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HomeMy WebLinkAbout05-6528 o IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO Plaintiff No. 0 S- - l.cS'ouY C;u~L~vz--, vs. COMPLAINT IN CIVIL ACTION SPEROS NTONADOS Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt, Esquire P A I.D. #42524 WELTMAN, WEINBERG & REIS CO., L.PA 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PAl 5219 (412) 434-7955 WWR#04301171 .. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION CACV OF COLORADO Plaintiff vs. Civil Action No. SPEROS NTONADOS Defendant COMPLAINT IN CIVIL ACTION AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearanee personally or by an attorney and filing in writing with the court your defenses or objeetions to the claims set forth against you. You are warned that if you fail to do so the case may proeeed without you and a judgment may be entered against you by the court without further notice for any money claimed in the eomplaint 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 HA VE A LAWYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP LAWYER REFERRAL SERVICE Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 COMPLAINT I. Plaintiff is a corporation with offices in 370 17'h Street, Suite 5000, Denver, CO 80202. 2. Defendant is residing at 4174 Kittatinny Drive, Mechanic:sburg, PA 17055. 3. Defendant applied for and received a credit card issued by Plaintiff bearing the account number 4124500280560071. 4. Defendant made use of said credit card and has currently a balanee due and owing to Plaintiff, as of November 7, 2005, in the amount of $3,291.34. A tme and correct copy of Plaintitrs Statement of Account is attached hereto, marked as Exhibit "I" and made a part hereof. 5. Defendant is in default of the terms ofthe cardholder Agreement having not made monthly payments to Plaintitl'thereby rendering the entire balance immediately dlue and payable. 6. Plaintitl'is entitled to the addition of interest at the rate of 6.000% per annum on the unpaid balance from the date of judgment. 7. Although repeatedly requested to do so by Plaintiff: Defendant has willfully failed and/or refused to pay the prineipal balanee. finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands Judgment in its favor and against Defendant, Speros Ntonados individually, in the amount of$3,291.34 with continuing finanee charges thereon at the rate of 6.000% per annum from the date of judgment plus costs. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. WELTMAN, WEINBERG & REIS, CO., L.P.A. -' -'-= -=~7f/~0J// James C. . armbrodt, Esquire P A J.D. # 2524 WEL &\N, WEINBERG & REIS CO., L.PA 271&' ppers Building 43~ venth Avenue ~itt urgh, PA 15219 / 2) 434-7955 WWR#:04301171 0-FIeet ~~::"t it_TIt:! _0_ MlnNr4124 S002 eG56 0071 ;,~"...........>_;, $3.211.34 ~.,. ~w,_ "~:~~~ $531.00 ~::..~~.:=:;;'. JWt. 14, 2004 F.....-unt~lId. e_....r..........1-aoO.!>>7-3m ", 1o?;i on" bltp:llmycatcl.floet.com .h........."'_....._.........t.n. . ......CPOd<~....IItI'Wc..dIO'........._ FlEET CREDIT CARD SERVICE P.O.BOX 15368 WUllNGTOtI\, DE 1988fr~e '19S&653686&2r SPEROS G NTONADOS &; CAMP HILL SH l.W.L ~HIUPA17011 !lXlI IO! 4124500280560071 0329134 005J600 DoolIl.hll.......8Ilo1l.nlI......,.,...,..._--"- ACCOUNT SUMMARY FOR SPEROS G NTOHADOS AuDUlllNIatlIor: .,24 5002 8058 0071 C) Fleet PA.'tMENT lItFORMATION 7;?:j~' $3,110.23 0.00 0.00 ..... re." S3.2lI1.>4 h~~:.~i.oa_;~.:.:-"~~~i<:-,:;:'t; ",.. ~;;~~.~,~) ~":',~;_~~'-:i:i:~~~:~"~~_ ..)ft'!ll!!W!\1Mtr~ltlt r'l""'; :~f::,,~~'~;;,~;.':;~:t~ $466.00 $70.00 so.oo $531.00 JUN.14. 2004 . ~~~~.5+'\::+ Total~Umtt: $5,.800,00 CMhAdlfan~Umlt $2,~ "'aUalMCtwftt: $OlIO C-.hAltlInl*IrN~SO.oo A RECORD OF YOUR CHARGES AND CREDITS Blllng Cydl Qoalng D..: 0&t18J04 Dayt.In~Cydf,: 32 T...-, """" -... - .... - T,oInIIlC!ion 0H:xipUM ~ ""- ,,,,. .... LAlt5FU ..... "''' .... "FINAHCEClf,lROo!. PUJteHUI!S m.11 CASH ADVNrlCl! 10," ,... f'Qr!nbrmtlbIl0l'll'llur~C)l'1O ,..a. f'11Hh CU.'lIf1"'SerMo: jf.~~~~~t.~ 1-1l:IfkU7-3717 hUp:JJrnygrdJI....com PO BOX 1$410 W1U'IN(l.TONDE 1"50-5480 '~~~:::S::;Efr~,:,~ ~:: ,'~-";.f,.. ANNUAL PERCENTAGE RAiE for,*,Idw_.. b.a- nn.hnflm:..... any nlUl.-ch-v.....):26.t5In. A.NNUAL. PERCCNiAGE RATE lor.... lIlIY_ClAd..... .nyflrl......ow;.1eN): H.I8D% IfrouhMft.~"'-.t,r(q',..-kodk:.....n..,..ry. INFOPJlA.T1QN FOR YOU PlEAIi t;Al.LU1IM111E1)IAT!LYA.'1~' YOU" ACCOUNT fJ ~AST DllE YOU.....y NOW IU.KII PA.YW1fTI ON~ CDWWW.MYCARD.fLEET.COM YOURACCl)UNT IS CUIUlENT1.YCLOSED ENClOSEll IS OUR: UPUATED PRIVACY !lOUCY, WHICH WE AIlE IlEQUIIlED rol'1lOWlI! YOU EACH YINt. THI,UPDATBl POlle... 0ESatUIES QUit 1'RN,iC'( COIlllUMUt TO YOU AND "I!PLACI!' NI'f OTHER OIIClOlllREllVl1T MADIi auOflE AP1tll1,l6lM REGARDING OUIt 1rfF01tllA11ON jllRAC'I'ICQ. 'IlIPOIU A)IT \olOTICU: EFPECTMIK!i,ID.4, JMi TU.Ya AC:CmItfT AHO ANY lOfT WCGAOIi IICSURANCE COVERAGEe NlAIl.AIIZ ON 'I'OUR ~atEDlTCA.l'tDACCOlJN1"WU_DlSCONrIrUED. ~L AOCI:IPIT~MLI.ITIl.LH'I'\..TTQ IJOftRml1llPlCOMllEMCla 1EF00000&I11'o'U. l.O$T"LU4GAoOI!COVt!lU4eWlU"",,"YTOACtUAL TRAYaO.. COYefteIlTftlPfi CJCClRtI'fG BEFORE IIf!,104. UU,. EXHIBIT J- - R"E ~I"'I! H)J FOA "I'OIlTANT ..g......no'" IJU QUO IICW " 1 :!.~ "OSll Z D '-'8 1 of ~ ~"5S O~~O u.JU OU,lUJU 'US" 1) L(3D{/ 7 I o Fleet ~:~~~ '_11. ""__"",.12"5002805tl0071 !",\~!r_.~~~;':-' ~.OO =.. '~:~:7::-{:":~ SO.OO rl$lii:~~.:t: JUN. 15,200.. For_"""~IIM1l c.............a11-1OD-5)7."m o,Iog.._ http,:f1mycard.ftHt.com . ,...c....,_...,.....ro,.,.,,1oacll. . "'cMok~."F_e...-c:-I"""'" FlEET CREDIT CARD SERVICE P.O.80X 15361 WILMINGTON. DE 1988&-53CI3 SPEROSG~ 8CAMPHltLSHMALL. CN.P HILL PA 1701 ~ J~LU 11W1a.6536H6&21 !I10llO! 4124500280560071 0000000 0000000 ~a1"""'W._rtWn____..,..... ACCOUNT SUMMARY FOR SPEROS C NTONAOOS _........, 4124 5002 8C!S6 0071 PAYMENT INFORMATION '.""":~~:.r..~-~ :--~;.~. el Fleet ..........r--.:'-=:';;=~.: __1; so,oo m<,OQ 10,00 10.0<) JUN. 15,2004' . '3~.U4 2,526.90 0.00 0,00 0,0<) SO.oo ~:r!t~~. ), ~, lJI ,~r*~';-::r~' ',,,:+-'IOOi!ll:~~~.:";' j""",~~ ","~.,~..':<I'!:~~ :tE~,.";:;;;..,;;-:,,,,--; ." - , ~,ift~:::~"r:*l:m:. ~~+'iff~" TDtII CBdItLnlt: $5,100.00 Cash AdYanct Urntt $2,JDO.oo A,'tal...... CfIdt: So.oO C..h Adw'anee AvaUabl_: SO.DO A R!CORD OF YOUR CHARGES AND CREDITS ~PfWII'Ig ~1wanI>> Cllfe. 0IItI ~ \'lwlHc(Icat:lMcr!j1.... B.IIIJoCydtCI~IIDtIlt: 0511&104 D.~.ln $tIling Cychr. '" """', ,,".... ..". ..". "''' 05'" F47t5OfGW'QUIlll.J1 '~H..nl~ e~OFfACCOU"T..pRINCIP4LI CHMGE OFF ACCOUNT "FINANCaCIWlGi" ,..... ...... FcrlnfonNl:iononyou-llOOOUnto'to"""F~.c:u..torn<<StlrviIl8: 1.~7..;n1' h~~om P08QX 1e41O WlLMlNGTOHDE tNl5ll-~ : ~~.: .:1~y.~ ANNUAL PERCENTAGE RATE for~ MCIlN1l1fl.".....,. (IM111....."'fIIlIMf.... ""J:2UIO% ANNUAl PERCENTAGE RATE fCII~.~ l'..m.h..., ___.......2I.ttCl% .YOlIlbWI"YIrIIIlM _aceovnl.vourpll1c:la__,..,.v.,.. IU: fEVllUE _01 FOfIlIFCRIANl' IlFOlW.\1'IOH SUI 0000 IRlD " 5:n Of,OSU :U.......lof1 "0 0900 lNP QURJU U~J.U '.. VERIFICATION Authorized Agent The undersigned does hereby verify subject to the penalties of 18 PA. C.S. 4904 relating J<[r-JrdCil1 Ij} U/?DArJ (NAME) of [/rev t>f C6((J((f/IJ ILl C- (COMPAr\ Y) , plaintiff herein, that to unsworn falsifications to authorities, that he/she is (TITLE) he/she is duly authorized to make this verification, and that the facts set forth in the foregoing Complaint are true and correct to the best of hislher knowledge, informal' n and belief. ~/\,r-"""" ,/ .. This law firm is a debt collector attempting to collect this debt for our client and any information obtained will be used for that purpose. WWR#04301171 ~ --- -.:z ~ C> VI t () ~ 'iA.. !n. U\ VI ~ 0 -C: -u ~ t-- f f:- ---t- o ~ ":"" -.:~ \'\>~ d;: i_,~! ~'."-~" . (::,'. :::...: C~;~- :~.:., :;'\ ~1 o ,,- n ':."".'\.. );"C'~ :':'~ <~ ~ -.,; ::1..-0 rn F:; :'0 C; U-") ~~',,} ~>~ -,::--- \_2<:~) ::;: ;~ri1 ::::: ..<~ ~ o ~ '-'" rc;J SHERIFF'S RETURN - REGULAR CASE NO: 2005-06528 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CACV OF COLORADO VS NTONADOS SPEROS WILLIAM CLINE Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon NTONADOS SPEROS the DEFENDANT at 1527:00 HOURS, on the 28th day of December, 2005 at 4174 KITTATINNY DRIVE MECHANICSBURG, PA 17055 by handing to KATIA NTONADOS, DAUGHTER 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 So Answers: 18.00 12.48 .00 10.00 .00 40.48 _/r; .f/ ~::?. <~. ... # J ". //'_,," .j- /,,~..J-:;';.<::'>1"~< ~1.~F"- R. Thomas Kline 12/29/2005 WELTMAN WEINBERG REIS Sworn and Subscribed to before By: ~V~A' /' eputy heriff me this '"' )1- day of A.D. y . . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO, LLC Plaintiff No. 05-6528 CIVIL TERM vs, PRAECIPE FOR DEFAULT JUDGMENT SPEROS NTONADOS Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY William T. Molczan PA I.D, #47437 WELTMAN, WEINBERG & REIS CO, LPA 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#0430 1171 Judgment Amount $ 3291,34 THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. . . IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO, LLC Plaintiff vs, Civil Action No 05-6528 CIVIL TERM SPEROS NTONADOS Defendant PRAECIPE FOR DEFAULT JUDGMENT TO THE PROTHONOTARY Kindly enter Judgment against the Defendant, SPEROS NTONADOS above named, in the default of an Answer, in the amount of $3291 ,34 computed as follows: Amount claimed in Complaint $329134 Interest from date of judgment at the contract interest rate of 6% per annum TOTAL $329134 I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA RC,P, 237.1 on the dates indicated on the Notices, By: William T, M czan PA I.D. #47437 WELTMAN, WEINBERG & REIS CO, LPA 2718 Koppers Building 436 Seventh Avenue Pittsburgh. PA 15219 (412) 434-7955 WWR#04301171 Plaintiffs address is: c/o Weltman, Weinberg & Reis Co, LPA, 2718 Koppers Building. 436 7'h Avenue. Pittsburgh, PA 15219 And that the last known address of the Defendant is: 4174 KITTATINNY DR. MECHANICSBURG.PA 17055 . . IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO Plaintiff ." /^..-'--' (.., r , ,'~~..::;:. Case # uS- u/:o. ~ ~ L\Jd \__,m SPEROS NTONADOS Defendant(s) IMPORTANT NOTICE TO: SPEROS NTONADOS 4174 KITTATINNY DR MECHANICSBURG,PA 17055 Date of Notice: WWR#: 04301171 .., , ' \- <-.'-\-0'--.0 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 // BY: JAMES WARMERODT, ESQUIRE PA 1. D/ #4-2524 WELTMAN, MEINBERG & REIS CO., L.P.A. , , 271~LKO~PERS BLDG, 436 7TH AVE. PITTF~GH, PA 15219 . .-"/) // ~)<0-rj\/1/ . , IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO. LLC Case no: 05-6528 CIVIL TERM Plaintiff NON-MILITARY AFFIDAVIT vs, SPEROS NTONADOS Defendant The undersigned, who first being duly sworn, according to law, deposes and states as follows: That he/she is the duly authorized agent of the Plaintiff in the within matter. Affiant further states that the within Affidavit is made pursuant to and in accordance with the Servicemembers' Civil Relief Act (SCRA), 50 US.C. App, S 521. Affiant further states that based upon investigation it is the affiant's belief that the Defendant, SPEROS NTONADOS is not in the military service. Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data Center (DMDC), which states that the Defendant. SPEROS NTONADOS is not in the military service, F"rth" Alii"" ~,"'h ,,",ht r;J~j~ AFFIA T AND SUBSCRIBED in my presence this ..l. day . 26tJ(f . SWORN T of h NOTARY PUBtlC , This law firm is a debt collector attempting to collect this debt for our elient and any information obtained will be used for that purpose. Request for Military Status Page] 01'] Department of Defense Manpower Data Center FEB-07-200607:08:31 Military Status Report Pursuant to the Service Members' Civil Relief Act -< Last Name I<'irst/Middle Begin Date I Active Duty Status I Service/Agency NTONADOS SPEROS Based on the information you have furnished, the DMDC docs not possess any information indicating that the individual is currcntly on active duty. Upon searching the information data banks of the Dcpartment of Defense Manpower Data Center, the abovc is the current status of the individual, per the Information providcd, as to all branches of the Military. - ...-- -'''} ("-- .,,' . L /"{ I J .:- I f-o f-:><~.H . ".:;n 6-.. c'~ ( Robert J. Brandewie, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department of Dcfense that maintains thc Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on cligibility for military mcdical care and othcr eligibility systcms. The Departmcnt of Dcfcnse strongly supports the enforcemen1 of the Servicc Members Civil Relief Act [50 USCS Appx. ~9 501 ct seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundrcds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced a small error rate. In the event the individual refercnced above, or any family member, friend, or representative asserts in any manner that thc individual is on active duty, or is otherwise entitled to the protections of thc SCRA, you are most strongly encouraged to contact us by phone at (703-696-6762). We will then conduct further research. Your failure to re-eontact DMDC may cause provisions of the SCRA to be invoked against you. This response reflects current active duty status only. For historical inf(lrmation, please contact the military services SCRA point of contact. See: http://vvww.defenselink.millfaq/pis/PC09S L D R.html. WARNING: This certificate was provided based on a name and Social Security number (SSN) provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. ReportlD:QVQI'KOZNDR https:/ /www.dmdc.osd.millscralowalsera. prc __Select 2i7!2006 t A:.J (2l ~ ~ ~ 1- :-G ........:) () C-, C) ., .'11 F ......... ~ () - " :.:::j ~ r ~ :,'1 ~ ---- ~ W G) Q.r z:; -- ~ ~ ~. r',) -~.._' c--- .. .< , , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CACV OF COLORADO. LLC Plaintiff vs Civil Action No. 05-6528 CIVIL TERM SPEROS NTONADOS Defendant NOTICE OF JUDGMENT OR ORDER TO () Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or ~'I1ent was entered against you on ~ j ~ ;;ux:b I (xx) Assumpsit Judgment in the amount of $3291.34plus costs. Trespass Judgment in the amount of $ plus costs, () If not satisfied within sixty (60) days, your motor vehicle operator's license andlor registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA (xx) Entry of Judgment of () Court Order () Non.Pros () Confession (xx) Default () Verdict () Arbitration Award SPEROS NTONADOS 4174 KITTATINNY DR MECHANICSBURG,PA 17055 :;"~~ PRO ONOTA R.. PUTY) Plaintiff's address IS: clo Weltman. Weinberg & Reis Co, LPA, 2718 Koppers Building, 436 7'" Avenue, Pittsburgh, PA 15219 1-888-434-0085 . ' IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA CIVIL DIVISION CACY OF COLORADO, LLC Plaintiff No. 05-6528 vs. PRAECIPE FOR SATISFACTION OF JUDGMENT SPEROS NTONADOS Defendant FIl.ED ON BEHALF OF Plaintiff COUNSEl. OF RECORD OF HilS PARTY: James C. Warmbrodt PA l.D #42524 WELTMAN. WEINBERG & RElS CO.. L.PA 2718 Koppers Bui Iding 436 Seventh A venue Pittsburgh. PA 152] 9 (412) 434-7955 WWR#0430 I] 71 . IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DIVISION CACV OF COLORADO, LLC Plaintiff YS. Civil Action No, 05.6528 SPEROS NTONADOS Defendant PRAECIPE FOR SATISFACTION OF JUDGMENT Atthe request of the undersigned attorneys for the Plaintiff you arc directed to satisfy the above-captioned Judgment. WELTMAN, WEINBERG & REIS CO.. I PA ,C:, -'" \ By: __ James . \Varmbro t PA I.D 42524 WEI~i AN. WEINBERG & REIS CO, L 2718 oppers Building ~' 'eventh Avenue it burgh, PA 15219 12) 434-7955 --"7 .---",'.---"--'-"-~ P.A. WWR #04301171 Sworn to and subsl',ibed be(ore me this /1 ~~~\Ww \...-. G i" :""t,-l_OF PENNSYLVl''.:.:'i:~~ Seal c,ry pubnc I 'ny So~~~ :~.:-'~~~~~_.J "c,>;;s'"