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Home My WebLink About14-7379 o , Supreme Court of Pennsylvania Court of Common Pleas For Prothonotary Use Only: Civil Cover Sheet Docket No: Cumberland County IV- 7�'"j The 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 law or rules of court. Commencement of Action_ ® Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking S E Lead Plaintiff's Name: Lead Defendant's NamTORRAINE G BENNETT C Bank of America,N.A. Dollar Amount Requested: M within arbitration limits I Are money damages requested? ® Yes E]No (Check one) ❑ outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑Yes ® No A Name of Plaintiff/Appellant's Attorney: Svretta Martin, Frank Janello, Beth Arnold Howell, Kami S. Miller, Christoph r Titu El check here if you have no attorney{are a Self-Represented [Pro Se]Litigant) Nature of the Case:Place an "X" to the left of the OM case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim,check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept.of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E ❑ Product Liability (does not include ❑Ernployment Dispute: mass tort/ C ❑ Slander/Libel/Defamation Discrimination T ❑ Other: ❑Employment Dispute: Other ❑ Zoning Board 1 ❑ Other: Q N ❑ Other: MASS TORT ❑ Asbestos ❑ Tobacco Bi ❑ Toxic Tort-DES _ ❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste ❑ Ejectment ❑ Common Law/Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partion ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 111120 2877663 PPTXCPRI(11/01/2014) 11111111111111 IN 11111111111111111111111111111111111111111111111111111 fill Syretta Martin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 Kami S. Miller, Esq. PA Bar #78590 a4 Christopher Alan Titus, Esq. PA Bar #315746 P',r'r - Blatt, Hasenmiller, Leibsker &Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 TELE: 215-564-1567 FAX: 215-564-3818 Bank of America,N.A. c/o Blatt, Hasenmiller, Leibsker &Moore, LLC IN THE COURT OF COMMON PLEAS 1835 Market Street, Suite 501 CUMBERLAND COUNTY, PA Philadelphia, PA 19103 Plaintiff, CIVIL ACTION —)sNo. lul• LORRAINE G BENNETT 236 BOSLER AVE FL 2 LEMOYNE PA 17043-1927 Defendant. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a 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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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 REFERRAL SERVICE 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 800-990-9108 aru 2877663 PPTCPADI (07/18/2014) AVISO Le han demandado a usted en la corte. Si usted quiere defen derse de estas demandas expuestas en las paginas siguientes, usted tiene veinte dias de plazo al partir de la fecha de la demanda y la notificacion. Hase falta ascentar una comparencia escrita o en persona o con un aboga do y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisa do que si usted no se de fiende la corte tomara medidas y puede continuar la demanda en contra suva sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propieda des u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 800-990-9108 File No.: H0024997 Reference No.: Bank of America,N.A., ) Plaintiff, ) V. ) LORRAINE G BENNETT, ) Defendant, ) COMPLAINT IN A CIVIL ACTION 1. Bank of America,N.A. (`BANA")is a wholly-owned subsidiary of Bank of America Corporation and the successor-in-interest to FIA Card Services,N.A.,formerly known as MBNA America Bank,N.A. ("FIA"). FIA was merged into and under the charter and title of BANA effective October 1,2014. 2. At all times relevant hereto,the Defendant(s), LORRAINE G BENNETT, was/were the holder(s)of a credit card or other consumer finance account(the"Account"),which, at the request of the Defendant(s),was issued to the Defendant(s)by the Plaintiff, BANA,or a predecessor in interest,on or about 01/01/1996. 3.Defendant(s)accepted and did thereafter use or authorize the use of the Account for the acquisition of goods,services,or cash advances in accordance with the customer agreement("Agreement")governing use of the Account. 4. A true and correct copy of the last Account billing statement generated prior to charge-off,as well as the Agreement,if available,have been attached hereto collectively as Exhibit"A". 5.All credits to which the Defendant(s)is/are entitled have been applied to the Account and there remains a balance due in the amount of$6033.61. 6. Plaintiff has made demand upon the Defendant(s) for payment of the balance due but the Defendant(s)has/have failed and refused,and still refuses,to pay the balance due. As such,the Defendant(s)is/are in default pursuant to the terms of the Agreement. 7. The last payment by the Defendant(s)on the Account was made on or about 08/06/2012. 8. It is the standard practice of the Plaintiff to change the account number for its accounts at the time of charge-off.Prior to charge-off,the Account number for the Defendant(s)was 9689. Subsequently, the Account number was changed and is currently 1781. WHEREFORE,Plaintiff claims of the Defendant(s)the sum of$6033.61 plus applicable court costs. Respectfully submitted, Syretta Martin, Esq. A Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 JCami S. Miller, Esq. PA Bar #78590 /Christopher Alan Titus, Esq. PA Bar #315746 2877bb-3 Bank of America,N.A., ) Plaintiff, ) V. ) LORRAINE G BENNETT, ) Defendant, ) VERIFICATION The undersigned does hereby verify, subject to the penalties of 18 Pa-C.S.Section 4904 relating to unsworn falsification to authorities,that he/she is an authorized agent of Bank of America, N.A., the Plaintiff herein,that he/she is duly authorized to make this Verification,and that the facts set forth in the Complaint in this civil action are true and correct to the best of his/her knowledge, information and belief. Dated: DEC 0 12014 Affiant Name(Printed):Cristina Ordonez Affiant Name(Signature). `� Exhibit "A " 2877663 PPTXEXAI (04/17/2014 ) BankofAmerica LORRAINE G BENNETT Account Number: 0262 February 8_March 7,2013 Account Information: www.bankofameiica.com i Payment Mail billing inquiries to: New Balance Total.................... Account Summary Bank of America """"""-••••••••••••••••••••• ••...$6,033.61 Previous Balance........................$5,982.17 Current Payment Due........... P.O.Box 962235 ....................."....... ...$111.00 Payments and Other Credits........... Past Due Amount............... ....................0.00 El Paso,TX 7OMS-2235 $685.00 Purchases and Adjustments....................0.00 Mail payments to. Total Minimum Pa Fees Charged..........._...................................35.00 yment Due...................... Bank of America $796.00 Interest Charged........._._..............................16.44 P.O.Box 15019 Payment Due Date........................ ...................................4/5/13 Wilmington,DE 19886-5o19 New Balance Total.........................$6,033.61 Late Payment Warning:If we do not receive your Total Minimum Payment by Customer Service: the date listed above,you may have to pay a late fee of up to$35.00. 1.800.789.6701 Total Minimum Pa g Total Credit Line..........................$11,000.00 Payment Warning:If you make onlythe Total Minimum Cash Credit Line 00 ....... Payment each period,you will pay more in interest and it will take you longer Stat . . .... .....$3,300.00 63178 TT Y) to pay off your balance.For example: ement Closing Date.....................3/7/13 Days in Billing Cycle.............. .......28 IIvou make no Y011 will payoft And yoti will(,11d additional chat-Fes the balance Up Pz)ving an estimated LISIlIg [hiS Card shown or) all-S total of and each MOtAll YOU statement in about pay Only the Total 23 years $8,586.20 Minimum Payment If you would like information about credit counseling services,call 1-866-300.5238. Transaction Posting Date Date Desorlption Reference Account Number Number Amount Total Fees 03/05 03/05 LATE FEE FOR PAYMENT DUE 03/05 TOTAL FEES FOR THIS PERIOD 5982 35.00 $35.00 Interest Charged 03/07 03/07 Interest Charged on Purchases 03/07 03/07 Interest Charged on Balance Transfers 2.02 03/07 03/07 Interest Charged on Dir Dep&Chk CashAdv 14.42 continued on next page.., 0.00 9689 BANK OF AMERICA P.O.BOX 15019 Account Number. 0262 WILMINGTON,DE 19886-5019 New Balance Total................................................,..........$6,033.61 Total Minimum Payment Due........................................,••....,,796 00 Payment Due Date ...................................................04/05/13 LORRAINE G BENNETT 236 BOSLER AVE FL 2 Enter payment amount $ LEMOYNE PA 17043-1927 Check here for a change of mailing address or phone numbers. Please provide all corrections on the reverse side. Mail this coupon along with your check payable to:Bank of America 968 91P Exhibit A IMPORTANT INFORMATION ABOUT THIS ACCOUNT Rev 06/11 CUSTOMER TIPS FOR DISPUTED ITEMS — — Manvtimesdisputedchargesarelegitimatechargesthatcustomersmaynotreco ' MIME or remember.Before disputingacharge,werecommendthat ouve • gaze I OnIineBanking isavailable 24hoursa � and make every effort to resolve the disputewith the merchant.011e ue merchant c m dry,"days a week and answer you r questions and easily resolve your dispute.The merchan t phonenumber allows youtoviewthemustrecentactivityonyour account may be located on your receipt or billing statement. �— • Hasacredit posted toyour account? PHONE Please allow up to 30 days from the date on your credit voucher or 1.866.260.0212 acknowledgement letter for the merchant credit to post. For prompt service,please have the merchant reference number(s) • Is the charge or amount unfamiliar? available for the charge(s)inquestion. Check with other persons authorized touse the account to make sure they did not make the charge.It is possible that the merchants'billing names and store names are different or amounts can easily be confused with similar charges or include tips. I MAIL One way to check for the credits or to view transaction details is to look ai your i Attn BillingInquiriesPO Box 982235,Bl Paso,TX 79998 When writing, lease include YourName,AceountNumber,the account statententsonline.IfyonarenotenrolledinOnlineBanking,itiseasy to ® Disputed Amount,Merchant Name,Transaction Date,and enroll using the web address on the front ofyour statement or give us a call. referencenumber or the,disputed item and eprcific details regarding Please remember:Ifyou Rad anerror on our l Your dispute,including dates of contact with the merchant and the 60 Y biicho eerrorotf(yusnolaterthan merchant's responseineachinstance.Please include all supporting to rveerweseningriguststatementonwhichtheerrororproblemappeared I documentation,including sales and credit vouchers,contractand to preserve your billing rights. postage return receipts as proofof any returns, PAYING INTEREST We will not charge interest on Purchases on the next statement if ou TOTAL INTEREST CHARGE COMPUTATION - BalanceTotal in full by the YY the Interest Charges accrue and are compounded on a daily basis.l'o determine the Payment Due Date,rest ou had paid in full b the revious Interest Charges wemultip(y each Balance Subject W]merest Irate by its applicable Daily Advance on Date.ns will begin charging interest on Balance Transfers and Cash Periodic Rate and that result is multiplied by the number ofdays in the bi(lingcycle.To Advances TI the transaction date, determine the total Interest Charge for the billin CALCULATION OF BALANCES SUBJECT TO INTEREST RATE gcycle,we acid the Periodic Rate Interest Average Daily Balance Method(including new Purchases): Charges together.A Daily Periodic Rate is calculated by dividing an Annual Percentage We calculate separate Balances Subject to an Interest Rate for Purchases and for HOW YYE ALLOCATE YOUR PAYMENTS each Introductory or Promotional Offer balanceconsistingofPurchases.Wedothis : _ t e amount of (1) toi etherg a ;lnd(3)diedingt for the h day sum ftbethe d ilybaance) ytienumng all hedailyys yourpaFmentegnalWatherota Mi mumf YaymentDuetothelowest APRbalances8rst balancestogcycle.and(3)dividingthesumofthedailybalancesbythenumberofdasre (in cludingtransactionsmadeafterthis statemeentDuetothamounts APRb balances sofyour um in the billing cycle. To calculate the daily balance for each day in this statement's billing cycle,we:(1) with lowerAPRs. ent.Due w111 be applied to balances with higherAYRs hefore balances take the beginning balance;(2)add an amount equal to the applicable Dai}yPeriod*a Rate multiplied by thprevious IMPORTANT INFORMATION ABOUT PAYMENTS BY PHONE e day's daily balance;(3)add new Purchases,new Account Fees, and newTr nsaction Fees;and(4)subtract applicable payments and credits.Tf any daily elect on en using the optional Pay-by-Phone service,you authorize us to initiate an balance is less than zero we treat it as zero. payment from your account at the financial institution you designate.You must authorize the amount and timing ofeach payment.For your protection,we will ask for Average Balance Method(including new Balance Transfers and new Cash Advances): security information.A fee may apply for expedited service.To cancel,call us before the We calculate separate Balances Subject to an Interest Rate for Balance Transfers, scheduled payment date.Same-daypayments cannot be edited or canceled. Cash Advances,and for each Introductory or Promotional Offer balance consisting of YOUR CREDIT LINES Balance Transfers or Cash Advances.We do this by:(1)calculating a daily balance foreach TheTotal Credit Line is the amount oferedit available for the account;however,onlya day in this statement's billing cycle;(2)calculating adailybalance foreach day prior to this Portion of that is available for Bank Cash Advances.The Cash Credit Line is that amount statement's billing cycle that had a"Pre-Cycle balance"—a Pre-Cycle balance is a Balance you have available for Bank Cash Advances.Generally, Transfer or a Cash Advance with a transaction date priortothis statement's billing ATM Cash Advances,Over the Counter(OTC)CashAdvances,SamrDayOnli eC.ashCash Advances consist f cycle but with a posting date within this statement's billing cycle;(3)adding all the daily Advances,Overdraft Protection Cash Advances,Cash balances together;and(4)dividing the sum of the daily balances by the number of days in and applicable transaction fees. Equivalents,Returned Payments, this statement's billing cycle. MISCELLANEOUS To calculate the daily balance for each day in this statement's billing cycle,we:(1) "'Promotional Rate End Date:This date is based on a future statement closing date. take the beginning balance;(2)add an amount equal to the applicable Daily Periodic Rate If you change your payment due date,this date could change.Transactions must meet multiplied by the previous day's daily balance;(3)add new Balance Transfers,new Cash offer conditions in order to quali(y for the promotional rate. Advances and Transaction Fees;and(4)subtract applicable payments and credits,!f any For the complete terms and conditions ofyour account,ansultyour Credit Card daily balance is less than zem we treat it as zero. Agreement.FIA Card Services is a tradename of FIA Card Services,N A.This acarol To calculate a daily balance for each day prior to this statement's billing cycle that is issued and administered by FIA Card Services,N A. had a Pre-Cycle balance;(1)the take the beginning balance attributable solely to Pre-(!ycle balance(which will be zero on the transaction date of the first Pre-Cycle balance);(2) add an amount equal to the applicable Daily Periodic Rate multiplied bytheprevious day's daily balance;(3)and add onlvtile applicable Pre-Cycle balances and their related Transaction Fees.We exclude from this calculation all transactions posted in previous billingcycles. PAYMENTS We credit mailed payments as of the date received,if the payment is:(1)received by !fyour billing address orcontact information has changed,or ifyour address is 5 p.m.local time at the address shown on the remittance slip on the front ofyour monthly incorrect as it appears on this bill,please provide all corrections here. statement;(2)paid with check drawn in US.dollars on a U.S.financial institution or a U.S.dollar money order;and(3)sent in the return envelope with only the remittance Portion ofyour statement accompanying it.Payments received bymail after 5p.m.local Address time at the remittance address on any day includinthe -- otherwise meet the above requirements,will be credited as oof3tl etnext delay. but that made online or by phone will be credited as of the date of receipt if made by 5 Payments.Central. Address 2 Credit for any other payments may be delayed up to live days. -" NO PAY'nent shall operate as an accord and satisfaction without the prior written approval of one of our Senior Officers: City We.process most payment checks electrimnicall --------------. ... .._...._....... -_.._....-.. y . using -- on ------------------------- your check.Each check authorizes us to create a one-time electronic funds transfer(or Process it as a check or paper draft).Funds may bewithdrawn from your account as State soon as the same day we receive your payment.Checks are not returned to you. --' Zip__---_ For more information orto stop the electronic funds transfers,callus at the Area Code& mrmher listed on the front Home Phone IfYou have authorized us to payYour credit card bill automatically from your savings or checking account with us,you can stop the payment on any amount.you think is Area Code& wrong.To itop lxi57nent,your letter must reach us at least three business days before Work Phone the automatic payment is scheduled to occur. - Exh'bitA BankofAmerica� 0262 February 8-March 7,2013 Page 3 of 4 Transactions continued Transection Posting Reference Account Date Date Description Number Number Amount Tote Interest Charged 03/07 03/07 Interest Charged on Bank Cash Advances 0.00 TOTAL INTEREST FOR THIS PERIOD $16.44 2013 Totals Year-to-Date Total fees charged in 2013 $105.00 Total interest charged in 2013 $51.54 Interest Charge CalCUlation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Annual Promotional Promotional Promotional Balance Interest Percentage Transaction Offer ID Rate Until Subject to Charges by Rate Type Interest Transaction Rate Type Purchases 12.498V $ 211.17 $ 2.02 Balance Transfers 12.498V $ 0.00 $ 0.00 Promotional APR 3.258V ET EVZK-HPBPV No End $5,782.66 $14.42 Date Direct Deposit and Check Cash 19.248V $ 0.00 $ 0.00 Advances Bank Cash Advances 19.248V $ 0.00 $ 0.00 APR Type Definitions:Promotional Transaction Types:BT=Balance Transfer;Daily Interest Rate Type:V=Variable Rate(rate may vary) fthibaitA i ■ JEXhi itA MRS #� fill w.9 H �_ $y I R 9;k I gam Q �s m kW 14, iflip"11, u"11 $R6 gRg— x— r74 aB � U19111, p q ego E` 1,E aF �$� �� us age a , a�� q'S� � �� $� W $ � Cl< ggRs s v��QSS ^�d m�� es'ac !f� $�r C8 ��2 �?' ■QQB ijGyyjq�jy .�^�p3 din m R�6lai�vm �m M3 U IR MH M-0 URP MuG � agr �� 3FZ 'J 7d 1R n •Fi � °' ge s s� R�_ ga gig _ s3 2 QU O J g cd a sm QTR I- W10111PRI11 will u ?Rlm a RNIF I'lliuq! 111,111 Swul. I I I 6L ns A Lilt NaH aid, �� Ilii f "8 1 31US 4 `� r, 9 �� XX � m RRI 'j � zeEg �m7aX <C a c n B � m�, � U X76: a �a Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff 1835 Market Street, Suite 501 Philadelphia, PA 19103 e li_ .� r Vt 3�•� tr rn:.r.1 X 215-564-156777 2 9 r • • Bank of America, N.A. c/o Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 IN THE COURT OF COMMON PLEAS Philadelphia, PA 19103 Plaintiff, CUMBERLAND COUNTY, PA vs. CIVIL ACTION LORRAINE G BENNETT No. 236 BOSLER AVE FL 2 LEMOYNE PA 17043-1927 Defendant(s). PRAECIPE TO ENTER AppEARANr� TO THE PROTHONOTARY: Kindly ENTER my appearance in the above-captioned matter on behalf of PLAINTIFF Bank of America,N.A.. Papers may be served at the address set forth below: Blatt, Hasenmiller, Leibsker& Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 Telephone Number: 1-215-564-1567 BLATT, HASENMILLER, LEIBSKER & MOORE, LLC Dated: C l By: Syretta artin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 /Christopher S. Miller, Esq. PA Bar #78590 I/ Christopher Alan Titus, Esq. PA Bar #315746 2877663 PPTXBPEI (07/18/2014) 1111111111111 IN 11111111111111111111111111111111111111111111111111111 IN Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY OF C--CtF $,., RIFF l Afi ''. 15 �1 P11 Bank of America N.A. vs. Lorraine G Bennett Case Number 2014-7379 SHERIFF'S RETURN OF SERVICE 01/05/2015 07:54 PM - Deputy Tim Black, 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: Lorraine G Bennett at 236 Bosler Ave. Floor 2, Lemoyne Borough, Lemoyne, PA 17043. SHERIFF COST: $46.40 SO ANSWERS, January 06, 2015 RONIN' R ANDERSON, SHERIFF (c) CountySui e :Sheriff, Tcleosc*t, Inc.