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Home My WebLink About05-3686 2016485 THIS IS AN ARBITRATION MATTER. ASSESSMENT OF DAMAGES HEARING REQUIRED. GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 PAUL M. SCHOFIELD, JR., ESQUIRE Identification No.: 81894 21 SOUTH 21ST STREET PHILADELPHIA, PA 19103 215/988-9600 Atlantic Credit & Finance Inc. Assignee to Household Bank 3353 Orange Avenue Roanoke, VA 24012 COURT OF COMMON PLEAS CUMBERLAND COUNTY vs. DOCKET NO. 05: -.J~Pfo Ct-u;[ ~ I JANET M HOCK 22 SCRAFFORD ST SHIPPENSBURG PA 17257 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 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 JUDGEMENT MAY BE ENTERED AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 32 S. BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 e6-- 3(, u ~ J. COMPLAINT IN CIVIL-ACTION 1. At all times relevant hereto, the defendant(s) was the holder of a credit card, which at the request of the defendant(s) was issued to the defendant(s) by the plaintiff under the terms of which the plaintiff agreed to extend to defendant(s)the use of plaintiff's credit facilities. 2. Defendant(s) accepted and used the aforesaid credit card so issued and by so doing agreed to perform the terms and conditions prescribed by the plaintiff for the use of said credit card. 3. The defendant (sJ received and accepted goods and merchand- ise and/or accepted services or cash advances through the use of the credit card issued by the Plaintiff. A true and correct copy of the Statement of Account is attached hereto as Exhibit nAn. 4. All the credits to which the defendant(s)is entitled have been applied and there remains a balance due in the amount of $2,785.31. 5. Plaintiff has made demand upon the defendant(s)for payment of the balance due of $2,785.31 but the defendant(s)has failed and refused and still refuses to pay the same or any part thereof. WHEREFORE, plaintiff claims of the defendant (s) the sum of $2,785.31 at the rate of 6% from the date of May 7, 2003, together with costs and attorney fees. GORDON & WEINBERG, P.C. FREDERIC I. PAUL M. SC Attorney for I ERG, ESQUIRE LD, JR., ESQUIRE Plaintiff BY: POlE VERIFICATION FREDERIC I. WEINBERG, ESQUIRE, hereby states that he is the attorney for the Plaintiff(s) in this action and verifies that the statements made in the foregoing pleading are true and correct to the best of his knowledge, information and belief. The undersigned understands that the statements herein are made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to unsworn falsification to authorities. , ESQUIRE EXHIBIT nAn - = !& - - - - ...... !l!I!!!!! ~ == = ;;;;;;;;;;; - JANET " HOCK Aceount Number: 5480-4200-0806-9567 Important InforMation Your account has be.n placed with a collection ...ncy. Ple.se contact them directly, or call us at 1-100-$18-5533. (). {j I iP '-I ({ !j 010271 I 16 Page 2 of 2 D ~ .. ~ ~ ~ ~ . 51HT57 Accaunt InfarM.tion Account Number New aalance Payment Requested By 5480-4200-0806-95'7 1:2.815.31 05/11/03 A.aunt Past Due Mini.uM Pay.ent Due .2'5.00 Ul2.00 Hake checks payable ta HOUSEHOLD CREDIT SERVICES Please write your account number an yaur check. Do nat fold, staple or clip. Do nat send cash. Please s8nd yaur payment 7 days Priar to the p.y.ent requested by date to ensure ti.ely delivery. Amount Enclosed JANET H HOCK 22 SCRAFFORD ST SHIPPENSBURG PA 17257-7257 HOUSEHOLD CREDIT SERVICES P.O. BOX 17051 BALTIMORE MD 21297-1051 548042000806956700031200002815313 II = = ~ ~ !!!I!!!!!! li!!i !!iiiI ;;;;;;;;;;; ;;;;;;;;;;; UNITE MASTERCARD STATEMENT JANET H HOCK At Your Service 24-Hou" custo..r Service: 1~800-'22-2580 www.unlonplU$card.coM TOD for bearing/speech lapaired: 1-100-68'-9392 Call collect tor tusta..,. Service outside af the U.S.: 1-702-245-1575 Mail written inquiries to: HOUSEHOLD CREDIT SERVICES, PO BOX 80027 I SAlINAS I CA 93912-0021 Send pay..nts to: HOUSEHOLD CREDIT SERVICES, P.O. BOX 11051 I BALTIMORE. ND 21297-1051 Account SUMllary ACCOUNT NUHBER TOTAL CREDIT LINE TOTAL CREDIT LINE AVAILABLE CASH CASH LINE STATEMENT CREDIT AVAILABLE DATE LINE PAY"ENT REQUESTED IV MINIMUM PAYMENT DUE 5480-4200-0806-9567 .1,500 o. to 04/16/03 05/U/03 U12.00 u.soo Account ActivIty PREVIOUS -PAY"ENTS AND BALANCE OTHER CREDITS +PURCHASES, CASH ADVANCES, FE~S. ANO OTHER DEBITS _HEW llALANCE AHOUNT PAST DUE ...FINANCE CHARGES t2,728.12 tlS.oO 158.00 143.49 12.8l!i.31 .265.00 Transactions Transaction PostInG Oate Oat. Tr.nsactJon n.scription Reference NUllber Allount 04/06 04/10 03/31 04/07 04/10 ailS 1 PAYMENT ~ THANK YOU LATE CHARGE ASSESSMENT DVERLINIT CHARGE ASSESSHENT 204060300401005612908Q1 10000030000000000087460 10000030000000000092490 US.DO .29.00 .29.00 FInance Charge CalculatIon Th1s 1s a grace aocaunt. FINANCE CHARGE NOll1nal ANNUAL Grace per10d Aver."e Ddly Days At Annual PERCEH"TAGE Infor.atlon Daily Periodic In Periodic Cash Advanee Percentage RATE on bact.. Balanc. Rate Cyc 1& Rat. Fees Rate PURCHASES .2,7".8& .05070% " U3.4' to.OO 18.49% 18.490% CASH ADVANCES to.OO .05480X 31 to.OO to. DO 19.99% 19.990% Pa"e 1 of 2 010271 I .. G STHT57 D Account Inforllation 5480-4200-0806-9567 .2,815.:51 05/11/05 Account Number New Balance PaymGnt aequested By Allount Past Due MinlmuM Pay.ent Due t26'.00 .312.00 Make checks payable to HOUSEHOLD CREDIT SERVICES. Please writ. your .~count nUMber on you~ chock. Do not fold. staple or clip. Do not send cash. Pl..se sond your payment 7 days prior to the paYMent requested by date to ensure ti.ely delivery. AIlDunt Enclosed ~ HOUSEHOLD CREDIT SERVICES P.O. BOX 17051 BALTIMORE MD 21297-1051 ." JANET M HOCl(. 22 SCRAFFORD ST SHtPP~NSaURG PA 17257-1257 N ~ ~ ~ S480~200080'9'6700031200002815313 == - - - - - - !!IIl!I ~ - = - - UNITE MASTERCARD STATEMENT JANET H HOCK At Your ServIce 24-Hour Custo.er Service: 1-800-'22~2580 www.unlonpluscard.com TDD for h..rIng/speech iMpaired: 1~.OOw'5S~9392 Call collect for Custo.er Service outside of the U.S.: 1-702-243-1575 Hall written inquiries to: HOUSEHOLD CREDIT SERVICES, PO BOX 80027 . SALINAS. CA 93912-0027 Send pay.ents to: HOUSEHOLD CREDIT SERVICES. P.O. BOX 17051 , BALTIMORE, MD 21297-1051 Account SUllmary ACCOUNT NUHBER TOTAL TOTAL CREDIT CREDIT lINE AVAILABLE LINE CASH CASH LINE STATEMENT CREDIT AVAILABLE DATE LINE PAYMENT REQUESTED IV HIHINU" PAYMENT DUE 5480-4200-0806-95&7 .1,500 .. ..,500 to 04/16/03 05/11/03 UI2.DO Account Activity PREVIOUS -PAYMENTS AND BALANCE OTHER CREDITS +PURCHASES, CASH ADVANCES, FEES, AND OTHER DEBITS +FrNANCE CHARGES -NEW BALANCE AHOUNT PAST DUE .2,728.82 US.DO 158.00 .43.49 "2,815.31 .265.00 Transactions Transaction Posting Dde Dete Transaction Description Reference Hu.ber Allount 04/06 04/10 03/51 04/07 04/10 03/31 PAYMENT - THANk YOU LATE CHARGE ASSESSHENT OVERLIHIT CHARGE ASSESSMENT 204060300401005'1290101 100000500000000000874'0 10000030000000000092490 US.OO "29.00 .29.00 Finance Charge Calculation This is . grace account. Grace period inforllation FINANCE CHARSE Days At In Periodic Cash Anv.nee NOlllnal Annual Percent.CI. ANNUAL PERCENTAGE RATE: Aver.". Daily Dailv Periodic ~ .........,.............................'""....an1C."'..."'. Cl No,I docftue the uwrr~ MllSterCanJ. CREDIT UNE UP TO, 53,soo.00 OFFER EXPIltES: Non:mber ~t 2000 INVITATION N: JI.H49S839 UAL41 BA Janet M. Hock 22 ScralTord St Shippcnsbwg. PA 17257-1728 I 0 3 eue make.ny lllUne or address eomtdIom: above. IJwbtla~~~~--~:t..~~ .. PIm bi~w-c.~1.!!.--.7..~w~_1 ....Mr b= 'IbIlJ&n.__lbImlm:IblPQaat CORft&IClQ1badrlaed~S1IItIIICDL .",-i_'J~""1 IIeaolOiBlllIJ ~'lSlIIIlI<il"lOdoc:lIu) Rl!f ~ am.I'huCralltCard~P.O'DoolI41...Dqloeh.NYU75f.."'I' aOJ~ t.J.~5 or.. ~r...r+1- -'""X_..:~:~~"5' ...,X, ~ ~d,_J-:3 . ~_...._... .' . .":. ic.-EMp""'~NuII ~.. i~~iir~.. --!....'!'"'7 .___-.-'''!'! c,? 11 . ?..lr1r '. ,/cd40. I. '1'".#.:2/.. .~ "'_....,...,..~"-_..bc.........."""...._,......_ -......IIqI.flIo.......dIlIlIIIII..... i"7':~~IO~ ~~. .. ~ ~H""~,tl~ tloo.r ;;~.~M}'Dol~~ :!a_...._.-.IlIlcGrdd.....IDn. .... . ;lJQallll~~ . ;c-........,.,....lWIl,dilt........l;ta___.u.r.JIaoc...iC:;i.lc1m. ...MD"'.....'...bobo,l....."'................._...I.......lbIoolrlrlllJ" ~_..........,--~........~.I~ dlut.... ~ndtlllliM~'" t'1"\ 111J.~/-lffl . ~. .0 02. lWI:.. Records Management Application Request 10:163790 . Fiequest:lnformatlo,n "," . . , Account No. RoI. Aco!. No. SSN Open Date Invitation No. Product Request Date Roport Date 543906100-0063-5298 NA o00ooo16648 06107/2002 52755n52 Invitation No 2. 168480549 WHIRL 0211712005 02118/2005 . .. .......,,',.;'. SAR Job No. Time Rae. SAR Report 10 JOB36832 07:35:00 PEPG2126-004 Records Management. Retrf~walResults . '. . .... Routed To Systom WHIRL COMQ Retrieval MethOd Retrieval Result Application Request Retrieved Successfully Rotrlovoi Time 260ay(s) Completed By HHBU51 Garcia, IIlanca Date Completed 03/14/2005 II Unable To Locate, Explain: RecjUllStarlnformallQn" . '. . '.' .' . ..' . . , Requester 10 Requester Department FOTWllrd To Req. Address HCSlWD Internal Requester Too\bar Mom 1441 SCHlLUNG PLACE DepL SALINAS, CA EPAUUACF052803-1lCVRY.NV ~~ Prim Dale: 0311412005 = - = - - - - - !!!!!!!! == ;;;;;;;;;;; = ~ N ~ ~ ~ aOlloY~~ UNITE HASTERCARD STATEKE~T JANET H HoeK At Your ServIce 24-Hour Costo..,. Service: 1-800-622-2580 www.unlonplu$card.com TDD for hearing/speech impaired: 1-800-655-9392 Call collect for Customer ServiCe outs1d_ of the U.S.: 1-702-243-1575 Hall written inquiries to: HOUSEHOLD CREDIT SERVICES , PO BOX 80027 , SALINAS . CA 93912-0027 Send pay~ents to: HDUSEHOLD CREDIT SERVICES, P.O. BOX 17051 . BALTIMORE, "D 21297-1051 Account SummarY ACCOUNT NUHJER TOTAL TOTAL CREDIT CREDIT LINE AVAILABLE LINE CASH CASH LINE STATEMENT CREDIT AVAILABLE DATE LINE PAVMENT REQUESTED BY MINIMUM PA.YMENT DUE 5480-42DO-0806-9561 U. 500 $0 .1,500 .0 04/16/93 05/11/03 U12. DO Account Activitv PREVIOUS ~PAYHEHTS AND BALANCE OTHER CREOITS +PURCHASES, CASH ADVANCES. FEES, AND OTHER DEBITS +FINANCE CHARGES "HEW BALANCE AMOUNT PAST DUE tz,728.82 tl!i.OO 4S8.00 .43.49 .2,815.31 '265.00 Transactions Transaction Postinp Date. Date Transaction Description Reference Humber AlIount 04/06 04/10 {J3I51 PAYMENT - THANK YOU LATE CHARGE ASSESSMENT OVERlIHlr CHARGE ASSESSMENT US.OO "29.00 $29.00 04/07 04/10 05/31 20406030040100561290801 10000050000000000087460 l000003UOD0000000092490 Finance Charge Calculation This 1s a grac& account. Grace period infol'lIIation on back. FINANCE CHARGE .t Periodic Cash Advance Rate Fees NOlllinsl Annual Percentage Rate ANNUAL PERCENTAGE RATE AVerage Daily Balance Daily per-iodic Rate Days In Cycle PURCHASES CASH ADVANCES $2,766.8& 4:0.00 .05070X .05480~ 31 31 t43.49 to.OO to.oo to.Oo 18.4'" 19.99% 18.490% 19.990;;:: 010271 1 16 Pa". 1 of 2 D G STHTS1 Account Information Account Number New Balance PaYment Requested By 5480-4200-0806-9561 $2,815.51 05/11/03 AMount Past Due Minimum Pay.ent Due 4:2&5.00 n12.00 Make checks payable to HOUSEHOLD CREDIT SERVICES. Pi_ase write your account number on your check. Do not fold, staple or clip. Do not send cash. Please send your payment 7 days prior to the payment requested by date to ensure tiMely delivery. Allount Enclosed JANET '" HOCK. 22 SCRAFFORD ST SHIPPENSBURG PA 11257-7257 HOUSEHOLD CREDIT SERVICES P.O. lOX 17051 BALTIMORE MO 21297-1051 54804200080~95670D031200002815313 === - - === """'" === """'" .;;;;;; ;;;;;;;;;;; --- ~ - - - JANET H HOCK Account Number: 5480-4200-0806-9567 Important Information Your account has been placed with a collection agency. Please contact them directlY, or call us at 1-800-388-5333. 010271 I 16 Pagll 2 of 2 D G 5TNT57 Account Information Account Number New )slanco Payment Requested Jy 5480-4200-0806-9567 n,81.5.51 05/11/03 A.ount Past Due MiniMum Payment Due "265.00 UI2.DO Make checks payable to HOUSEHOLD CREDIT SERVICES Please writ. your account number on your check. Do not fold, staple or clip. Do not send cash. Please send your paY..nt 7 days prior to the paYMent requested by date to .nsure ti.ely delivery. Alllount Enclosed JANET M HOCK 22 SCRAFFORD ST SHIPPENSJURG PA 17257-7257 HOUSEHOLD CREDIT SERVICES P.O. BOX 17051 BALTIMORE HD 21297-1051 648042000806956700031200002815313 .. ~ I ~ (:J .{Q B p lft c r-' 0 C__J ~ C c::":-':' -n ~ U"1, <;.:1"'\ .-1 C_ :\~ -n r-'-- n1 lI( i- {'.., ........ - C)r 0 Q-- C> 0- \I" ~ -to} \I" -.:.~ ~ ( ..c:.. C___ C.) --() J ) 0 -, r0 GORDON & WEINBERG, P.C. BY: FREDERIC 1. WEINBERG Identification No. 41360 21 S. 21 ST Street Philadelphia, P A 19103 (215) 988-9600 Attorney for Plaintiff ATLANTIC CREDIT & FINANCE, INC. ASSIGNEE TO HOUSEHOLD BANK : COURT OF COMMON PLEAS : CUMBERLAND COUNTY vs. : NO. 05-3686 Civil Term JANET M. HOCK JUDGMENT BY AGREEMENT AND NOW, this ~ day of Il( ,2005, it is hereby stipulated and agreed to by and between JANET M. HOCK, HER SUCCESSORS AND ASSIGNS and FREDERIC I. WEINBERG, Esquire, counsel for ATLANTIC CREDIT & FINANCE, INC. ASSIGNEE TO HOUSEHOLD BANK that the Court enter a determination in the above-captioned case as follows: I. Judgment shall be entered in the amount of TWO THOUSAND NINE HUNDRED FORTY SEVEN AND TWENTY TWO CENTS ($2,947.22) in favor of ATLANTIC CREDIT & FINANCE, INC. ASSIGNEE TO HOUSEHOLD BANK and against JANET M. HOCK, HER SUCCESSORS AND ASSIGNS; 2. Plaintiff, ATLANTIC CREDIT & FINANCE, INC. ASSIGNEE TO HOUSEHOLD BANK, will agree to accept the sum of$122.81 per month from JANET M. HOCK, HER SUCCESSORS AND ASSIGNS. The first payment of$122.81 per month shall Ii become due and payable on August 10, 2005 and then on the tenth of every month thereafter until the Stipulated Judgment is paid in full; 3. In the event that JANET M. HOCK, HER SUCCESSORS AND ASSIGNS do not make payments as prescribed in paragraph 2, they will be considered in default and the Plaintiff, ATLANTIC CREDIT & FINANCE, INC. ASSIGNEE TO HOUSEHOLD BANK shall be allowed to exercise any and all remedies available at law. 4. The Parties to this action have authorized their respective counsel and agent to enter into this agreement on their behalf and by doing so this agreement will be binding on both JANET M. HOCK, HER SUCCESSORS AND ASSIGNS and ATLANTIC CREDIT & FINANCE, INC. ASSIGNEE TO HOUSEHOLD BANK, ITS SUCCESSORS AND ASSIGNS. Date: 8' - d-() S- J-~ . /Y7 db lJ(NET M. HOCK Defendant Date: 5" /);/ () }' BY THE COURT: J. ~ .tQ. -:-G ~~ 8; -cJ -- - -- P- ~ ~ ..i ~ ....:? (;....> b - ~ ---t -q;"I". tn _/~:: ,..-.- ..:::- ~:~~., y -,' 3. > Q ~ -,. ~ i,.", 7- 0'1";, e;;: ."("4 tn -\1''"t -.,') ') '" ~ -,:1 (.'~" ("'oJ . _>~;")~ -"'0-, 'q ;:?'~ -;<. :r; ~ is .' ~ ""t7\J, \:).\-\ --- cP --------- SHERIFF'S RETURN - REGULAR CASE NO: 2005-03686 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ATLANTIC CREDIT & FINANCE INC VS HOCK JANET M BRYAN WARD Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon HOCK JANET M the DEFENDANT , at 0014:37 HOURS, on the 27th day of July , 2005 at 22 SCRAFFORD ST SHIPPENSBURG, PA 17257 by handing to JANET M. HOCK 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 18.00 16.00 .00 10.00 .00 44.00 So Answers: ~~~i R. Thomas Kline 07/29/2005 GORDON & WEINBERG Sworn and Subscribed to before By: ~~sk!:;} me this /t1# day of