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Home My WebLink About05-3282 NOTICE OF APPEAL COMMONWEALTH OF PENNSYLVANIA COURT OF COMMON PLEAS FROM JUDICIAL DISTRICT DISTRICT JUSTICE JUDGMENT COMMON PLEAS No 05 - .J;)j> d...... (l. f.)~t~'2:J. NOTICE OF APPEAL Notice is g'lven that the appellant has filed in the above Court of Common Pleas an appeal from the judgment rendered by the District Just',ce on the date and in the case mentioned below. I "^O. O~:~";;3 0" 0' ZIP cOalE "1h~^M~;T Sve ~~A Ue-~Mj ^OTC ;" "'~f1: '1A<i*>t/l "I Dr. a"TI!! OF ,UI;>G"'E;"'T 6 p.1bS ~ C....l... NO. ~OI-GI-O) LT 19 This block will be signed ONLY when this notation is required under Pa. R.C.P.J.P. No. 1008B. CIT'l' !'-'tv /).r~e'. b3d-f >>O""V'. o. "..CC"" o. ",. ~ This Notice of Appeal, when received by the District Justice, will operate as a SUPERSEDEAS to the judgment for possession in this case. If appe/lant was Claimant (see Pa. R.C.PJP. No. 1001 (6) in action before District Justice, he MUST FILE A COMPLAINT within twenty (20) days after filing his NOTICE of APPEAL. Signature of Prothanatarv or DepUfY PRAECIPE TO ENTER RULE TO FILE COMPLAINT AND RULE TO FILE (This section of form to be used ONL Y when appellant was DEFENDANT (see Pa. R.C.PJP. No. 1001(7) in action before District Justice. IF NOT USED, detach from copy of notice of appeal to be served upon appellee). PRAECIPE: To Prothonotary Enter rule upon , appellee(s), to file a complaint in this appeal (Common Pleas No. Name of appellee(s) } within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appellant or his attorney or agent RULE: To , appellee(s) Name of appe/(ee{s) (1) You are notified that a rule is hereby entered upon you to file a complaint in this appeal within twenty {201 days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If vou do not file a complaint witJ)in this time. a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU. (3) The date of service of thIS rule if service was bY:1)lail is the date of mailing. Date: ,19_. Signature of Prothonotary or Deputy )PC 312-84 COURT FILE TO BE FILED WITH PROTHONOTARV , PROOF OF SERVICE OF NOTICE OF APPEAL AND RULE TO FILE COMPLAINT (This (HDof of scrvlcu MUST BE FiLEO WITH!,'';} FiVE is) DA YS AFTEf? COMMONWEALTH OF PENNSYLVANIA COUNTY OF ~~_ : ss AFFIDAVIT: \ lkrebV $VVed1 or aHinn tlldt ,1'il'lved d copy oi the Notice of AppcJI, Common Pleas No. (date ol service) , 19_,~, 'l,'ceipl JUilched nerelo, dnd upon (hI;' dppeljet:, (narrre)_ 19 (IV fy:rsona! ',(:rVICc dnd turther that ! served the Rule vvhomthe Rule vvas addres5r:,(j on__~_ the notice of d/)f)D;)/ Chcck dpp/icdhft} i)()XC5/ ____, upon tht' by ].H~rsona) $f>rvice D Slr:ct Ju~;t;C!' dcsiqr}Yli d if","'i' C;1\ OV iC(~rtjfit:dj (iuJlskn:d) Hld:J, ,;unrli I' S hV (ceiilfl(;cl) (reqisrCi(~d) n,;;II, scndcl'\: reCelj)l ,Hl,;H:hc!d hercUi, Dr' to FJle G CO!npldifn aCcornpanying .19 ___. tile iJbove Notict' 01 Appeal upon rhe Jppeileeh) by pc!sonal s ,rViCV bV {cerlihccjl (n'~J's(t:!ed) mail, sender's receipt attached hen~to. swum, (AFFIRMEDI AND SUBSCRISED BEFOr,E ME THIS ~_.._ _ ____ DAY OF~_ _ '~____. 19 _. Srq1ldiUff' of ofiiCiiJi !;r:fo('c who,n aifiddV'r WdS rna()!' Tlrle of offlCidl My comrn:ssion expires on_____ 19.._. 7[~ ~ ~ l') ~ c:;: -J::. "--..( "'<l. V) ~ ~ Cr) p:! ~ --r D (; .s- r (') C -< SI(jOdfU({' of affjiJnr "-., = '= (:..r'I o "t., -1 -,- rn fJJ t:'Jr,', ::::'JCl ;~(~) ~~ -' :r; -< 1'.) CO :t:,'''' ::?: '!? N I..;)MMONWEAL TH OF PENNSYLVANIA COUNTY OF: CUMBERLARD 09-3-03 NOTICE OF JUDGMENTfTRANSCRIPT CIVIL CASE PLAINTIFF: NAME and ADDRESS 'THE MAY DPT STORE D/B/A BECHT'S I 111 BOULDER IRDUSTRIAL DR BRIDGETOR, MO 63044 L ~ Mag. Dist. No.: MDJ Name: Hon Address: SUSAR 1:. DAY 229 MILL ST, BOX 167 NT. BOLLY SPRIRGS, PA vs. T",pho", (717) 486-7672 17065 DEFENDANT: NAME and ADDRESS 'POBT, MAllY D 88 REGDCY WOODS R CARLISLE, PA 17013 L I ATTORNEY FOR PLAIRTIFF : ROR Z. OPBER BOX 2245 SOUTHEASTERN, PA 19399 Docket No.: CV-0000061-05 Date Filed: 3/03/05 .J ~- ~ THIS IS TO NOTIFY YOU THAT: Judgment: DRlI'Jl.m.T Jm)mnnM' DK!'.. [!] Judgment was entered for: (Name) 1>n'R"l' MaRV n [!] Judgment was entered against: (Name) 'I'R1I! Mav nJ>'I' STORK D/R/A KJI:~' in the amoljnt 01$ 00 on: (Date of Judgment) &/07/0'" o Defendants are jointly and severally liable. o Damages will be assessed on: o This case dismissed without prejudice. (Date & Time) O Amount of Judgment Subject to AttachmenV42 Pa.C.S. S 8127 $ o Portion of Judgment for physical damages arising out of residential lease $ Amount of Judgment $ .00 Judgment Costs $ .00 Interest on Judgment $ .00 Attorney Fees $ .00 Total $ .00 Post Judgment Credits $ Post Judgment Costs $ ----------- ----------- Certified Judgment Total $ ...NY PARTY HAS THE RIGHT TO APPEAL WITHIN 30 DAYS.AFTER THE ENTRY OF JUPGMEN1; ~YFILINt1 A,NonCE. .............. ...........,. OF APPEAL WITH THE PROTHONOTARYIClERK OF THE COU"!T OF COMMON PLEAS,CI\fIL DIVISION. YOU MUST INCLUDE A COPY OF THIS NOTICE OF JUDGMENTITRANSCRIPT FORM WITH YOUR NOTICE OF. APPEAL. EXCEPT AS OTHERWISE PROVIDED IN THE RULES OF CIVILF'ROCEDURE FOR MAGISTERIAL DISTRICTJUDG~~,IF THE JUDGEMENT HOLDER ELECTS TO ENTER THE JUDGMENT IN THE COURT OF COMMON PLEAS, ALL FURTHER PROCESS MUST COME FROM THE COURT OF COMMON PLEAS AND NO FURTHER PROCESS MA Y ~E ISSUED ~Y THE MAGISTERIAL DISTRICT JUDGE. UNLESS THE JUDGMENT IS ENTERED IN THE COURT OF COMMON pLEAS, ANYONE INTERESTED IN THE JUDGMENT MAY FILE A REQUEST FOR ENTRY OF SAT/SFAC'lJON WITH THE MAGISTERIAL DISTRICT JUDGE IF'THE JUDGMENT DEBTOR PAYS.lN FULL, SETTLES. OR OTHERWISE COMPLIES WITH l'HE JUDGMENT. \.1 certify that this is a true Date "",' ......;.. ._'....: .......... >"," ,.;" ,.'. Magisterial DistriCt Judge' proceedings containing the judgment. , Magisterial District Judge My commission expires first Monday of January, 2010 . SEAL Aore 315-05 DATE PRIRTED: 6/07/05 2:28:19 PM rtJ r'l ..IJ r'l r'l CJ ::I' m U.S. Postal Servrce" ; CERTIFIED MAIL, RECEIPT (DomestIc Mati Only, No Insurance Coverage ProvIded) Certlf\ed Fee OFFICIA P<>stage $ Or ..IJ CJ CJ CJ p- Hem Retum Receipt Fee (Endorsement Required) CJ Restricted Delivery Fee 0- (Endoreement Requfred) m CJ Total Postage & Fees $ Ui ~ .;...:};pi.iJ-Qct-.-J4--IP:fJ..-uu-------tdi5.-.--.- ;;'P?;:/';;Pi4F't'.--.JiJ:1ji1i.tt cJ7f!B--------Lf:{- u.s. Post I Servlte" , ~ CERTIF ED MAIL, RECEIPT (Domestic M "Only; No Insurance Coverage Provided) cr ru ..IJ r'l ;i r~or.~;s...f~."ik;"'I..c.T;;~'''C., ,,,.;:t~~r;i ~ ::I' m $ C'J' Postage ..IJ CJ o Return Receipt Fee o (Endorsement RQ(IUlrecf) .~'" He", PROOF OF SERVICE OF NOTICE OF APPEAL AND RUL.E TO FILE COMPLAINT (This proof of service MUST BE FILED WI Tf1IN FIVE (5) DA YS AFTER filing the notice of appeal. Check dfJp!;cdhle boxes) COMMONWEALTH OF PENNSY l VANIA COUNTY OF L.,,""6~(> ~ ;ss AFFIDAVIT: I hereby swear or aifirrn that I served Certified Fee t:l RestrIcted 06/iwry Fee 0- (Endorsement Rat~red) m CJ Total Postage l~ Fees $ lJ1 CJ CJ l'- )" J2. 0-11._ T~ 1>i1 a copy of theNot,ice of Appeal, Common Pleas NaP - 82 ,upon the ~Dlstrr( t JlIst!CC des qndted there I \ (I {date- of serv;ce)__Y~~ '3 ~ _~ ,~~. 0 by personal $f'IVICe W"by (certdlcdl (ICgISti'lPdl fTI,j(I, spndl receipt attached hereto, Jfld ;J.Pon the appellee, (name)_,_~~f)___iE.'~_,__,,___,,___'''_,,_ ()!; --~,J!:Z,--",----, ~~.:?-- [] by personal servin! ~ \certified) (registered} rn~lIl, sender's receipt attached herelo and further that I served the Rule to File a Complaillt accompanymg the above Noticp Dt Appeal upon the appelleel51 lu vvhom the Rule was addressed 00_,,_.._,,_____ __~, 19_, LJ by personal serviu' by Icenified) {reglstl;i'cdi mail, sender's receipt attached hereto. SWORN (AFFIRMED) ANDjU,BSCRIBEO BEFORE ME TH IS -.Grl1.... DAY OF --~"6I----- .~.;L . ~ Signature of official before whom ,}fffdavit was made ------- ~ -'- ~?,~ il.sw2.-.~ Ihi~ iff i.4-<,v~ 5''79:>7 ~';l4 tV" (>4 19__. Title of offIcial My commission {.>xpin~s 011__ 2 <."'" ;f;::;; ~;i (I) J: ...-- ~'~~--' Z(:' "..C -I> c:: Z =< -, ---'-S;g~"4ture~f afii~ N> = :ffi c... <::: r-' ~ 5! rn:I1 ,- ;g~fT1. o :r!, o~ eM ~ ~ N ;!30 ::!;;: <;;> N 0..0 COMMONWEALTH OF PENNS'~'LVANIA COURT OF COMMON PLEAS NOTICE OF APPEAL FROM JUOICIAl DISTRICT DISTRICT JUSTICE JUDGMENT COMMON PLEAS No, OS - 3;J,f;;J.., {!, ulL~ NOTICE' OF APPEAL Notice is given that the appellant has filed in the above Court of qommon Pleas an appealfromthejuogment rendered by the O:fstrictJusticE on the date and in the case mentioned below. CITY 1M". ",,,. NO. OR "MO O' 0.'. ()(f ~ 'S--U 9T"'TJ!: z,,, COOII! (Sr,d.. tv ~~ Illite ~ v.. 119/\ 1(J_f~Ma",.1 I) P-"ef.- ...~.~T~R:r ...~C'";T OR "" ~ \ ~r.JI- 61-0) LT 19 This block will be signed ONLY when this notation is required under Pa. R.C.P.J.P. No. 10088. This Notice of Appeal, when received by the District Justice, will operate as a SUPERSEDEAS to the judgment for possession in this case. ~ \ ~. I, '. If appellant was Claimant (see Pa. R.C.P.J.P. No. 1001(6) in action before District Justice, he MUST FILE A COMPLAINT within twenty 120) days after filing his NOTICE of APPEAL. Signature of Prothonotary or Deputv PRAECIPE TO ENTER RULe TO fiLE COMPLAINT AND RULE TO FILE IThis Sllction ofform to be used ONL Y wi>en appellant was DEF~NDANT (S$.Pa. R.C.?J.P. No. 1001(7) in action before District Justice. IF NOT USED. detach from copy of notice of appeil/ .to be s~rved U!1oQ appelleef. PRAECIPE: To Prothonotarv Enter rule upon Name of appellee(s) , appellee(s;, to file a complaint in this appeal (Common Pleas No. ~ within twenty (20) days after service of rule or suffer entry of judgment of non pros. Signature of appeJ1ant or his attorney or agent RULE: To Name of appel/eels) , appellee(s) (1) You are notified that a rule ;i';her~bY ~ntered upon ~o~ to fil'e"a d,mPlaiJt i~ th'(s aJpeal within twe~ty (20)"days after the date of service of this rule upon you by personal service or by certified or registered mail. (2) If you do not file a complaint within this time. a JUDGMENT OF NON PROS WILL BE ENTERED AGAINST YOU. (3) The date of service of this rule jf service was by mail is the date of mailing. )ate: ,19_. Signature of Prothonotary or Deputy , ~ )PC 312-84 COURT FilE Ron Z. Opher, Esquire Attorney for Plaintiff Attorney#57507 P.O. Box 2245 Southeastern, PA 19399 (610) 902-0530 THE MAY DEPARTMENT STORES d/b/a Hecht's 111 Boulderlndustrial Dr. Bridgeton. MO 63044 Plaintiff V. MARY D POET 88 REGENCY WOODS N CARLISLE, PA 17013 Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA CIVIL ACTION - LAW NO. os ~ ~l.56t. CMt... 'f(!~ NOTICE TO DEFEND COMPLAINT - CIVIL ACTION A VISO You have been sued in court. If you wish to defend Le han demando a usted en la corte. Si listed qui ere defenderse against the claims set forth in the following pages, de estas demandadas expuestas en Ias paginas siguentes, listed you must take action within twenty (20) days after tiente veinte (20) dias de plaza al partir de 1a fecha de la this complaint and notice are served, by entering a demanda y la notification. Haec falta asentar una comparencia written appearance personally or by an attorney and escrita on en persona 0 con un abogado y entre gar a 1a corte filing in writing with the court your defenses or enfonna escritas sus abjectianes alas demandas en contra de objections to the claims sel forth against you. You su persona. Sea avisado que si usted no se defende, la corte are warned that if you fail to do so the case may tomara medidas y puede continuar la demanda en contra suya proceed without you and a judgment may be entered sin previo aviso 0 notification. Ademas, la corte puede decidir against you by the court without further notice for a favar del demandante y requiere que usted cumpla con todas any money claimed in the complaint or for any other las provisiones de esta demanda. Usted puede perdes dinero 0 c1aim or relief requested by the plaintiff. You may us propriedadedsu olros derechos importantes para osted. lose money or property or other rights important to you. LLEVE EST A DEMANDA A UN ABOGADO YOU SHOULD TAKE THIS PAPER TO YOUR INMEDiATAMENTE. SI NO TIENE ABOGADO 0 SI NO LAWYER AT ONCE. IF YOU DO NOT HAVE A TIENE EL DiNERO SUFFICIENTE DE PAGAR TAL LAWYER OR CANNOT AFFORD ONE, GO TO OR SERVICIO, VA Y A EN PERSONA 0 LLAME POR TELEPHONE THE OFFICE SET FORTH BELOW TO TELEFONO A LA OFFICINA COY A DiRECCION SE AND OUT WHERE YOU CAN GET LEGAL HELP. ENCUENTRA ESCRITA ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Ave Carlisle. PA 17013 (717) 249-3166 ASSOCIACION DE LICENCIADOS DE CUMBERLAND 2 Liberty Ave Carlisle. PA 17013s (717) 249-3166 Ron Z. Opher, Esquire Attorney for Plaintiff Attorney #57507 P.O. Box 2245 Southeastern, PA 19399 (610) 902-0530 The May Department Stores, d/b/a Hecht's 111 Boulder Industrial Dr. Bridgeton, MO 63044 IN THE COURT OF COMMON PLEAS Cumberland COUNTY, PA Plaintiff v. MARY D POET 88 REGENCY WOODS N CARLISLE, PA 17013 No. or /32-8(.. ovrc ~ Defendant COMPLAINT - CIVIL ACTION COUNT ONE 1. The Plaintiff herein is The May Department Stores, d/b/a Hecht's, located at 111 Boulder Industrial Dr., Bridgeton, MO 63044. 2. The Defendant herein is MARY D POET, an adult individual located at 88 REGENCY WOODS N, CARLISLE, PA 17013. 3. Defendant borrowed from Plaintiff, by way of purchases on account #00000094343950 the sum of $736.90 over the course of the parties' cardholder relationship, as of 1/4/05. A true and correct copy of an affidavit of account is attached hereto and marked Exhibit "A". 4. Under the terms of the cardholder agreement, additional interest has accrued, and continues to accrue, from 1/4/05, at the rate of 21.6% per annum. A true and correct copy of the relevant cardholder agreement tenns is attached hereto and marked Exhibit "B". 5. In addition, Defendant agreed to be liable for Plaintiff's actual costs of collection, including court costs and attorney's fees; said attorney's fees being contingent on recovery, at the rate of 35%. See Exhibit "B". 6. Plaintiff has in all respects fulfilled all conditions precedent to its obligations on the contract and for bringing this Complaint to damages. 7. Despite repeated demand by Plaintiff, Defendant has refused and continues in failure and refusal to pay further amounts due Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor against Defendant, in the amount of $736.90, together with interest at the contract rate of 21.6% per annum commencing on 1/4/05, and attorney's fees at the rate of 35%, and costs of this action. COUNT TWO Plaintiff also claims alternatively on the basis of quantum meruit or Quasi Contract. 8. Paragraphs 1 through 7 above are incorporated herein by reference as though fully set forth. 9. Plaintiff was neither a volunteer nor an officious intenneddler. 10. Plaintiff provided said credit. 11. Plaintiff expected payment from the Defendant for said credit in the amount set forth above. 12. The amount claimed is the fair and reasonable market value for said credit. WHEREFORE, Plaintiff demands judgment in its favor against Defendant, in the amount of $736.90, together with interest at the contract rate of 21.6% per annum commencing on 1/4/05, and attorney's fees at the rate of 35%, and costs of this action. BY ~ Dated: Wednesday, July 6, 2005 Ron Z. Opher, Esquire Attorney for Plaintiff AFFIDAVIT OF ACCOUNT STATE OF MISSOURI :ss. COUNTY OF ST. LOUIS BEFORE ME, the undersigned authority, on this day personally appeared the undersigned Affiant, who swore on an oath that the following facts are true. 1. My full name is Rich Orlet. 2. I am a Recoveries Supervisor at The May Department Stores, d/b/a Hecht's, and I have full knowledge.of the books and records concerning the account of MARY D POET (account number 00000094343950), the Defendant(s) herein. 3. These records show that a total principal balance of $736.90 together with interest at the rate of 21.6% , commencing on 1/4/05, is due Plaintiff and payable by the Defendant(s) herein. In addition, attorney's fees per tenns of the credit card agreement are due and owing, at the rate of 35% of principal and interest. This affidavit regarding the account of the Defendant(s) herein, which constitutes this cause of action, are taken frorn the original records of entry. 4. The total amount of the account is due Plaintiff by Defendant(s) and all just and lawful offsets, payments and credits have been allowed. ~~ Rich Orlet, Affiant SUBSCRIBED AND SWORN to before me on the /p:i day of ,,20.0.{. (la#1iUUIftC!t/dr. Notary Public CATHERINE M. RUDY NOTARY PUBLIC. NOTARY SEAL STATE OF MISSOURI ST. LOUIS COUNiY EXPIRATION: MAY 23, 2008 YOUll BILLING RIGHTs KEEl> THIS NOTICE FOR FUTURE USE This mtie5 enntains important informaiion about your riglrts arid our responsibililies under !he rail' Cr/!dlt Bi!iing Act. NOTIFY US IN CASE DF ERRORS OR QUESnONS AaOJrrYOUR BILL - " . -If yetI tnint; your tlnf.ls. wrong, (If if 'you need more int6nnatlon abdUt an \1lm1 on your blU, _ 'kI us on a se.pa.~sh!.ffil: i:lt paps!- am:! mail Ilto: P.O, BPJ); 8{l?5, Lmain, Ohio, 44055-807S, Write 10 US" 2S$OOl'l:asposslble. We must bear from yotfoo laierthan 6D days aiierwe sentycu {he nTSt bUl on 1Itttic:h 1he error orproblem appeared. Yoo t:aTllclephoae us, buI doing so will notpteserve yourrigttiS.. , Inyour\etief,give usthefolowinginfomul.ficn: ~ Your name. :anti acc:aurrtnuinber. ~ Thi!'! dalaramounl oflhB~ enor. . . Describe tl:te ooor and explain, it you can, why you bei!we '!here is BtI error. It you ne-...d more l~iomraiion, describe the item you are not sure about ' YOUR RJGHTS AND OUR FiESPOKsmIl.JT}ES AFr~ WE REC6VE. YOUR: WRIT/::N NOne!;. . WemUSl: a.dmowled99 yourlell6r.vithill 30 days, unless. we hiJ'i'e corrected fue errorbylhell Wllhio so rl~ wa must either c:orractthe error or explain why we believe tl:taOlllwascorrect Atter.~ rece;v~ yourletter, Wetanllot trym collect any.arnount you q~, or report you as delinquent We can continue i? bllj YOl.llbrlha amoum in quesiion, ,includ- ing finance c/l.Y9"'...s, and we can apply an)' unpaid amoulTl against your credlllimif:. You do I\ot tia'le to pay any questitmerl amoontwhile we aTB investigating, but you are .sii~oblig.aledtopayttre--partso1yourbill\halareilotinquesti01l. , " ',' If we iilld we made il..mistake nrr your oill, ~ will nof have tc pay MY fmarice charges Tslati:d to any queslioried amounllf we ti!d not make. a mistake, you may have to pay ~ chat'g:"-S., and you will have to make up ilJFf mlssedJlayments on the queslionad amowtlln either tase, we wilt send you as's'lement offue amo1l1ltyou owe lIndthe: date ti'.at ltis due. II you tal! to payfue amount:that we thinK you owe, We may reportyotl as delinquenl However, if our explanation dO"..s no\: satisly.You and)'Oil wme-to us wi~hin 1fi days tslimg us 1hat you stiIll'eluseio pay, we must tell anyone we repol1 yeu to that you ha:v~.a question abcIlI: your bill. And, we must ten yeu the name of anyone we repcrterl you ro. We must tell anyone we report you to U1at1he trial:te( has. been 5!!l:lled hetw!en llS wn~ IT finally:s. 11 we- dPn'tfullow1hese. fU~, we t:an'l.collect!he '1m $5[1 of the ~sd amou.nt, e\'~ ti your biJ1 was correct Sf'~ClAL RULES FOR-CREDIT CA.RD PURC!-l.ASES _ . . li"you have a ptOPlem witI:lfue~'afptopertyOT serVicesthatycupurchasedw!thi C1Etfilc:ard and yoll Mve 17ieo'in good-fuith1Pcorrectlheprobiemwifu us, you may hav5 the fighlnotto paylhe remalning aiTi~'untdu~ on the property Oiservic:e.s. . . . Annual percentage rate 21.5% . . Grace peCiOlito:-pay ba!anse- -.25 days..- , Balance computation Average daily balance method (inoludlng new purcheses) Annual Fee non~ I I Minimum iinance oharge Late payment lee $.50 Up to $25 = Tne Q~io laws agalnst discnromaiion reqUire that all crediio~ make credll ~ll.Ill/y avai!ahle io all'c:redit-worlhy customers, and that credit reporting agenci$ maintain sep- arate credlt htstori$ on eaeh inoiviciual upDn requ*. Joe Ohio CM! Rights Commission u:lrmnisrers co.mplian::e with ihis law., , Tre iniormation about the cos1s ol the card descrfuer; above Is carrect:as- of July 2000. TIe iniormawn may 'ha\<s Ctla:ngsd after ,that ciare. 1"0 iiod out wha\ may have .changed, wriie ~ us a'l May National Bank of Ohio, 300 Sheffield Cel'lt:ei, lcrain, Dhio 440=:'""5. . . NOTICE ANY HOLDER OFTH!S CONSUMER CREDIT CONTRACT lS SU_BJECTTOPl..LCLA(MS A.."'1D DEFENSES WHICH THE DEBTOR-COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT H8t..qQ Ot<: WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER By:r:-fc DEBmR SAALL NOT ~CEED AMOUNTS PAID BY THE DEBTOR Hc""REuNDER. NOTICE TO THE 6UYER:.l. DO NOT SiGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS ANY BLANK SPACES. 2. YDU ARE ENTITLED TO A CDMPLETELY FILL..."lJ.-lN COpy OF THE AGREEMENT YOU .SIGN. 3. KEEP rus AGREElIlENFTO'PRO'FEc;T YOURl.C&AL "'uN '.:;. 4. YOU :MAY ATANY:1lME PAY OFF THE FU[L UNPJiID BAL- ANcE iN ADVANCE. R~?!I)f'J . OPEN-END CREDIT PLAN l-4ErUT1S' . , I I \.........1 I I . I'.DMSl()'lltJ!.~",,^yo;,;l'IRl),lf,N1Slori<S~ ~-_._. ,- - - - I:l"-CHT'S RETAIL INSTALLMENT OPEN-END CREDIT PLAN AND SECURITY AGREEMENT P\BaSe read lhi> Agree'a.nt canlilJlJy. This Agreemetll. mems '!his dotumel)l:. as Sl.lppielwnled fmm fims 1:0 lime by \!Il'otmafim; 1m your appm:awn, MY Salss iidce!s, receipt and any. o'lberdot:umentsse1ting 10rth ynurobrgationsunderycurHeth!'sact:OUJllln fnsAore9rnent"Hech!'s" means. Too. MayNatiOOaI Bank of Ohio, 300 Sh<>..ffie1d Center, loW! Ohio, +4t5, an.late Of The MayDepartmentSiore&Campany t"MitI) and Maymng arrf ching businesu. H~ -You' and:"yool" me.an eath and~ pelSDrlS who sign llrsutJ.: m\tiI!J appbfron IororiJsea Hecl'1!'s aco:JlIOC "AccouIt'mesns any~ orrnoreaa:ourt>nrtyoo have with He:::ht's- Thi&~em. tcgath9rwith all otnerliocUrnepls.supplementing arsu\)jed.:'II1bls1\greelnent,.expl;lins:fiI!ltenns!haigoyemHecbfsaa::aurRsandhoW1DUSBthem. Youll:greelofualerms:ofthisA.g~entby~anappflCationfuranaccol.mi., signing an~ tar an accotmt orlf sltheryou or an authorlzl!d User ilse.fue aa:ountm anyway. RlUR IQNI,lS OF- ACCOUNTS-+lecht'sofim lour kinds1;/, ~act:OtlT1ts. fue: F1exlble Charpe-Ao::ouni.,!he Time Option purr;:haseAccollnt, lhe Table TopJu::alun~ al1d, from time to \imtlatHbc:hfssalfeleclion,lheFine.JeweJryAco:mrt. KOYlTC. DSf'YOUR At:COUlff, , . .~~~ytmhavea.Aexible'Cbarge~youmayi:metiiisJltCXlllntforallpllTCh!sesfro:mHecht'ssubject\t}usualC1editatllhotttaliOnpnxiadvrBS. . liDa- 014\Dn PurUue A::c:otmHf you .have a Tim! 0piiGn Ptnt:haseAa:ourll, you may use tiPs !COJWltforpur,:hase$ o(indMdi13l items costing $2OD or mOl!!. SImply request "'TOPNrDdofyour:nles:p!l501laftnetimeofpulthase..Eiiglble:iI'ems\nclucieappl'ianc!s,ltrrr1ii1n,carpeiingardMe~ ' T~Icp,lu::eaullHtyouhavea. TableiopAo::allll!, ~ iMyusetn&acccailtJorpurtlw:esotmr, chmaand ay&tal ~$200orrnOTe.. Rn& JewlyAc:eaunHf Hec/'lfi. oliels and you are ~ved iar a Hn& JeYi'e11}' Al:oot.rIt YOll may use lhe ac:::ourttfr:Jr p~ of'firoa}eweiry ttlSting S300 or more. O!"EMlHG)fE -'CCOUNT-Youmay apply lor and HedIt's may appt'IJVe cnearmoreJdlx1sofa.o:::ounts foryou. Mark on yeuraj:lplbtikmwrnch iltCOUTll:[s) you wis'h to ope!l, Hecht's wiUno1Jy)'lllJf)'DUrappJlcafioflis"8pPltl'Ver:lordedinad.. ~mrONAPP1JCA110N. ,.You t;'Im11atinlDlmalion that you havagiYen m yottappllcafull1 is true and complsie. 2..YOll~1hatHechI'swllll1titrclumyour.a:pplicalkmtoytlu. . 3.YOll~e+iec:nrstDdlac:lcyolh"C1edltandworlt~ 4. You ar!laoM.1fJal: HechI's ~as giveti yell 11 copy af'the Oven-El"Id Crerllt Pian and SecuriIy Agreemant. 5.YOIlB!lJ$'loAllllernscfthisAgreemsnt. S..,lfynu have~esIed a Fle.libkl CharpeAc:ount, youaskthat Hat:I1rs send you a credii caJ'd(s}. CReDIT L.UlTt-Yoar so::oll!lt will have a credit limit set by Hecht't. He:hts. may increase 01 detreaS:~ your cred,'t limil:from tirM to tme. Ri:.11JRten CHECKS; PAY&rcllT.F.EES-4fyilu pay by checl; ardfue chet:k.isrsturna!l'unp8id lor any reasotl to Hecht's., H.ec:ht'smay-asms a "rehlmedchs.l:t" feeo~ up tots ill yOur ~U1it.i~ifianaIly,:~ agll!e.fuatany rel1lm check,may be 9\ectrQnbt)ly re-pre.sel'lWdfurpa.~ent.8.tyourbanl:::at M/{R IInt\[!mal pa)'Tl1entlsmarl~, anll you ~grse 10 pay t.~dlaigeotilptD'5.DO-toranyinStl'Un'l&ntweprepare.6nYOUl'behaII'futpaynl!mtPtn:Poses; _ . , " ~'ttmauthcIiz.e'Hsd1I'siod-,1I1petpyourao:tluntall~1hsrYPllj oranymlK'llOOtsotycudamrl')'\llnyofuerf'l6!SOnwhoTE!Sid~wlIhyo1l"orJlnyoneels6~ulhD' rinw::I'by~,lnaIteonycwr'llC;CUl1t.. . . '. . ,~" .', _' ,....':, PE\'OIEE'ro'PA.'f-"It1llprcmB&top8fa1l.IllJlOOOlsdmillC\ youillClXlUnt. ~pfton ...moi'l8S~crstJ!m,~lh6aP\lli:::lli6nlXm!aIt1tr~~or~1tI this Agreamellt. crwhD is lliIIlled as sjainl accotlllt holder is responsible abr>e- anD 1ogefner~ ariyone- ekesigning jor all amounts- due on tl'le. l!.ccmmL 'fC\J aft! al&o respclrls'ibls jar anr~ made. by anyi7len:llien; jjt youriamiiy, anr clher person who resldes wi1\'l you or MYci~ yoll have autirorized to us-e ~ ao:ount. . Cf!EOIT'CARQ$-At your request, Hect1& mily!$sue aedlt ~ ro y>:l1J and ~ autholized by you. Bll! Hecht's will issUfl credit carris Oo.'1ly"furyoof F\sxilile C\;a~e Account. "Thee c:;all:$-'Bn\ 1iIe.~of Hechfs.lfHrlJrsasksyou tCI rewmihe careS,}"3lI mUSl. ttt.Stl at ance.Arrj t:ards issued to oIher pe=ns iltyourrequest are gtwemellbytlie \!inns-ot!hls Aareemern. YIlU apIil! 1D l'1OfIiy Hschrs,at once if 1I1lf card is !oster stolen. .-' M.~otYS'ii\I~l!CI'lt'sW$eiirydlT.a-rnonlfli}lslatem!intto6actJ~un\wi'ienever\tJaIS-I>Ii'i:1ecfrtor'Oebltiiiiicirn:eof-mm5fe.---' .... _._,- -~- PAYIEI'lrS-'fo\1 agreeto pay \he, lDOIllhlypayment Jl!quirao'on each ac::oun!.Of\ or befurob :O-l~ due data shoWl'i. on yollr morrthiy statamanL TIIS 'paymem tiuBilaIe \WI be- Bl jaast.2.5 daysmw-r tfie ~ Cale. otyom previcu bl!ling periotl You carrpay more 1:han 'ine recuired paymltl~ m any time. Your manthl!' statemMt wi~ Soow your 'Naw Balance'. 'Tnemonth\ypiymernrequiredtor~accollrllsarE: ' . Flexible. Charge Aceaunt J.tsw BAlANCE REQUIRED IWIiTHLY PAYME-m- UptoS25 E\a!anci!.itlFIIlI t25fo.$166 .$25 $166 and over 15% ofihe. "New Balance~ mOTl.d!ld up IrrthenSXI: mt.rltiole of $10-, , . 11MEo."'POI.i,"'r~P.L-T"".y,;if'est~lIlBdalatljOl'leiirrJebeioreJhe~co.'>lpJ&i9Iy~--MtSmW=tM~~1l:;-~,~YfIli!nts,~O!;qt.' De:::rN;rie',i\fit.&:'~i1tne-onpBfdbalaI1ce, .'. . IilGHEST'BALANCE REQUlREDMot..'lH1..Y?A.'fta1ENT Up to $320 S2n, or balance of aa::con~ wii;ciJever is less. - $320 and over S1!4%.m~balan:;ecrol:Jfl6edllptothensxtmul!jpleof$Sc ., . TABLE Tn? .4.CCOUNT-For the-purcl-Tase of china, ~!l, sirv!!r and Wate:rfoId JarnPs-cosfng $2.00 or more., the hIghest baianc:e owed at anyone time before me ac::ount is t:cmpleTely t:Ieared dsiennines liis mo~' paymer.! ~uireli, arid fuS payrnsnts do notde...-ro...a:se wTfu a Qacf"'...ase in tfle.unpaicl balan~, HlGH5ST BALANCE REalnRED MONTHL.Y PAYMENT Upto$4BO .$:2Cl,orballmcemaci:mmt,-whichevsrisless. ' }W'O fI!ld .over :4 1/5% of highest baiante ;ouncled up to the next mu1liple of $5. . . fINE JEWEL.RY- ACCOU~-For the p1licha:se of Me jewell)' ccsting$500 !=lr "mOre, fue highlO!St balant:e owed at any fun\!; hem the accmmt is tXlmpletely dearr.d de!emunes the rnontn'o/ payment required, and the payments do no! deCf9uiW\th,a oecrsssmlff:,e'iinp8iCfbIillMce. HlGHESTBALANCi: R=-cUIRaJ MONTHtY PA.YMENT ' $500 and over 1/12 of highest ~ rounderl up 10 rns. next: muIfiDle of $5. R:SURNS-Fct ~licrJ and conectDn purposes, I;:ledh:(w~t.lmed rne:rt:hantiise are not~o' iIllhe same manner ~ p.ymenis;. .~&'lr.t ---~IH!!:; AGP=LJ""NT,..11Vl h_'" n:-'~ ,,~-u;.....,UniiedSiaI'e.s pavam tllis Agr&ement. ANAm:E CHAtlG~ 'fOU'~ 10 1Ja}'W ANANCF- CHAR~ cue on yourar:rountwhkh wm not be in excess ofihat permllmd by jaw. H8c:ht'l chrtpes- no ANANCF. Cf(AR<E !i: , 1. )'011 pay lie "NswBa/alJcs"inM wi\hin25 da}'s~li'1ecIosing dai&ofyol1l'pnM:lus. tllIIi;'igperlod. or 2.. The "PteriDll$BaIance'sl1awn 00 your mrmlhlysbiiemcnts iszero, or ' '. 3. You mal.:! payments or ret:aive. credi1!l, wiiICl1 are recorded on or bBiore full payment due rlsie shown IJ1l your pmvioLl$ monthly statement and ~ equ<I\ or exceed lhe 'New Ba}a.nce"shownon}'OlIrprevioasmonlhlysiaiemen1. Olhe1wlse, Hel;hfs charges a FmAJICj:;" ~GE on your ac::ountwnich wiU begin 1:0 aa::roe on ~ date ofpllJd-~e, RNANCE CHARGE: . FJ.,EXlBLEACCOUHr:ANO TIIlEOPnQfi P1.4N-Jfpaymenlofthe 'New Balance-on 6itt\er100 F1axlbli! Aa:olJn! or the Tn:ne Option Plan is natll'la'M wlth\n25 til!;yslrorn IheblllIng ~ of~y JOa1Ih1y sIaI!!mm1t, you alto ~e to pay a FINANCE CHARGE. The ANANCE. CHARGE. is dstelJllinsd by app.1iing a monlhIy pe~ nne of iM~ (ll.mill.AL PER- CENTAGE. lIATE ol21.BS1:\o!he -Average Daily BalarX:e~ of the arx:otint, ncJiKflt1g CUltB~tansadiorls.A 71iinlmum FINANCE CHARGE-of SO; may ~ assesseil. TABl..ETOPACCOUNr AND FlNEJEW8J\Y ACCOUNT-TharB is-no FINANCE CHARGe{O'i.ANNUAL ?EJl:CEllTAGERATE) 0Il1hesa ~ as qasY:OUlllaXeyourrequired montlil:{pa)'IIleI1twben due: /fthe ao::auntis 6O-tiKys DilnOre past dl/ll in any bDiing period, yol.J also agree 10 pay a FINANCE CHARGf,Jalll fw and, If ap?licab\~ allamey's lees ~ dtsdi:milllrlerFlsxib/!Accollt1l.ali.(fTlme.0pOOn?lan. ' AVERAGE DAIlYBAUHCE-To getthl! 4~ Dally!laliillCfl- He:ht's takeS1f\e bllgitlnlng bala1lce ofycuracc:ount ead1. day, adds any J'lBWoumhases Bl'Id mneT c\larp"..s anti sub- baci:s: any payments or atldits (and WpIliI! FINANCE CHARGES in P~a). This gives HllChfs a dar1y-haJanr.e. Tnen Hecl1t's a~ up aU the Oallj balarasforlhe biD~ peiIodsncfdvides'1:he Iel$! bylhetu1\tltlercl'tlaysm1hllbllTlI1g penoa. Thbgim' Hecht'sfrle'"A.YllTageDBio/Balance-. . A.CC8..ERATIOlfoF PAYI.lENTS--Hed;fs may require payment at once of file enlire Qutslandi~ bai3n~.. 01 your account if you faille make a ~,mOOthIY 'Pa}'l1l!ll1' when dUe. YOll aISlJ agnre to paya// CDstsofCQ~1heaCCOUl1l:inc)uding attomey'$tees.and CtlUrt ~ as allowed by Jaw, ifyouraccouniis~ lev, CUl3lde agency orattomey furcollaclic)[l. . . ~ APPUCA'TJON OF PAYMam. Payments marle 01) any,a.ccount ara applied 1m to unpak! FtNAHCE CHA.RGES, then to late .payment tees, moo ro!lle ~ oj tolIedian. ,/i!lumed check lees andsimilarclwges; N~fJl\Yll\Bnis. aIt! appiBd to pay the pun:hase price of men:hantiiseinfuisardar. fllStlc nems which were ~iirsI, than \D I\'emsplirchased \ait!r,inlhe order at purchase: Inlhe~~\woormorelIems pu~edthl;.samada.J,~areappnedtaihelowestpricedJiemilrst,lttenlc'lf\Ore.~ilemsinascend- \iigDrtierafprice, .. .- , ' LlASIUIY"FOR LlNAUTHOfUZEI] USS-YC!i may be llable for llllaulhoriZed use at your.aeliil. t:3tli. 'fall wi>> nol be liable lor l1nau'thori:ted ~ that occurs llfier'YDll nolily Hecht's.lll 300 Sheffield Canter, lor.in, Ohlo44a55, Telephona{44D)233-27'40VSrDaliyor in.wrtfirig.aflhe-loss, 1l1ef\, orposslbl,e unauIhorized l.ISE.lnanj'casE, yom 1iab11ity'Wil1 I1Ol: exceed $5(J, seCURtTYlIiTER$T-Excepi where prohibl\ed by l~ HBChf.s relains a pUtt:ha$s_mcmey ~ll\y intBTest uncierthe Uniimm Commercial Calla in the ~st' pun:::ha.sed u:mer 'ih$ Agreement in orrletlhat Hecl1t'$ may ~~ pClSSeWm 01 the merchano-lSB If you tb ncl ina\re paymenlS when a\lfl. You are- responsfule, tar any loss:_ or damage \0 !he merman- --rlise..tJnlnfuepurd".ase~isfultypaid.Hed'It'se;.:presslywaJves-aJlrighistorotainoracqllimar(firlceTestinanypropertywhlcl1isusedasyoilr.principa\~.inls'waiverappfleS .- cn\ylDinte~whichQiach~byiaw:il.doesl)OlappIytoaIlYfllll1iaaa:lEdOy~C:OIlrtjudgmlsriIDfacquiredt>y~as"prtiYideLlbY~. ,'. SECURa> J:>ARrrREMED~s has all me lemedies r;,f.a secured party lJi'.darhUnilcm/Ctlm.'1lBt"...ial Code. Those RIlI'Ied1os in:luda fui light wlWike. possessrOll of the me.n:hanti!s:e: iT you are in.defau1t unaer1his. Agreemeni. llpon any defaul!:..yau wJJ~ at !iechfs tequas\, 1aKil 1he masmandlS'e to tile stora whim' pl1l'chas<<l anrlWUm.the merchamflSl! to ~c:i:h, You wiilbe in dEiaulf if you seffor ofuel"His:l:: dispose oftha merChandise bafure l~ purcha~ price trJullrpaid Without Hec:h!:s written coMent, or ss:providElCl s~e'M1ere in lNsA;llBameIll , . .'. '. . llEFAULT';"YouwilJbe in defauIllfyou (i}fa.!! to cbmply-wiIh anyteims OfthisAgIaBrnent, \11) are l.Inableto pay your debts oriaillO pay your delrtsas they,rome du~, (iii)iail to c:oop- ~........:.. r"~"'" "U~...I,~~-~",,:,,~~~~'j"'l't r~"""^'M_"""~ '~~~';i'~~' ~-("~ )..~~-~ ..._~.....e:.... ;:'71'l.l'~""" ~. ~~~._, ""l'l- ':'-''ill1ill'''a~~':f":' .'r-:" il:;'WTpr,;,'~t."~'~~~. N.O'T1RCA.i1QN Of: CHANGS; DPDATSi IN.FORu'A.llON-'foU ~.to -gNE! HtIdll'i ~ den ~ by 1TIa"K III ~ address prcvid&d,ln~yrU l'r'IOI'\lhtj ~emert'lor brlfmll ltlquiries '?1 any d'ange in yom- name, addres:s, emp\o~~ orplilc6 at employment llyaur ne'W witience is in awlher state, ollrlanns forClJSciners,m fua! stne.:will-apply to 'ftIllr<l!:t:OUl'lt.~oollpreslhli1:then:omrvehic:k!_~~~.'_.~~m.~.I'}~le_~e\y!yIt!Sid6. '. ~~.'~ Heqrt's.if.llbal;<:lIre;l~',~~ou,!JP!lD.~e.;t,.JIilll agreeioprve1iedIf5upmrt/!:!!~'id!anaciiffipi6lepeGtlnal,~15yrnentandrrnanoialutiatmati!ll:laOOutyolJlSell. . ".:" . ASSlGNMEHT*..i:h~ may ssll orasslQil any Par! Of your "a:::coUntlc anotru!rcredflor, includio'jal'l affiil3.ie.ol f-!!>clU's, at any1ims anclirom Iimet~~~:rt!urtileT~Cii 10 yOtl.. PRIVACY" PRACTlCES-Yoll urxiBmand andagtee l;hillimm time to1ime; Hech!'s.ir.ay ~ and ~ credit intormafionabout yaullcm 01h~1S; sucli as~, \entiersaf!d md- Itburaaus. Yoo alsO lJni:l~ ~ &grae lhitHed1t'.s supervisOIy-pelSOnnel and .agecnis may !is.te!'ltoj~\ephonet:arlYBlSations between yClU!IlIO Hecht's:.~f~ lortr.l:irnng ~utpOSb and ill evalLmie and i!S$ure the qu.aliiy Of Hech!'s"5eM~. . '.: i, " ". bU; PAYJdENT FEE-1-ledlrs inay essess a late paymllnljee trr up to.$25, ~J"S.anypayment is tal", \)'t6l> clays or mOlI! (lIlduded in the pas! cue amount;a se=md1im8). " CKA.NGS1HiERllS OF AGREfUENT-Hecht's r,as fut1rightto chanpeiile lenns oflt1is~en!., If Hecht'smakes any~9"..s, Hecht's will no!ify yao_ as r~ bylaw. Changes to this Agr88ITJent may ifdllde, but 1lr!' notlimW:t tn, fuera1e or_lhe finance chaJge, !he amount of minim!lm flTlanQl. charge, 1M mEthod ot:figuring the'calanca,cl\- wi1lt:b lheiinar,ee. cha~ is appfrerl! the amoUTIf of the mon!h!y payment lE~, 1he clasing cr.ue orfhe monthly billi!'lSl pern:.d amltnaJenglh of the- bilfJl'lg pMocL TM cha.ng~ wlU appIyw1he balan::e outr~OI1tne~dateoflhscha1tgeandanY~balanceafierJhechai1Qt12.S:alIowedbj_\aw.. "~.': ':' " ' ClOSlNV YOUR ACCOUNT-EiIper)'Oll or~s may--closeyourllCCOun1"al anyilme:. YOtI muttsiill paytlei::ilt's-arryamoum clue 01'1 )'ClIraccauntff eilh~,ymt m:~d~yo~rac;:;ount CR~l}.IW-;;STIGA110N AND REPDmlNGj SHARING OF IHPORlolATION-YOll aut\lcrize Hecht&ltrin~ yolJrandany joint aPPit::art'S",or~.~S"crBtfJlhl!.Wry a~ lo_ciJ'iairl Social Se:uriiy and drivets iice~ numbers from iime 10 ame In ccrmection with the.account,.irl cormecncn with any laiar relljew,.updaie,-re!ll,~~ or.'exwnsioo ~I creal(, or m '.~withanydefnquehcy>d..=fauII,oraispute-~1hsa.:=ountorfcrarJyctherltwtul?u;posa. "'fcualsoauthofluiHed:rt'$lO.ob:ainor:shaIe2nY~1)aboutyouor your =untwllh afffilaies unless'}'OlJ noIiiy lIS.otherwise \r\.writing in ajther indlIlfmg your I1.a!M, address, ilCC01lTltnumh5r and ml! sigr..ature:of"eilCh:~rt notifying us not to- sham informal:ion, &kl~lllo P.O. Sax:~, Lora1n, OH 44C!S-8C1a: You agree that Hecl1t's may ranort ml 'fOIlr =t1l1t p~rmara to.:redll' htm!au$:~ athar lawlul ~p1mlS and ~~abOlJtour~expenences~ytll1.Ytlll~1hal:Y?Vilre:ll:rfhorizedbyanj:pemll':cfuerfuan)'tlwseltnam!!dinyour~lJrwlt)"maYllSe'JOurac::ollnt to ~ us 10 cheQ;:atJd It!pClrth&'iler credil:hisloty and. S6daI Sec1lrity and Orivllrs bn:;6 number as-~ abova YOII.alsoauihoiUt!'.us;ta.diei;:t>:yatlremplo'fmenthisl"ory andto~d:purempl::lyBrto-VlIriiyyourarnploymerU:str.tusfrom"lirn:liotimsioranyjawfulpurpase,!!S-petmil\ellbyBw.l!youbeJeveanyinftl' :,. .;....- .' _p0rt- Ing -agsru::ie:s abculyotlt =Dnt perionna:n~ is incorrect. to pre.SeM.your ngt1ls you mustwriisw at PD. Box. B07~; l..llrain, DH 4.405:"-8079 and,iOe aiitm you baiieveisino:lmlct. YOll Can tel~l!S, orwrite lJ$a!.a~rent address, blll'dlling SDwilI not presBlVl>YOIllliphti-;.?I.ea&e ptoVide }'Durn ~ rand sigl'l;':' /lm! a:langwlti'l any a'l.;Iilable do::ume;.tafioll Suppornnlryourclaim '\hal.Wf! made an elJOrto ~iie-investigaUm\ or)'OUl"'ciIDm, RIGfITS Of HECHrS.He::ht's may delay en1crcing any righls under1his AGREEMENT 1'Iithollt' Iosirlg 1hetn, . _., NOTJCE TO ~ RES1D6iTS: SERVICE CHARGES NOT IN EXCESS OFTI-lOSE pERM1TIEJ BY LAW W1U. EECl:lARGED ON .MONIH:rq MO~ U.IIr'.arylanclIllw; inquiry on retail Cllldit smm; may be made within so days of receipt oi blIfll'lg .sIauunim>~ Rsfi" ~Itmr rights ll~ieriel'aJ law, Nolice at eJedion: Th4" Ag!eem2lltis subje::rto!he provisions: 01 Subt'tle 9 of1ille ~2 of'the,CDlJIlfIBF.:ia)... , NOnCETO DElAWARE AHD PENNSYLVANIA RESlDENJ's: You tnil'f pay oltyciurlllJore balance at any1ime... _ '''::: '.:,-.1-.fE"~ ~;,~~~:;t; NOTICE TO \I'ER.Mi:1NT~\ti-::-;m;'ioo=ent'lo Hed1~.s oblainlngWl:l usmgyouroeolt/!!portto open youraerount..'a~'o/;~~~:, ^~ ..~_}::;:~~: ~l(~;/ , VERIFICATION I, Ron Z. Opher. Esquire , hereby state: 1. I am the attorney for the plaintiffin this action, and I sign this Verification stating that Plaintiff is out of the jurisdiction of the Commonwealth; 2. I verify that the statements made in the foregoing Complaint are true and correct to the best of my knowledge, infonnation and belief; and 3. I understand that the statements in said Complaint are made subject to the penalties of 18 Pa.C.S. ~4904 relating to unsworn falsification to authorities. Dated: lid..) By: ~ Ron Z. Opher, Esquire ~, r-' "'" c"' eJ' (.- c::. .-"" - r-..> . S",,<: 3. q, :('" (t"\f::. -""'II' '. :,;\:;::"\ (~~~ ~~-'::")01 ?:~ CO'1) 'A: ~'7: q r-..> ..0 Ron Z. Opher, Esquire Attorney for Plaintiff Attorney#57507 P.O. Box 2245 Southeastern, PA 19399 (610) 902-0530 THE MAY DEPARTMENT STORES, d/b/a Hecht's IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff CIVIL ACTION - LAW v. MARY D POET NO. 05-3282 CIVIL TERM Defendant PROOF OF SERVICE I. Plaintiff filed a Notice of Appeal from District Court on June 28, 2005, said Notice of Appeal being original process. 2. Plaintiff served said Notice of Appeal on Defendant on June 30, 2005, as appears from the certified mail receipt attached to the Proof of Service of Notice of Appeal which was filed with the Court on July 12, 2005. 3. Plaintiff filed a Complaint-Civil Action in the above matter on July 12,2005. 4. The complaint, being other than original process was served, pursuant to the Pennsylvania Rules of Civil Procedure, by certified and regular mail on July 14, 2005. A copy of the certified mail return receipt (signed by the Defendant on July 18,2005) is attached hereto and marked Exhibit "A." 5 Plaintiff files this Proof of Service pursuant to Pa.R.CP. 403. AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA :ss. COUNTY OF CUMBERLAND I, Ron Z. Opher, Esquire hereby certify that the statements made in the foregoing Proof of Service are true and correct to the best of my knowledge, information and belief and that said statements are made subject to the penalties of 18 Pa. CS.A. 94904 relating to unsworn falsification to authorities. DATED: August 22, 2005 ~. Ron Z. Opher, Esquire . . osta erVICe,,, GERTIFIED MAIL:.RE.CEIPT (. omestic Mail Only; No Insurance Coverage Provided) M U1 ru i L1To~O"F"F'i'c"I'Aji:T~""""'U'''S''E r'- Postage $ (Yo ::r C! C! C! CertlIIedFee ~~ ..' ~ ~ \/,:..\ '. ~,.., >",'~\ !0jj /,:;:Jl /';"';/ "':,-~", Rel:um Recfept Fee (End_ment_ C! __Fee U1 (End_Aequlr8g) 1Tl M Tot~_&Fees $ \ ~ \';<:-,', ~ ;;jf;;.~=:i~~~~iM: U,S, POSTAL SEfNICE CERTIFICATE OF MAILING A m MAY BE USED FOR OOMESTJC AND INTERNATIONAL MAIL, DOES NOT po PROVIDE FOR lN5UAANCE---POSTMA~T~Q . p Ron Z. Opher. EsqUIre ,. Receivec P,O, Box 2245 - Southeastern, PA 19399 - - - One piece ororcllnary mall addressed to: /{'2d f1a.r!J ' (), foe!- ~...> ~i ((~RQJCU W~t7o() (;ar I /S'fr;Y fA /7o{? , '\6?> PS Form 3817, January 2001 <,"j,;, '~ -.'---..----------. SENDER. COMPLETE THIS SECTION . . . . Complete items 1, 2, and 3. Also complete item 4" Restricted DelIvely /s desired, . Prinl yciuroame and address on the reven;e so that we can ,return the card to you. . Attach this card t~ the back of the mallplece, or on'the front If space permits. 1.ArlIcIe Addr8ssed to: D. Is deI/ve1yadd.... _ trom lieml? [J Yes n YES, enw deI/veIyadd.... below: [J No MiUg a fbf.+ rt /f-Q!Jei7CY J)/t7t'dr1ll, Car' ! (Sly fJA-- /70 f3 1 ~, ~ .' 3. _1ype ~MaII CExpI8SlsM8J1 ei R<lgIsteOld" [J Retum Recelpi forMeroilandrs. D'_MaII 00.0.0. 4. _ Delivery? /EJd1B Fee) .2~ ArtIcle Number .~-----'-""~-,,---o------'--'--'----_._C.____- (1I81!Sf.;',pm~ w' ;" '~,7aa4 "n5a{J~la4-a25i L~~form.38L1.:Fllb11Jary 2004: DomestlcReturn Receipt DYes l~2-0 102595-02-M-154 , ~~.~ 1 f{ h . -'(.~ :::- Q, ~~- f"n: -r:' r-) ~:':,~ "'s..~ l~~~;~) ":,,::: rf\ '(2- ~l":'>' ':~ Q S; ~ ...~ <:P Y G) \",' - - 0-' ." r-..> o Ron Z. Opher, Esquire Attorney for Plaintiff Attorney#57507 P.O. Box 2245 Southeastern, PA 19399 (610) 902-0530 The May Department Stores, d/b/a Hecht's IN THE COURT OF COMMON PLEAS Cumberland COUNTY, P A Plaintiff v. CIVIL ACTION - LAW MARY D POET 88 REGENCY WOODS N CARLISLE, PA 17013 NO. 05-3282 CIVIL TERM Defendant PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff, The May Department Stores, d/b/a Hecht's, against Defendant, MARY D POET, for want of an answer. Assess damages as follows: Debt Interest (per contract and complaint) Attomey's Fee (per contract and complaint) TOTAL $736.90 $92.85 $350.77 $1180.52 (plus costs) I CERTIFY THAT THE FOREGOING ASSESSMENT OF DAMAGES IS FOR SPECIFIED AMOUNTS ALLEGED TO BE DUE IN THE COMPLAINT AND IS CALCULABLE AS A SUM CERTAIN FROM THE COMPLAINT. I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered after the default occurred and at least ten days prior to the date of the filing of this praecipe. Copies are attached. RC.P. 237.1 ~9- Ron Z. Opher, Esquire ID #57507 Attorney for Plaintiff AND NOW ~(~ ~ ~ ' 20!)S , Judgment is entered in favor of The May Departme t St es, /a Hecht's, against Defendant, MARY D POET, by Default for want of an answer and damages assessed at the sum of $1180.52 plus costs as per the above certification. !L~ OFFICE OF THE PROTHONOTARY COURT OF COMMON PLEAS Cumberland COUNTY COURTHOUSE 229 Mill St. POB 167 Mount Holly Springs, PA 17065 TO: MARY D POET 88 REGENCY WOODS N CARLISLE, PA 17013 The May Department Stores, d/b/a Hecht's IN THE COURT OF COMMON PLEAS Cumberland COUNTY, PA Plaintiff v. CIVIL ACTION - LAW MARY D POET 88 REGENCY WOODS N CARLISLE, PA 17013 NO. 05-3282 CIVIL TERM Defendant NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Default Judgment has been entered against you in the above proceeding. Prothonotary r?!)Lf!D-S IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE, PLEASE CALL RON Z. OPHER, ESQUIRE, at 610-902-0530. U.S. POSTAL SERVICE ,;ERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAil. DOES NOT PROVIDE FOR It ff ""',=,TuA!':TER Received Frc p on Z. Ophe:,.Esquire .0, Box 224$;' Sout,h,i~r::. rn, P"-?19399 ...g; ~~ 'c ,c.") ('~ CD:; ...0 '.../:!w C!,' Onepieceofordinaryrnailaddres dto: 'f'~. !~:O' ~:' PS Form 3817, January 2001 ". The May Department Stores, d/bla Hecht's 111 Boulder Industrial Dr, Bridgeton, MO 63044 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PA Plaintiff v. CIVIL ACTION - LAW MARY D POET 88 REGENCY WOODS N CARLISLE, PA 17013 NO. 05,3282 CIVIL TERM Defendant TO: MARY D POET 88 REGENCY WOODS N CARLISLE, PA 17013 DATED: 8/9/05 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITIEN APPERANCE PERSONALLY OR BY A TIORNEY AND FILE IN WRlTIING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAYBE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS, YOU SHOULD TAKE THIS PAPER TO A 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 INFORMA nON ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A lAWYER THIS OFFICE MAY BE ABI.E TO PROVIDE YOl) WITH INFORMATION ABOUr AGENCIES THAT MAY OFFER LEGAL SERVICES TO EI.lGlBLE PERSONS AT A REDUCED FEE OR NO FEE LAWYER REFERRAL SERVICE Court Administrator's Office Courthouse, 4th Floor 1 Courthouse Square Carlisle, P A 17013 (717) 240,6200 ~~ (Signature of Plaintiff or Attorney) Ron Z. Opher, Esquire Attorney for Plaintiff Attorney#57507 P.O. Box 2245 Southeastern, PA 19399 (610) 902-0530 The May Department Stores, d/b/a Hecht's IN THE COURT OF COMMON PLEAS Cumberland COUNTY, PA Plaintiff v. CIVIL ACTION - LAW MARY D POET 88 REGENCY WOODS N CARLISLE, PA 17013 NO. 05-3282 CIVIL TERM Defendant CERTIFICA nON OF ADDRESSES AND AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA :SS COUNTY OF Cumberland I, Ron Z. Opher, Esquire, being duly sworn according to law, depose and say that I am the attorney for Plaintiff and I am authorized to make this affidavit on Plaintiffs behalf. I hereby certify that the address of the Plaintiff is 111 Boulder Industrial Dr., Bridgeton, MO 63044. Defendant's address is 88 REGENCY WOODS N, CARLISLE, PA 17013. In addition, Defendant is not in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Soldiers' and Sailors' Civil Relief Act of 1940 or the amendments thereto. I verify that the statements made in the foregoing certification and affidavit are true and correct to the best of my knowledge, information and belief; and I understand that the statements in said certification and affidavit are made subject to the penalties of 18 Pa.C.S. 94904 relating to unswom falsification to authorities. DATED: 8/22/05 BY: Ron Z. Opher, Esquire ~, (j ~ 'C }:J r;-. -C\ r-' 0 (') c-;''> -n fl ~ C) c ~ .-1 ~ 2: ::C--ri V ('1'1('::: ()- t.i^) ~I,JJ. r -. "\) -0 [>1 ~.:.'.1 ,-{ IS'- :!" ;~').\~> :t: .:S:".f\ ~ f- ...-0 (,),7') j G .....,.... :.:; '("11 -'" t:..J W ~ t? t;-: ,C\ -;}j - '-< ~ -I-- ..0 ~--c.. -