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Home My WebLink About05-3984 " Richard M. Bassett Jr., Esq. Warren & Vullings, LLP 1603 Rhawn Street Philadelphia, P A 19111 215-745-9800 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COMMONWEALTH FINANCIAL SYSTEMS, INC as assignee of CITIBANK and FIRST USA CREDIT 120 North Keyser Avenue Scranton, PA 18504 No. OS- - JCY>J ~~(H-L~~ v. DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 CIVIL ACTION COMPLAINT CONTRACT MATTER NOTICE You have been sued in court. If you wish to detend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notk-e are served by entering a written appearance personally or be attorney and tlling in writing with the court your de- denses or objections to the claims set forth against YOll. You warned that if you fail to do so the case may proceed without you and ajudgmcnt may be entered against YOll by the court without further notice tor any money claimed in the complaint or for any other claim or relief requested by the plaintiff. YOLl 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 CAN NOT AFFORD ONE GOT TO OR TELEPHONE mE OFFICE SET FORTH BELOW TO FINO O\lT WHFRE YOU CAN GET LEGAL HELP. Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas cn 1as paglnas siquicntes, usted tien veinte (20) dias de plaza al patir de ]a techa de la demada y la notificacion. Ha\;e falta asentar una comparcncia escrita 0 en persona 0 con un abogado y enteregar a la corte en forma escriti sus defenses 0 sus objeci- ones a 1as demandas en contra de su personal. See avisado que SI usted no se defiencde, la corte tomara medidas y puede continuar la demanda en contra suya sin previa aviso 0 notiticat caeion. Ademas, la corte y pueda decidir a favor de] deman dante y requiere que usted cump\a con todas las provisiones de esta demands. Usted puede perder dinero 0 5US propiedades u otros derechos importantes para usted. LLEVE EST A DEMANDA A UN ABORGAOO IMMEOlA T A MENTE. SI NO TIENE ABOGADO 0 SI NO T1ENE EL DIN PERSONA 0 LLAME POR TELEFONO A LA OFlCINA CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUlR AS[STENCIA LEGAL Cumberland County l3ar Association LRS 32 South Bedford Street Carlisk, PA 17013 717-249-3166 Richard M. Bassett Jr.. ESQ. Warren & Vullings, LLP 1603 Rhawn Street Philadelphia, PA 19111 215-745-9800 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION COMMONWEALTH FINANCIAL SYSTEMS, INC as assignee of CITIBANK and FIRST USA CREDIT 120 North Keyser Avenue Scranton, PA 18504 No. O(f- 39/'''I C;..;..1 -r~ v. DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 CIVIL ACTION COMPLAINT CONTRACT MATTER 1. The Plaintiff, Commonwealth Financial Systems, Inc. is a Pennsylvania Corporation with it headquarters at 120 North Keyser Street, City of Scranton, Commonwealth of Pennsylvania. 2. The Defendant, Devin B. Smith is an adult individual residing at 533 North 2nd Street, City of Lemoyne, County of Cumberland, and Commonwealth of Pennsylvania. 3. At all times relevant herein, the PlaintitIwas engaged in the business of debt purchase illld collection. 4. On or about, September 18,2004 the Plaintiff was assigned all rights to certain credit card accounts from First USA Credit, including the accounts opened by Defendant. (See copy of assignment attached hereto as Exhibit "A".) 5. On or about, July 26, 2004 the Plaintiff was assigned all rights to certain credit card accounts from Citibank Credit, including the account opened by Defendant. (See copy of assignment attached hereto as Exhibit "B".) 6. On or about December I, 1999 the Defendant opened and used the credit card account from First USA Credit. See copy of card holder agreement attached as Exhibit C. 7. On or about September 22, 1996 the Defendant opened and used the credit card account from Citibank. Credit. See copy of card holder agreement attached as Exhibit D. 7. The Defendilllt used the accounts for the intended purpose, illld made purchases with the cards. 8. The Defendilllt has failed and refused to make payment on the accounts. 9. The Defendant's last payment on the First USA account was made on July 30,2003. 10. The Defendant's last payment on the Citibank Credit account was made on March 12, 2002. 11. The total balilllce at the time of the last payment on the First USA account was $7,932.90. 12. The total balance at the time of the last payment on the Citibank Credit account was $17,074.52. 13. Pursuant to the account agreement, any unpaid balance accrues interest at the rate of 17.9%, however, Plaintiff seeks interest only at the legal rate of 6%. 14. Interest from the date ofthe last payment on the First USA account equals $436.31. 15. Interest from the date of the last payment on the Citibank Credit account equals $939.10. 16. The total mnount due illld owing the Plaintiff is $26,382.83. WHEREFORE, Plaintiff requests judgment in the amount of$26,382.83 plus costs of suit. By: Ric ard M. Bassett Jr., Esq. SUBSTITUTED VERIFICATION 1, Richard M. Bassett Jr., Esq. attorney of the Plaintiff, Commonwealth Financial Systems, Inc., am fully familiar with facts ofthe above case illld have been duly authorized to execute this verification on behalf of Plaintiff I verify that the allegations contained are true illld correct to the best of my knowledge, knowing that any false statements are punishable by law pursuant to 18 Pa.C.S.A. 4904. It~~~ EXHIBIT D AFFIDAVIT State of Pennsylvania County of Cumberlillld Name: Devin B Smith Account No: 5424180505150026 Social Security No: 197-66-3504 Michael Chiodo, being sworn, deposes and says that the affiant making this affidavit is an employee of NCO Portfolio Management, Inc; it's Subsidiaries and Affiliates, (the "CompilllY"), which is located at 507 Prudential Road, Horshmn, PA 19044. The affiilllt is authorized to make the statements illld representations herein. The CompilllY's business records show that as of July 19, 2004, there was due illld payable from Account # 5424180505150026 the mnount of $10,414.38. The CompilllY's business records show that this Account was opened on 12/111999. The affiilllt states that to the best of affiilllt's knowledge, information illld belief there are no uncredited payments against the said debt. Dated this 24th day of September, 2004 NCO Portfolio Milllagement, Inc; its Subsidiaries illld Affiliates BY:~ ~ Printed Nmne: Michael Chiodo Subscribed to illld sworn to before me this 24th day of September, 2004. Notarial Seal U Mary Ann Armstrong, Notary Public pper Dub!ln ,Twp., Montgomery CO\I'Itv My Commission E~~~ay 21, 2001 ~ Q...QI1 .*W 15571 Lj 0 /SIIoO EXHIBIT 2 BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT THIS BILL OF SALE, ASSIGNMENT AND ASSUMPTION AGREEMENT is dated as of July 19, 2004 between NCOP Capital, Inc., located at 3763 Howard Hughes Parkway, Suite 170, Las Vegas, NY 89109 ("Seller") and Commonwealth Financial Systems, Inc., a Pennsylvania corporation, lo-cated at 120 North Keyser Avenue, Scranton, P A 18504 ("Buyer"). For value received and subject to the terms and conditions of the Purchase and Sale Agreement dated July 19, 2004, between Buyer and the Seller (the "Agreement"), the Seller does hereby transfer, sell, assign, convey, grilllt, bargain, set over illld deliver to Buyer, and to Buyer's successors illld assigns, the Accounts described in Section 1.2 of the Agreement. This Bill of Sale, Assignment and Assumption Agreement is executed without recourse and without representations or warrilllties including, without limitation, warranties as to collectibility except for those contained in the Purchase illld Sale Agreement. By: NCOP Capital, Inc. / By~lJlt~{V7f (Signature) N John Kotula Nmne: Michael B.Meringolo Tit e: President Title: Senior Vice President - - ncapcapcbsdQ304.doc 18 uniFund Unifund CCR Partners BILL OF SALE Unifund CCR Partners, for value received and in accordance with the terms of the Accounts Receivable Purchase Agreement by and among Unifund CCR Partners and Commonwealth Financial Systems, Inc. ("Purchaser"), dated as of September 13, 2004 (the "Agreement"), does hereby sell, assign and transfer to Purchaser all of its good and marketable title, free and clean of all liens, claims and encumbrances in and to the Accounts listed in the Account Schedule attached as Appendix A to the Agreement, without recourse and without representation or walTanty of collectibility, or otherwise, except to th~ extent stated in the Agreement. c' cf :'\. ~ . .' \ Executed on (Ji2V1i:.\~\i\zr,r(;S \ d.C UNIFUND CCR PARTNERS By Credit Card Receivables Fund, Inc. Its General Partner By \ C"~ David Rosenberg President For Unifund Use ONLY 15 Clien t ~ PID cro # "'W"-1;.. 4P~'fR%.~ ~1 11 ;i ....... :,.:2/ : y: :.} {t~~. 0' -:.1: .,,::; . ~~~ . ft:j~0~ ~11:(?" ,17I~h, i".t>q':i$'3 'f ~f;'~ "" rlifj"tc; . ~~),. ~.""". .~:>:'*.f' ~~~<~ ~7'. ~1;!?;~~ ffZ.~1,}}, ~~~. NOllly Us In Cal!.'l 01 E/TOrlI or Qutl:l'lllon:l'l Aboul Your BUI_ II you U'llr'1K your cl"ing s.\alemenl IS wrong. 01 it yt:Iu need ffiO(O iolcrmati()n aboul allansaClloo on your bIlling stalement, Wllte to Ul!. (or.;; s,e.parillll snoJ81) ill Il'la aoOress snown on the trom 0/ your bIllIng sullemenl. Wnla 10 us as soon as possiblti/. 'N" Tn....SI haar trom you no laltlf fh,an OIl days anar WOs.Bntyou ltliltirsllJllhng Slalemllnl on whu:nthli 611'\)!OIPfotJll:H'J'l appaarlll<l. You can lelephone us. bUI (10'"9 so will 1'101 p.eserve ytlur !igllls. \n yourlener, giv6US me !allOWIng infOlmation: . YCNr r-.ame. and i1CCOUOl numOar . 11\8 dollar ;mIounl 30M Cilia 01 \he suspecl&<l Olror, . DoscriOe lhe E1ITC' aM e':plain. II you t.afi. WfTy you :>eli_ lnata is an error. II you need more Illtormatlon. deSCribe th'" nam you are 1'101 SoUle abo<.ll. . Please sign youl laner. Your Rlghls snd Our Reaponalbllllles An.r We Aeclll.... Your Wrttt.en NQtlClI. W13 muS\ acxnowle<lge your lener wilnin 3D days, unless we have corrltCl~ 'Ihe error by rhan. Will1in 90 days.....o. musl ~\ne.1 ton~ Ihe ftITOl Or explam why we believe your billing Slalemenl was corract. Aller ...e rec:et.e your \QIl.er, we cannol Iry 10 cOllecl any amount y()U Question, or report your account as detinQuent We can CO!1linU6 1.0 ct'\~r99 yell let 1"1.1 amoonl you ql,lesliol"l, including linance charges, and we can apply any unp.a.id e.mount agaiMI 'jOu( cr8'dil Ilmll. -"'01.1 do not have 10 pay any Queslloned amounl wl'llle we are invesligaling, but you B.fa still ObllIJii!.l&d 10 pay 1"11 pans 01 your oalance lhal are nOI in QueSlion. Il we lina Inal we made a mIstake on yOut billing Slalem8l'll, yP'tJ ......U nOI have \e. Port any iinarlC:e Cl'Iarges related 10 any qUilslion&d amount If Y"6 didn't make a miSlake, you may have 10 pay linaf\C& cnalges, ano you win nave 10 make up ally missed payments on Ihe questioned amount In eitJ'ler casa, we -..rill "$ellO you a Sla.lemem 01 the amounl you Owe ana 1he dale illS due. U 'jOl.llaillO pay 1M amount ltIal we mink you owe, _ may rllpOl1 you as delinquent. HoweY80r, it our ex.j)lanatlon does. (10\ $i!o\isly you and you w(lle 10 us within 2S days telli(lg us thaI }/tlu slill refuse to pay, 'oW must report that you alll llisputing YOUI balance. And, we musllell you the name and add;ess 01 anyone 10 whom ....e fll9'JC'\ed 'leur accO\lfI\ inlormaflOll. We must tell anyone 10 whom we leport lhat Ine maner has been sanlad bBf'Na&l'I us when 1\ is. Iinally sellled. 11 we oon'llollow lhese ruJes, Wfl Can'l collecl1he lirsl SSO ollhll questioned amount. il'>'en iI YOUf blUing s.til\llmenl was COllect. Sp$'Clal Rul.. tar Credll CArd PUfchIlUl_, II you have a problem WlJh lhe quahry of propeny or sarvic:es that)'fJu purchased .,....,lh a Credil card. and you have lried in gOOd hUth 10 currectlt'la prOblem with Iha m6fc:hant. you may have Ins right nOI to p.a.y Ihei remaining amourll due an the prOperty or services. There are two limilalianS on !his right: . You must havo made the purchase in your nome slalo or, it nOl within your home slilllfl. wllh'ln lOll miles ot your current address; and . TN! purchase prica mus1 have Dean m()fe than S50, These Urrillatic;ms do 1\0\ .apply il we own or operale tne merchant, or il Wit mailed you [h9 aa'\lerlisement for the property or seNices. A claim unGer \1'\\$ spacial (ule may (lot e.Ceed lI'Ie amOl,lnt aClually billed Jo YOl,lr accounl and aoes. not apply \0 pulcha:.es mada outSIde Ihe UnileO Stales. cmBAN<c' C 1996 C)libank (SOUlh Dakolal. N.A. Member FDIC 3358128/8049490 Rev. 9/96 Pr.7/97 GIP . CITIBANK CARD AGREEMENT This Agl&flmenl and 1110 \oloer coOlaming thll care are l"lIr Cil.bank Card Agraameflt. The /oldel canlain5 imponal\\ act:e\lf>1 ,nlorrnallorl. lr>Clwmg lI'l1l annual percentago Nile and an InolcallOn whelner tnere IS a memMfSh'l1 \ao0. PIllas. raad and ll.aep bOlh rhe foIoer and mis Agre-emant/or youl rllCO!1lS, To simpM'y \1'>e leSl oj Ih,S Agl~menllor you)/'Ie !Ollowlng aetinlllons WIU apply. The WOlds, you, l'1'ur. and yours meal' \l"Ill peroon rflspon.sl~e lor lI"ll'S Agreement, 10 wnom we direcl trle bIlling slatement. The woro Cilrd means OI\a or more cards wheh we /'lave issueQ wilh yOUl account numoer, The words, we, lJ5. and our mElan Cilitlal'l\l. ISculf\ Da\o.o1al. 1>l.A. The worOS Cilibank checks lTlE!an one or more Chedts thaI we mdY ~lrOVlae to accl:l$S your C',libanK caro account. This Agreement is brnoi(lg on you IJflles..5 you cancet your accoul\\ wilhin'3Q d.ays a"ar recltlvlng the card aM you nave nOt used or aulhorh:ed use 01 your account. Credit Line: Your iOlliel crEKIilline appaars on lhfl bloer corrlalnln';! lhjJ cafd.. A por1\Of\ 01 your credit line. called 1M cash aav.mco limit. is avalla0j6 Jar casn aavance$. At aUf dis.cl'1llion and 81 aTri lime we may Change YOUI cradlr lInt! or Cilsn advanca timit. We will nollty you if we 00, E111f'1111 or m.a.d or \f\I'3Ugl'\ INl tlllllng statement. You maV request a change to your cre!lll line or casn dOY<1MCIl timn by caota.c1if19 CUSIOlTler SafYICa by lelephone or mall. Using Your Account: The card muS\ be sign~ \0 be used. The full aml)l.Inl 01 your Cr!lOll hne IS avaitablo to Puy or lease goods or SONlcaS whe.evotf It\e (.arc ':5. hofIOle<\. Your ca$ll advance limil is available tor cash ill any Dank or aulomaled teUe. machine lha\ acUlplS lhe card or by us, 01 Cillban~ cnedf.s. The total amount CharglKl on your account iodud~ pu~asas, CAsh aavances, tioanes Ctlarges, IllIls. or oll1er c:I1alges, must always lernall'l Delow your Cfll"1l( Iinoe. AddItional Cards: You may request additional C3rUli on your ao::ount fOI VOU~1 Q( ottlel1l and you may permil anoll'l6r person 10 haw acx:es.s 10 me card or accounr numQef. Howe\fIQf. iI y<l\.l do, you are liable 101 all cl:larges made try those persons. YOtl mus! nOlify tiS JO rlJYQke permission lor any pemon 'fGll ~Iy auU"lo<'Ued to use your aceounl. If you lell US 10 rllYOke anorner person's uS;!! 01 yoor acx:ounl, 'He may close the aa:ounl and issue a ne... card or catas w'U"I a diffelonl ac:count number. You are resporWble torfhe use 01 each call) Issued on your account ar::c~lIding 10 Ihe lerms of 1t'IlS Agreement. . Membership Fee: The lotder containing Iha card indicales wnett'ler )OUr accounl is sublact to a membership lee. If ;1 is, the lell is aCded to lha purChase t1alallCe and is non.relundable unless you notify us LQ Ci!o!'ICal youl aCCOUnl wllhin JO dayS Irom the maiting date ollhe billing Slalemafll on wnlCh the lee IS olilecl, siliing: Eacn manll'l """ will send you a billing statamanl if tMra is activH'f on: 'fOUl' account. Il shows the b;tJanca, any finance chafgll~. lees. !nil minImum paymanl, and Ihe payment Oue dale. \I also shows youl currenl crflOlt line and cash advance limit. an itemized ijsl 01 current cnarge~ Cllll:1anK ched<.s. paymenls and credils, a summary sho.....ing saparalely lne pl.lrCnaS8 and ca.sn advance balances, linanc& char!;le"$ on lIacn balance, ana olher Importanl jnformation. You mUS1 notify 1.1$ of ,a 'change in >yOUr aoo(ess t:y C~laC1lf19 Cuslomllr Service tly telephone Of mail, We Wltl mail or deliver Ihe Dilling ~~n\ \0 on\y Me maIling address.. .,: PC; -. , -.:..-. .~-- ~::..~~'; ~~~:f;' ",~~~.'" .- .~ \(\~ I(o::n- Haw We Determine the Balance: T(I~ mta.\ w:s1<lna'llg balance (lna ",moun! you owe US) appeal) as me -New 5a1il1'.C;.e- on Ihe tuUn'lg Sl.,nement To delermml! tru: N~ 5alance. we l>egln ",11'1 me l)uIS1<llld,ng Cillance on '(OVI .;.ceoum at 1M O'agmnmg 01 each billing ~"OO. :::.aneo me -PreviOus Balance- on :r.e Ql(lll'g Slalemenr. We ada any p...rd'las.es ana casn aavances ano suhUilCl a.fI~ paymen'lS and creclits tnat ...e receive W~ rnen aaa me aDplop',ate t,nanee Cf'Iiiuges. lees and othelr aop,.c.acoe aOlu51meflls Annual Percentage Rate for Purchases and Cash Advances: YOur ANNUAL. PERCENTAGE RATE al)O me torres-pandlng monthly ana cally pencalC rales appeal on me IOKl<:r CDnUl,n,ng 1/)6 card. The monthly peOOOIC rolle IS lI'le ap-plicaole annual pl'fl::enlage rate divloed by 12. The aaily penoolC nHe is IIle annual percel'\(age r.l.\e owioEld Oy 365. The IInnual perc~ntage rale may De \lanaOle_ Whether or tlOllhe "'lle "arles is indicaled Dt'Ilne foloer c.::lnla,nlngltHIc.a.rd. Variable Annual Percentag~ Rate for Purchases and Cash Advances: H}QlJr ac.counl has a vanable ANNUAL PERCENTAGE RATE, w~ ca.k:1,olale me r.ue rJy aaCll.f\g It\ll hxee petcemage amollnllnal apP6ars on lhe 10lOer c;onla.n,ng lh~ cald It! Ihe U.S. Pr1J'lle Rale publlstled in The Willi S/(&81 JQlJrn,llon 1/'11111\110 T.....saay 01 ,,^a/Cll. Jun~. Septemt:ler. and 09Cemhal 01 'Hlt:n ytl'" II In.. ltwo l\ffl&!ily " a 1'101I<:l"y. WII ....,11 USII 1"& Prlm~ RaUl puc..hshea the oed aay. II mc<e than one Prime ROlle IS puolisnea. .....e ma'Y cnOQu Il'1e "'gnest rate_ II Tha Wall Streel journal ceases puhlic.ahon or to puDltsn 1M Pnme Rate.....<1: may usa tile Prime Flala puOlishe<l in a"'f other r>(twspa.pe1 or gttnera.( ClrC'.ll~bPn. or we mOlY SUbslllule e similar lele/enell /ille alourWleOISCrellon. Any .l\Cfea$& cr llet:tllaS6 In trle varia~e annuar percentagEl rale lakes lltte<:t on \l\oil "1"51 Ga)' 0\ \he DillIng PElriOCl airectly lollowing 1M rnan\h," whict1 we cakuLate lNt rate. Eacn lime II"e VilflaDle annual percentage rale changes, we .....'11 apPly 1i 1D allY l!xlsung pu/enase and cash aovaoce Oalaf\C9S, suoj1lct \0 any IOlICOUClory or promallemal rale oller Inal may appl~. Tile annual percel1\age tate In eMecl ana any sUDseQuenl Changes to il will app1l8r on lhe oll\\f\g Slatement An incraasa III Ihe "anabJe annual per<:enlag& rale means you WI" pay a nigher 'inance charge and pemaps it Nghl:tf minimum pa)'ment. II you tail to meel rhe requiremenls ot thIs' or any Olller Girioank Card 1 Agreement, we may immec1'il.leI)I increase Ihe vaflable ANNUAL PERCENTAGE RATe. 11l1C.1\Joing any introductory rale or promolional rale.l on a"'l elusltng purcha~e al'ltl cash advance balances 10 a higher rale ot 129"'. plus Ihe p~ Rate OlS oetermined abOve. This hiOher rale ...ill nOI be Io....e( marl 19,6.... Your 'accovnl may be ehglDle lor lhlllowllrvariab!e anl'lUal ~Icantage rall! on n_ purchas.e~ and casn aO'larlClls atlllr you I'1.a.Ii. mel lhe t6rm$ ot ""~ al'lO all)' Olher Cmbank Card Agreemenr lor six monthll.. Introductory and Promotional Rate Offers: AI our OI$C:rello<'l. ...e may attar you an inrrOlluClory annual percentage rale lor al! or a pan. of Il'Ie pllfl::hase anwor cash aavanc.e balances, The period ot lIme lat v.t\lC1l \lIe in1TOOuC'lory ratl! applies may be llmllea. Any in(roductcry rale. th.e CQrfespoMm9 periodic (aleS. a(lc 1M penod at lime during ~hich il IS In ettecl w,lI ~pPeal on tile lolael COnlalnlng the card. We may also otler y(N a 9romt)honal annual percenlage Illle 10 encourage specllic transactIons. suC/l as lrans;smng bal3flCas tram accOunls you halie wlltl Oltl&l CI&di1 card ISS\JI!.fS_ A.rty mlfDOuCtory or promohonal rale oNer will be SullIed \0 1he terms . ofll'leollel anCl 1l11s Agre;:tmenl. Finance Charges on Purchases: 'Ne 'fO'11 ct>Ol.ge a lInance c:narge lor purchases II 'You did nOI pay Il'Ie 100al New Sa:arlce lisleo an lhe ~i;S\ DIllin!;; Slatemenl in lull t:y me paymenl Que Clalll aslcllows: - ,we "Iilrt WIll> me PrWIO\Js Balilnce on purChases ill :t\e l)~!f1n'lng 0' the bill'lI9 !)e-nOd. For linance enalgl! calculation purpos\ils,. Ih& 01nlng p.lIIO<! tlegms an l11e S;alemilllllCloslng Dale IISI~ on 1M pr9'o'lou$ ollllng stalemanl al\\l \fanes 'Nlltl lhElllumbllr at oays In Inl! bIlling Pf'noa . On eaCh Oa~ 01 Ihe oining ;:JEl.riad we sllbllact pa~ments, aOCl n9W purCtlase~ ana leeS. and make aOluSlT"n<l.I1ls.. il1,ll. O&18rmlr'leS a Oally balance_ UntOl.SS ...e el9C1 10 use a lalet (lare, we. adC a flew purchase 10 1116 balanc& as o! th6 Oi!.leollhepurCf1ase. - We total (till dally balances te~c8pllor Ihe balance onltla Slalflmanll ClOSing O;!.ta 1\S,led on me current billing slatamenll, aria lhan 01''''011 mal amaunt t:J~ 1M ournDttr of days in Ihe billing period. This delefm.nes lha a~e.('<I.ga d(!.ily ba.lance, whlcn is called !he "balance SUtl~Cl 10 Hnance cnalge" onltle tm~(lgslalemel1l. -We mulliply lhe balance subjecllo !inanee chelliS by Ihe <lPlllicaole montnly penoellc rale. The resullillg amounl ($ your FINANCE CHARGE on purChases -lIlhe purChase balance is s\J'O;ectlo more than one' rale (loll.l~3mp\a. baca\JsE! 01 purcl\aS1I5 mOlda dunng a plomolional or imrO<!uctOl) rOlle otter), ....e WIll separatel~ t:ll.ICula1e me balancll subject 10 'mance CI'\,J.lgll Oll'llllhe resul\lng hnaMC6 chafge n;; lhe same manner as dSll.cribed aQove FInance Charges an Cash Advances: We WIll cnarge 11 linance cllalge on Cilsh aovances 'rom Ihe Clay you take lhem unlilthe day we rBC.eilie, ~ymaF'l1 in lull as lollow:;; - We SIan: ...ilt1lha P'wiOUS Balance on cash aoYanC6S a.1 U"la b&glnning of Ihe bllhng perlOO. Fe! hnance enarge calculation purposes, the b~bn9 period begIns on It\e S\al&menVClosmg Dale lisled on lhe prEII/ious. bllling stalemenl andvanaswllhtha numoerol da~s In the olilln9 penod. . On &Olch day allhe billing peliod we subl,act paymefl1s. add new caSh ati\lilf'lCeS a.nd lees, and make aOjuslmemS.-. This. 08lermif'les a d'llly Oalance. Unless we elect 10 use a lalel dale. we add cash ad\'ilnces 10 the balance as o11hll' daylhey .!Ira raken. - We 10131lhe daily Oalances lellcepllor me balance on rhe SlalamenV Closing Dale lisled on It\e CUlleN bimng stalemel1t) and lhen diYida that amount by the numbel of days in the oihirlg period. This delermines. lhe a"llrage ,d<lil'Y balat1c'!. wl)ich is caned lhe"balance $ubjectlo 'inance chalgE'- on the bl~t(1giUalem@lnt. II W& muhiDiy lhe DaJance subjecllo linOlnCf:l charge \1f lhe applicable daily penodic rale and Inen mulllply Ihe resulting amnun\ by lhe (Iumoer 01 Oays in Ihe billing period. This (esulUng amount IS your FINANCE CHARGE on cash advanclils. _ It the CaSh advancs balance IS subl&CllO mOle lnall onfl rale (lor e~ample., tlecaUSEl 01 cas" advancas made during a promo banal or inlroaoClOry rale oNer), we,wiII ,separa~ely calc\Jlale tne balance subject 10 linanclI charge a.f\C\ the Itl'sul!lng 'mance ena.rge ill Ihe s.a.me manner as oescribed aJ;lov8, Cash Advance Transaction Fee: FaT eac/l casn ao...ance oblained at an aulomaled lener machine (ATMJ. Jhrough a Ciribank check. or aJ a linancial irtsllluhon lwilhoul uSlrIg an ATMl. ....11 w~r lIdd an additional fINANCe. CHARGE ol2.0~:' 01 me aOvaflCe, but nollllss Inan S2. We will add !lUs t&810 Ihe cash aClvancll balanCiI. The cash advancll l,ansaCllon lee ma~ COllJ&6 It'le annual PEJlCenlage rale on !he blUing slatemenl on whicn Ihe cash adliaf\Ce firsl appears 10 exr;eeglhe nomina! annual perCet1lBge 'alii. 2 Minimum Finance Charge: We assess a miJ\lmum FINANCE CHARGE 01 S.SO il your rinance chargB , lot ourCl1aslls or cash advancos i5 IIlSS man S.50. We aod lhe amounllO either It"le \l<.lfCtW,;~e Of .:ash aovanco oa-Ianca <II Our C:lIscrallon. CredIt Balance: You may !'lot ma\f\l1l.in 0 creon balance on your account in excess ot yeur asslgnfKl" c/llditlimll. WII .....III/elum 10 you aoy crWi\ amou1l1 tNer S 1.00 il the amounl has been on your accOunt longar Ihan thr&a monlhs. You may /EJqu'ilSI a 1&1\1(\0 01 a creail balance al any lime. We may IlIOuce !he amounl 0/ any crllO'l t1alance by lhe amount 01 new chil.rges p~lad 10 ~ur account. Security loteres1 for Secured Accounts: The folder containing lhe Q(O lf1Ijic;>"\lls il you/ accounl is a SltCUr&d accoUfll. It il IS, you hal/e g)llen us a secUrity Inlereslln a cenilicata of aeposit Of II s;!oVlfl9S account 10 seCurE! repayment 01 yellr account II you withdra..... your funds lrom lne cartilica\ll a( Qe?M1I Of savings accoum, .....e wilt close your cardilccount. Charges Made in Foreign Currencies: FOR VISA~ ACCOUNTS: IJ a Charge is incurred icI a romign G\lnency, Visa InlernaliO(lal wilt convert tt1e charge inlo .. U.S. oollar amount using ils mOSI r&Cenlly published procedures sellor1h in ItS Operaling Ragulalions in ettecJ al Il'lelime Ihs Transaction is process9d. CU<<6I\\l>;. lhose Regul;:ltions prOl/ida That 1M currency cOlll/ersion rate 10 be used is eilhar (1) a wtlOles.ale market rale Q( (2:1 1\ go'f&rnmenl.mandal!l<l rate ifl ellacl one day plior 10 Ihe proce,sing dRIll. increil>;lId by on inlernaOOl\UII8-\mbursamenl rale "In each case. Visa relains InlS inrernellOns.1 reimbursement rata as ccmp6nsalion !or pertQnlllog In& clJf1enc:y COflllars.on se(llice. The currency cOflllerslon rate in et/eel on lhe procassinq dale may dltlallrom the 'ala in eHflCl on Ihe trans.actiondale or lhe posling dale. FOR MASTERCARD. ACCOUNTS: II a charge)s incurred in a Ioleign currency, Mas.I"lrCarl3 Inlell..alional. Inc. will Wnven tne dlarge inlo a U.S. doaar amQUl11 using Us mosl recenlly published co~rsion prcc&Qules in effecl allhe lime the lransaction is processecl. Currenlty. Ihe ClJrrency conl/EltsiQn fats US&O 10 cfelermine lhe lransaction amount in U.S. dollar.; is eimar III a wholssale mar'otel rate or (2) a gCN~nment"mancale<l rala in alleel on8 day prior to lha pro.::essing aale, increased by one percenlln eacl\ caS6. MaSl8l'Card reTains lhis one pelcenr as compensalion ~r perlorming tha currency conversion SII.(II1C6., The Cull"lIm::y cO!Wars.on ralS in etlect on ThS processing dale may diNer !rom tns rata in etlect on me lransaction oate Gr tt\&pos.linll aale. Minimum Amount Due: Each manlh you must pay a. minimum amount lhal is 1M tOlal 011Wo ligures, The lirslls any previous amounl It'lat i~ Jl3sl O\la plus any amounl in e~cll:s.s of youl credit line. The second is lhe grealllr 01 1M amO\l(\t of yow bi!l&C1 lir.af)t.8 cnalges or ana oj the Iollowing: . The Ne.... Balance on the billing statement it il is less lhtln S50: <lr . SSO, it the N_ Balaf\CiI is a\ leaS1 SSO ;IInd I'lolgrealer than S2,400; or . IIlhe New Bala.n<:;e axc&eds S:2:.400, '148 01 lhe N8!I'I Baiance {rounded do....nIOlhenearesldollarj. , You must pay at leasllhe minimum amou/'l1 due each monlh, but you may pay m(lIe a1 any lime without II penallY. II 'lOll pay more tnan the minimum. \l<e .....ill allocalethe exces.s a.mounl 10 lhe pI.llchase or cash advance balance at our discrelion. The sooner you pay Ihe New Balance, lJ'\Illess yOlJ will pay in !inance CI1a(ges. We may also allow you 10 skip a paymenl. It we dO, we will nolify you on Ula b~ling Slalem&l'lt Il you choose 10 skip a payment wnen otlereel, .....e will conhnue 10 assess linance Charge!. Payments: Co nOl send cash paymenlS. We can accepllatlll or panial payments. as .....elt as paymenls mal (allQCI "!)aiQ in lull" or OIt1er reslrichve endorsements, 'MlnoulloJ;Jflg any 01 our, rights unQllr lrllS ..l,grllllmenL Ther~ may De J. de<.lV 01 up to III/Il cays In Cloomng a j:.ayml!nl II illS r.;cell/ea at an aCdless orn<1{ Inan Ine aaoress prol/lOtXl on trle 011lln9 statement. You m\.l:i\ ;:ay uS Ifl II S DOllars Ora.....n on Jund$ on oepoSltl11 the UnlleQ Sl<1Iti!S_ Howevef, we 'CS<!NIl Il'Ie nghl to accept pa'1ffi9-flIS maDe in Iorelgn currency. !I we QO. ......e w,lt chafge a currency COllller.;iDn lee DaS!l()" upon If\e COI1\f8'~lDn lales i!x,shng al 1I'Ie tlmeo! conversion. Over-the-Credit Line Fee: We Will aoa a S20 fee 10 the pufcnas.e llalance lor aact! bIlling pef>Od \11..1 me Na..... 6.a(at\Ce e:O;Cllecs jour credil line. Late Fee; We will 0.00 a S20 lee 10 thO purchase batance for oaGt! billing ~e"oo )'Ou tad 10 make the minimum payment t1'1 its QUI> oale. Returned Payment Fee: We .....ill aad a S20 loe 10 the pUlChaslI balance when a payment cned< or similar inslrumenl is not honored. whan _ muSI relurn il o~aus<! II cannOI be prDCessed. or .....hen an ilutomauc deOU.ls re-lumetl unpaid, Al our opllon. we will assess this llie me !ifsl lime)'OU1 cr.ecx is nOI honorea. IM!n if illS paid upon reStlbmission. C/tlbank Checks: Cilibank checks may De used to purcl'lll.se gooas and s-<lNi<:.ilS or \0 ,,01a1l\ casl'i up 10 the amoum 01 }'Qur available CBsn ealianc.. hmll unless lnat amoun! will cause U"lEl tlaIa.~& 10 allcettO your creOl1 line. We will treat Cilibank Cl'lecks as a casn advance and cnarge them aga\l1s1 your cas!) aDvancs limit Each CilitlanK ch&d<. must be In tne torm we have issuea ana musl be used aCCOfding 10 any insllUC\10ns we g've you. Citrban~ ;:l1eo<S may De used on~ by U"lB pelson wtlOse {lame IS pnnled on lhem. CillbM..... cheo<,S may nOI be used to pay any amount OWaclto us under rhis or any other Citibank Card ~~mtl!'l\. We will nOl cartlly any Cilibanll checlls. l'Ior Will we rlnUfn paid CiUoank ch&O<s. Returned Cltlbank Check Fee: We .....ill a.Od a siO IIJ'Q 10 lhe cash aOllar\ce balar.ce il we dWlne 10 honor a. Cilibank check. Among the (easans for our Ol!Clil'l8 are that the Cl'ledI. wOUld cause. 1M. balance 10 (Ucaed your cash ilavancelimit or creal! line. trial you are in delaulL tnat you did nOI com?!y will', our ins1ructiOlls regamtng !he chedt, !hal yout accounl has been Closed, or lhal Ihe card !\as ~f&d_ Stop Payment Fee: We will add a $20 lee to the cash aavanca Palance wl'len paymem 01 a Ci\ibank chadf. is SlOppllld al your request. You may stap paymll'nl on a Cilibank ched!: by nolitying U$ in ....ri\ing al P.O.13ox 0"500. Siou..: Foills. Souill Dakola 57117 or by calling uS ill tnll telspl'lol'le'numoer l1ste-d Of\!tIe DIl'llng Slalemenl. n you call. you musl confirm lhe call in wrillng .....rlhin 14 days. A .....rinen !iilop. payment f)foer w\\llenlAin 'In eltect tor six months unres.s renewedinwrilirlg. Once a Charge is made lhrough lI1e USIll 01 !he caro or il-CCoum rull'lcei we CannOl ~Slop paymenr" an the charge. It Il'lsre IS a dispule Ir7IIO","ing a cn.uge on your account. <;1\eaSlI Isler Ie Il1e section t1ntitted "What To 00 II There's An ErrOf In Your Bill: Lost O( Slolen Cards, Ac.count Numbers or embank Checks: It any card, accoUnl number or Cilrbank Ctleck is 10$1 or stOlen or 11 )"(Iu lhlnk som&one usad or may use them wilhoul your permisSion. noliI'( us al once b1 calling 1M lel&phone number shown on lhe boiling stalemenl or lhe numbar OOtainecl by calling toll./ree or iocal Qireclo()" ASSlSlance. We may require }'Qu . 5 10 prCNoOe Cena,n InlOrmatlOf1 in Wnl"'9 10 /lalp us r,nd out "'flal happenetl, Con'1 uS<! lhe card 01 1Tlt> C.tlbank C11edl.S aher ",e",8 O&en nOlil'ed, wtln i/ mey Me 10uM Of retUfl'lee. YQl.I may oe haOle lor unavtnorized usa at the c.a1O. tyJ nOI lor mole Ulan S5O. You ""ont OEl 1,;;.0Ie lor tJ'Iy unaulY\onzed purehas.as or casn aovances mace altel we'ye been nOld,e.:! at !tie loss or In9 men: hQwl!'ffl'{, yoo musl >OlN'lllty lor us lne c/'Iarges on !he oilling stalemenl mal were no! ma6e I:Jy '(OlJ, or SOrTIQ{\l'\il ihlll'lOn~1lQ tly you, and lrem wtI>Cfl yOJ I~ no beneJrt De1autt: You ant,n 6elaull if you fajl 10 pay ftle mln,mum paymentlisled on each rulhng SLa\0me<'1\ Of\ lune. me \or bankruplC,!. excetH:l your credit Jinlil wQ!lOUI our perml$.S>Ol'l, 01 deJautr on any olner Citlb&nlt Card ;'l]ret!menl, U you are in OelaUQ. _ may C10se yo<.Ir a.CCOl.Int and demanO Immediate paymll;n\ oC \rIe lull 0aIanC;e. II you have gl\rEln us a $e(:unlY InteraSl1n a $.<lvlngs accounl or cerofcue or OepOSfI. _ ~ use the OflpO!>1I amount 10 pay any a.mounl you owe us. Su! 01 course. yOU don'l wan! tfllS 10 happen. Call uS lirsl and leI us Il'1lohelp)'QU. "* Collection Costs: ~ -..e ~ 10 teler collectIOn 01 your account 10 a lawyer (who is nO! our 5<llarlfl(] ltmDlOyltElI, 10 llUl eAlml ~rm'l'IEla by law. you will/'lilve 10 pay our ~fll!1~~COl.J~LS.o!..a~~tees. Uwe soo.loccllec1. ana you WlrI, _ ""I) pay youTreasonme !&gal Jees and cou(\ COSlS, Customer Privacy: We \NIl) 001 .sell inlormauon aboL1f you or your aCCOufll lel non-Cilicafll compan~. On occa!5.lOn, l"oOwlNsr, we ....,It anow cerlain complinias lo affar speclaJly ~l&Ctea prOOUC1S and servICes 10 you l!\raugh \nemail 01 by 1&laphot'Ia. These companIes WIll nor be allowed 10 retain any in/ormation aDout yoo.I or yaur acc.ounl unless yotJ agree to purchase Iheir prOCluC! or MlrvlC&. II )'OLI 00 nol wanl to recei...e these otlers, "fnle or call us at t1'Ie aOClress or telephone ~rnber lisleo on the billing stalement Be sure \0 roU006 your name. aOdrllSS. and aCCOlJllt number, We will remind you OIl ~ once eacn )"liar 01 your light to b6 uclu~ !rom tTlese 0118rs. Telephone Monitoring: From lime to lime we may manilO! \~ephoM talls ragarding your account witn us 10 assure the quality afoor s&tvlCe, Information Reporting: We may r9pOn your perlormance under thIS Agreem&\1t Ie cfeail reponing a9ftOCies ""doolng your failure ta malta mInimum paymenlS on lime. A MgallVlt credl\ fElpon may signiflCatllly narm your ability 10 obtain crecit from OlMr SOun;as. W. may also obtain ftlUow.up credif leper1s on yO\! liar example. wh.., we review your accounl lor a credit line mcrease], We may e~d:\a.0c;)6 inlormal'Of'l atoul you or your aceoum Wlln our Citicorp affiliales, and out Cillcorp affiliates may parlorm c&rta~ CI,ISlOfT>el s.e",ice and payment proces.slflQ fullClJOn$ 101 your accolJnl. Olherw,se, no OIlll else will ~ gi'l'a" ll1IOfTl'labOn aOOvl your account wilhoul yoU! permIssion or proper legal autnomy. We ......11 try to /'I01dy you by telephone or by mall oj any legal process Mirved on us in order 10 9'YIl you an opponUnlly 10 object 10 it, \Jnlilss ltle \CfW p~menollCe. Correcting Your Credit Report: \1 you ltnnll _ leponea efTOr'MtOUs 'nfofTlla.hOn 10 a cr9Clil reponing aganc:v or Wlsn to learn ltle ('lames olthe ;J.96f'lCies we conraClsd. .....rite IJ.'I al !he aaaress Itsted on /l'Je b,llirog statamerll. We will prornp<<y ifl'l1'lSIi9a18 lhe maner, and If our '"""slIgahon shows you ara ngttl, we ....,11 conlact each creall rlfl?Ortrng a.9EK"C'f lC ",hOn'I _ 'sponad anO WIll r&quesl lhey COfTlI'C\ me ,apon, II WI! dlsagrae Wllt'I you atler OIJr IflYe$lIgallOn, _ woll \&II)'OY in ....riling Q/ by LDIephone ilfld IflStruct yOtJ how 10 submlJ a stalement 01 yOUt'poS.lliol\ \0. 6 Ihose agenCies. Your SI.uemenl will become a part o! YOUI crea'l! IBCQrd With lham, Closing Your Account: '(au may Close your account .11 any lime by nmityirlg us in .....nling. ~...r, you ramaln 19SPQf\SIQI(j \0 pay me '::lalance ao::o((llng 10 the tarms or Ihi~ AgrealTlent, We may close your account or SUs.pMO your ac.:::ourH pnvilages or Cnltlank checks at any lime wlthoul prior nolice. We may al!;.O '",i~e il dltlerent card, account f'>Umber, or dlnerellt ch6dc.s OIl any time, You musl lelurn the cara 01 Ihe Citlbiln~ chacks 10 us \iDOl'> '>>Quest. Refusal of the Card; We ara nOI responsible il we do not apprO\/e ill pl.llC7)as& Or C<lsh arN<lnce on your account, or i, a lI1ird parry ,eluses 10 accepl or /'lonQr If'\E& c;l.rd, &ffln il you ha"'6 SUl1icil'l{'ll, CfeOi\ availabl8. We may limil Ihe number 0/ purc/'1as.&;1 or cash aOvances whcn may be appfQ,<ed in one day. 11 we aet6C1 unusual 01 . suspiCIOUS aCllVlty on your accounl. we may temporanly suspena your cfl'ldil prw~\)es unlit we can ve"'1y !he actIVity. We mal' apprOve purChases or cash aavances whlCI'i wuss the balan.ca to exceed your cradilline wilnoul waiving any at our ngi11s unOer 11'115 Agreement. Changing thIs Agreement: We can change Ihis AgrEll,lmenl. including all 1003 al'\d lf10 a.nnual perCentage rala. Oil any llrne. However, illhe change will CilU$e a lee. rala Of mlnimum payment 10 incrllase. we will rl\ail:tou wriltan nOtice at ledSl 15 days balora the beginning oll/'le bdling patiOd In whiCh {he change \)ocornes at/aclive. JI you no n01 agree 10 the change. you must nolity us in wriling within 25 days allel Ihe eHecllve date altl\l'l Cha09a and pay us lite balance, eithlilr III onCII or undar lna lerms ot the unchanglXl AgreamElnl. O\t'>al'Nlse. the change in lhe notice IS binding on yaw. Use pI the card aller tha alfective dale 01 tha change snail be ~med aCCaplance at the new lerms, even if ltle 25 days have not expired. Delay in Enforcement: We may need lime 10 look into. certain matKlrs and can delay en/arcing our rignls under Ihls Agreement Wllhout lOSing marn. Applicable Law: . The lerrns and enlorcemenl 01 lhls Agreement shall 00 govafl'lad by li!derar law and 11'16 law 01 South Dakota, where we ars localed, For Further Information: Ca" us ilI\ the lalephone number shown on lhe Iron! of lhe billing sIal smartt You can also car! 10lHree or local Direr;\ory Ass',slanca to gel our teJephone number: :tL--1v Thomas W. Jones ?lI~sjoanl l\ ceo Cilibank (South Dakolaj, N.A, P.O.Bolf 6000 Sicult Falls. SO 571 t7 1996 Cilibank (South Dakota). N,A. What To Do If There's An Error In Your Bill, YOl,lr allllng RighI., Keep Thl_ Nollce For Future Uae. This notice contains imporlanl inlormalion eboUI your li~ts anQ our lI~spof'lsil)llJlies umiar the Fair Cred!l Billin\l Aet . 7' . -lQ.. t~,}. () CO" :"'''"\ () ..-\ <n -Y". p 1L !'1. t- In. :. )v 0 c' c - '" {"'- ~ ~ tf1 ,- (;J v - ~ :r::> t:- ---L. -- ---- - SHERIFF'S R~TURN - REGULAR CASE NO: 2005-03984 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND COMMONWEALTH FINANCIAL SYSTEMS VS SMITH DEVIN B SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SMITH DEVIN B the DEFENDANT , at 1655:00 HOURS, on the 25th day of August at 533 NORTH 2ND STREET , 2005 WORMLEYSBURG, PA 17043 by handing to DEVIN SMITH a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 12.80 .00 10.00 .00 40.80 -.;JP"'....c/.~> .... ",;.,/4 T ~";,/,,-,>:o;:~ ',-15:,::: .....~~::::...?::- A 7...--..,---.---.......-- R. Thomas Kline me this day of 08/29/2005 Warren & Vullings LLP By: ~~ ~ ;I Deputy Sheriff Sworn and Subscribed to before A.D. Richard M. Bassett Jr., Esq.(88646) Warren & Vullings, LLP 1603 Rhawn Street Philadelphia, PA 19] 11 215-745-9800 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COMMONWEALTH FINANCIAL SYSTEMS, INC. as assignee of CITIBANK and FIRST USA CREDIT 120 North Keyser Avenue Scranton, P A 18504 No. 05-3984 Civil Term vs. DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 PRAECIPE TO ENTER JUDGMENT TO THE PROTHONOTARY: Enter judgment in favor of Plaintiff, Commonwealth Financial Systems, Inc. and against Devin B. Smith, Defendant in the mnount of$26,382.83 in accordance with Pennsylvania Rules of Civil Procedure, for failing to Answer the Complaint or otherwise plead. Warren & Vullings, LLP BY~~ Ricllard M. Bassett Jr., Esq. 7 Richard M. Bassett Jr.. Esq.(88646) Warren & Vullings, LLP 1603 Rhawn Street Philadelphia, PA 19111 215-745-9800 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COMMONWEALTH FINANCIAL SYSTEMS, INC. as assignee of CITIBANK and FIRST USA CREDIT 120 North Keyser Avenue Scranton, PA 18504 No. 05-3984 Civil Term vs. DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 CERTIFICATION OF ADDRESS I, Richard M. Bassett Jr., Esq., am the attorney for the Plaintiff in the above case. I hereby certify that the above addresses are true illld correct to the best of my knowledge, information illld belief. Richard M. Bassett Jr.. Esq.(88646) Warren & Vullings, LLP 1603 Rhawn Street Philadelphia, P A 19111 215-745-9800 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COMMONWEALTH FINANCIAL SYSTEMS, INC. as assignee of CITIBANK and FIRST USA CREDIT 120 North Keyser Avenue Scranton, PA 18504 No. 05-3984 Civil Term vs. DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 AFFIDAVIT OF NON-MILITARY SERVICE The undersigned, being duly sworn, according to law, deposes and says that the Defendilllt, Devin B. Smith, is not in the Military or Naval Service of the United States or its Allies, or otherwise within the provisions of the Soldiers' illld Sailors' Civil Relief Act of Congress of 1940 as amended. That the Defendant is at least eighteen years of age illld has a primary place of business at the address indicated above. Date: October 7, 2005 ichard M. Bassett Jr., Esq. Attorney for Plaintiff Richard M. Bassett Jr.. Esq.(88646) Warren & Vullings, LLP 1603 Rhawn Street Philadelphia, P A 19111 215-745-9800 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COMMONWEALTH FINANCIAL SYSTEMS, INC. as assignee of CITIBANK and FIRST USA CREDIT 120 North Keyser Avenue Scranton, PA 18504 No. 05-3984 Civil Term vs. DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 CERTIFICATION OF MAILING I, Richard M. Bassett Jr., Esq., hereby certify that I caused a true illld correct copy of the attached Notice ofIntent to Take Default upon the defendilllt via regular mail, which mail was not returned. Date: October 10,2005 Richard M. Bassett Jr., Esq. (88646) Warren & Vullings, LLP 1603 Rhawn Street Philadelphia, PA 19111 215-745-9800 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COMMONWEALTH FINANCIAL SYSTEMS, INC as assignee of CITIBANK and FIRST USA CREDIT 120 North Keyser Avenue Scranton, PA 18504 v. No. 05-3984 Civil Term DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 IMPORTANT NOTICE To: DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO FILE AN ANSWER IN THIS CASE. UNLESS YOU TAKE ACTION WITHIN TEN (10) DAYS FROM THE DATE OF THIS NOTICE A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING. ANY YOU MAY LOSE YOUR RIGHT TO DEFEND AND THEREBY LOSE PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association LRS 32 South Bedford Street Carlisle, PA 17013 717-249-3166 Warren & Vullings, LLP Date: September 20, 2005 By: Richard M. Bassett Jr., E SHERIFF'S RETURN - REGULAR CASE NO: 2005-03984 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND COMMONWEALTH FINANCIAL SYSTEMS VS SMITH DEVIN B SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SMITH DEVIN B the DEFENDANT , at 1655:00 HOURS, on the 25th day of August , 2005 at 533 NORTH 2ND STREET WORMLEYSBURG, PA 17043 by handing to DEVIN SMITH a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 12.80 .00 10.00 .00 40.80 So Answers: -.1IP'-(,:;:~~.,.,;, h~:::r T .......~:~<"-:l'~.~:.:~_:,~(~C A"'.....tk' _ . ,,,/...~,,",.,.~~' R. Thomas Kline 08/29/2005 Sworn and Subscribed to before By: Warren & Vul1ings }&2Y"ihOd:; LLP me this day of A.D. Prothonotary (; AJ 0 .tQ. ~ li- t -:-a 0 D ,-' t'~' F - C:..' ::.) - ~ :;,:.:> c.r1 -n f'- - C" :? -.0 -.() ("'j ~ ~ --, n"l ~ ~ --.(~ U) ~ 00 c.J \,.0 Richard M. Bassett Jr., Esq.(88646) Warren & Vullings, LLP 1603 Rhawn Street Philadelphia, P A 19111 215-745-9800 Attorney for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COMMONWEALTH FINANCIAL SYSTEMS, INC. as assignee of CITIBANK and FIRST USA CREDIT 120 North Keyser Avenue Scranton, PA 18504 No. 05-3984 Civil Term vs. DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 TO: DEVIN B. SMITH 533 North 2nd Street Lemoyne, PA 17043 NOTICE PursUilllt to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgment has been entered against you in the above proceedings as indicated below. -EL- Judgment by Default Money Judgment Judgment in Replevin Judgment for Possession Judgment on A ward of Arbitration Judgment on Verdict Judgment on Court Findings IF YOU HAVE ANY QUESTIONS CONCERNING THIS NOTICE PLEASE CALL: Warren & Vullings, LLP, 215-745-9800. . Commonwealth Financial Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA VS Devin B. Smith Defendant NO. 05-3984 Civil Term PRAECIPE TO WITHDRAW JUDGMEMT Commonwealth Finilllcial hereby withdraws the judgment entered of record September 20, 2005 due to the filing ofa Chapter 7 Billlkruptcy petition, case #1-05-03354, by the Defendant Devin B. Smith / By: Attorney Basse ,Jr. 1603 Rhawn Street Philadelphia, P 19111 / '('..) (