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Home My WebLink About06-2440 , BURTON NEIL & ASSOCIATES, P,C, By: Burton Neil, Esquire Identification No, 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK (SOUTH DAKOTA) NA 70 I East 60th Street North, Sioux Falls, SD Plaintiff IN THE COURT OF COMMON PLEAS v, CUMBERLAND COUNTY, PENNSYLVANIA '------ NO, [:)l, - .J.4Lf6 CL~L jf;L~ AUDREY J GUISTWHITE 1309 Apple Drive, Mechanicsburg PA 17055-3928 Defendant : CIVIL ACTION - LAW COMPLAINT 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 (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claim 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 for any other claim or relief requested by the plaintitI You may lose money or property or other rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE ALA WYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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 REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc, 32 South Bedford Street Carlisle, P A 17013 Telephone No, 717-249-3166 or 800-990-9108 C-9364 1111111111111111111111111111111111111111 111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111I111111111111111I111111111111111111111111111 BURTON NEIL & ASSOCIATES, p,c. By: Burton Neil, Esquire, LD, No, 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITlBANK (SOUTH DAKOTA) N,A, 701 East 60th Street North, Sioux Falls, SO Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v, NO, O~ - c24lj() CiUlL 10L~ AUDREY J GUISTWHITE 1309 Apple Drive, Mechanicsburg, PA Defendant : CIVIL ACTION - LAW Complaint 1, Plaintiff is CITIBANK (SOUTH DAKOTA) N A, with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota, 2, Defendant is Audrey J Guistwhite, who resides at 1309 Apple Drive, Mechanicsburg, Cumberland County, Pennsylvania, 3, Plaintiff is a national banking association, engaged in various types of banking business including consumer lending through the issuance of credit cards, 4, Plaintiff furnished consumer credit to the defendant by means ofa(n) AT&T Universal credit card with account number 5398550017224158 hereinafter referred to as the credit card account. 5, Plaintiff kept accurate running records of all debits and credits to the account. 6, Plaintiff mailed to defendant monthly statements for the account including the billing statement attached hereto as Exhibit A, The monthly statements accurately stated the previous balance, the debits and credits to the account for the prior billing period, 7, Before plaintiff mailed Exhibit A, defendant had for many months made payments on account of the billing statement or retained the statement without payment. 8, Defendant's actions as set forth above constituted an account stated between parties for the sum of $5,966,30 which sum reflects the Exhibit A statement balance less credits, if any, which were applied subsequent to the date of Exhibit A, Wherefore, plaintiff demands judgment against defendant for the sum oj $5,966,30, and the costs of this action. / The law linn of Burton Neil & Associates, p,c. Your AJ3if' llniwrsal card Statement November 1 - December 2, 2004 AUDREY J GUISTWHITE Account 5398 5500 1722 4158 Calling Card + PIN No Annual Fee/Platinum Card Quick Reference Minimum Payment Due...................................... $5,966.30 Due Date'" ........................................... December 28, 2004 ~Payment must be reteived by 1:00 pm Iccal time on the paymem dUIII date Amount Past Due.................................................. $667.45 Amount OVer Limit............................................... $496.30 Credit Line......... Available Credil....... Cash Advance limit....................... Available Cash Advance Limit.. . ........ $5,470.00 $000 .., $4,000.00 .... $0.00 Account Summary .E!.e.'iiOlJ!=; R~I;mce Paymp.nl!=: :'l[trl AdjLJ""tm~mt~ MaSIArr.:.1rn Activity Tot:!1 AT&T SArvicp.<:; New Balance Note: Detailed activity starts on page 3. 5 7n4 17 n nn 7n nn n nn $5,966,30 ~AW Universal Card Page 1 of 3 How To Reach Us Visit: www.universalcard.com Customer Service: 1 800423.4343 or write Cardmember Services, PO Box44167 Jacksonville, FL 32231.4167 Account protection. Your account protection enrollment has been cancelled on your account effective 11/01/2004. Help is available! Please call the toll-free number shown above to learn about our special payment options. Please give us the opportunity to assist you. date paid amount paid check #- Pleas@ follow paym@nt Instructions outllnMl In the Ulmportant Instructions lor Maklnq Pavm@nts.. section 01 the statement. 05398550017224158596630999995815 Y_ Account Number 5398 5500 1722 4158 DEe 28 2004 $5966.30 ptease Enhr AlTIOllnt of Paymltnt Enelolied ."""""_D~ I $5966.30 $ P.lymlntOutDltt Your Total Balane. 528S Me 32 A 1 AIl.7051279 1...111.1111111111.1..1.1...11.1.1...11.11111.11...1.1.....111 AUDREY J GUISTWHITE 1309 APPLE DR MECHANICSBURG PA 17055-392B 111..,1...1,11..11.."11.,1..1",.1111..",.11,,.111 AT&T UNIVERSAL CARD P,O, BOX 8101 S HACKENSACK, NJ 07606-8101 11,1.1"111.,111,1,11I1,1,,,111111,,11,.1.111.11,,11.11,1..111 EXHIBIT _ /' ,./ l~ .t;J?j;:i_ if AUDREY J Gi..JlSTWHITE Account 5398 5500 1722 4158 November 1 - December 2, 2004 ~JO".-r Universal Card Page 2 of 3 In the return envelope, please: 1 Make your check payable to AT&T Universal Card. 2 Enclose your check or money order. Include your account number and name on the front of your check or money order. Please, no cash or foreign currency. 3 Enclose your payment coupon. Do not staple or tape It to your payment. Insert the payment coupon so that the entire A T& T Universal Card address appears through the window 01 your remittance envelope. AUDREY J G'UISTWHITE Account 5398 5500 1722 4158 November 1 - December 2, 2004 ~ JO".-r Universal Card Page 3 of 3 AT&T UNIVERSAL MASTERCARD ACTIVITY Purchases...................................................................................................................................................................0.00 Cash Advances and Checks.................................... ............ ............ ............................... ................ ......................... 0.00 Fees............................... ............................... ................................................................................. ................ 70.00 Total MasterCard Activity................................................................................................................................... $70.00 PURCHASES Total MasterCard Purchases.................................................. $0.00 CASH ADVANCES Cash Advance Limit.. .." $4,000.00. .This represents a portion of your total credit line. FINANCE CHARGE INFORMATION Days In Balance Periodic Transaction ANli1JAf. NomInal Periodic x BlIllnq , Subject 10 lJ/14!{g + ree/~ PERC~NTAC~ APO Rate Period Finance Charqe QIA/IlU: QIA/IlU: IlAH PURCHASES Standard Purch 28.740% .07874%{D) x 31 x $320,46 $7.82 + $0,00 28.740% Purch/CashAdv thru 03/02/04 28.740% 07874%(D) x 31 x $5,502.19 ;:: $134.31 + $0.00 28,740% CASH ADVANCES Standard Adv 28,740% 07874%(D) x 31 x $0,00 $0,00 + $0.00 28,740% Total FINANCE CHARGE $142.13 FEES Standard Purch Tr::ln<: Po!>t ___P/n~ 17/07 Total Fees r:1I~<:r:riDtinn I ATF FFF - NOV PAVMF"NT PAST OUF OVF"R CRFOTT I IMTT FFF Amount l~ 00 l~ 00 $70.00 AT&T SERVICES SUMMARY AT&T Universal Calling Card Calls ................................................................. $0.00 Verification I, Anthony Draper am an employee of Citicorp Credit Services, Inc., (USA) which is by contract the service provider for plaintiff Citibank (South Dakota) N.A. retained to perform services including but not primarily limited to collecting delinquent debt. I am authorized to make this verification as attorney-in-fact for plaintiff under powers of attorney from plaintiff to Citicorp Credit Services, Inc. (USA) and to me. The foregoing averments of fact in the within pleading are true and correct to the best of my knowledge, information and belief. I understand that the statements made herein are subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to the authorities. Date: '0- ~-d\W S;g",'"re r!~!::xc~ j ,~b>,J 'trlOrt1nA (::> .;.L+ 8 7::J rc U{ \1- \\ .If'1, lI( - ~ C) ..:t .....) c3 "'v ~ ,- ~ \) ...1::. ~ ~ -r:-- .~ f · CITmANK (SOUTH DAKOTA) N.A. 701 East 60th Street N, Sioux Falls, SD 57117 Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL Y ANIA YS. : NO. 06-2440 AUDREY J GUISTWIDTE 1309 Apple Drive Mechanicsburg PA 17055-3928 Defendant : CNIL ACTION - LAW Praecipe for Default Judgment To the Prothonotary: Please enter judgment by default for want of an answer in the above case in favor of the plaintiff and against the defendant, and assess damages as follows: Principal: $5,966.30 TOTAL $5,966.3 0 Understanding that false statements herein made are subjectto penalty under 18 Pa. C.S. ~ 4904 relating to unsworn falsification to authorities, I verify that: 1. The above are the precise last-known addresses of the judgment debtor and creditor. 2. The annexed notice of intention to file this praecipe was mailed to all parties against whom judgment is to be entered and to their record attorneys, if any, after the default occurred, and at least ten days prior to the date of the filing of this praecipe. 3. Pursuantto Section 20 I (b)( I )(A) of the Servicemembers Civil Relief Act of2003 (SCRA), the defendant is not in the military service of the United States based on information received from the defendant and/or the Department of Defense website. /_ JUDGMENT BY DEFAULT ENTERED AND DAMAGES ASSESSED AS ABOVE. NOTICE IVEN UNDE A.R.CIY.P.236 SOCIATES, P.C. Pro ii, Esquire Attorney r Plaintiff 1.0. #1134 1060 Andrew 've, Suite 170 W. Chester, PA 19380 The law firm of Burton Neil & Associates is a debt collector. C-9364 1111111111I11111111111111111111111111111 IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII~IIIIIIIIIIIII11111111111111111111111111111111 . . . f . C-9364 Plaintiff vs. : IN TIm COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLV ANlA : NO. 06-2440 CITIBANK (Soum DAKOTA) N.A. AUDREY J GUlSTWHITE Defendant : CIVIL ACTION - LAW Notice of IntentioD to FUe Praecipe for Default Judgment TO: Audrey J GuistWhite 1309 Apple Drive Mechanicsburg PA 17055-3928 IMPORTANT NOTICE You are in defauh bcc:ause you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or obligations to the claims set forth against you. Unless you act within ten (10) 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 notice to your lawyer at once. If you do not have a lawyer or cannot afford one, go to or teleph.one the following office to find out where you can get legal help. 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 REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street Carlisle, PA 17013 Telephone No. 717-249-3166 or 800-990-9108 DATE OF NOTICB: May 15, 2006 .._-By: Burton Neil, Esqu' Attorney for P . ff Identification No 11348 In making this communication, we advise our office is a 1060 Andrew Dri e, Suite 170 debt collector. West Chester, PA 9380 (610) 696-2120 1...11111 1.118111.1111111 < l c -;:v ~ -4g. () ,..., 7'~ :{) = 0 \l:- e = --n ~ ~:;~ "'" C> ~J~' <- .... Q)L:' c::: ::t:-n () .- lTtp 0:\~. 1 -ol'i~ ~ .... ~ :uc! ~ ~ Cf' ,;~C) r.;:;..\ -y'-; , ~ - .' p 32~, - -~.. , :;;;;.: "~.c -7 .I ~ ~ 5> ~-' "9 ~5rn E C .,'/ ;; ~ 't ~ . -' '< F: -..(, I BURTON NEIL & ASSOCIATES, P.C. BY: Burton Neil, Esquire Identification No. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 ATTORNEY FOR: Plaintiff CITIBANK (SOUTH DAKOTA) NA Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYL Y ANIA YS. : NO. 06-2440 AUDREY J GUlSTWHITE Defendant : CIVIL ACTION - LAW RULE OF CIVIL PROCEDURE NO. 236 (REVISED) Notice is given that a JUDGMENT in the above captioned matter has been entered against you on --.J/~ .)~ I. :J n{)~ I Prothonotary ~~~ If you have any questions concerning the above, please conta . Burton Neil, Esquire Attorney for Party Filing 1060 Andrew Drive, Suite 170 West Chester, PA 19380 Phone: 610-696-2120 The law firm of Burton Neil & Associates is a debt collector. SHERIFF'S RETURN - REGULAR CASE NO: 2006-02440 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CITIBANK (SOUTH DAKOTA) N A VS GUISTWHITE AUDREY J SHARON LANTZ , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon GUISTWHITE AUDREY J the DEFENDANT , at 1616:00 HOURS, on the 3rd day of April 2006 at 1309 APPLE DRIVE MECHANICSBURG, PA 17055-3928 by handing to JACK GUISTWHITE, SON a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. ~ "1).llj.()1.,. 18.00 11. 44 .00 10.00 .00 39.44 So Answers: -r~~~~~ Sheriff's Costs: Docketing Service Affidavit Surcharge R. Thomas Kline A.D. 05/04/2006 BURTON NEIL By, ~ } ~ / ep'u~1-sheri f Sworn and Subscribed to before me this day of Prothonotary UNITED STATES BANKRUPTCY COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA INRE: AUDREY.J. GUISTWHlTE Debtor : IN BANKRl)PTCY : BK. NO. 1-06-01488 : CHAPTER 7 PROCEEDING AUDREY J. GUlSTWHITE Movant : LIEN AVOIDANCE : COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLV AMrA v. : NO. 06-2440 CITIBANK (SOUTH DAKOTA) NA Respondent ORDER OF C;OURT VOIDING JUDICIAL UEN AND NOW, this ~ day of a... ~ f .2006. io co_tio.. of the within Motion for Order Avqiding Judicial Lien, file by Counsel for the DebtorlMovant. the Court finds the Respondent has fililed to file an Answer or otherwise plead to the Motion for an Order Avoiding Judicial Lien filed on 7/ ~ ~ I 0 ~ , and duly served upon the Respondent; therefore, the Court orders judgment in mvor of- the DebtorlMovant, Audrey J. Guistwbite. and against the Respondent, CitJbank (South Dakota) NA, as to the relief requested in the Motion. IT IS HEREBY ORDERED, adjudged and decreed that the judgment lien held by the Respondent, is hereby declared void in its entirety and of no further furce and effect as it violates. it U.Sc. Sf!ctiori 547 (l:l)(4){~) ~J'!ti 5n(h)a~ e preferev.ce ~~ ~terf~ with I I US C. Ser.riM.5?~~"~ and 522(t)(l). FILED I AUG HARRISBURG PA 2 8 m1R BY THE COURT: Clerk, U.S. Bankruptcy Court ~~ Ba ge -W' ..'........RTIFIED FOO~" TPC::: Rcr:O'R'D thO ,?-I^- I:",.,t:; r. ~VI ,!t.. '-'-' . ,.. IS_ day of _{2ch,k~__,__~,_, 20 r:?fr -, .' U ,.: \"' --..: .' .""..' ~~~~~^---;= -29 _ ~~~ r \).J ~ ~ . ~81= p . ~~ .0 ...c:.. - - ~ - ~ ....." ? ~ .. V\.. % r-' -r:':"",) C-:,"2 ,J" N 1'>: 0',