.:..... "':-=-_'" ~ "'J 'J t R{~ aNte 1:18$1 .r I I . 49UM{.. tW, i. 1 1 ~ 10 ;j ., b ~ n. ;:; i< 1 :''\, i ~r'l:.f""\.,.-rQ"''' r: !"J ...- -. ~ ~ ! ...k"'. '"J J,.:...~--:...r; ': _... ~':i-" , ........., Lrre~104459S r....'J i"i r,,"\ c., .. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION - LAW Defendant. ) ) ) ) ) NO. 05-1973 ) ) ) ) CAPITAL ONE BANK, Plaintiff, vs. ELIZABETH TEVES, PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT The Plaintiff, Capital One Bank, ("Capital One") by its attorneys, Douglas M. Marinos & Associates, P.C., moves the court for the entry of a summary judgment in its favor in this action under the provisions of Pennsylvania Rule of Civil Procedure 1035 and in support thereof, states the following: 1. Capital One commenced the above-captioned action by filing its Complaint on April 18, 2005. A true and correct copy of Capital One's Complaint is attached hereto, made a part hereof, and marked as Exhibit "A". 2. The ad damnum clause of Capital One's Complaint demands judgment in its favor against Defendant in the amount of SEVEN THOUSAND SIX HUNDRED SIXTY -ONE AND 55/100 DOLLARS ($7,661.55) (comprised ofreal debt in the amount of SEVEN THOUSAND ONE HUNDRED SIXTY-ONE AND 55/100 DOLLARS ($7,161.55) and anticipated attorney's I DOLLARS ($7,161.55) as of February 5,2005; (e) Defendant's obligations are based on a subsisting debt, were in writing and arises from a preexisting account; (f) Defendant is liable to Capital One on this debt as an account stated; (g) Defendant has defaulted on her obligation to make payments to Capital One by failing to make any payments from and after January 5, 2005; (h) Pursuant to the Cardmember Agreement, Capital One may declare all amounts due under the Cardmember Agreement immediately due and payable without notice or demand; (i) Under the Cardmember Agreement, Defendant is required to pay all the attorney's fees Capital One incurred in exercising its right to collect, which Capital One anticipates to be in the amount of FIVE HUNDRED AND 00/100 DOLLARS ($500.00); and (j) As of February 7, 2005, Defendant is indebted to Capital One under the Cardmember Agreement in the amount of SEVEN THOUSAND ONE HUNDRED SIXTY-ONE AND 55/100 DOLLARS ($7,161.55), plus interest accruing from and after February 7, 2005 at the per annum rate of6%. (Capital One's Complaint and Defendant's Answer ~~ 1-10). 7. Defendant's Answer responds to Capital One's material averments with denials so lacking in specificity that they must be admitted pursuant to Pa.R.C.P. No. 1029(b). (Capital One's Complaint and Defendant's Answer). 3 8. The Exhibit attached to Capital One's Complaint provide Defendant with sufficient information to admit or deny the allegations referenced in paragraph 8 hereof, and accordingly, the allegations must be deemed admitted pursuant to Rule 1029(b) for Defendant's failure to specifically deny the same. 9. Notwithstanding the general denial of Defendant's Answer, Defendant is indebted to Capital One is under the Cardmember Agreement in the amount of SEVEN THOUSAND ONE HUNDRED SIXTY-ONE AND 551100 DOLLARS ($7,161.55)plusinterestaccruingfromandafter February 7, 2005 at the per annum rate of 6% (Affidavit of Tracy Eccles, ~ 3(i), the Affidavit of Tracy Eccles is attached hereto, made a part hereof, and marked as Exhibit "C") and attorney's fees in the amount of FIVE HUNDRED AND 00/100 DOLLARS ($500.00)(Affidavit of Jorge M. Pereira is attached hereto, made a part hereof, and marked as Exhibit "D"). 1 O. The admissions in Defendant's Answer demonstrate that there is no genuine issue as to any material fact and that Capital One is entitled, as a matter oflaw, to judgment in the amount of EIGHT THOUSAND FIVE HUNDRED EIGHTY -SIX AND 85/100 DOLLARS ($8,586.85) and costs of suit, plus interest accruing from and after January 18, 2007 at the per annum rate of 6%, 11. There are no genuine issues of material fact which may be presented by the Defendant and Capital One is entitled to judgment in its favor. WHEREFORE, Plaintiff, the Capital One Bank, by its agent, Capital One Financial Services, Inc. moves for summary judgment against Raymond L. Fauber in the amount of FOUR THOUSAND 4 TWO HUNDRED EIGHTY-SEVEN AND 391100 DOLLARS ($4,287.39) and costs of suit, plus interest accruing from and after November 3, 2004 at the per annum rate of 6%. DATED: April 3, 2007 Respectfully submitted, & ASSfIATES, P.C. Pereira, squire J.D. #75242 A orn for Capital One Bank 1 1 N rth Cedar Crest Boulevard town, PA 18104 (610) 434-0504. 5 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION - LA W vs. ) ) ) ) ) ) ) No. 05-1973 CAPITAL ONE BANK, Plaintiff, ELIZABETH TEVES, Defendant. CERTIFICATE OF SERVICE I, Jorge M. Pereira, Esquire do hereby certify that I have on April 3, 2007 served a true and correct copy of Plaintiffs Motion For Summary Judgment and supporting Brief on the persons set forth below by first class mail, postage pre-paid, which service satisfies the requirements of the Pennsylvania Rules of Civil Procedure and local rules, at the address noted below: Elizabeth Teves 5 Beaver Road Camp Hill, PA 17011 DOUGLASfraf~P'C' J~rg . ereira, Esquire ~ rney .D. #75242 orne for Plaintiff orth Cedar Crest Boulevard Allentown, Pennsylvania 18104 (610) 434-0504 tSdu kr It ~;ii'i o ~ 0 <=:> -n <;: c...'" ::P"' :::j ~., _1_ -n ::;0 rn p -[1''''-' -1:)0 CJ CJ.h :~;) -11 ;;'~~ ~~ om --I =:iJ --< / ~2 ~ -,., %~~.' ~~ COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL V AiiIA ~ CAPITAL ONE BANK, : CIVIL ACTION Plaintiff vs. : CASE NO.: O~ - /913 eo~tT~ ELIZABETH TEVES, Defendant 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 IS 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 YOUF AIL TO DO SO, THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAYBE 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 LA WYERAT 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 IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. COURT ADMINISTRATOR CUMBERLAND COUNTY COURTHOUSE 4TH FLOOR CARLISLE, P A 17013 (717) 240-6300 ereira, Esquire . #75242 Atto ey for Plaintiff 101 N. Cedar Crest Boulevard Allentown, P A 18104 (610)434-2814 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CAPITAL ONE BANK, Plaintiff : CIVIL ACTION vs. : CASE NO.: ELIZABETH TEVES, Defendant COMPLAINT 1. Plaintiff, Capital One Bank, ("Capital One") is a banking institution with an address of 456 N. Kimball Place, Boise, ID 83704. 2. Defendant, Elizabeth Teves, is an adult individuals with an address of 5 Beaver Road, Camp Hill, P A 17011. 3. Capital One issued the Defendant a credit card subject to the terms of the Cardmember Agreement ("Cardmember Agreement"). A true and correct copy of the Cardmember Agreement is attached hereto, made a part hereof and marked as Exhibit "A". 4. Defendant has incurred charges for purchases, cash advances and/or finance charges in the amount of SEVEN THOUSAND ONE HUNDRED SIXTY-ONE and 55/100 DOLLARS ($7,161.55) as of February 7, 2005. 5. Defendant's obligations are based on a subsisting debt, were in writing and arise from a preexisting account. 6. Defendant is liable to Capital One on this debt as an account stated. 7. Defendant has defaulted on his obligation to make payments to Capital One by failing to make any payments from and after January 5, 2005. 8. Pursuant to the Cardmember Agreement, Capital One may declare all amounts due under the Cardmember Agreement immediately due and payable without notice or demand. 9, Under the Cardmember Agreement, Defendant is required to pay all the attorney's fees Capital One incurred in exercising its right to collect, which Capital One anticipates to be in the amount of FIVE HUNDRED and 00/100 DOLLARS ($500,00). 10. As of February 7, 2005, Defendant is indebted to Capital One under the Cardmember Agreement in the amount of SEVEN THOUSAND ONE ffiJNDRED SIXTY -ONE and 55/100 DOLLARS ($7,161.55), plus interest accruing from and after February 7,2005 at the per annum rate of 6%, WHEREFORE, Capital One demands judgment against the Defendant in the amount of SEVEN THOUSAND SIX HUNDRED SIXTY-ONE and 55/100 DOLLARS ($7,661.55) (comprised of real debt in the amount of SEVEN THOUSAND ONE HUNDRED SIXTY-ONE and 55/100 DOLLARS ($7,161.55) and anticipated attorney's fees in the amount of FIVE illJNDRED and 00/100 DOLLARS ($500.00)) plus interest from and after February 7, 2005, at the per annum rate of 6% and costs of suit. DOUGLASM.MARfNOS & ASSOCIATES, P .C. .----- ' VERIFICATION I, Tracey Eccles, agent of capital One Bank. verify that I am authorized to make this Verification on behalf of the Plaintiff and I verify that the facts contained in the foregoing pleading are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. TRACEY ECCLES CUSTOMER AGRES\I\ENT OOSlS-1I WELCOME TO CAPITAL ONE? We arc p1cucd to Opc:l )"our credit c::ud account. This Agreement contains inCortn:ltion about )'OUO :1C:~t. PI= TC3d it and kcep it Cor your records. In this ~grccr.c1t the words .you., .your," and "yours. n:Cer to each pason who signed .lIe :appliCltion :lnd to anyone dse who uses the :account in any \Io":S)<'. The ...'ords .we., .us., .our," mean Capital One Bank a..,d its s-.JCCCSSOrS or usigns. We can dcl:!y cnCo.cing our rights under this Agn:cincnt without losing thc~ ~ Using. Your Account. You carl make purchucs and obtain C::!Sh advances (if c:lSh adv:l.'lccs arc an option Cor your account) by using your Q;d, account number, and any.account :lCcess cbeck$ (indudir:g purc:hue Chccks, Convenicnce Chccks, Spcc:ial Transfer Checks a.'ld other similar cbecks) that we ll13Y send to you. Whcn we provide )'OU with account access chccks, we'y,ill tell you whether they wm be lrC3lcd :IS purchases, C1Sh adV3llces or special transCers. Unless we tcll you othawise, Convcnicnc:c Checks will always bc treated as ClSb advances. You agrce that we :Ire not responsible iC anyone reCuses to honor Your account. If you do not use your account, you ll13Y cancel it by n:tuming your c:MC!(s) and account access checks to us within 30 days after you receive them. Cosh Equivalent Transactions. IC casb advances are an option Cor your account, you cm use your account to purchase items that arc dircc:lly convertible to cash. These C1Sh equivalent transaetions ",ill be trca!d as cash advances and will be bilkd to the cash adva:\ee segment. oC your account. Cash equivalent transactions include the ;;urchue or wire lr.InsCcr moncy ordcrs, bets, lottery tickets, casino gaming chips, ,md other similar products or sc:rvices. Your C,edillimit. You agree to ll13ke purchases or obtain cash :.ivances only up to your crc:ditlimit If you have dilTerent Cl"Cdit i,mils Co. dilTerent segments of your account, you WIll be informed of ihe CfcOit iimits on your periodic sbtement We ll13Y change your crc:tlit limit at any tmc, lTl3Y lirr~t thc amount that is available for cash adva!lccs, or m:lY c:xc:1udc ash advances c:ntirc:ly from your account Wc may hcmor lr.Ir,saclions in excess of your eredit limit and those tn:n.ucti'Jns will bc covercd by this Agreement Mol:ing Payments. You promise to pay us'all amounts due resulting from the use of your ac:counl, indutling any finance charges and ot'ler charges duc under thc tenns oC this Agrcemcnt. Payments . mUst be lTl3de in U.S. dollars. Payments made by a negotiable inslnimcnt such as a cllcck-or a moncy order must be in'a-fonn accepbbl~ to us and bc drawn on a U.s. 'financial institution. :'. You must pay Ott lcast the minimum payment shown ori your E~tC."n.C'lIL Howcver:you I1\3Y pay mon: than thc minimum payment. o. ray lIe bal::nce in full. In Dny c:isc:, finance charges will continue Ie be _ assessed during billing periods that you carty a balance :t';;~rc;ess of whethcr or not your -stalement shows a minimum p.l)-rT.ent due.. We CII\ accept latc payments or partial p:lymcnts or ehecks and money orders marked .payment in full. or other similartanguage withou: losing any of our rights um!er this Agreement including our right t'3 receive paymc:nt in full. Periodic Statement. Each month you bave a balance in your account, we will send you a statement showing all transactions billed to your account during the billing period. The billing period b the time from one statement c:1osing date through and ineluding the next s~cm:nt closing date.. The statement closing date determines the month of a specific billing period. For example; your JanUll)' billing ~od b the billing period with the statement closing cbtein January. Finance Chc..ge Information. ^- Mjn:mu.." Finance Charge, For each billing pcrfod that"your account b subject to a finance charge; a minimum total finance charge of S0.50 will be imposed. - If the tobl finance chaige resulting from the appliCltion your periodie ratc(s) b .~ess.!han 50.so, we will subtract th:1t amount from the S0.50 miniminn and the difference WIll be billed to the purc:hase segment of your "cc~unt. B. AlXTlIing FUJance CJuzrge. You ll13Y not avoid finance charge on cash advances and special transfcni. You ll13Y avoid fmance charge on new pUrehascs, new special purchases, and 00 new ocher charges by paying the tol3l new balance in full prior"to thc following statcment closing date (this b the grace period on new purchases), If you do not pay the entire new balance from the pre,ioL:~ n."nthly sblcment, finance charge will acaue 00 the entirc prcvioUll new balanc:c from the first day ofthc new billing pc:ri>ld. Finance chJrge, when applicable, w11l be a.ssesscd as follows: X Tr:m.sac:tions lTl3de during the c:um:nt biDing period: from trannction date.. X Undated lr.\.'lsac:tions and tr:Ills:actions ll13de ",ith convenience checks: from the da:e the transaction is processed to your account. X Transactions made prior to the .:arrc:nt billing period: from the first C1lendar day of the curTCDt billing period. C. PuiDdic Ra/es. Beginning no later than your Februuy 1999 billing period, we dctermine the daily periodie rate by dividing the :!:lnual percentage r.lte by 365 and rou.,ding it to the nearest lIIOO,OOOth of I%. (Until th:1t time, we determine the douly periodic r.lte by dividing the annual percentage rate by 365 and fO\L,ding up to the n=t III OOOth of I %.) The rate may be different for e:u:h segment of your account (e..g. C1Sh advance, pu.>h:lSc, special purchase, and special toa.-ufer if appliClble for yCMt. acc:olDlt). You wc:c told the dally pciocfic ratc(s) when you opened your aa:ount If your account bas an inaoduc:tory ratc(s), the rate{s) will remain in effect unless you are 30 days or more late in ll13lcing . payment or arc ovc:r1imit in which case: the periodic ratc(s) may be chmged to the postintroductory ratc(s). If any othcr rate changes are made subsequent to your account opening, you wtl1 be advised of the new rate. D. Calcula/ing FUUUJC~ Charge. We C31c:ulate finance charge cc:b d:!.y by multiplying the balance of C3ch segment of your account (e.g. cash advance. purchase, special purch:lSe, and special 1r.L.'\5fer) by the daily periodie rate{s) that has been previously disclosed to you. Each day during the billing cycle, we apply th~ daily periodie rate for each segment of your account to the daily balance of each segwc:nt. We then add up the results of these daily c:aIculations to arrive at your total periodic finance charge. To gct the scpar.lte daily bal:mces for c::teh segmcnt of your :lCcount for the current billing cycle. each clay we t.alcc the scpmfc beginDiDg baIancc for each segment and scpantcly add any tran.s:lCtions and any periodic fiDancc ch3rges calculated on the previous daJ'=$ balaIICC for e:tch segment. We then subtract my payments or c:rc:dits posted as of that day that are allOCl:ed to each segment. This gives ~ the sep.1nte daily balances for each segment of your acc:oani HowevC4, tbc daily balance for pwaweS is considered to be zero for each ~ of the c:um:nt bi1ling cycle if you paid in full the New BaWlcc, if any, shown on your previous statement (or if your New Balance was :zero or a credit lI1I1llUDt). ,_ . E. Cosh Advance Fu FUlance Charge. If a ash advance fee appli~ to your accOl!Ot, you werc ~old I!)e f~ when you opened Your account The fee will be charged each time you obtain a cash advance and wm be added to the cash advance segment of your accoUnt If the fce is changed subsequent to your account opening, you will be advised ofthc new Cee. Other Charges. The following charges may be billed to the purchase segment of your I-:count: late charge ifwe do not receive your paymc:nt in time for it to be credited by the following statement dosing date; ovcrlimit charge if your account acccds its assigned credit limit, even if we approved the ovcrlimit amount; returned aleck charge if a cheek is returned to us for any reason, or if wc CIJInot honor- your account ac:cess chcclcs for any reason; and copying charges for"duplicate copies of transactions or statements unless requin:d for billing dispute resolution. These charges will not be assessed ic"your billing address was in PR when your account was opened. The fee amounts werc disc:loscd to you when you opentd )"Our accolDlt. IC any of these fees arc chmged subscquent to your Otccount opening. )'OU WIll be advised of the ncw fee. embership Fee, Ifyocr :lccount bas:l membership fee. i: JS disclosed to you when you opened your 3ccounl The fee will , billed to the purch3Se segment of your :lecounl If the fee is ~3ngcd subseqcent to yaJr account opening, you will be 'advised : the: ch3nge. llure Offers. The tcrms of 3..'1}' fulUre offer will be disclosed :0 JC at the: time the offcr is tr.:J.ce, Ii you 3CCe:pt a.n offer. the terr.-.s ill be:come effective im.-nedi:ltely unless othenvise specified i:l ;: offer. elault. We nuy conside:r you to be in def3ult under this greeme:nt if: (3) you fail to pay the minimum p:l}"D1ent on time, l) you exceed your credit w::ut, Or (c) you P3Y us with Nods th:lt .e returned for 3ny reason. To the extent pennitted by law. you ;oy;ilio be in def3ult under this Agreement if: (I) you violate: any ) r the other terrr.s of this Agreement, or any of the terms of any cher agreement with us or OlDY of our affiliates, or (2) you I113de :\y false or mis1c3ding st:J.:ements on your applic3tiOn, or (3) 3nkruptcy or other insolvency proceedings are instituted by you ,r against you, After you are in default (or after we give you any lOtiCe: of or right to cure the def:lUII if required by law), we may . estrict your account from ne:w tr:msactions, or close your account >nd de:rrUnd immediate payment of the entire outst.uJding balance. To the extent permitted by law, you 3grce: to P3Y all court costs ,ad collcction expenses inC\UTe:d by us in the: collection o(any ':roount you owe: us unde:r this Agreemenl If you def3ult and we rcfcr your account for collection to :m attorney who is not our s3bri:d employee. to the ex lent permitted by law. you agree to P3Y reasonable attorneys' fees. You also agree to pay any costs we m3Y incur in retrieving your cards. including any costs we may i~;ur by having your account placed on a restricted lisl if.You Close Your Account. You C3n close your account by ~olifying us in writing, If yeu close your account, you must still pJY 311 .amounts you owe us 3ad will be responsible for any ch3rges th3t you authorizl:d prior to giving us your notice:, Iftherc is a membership fee for your account, the fce will continue to be ch;uged, to the extent permitted by Io1w, untilll1e account balancc hJS been pajd inJuIl. You rnust;ilio return all cards and account access checks to us, Qncel all preauthorizcd billing lIIr.II1gemen:s 3nd cease using your OlCCOunt If you wa.nt to s~op an 3uthorized use""s access to your account, you must send us written notice along with the usct=S card (if :my) 3nd any account access checks he or she may have. If Y<<}u are ll!l3ble to return ~t person's card and account access checks, and )'Ou advise us in writing to close your account, your iccount will be closed and both you a.nd the joint cardholder, if any, Dlay apply for a new accounL If we close the account, you :md the: joint cardholdcr. if any, will still be liable, individually and together, for all 3Il1ounts charged to your account. C05iS;21 If We Concel Your Accounf or Suspend Credit Privileges. We m:lY at any tin:e. with or withO'~t c:luse and without :ldvance notice, tc:mUn:lte this Agree::::"-:lt and/or tempor.u1ly or permanently suspecd your credit pri".-:reges, This includes, but is not limited to, situ:J.tioE:S wh~e you I:.m: violo1ted this Agreement or where we have reasOD to toubt your creditworthiness (for ex:l...nple, if ).ou P3Y us wit!! ::uumcieQ( funds cbecKs on more than 3II occ:lsional bJSis). Your oblig:ltions under this Agree~ent cOOltinue 3fter your rights to obbin credit have bcen terminated or s-.upendc:d. We.iIl:J.Y delay in enforcing our rights under this Agreement ~-j~ut losing them. Changes In Terms. We nuy 3meDd or change any put of )"Our Agrec:mc:nt, including the periodic rates and od:er cbuges, or add or remove requirements at a:JY time, If we Q) so, we will give you notice: if required by bw of such ~ or change, Changes to the: annU31 percenbge nte(s) will 3ppIy to your 3CCOWlt balance from the effeeti~'e lbte of the e\u:1ge, whether or Dot the account b:llance included items billed to the account before the change d:lte and whether or not you to:ltinue to use the account Changes to fees and otl:er charges wi!! ilpply to your account from the effective lbte of the cha.ngc:. Applicable Law. This Agreement will be govemed by Virginia hw and Feder:1llaw. Severability. 11;e invalidity of any pro~-is:OD of this Agreement shall not affect the validity of any other provisions, lost or Stolen Cards or Account Access Checks. If your cards or account access checks are: lost or stolen Dr if someonc else may be using them without your permissiou, notify us al once by calling the telephone number shown DO the front of your period;c stltcments. Your li.3bility fOr\U1authoriz:d use of your c3rds or account access checks will Dot exceed S50.00. You will not be li3ble {or unauthorized us:: (be occurs 3fter }"OU notify us. Your BUling Address.You agree to give us wrinen noticc of any ch3:lge in your billing address 3t least 10 lb)'5 before the cbange. Changes nuy be written b the sp3ce provided on 111: r::milt.:mce: coupon portion of your periodic sbt=---:1t or m:lY be sent 10 the following address: Capit3l One:, P. O. Box 85015. Richmond, VA 23285-5015, If your 3CCOunt is 3 joint account or if more than one person is permitted to use it, ).ou agree that all notices regarding the account m:lY be sent solely to the address shown on our billing records, Communicalions, We may C:11l you (using livc operators, aulomatic di31ing devices, or recorded messages) at home or work and those: calls will not be: considercd unsolicited. We nuy monitor Dr record any calls we m:J.ke Dr receive:. We: may rel= informatiOD . to others regarding the status or history of your accounl We: may II13ke inquiries of third parties in connection will1 maintlining and collecting your account, and you authorize such third p3rties to release information about you 10 us, Cardholder Benefits. Cardholder benefits ~y be ch:mged or. terminated without notice. The benefits IXI01y be provided by third parties: we are nolliable: for such benefits or for the Retions or omissions of the third parties. U.S. Currency. If you tnalte a purchJSe or cuhadv3llce in . foreign e;urreney, the Ir:1ns3ction will be cOD~ed in!o U.S. Doiiars using Visa Dr Mastc:ICard regulations and Vis'3 or MasterCard may ch3rge you a convel'3ion fee. Tn: ,ale in cffect on the conversion date may differ from the n:: used on the transaction date. .' -',. c.. i \. .. I ,- ~ -------- , ' . ~)L~)~\t 13 , . . CAPITAL ONE VS ELIZABETH TEVES RESPONSE TO COMPLAINT Jorge Pereira, I received this on April 28, 2005. I have had no correspondence with Capital One since Sept., 2004 when I received the attached letter from NCO Financial Systems. Attached is also a copy of the cancelled check. Therefore, I was unaware of this debt. It was not on my Credit Report last November when I was going over it. . - ~ v~ ~i5r::n =e:ti10 8~ 1-1) '< ~ ~o :Io-H~ =!ii~tD ~ lij' g 0 N -.J -Co 0 o f -<::r;~1:-' !!!!! !!. 0\ >= 5 lij' r '< ao :zc::mUJ iiiii 'tl .... ~ g 1"1:3:1"1 -=-- - '"tI ....~ ;n' 0'" .. :I-i -...' ~ -I\> ~ ~'I '"1 ~ ~. 1"1:J: -. .- ~ g. -or- ~'"tl -...l ,.. -i ~> ('J)g '< ~ ....~ >1"1 iiiiiiii - m ~ s.g- 1:-'<:< _ \0 :::ot:fYg 0 -.J1"11"1 -- !:!l~g S. '"1 c:J VI == 0 3 ~ ::3- ~# -- Cll>8 0 ~8. UJ - ... 0 lru :::0 0._ ..0 ::l Zo- C ~ 5' 0'" c:J iiiii -i ~a g w"< c:J - 0 ru !!!!! ;!8~ ... ~g- trI ...' a g iiiiiii ('J) _Q. ~ - -0 (I) '< ~ - '"tIgO'" 0.......... 0 "0 ~~ :::0 O' ... ~ - ::j~~ ::I ~ ""0 iiiii 1: 0 g-a !!!!! 0 0- ~ "< Q. G ~ ~ J;l g ~!f II> (t~ ... :::j en' g ... I i ;;; '"1 ~8. ... -< ::I !l 0 ~, $ Et-o tI} C g' a' t;" ~ ~ :::0 "'0 -::I g. f [ 8- a'" "0 o g ~ > ~, -< 0 ~ ~ s:: 8 8'> m a ~ ~ Z Q -i ~, ;;; l>> (') a l = ... 0 0'" t::: g "%1 0 (I) e g- "l'l v. :2: m c ~ 0 (JJ 2- ....J (i .... !. ~~>(') >0000000- '"tl C I 00 ... ~ ~~~~~ ~ 0 :::0 ~ 00 1 ... ~o(')~ m ""l 00 ~ (')l;;l . . I (")QO )- I cr ... ~~~~ C\-Ul\Om& ~ r 00 rIl . ~"tI." \0 Q 0 \0 - .g 8~~~6~ E Z 0 \0 ...' :::0 I [ "C V> en "CI~~'" ~CJ]~a~~ i m c: 00 ~ ~ en -a Q\ ~~~(j > Z v. en V> g- en ~ 0 ~~~'" :r ~ ~ ..., ..,....\O~ I ~ O~- ~ ..... g....-~ ~ ~ _v.~ ~ i ~ (JJ ~ .. t ~ In g fI't(j-...l ~ -l lijO _~O\O I (i N "'~ ." ;0 jl) 00 w > rJ'J 0 ~ co - 10( " ~~ - C N 0\ 0 \0 G) -...l N ~ ~ rJ'J :r = (j .., a ~ "" ~ rn ~ Z 0 ~ a g ttI 0 ~ ~ (IQ rJ'J ~ ~ .. (j 2 m (j ., -------------- , . . e.y.h\\P'1" L .. . FEB-;21-2007 OJED) 1.1: 09 Douglas M Marinos & Assoc (FAX)610 434 0538 P 0011/009 , c. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION - LAW Defendant. ) ) ) ) ) NO. 05-1973 ) ) ) ) CAPITAL ONE BANK, Plaintiff, VS. ELIZABETH TEVES , AFFlJ)A VIT OF TRACY ECCLES I, TRACY ECCLES, being duly sworn according to the law depose and say, that: 1. I am tl1.e agent for Capital One Bank, C"Capital One"), in the above-captioned ac~ion~ T am authorized to make this Affidavit on Capital One's behalf; and the statements 1 make herein are made upon my personal knowledge. 2. Il1111Y capacity as the agent for Capital One, 1 maintain the books, documents and records Capital One keeps in its ordinary course ofbuslllCSS, and that it is the regular practice of Capital One to have an employee with knowledge, or with information transmitted by an employee with knowledge, keep records of the execution of notes and mortgages LO it as well as payments made on account of such indebtedness. 3. I have reviewed the books, documents and records of Capital One with respect to the indebtedness of Defendant, Elizabeth Teves, to Capital One and hereby swear that: FE8-21-2007 (i,i.lED) 14: 09 Douglas M Marinos & Assoc (FAX)510 434 0538 P.005/009 ~ , <> (a) Capital One issued the Defendant a credit card subject to the tenns of the Cardmember Agreement ("Card.l11ember Agreement','). a copy of which is attached Capital One's Complaint as Exhibit A; (b) Defendant has incurred charges for purchases. cash advances and/or finance charges in the amount of SEVEN 'fHOl1SAND ONE HUNDRED SIXTY -ONE AND .. I, . 55/100 DOLLARS ($7,161.55) as of February 5, 2005; (c) Defendant's obliga.tions are based on a subsisting debt, was in writing and arises from a preexisting account; (d) Defendant hasnot'o~.iected to account statements issued; (c) Defcndant is liablc to Capital Onc' on this debt as an account stated; (f) Defendant has defaulted on her obligation to make payments to Capital One by failing to make any payments from and after January 5, 2005; (g) Pursuant to the Cal'dmember Agreement, Capital One may declare all amounts due under the Cardmember Agreement immediately due and payable without notice or demand; (h) Under the Cardmember Agreement, Defendant is required to pay all the attomeyts lees Capital One incurred in exercising its right to collect, which Capital One anticipates to be in the amount ofl-1YE HUNDRED AND 00/100 DOLLARS ($500.00); and 2 FEB-21-20J7(IJJED) 111: 09 Douglas M Marinos & Rssoc (FRX)610 11311 0538 P 005/009 . c (i) As of February 7,2005, Defendant is indebted to Capital One under the Cardmember Agreement in the amount of SEVEN THOUSAND ONE I-IDNDRED SIXTY-ONE AND 55/100 DOLLARS ($7, 161.55)t plus interest accruing from and after Februw:y 7, 2005 at the per annum rate of 6%. (Capital One's Complaint and Defbndant's Answer" 1-10). Dated: a/al I . 2007 Sworn and subscribed before me, this .:l J ,Ji)/ day of ~.. .2007. NO~~bliC b · ;---, .' ....''''','11 sondra Roseo. feld '" fl.ose.v. II,,, y PUBLIC ~~ .......... ~.IO. '\ NOTAR. ~ .... .....'~;\ c nty i ~ l ~OTAR'" \'0 'i Montgomery ou. ~ ~ i... } i i State 01 M8rylan,d :~~\ PUB\..'C I~.i My Commission Explr68 -;,--~'..... ......:!!J..! J 81 2010 '-, <>'0 ...........o.:::,...:$' un, ".",;~eRY C \""" 111'''Hln\\\' 3 . . FCll RECVCL[[J . " Ex /ru h d-- S) > . . . ~ . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION - LAW vs. ) ) ) ) NO. 05-1973 ) ) ) CAPITAL ONE BANK, Plaintiff, ELIZABETH TEVES, Defendant. AFFIDAVIT OF JORGE M. PEREIRA. ESQUIRE I, Jorge M. Pereira, Esquire, hereby state the following: 1. I am an associate of the law firm of Douglas M. Marinos & Associates, P.C. and the attorney responsible for representing Plaintiff, Capital One Bank, ("Capital One") in the above-captioned action, and the statements I make herein are made upon my personal knowledge. 2. Capital One has incurred court costs for filing and service in the amount of NINETY-FOUR AND 60/100 DOLLARS ($94.60) to prosecute this collection action. 3. Capital One has incurred attorneys' fees in the amount of FIVE HUNDRED AND 00/100 DOLLARS ($500.00) to prepare and submit its Motion For Summary Judgment and Brief Supporting Motion For Summary Judgme . Dated: April 3, 2007 l;Q........llllIIti..."" .. ..INNIVWtINIIo NOTARIAL SEAL ELIZABETH A. GSCHREY. NOTARY PUBLIC SOUTH WHITEHALL TOWNSHIP, LEHIGH COUNTY MY COMMISSION EXPIRES SEPTEMBER 11. 2008 r-:l ~:~.s ~_.'rJ ~.) :;:;\.J o -n -l --c. 'T\ i-n~~~ ~~...~ I U1 ':::;(8 (",.":-j >: ("-rl (:~~ -<> ~D =-< -0 ::;;r: r:--? .r ~H Capital One Bank , vs ~~{~ ~~~ ~~ ~~ {~; ~ ~ Case No. 05-1973 Elizabeth Teves Statement of Intention to Proceed To the Court: Plaintiff , Capital One Bank, intends to proceed with the above captioned matter. Print Name Jorae M. Pereira, Esci. _ Sign Name Date: (,~ Zd D Attorney for Plaintiff, Capital One Bank Explanatory Comment The Supreme Court of Pennsylvania has promulgated new Rule of Civil Procedure 230.2 governing the termination of inactive cases and amended Rule of Judicial Administration 1901. Two aspects of the recommendation merit comment. I. Rule of civil Procedure New Rule of Civil Procedure 230.2 has been promulgated to govern the ternunarion of inactive cases within the scope of the Pennsylvania Rules of Civil Procedure. The termination of these cases for inactivity was previously governed by Rule of Judicial Administration 1901 and local rules promulgated pursuant to it. New Rule 230.2 is tailored to the needs of civil actions. It provides a complete procedure and a uniform statewide practice, preempting local rules. This rule was promulgated in response to the decision of the Supreme Court in Shop v. Eagle, 551 Pa. 360,710 A.2d 1104 (1998) in which the court held that "prejudice to the defendant as a result of delay in prosecution is required before a case maybe dismissed pursuant to local rules implementing Rule of Judicial Administration 1901." Rule of Judicial Administration 1901(6) has been amended to accommodate the new rule of civil procedure. The general policy of the prompt disposition of matters set forth in subdivision (a) of that rule continues to be applicable. II Inactive Cases The purpose of Rule 230.2 is to eliminate inactive cases from the judicial system. The process is initiated by the court. After giving notice of intent to terminate an action for inactivity, the course of the procedure is with the parties. If the parties do not wish to pursue the case, they will take no action and "the Prothonotary shall enter an order as of course ternunating the matter with prejudice for failure to prosecute." If a party wishes to pursue the matter, he or she will file a notice of intention to proceed and the action shall continue. a. Where the action has been terminated If the action is ternunated when a party believes that it should not have been terminated, that party may proceed under Ru1e230(d) for relief from the order of temunarion. An example of such an occurrence might be the termination of a viable action when the aggrieved party did not receive the notice of intent to terminate and thus did not timely file the notice of intention to proceed. The timing of the filing of the petition to reinstate the action is important. If the petition is filed within thirty days of the entry of the order of termination on the docket, subdivision (d)(2) provides that the court must grant the petition and reinstate the action. If the petition is filed later than the thirty-day period, subdivision (d)(3) requires that the plaintiff must make a showing to the court that the petition was promptly filed and that there is a reasonable explanation or legitimate excuse both for the failure to file the notice of intention to proceed prior to the entry of the order of ternnation on the docket and for the failure to file the petition within the thirty-day period under subdivision (d)(2). B. Where the action has not been terminated An action which has not been terminated but which continues upon the filing of a notice of intention to proceed may have been the subject of inordinate delay. In such an instance, the aggrieved party may pursue the remedy of a common law non pros which exits independently of termination under Rule 230.2. OF CUM lnavicC�. Buell- 4i, Renee X Simpson cProthonotary m_. 3. y' 15` Deputy Prothonotary 0 Fiala z _eta p . a '�\ .'' Irene E. Morrow irks. Sohorcage, 5'Q ,ry�, Solicitor ,750 2n Deputy Prothonotary Office of the Prothonotary Cum6erfancCCounty, cPennsyCvania••a - l Q !J CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 291H DAY OF OCTOBER, 2013,AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE-THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P.230.2. BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square • Suite 100 • Carlisle, PA 17013 • (717)240-6195 • Eaoc(717)240-6573