HomeMy WebLinkAbout06-6484
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
vs.
CIVIL-LAW
JIN K. KIM,
: DOCKET NO. t)(P - IA&-L/
ewJ
Defendant
NOTICE TO DEFENDANT
TO THE DEFENDANT:
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 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 TIllS 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.
Pennsylvania Lawyer Referral Service
100 South Street, PO Box 186
Harrisburg, P A 17108
800-692-7375
717-238-6807
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
717-249-3166
~~
LAURINDA 1. V ELCKER, ESQUIRE
Attorney for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
vs.
CIVIL-LAW
DOCKET NO. 0 t. - t. t.J 3' '(
JIN K. KIM,
Defendant
COMPLAINT
The Plaintiff, Remit Corporation, by and through its attorney Laurinda J.
Voelcker, Esquire, hereby files this Complaint of which the following is a statement:
1. The Plaintiff, the Remit Corporation is a Pennsylvania Corporation doing
business at 36 West Main Street, P.O. Box 7, Bloomsburg, Columbia County,
Pennsylvania 17815.
2. The Defendant, Jin K. Kim, is an adult individual residing at 4205
Chestnut Street, Camp Hill, Cumberland County, Pennsylvania 17011.
3. Defendant obtained a Platinum Select Mastercard credit card on or about
October 1, 1997 from Citibank (South Dakota) National Association (hereinafter
"original creditor"), Account number 5410 6584 1051 9878.
4. Defendant used the extended credit leaving an unpaid balance of
$11,075.56 with interest continuing to accrue at 29.74% per annum.
5. Defendant's last payment on this account was made on or about June,
2003.
6. On or about September 8, 2005 Remit Corporation purchased the account
of Jin K. Kim from Unifund CCR, the previous owner of this account. The sale includes
the transfer of all right, title, and interest in the account to Remit Corporation. A copy of
the relevant document for this transaction is attached hereto, incorporated herein and
referred to hereafter as Exhibit A.
7. To date the balance is $7,353.03 principal and $3,722.53 interest for a
totalof$II,075.56.
COUNT I
BREACH OF EXPRESS CONTRACT
8. The above paragraphs are incorporated herein as though more fully set
forth at length.
9. In consideration of the extension of credit provided by original creditor
through a credit card, Defendant agreed to pay for all charges for purchases, balance
transfers, cash advances, fees and interest on his account.
10. The reasonable charges and expenses owing for the credit card purchases,
cash advances, balance transfers, fees and interest is $11,075.56.
11. Defendant accepted the extension of credit and utilized the credit card
without complaint, objection or dispute as to credit services provided, the prices charged
for the same or the costs incurred.
12. Defendant is indebted to the Plaintiff in the amount of$II,075.56.
Defendant has failed and refused to pay the aforesaid sum despite frequent demand to do
so and the same is now due and owing.
13. Defendant's failure to pay is a breach of the express written agreement
between the Defendant and original creditor. Pursuant to Pa.R.c.P. No. 1019(i), a copy
of this writing is attached hereto, incorporated herein and referred to hereafter as Exhibit
B.
WHEREFORE, Plaintiff, Remit Corporation, demands judgment against the Defendant in
the amount of$II,075.56 together with interest, costs, attorney fees and such further and
additional relief as this Honorable Court deems just and equitable.
COUNT II
BREACH OF IMPLIED CONTRACT
14. The preceding paragraphs are incorporated herein by reference and made a
part thereof as if fully set forth herein.
15. It is averred, in the alternative, in the paragraphs set forth above, if an
express contract between original creditor and Defendant did not exist, that a contract
implied by fact or implied by law exists.
16. At all times relevant hereto, Defendant was aware that the original creditor
was extending credit services to him and that the original creditor expected to be paid for
the Defendant's use of this credit.
17. Defendant used the credit card to purchase items, and/or transfer balances,
and/or obtain cash advances and he received the same to his benefit.
18. The total reasonable value of the Defendant's use of the credit extended by
original creditor is $11,075.56.
19. In breach of the implied contract, Defendant has failed and refused to pay
the outstanding sum for the credit card use and the same is now due and owing.
20. The Defendant has failed and refused to pay the aforementioned sum
despite frequent demand to do so.
21. By virtue ofP1aintitP s purchase of this account and the assignment of all
rights to the Plaintiff, Defendant is indebted to the Plaintiff in the amount of$11,075.56.
WHEREFORE, Plaintiff, Remit Corporation, demands judgment against Defendant in the
amount of$11,075.56, together with interest, costs and such further and additional relief
as this Honorable Court deems just and equitable.
COUNT m
OUANTUM MERlUTIUNJUST ENRICHMENT
22. The preceding paragraphs are incorporated herein by reference and made a
part thereof as if fully set forth herein.
23. Original creditor provided the extension of credit as set forth above with
the expectation of receiving payment for all use of this credit including, but not limited
to, purchases, cash advances, balance transfers, fees and interest.
24. The credit extended by original creditor benefited Defendant.
25. The Defendant will be unjustly enriched ifhe is allowed to retain the
benefit resulting from his use of the credit card provided by original creditor without
having to make reasonable payment for the value of the benefits received from the
original creditor's provision of credit.
26. The original creditor was not a volunteer in providing the credit services
set forth above and the Defendant understood that original creditor was entitled to
compensation based upon his use of the credit card.
27. The reasonable value of the Defendant's use of the credit card including
purchases, balances transfers, cash advances, fees and interest is $11,075.56.
28. By virtue of the Plaintiffs purchase of this account along with the
assignment of all relevant rights thereto, Plaintiff, Remit Corporation is entitled to
$11,075.56 from the Defendant and frequent demand for said sums has been made and
the Defendant has failed and refused to pay the same.
WHEREFORE, Plaintiff, Remit Corporation, demands judgment against Defendant in the
amount of$11,075.56, together with interest, costs and such further and additional relief
as this Honorable Court deems just and equitable.
Respectfully submitted,
Laurinda J. V oelcke , Esquire
Attorney for Plaintiff
P A ill #82706
Remit Corporation
36 West Main Street
Bloomsburg, P A 17815
570-387-6470
State of Ohio)
County of Hamilton) ss.
AFFIDAVIT AND ASSIGNMENT
Kim Kenney, being sworn, deposes and says that she is Media Manager ofUNIFUND CCR
PARTNERS herein called assignor, which is doing business at 10625 Techwoods Circle, Cincinnati,
OHIO 45242 and that she is authorized to make the statements and representations herein. There is due
and payable from
JIN K KIM, Acct. #5410658410519878, SSN: 192726555, as of the 01128/2004, the amount of
$7353.03. By the terms of the agreement between the defendant and the original creditor, interest is
accruing at the rate of 29.74 percent per annum.
This account was originated with Citibank (south Dakota) National Association. Unifund CCR
Partners purchased this account from Platinum Select. Said agreement was hereby assigned, transferred
and set over unto REMIT CORPORATION on 09/06/2005 with full power and authority to do and
perform all acts necessary for the collection, settlement, adjustment, compromise or satisfaction of said
claim.
The affiant states that to the best of the affiant's knowledge, information and belief there are no
uncredited payments, just counterclaims or offsets against the said debt. Further, the undersigned
acknowledges that in making this assignment, the assignor has made a complete assignment of said debt
and that REMIT CORPORATION is now the owner thereof, and they have complete authority to
settle, adjust, compromise and satisfy the same and that the assignor has no further interest in said debt
for any purpose.
DATED this Q day of July, 2006.
EXHIBIT
lF~lt~~ERS
I
A
By: Kim Kenney
Media Manager
Title
10625 Techwoods Circle, Cincinnati. OH 45242
Address
Subscribed and sworn to before me this 6-day of July ,2006 by
Kim Kenney Media Manager ofUnifund CCR Partners.
My commission expires:
/
Client # 634 ,\\\1\\\1 II "Ii III NOTARY SEAk
~,,"\~~.\~.~..~/II//'l/JENNlFER A. DUNCA \
j~?~\\\ 1/01~ % NOTARY pUBLIC
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CITIB,L\NK CARD AGREErvlE~JT
This Agreeme!it and the foider containing the card are your Cilibank Card
Agreement. The folder contains important account information, including the
annuai percentage raie and the amount of any membership fee. Please read
and keep the fclder and this Agreement for your records.
To simplify the rest or this Agreement for you, tile following definitions wi!!
apply. The words you. your. and yours mec.f1 the person responsible ior this
Agreement, to whom we direct the biiling statement. The word card me3ns
one or more cards which we have issued with 'lour account number. The
'Nards we, us, and our mean Citibank (South D'akota), ~L~. The words
eitibank checks mean one or more checks that 'tfe ma'/ provide to access
your Citibank card account. This Agreement is binding' an you unless you
cancel your account within 30 days after receiving the ~ard and you have not
used or authorized use of your account.
Using Your Account and Your Credit Line:
The card must be signed to be used. Your initial credit line appears on the
folder containing the card. A portion of your credit line, called the cash
advance limit, is available for cash advances. At our discretion and at any
time, we may change your credit line or cash advance limit. We will notify
you if we do, either by mail or through a billing statement sent either before
or atter the change takes effect. You may request a change to your credit line
or cash advance limit by contacting Customer Service by telephone or mail.
The full amount of your credit line is available to buy or lease goods or
services wherever the card is honored. Your cash advance limit is available
for cash through any bank or automated teller machine that accepts the card
or by using Citibank checks. The total amount charged on your account,
including purchases, balance transfers, cash advances, finance charges, fees,
Or other charges, must always remain below your credit line. However, if that
total amount exceeds your credit line you must siiU pay us.
Additional Cards:
You may request additional cards on your account for yourself or others
and you may permit another person to have access to the card or account
ntlmber. However, if you do, you must pay us for all charges made by those
persons, including charges 10r which you may not have intended to be
responsible. You must notify us to revoke permission for any person you
previously authorized to use your account. jf you tell us to revoke another
person's use of your account, we may close the account and issue a new
card or cards with a different account number. You are responsible for the
use of each card issued on your account according to the terms of this
Agreement. -
Membership Fee:
The folder containing the card indicates whether your account is subject to a
membership fee. if it is. the fee is added to the purchase balance and is non-
refundable unless you notify us to cancel your account within 30 days fiOm
the mailing dats of the billing statement on which the fee is billed.
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Citibank Checks:
C;tib~nk ;;!lecks m~'I be used to purchas~ gaGes ~rd s€r'J!(;~s or 'C cotalr; cash
up to t[;e amcunt of 'lour aV::lilabie cash aevance hmit lJr.i~~s that amount will
caUSE the balar:ce to ~:(cee.j your credit line. We 'Niil treat Citibark checks 3.5 a
cash advance ano charge them against your cash advance limit. tJ.ch Citib:!nk
.:heck must he :n the ir,rm we have issu~d and must be IJsed accore!ing to any
insiructions 'Ne ~!\je jeu. Citibank checks may be used .:ni/ by ~he person whose
na;'ne is prir'.t<:C on itlerrL Citibaok checks ma'! :1et C€ USed to Q~'i .i[1'/ Mf1QUc;t
(lv/eel to us under this or any other Citibank 6rd rl.greemen. \{'/e' 'N\i( not certi!'!
Jny Citibank cr,eCKS. nor wil! wr; return paid Citit;:.nl< checks.
Returned Citibank Check Fee:
",V:: .'N!!! zldd :J. S29 fee to rhe cl!sh adtJaf1.ce bal;nce Jw~ decline :0 rcrl!Jr z:
C~tibank ch:.sk. \l.Je 1;1-;Y decline to flonor J Citihank che({ If. ~or ~;<j[';":piE. tf'ie
..,:'iL.~,;: ~i :!-;::>:';:~. ....:_:.~:;;.~_: :~: :.:::':.:.:-~;:: ;"::"'; -:.~< :::C~ --:\,/",.0'; iirr:!'
or credit Ene, Ii you default, il you did not complY with our il1SHUCtiOflS regarding
the check, if 1'our account l,as been closed. or if the card has e~pired.
Stop Payment Fee:
We wiil add il $29 fee to the cash advance balance 'fIhen payment of a Cttibank
check is stopped at your request. You may stop payment on a Citibank check by
notifying us in writing at P.O. Box 6500, Sioux Falls, South Dakota 57117 or by
calling us at the telephone number listed on the billing statement. If you call, you
must confirm the cail in writing within 14 days. A written stop payment order will
remain in effect for six months unless renewed in writing.
Once a charge is made through the use oi the card or account number we
cannot "stop piiyment" on the charge. If there is a dispute involving a charge on
Y'~i;r "cc:Junl. please refer to the section entitled "What To Do If There's ",n Error
In four Biii"".
Lost or Stolen Cards, Account Numbers or
eitibank Checks:
if ,,"y card. account number or Citibank check is lost or stolen or if you think
::.~mf;o:~e used or :nay use them without your permission, notify us at once by
c~lling the telepho~e number shown on the billing statement or the number
,.i)t::!rj[;j ~.\' callin\' lc,n.free or iocal Director:,! Assistance, We may rSQuire you to
~rc'iide certain intermation in writing to help us find out what happened. Don't use
the card or the Citibank checks after we've been notified, 5'Jen if they are found
or returned. You may be liable for unauthorized use of the card. but not for more
than S50. You won't be liable ior unauthorized ourchases or cash advances made
after we've been notified 01 the loss or the theft; however, 'IOU must identify lor
us the charges on the billing statement that were not made by you, or someone
authorized by you. and from which you received no benefit.
Default:
You default under this Agreement if you fail to pay the minimum payment
listed on each billing statement wl1en due, fail to make a payment to any
other creditor when due. tile for bankruo!cv. exceed 'lour credit line without
oermission. pay by a check or similar instrument that is not honored or that
we must return because it cannot be processed, pay by automatic debit that
is returned unpaid, or default on any other Citibank Card Agreement. If you
de!tiult, we may close your account and demand immediate payment of
the full balance. If YOIJ ha'Js given us a security interest in a certificate of
deposit or a savings account, we may use the deposit amount to pay allY
amount you owe.
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VERIFICA nON
I verify that the statements made in the foregoing Civil Complaint are true and
correct upon my personal knowledge or information and belief I understand that false
statements herein are subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn
falsification to authorities.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
vs.
CIVIL-LAW
JIN K. KIM,
: DOCKET NO.
Defendant
AFFIDAVIT OF NON-MILITARY SERVICE
The Defendant is not now in the Military Service, as defined in the Soldier's
and Sailor's Civil Relief Act of 1940 with amendmen~ not has been in such service
within thirty days hereof.
Dated tbis )fi./::~rOctober. 2006
;t/~
Laurinda J. Voe ker, Esquire
Attorney For Remit Corporation
Attorney ill 82706
36 West Main Street
Bloomsburg, P A 17815
(570) 387-1873
Request for Military Status
Page 1 of2
Department of Defense Manpower Data Center
OCT-13-200610:01:26
Military Status Report
Pursuant to the Servicemembers Civil Relief Act
..:. Last FirstlMiddle Begin Date Active Duty Status Servicel Agency
Name
KIM JINK Based on the information you have furnished, the DMDC does not possess
any information indicating that the individual is currently on active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center,
based on the information that you provided, the above is the current status of the individual as to all
branches of the Military.
~}1r. ~-~
Mary M. Snavely-Dixon, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
Arlington, V A 22209-2593
The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx. #167;#167; 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act
of 1940). DMDC has issued hundreds 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 referenced above, or any family member, friend, or representative asserts in any
manner that the individual is on active duty, or is otherwise entitled to the protections of the SCRA,
you are strongly encouraged to obtain further verification of the person's active duty status by
contacting that person's Military Service via the " defenselink. mil " URL provided below. If you have
evidence the person is on active-duty and you fail to obtain this additional Military Service
verification, provisions of the SCRA may be invoked against you.
If you obtain further information about the person ( e.g., an SSN, improved accuracy ofDOB, a
middle name), you can submit your request again at this Web site and we will provide a new certificate
for that query.
This response reflects current active duty status only. For historical information, please contact the
Military Service SCRA points-of-contact.
See: http \VW\\ .defenselink.mil/faq/pis/PC09SLDRhtml
https://www.dmdc.osd.mil/scralowalscra.prc_Select
10/13/2006
Request for Military Status
Page 2 of2
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.
Report W:PYWHUDODEM
https:l/www.dmdc.osd.miVscra/owa/scra.prc_Select
10/1312006
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
vs.
CIVIL-LAW
JIN K. KIM,
: DOCKET NO.
Defendant
CERTIFICA nON OF ADDRESSES
I certify that the precise address( es) of Plaintiff and Defendant( s) are as follows:
Plaintiff: Remit Corporation
36 West Main Street
Bloomsburg, P A 17815
Defendant: Jin K. Kim
4205 Chestnut Street
Camp Hill, P A 17011
Respectfully submitted,
~ill2
Laurinda J. Vo er, Esquire
Attorney for Plaintiff
P A ill #82706
Remit Corporation
36 West Main Street
Bloomsburg, P A 17815
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THE REMIT CORPORATION
Laurinda Voelcker, Esquire
36 W. Main St
Bloomsburg, P A 17815
Telephone 570-387-6470
Fax 570-387-6474
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
vs.
CIVIL-LAW
Defendant
: DOCKET NO. !Jt:, - {,4' g'(( 4J
TIN K. KIM,
PRAECIPE FOR ENTRY OF APPEARANCE
Kindly enter my appearance on behalf of Remit Corporation, Plaintiff, in
the above captioned matter.
Respectfully Submitted,
THE REMIT CORPORATION
~~ j~/( ---
LAURINDA 1. VOELCKER, ESQUIRE
Attorney For Plaintiff
PA ill # 82706
36 W Main St
Bloomsburg, P A 17815
570-387-6470
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2006-06484 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
REMIT CORPORATION
VS
KIM JIN K
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
KIM JIN K
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT & NOTICE
, NOT FOUND , as to
the within named DEFENDANT
, KIM JIN K
4205 CHESTNUT STREET
CAMP HILL, PA 17011
DEFENDANT HAS NOT LIVED AT GIVEN ADDRESS
SINCE JUNE 2003.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
So
-~
Sworn and
18.00
13.20
5.00
10.00
.00 _/
46.20V
~ njll.!Ol.
Subscribed to before
REMIT CORPORATION
11/15/2006
County
me this
day of
A.D.
! I
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY
COMMONWEALTH OF PENNSYLVANIA
REMIT CORPORATION,
Plaintiff
: CIVIL ACTION - LAW
vs.
JIN K. KIM,
: NO.: 06-6484
Defendant
PRAECIPE TO REINSTATE COMPLAINT
TO THE PROTHONOTARY:
Please reinstate the Civil Complaint filed in the above matter.
Respectfully Submitted,
THE REMIT CORPORATION
~J~QlliRE
Attorney ill 82706
Attorney for Plaintiff
The Remit Corporation
36 W Main 8t
PO Box 7
Bloomsburg, P A 17815
Telephone 570-387-6470
Fax 570-387-6474
-------
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