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Home My WebLink About05-4291 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK, PLAINTIFF NO. 05" - -1J.1/ Cll.;~tr €fU1\ vs. CIVIL ACTION - LAW JAMES R. BUSH, DEFENDANT NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice is served, by entering a written appearance, personally of by attorney, and filing in waiting with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint, or document, or for any other claim or relief requested by the Plaintiff. You may lose money or property or other right 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 TO FIND OUT WHERE YOU CAN GET LEGAL HELP. NOTICIA Le han demandado a used en la corte. Si used quaere defenses de esas demandas expuestas en las paginas, siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la notifiation. Used debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones a last demandas en contra de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y psedido entrar una orden contra used sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Used puede perder dinero 0 sus propiedades 0 otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABADOAGO IMMEDIATAMENTE, SI NO TIENE ABOGADO 0 SI NO TIENEE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA o LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SU PUEDE CONDEGUIR ASSITANCIA LEGAL. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 (800) 990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK, PLAINTIFF NO. OS -I-.JJ..9j c.;o~L~~ vs. CIVIL ACTION - LAW JAMES R. BUSH, DEFENDANT COMPLAINT AND NOW, comes the Plaintiff, by and through its attorneys, and the law firm of Wolpoff & Abramson, L.L.P., and files the within Complaint and in support avers as follows: 1. Plaintiff, GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK, is a corporation doing business within the Commonwealth of Pennsylvania and the other states of the United States, with its principal offices located at P.O. Box 1651, Rockville, MD 20849. 2. Defendant, JAMES R. BUSH, is an adult individual with a last known address of 518 8th Street, New Cumberland, Cumberland County, PA 17070-1505. 3. It is averred that Defendant was issued an open-end credit account by Plaintiff's assignee. 4. At all relevant times material hereto, Defendant has been a regular user of said charge account for the purchase of products, goods andlor for obtaining services or funds. 5. Defendant has been provided with copies of the Statements of Account accurately showing all debits and credits for transactions on the aforementioned credit account. 6. Defendant did not object to the above-mentioned Statements of Account submitted by Plaintiff to Defendant. 7. That Defendant has made sporadic and irregular payments, if any, which have been appiied to the outstanding balance of this account. 8. As of the date of the within Complaint, the remaining balance due, owing and unpaid on Defendant's credit account, as a result of charges made by said Defendant and/or any authorized users is the sum of Three Thousand Three Hundred Seventy-One and 51/100 ($3,371.51) Dollars. 9. Despite reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 10. Pursuant to the Credit Agreement andlor applicable Pennsylvania law, any unpaid andlor delinquent balances on said account shall continue to bear interest at the rate of 18.00% percent. 11. The amount of interest which has accrued on the aforementioned account is the sum of Five Hundred and 46/100 ($500.46) Dollars. 12. Plaintiff has retained the services of the law firm of Wolpoff & Abramson, L.L.P. in the collection of the amount due from Defendant. 13. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Wolpoff & Abramson, L.L.P. in the collection of the collection of the amounts due from Defendant incident to the within action, the Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 14. The amount of attorney's fees incurred in this matter is the sum of Six Hundred Seventy-Four Dollars and 30/100 ($674.30) Dollars. 15. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 16. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK, respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, JAMES R. BUSH, in the amount of Three Thousand Three Hundred Seventy-One and 51/100 ($3,371.51) Dollars, plus interest at a rate of eighteen 18.00% percent in the amount of Five Hundred and 46/100 ($500.46) Dollars, plus reasonable attorney fees in the amount of Six Hundred Seventy-Four Dollars and 30/100 ($674.30) Dollars, plus costs of this action and such other relief as the Court deems proper and just. Respectfully submitted, (~ct-- Amy F. Doyle, Esquire ID No. 87062 Daniel F. Wolfson, Esquire ID No. 20617 Philip C. Warholic, Esquire ID No. 86341 Donald P. Shiffer, III Esquire ID No. 89451 Andrew C. Spears, Esquire ID No. 87737 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Road, 3rd Floor Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff VERIFICATION The undersigned hereby states that helshe is the attorney for the Plaintiff, GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK, who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of hislher knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subjeclto the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: "\ \ \'1\ oS- \ , ~~-- Amy F. Doyle, Esquire ID No. 87062 Daniel F. Wolfson, Esquire ID No. 20617 Philip C. Warholic, Esquire ID No. 86341 Donald P. Shiffer, III Esquire ID No. 89451 Andrew C. Spears, Esquire ID No. 87737 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Road, 3rd Floor Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff 0 4 ~ q, C(2 \ ~ 0. '3-- ::(-<1 7"-\l C. ),. ~ pip: "(::. cD G' ~n\~ , ,of) i ", \;J 1~~ -4) \) 'I"'" - '-':J (;;:)"'~ ~ (> ......... ;):.'(-n -V -'"" (2\ ~ ~ -- " yc .' ','2 ..c:: <..-' " ~ ~... t b +-- -t--- ~ Joseph K. Goldberg, Esquire 2080 Linglestown Road, Suite 106 Harrisburg,PA 17110 (717) 703.3600 jgoldberg@sshc-Iaw.com PA lD #46782 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK, NO. 05-4291 CIVIL TERM Plaintiff CIVIL ACTION - LAW v. JURY TRIAL DEMANDED JAMES R. BUSH, Defendant NOTICE TO PLEAD TO: Great Seneca Financial Corp. c/o Andrew C. Spear, EsquirelWolpoff & Abramson, LLP You are hereby notified to file a written response to the enclosed Preliminary Objection within twenty (20) days from service hereof or a judgment may be , Esquire 782 2080 Lingles n Road, Suite 106 Harrisburg, A 17110 (717)703-3600 Attorney for Defendant against you. Date: 9~/I.OS- Joseph K. Goldberg, Esquire 2080 Linglestown Road, Suite 106 Harrisburg, PA 17110 (717) 703-3600 jgoldberg@ssbc.law.com P A lD #46782 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK, NO. 05-4291 CIVIL TERM Plaintiff CIVIL ACTION - LAW v. JURY TRIAL DEMANDED JAMES R. BUSH, Defendant DEFENDANT'S PRELIMINARY OBJECTION TO COMPLAINT Pa. R.Civ. P. No. 1028(a)(2) - Failure to conform to rule of court AND NOW COMES the Defendant, James R. Bush, by and through his attorney, Joseph K. Goldberg, Esquire, who files this Preliminary Objection to the Plaintiff's Complaint, as follows: 1. In this matter, the Plaintiff is attempting to collect a debt it alleges the Defendant owed to a credit card issuing bank, which debt was subsequently purchased by the Plaintiff. 2. The Plaintiff previously sued the Defendant on this same alleged debt before Magisterial Judge Charles A. Clement, Jr., in Docket Number CV-0000202-05. On June 13, 2005, the Plaintiff's attorney appeared before Magisterial Judge Clement and informed the Court that the claim by the Plaintiff had been settled. Magisterial Judge Clement issued a Notice of SettlementlWithdrawal on June 13, 2005. Although no appeal of that determination was taken within thirty (30) days of its issuance, the Plaintiff filed this action for the same debt on August 22, 2005. 3. The Defendant was served with the Complaint in this case on September 2, 2005. 4. The Complaint states that it is based on a written agreement between the Plaintiff's predecessor and the Defendant, and/or written statements of account allegedly sent to the Defendant. 5. The Plaintiff failed to attach copies of any of those writings to its Complaint. 6. Pursuant to Pa. R.Civ. P. No. 1019(i), the Plaintiff is required to attach copies of such writings to the Complaint. 7. By failing to attach the copies of the writings upon which the Complaint is based, the Complaint does not comply with an express rule of court, in violation of Pa. R.Civ. P. No. 1028(a)(2). WHEREFORE, the Defendant demands that his Preliminary Objection be sustained, and the Plaintiff's Complaint be dismissed. Date: ?-/6-()J ~ CERTIFICATE OF SERVICE I, the undersigned, hereby certify that on the /blfday of ~ 2005, I served a copy of the foregoing Defendant's Preliminary Objection to Complaint, by first- class mail, postage prepaid, upon the following: Andrew C. Spears, Esquire Wolpoff & Abramson, LLP 4660 Trindle Road 3m Floor Camp Hill, PA 17011 Attorneys for Plaintiff ,..., ~ q co:> ~" ~ :1:::!:! if> ~ fl'tG "05; - '0 ...D (:) ::~j;\ -<l (')6 :> :?m ~ g 5; ..... ::.::. u:> LAW OFFlCES WOLPQFF & ABRAMSON, L.L.P. A'lTORNEYS IN THE PRACTICE OF DEBT CO~crION 4660 TRINDLE ROAD THIRD FLOOR CAMP Hill, PA 17011 717-303-6700 II IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK,: PLAINTIFF NO. 05-4291 vs. CNIL ACTION - LAW JAMES R. BUSH, DEFENDANT PLAINTIFF'S RESPONSE TO DEFENDANT'S PRELIMINARY OBJECTIONS AND NOW, TO WIT, this '}:), ^ day of September, 2005, comes the Plaintiff, Great Seneca Financial Corp., a Maryland Corporation, Assignee of Providian National Bank, by and through its attorneys, and the law firm of Wolpoff & Abramson, L.L.P., and files the following Response to Preliminary I, I' I I Obj ections as a statement herein: 1. Admitted. 2. Admitted in part, denied in part. It is admitted that an action on this account was initiated in the court of Magisterial Judge Charles A. Clement at Docket Number CV-0000202-05. It is specifically denied that Plaintiffs attorney had the action marked as settled. On the contrary, defendant appeared with a copy of a check from a refinancing, claiming that this account had been settled for the sum of Three Hundred Fifty and 00/100 ($350.00) Dollars previously. The undersigned agreed to withdraw Plaintiffs complaint without prejudice in order to obtain further information regarding a possible settlement. It was then determined that there was no settlement agreed to by Plaintiff or Plaintiff s LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. A1TORNEYS IN THE PRACTICE OF DEBT COllECTION 4660 TRINDlE ROAD THIRD FLOOR CAMP Hill, PA 17011 717-303-6700 II assignor. Therefore, Plaintiff initiated a cause of action in the Court of Common Pleas of Cumberland County by the filing of a civil complaint. 3. Admitted. 4. Denied. By way of further response, Plaintiff's complaint clearly states that Defendant was issued an open end credit card account, and that at all relevant times material hereto, Defendant has used said charge card for the purchase of products, goods, and/or for obtaining services. Further, a copy of the Terms and Conditions governing said account, which Defendant became bound to by virtue of Defendant's use and maintenance of said account is attached hereto as Exhibit "A," in an effort to cure this portion of Defendant's Preliminary Objections. By way of further response, Plaintiff s complaint, and any and all exhibits attached thereto, is a written document which speaks for itself. 5. Conclusion oflaw, no response required. If a response is required, Plaintiffs complaint clearly states that Defendant was issued an open end credit card account, and that at all relevant times material hereto, Defendant has used said charge card for the purchase of products, goods, and/or for obtaining services. Further, a copy of the Terms and Conditions governing said account, which Defendant became bound to by virtue of Defendant's use and maintenance of said account is attached hereto as Exhibit "A," in an effort to cure this portion of Defendant's Preliminary Objections. By way of further response, Plaintiffs complaint, and any and all exhibits attached thereto, is a written document which speaks for itself. LAW OFFICES WOLPOPP & ABRAMSON, L.L.P. ATTORNEYS IN THE PRACTICE OF DEBT COllECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP HILL. PA 17011 717-303-6700 II 6. Conclusion of law, no response required. If a response is required, Pa.R.C.P. 1019(i) speaks for itself. To the extent that Plaintiff is required to answer, Plaintiff specifically denies the allegations contained in this paragraph and demands strict proof thereof. By way of further response, any and all allegations or insinuations by the Defendant of any wrongdoing on the part of the Plaintiff is hereby specifically denied and strict proof is demanded at Trial. 7. Conclusion of law, no response required. If a response is required, Pa.R.C.P. 1028(a)(2) speaks for itself. To the extent that Plaintiff is required to answer, Plaintiff specifically denies the allegations contained in this paragraph and demands strict proof thereof. By way of further response, any and all allegations or insinuations by the Defendant of any wrongdoing on the part of the Plaintiff is hereby specifically denied and strict proof is demanded at Trial. LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. A1TORNEYS IN THE PRACTICE OF DEBT COLLECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP HILL, PA 17011 717-303-6700 II WHEREFORE, Plaintiff respectfully requests that this Honorable Court dismiss Defendant's Preliminary Objections and deny the relief requested therein and such further relief as the Court deems just and appropriate Respectfully submitted, CW~ZD - Amy F. Doyle, Esqui'te' ill No. 87062 Daniel F. Wolfson, Esquire ill No. 20617 Philip C. Warholic, Esquire ill No. 86341 Andrew C. Spears, Esquire ill No. 87737 David R. Galloway, Esquire ill No. 87326 Tonilyn M. Chippie, Esquire ill No. 87852 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Road, 3rd Floor Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff LAW OFFICES WQLPOFF & ABRAMSON, LLP. ATTORNEYS IN THE PRACTICE OF DEBT COLLECTION 4660 TRINDlE ROAD THIRD FLOOR CAMP Hill, PA 17011 717.303-6700 II VERIFICATION The undersigned hereby states that he/she is the attorney for the Plaintiff, Great Seneca Financial Corp., a Maryland Corporation, Assignee ofProvidian National Bank, who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Response to Preliminary Objections are true and correct to the best of his /her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. 9 'J.'!, }lJ)" U~.Q / Amy F. Doyle, Esquire ill No. 87062 Daniel F. Wolfson, Esquire ill No. 20617 Philip C. Warholic, Esquire ill No. 86341 Andrew C. Spears, Esquire ill No. 87737 David R. Galloway, Esquire ill No. 87326 Tonilyn M. Chippie, Esquire ill No. 87852 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Road, 3rd Floor Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff :~ i , ~ ; , ',' .4 "1 I r~ "1 "'j " .'~.I ! :. ~ ~.r,-- ~ "1 ~ ~.~ " ::": ~ .;,' q . ! [ , '1~ . ~PRGVIDIAN Finondal ,t\0 ~j 'SV ~~/'~~.).~) 0~ '~~.J ''\:j ~;/ ~;; '-!Y ,~./ '~ '~ ~y ~, Flll.g15H 3lR ., PllDVIDIAN NA1IDNAL BANJl VISA" AND MAStEllCARII" ACCOUllT .AGREEMalT Plaut ravlew IhIs document and _tIP It with 'Jour oUllr Wmronant JIIt)IIL TNs AccclUtlt AQrtI!InW: camaIfII tile IeI111lUSt QOVIm Y'M" ~ ...... 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"'" _... moy lmIlyaur _ Ctl4lwIlIII... conlnn II>llthl_ ""'c:I..r.lrar......1f ...... avallIlIIo....lIIJ ,,::"...YlII"':.:..m; _tar,..........,_.ta_""_IIul-.l4_yau........y.."_.ltdtlOfY!l\lr_II_IarCllSh_.,. ..., vaw_lOlIIl"",yaurCllSh'-cradl'O... ,', _..I'IY.....~lDllIY._duo..__QWhl.Jllll"'.._ilu__..,:....(_I.._dllrVlld--_.an- _.... -..;...,.... _... all_. call1l'' ,,,,ltlncl1ldln<j. b\lIOOI _,., ..........'allanIII"> /oOSud caurt...... lilY"" """ 1111 iUIt. WI...w poryaar .....__...,.._101I__1. . ,. . CIl..,... Allarwo JlIIllIIdI \101I'" _ ..._IIY fair. ...lIIIl'dWlGIanr....oIl/lIo........IlI...1dd or ,...... ""_. ~ or ~ H"t~":~: ..._ Cha"",_ oIlNsAarlOl\1llll.__IInJIlCII__w11ll1t11vloyw--"'-..o- dlO____w -~-- ~-.... -, bMnGa m.r,........ltunt 1'JlliIItIIt kI ~ kmuftt tIIltftnl; 1M t1at1lJf 11II rftlnw ..dwlllQPlf __Of l'IIlI: you ccatJnlII 11118 III. AcCOII'IL F...t..EIoIlooI_"_...II"'....yo"_..lJI._Io~athlrthlnU.s..._lIII""-wII.._Iou.s.dallln.~ustaIl- l/Q_ln_', "-......artRl_._...."'IIf.............."IIt._Il1~__by31l..~~b _ -.cr.t1".!!,~: .._1lf1llo_lIJlCI'If&GO.l1otcu""""_...._....._.....""""""__...l1IIIlII_.. --you Y""'-~ ,--_."- __"U.I.1IlIIIut. Illt_. ._. .......,_yaurClldftI_..Il..,llmIl1Ynatlf!In9...._..._tIlICatd(.I.lJa......~:=:"..."'U""~"= *.............,.,,1lI_... ConI. WI_ caru:IIlh<CanlllIlIl"""rClld'~.""..._.lOdJyo- "Y'l'!:.~.~--al\lIII_' wIlI.._1o ca_ornatfll1_. __..lIlld..........wll_llllll_flIYll1Il1lS.......dou.l1Iil1m.aod.._....-....-- .. aflIct.nY"" _ __pn.llogoa. ""... .......,d. ..._Jllacn:ya......lIIlaOi1ar- - onY'U!_IlIlIIVCU'-""""'-- .... .... -.. "". ~Jnn (COltt/notld QII ,,'RID) Qt "1 :; ,;;';. . I ~. :'W'.' "".'.1 ',.! .1, ~-;I " "~I '..._I';..........~._.-iauwl_us"_TOdayS_WyouCllal1Ql_......_..II"OilnO___~CI_u...,OIIl_ "'"""pnMdeUS___w.....".,...Iig/ll..___a1I18lI.i1du<lIngondill8poningJgOlltles.andlO___.....__ your Accaunl taofJerS. WI! mav:lkd manltlfDrm:rtioowiltl ourbtlSll'll!S 2fflIImt! HowPMt VQUm:wwritf!M lIS II mIlimP. in!m1Milln II!; Mt 10 rMaI aedltir'rfotmatim witt! nIM':atII1bhwr 1f'jlOU ..""'__........_Il1Il_._a.ciI"""ltrl..,_..._credlImaybe_IO~IOpOIIilG_ CustGm_ Servica: lJaatltoriZld OU. loa. or Theft of Cbfth Of .... CInI. Each Card must be signed on receipC. Yau III ruponsibll for S1~ thl cut yout Pe:1SOMI IdentfflcaliOO N...bIr (PIW1. WIlICll provIleS access lD Automotod Tiler -.........1111 d\e<llS _.. you _1IlIIl. and'" keeping..... PllI_ Irom JOUr eo... _ or 'uspect 1llOl... COnl. PlN. or "" ,..sed _lis an lost or stolen. <<1llaI .- may be an ,......_ tnnSldlon.. yOUr -. you will ptDmPfJy noIIIy lIS by c'::: HOG-Zl1-5115. So.. can i....odlolllylCllD llmiI_ and 1laCiIIly. "",will_us M11l1lO<lQl1you may alsO noIIly lIS ilwriIInG. YOUfllalJllltyklt_...<X.aIfl'ono lIefo<e yoonollly usiltlmillMl \<l$SQ. Kyau I8l101t"" _..._.... 01_ _...... may 'lISflBIld youraedll priviieq.. untII.............roblem....._ orlssut yau._Can!. ~_c.nsillost"S1GIon.Y1lIIwiII pnll1IplIy_oyd'_"'" maylltily... possesaion. To imll"",,""__ and securily. YOU_ltlIlyour OIiIsmayPl_I1d....-. Mo_R._. Wewll not.1lt IlabN W"" jl8ISOn or ~TIIlIet _lIfus....llooGrtlleCOnl oi___ ortllslD reIllm "'ConIlll you. We _ no _'billy lorilOOlll and_ _ wlIh tho ConI or_ ucoplaa _irId by.... (Seo StJtclillRuIe -I Cet1aln _Ills ItIat or. _ d... -.. an ...,.;Qed by ___ We ....._ 1or1llllquallJ.miIlIJlIIty, or _ 01...011118 HNicesyou cJ>....lDlISI. SlDtO Pa_lllrdm. lyou_ll>__...cIlecll. you may_lIS'. __OYwrlllnv\<lusatoor _IotCUStllmer_ listed .._"""- YDu ....maka..... _0Ill.. 0l3lIr by aJInQ 1118.._ 1Islell.. your.......... _.you _. stop _ _. you must _ your _ ........and specIIIe __"'check:lliI """........lblIdaIe..tIlt_........oIlli1_..wbomk_payellIe.lliIn_ oIlli1__signed lolIIId "'__1Ie< You wi bllSbd 10 cam'Inn ill ol'lf slop PIYfDtfII: om. irI wriIilg. We maw nluManl \lOUr or.II onIl!J' If.. tfn nnt ~ a dnnM1 wdtbn t:OI'IftrmIfImI wItIIin Iwn weBb abr 1M tni -.or.._..._.._~oltlltitom..IlIl1_""'be_1lle_...oolPl.........I...--pe/d by", Ile1ore..I'od.......- _ilY...........nlel'.WlImay,wilboulllallilily.disreQaI\I._....__sixmonlllsaftetrecelpt...-.isl8_lnwrlllnQ. . _nt 0/ CIno. _............ _. cndlt canl and may....... _ _""'... .........1!lnluIlI\_ _ syslema be.... tile _ are con_by........_...0My.......and C>nisll. wIIIllt'........._ ~your_wiIbe..-IIllIdlanicaIIy_...~ IftiIwInG Mlylllm. CuI ~_wIlcd..._..certaln...... wIlicllwowl/_ Wewill..._d__youreporllhet_C>ni or..._ __lost" _ WtdonotlnllndonllnorilY.........aiIl1ems.and......oolbeneoliQolltK...do I"elIdoSll- ThII"'_"'_oIon1lnery"'l8lhetwelng"'''''''wIl _In ad-.g _ _.... _ oI...._d _.end because _ __..- notCanl_.'" be -.adlD..........._ mwnent,youshOlJldbecareful..."",aII_In__regisIotcroll1elWlseklll\l.l1Clll1lat-. YlIII____cndltClld__lIIId ""-"ps.l!IIl Mn!f! m I"tvr.tr \mill monttttf 'ItmIl'rWft aaaiMt'dlr ~M1!. and m namw 1IIlnll,llld'...hlI\l of IfW IIII3Illhnrbm IP.:Innrlbwt l'Jt l!fTDI'S. WlI....atCeDIII ........ WlI maydelly or_ ___ oI"".........frhls__'oslngourrlgllt.."""rce tcraoy_pIO'Ilsion_Yw_lI1trlglltto ..-......._ ........or_ oI_r,anylllpllcallie"'lIIIeollmilalions:endanyrilhtyoutn01_.._usto_agalnII...,..,.betortwollleouit_ you. ~Uw;__~No__youINl,1I1JsAgreementand__an~by_1ewendby_HIn1(lIIIIq""'11lIo~","" __allll> __.,..lI1lIllS and may not be __ by _oI""...QOd OIIiog_ I"" """Ion 0I1IlIII Agreement" hold.. be _<< _youand...wlI_1lIlll......Ion_lD_toOjllJlk:tbldlew,end1lle....al..._..1IleAu.-......._.A1""llmeeftorwo d......1nl1n good faII1l11al......-ed or8l1lCled ~ /89ll1llory 1Cllon, or judlclel_1les rendered <<may _.......rlal ~0I111ls~_ __.. _or_""l_...._rtlnglOquiremerll.orGttl"burtlenln_wiIll,."__orlls__.-.._30dayt._to,..,, ..._ _ I permilbd by.... _... C>ni.and_ cndlt ~ We may _ "ouIgn ouirightto all or.... 01_ _ w_ lOW requIreo lllOlyou_ _oI_.._to_......-.,.Olasslgn......mayglyeyou__bytln;a.hoslng__..._..SeaearyolSlllL _ 0IlIer._ to you s1ld be _ _ ~ln tile mal addressed.. you..... _ _In... _ '""'" .longorno1tc. _is spedIlod il1hls AgrIemenl Or by lOW. _._ _ scut.... mailing. -. to lIS ehd be meIed.. our _IorCust....._on_......- {or - _.. may '98dIYl and ......__..._Il. . YOUR 1IlUiNB RIGIf11- lIES' IHlS IIQtICE fOR RlTURE USf. TIlls _ ,_l/lqlor1alO info_ aIMlutyour rlgblS and our resporolbIIl1es _... Falr Cred1I8II1Ing hS. lft1I#r 111 .CIA<< EmlrJ.,~ANIt""'B1Il.lfyou It*lIryourN II wrong, or I you need more /nfonTlltlon Iboutany trIn$IdkJn ~ yourbil, wriII us. 00 a sapaIItIlhelt.lI cUt adcfreSS IIad In the 8fIfIO RJoIds Summiuy on your t:a Wrb EO us as soon as possIk We must liar fnIm you no IatIr thin 60 ~ after WI SIRt you the nrst Oil Olt wMcn the error at problem appeared. You can tellphDnl as. but doing 10 wiI not pr1SWVt your riOfds. III your liner. Give l.I$ the foIIowInQ: Your name lnd Ar:cuUli. ftUI1\bIr - Ttw dclftIr tmeunt ct ltle auapec;ted 1mII'- A ~ QllhI emJl and IIl1 DpIallIJfon." posdIII, otwtly you bIiINt ItJen is an ,not ttyau need more informItkJn. tSacrbt lilt 11Im you III not SUfi alIOUl r__ ""'o.r~_We R_ _ __. We must _odpyour__ 30 dayt."'-we _......... tile ...orby..... WlOlIn go days. '1ft must'" GOftICt_. tmll' <II' U$dIin why.... beIlNe 1M blI we comcL After.... rItIM your lelter, WI c::annot try ta COIect illY II'lWKI'C YO. QLatIOII. or repoft you as de/InqUenl. We ... _ .. bII you fat tilt ....... you quesdon. -.. _ cIletges. and .. can.pply "" _....... __ CAdIt.... You do ............, any ~__.....~bol}Oll...sllIIoIrIgaIed1DlIIl/llII_Gl_OIlI..........In~ "we ftnCIlIllII... madI, _.. youtbll. you.wlillIOthluolD ..,any_ _........ "" _........ I... dldn't rnekI. _ you may 11M....,_ cbarOU. and you wIII_ III mafle up'" mfssed ~ on die qUlSllDnld mMUIt. In emww CUI., .. wBfsend you. s:tIIIf'ltIm gl1be amount)'Oll OWl and !hi dill that It it dUL if Y" .... JIIl'tIlt...........lIIlok yo,....... tI1IY I8l101tyou._ _ n... """"""" _..._ you Illdyou_ to .._10 dayt leIIlog"'....... still ..... to pay, WI rhUII tel MyDrII we report you to that you quatlon your bII. ArId. VIa mull: tII you !hi lUll: d anyGl!If we rtporUld you to. WI must till anyone we "port you to UJa ttIe lNDIt/'las beeIl sItIIed betWeen US......ltftnalttls.lfwedan't1Glow_1'IdM. WI'CM1tcalllll:l'bltm$50 (1111II qualiollld atnOtIK.IVIIII)'OW'tlIIWUCOfflCl ~_,.t:IofIII__ K...._. ,.-.w1llt"'Q\lIIIIJoI'" _cr_lI1alyoupu_wiIl...credlClld andyou..... _lngood_" correcztllt problem _ tile.......... you may..._to pay'" _... .......dut..... "",,8l1y"_ 11lere are... Rm_...1l1IS right e.),... must -.-... .._ In yoor home ~.. or..... _ your.... ..... _ 1110 _ 01_ cunelll maJI1ng _ .... (blllle ...- orb must ..... .... ..... .... $50. U- 1ritItklnsI do not_It_ CIWft or openItIl:bt mtn:tlInt. or ttWl man.t; youttW:.adl.-dl-,lI.lI for IhlI Pf'OIIIdV or stnIica. __-11I!!1oIIoIIlog_...__......R........__lD...__r_1._.....-_I-..-.r'). EIlOl'IIIIi. Pa,lIo;lpelh<.."tIlt_lo_.._.....__._VlSAorllaltoCardcredllclrd_r.........,lngoud_lNe..........._ to appmve. dint, IJt l'IVOtII.lI'ItRbh'-. not allow raddmlrtfon of RawaRIs. .. dllInId betow.1O any fndMdual for lIIJ' raSOt1 whatsOIWr. e.nin.oIPII....OllllnOtIlt....T2___...is-.you..._ZpoinlI{"l'oInIs1lnr_SToIMIt_..._..........OIadltnOlllllly__. yw .. urn 1 Polri:' for eacII $1 Of Net Pvn:has8L ,. Pun:haseI'" mans pun:bua of goodI or seMceI mactI by you or IIlf IIIIIhorimd user of 1he: Accaunt. JIIius II'f tIIUnII ot _1lId Illl:luIIInQ __....... _ -...._ and iICl:tOS_ PoinlIdo not_lOt iI_cIlerg.. <<_oI...,ldnd. such. bD......._ _iseo. ...__.......___Cllang.. ....to..._Ilol........IllIIe_.__wil___--In...-No -. P_wiIlbt_1lle _Dele means ...dalewo_you...Prog.... membtr. PoinlI may onIybewned .__is_lIIldis.oI....~ _...credIt__,..kcountbc:unenlll1lllS_lIscred1l'Ine.,......llegln......__ TbereIs..IlmII......_oI_...c:enbe_~u do not _._ -. _btpllldlUodor_lGr..... end __lII'tI cl",_be __lOr _Of _ ..._lnry<JOrl.ctoonlor_ otlllgllfonslOUL STalI_ oIl'lllllll. Program Points... ,_ -.u.~ at tilt lIlreolytNl _b_ "'lament _ earned during tilt mon1l1 wIlllt.- ..your bl111ng"""'" .......d ......_eur_.......lIOlIIat____-_llIIlng-..... . EqriretI.. oIl'lll.... _"'_IIot",,,,___._ __.nd lIlqlIredwilb. _ ...."'._ ..........- 8......0.01 PobdLPrJlnamay-lllrw:lllemed 1OCprodltdsorstNitw ("'Rewards"), which an Slt1or'/h)n a 8rachutl mailed lO you trom I:kne to dmLPt:lintS may only be r.aeemed it your Accoutd'Is open and IS not past 4Ut Of IbM the credit line. All AtwItds ani subjed to ~. WI l'tlS1IW tnI right to madly or C8IlCII any Reward at."" tfma.. WIlen pOints inllldeefJlld for.. Rewttd. tht number of Points mtUirect for !he Reward wW be aubtrlC&ld from you( Pofnt bIIIrleI. You wHl contaCt tna pllUa listed in thI Brochunt lor InstnJcdOnS on how 10 r&dum your Pai'iL Tu UUlIIly __.'You will PI_lbie lor.... _ stile. or _ taxes duI.risfINJ OUlolllll_ 01_ or ,edemptlon 01... __ You will.... b. ",porlSible lor '"i....or__duelllCO__...I8de_oI""_ cr...... to lilt Pr8pI.. The. Program and tIIlIlMnefttS are offIrId at gur sott dlscrttion. We reseMI tbI rfOM 10 abt or cnang. aJff PtOgIIm tatun Of bInIfI. prospec:tNIIfY ~ u:lb--.lI..aIy. lndudlno. wilbOtd iIfttatIon. Point accruaf or ~1Ion c:rtIIIfa, and fD canc:af or tem~ .su:sptftd dIB ProQI3ID at any tim8 wtIhOld: nodl::e. 1ft t1Jt IMIRt you eotMWC .....ud or__.rlviIeQo$_" "'accro~ oI_or rodelllllllonol_....-..... ri;llllD -any",,- -.......---.... ~ .. the Program. If WI CMcet d\t PI'OQ'RI'n, we: will n~ Pravict. at taut 30 _ wriaen noriclt D ~ It the addras pl'O'lided to II$. Howwer.ltyOU WolIte any ~... 01..... Tenns and CooidIllon. you... iI_."- _ Account. or YO" _ ~ dosed... may' c:anc:ellhi Prov.... without......."" you 30 dayt -. nOll", IlId you _,."...used Po.... v.. may_yo.._..tlllnalllrtllme.11Ie_is_......"onilllledby_-. or_taw. a...... Mantz Inc. .and 8RI.prowidI admlnlstrativl stNiCIs for redemptIoa of rhI RenrdL ~ lAC. and SRI an independent ccnrractoB and an not atnJiatId with ~. Htibl'.. Madtt Inc., nor 8ft1 $hat bllilfIII for bOdfy hann aneIIor property dllNOfl that may raUII from ~no In !he Program, f)Of tor Itlt redel'nJldon 01 Rewards. and use of RewaniS. In the evear aJrI Reward ttmr is redIIlmed is modified. c1etee'dvt. or ~ \U'\SIUS1ac1ory tG 1O'l. ,OU wftI. laQlt soWt 10 tl1e merchant or maootatturer of 1M Rewwa ana not to U$ tor any reoair.letund, or saUSfactlon of yourclalm. Wa are not responslb~ tor Bni k)st, stottn. destl'O'{td. or expired Rewatds. LAW OffICES WOLPOFF & ABRAMSON, L.L.P. A1TORNEYS IN THE PRACTICE OF DEBT COLLECTION 4660 TRINDlE ROAD THIRD FLOOR CAMP Hill, PA 17011 717-303-6700 II IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK,: PLAINTIFF NO. 05-4291 vs. CIVIL ACTION - LAW JAMES R. BUSH, DEFENDANT CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Response to Preliminary Objections upon counsel for Defendant, by First Class Mail, Postage Pre-Paid, a copy thereof on this 'J:C ,~ of September, 2005, to: Joseph K. Goldberg 2080 Linglestown Road, Suite 106 Harrisburg, P A 1711 0 () \ ~y~ Amy F. Doyle, EsqUire ID No. 87062 Daniel F. Wolfson, Esquire ID No. 20617 Philip C. Warholic, Esquire ID No. 86341 Andrew C. Spears, Esquire ID No. 87737 David R. Galloway, Esquire ID No. 87326 Tonilyn M. Chippie, Esquire ID No. 87852 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Road, 3,d Floor Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff " c_ ( s;~; =2 ...., c-;.:> '-7.) C..rl (I") ('71 -<J N -./ o .) .-l FJ1:D I",:. -0'"' ; ;,qCP '::-'~c~ '~!~J ~;~ cSrn ~ -< = ::"J: <.D -'="" ...- SHERIFF'S RETURN - REGULAR CASE NO: 2005-04291 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND GREAT SENECA FINANCIAL CORP VS BUSH JAMES R 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 BUSH JAMES R the DEFENDANT , at 1907:00 HOURS, on the 2nd day of September, 2005 at 518 8TH STREET NEW CUMBERLAND, PA 17070 by handing to DEBORAH BUSH, WIFE 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 Postage Surcharge 18.00 13.60 .37 10.00 .00 41.97 So Answers: 7~~(?C~.. .<< ~~~ .';'"..l&_<"~ R. Thomas Kline me this :I, day of 09/06/2005 WOLeoFF , ABRAM'ON ! I j BY:~~ Duty Sheriff Sworn and Subscribed to before A.D. Joseph K. Goldberg, Esquire 2080 Linglestown Road, Suite 106 Harrisburg, PA 17110 (717) 703.3600 jgoldberg@ssbc-law.com PA lD #46782 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., A MARYLAND CORPORATION, ASSIGNEE OF PROVIDIAN NATIONAL BANK, NO. 05-4291 CIVIL TERM Plaintiff CIVIL ACTION - LAW v. JURY TRIAL DEMANDED JAMES R. BUSH, Defendant PRAECIPE TO LIST PRELIMINARY OBJECTION FOR ARGUMENT COURT TO THE PROTHONOTARY: Please list the Preliminary Objection filed by the Defendant in this matter for Argument Court on the November 23, 2005 docket. Date: ICl-sl-tl.r '" CERTIFICATE OF SERVICE I, the undersigned, hereby certify that on the3lj1day of Ojjp/, 2005, I served a copy of the foregoing Defendant's Praecipe to List Preliminary Objection for Argument Court, by first-class mail, postage prepaid, upon the following: Andrew C. Spears, Esquire Wolpoff & Abramson, LLP 4660 Trindle Road 3rd Floor Camp Hill, PA 17011 Attorneys for Plaintiff o \f. -o\:i. n-\C-'~ -.i' 2:- i~ I~} r; ~'i~ "PC: ~'/ :'2 r-> ~ <f' -;:r:. C> ..c. - Q. ~-n r\~ r: -atD. :JJc,'" C),t? :,:>--1,' ~\,~--n rJ~ ;c: 'fA a _A ?j ~:~ -0 -;:$. ~ 0) c.f\ /---------- IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., ASSIGNEE OF PROVIDIAN NATIONAL BANK, NO. 2005-4291 Plaintiff vs. CIVIL ACTION - LAW JAMES R BUSH, Defendant PRAECIPE TO DISMISS To the Prothonotary: Kindly mark the above captioned matter dismissed without prejudice. Respectfully Submitted, W&A# 128459392 (~-(?~~ Amy F. Doyle #87062 Daniel F. Wolfson #20617 Philip C. Warholic #86341 Andrew C. Spears #87737 David R. Galloway #87326 Tonilyn M. Chippie #87852 Ronald M. Abramson #94266 Ronald S. Canter #94000 Bruce H. Cherkis #18837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd., 3" Floor Camp Hill, PA 17011 (717) 303-6700 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA GREAT SENECA FINANCIAL CORP., ASSIGNEE OF PROVIDIAN NATIONAL BANK, Plaintiff NO. 2005-4291 vs. CIVIL ACTION - LAW JAMES R BUSH, Defendant CERTIFICATE OF SERVICE I, Andrew C. Spears, Esquire, do hereby certify that I served a copy of Plaintiff's Praecipe to Dismiss, upon the Defendant's Counsel via Regular Mail, Postage Pre-Paid, a copy thereof on this ll. day of November, 2005, to: JAMES K GOLDBERG 2080 LINGLESTOWN ROAD HARRISBURG, PA 17110 W &A # 128459392 C1~ (> ~ Amy F. Doyle #87062 Daniel F. Wolfson #20617 Philip C. Warholic #86341 Andrew C. Spears #87737 David R. GaJloway #87326 Tonilyn M. Chippie #87852 Ronald M. Abramson #94266 Ronald S. Canter #94000 Bruce H. Cherkis #18837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt CoJlection 4660 Trindle Rd., 3'd Floor Camp Hill, PA 17011 (717) 303-6700 Q (,c. ~ '3' --- -8 ..::.. <'j\-':'; (\ ~ I: .,,:- ')...~ r g 1..-, ( ~ , ';:::,r ;:. l.> ~2 0 .I '- ~ -.l. V'~ '" D '-", V\ ""' 2 'f' ------ Q. '1.-<' t\"\e .o~ ,:)'-1 \ DO v? ,:':r..-~:\ ~! [;;~ ~':. /;<:.' (~ ':'~ ':'3:. t? ,;:- ..p -