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Home My WebLink About06-6275 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff No: 01.. - 1-:;"% C!.iu~l I €.AJ'v\ vs. COMPLAINT IN CIVIL ACTION ARCHIE T STROUD II Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 2718 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 05414394 C A Pit VOC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff Civil Action No ~ - Q~ulLY~ vs. ARCHIE T STROUD II Defendant COMPLAINT 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 appearance personally or by an attorney and filing in writing 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 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 HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. 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 COMPLAINT 1. Plaintiff, CAPITAL ONE BANK is a corporation with offices at 6851 JERICHO TURNPIKE #190 SYOSSET , NY 11791 . 2. Defendant is adult individual(s) residing at the address listed below: ARCHIE T STROUD II 133 KLINE RD SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number 4388641538024824 . 4. Defendant made use of said credit card and has a current balance due of $3610.33 , as of October 04, 2006 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. f 6. Plaintiff is entitled to the addition of interest at the rate of 25.900% per annum on the unpaid balance from October 04, 2006 . A copy of Plaintiff's STATEMENT OF ACCO UNT is attached hereto, marked as Exhibit "1" and made a part hereof. 7. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for judgment in its favor and against Defendant , ARCHIE T STROUD II , INDIVIDUALLY , in the amount of $3610.33 with continuing interest thereon at the rate of 25.900% per annum from October 04, 2006 plus costs. James WELT 436 S Pitt (412 to collect this debt for be used for that purpose. This law firm is a debt collector atte our client and any information obtaine h ~ 00:; peoplepc" online '-'" A better way to Internet. '0 ~. ~~ro ~ ~" · \ 5x faster with .. c:t ... \ FREE Accelerator =-- ' fortnefIfSt12months.-8S60value! UNLIMITED INTERNET ACCESS People PC Online offers the features you would expect tram higher-priced internet Service Providers, including: . 1-888-587-9669 Mention Offer Code: DOLLAR Visit www.peoplepc.com/go/dollar ~ ~ ~ 4P ~c Virus Protection powered by Symantec '" POp-Up Blocker™ Spam Controls Smarter Smart Dialer Technoiogy More Emai! Addresses Internet Cali Waiting 4P f:P Capital One' GOLD \1SA ACCOL"\'T NOI' 02 ~ DEe 0:,2003 P::l.g~ 1 of 1 43B~-64J .;-3802-4824 ACCOlillt Summary Prnious Balance Pavmenrs.. Credirs and. Adiusunems T r~nS<lctjons Finance Charges PaymenL<. Credits and Adjustments $1,892.3f $,OC $64.0( $41.3C ThiE IS Dill third and final noticr thaT your accoum is serIOusly past due. Pavmrn: must Dr receiwd .....'1tIDn 72 hours tC'o avoid a:::tion by our collection department. New Balance Minimum Amount Due Paymen~ Due Date Transactions $1,997.60 $1, 997.M Jan~' 02, 200-1 O? NOV 01 DEe O\'ERLIMlT FEE PAST DUE FEE $29.00 35.00 T mal Credit Line Tota; /1.....'ai.lable Credir Cndit Lin< for Cash AvailablE" Credit for Cash $1,000 $~O(! 51.000 5.00 Your rtguesr!C. close your account has been received. 'Your account 'Will be dosed when it reaches a $0 balance. 'Until then. .'1'01; will cominue to receive statements and must continue to make payments, _AJ.l terms and conditions of the account will apply while ~ balance remains. Piease remember w cut your cards and cancel all charges whie}; automaticall~' bill to yaW' account. At your service You were assessed a past due fee of $35.00 on 12/01/1003 becallSt your minimum payment was not received 'b.... (he due dare of U/Ol/2003. To avoid this fee in the furore. we recommend thar you allow at l~as:: -; business d3}'E for your payment to read: Capital One. . To call Cll.~t(jmer Rclll:ciom Of T(, report a lost or stole'l'l al!'d: 1-800-608-5227 FOI fret onlint account ~erviCt: and special O,.Ln(.rne offen., lQt< (m to W',IO'V.'.capitaJone.l;x.m Send paYllIent: to: Attn: Reminance Processing Capital Ont Se:l''\'ice F.O. Box 85147 Richmond, \'A 23276 Send inquirie. to: EXHIBIT fi / 1/ Capital On~ ~ice F.O. Box 85015 Ridtmond. \'A 23285-5015 ~ ;:: " Finance Charges PZetlJc Jee 1'i'4'n'H si.de for important !,!formafiofi Bai/,ma Tat.: P~~:".ii:: 4ftiid t~ C(Jr71P;J;nc t~~"'8f PlIRCHASES CASH S1.887,05 .Q7046Clt, 153.23 .070lJ6% 25~90% 2~. 90% S4Cdi U~13 :\_ '\'l\:1J.1\.L PERCE:>\T AGE RATE applied this period 25.90% T PLEASE RETllR'\ PORTIO1\' BELOW\NITI-J PAYMENT T CapifalOne' 0000000 0 4388641538024824 01 1997680038001997680 Ne...... BalanCE Mi.nimum .I\.moum Due Payment DuE" DaTE' $l,997.6f $1.997.60 Januar:' 02. 2004 P,ia;s.: .m-in: mniiinr ati4res.< on.i'oo- ':-mP-i.' CM!"t.< j,flO'lI' win[ hw' or io"uk ink. .t...p: 1 :It' Stal' T atal enclosed Account Number: I 4388-1'415-3802-4824 '-iom~ Pb:>n~ A,jt~~n..[, PiY-I~ E..mli:.A.dare3:' .., - - #9023621581'76080::. MP.IL rJ: NUMBER Capi ~al One Bank ?C. Box 85JA'7 Richmond. VA 2327E 1,1"111,,,11'11I,1.11 "" " - - - ARCHIE T STRCH..r: 133 KL!NE RD S"EPPENSBURG FA r 172S':-900E 1"1,1,.11",1,11",1,11"11",11",11".11,,,11,,,11,"11,,,1 - - ~ 1",111",1.,1,1,1,1.1",11,1"11",11""11,,,,11,,,11,1.,,11 Please wriuv~ntT lUCOUn: numk 011 vour chec~ (T' mon~.' order madt payable 1(1 Capiia/ vnE ba.nk IJ.nd mat:' iT: tb. endosed envelope. .' peoplepc" online '--../ A better way to lntemet UNLIMITED INTERNET ACCESS .. 1'~!~:~!:,9!!! Visit www.people::>c.com/go/dolla~ :'~P.l~IP:: IS SOlely resp1)llsit>\<: ic:- tfllS ohe:. ana is nm aff:liauxl witTl Sap/ta! vnE: Caortal DIr.: does no! Pl'Dvio€., endOl"Sf 0' guaranteE.. and is no; affillatf': witt.. any oroOUC! or servlct showr here. Any IraaemarKS meniIOOf': nerern art" saleh owned by the (eso~lV~ entity N, rights reserved. By re6POOtilns; 1D thl~ one:. you may be cnlT1lTlUl'i:::ating tntormatlOf aoou' yourself fr, fhE company fha' proVI~ this produ~ - fo' example, tha' yOlJ arf a Capijai On€- cusicme: '::'eooleOC Oohne: ~irs: 3 montr.s ait" billed at ~.97 per montr: $9.95 oe~ montr: thereafter .)ffe- availablf K neY. dia'-lJr su~iDe.~ a~ leas: 16 yeart of age ant mal' not b~ reaeemec witt any other afiec Ofie' sl.iOlect K cnai"{lf a' a'1,.'IIlTIe PtlOOE' le;::hnr:;:a! Sl1CPor! ava;:able to'" $1.9: per minU1s iA::::eleralOr If tree to' 12 montns. :)fter flood tor i1mileC timE:. Afta' tt"!f frrst ~~' monfns, thE: Accelerated serviCE wi! aut:)!Tj~I\' rever t~ th~ st<Jldarc' FeoplePC Online senn:::e Ofter subleCt !(; cilan~ al anytllliE:. With PeopleoC OnlinE: AccelEM'ateC c-efIah Vvet. oagf tex: anc graphics will load taste' when compared tc standard dlai-up ,metTle sefYlce Actua: resiJtt~ may vary ;'ecOIeP:: Oniine Acceler;HeC ~ onl~; :;omoatibie with ;:"eopteo: Online lmemetservlcf ane '5~iiJeci 'hmoo'NS<< browse~. PeooleP-:' )rUi1e Acc-eleratec I~ no: c-omvaii:)lf witr Wlnoowst\ 9E witt. IE t.: S:'2 &erlltce no.; ia..ailabif; If al: ~. Access tees. 1~, ant amer iea, and restrictIOns may apoly. TetePno'1t tot Charg~ mal! appl)'. even dunl'l9 tria: periods. Yc\,; are resoonsible tor deiermirnrg whetner ~ caI! to one of au' acces.s nUTl'bers WI/ resuh In telephone tol: Gnarges.. Access may tle, ilCt\il.ec., esoe::Aally oonrw' \imes of 1)ea\;. usage:. 01~-ut> nlJTl'lt)e'rS may ~ cnanaee at PeooleDC's discretlOf., Continuous use SUblec': to tlm8OlJ! orocedUTf$. Ali use is Slbec:!C ;:'eoPleP8 Onllne;~ SeM~ Agmemeni ant Acceotabl~ 'JsE. Poil:Y 56K i~ thf' maxEmurn weed of se~VI::;e a::tual ~peec r:\ay 'Jaf)- ~. 2tJ05 ReaDIeD: 11: AI, Right!; Reserved ~eoolePC 8niint anc it~ logos are Tf3.00rnancs 0; DecplePC ir ~ L.:.S and :i1he' covmrie::. e 20:J5 Caoitar One Services In::, Capr.a: 8ne is c federaw; reglsterec servic~ marK, Ali ngntt reservec - - - = - - - - - - - = !!!!!!! - - - - - ", How TII Avoid A Fnance Ch.--ge.. T II Gl'.ce P~. YOl:, will have f minimum grllce penod 01 25 days Wlthol!; fmlmce charge on (leW purchases. new balance- tr~msft!rs. new special purcnases and new other charges it vou pl'l\o your total "New Balance", in accord8nce YViTh thp Imponan1 Notice tor payments belOW and in lime 101 i1 10 be crediled b\,l vou: next statement Closing date There is no Qrace penod on castl advances an~ speCIal transfers, In additior. there is no grace periOd on .ny transaction it you dc, nm pa\l the TOtal -New balance." t Aceruing F....,Cf! Ch-Va. TI",nsaC1iOos whiCh ar!" nol subject to a grace period Ble assessed fInance chBrge 1) troM the date ot the Hansactr(l~ or 2) hOfT! the date the transactIOn is plOcessed T(\ your ACCOUllT or 31 irom the- first calendar dsy 01 the current billing period. AdditlOnslly. it VOlJ did not pay thE' "New Balance" trO"' the pre\lious billing period in full, tinanc:e cha rpes conTinue 10 accruE' to your unpaid balance until the unpllJd balance is paid in full This means thBl you may STili owe finance charges, even it YOll pay the emire New Ba~ance indicaleo on the from oj yOU! stlltement by the nex: statement closing date, but did nOl do so for the previous month, Unpaid finance charges are lidded 10 ThE: applicable segmem 01 YOU! Account. t c Minimum F...8nC1!! a.arve. Fur eacr. billing penod that your lIccoum is subject to c finance charge. a mintmum total ~INANCE CHARG~ of $0.50 will be imposed. If the lOul finance charge resutting Irom ttte application ot your penodilc r81els)IS less than $0 ~O we wil' SUbtract that smoum trom The $O.~O minimum and the difference will be billed 10 the pUlc:ha5e segment 01 your account t d i .mporwy Reduction in Fnence Ch:wga. We reserve the righT to not asses:; Srty 0' al! finance chalgC$ tor any Qlvcn billing period A~ape Dany 8.~ nnctudrlg New Pu-c:n.esl. 8 Rll8nce charge IS calculBted b~' mUl1lplym~ me daily balance 01 each segment 01 vour Ilccoum (e.g.. cash aO\laoce, purchase. special wlnster, and special purch8sei bv the corresponding dail", periodic ratels; that her; been previously disclosed TO you A1 lhe end 01 ead1 Clay during lhe billing pencx:L we applv Ule clalhl periodic rste for each segmem of VOU! accoum to trl€' dailv balance of each segment, Then 8T the end 01 the billing period. we add ~, the resuhs 01 These cially calculatIOns to arrive at your periodic finance charge tOI each segment, We add up lhe lesU~tt from eacr, segmem iO arrtve aT the lotal perioOc flmmCf: ch1trge tor VOlll accoun1. 10 geT The daily balance for each ~enl of your aCCOUnl. we take the beginning balance for each seQmenJ ane lldd any new transactions and any periodic frnance char~e ca\culaled on the previous day's balsnce lor thal segment. We then subtract any pavments or credits poSted as ot that day that are allocated 10 th1l1 segment This gives Lffi the separate dallv balance for ellcr, ~'t1Oerl1 of yoU! accounL However, if you Ilaid the New Balance sho",,", on vour previous 51atement in full (o~ ii you] new balance was 1mr or Il cred'n amount), new trarrsactions which pasl to you: pUlchasf' or special purchase segments are n01 aooec to the daily balances We ca\culau, 1he averllg€ c:Iail\, l1alancf' hv aoeing 1111 the (laily ualances l~the: and dividint/ the SUITI bv the number 01 the days in the current billing cvcle. T C' calculate vour lOtS! finance charge. multiplv vow average daily balance by trle daily periocic tate and by the number of dllvs in the billinQ pertod. Due to rounClrnQ on 13 dai~v basis, there may be 8 s1ighl vat\anr:.e beTween This CJllcuialiQTl ann the amounl ot finl!nct< ctlargt' lIclualiv asse(is~ci t If the code 2 or N appear!' or the trom 01 this statemeni ne)(\ 1~ - P>alanct: Halt App\~ec "'[ c,. we multiply the averaoe clailv balance 0< eaer, Sleoment by your monthl\' :::/3241V periodic lale, To Obtain the 8verllrJE' dail'V balance to\ the billing period covered b~ thi~ statemen:, \/lie take the beginning b6lance of each segment each dB,"'. add any ne\ll:' transacllons lCi each segment. and subtract. an.... pavmerns or credits.. (11 thEe code N appeart on the front of this statement flex: 10 "Balance Rare ArPlied To: we also subuaC1 an\,l unpaid finance Ch8trJe induned ill the balance of ead1 segmem.l This pives us the dl:lil". balance ot each segment Theil, we add up all the daily balances tor each segment 101 the billinQ period and dvide by the t01al number of days 10 the billing period, This give$ us the Bverape dallv balance 01 each segmenr. 3 AInIal P..clntlilf!iJ. R._, lAPR\. 13 The term -Annual Percentage Rate' may apDear as 'APW on lhe trom 0' this Slalement b If the code P (Primel. L {3.mo UBORi, C (Certificate 01 Deposlti, or S (Bank.card Primei appear$ on the horn ot lhis Slalement neXT to the periodic ralelsl. the periodic lales and corresponding ANNUAL PERCEtlITACt RATES ma~ vary QUarterly .nd mal! increue or decrease based on 'ttlf: Slated uncas, 8$ 10und ill The We/f Street Journal, plus the margin previoosly di.5dosed. to vou These changes wilt De etfe~trve on the flrsl dav of your billinQ penod covered by your periOdic sta1emenT ending in the months JarlUlJrv. Apri~, JuI~' aod Octobet c If the COde D {Plimel. F (1.mo, UBORI or G (3"mo L1BOR Repriced MonthJv) ,tlPpears on the front. of, your statement nelC to the penodic rale{S.l. the penodic t8tei: and corresponding ANNUAL PERCENT AGE RATES may vln", monthly and may increase 0' decrease based on the stated indices, as found ir; The Wai: Srreel JCJ(Jmaf. pius the margin preYiously dIsclosed tc' you. These changes vvilt be effective on [he filSl day of your billing period each month 4 Assessment of L-.., ~limlt MId Rtltu'ned P.ymWll: FlHts. y OLlr accoum will be aSsessed no mOle than iW(l of the 1ee~ its\6d he~ thllT occur during 8ny billing periOd Undet the tenns of your cuStomer agreement,. we re:s~rve thE: right 10 waIve OT nOT 10 assess an", 1ees WIthout pnor notification 10 you without wai ving our righl to assess me same or similar lee$ a1 ~ latel time 5. i Renewng yOU' AcCOl.l'1t. If B membership tee appears on the fronT of this 818tement, 'IOU haVE 30 clays from tht: dlJte this $t:atement was mailed 10 you to avoid pay;ng the tee Of 10 have such lee credited 10 VOl' i1 you cancel your account. !.AJring this period, VOU mal( conTInue 10 use your BC~Ounl "'-"TnmI: havrng to pSy the membership tee, To cancel yoU! account. VOlI mUSt notify us by Cl:lliing our Custornel Relatrons DepBnmem 8nd pey your -New Balanct:' in full le:ll:cludlng the membership feei prior TO the end 0.1 the thllty-day period 6. If You CkJse y~ Account:. You ::an lequeSllo dose your account by (".ailing our Customer Relations DepanmeJ11, You must destroy YOUI credil car(Us) and accOUn1 aCcess checks. canc;e: aU pleauthOriled billing., and cease usintyour account 11 you do not cancel p'e8urhon~ed billln~ arrangemenrs, we wll conSider receipt 0.1 b COlllge VOlJl authoriza11on to reopen your acc:ourn Addilionall\, vou! Itcc:oum 'AliH nOT be closed until you pay alt amounts vou owe us including: 8n~' transaCtions you have atfthorized, finance charQes, past due: fees, overlimit lees, returned pavmen1 fees, cash advaTlCe fees and any othe' lees assessed TO your account. You IHe respoflsibi€ fa' these amounts wnether theV appear or, your llCCQum a; The lime you request lC close fht: account or lhey life incurf8C SltlseQuenl to \IOUI reques: TC clOSt: the aCGOUnl This may result ir charges apoeartng or. vour accoun~ atter ",ou have reaues1ed me accoun: to bE' closed 01 the reODenlO(J 01 \IOU! 8ccoum i1 i~ has alreao~' been closed F-or elUlmple if you authoriled II purchase hom a melchanl and we receivp tht: H8nSllction flOm the merchlrm atter ,,"our accoul"ll has been closed. YOUf aGCOUOl Vllill be reopened the amoum ot the c::narge Will be added 10 YOll' accoum and VOl! will be lesponsibie for pB'(fTlent 111herf: is II membership \tlt: \01 )'WI accoom, the t~t< will c:ontinue to be churged. 10 the extent pennined 1:;1.,. la\lli, until the 8ceoum balance has been pale in full as oehnec above Using Y04S A~.YQul caTO 01 accounl cannOl bf; used in connectIon will", any imernel pamblnlf lranAActloos BILLING RIGHTS SUMMARY (In Case Of Errors Or Questions Abou1 Your Bill; 11 'f0lJ tt'Ank. VO\Jl bill is wronQ. 01 i1 you nfleO man:' mformatlon on a transactIon Of bill, wnte to us Qf! e SepJHBle shee1 a~ soon liS poSSiblP 81 The addre!'l$ tor inql.ilies shown tIf\ the f1um 0\ lhi~ Sl81emem We must hear from vau no laTer than 60 dayS aher we senT you the first bill on \/\thich the error or problem appeared. You can cal\ OUI CuS\ome\ Relations numbel. bu1 doing St' >M-}l nOT p'e$erve yoUl rig-ns In y(llJr lenel, gIve Ul> the toUoWlnQ information: YOUl name arlC aCCOUTl'l number. the collar amoum 01 the S\.lspect~Q enOl. a deScrij)1iorr 01 1he error and an explanation, il possible, of why vow believe there is an e'rror; or if VOil need more InformatIOn, a deSCription of th€ item you tlfe unsule abou\. yO\) DOnat .have 10 pay any amount In questIOn while Wf' are InvestIgatIng It, but you are Still Otliigs1ed 10 pay the parts of your bill thai are not in queStiOf\, wrile we in~igale )/QUI question. ~ carnal report YOU as cielinquem or lake any tlction to coUeC', the amounT VQU question t ..t Spedal Rule F-o! Credit Card Purchases If \IOu have a prOblem 'Nith the qualitv of prope"V or services that you purchased with 8 credit card Bnd vou have tried m good faith to correct the problem llllith the merchltnt, you may haYe the right rrol to p<:!V the lemaininy amount due on the plope"v or services, You have this protection only when the purchase price \/\Ia!; mOff tllat'l $E>C.OO and tht< purchll8e was m80e in 'four hOMe Slate 01 within 100 mile$ of your mailing address. 111 we own (lr operale The merchant. or if we mailed VOl! the advertisement for The property C.If services, aU purdlases are covered regerdless of amOUfll Of location of purcha~e.) Ple8S€ remembel 10 sign all correspondence "7 f.JoBs nol applY to consumer non-c,-edfi card accounts :: Ones not 8ppl~' l() IJdsines.c: non.crean cllrd 8CCOunt5 CRPltal One suppom: information privacv proreClion see our wellsilf' al ww"",cHpiu:rl~.com Capita,l One IS- a federa:"y leglSlered servlC;t: marll Df Capttai One Hroaoclal CorporaTIon, A\' right~ reserved c- 2:>0::: Caoi-:al One 01 LGLBAK Import_ ~: Your paVf1len: will be credilec w your account as of tne dale we rt'lcelW! it, plOvided vou send the bon om portior, of ttlis stateme01 and your cne:;:k In tlw enclosed reminance en\letope, and VOW pavmen1 is receIved ir' OU: processing Cenle! by 3 p.m Paymems ad(!ressecl m 01.1' Vll{Jlnih or Georgia processtOQ cente, must be rece\ved on 11 buSiness dll\' b'f 3:00 p.m, Ei. Payments addresseo 10 OUl Washington processinQ cernal must be received or. .B buslness dtJ~' by 3~OO p.m. PT, Please allow a1 leas: five (5: bUSiner.: days tor postal deilVCry Payments received by U!' 81 any othe' locatiorr or irl aoothel form may ocr. be credited the same OIIv Wfl receive them Our business days are Monda~ throuph Saturffi!v, exciuding holida",s. Ple8!1t': do no; ust< staples, paper clip~. etc, ~efI preparing vour payment. When VOll ~d us.a checkts). you aUThorize us to make l:l one-time e~ectronic transte! debi', irom YOU! ban.. account to\ the amOUN 01 \tlt: checl<. This alJtholl2lttlon applies to all cheCks received dunnl< the oill1n{l cycle even H sem by someone else 11 we cannOl orocess the transfer yOU aUThorize u~ TO make ~ cha~ against vow bank acc;oun~ using tI1~ checl:.. a paper drah or mner l1em !!!!!!! !!!!!!! - - - - - = !!!!!!! - - = !!!!!!! - - - === - - VERIFICATION to unsworn falsifications to authorities, that he/she is The undersigned does hereby verify subject to the penalties of 18 P A. C.S. 4904 relating )/, c-no le-.Jeennely (NAME) / /' 'I i~ J !'~,_ /" Lpp' h I i/' ~ ,'- ''--.. of c. Ersen-\-- (TITLE) , plaintiff herein, that (COMPANY) 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 his /her knowledge, information and belief. ~~ turYv#=i- (SIGNATURE) WWR# c.JS~ L( ;' l/> c;./ I (/ - (") ~ iQ. t 0 ~ r-...) ""'- 0 c:::> 0 ~ c.:> 0"" 11 0 -I ~ (~) III B F! --; nlp \' !'..) [Ii o~; r' ~ ~'~j CJ >' f ''J ' , -.-,,:.... :,~~ ~ -. c..) 5;3 ~ 0 ~.D -.l .< SHERIFF'S RETURN - REGULAR CASE NO: 2006-06275 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CAPITAL ONE BANK VS STROUD ARCHIE T II BRIAN BARRICK , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon STROUD ARCHIE T II the DEFENDANT at 1635:00 HOURS, on the 1st day of November, 2006 at 133 KLINE RD SHIPPENSBURG, PA 17257 by handing to TRACY STROUD, 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 Affidavit Surcharge So Ans;~~ Sworn and 18.00 17.60 .00 10.00 .00 ,/ 45.60/ (~ / :Lj tJ t. / 0 ~ Subscibed to R. Thomas Kline day 11/02/2006 WELTMAN WEINBER1 REIS By: /1[;) 11. Deputy Sheriff before me this of A.D. f . , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No. 06~6275 ARCHIE T STROUD II Defendant PRAECIPE FOR JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment against Defendant, ARCHIE T STROUD II , in the amount of $3,61 0.33 plus costs, based upon the consent of the parties. CONSENTED TO: WEL TMAN, WEINBERG & REIS CO., L.P.A., ARCHIE T STROUD II , By: r . J J- / . ') Atto~~~ BY:~~~~ Defendant WWR#05414394 ~. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No. 06-6275 ARCHIE T STROUD II Defendant STIPULATION OF THE PARTIES FOR PAYMENT AND FOR THE ENTRY OF JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment in favor of Plaintiff and against the Defendant, ARCHIE T STROUD II , above-named, in the amount of $3,61 033 pursuant to the Stipulation of the Parties for Payment and for the Entry of Judgment by Consent, as follows: 1. Defendant admits indebtedness to Plaintiff in the amount of $3,61 0.33 with continuing interest thereon at a rate of 6.0% per annum plus costs from OCTOBER 4, 2006. 2. To secure the repayment of said indebtedness, Defendant agrees that Judgment by Consent will be entered in favor of the Plaintiff and against the Defendant, ARCHIE T STROUD II, in the amount of$3,610.33 plus continuing interest thereon at the rate of 6.0% per annum from OCTOBER 4,2006 and costs. 3. Plaintiff agrees not to execute on its Judgment so long as Defendant causes to be delivered to Plaintiff the following payments in full by 12:00 NOON on the following dates: (a) $150.00 due by JANUARY 5, 2007; (b) $150.00 due on the 5TH day of each consecutive month thereafter until the Judgment amount plus accrued interest and costs are paid in full. .. 4. All payments are to be made payable to the order of " CAPITAL ONE BANK" 5. All payments due under this agreement are to be received at the offices of Weltman, Weinberg & Reis, Co., L.P.A., 2718 Koppers Building, 436 Seventh Avenue, Pittsburgh, PA 15219. 6. In the event of default, each payment received shall be first attributed to costs, interest and then to principal. 7. Time is of the essence of this agreement and should the Defendant fail to have in the hands of Plaintiff or Plaintiffs counsel any payment in full within five (5) calendar days of the stated due date, then Plaintiff shall be immediately free to issue Execution as well as pursue all other remedies, in law or in equity, to collect the full balance ofthe Judgment entered hereunder plus appropriate additional interest and costs. 8. No act or omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute a waiver, estoppel, or any other excuse for non-performance of any duty undertaken by the Defendant in this Stipulation which the parties agree is final and complete. 9. Intending to be legally bound, the parties set their hands and seals this \ lday of :f!~""I./o"":i 01 20 WELTMAN, WEINBERG & REIS CO., L.P.A. By: illia . Mo1czan, Es ire PA 1.0. #47437 WEL TMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR No. 05414394 By:A~ Defendant, ARCHIE T STROUD II t p ~ ~ - ~ - ~ ...:.l ~ t w ".. t ~ ~ \ ~ ()o.J ~ - ~ tlu ~ ~ ...c . 0- o -d ~ E ~ ~ c;:> ~ ~~ :3; f ~ ;; :?:J C( v) (}~(:\\ ~ ;.;-IL) ..;.- ~;:: en :::: S~ . . "T.>- O ~:t ~.~ J 5/'L( I L( :) 1 L( 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CAPITAL ONE BANK Plaintiff vs. Civil Action No. 06-6275 ARCHIE T STROUD II Defendant NOTICE OF .JUDGMENT OR ORDER TO: () Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order ~r Judgment was entered against you on J~ .2.3, :J.oo7 (xx) Assumpsit Judgment in the amount of $3,61 0.33 plus costs. () Trespass Judgment in the amount of $ plus costs. () If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, P A. (xx) Entry of Judgment of () Court Order () Non-Pros () Confession () Default () Verdict () Arbitration () Award (XX) By Consent Prothonotary ARCHIE T STROUD II 133 KLINE RD SHIPPENSBURG,P A 17257 BY"~ PRO. ONOT UY'y)