HomeMy WebLinkAbout02-1330EDWARD.STOCK, ESQUIRE
I.D.913657
18th Floor
1608 Walnut Street
Philadelphia., Pa 19103
(215)893-9322
DISCOVER BANK, ISSb~ OF DISCOVER CARD BY
AGenT DISCOVER FINANCIAL SERVICES, INC.
P.O. Box 6011
Dover, DE 19903-6011
Plaintiff
vs.
BETH A. SHA~'~'~
124 Rustic Drive
Shippensburg, PA 17257
Defendant
Attorney for: Plaintiff
COURT OF COMMON PLEAS
OF ~ COUNTY
CIVIL ACTION - LAW
"NOTICE
"You have been sued in court. If you wish to defend
against the claims set forth in the following pages, you must
take ac~on within twenty (20) days after this complaint and
notice are served, by entering a written appearance personally
or by'attorney and filing in writing with the court your de-
fenses or objections to the claims set forth against you. You are
warned, that ~ you fail to do so the case may proceed without
you ann a juogment may be entered against you by the court
without further notice for any money claimed in the complai~
or for any other claim or relief requested by the plaintiff. You
m~y lose mo~ey u~ p'9~erty or other rights impo~'tant to you.
"YOU SHOULD T~AkE
A~, ~,~ ~F YO" ~' THIS PAPER TO YOUR LAV~YER
n~ u~uo. uu ~0 NOT
....... ^.~ ^~,~ . HAVE A LA%%"~ER OR CAN-
.............. OR TELEPHONE THE OFFICE
"Le hah demandado a usted en la corte. Si usted quiere /
defenderse de estas demandas expuestas en las paginas
siguientes, usted tiene veinte (20) digs de plaso al partir de
la fecha de la demanda y la notificaciOn. Hace faita asentar
una comparencia escrita o en persona o con un abegado y
entregar a la corte en forma escrita sus defensas o sus objeci-
ones a las demandas en contra de su persona. Sea avisado
que si usted no se defiende, la corte tomari/ medidas y puede
continuar la demanda en contra suya sin previo avisoo notifi.
cacioh. Adem~s, la corte puede decidir a favor del deman- ,
dante y requiere que usted cumpla con todas las provisiones
de esta demanda. Usted puede perder clinero o sus propieda-
des u otros derechos importantes para usted.
"LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATA-
MENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DIN-
ERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN
PERSONA 0 LL;~IE POR TELEFONO A LA OFICINA
CUYA DIRECCION 'SE ENC_UENTRA ESCRITA ABA JO ..
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
One Cburthouse Sc~are
4th Floor
Carlisle, PA 17013
(717) 240-6200
EDWARD STOCK, ESQUIRE
I.D.#13657
18th Floor
1608 Walnut Street
Philadelphia, Pa. 19103
(215) 893-9322
Attorney for Plaintiff
DISCOVER BANK, ISSUER OF
DISCOVER CARD, BY ITS AGENT
DISCOVER FINANCIAL SERVICES,
INC.
P.O. Box 6011
Dover, DE 19903-6011
Plaintiff
vs.
BETH A. SHAFFER
124 Rustic Drive
Shippensburg, PA 17257
Defendant(s)
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION-LAW
NO. o.z- 122 b
CIVIL ACTION
COMPLAINT IN ASSU~4PSiT
1. Plaintiff, Discover Bank, issuer of Discover
Card, by its agent Discover Financial Services, Inc.,
is a duly organized banking institution under the laws
of the State of Delaware and has a principal place of
business at the address contained in the above caption.
2. Defendant(s), Beth A. Shaffer, is an adult
individual and resides at the address contained in the
above caption.
3. After application by the Defendant(s) to the
Plaintiff for a credit card account, which application
was approved by the Plaintiff, the Plaintiff issued a
credit card to the Defendant(s) so that the
Defendant(s) could make purchases from merchants, on
credit, who had established a business relationship
with the Plaintiff in regard to the same.
4. Plaintiff attaches hereto a copy of the
standard Cardmember Agreement to this Complaint as
Exhibit "A" which contains the terms and conditions of
the undertaking between the Plaintiff and the
Defendant(s).
5. Thereafter, the Defendant(s) utilized the said
credit card on various and sundry occasions.
6. Plaintiff attaches hereto as Exhibit "B" to
this Complaint, a true and correct copy of the last
monthly statement in regard to the activities in
connection with the Defendant's account and also
attaches hereto as Exhibit "C" to this Complaint, an
Affidavit from the Plaintiff attesting to the present
balance due the Plaintiff from the Defendant(s) in
regard to the said account.
7. Notwithstanding repeated requests and demands
of the Plaintiff upon the Defendant(s) to satisfy the
outstanding indebtedness in the sum of $9,618.09, the
Defendant(s) has and still refuses to pay the same.
8. As a result thereof, Plaintiff has been forced
to incur reasonable attorney collection fees in the sum
of $1,442.71 in an attempt to legally enforce
collection of the debt due it from the Defendant(s),
which reasonable attorney fees are the responsibility
of the Defendant(s) to pay in accordance with the
Cardmember Agreement.
9. THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
W~EREFORE, Plaintiff, Discover Bank, issuer of
Discover Card, by its agent Discover Financial
Services, Inc., demands Judgment against the
Defendant(s), Beth A. Shaffer, in the sum of
$11,060.80, with ~.
DATE: ~//~/22_ interest ~and cos
VHRIFICATIO~
EDWARD STOCK, ESQUIRE, Attorney for Plaintiff herein,
verifies that the statements made in this Pleading are
true and correct and that he is authorized to make them
on behalf of the Plaintiff. He understands that the
statements herein are made subject to the penalties of
18 Pa. C.S.A. Sec. 4904, relating to unsworn
falsification to authorities. ~~
CARDMEMBER AGREEMENT
,~!es'~e reed thi.~ ..%qreememl ~r~fully {ielore 'Jsing your {3isoove¢ Card
Ac:suet. It oontains the terms and condItlen~ nf your Ac:ount, some
whir;'{ may have :hen{led ~m earlier matedalo ~rovided to you. In the
event ef any difference,,, Bis Agreement shall :=nmi.
AGRE:'.'.,IE.,ff TEq,'flH' The '~rd "Account" moses your Oisccver Card
cron;. ,'ne word "Card' means an/one or more disc:var Cards issued to you
cr.s':,'~eOnee!sewith yoursumoru.'~don. Tne',va~s'/ou-', ~tour-,nr~loUrS·
rorer % :.n aadition To you. Be Cardmemcec sa,t cBer'perscn or persons who
a~ dso ccntz~c~aily {ia~le under ~his Agreement ;'ne words %ye", 'us'
'~or' ;.=fur ',0 Greenwood Trust C,',mpanv ne ;sec,, ~f,,. n;, ..... ,...
ACC,'L=T.'giCH OF AGRE'~dE'tT. ~e use of.¢our,~c-~untar .] C4r. ,
znycr, e.~om auaL~O', , ', · 2' dbyyouor
Y m. or,e~it o use your ....:count or a Card, means
you a~st ~is
USE OF TOUR ACCOUNT. You,',.~:~un: may ~ %ed far:.
~:,'w~. in parc ~ or ,~ goods or ser~ ~m Naxos'.~ Network
merr.-.~,'?~ .by presentin~ your Card or ~cccunt number.
· C4sn Ae,'ances..'4 ob~n ~.,zh adv4noes at,'i6vU~3 Cash NaP, york* aoto-
~,'n,~'~ teiter machines, from ~rdc!.=adfi(2 ~n~c:a ins~bns or u~er
.~{.c:,~ce with sucrl add~donaJ terms an,, :cnci~j~)ns as ,'nay be imposed
rrcm ~.me to time.
r-~s,em .o tranmer batances ,mm emer :~c{t ~,'~ ac-~un~ .'nv
m~ns :f ~alance transfer ocuooos ar oi'.ec~, in aeaoma,-.ce .,vi~ such
zc:~cr~ terms anc~ ce. heinous'et ofie.~ an~ '-'e mace from ~me ~ :;me.
.n ~c~.~..,. your ,~c..~unt may {~e used ~ guar-,mEe natal resema~icns at {:ap
-., ~.e. ~nor 4 ~,e ~,me soec,'t;ed h.y ~he :s~iisnment
f~u :.~, :e L%, you wul only u~ your A~oun: f:r :e~cr4L :emily, household
whom =!s [s?ued. 'Ne ~e not reaoons~bte for ~e ~f,~%l cf anyone :o acc~o:
.~b~-.'6RF-~ ~RD US~S. :f you want :o ~-~,~i :~.e zoO':oozed cr ~ermit-
...... c,,. :,,o ue~rcy -:n'/C4ro in ~a: :e~on:s
LI,Az3[II~ FOR UNAUTHORIZED USE. If i Cuo !s :csz :r stolen, :r if you
thick :,hal someone is using your Accoum ar a 04r¢ v4[hcu[ your; ~rmission,
( .CO ~-.~), ar Dy ~r~ng ulSuOVER C..,O, xO ~ox 1515&"~ ming[on,
DE19886-1602. Y -- ~" · · ·
u~. In 3mt ~e, your Iia~iii~/wJil not exceed ~a.co.
CREg~ LIMIT· We will 4~vise you of your cr~R }{mit We may [ncre=e or
d~'~e your cr~aJt ~imlt from 8me [o time. '(co [qre~ Gui Co
at, mot to ~xc~ed your cradR ~im L You 'vii ~=cz~a '/cur e'edit m
alow your unoa aba anco nc'uding ~nan~. ~ar';~ ~' ~-'
~ in your Acc~un[
PROMISE TO PAY. You Igrae {o pay us [n U.S. Cm[a~ for ~tl ¢urcnaes. :ash
~"~ea ar fees, incu~ed by you or ~one you z~onz~ or ¢emR ',o use
for~gn cu~nc/to U.S. Ooi~m ~ a rote ~i~nq cn ~e da:~ of ccm~emion. If
you ~ay us in o~er th~ ~.S. Ootla~, we m~ ~se co ac:ecs ~e :~ment
~e your Account our ~ to convert your ;~,~en: :o U.S. Oa~l~ All
If your ~um Js z joint Ac~u~ ~HC~ of you z~rs~ lc ~e {Table ~ncNduaHy
~a jain~t for ~e m~rs ~cu~ ew~ an ~'cur ,;~;~nc We ~ a~ay late
~e~ er gz~ p~men~ cfc~ and ;;n~/~ ma~ea
~ ~il' er '~5 ~ o~er r~/e ~nda~menl '~cu~ Jasmg ~;y of our
f~ un,er ~Js
MO~LY 31~N6 ~A~E~T. We wilt sa~c you z ~{JlJng sm{m~m
cc~ mon~/~i[ling ;e~ae in '~{c~ you ~a.,,~ z ;~=.~ ~r ~;~k ~z'.~¢e
$~.~O gr more· ~e Oil[Jog s~Emen~ will ~ncw ~1 cc~p~ses. ~n ~c','~czs,
~e h-~sfem. ~n~c~ CP~ ~d ~ ? .-?~. ar fees
~&~ ar o~er c~a~ cc~aH tn,/our A~um ;;~g m e :;{1~ ~ecc~. ;t will
~'~w your New H~ce, MJmmum ~wmem C~ ~n ~zymenl gue
~0~4~ P:W~E~ a~aHs. You m~ ~: zn7 ~m~ ~v the e~ blew
~ce :n~,,vn :n :;cur ~ii[in~ ~me~':ut ~c: xQn~',/au mss:
{~ ~e Minimum ?ivment Oue. All p~megm mcs~ . ~-"~ ....
to '~s ~n Oe~;~ it 20 ~ox ~11, ,:)over. 3E :Sg~OqOil cr ::v :sing ~he
m{c~a in our gist=dan. We m~r/e ~e dgp~'ta ~or/~/men~ ~o :~c~s
.'dIHIMUM .~OH~LY ?AYME¢. ~e Minimum ~tlmeni ~u~ ~ca mon~
~1~. Toe Minimum ~lmec: Cue for ~cn man~/tilling sedco
EXHZB'rT "A"
.x .......... / JSed 4...ucc .avmen[.~. Ho ,,el~., ....r~ ,/Iii be .,lo reduction
;t '/c,J ~?v.. ixc3eo~ 7our ::eaR' ',imJc ,3r you h~v~ z~i~ ~h~ ~mJa ~]~,,v ~j-
:... ~:,,.,,n .~n v~ur ~iJJing s~ment. ~era vail iJso Qe no
............. m ,n ~ca~ smnaing.
~'/~ ~::m ;~c3~a~ ci yoUr'myOSin t~qu~st It you ca ~a~ Fe~ues~
)A~XCE TPJNSFE~S. We may peria~ c~ y o~ar 7cu ~he Op~o~daib/to
· ~, ..... i=~,.~s ,ro~ a~er ~,emt ~a ~:unm ~o your .Account
t~sf~r~; :~l~nc~ ~r~nsTars for ',vMicn ~a initi~i ~cec/aJ rate h~s ~xpired
~h :~r will ccn~n ~ ~x:i~dcn data. If you ~Jm:: to ~sf~r
~ ~s~ ~c~c3. We w~il no~ m~Ke bal~ tmn~a~ ~mo[ad ~y m~
P~!IOOiC ~NC~ C',~GZS. ~:so~ ~ exoi~n~ bmr, Periodic ~nance
~o~c :: your ,~:unt ~r m~ c~as~ aT b~ azihng ~na~ ,n ,vm&~
','1~ 'Nil[ *~ ~ [~1~C~ ~ h~Vlng occu~ea c~ me fi~ c~v of ~ ~/JlJnq
~dc:ng ;aa ~cilcwmq to ~e :aviaus ear's
~zc~ C~i[ C~'/ldo ~Inc~[c ~nanc3 Charges
(2) Previous !i[ling
Per:adic ~nanc3 Char~s are imposed
U~l~.a , .,.CG,C , .,~C. ~,,arg.s ve.e
man: 3,/[~e ?lymen[ Due gate. To ccmcua
(31 Cmiy Pedooic ~a[~ a~a Annua Perc~nE~a Aais
tlc Caiiy Pint,lc ~a[as aooli~le :o aum:~ a~a ~ ~c3s for
FZi~ ie,/ei ~or 'HniC~ 7au ~U~J~, ~ ~x::ainic C~',v.
For :u~osas cf 5ds ,:ornament.
~tr~ .;cutout on :~i Jest :usmass d~/;r ~ ,~cnm. ','lha~ ;~ ~nme
Account ac:iviC/~e.g., a credit isaued fur i re'.umed ourch~se) You will
ouaii~/~oc ~he 5tanoaa Rate ff to.'=, :uab]ed :urcnasee ara'leas than
$5C0.~0, the 8e.'ter Rate ~ total ouaifieo oumhaes are $500.00 or more
but ',ess aao $i COO.Od. and the afar Rati if total qualified pumhaseo are
$10Oo. O0 or more.
· You ',viii goalie/for and rr~ive ne Zest ~te unti your first Annivem,~r~
Oate,.subject to chsqoaJ~c~on. We re:er m the dite ~at is th~ I~'t
. annu,, an..n~ver~cmt o~ .-"ut C~e. ~ your ~nNe.,'sap/Onto. On each
vetoer! ua~e. we ',viii o~erm, ine your ca'.., !evel 5~ed cn tr~ q!Jaiifier~
puroi'~eo for th.e, preceoing 12 ~iiling ;ed.s. The rate love! will apply
!? pure,bases (ioc,uOing ~e ou'~",,~oinq pomt'~e ~,J~ce), beqinnihG on
me next :la't, suaiect to disdualif, m~on. You '~il no~ be etirble for'the
8eli. er P~te or ~e ~.est ~',.a ;'f on '/cur ,~rJver--,..~-i Date you have failed
to make the Minimum ~yment due hy ~e ;:~/~em Oue Date for
consec,,~ge biliinq periods.
If at ~/, ~me you fail to make the .Minimum =a'ym.nt Due {~ ~,e ~avment
Oue Dam ~or :wu cun..%*c~,uve bdl[ng ;er;c~ you',~il be ~ianuai~e~ from
-~e ~er,,,r Rate or~e Ee~, ~e ~ we'~il Change your rate level to Uno
~dard Ra~. ,-ne S ~,n:l Ra~, ,,viii a~ply to purc.-,~ (including the
. p_e.,c~ ~n ,~.~'~ you ~{e,4 to make =e Minimum Pa'/menrOue by the
r~ymerm Due 0.? u.l~'~ij~r next ~niver*'.~rt Data..~ ....
If your ~ou~t ~ ct.a~., the ~m !frei (~,~ is ~e ~d~d' ~ato,
Hr_er ~ or ne Host ~,.) n ",%,.=. on me ~ ','our A~um i '
....... s ¢4.se.d
','dll,?~ly'U~dl yeur ,k~:=um is ~d in tuil, sun{e~tn eisqualifTc~Jon as
· e Pn,.~e Rat~ is tuv,~r .-",~n 10.9% zn~ (b) ?.'!me RaIe plus 8.9 oerdent-
a~e :Dims. '~en ~',e P.'ime Ra~ is ~ 0.~' ... or mom. ]'ne 8~er Ram it an
ANNUAL FE-~C~','TAGE ,=AT'd,:.r ?,'!me ~ .los t 0.9 oe~mr4e poin'~.
but r,~ter ~c~eoinq ne S~ ~o.zm ~-.,~ The 9~ R.~ is an ANNUAL.
FE~CZ.X~G': ~ et .:dme Rz~ olus &~ oe~.~ge eoin~ 7'ce
ter ann Be~ RaiDs ~,ave z minimum ~ I~_9%. ,-h,e Oaiiy Pedo~ic-Ra~s
an<z c~rres:onding ,~nnu~ .--'emen~e Rases in eff.~ on ~',e dale
~gr~mer, t'!s fumzoheC tn vcu L-~ ?.: f,:~ in ~e eflo',osac
Annua Peme.'r-.~:Je Rz'. · for C~h Ac,.a. nc~s .,,
.'i~e ,-VINUAL PER. CaRTAGE ?A~ fur -,~n a',~%,.~ is (al !9.8%~ when
dna ~dme Ram ia lower ~,an 10.'~%. z,'nu ih) ?dme Rat~ 'taus 8.9 percent-
age :om~. '~men ?,e ,=.'!me Raze lo iO.~, or mum. The Daiiy PedeC!c
,q. ac~ ".go CCrt~oonuinq,.Lanua P e.'~. ,~ge Rz~, in ~e~ on ~e daze this
Oisc:csure' or mr.',
<5) AnnualP'.rcenmqe~ateforhLance::-ansf'ers :.,
ut uncer which you maxi '~e :~,anr~ :~n~et. As indicted in ne
Hai,!.nce TranSom Sec'Jan aoove. :umr,~.e ,~e ~ance transf,'er~ will be
su:l~ to the Oaiv .=ene~ic Rate eno ~ocnr~in0 AnnuaJ Pementage
Rate ~har sooty i~ oumr~eo. ',f you receive.., in offer 3nor :o your
m~ot uf ,',his ,-'groomed. ,,-,a Cab' ~=ecc¢ic ~a:as ~ Ao~,u~ Pemem-
zqe ,.R',a~s in effect cn ~.e da~e ~is Ag .nemem is .'~misr, en :o you are ~:
Yc~'~ in tMe enclos~ "..'c, ci{~cna~ casco, gout' :r r4ro c~mer.
T}:L~,NSACIION F-OH FINANCZ CHARGES. ','Va ',viii charge you a Transaction
Fee ~nanc. C,,ar~. or ~.0 ,, ,, ..e =moun{ or .ach new ~n a~vance. ~er~
is i minimum Tansac:!on Fee FiNA,'ICE CHARGE of S2.d0 sod no m~imum
nan~ Charges may result la an ~nnua Perc~n~oe Rate for ~n adv~s
that is hi~ner 5h~ lie nominal ;nnual Percan~oe Raze. ~1 fo~s of ~h
ad~s, inciuoinO t~e usa of Discover Card ch~. re~les~ of ~e pur-
pose for which used. are su~ ~ to T~sa~on Fee ~ce CY~rqes. ~o
obtain the to~l ~n~ca Charge on ~sh ad,~ces for ~cN billing ~edod. we
add any Transac:ion Fee ~n~c~ C~Oes for u~e billing pedcO c~ed un,er
~his s~on to ~mt hdcdic En~%e Ch~es ~cula~d un, ar ~he Periodic
Rn~ce C~aroes sec2on agra.
MINIMUM PERIO01C FINANCE OX~GE W~ will ~ge you [ minimum
Pedo~ic FINANCE CHA~G~ ef &~O for a~ biilino ~enoo in wni%h some Ped-
oaic FINANCE C;~GE et ',ass ~s~ &~O :~ouid o~er~aa ~e ~mpose~.
R~RNE~ C~ECX ~L We'~il c:~e you a Re~me~ C~eck ~ et
~n ~me you pay us wi~ a ch~k that is atumed undo& ~is ~ee '~i[
aUO~ ~ a ~e~it ~n~c~on to a ~eOQSR a~ount from w~q you have a~o-
dz~ ~ in w~nq :o cedoai~N ~edu~ ~1 or a p~ of ~ ~ounUou o~
unaer ~is Aoreemem is amm~ ~npm~.
L~ ~ We ~il cMa~ you a ~m ~ of $20.00 2 you ~l ~ m~e
requi~ paymem w~in 20 o~ a~r ~e P~e~ Due Oats in ~
RES~CH ~E We may cY~s you a R~ ~ of ~.~0 for earn
of a billing sm~eme~ or ~es Slid ~I'/OU r~u~ H~e,/eC we '~ll
O~UM~ ~_ We will cN~e you ~ ~enimK ~ of $15.00 for
2iilinq oedcd in '~icn you exc~'/our cr~o~ lam& This fee m~ be
· /~ fl'~e ~-~n w~i&~ ~us~ 7gu to ~ your ~ limit is aL~O-
~ ~ us or 2 'you ex:~ your credit [im~ due to ~e posing of
c~as or f~s ~o '/our
O~AULT~OLL~O H COS~. You ~e in defauR ~ you ~",~e ;nzc~'~
you file z ~Kmo~/oeU~un or ~e one fil~ a~n~'~u, or ~ you f~i to
~ent ween ~e cc ~xc~ec:2$ your crier i{m~ {f ?gu ~ in defau~ ~o ''vi
s:n~ie a~rneys' fae~ ~n c:u~ cr omar :o{i~on <c~ ~ ;e~i~
~.NC..~OH.. ~u ,,,=/~,~. you[ ,~c..u~ ~ ,,o~png us ,n ,v~n~
amount you owe us acc:r:ing to ;~e terms of this Aqre~menL I[ your
,~ ~r sus3enQ 'your .&~:un~ ~ ~f ~me 'a~ 3o~. We m~
:ec1~re toe ~re :ai~c~ :tveur Ac:eum imme~iaay due and
...... ElL .r ,ve,.ave t ~[e Ce.let ,~t tOU
uno:la cc un',v{ilin~ :u reu~/'/cur :oiiga~ons :o us ~'/ou a~ nsoive~, iivou
fi~e a ~an~ruu~/celt:ice er ~ave one dieu against you or Y you ~ie. We
C3~0S8 nfl[ ~0 [~'N '/CUC A~:UC~ ~8'/CCQ ~e ~X~ ~Ofl ~Zi~ ~ROW~ Off
fa~ of a Car~) withodt
PRIVACY. ~,'/e ~y :nve~uau your c~d t e~mo'~e~ ~d }nc:me
~na'tent~,/our tacit :~fere~ces. We ~so m~ recon:o cr~ ~orJng aOen-
.no 4..,c..s znc= moore, we '~il not refuse Lois ntcrmadon aoo~ your
Ac:oun~ to any o?,er pa~/.',vitn~ut your ~:cr wrlEen ,oer~issi~n :: ',e~l
~r?ou f~[e ~ ban~otcl pet~tle~ or h~ve ~ne filed ~ain~yau. '~e ~y rele~e
mT~en abe~ your A~ount to ~i~ p~rdes who m~y ~is~ cs in enforc-
ing:our dg~ts ?~[ ~s ¢g~ement. We may also include y6ur ~sme
~r~ ~ omer ioent~mg infe~stie~ on (is~ of C~r~memoe~ furnished
to commies s~ling p~uc~ or se~ic~ ~t may be of interest ~ y~u. Our
suoer~so~ pe~onnel m~y ~isten to or r~rd teke~hon& ~is be~een you
~d our ~presenmMv~ in o~er to evaluae ~e ~u~itt of our service
~rd~mbem w~o~ no~ to you..~e ~y u~ ~om~ ~leehcne
merit Or prer~rded mle~none ~ls to ~,fo~ ~Oo~ ~cur.A~unC
you m~ be ~ ~ pm~de ~de~om if our ~o~on ~ts~m ~ not
wo~n~ we m~ nat be ~le to ~o~ ~ 5~en. We '~ ~ot
~o ~ou ~ ~ of ~e ~en~ h~ppen.
noti~, at~e~ ~Q ~a~ befarethe :~n6e ~s ~Q became e~e~e. ~ may
~ff~e d~e ~f the ~ange and to flew ~ade a~ ~at dat~ If you
pay ~ ~e hai~ ~at you 9we us under ~4 e~Jng te~ ~t
~. Usa ~f your ~um a~er ~e effete ~e ~ ~e ~ge ~ll be
~eemed a~p~nce ~ ~e new ie~s as of w~ effe~ date, ~ve~
~iGNM~ OFAC~OU~. We may s~ll, ~n o¢~ir'~br~um or
f
6011 0021 8852 9523
SHAFFER,BETH A
CREDIT LIMIT: 8200
CREDIT'AV~I[: 0
MULTIPLE STATEMENTS
*STATEMENT IS ON HOLD
CAR'~ER STATemENT
CLOSING DATE: 03/30/01
VIEW DATE: 03 / 01
PAYMENT DUE DATE:
MIN PAYMENT DUE:
AMOUNT PAST DUE:
1U:IZ:Zl
N/A PREVIOUS BALANCE:
NONE PAYMENTS/CREDITS: -
0,00 PURCHASES/MISC: +
CASH ADVANCES: +
BALANCE TRANSFERS +
FINANCE CHARGES: +
NEW BALANCE: =
PAYMENTS AND CREDITS '03/31 INTERNAL CHARGE-OFF
UZ/ZS/OZ
9618 09
9618 09
0 00
0 00
0 00
0 00
0 00
9,618.09-
F9-PREV F10-NEXT Fll-VlEW DETAIL
MSG: LAST PAGE OF THE STATEMENT
FS-CBB f6-fC
F14-ADJ F15-REPRINT
EXHIBIT "B"
ATTORNEY: EDWARD STOCK & ASSOCIATES, LLP
6011002188529523
BALANCE: 9618.09
CARDMEMBER (S) : BETH A. SHAFFER
STATE OF OHIO
COUNTY OF.F~LANKLIN
~' ~ personally appeared before me, this day and after
being duly swo~n, according to law, upon his/her oath and says:
THAT he/she is an account manager for DISCOVER FINANCIAL SERVICES, INC.
the servicing agent of DISCOVER BANK, an FDIC-insured
Delaware state bank.
THAT in their capacity as Account Manager Affiant has control over and
access to all records regarding the account of this debtor; further that
the Affiant has personally inspected said account and statements regarding
the balance due on said account. These Records are kept in the normal
course of business.
THAT the undersigned Affiant being duly sworn deposes and says that there
has not been a knowing violation of the State Consumer and Credit Laws
regarding this transaction.
THAT the annexed statement of account, in favor of DISCOVER BANK
is a true and correct statement and there is now due and owing to
DISCOVER BANK, the sum over and above all legal set-offs.
'Attached' hereto as exhibit A is a copy of the terms of the account
which we forwarded with the charge card to the Cardmember(s) .
THAT to the best of the Affiant's knowledge and belief the defendant is
employed in civilian life and by reason thereof is not engaged in the
military service of the United States and is a resident of the State and
of the Country in which this action has been filed.
THAT this affidavit is made on the basis of Affiant's personal knowledge
and in support of Plaintiff's suit on account against said Debtor.
Af f i~t
NOTARY PUBLIC, STATE OF OHIO
MY COMMISSION EXPIRES
Sworn and Subscribed ~e me
this ~day of
Notary Public
In and fo~ [h~ ~tate of Ohio
My Commiss~uq Expires
AUGUS1 ~, 20~
EXHIBIT "C"
SHERIFFIS RETURN - NOT SERVED
CASE NO: 2002-01330 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
DISCOVR BANK ET AL
VS
SHAFFER BETH A
R. Thomas Kline , Sheriff , who being duly sworn
according to law, says, that he made a diligent search and inquiry for
the within named DEFENDANT , to wit:
SHAFFER BETH A
unable to locate Her
COMPLAINT & NOTICE
but was
in his bailiwick. He therefore returns the
the within named DEFENDANT
, SHAFFER BETH A
NOT SERVED , as to
PER POST OFFICE, CURRENT ADDRESS IS
PO BOX 86 BURNT CABINS, PA 17215.
Sheriff's Costs:
Docketing 18.00
Service 13.80
Affidavit .00
Surcharge 10.00
,Q0
41.80
~~So answe ? ~
THOMAS KLI~E
SHERIFF OF CUMBERLAND COUNTY
EDWARD STOCK
04/03/2002
Sworn and subscribed to before me
this /D ~ day of 0~J
~2~ A.D.
Pro~not~ry