Trial: DISCOVER BANK VS. TIMOTHY DUGAN et al

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SUPERIOR COURT OF CALIFORNIA
COUNTY OF SAN FRANCISCO

Document Scanning Lead Sheet
Mar-14-2012 10:57 am

Case Number: CGC-11-512328
Filing Date: Mar-14-2012 10:57
Juke Box: 001 = fmage: 03533301
DECLARATION OF

DISCOVER BANK VS. TIMOTHY DUGAN et al

001C03533301

Instructions:
Please place this sheet on top of the document to be scanned.Tara Muren, Esq., SBN 260154

Michael Mixer, Esq. SBN 99073

John Clinnin, Esq, SBN 153881

CREDITOR IUSTUS ET REMEDIUM, LLP

8665 Gibbs Drive, Ste 150, San Diego, CA 92123
Tel: (858) 496-8909

Fax: (858) 496-5977

Attomey for Plaintiff
DISCOVER BANK

SUPERIOR COURT OF THE STATE OF CALIFORNIA
FOR THE COUNTY OF SAN FRANCISCO
DISCOVER BANK, CASE NO. CGC-11-512328
DECLARATION OF PLAINTIFF IN LIE
OF PERSONAL TESTIMONY AT TRIAL
[CCP §98]
DATE SET FOR TRIAL: 04/09/12

TIME: 09:00 A.M.
DEPT: 206

Defendant.
DATE ACTION FILED: 07/08/2011

Plaintiff,
vs.

TIMOTHY DUGAN,

ee ee ee ee ee

I am a Legal Placement Account Manager for DB

Servicing Corporation (hereinafter “DISCOVER”), the servicing agent of Discover Bank, an
FDIC insured Delaware State Bank. I hereby declare under penalty of perjury under the laws of
the State of California that the following is true and correct. If called as a witness, I could
competently testify to the matters stated herein:

L. I am a competent person over eighteen years of age and duly authorized agent
for Plaintiff. In my capacity with Plaintiff, | have become thoroughly familiar with the manner

and method by which Plaintiff maintains its normal business books and records for its

outstanding credit accounts.

1
DECLARATION OF PLAINTIFF'S REPRESENTATIVE IN LIEU OF PERSONAL TESTIMONY AT TRIAL
[ccP §98]27

28

2. In my capacity as a designated agent of the Plaintiff and my familiarity with
the books and records of Plaintiff, as they relate to delinquent credit accounts which, I can attest,
from my own knowledge, that Plaintiff maintains computerized account records for credit
accounts owned by Plaintiff for customers having credit accounts which have been established
with Plaintiff. These business records are kept in the ordinary and regular course of business by
employees of Plaintiff who are charged with the duty to record any business act, condition or
event onto computerized records, with the entries made at or near the time of such occurrence. It
is the duty of these employees to maintain such records both accurately and correctly as part of
their business duty. I have personally reviewed the computerized records as they relate to the
Defendant, TIMOTHY DUGAN, which particular account is sued upon in this action and this
Declaration is based upon that personal review of the business records of Plaintiff.

3. Once accounts are opened, computerized ledgers are maintained by the
employees of Plaintiff and constitute the principal record establishing the amounts due and
owing to Plaintiff for any and all transactions involving all financial aspects of the individual’s
account(s) including credits, debits, and the balance outstanding for purposes of invoicing and/or
determination of a current outstanding balance. In accordance with the business practice of
Plaintiff, a written statement of account is provided to each account customer on a monthly basis
setting forth the financial history of the account from the date of the previous statement to the
date of the current month’s statement.

4. The account sued upon herein is a Discover Credit Card Account which
Defendant TIMOTHY DUGAN requested to open with Plaintiff, account number ending in
soba oe 5743 (“the ACCOUNT”), a true and correct copy of the terms and

conditions/agreement/disclosure (collectively known as the “Contract”) are attached hereto as

2.
DECLARATION OF PLAINTIFF'S REPRESENTATIVE IN LIEU OF PERSONAL TESTIMONY AT TRIAL

(cceP §98]Exhibit “A,” and incorporated herein by this reference. Plaintiff is the owner and holder of
Defendant’s ACCOUNT to the exclusion of all other persons and entities.

5. Plaintiff sent out statements to Defendant, one of the most recent of the
attached statements of account was sent on or about December of 2010, a true and accurate copy
of such statement as well as additional statements on the account are attached hereto as Exhibit
“B,” and incorporated herein by this reference. The Statement dated December 15, 2010, reflects
the then current balance of $9,705.20 owing.

6. In the regular course of its business, on or about November 30, 2010, it
became apparent that Defendant was not disputing this ACCOUNT was owing in the amount of
$9,705.20, plus interest accruing at the contractual rate of 16.99% as prayed for in the
Complaint. However, Defendant was refusing to pay any of such amount owing, Plaintiff
obtained the services of CIR LAW OFFICES in order to pursue the balance owing on the
ACCOUNT. Since that date, $9,705.20 remains due, owing and unpaid, although demand has
been made therefore.

7. I am informed and believe and thereon allege that CIR LAW OFFICES sent
the Defendant a validation notice which complied with the Fair Debt Collection Practices Act
and the Rosenthal Act on or about January 6, 2011, $9,705.20 was due and owing as of that date.
Defendant completely failed to respond to the validation notice sent by Plaintiff's attorneys.

8. Plaintiff warrants the correctness of the outstanding balance on the
ACCOUNT. Defendant has acknowledged and concurred in the amount of the balance by not
disputing the balance stated in any of the statements (Exhibit “B”) or the attorneys’ validation

notice. Plaintiffs employees and Plaintiff's attorneys had a business duty to enter into its

3.
DECLARATION OF PLAINTIFF'S REPRESENTATIVE IN LIEU OF PERSONAL TESTIMONY AT TRIAL
[cep §98)business records in the regular course of their employment any dispute by Defendant on the
balance stated pursuant to the attached statements (Exhibit “B”), if the Defendant had disputed
the obligation. I have searched Plaintiff's business records and have not located any notation of
a dispute of the obligation by Defendant.

9. On November 30, 2010 the outstanding balance on the Defendant’s account
was $9,705.20, Defendant still owes this amount, since Defendant’s account was assigned to
Plaintiff's attorneys, plus interest accruing at a contractual rate of 16.99% which is $1,648.91 per|
year and approx. $4.52 per day (based on the principal balance). Despite Plaintiff's demands,
including the demands of CIR Law Offices, LLP, no payments have been paid on Defendant's
account with Plaintiff.

10. Plaintiff has attached a true and correct copy of the terms and conditions of
the ACCOUNT and/or Disclosure as Exhibit “A” and incorporated herein by this reference.
Acceptance and use of the credit account constituted the cardholder’s acceptance of all of its
terms and conditions and the cardholder has, therefore, become liable for reasonable attorney’s
fees and court costs as a result of the need to enforce this debt by legal action. Plaintiff is
entitled to attorney’s fees at the default rate schedule or in an amount to be shown at trial and
court costs in the amount of $294.50, or in an amount to be shown by memorandum of costs to
be filed.

11. Pursuant to CCP §98, for 20 days immediately prior to trial, this declarant is
available for service of process via Plaintiff's Counsel, Tara Muren, c/o ABC Legal, located at
304 12" Street, Oakland, CA 94607, for 20 days immediately prior to trial.

WHEREFORE, this declarant respectfully requests that the court enter its judgment in

favor of Plaintiff DISCOVER BANK and against the Defendant TIMOTHY DUGAN, in the

4
DECLARATION OF PLAINTIFF'S REPRESENTATIVE IN LIEU OF PERSONAL TESTIMONY AT TRIAL

fccP §98]sum of $9,705.20 with prejudgment interest thereon as prayed for in the Complaint at the
contractual rate of 16.99% per annum from November 30, 2010 to the date of trial, calculated at
the yearly rate of $1,648.91 and the daily rate of $4.52 totaling $2,240.72, attorneys fees
according to the default rate schedule or according to motion to be filed, and court costs of
$294.50 or according to a memorandum of costs to be filed.

I declare under penalty of perjury under the laws of the State of California that the

foregoing is true and correct, and if called as a witness, I could competently testify to the matters

stated herein. Executed at , on this a i
day of key » 2012.

5.

DECLARATION OF PLAINTIFF'S REPRESENTATIVE IN LIEU OF PERSONAL TESTIMONY AT TRIAL
[CCP §98)‘examinations under oath and will produce tor examination all writings,
books of account, bili, invoices and other vouchers, or certified coples
thereof if crigina's are lost, at such reasonable time and place as may be
designated by the Company or its representative, and will permit extracts
and copies thereof to be made. No such examination under oath, exami-
nation of documents or any other act of the Company, its employees or
representatives ir: connection with the investigation of any toss or claim
will be deemed a waiver of any defense and such acts shal! be deemed to
have been made or dane withaut prejudice to the Company's liability.

No Benefit to Others: This coverage will in no way inure dhectly or
Indes to he benefit of any sires, person or ergenzeton or ether

lee,

Subrogation: tis a condition of this insurance that if the Company pays
the Insured for a ‘oss, it will require the Insured to assign and tran: any
claim or tight of action against eny individual, firm or corporztion for suc
loss to the Company or iubyogate co hold in trust al such rights to the
extent of es mount paid ne Insured “are be to take acon, 13s
requested by the Company to enforce such rights. Upon payment by the
Company to the insured, the Insured agrees to direct enforcamert cfaueh
rights as reasonably requested by the Company ‘and to return to the
Compa any recovery to the extent payment of tess has been made by
the Company.

Arbitration: In the event of a dispute under this policy, either the Company
‘oF the Insured may make a written demand for arbitration, in that case,
the Company and the insured will each select an arbitrator. The two arbi-
trators will select & third. Hf they cannot agree within 15 days, elther the
Company or the insured may request that the choice of arbitrator be
submitted to the American Arbitration Association. The arbitration will be
held in the state of the insuredts principal residence.

GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS

The Global Traveler's Hotline provides Cardmembers and theit families a
wide range of fee travel assitance benefits. t s cpercted by AKA
Assistance USA, nc. Vsit Discovercard.comfravel tc lean more
Eligiaiity. You must be a Cardmembar whose Account isin good standing,
‘tne Cardmembers spouse or oependent child traveling with the Card:
member of an Authorized User of an Account in good standing

‘Third-Party Charges, Giobal Traveler's Hotline is not insurance, so you will
bbe responsible for ali third-party fees and expenses for services requested,
such as professional or mecical fees,

Avalinbilty of Servieas, Certain services may not be avaliable in all areas,
all us at /-800-ISCOVER (1-200-349-2683) for asitance of you have
Questions about a specific destination. Outside the US, call us collect 2t
1-£0%-902-3100. While AXA Assistance will make every reasonable aifert
to provide the services, nelther AXA Assistance nor Discover Bank or cur
respective affiliates wil! be lieble if a service is not provided or for any
services that are provided by third parties. The services and these terms
and conditions are subject to change withaut notice,

225-

DISCOVER

CARD

YOUR DISCOVER® CARD
ACCOUNT

CARDMEMBER AGREEMENT.

+» Pages 1-13

The terms and conditions of your Account, including
how we calcuiate finance charges, our fees and an
Arbitration of Disputes section, You have the right to
reject the arbitration provision with respect to your
new Account within 30 days after receiving your Card,
as explained in the "Right to Reject Arbitration”
section at page 12.

PRIVACY POLICY,. . Pages 13-16
A summary of the personal Information we coliect,
when It may be shared with others and how we
safeguard the confidentiality and security of
information, You may limit our sharing of such
information with others as explained in section 4 of
the Privacy Policy at page 15.

BILLING RIGHTS. Pages 16-17
Important information about your rights and our
responsibilities under the Fair Credit Billing Act.

DESCRIPTION OF COVERAGE, =. Pages 17-25
The terms and conditions of the Scheduled Air Trave!
Accident Insurance and the Secondary Rental Car
Collision Coverage that is provided at no charge to
you when you use your Card to purchase airline
tickets or rent an automobile,

GLOBAL TRAVELER'S HOTLINE. «Page 25
The terms and conditions of this free travel assistance
benefit,

‘© 2007 Discover Bank, Member FOIC MORAGR.1007TL19vee

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~

15 SDSN6AO1 0000646
TIMOTHY DUGAN
860C MACARTHUR AVE
SAN FRANCISCO CA 94129-4051

Address, e-mail ar telephone change?
Go to www.Discover.com ot print change in space above.

4
Please make check payable t¥fscover Card,
Minimum payment due includes a past due :
ammount $1,049.00. Phone and internet i
Rayments must be made by 5:00pm ET for same

day posting. i
Y & paferless and make your account L
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperiess.

IOS DOL

PO BOX 6103
CAROL STREAM IL 60197-6103

OOG00198645071982474 9097 052000000000970520

Opening Date: December 1, 2010 - Closing Date: December 15, 2010

Discover More Card Account Summary

Account number ending in 5743

$9,705.20
Payments And Credits : 0.00

Previous Balance

Purchases + 0.00
Balance Transters + 0.00
‘Cash Advances + 0.00
Interest Charged + 0.00
Foes Charged + 0.00
New Bolance $9,705.20

See Interest Charge Calculation section following
transactions for detailed APR information

Credit Line $8,600.00
Credit Line Available $0.00
Cash Advance Credit Line $0.00
‘Cash Advance Credit Line Available $0.00

Opening Cashback Bonus Balance

New Cashback Bonus This Period
Cashback Bonus Balance

To learn more, log in at www. Discover.com

3 £asy Ways fo Contact Us
1. Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER (1-800-347-2683
s@ have your Discover® card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT'84130°
For TOD {Telecommunications Device for the Deal)
assistance, please call 1-800-347-7449,

page 1 of 2

Payment Information
New Balance

Minimum Payment Due™
Payment Due Dote

"Includes past due amount of $1,649.00

Late Payment Waming: If we do not receive your minimum
Payment by the date listed obove, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 21.99% variable.

$9,705.20
$9,705.20
Janvary 10, 2011

Minimum Payment Waming: if you make only the minimum

payment each period, you will pay more in interest and it will

IF you would like information about credit counseling services,
coll 1.800.347.1121.

Manage Your Account Online at www.Discover.com

* Access free online tools like Paydown Planner to create « plan
to down your ince, securely access statements, pay
bills online and easily track all transactions

* Make your money worth moreSM—find easy ways to earn
and redeem cath rewards ¥

+ NEWI Access your account securely through your
mobile phone

—_—_ eee

Transactions

Date Date. :
Fees TOTAL FEES FOR THIS PERIOD j

Interest Charged
010 Totals Year-to-Date

TOTAL INTEREST FOR THIS PERIOD $ 0.00
BR nn 72
2

TOTAL FEES CHARGED IN 2010 $
TOTAL INTEREST CHARGED IN 2010

PLAINTIFF’S
} EXHIBITwo yosue

Pe et
Interest Charge Calculation *~”

Your Annual Percentage Rate (APR) is the annual interest rate on your account.

ANNUAL PERCENTAGE BALANCE SUBJECT TO ANTEREST CHARGE
Current Billing Period: 15 days RATE (APR) INTEREST RATE
Purchases. 16.99% V $0 $o
Cash Advances 23.99% V $0 $0
V = Variable Rate
Additional important information

important information, Hibere is mere then one pagel this iling stalament, see the back ofeach pags or addionaimpereninloation,
See your Cardmember Agreemen’. Your Cordnember Agreemart contains othe term of your Account
Lost or stolen cards, Report immediatly’ Call 1-800-347-2683.
Whet To Do IF You Think Yau Find A Mistuke On Your Statamant
F you think there isan error on your slatement, write mo us at Discover, PO Box 20421, Sait Lake: ‘City, UT 84130-0421
In your letter, give us the following information.
+ Account information: Your nome andl account number
+ Dotler emovnt: The dollar amostt of the suspected error
4g Detcipton of Problem: Hyou tink thre son arto an your bil, describe wher you believe is wrong and why you boleve 3 sa minake,
You mus! contact us within 60 days afar the exsor appeared on your salemen,
Pere snetty ta ofa patentalenars mwriing, Yeu may callus, bud yow do we are notrequted ie investigate any potent ertors and yeu may hove to
[pay the amount in question.
‘While we lovesigate whether or nol hare has been an ertor, the following are me:
+ We cannot tty to callect the amount in question, oF report you as delinquen’ on Ihat omount
+ The chowge it question may remain on your siakement, and we may continue lo charge you interest on thal emeunt Bot, if we determine that we made a
mistake, you will no! have 1o pay the omoust ir question or any interest or other fees releted te thot omroond
+ While you do not heve 10 poy the amount in quesiion. you aie responsibe forthe temaindet ol your balorce
= We can apply ony unpaid amount ogeinst your credit limi
Your Rights if You Are Dissatisfied With Your Credit Card Purchases
regia dnstiied wih he goods or savices hal you howe nurchosed wth your cre card, and you have ied in good fath comme the
roblem with the merchant, you may have the right nol fo pay the remaining omeun due on the purchase.

1 The barrie mua hove ber radi in your home slate ox within 100 mies at your cuter! mailing address, and! he purchase price must have
een more than $50, (Note: Nether of hese ore necessony A your purchose wor boved on an teveriuomen| we teed ethene on
the company tha! sold you he goods or services |,

2. You must hove aed your ciedi cord for the purchase Purchases made wih cash advances from an ATM or witha check shat accesses your

maaecesie trout peymenl may be delayed # you send cath, coresponience ot afer ims wih your payment you sad the poyrento any ier
eddies orl you uae un emvolooe Sher han coe pide, Poymer nce proper oo preci Iaclity by SPM Vaca tne on de wl

you hove mispcced ope, rend Blows BO bon 610 Cara Secon Teo SISe Re low 740 days ies Seb,
day ut Misplaced your envelope, senc it payment to Discover, }, Carel Stream, lease allow for J.
Hour payment rand vals evens ae eS cert FO tox obit

You can pay your mini p automatic poyments, Cali us ct 1-800-347-2683. You will
heed this statement or ‘are available in your bank accoury, ane! olf wansactions must
comply with U'S ‘aw tomer! ZIP code By eniering thote numbers as you electronic
signature, you will be agi rent you authorize from your bank eccaunt, and to inate
debit or cred entries to your uch peyrnent. You mus lel us the amour! of each payment
‘1 you can select an amount such the nsB an eBch Sefemenl. You can cancel a payment, however we Mot Toceioe
nolice of least three business days paymer ‘ay notify us by phone at 1.800.347.2685 or by mail ot the address lisied in the
revs paragraph, i yeur payment va sen your payment wil be made and hew much i wil be.
four aulomatic poymen| amou! may be less thon indicalad on the or payments applied during te bing cycle

Credit Reporting. We may report inlormation shout you Acsuvnt a credi bureaus. lale poyinents, missed payments, o eth dele, ex your Account
may be ceflected in your creat reparl We normally teport the status and payment hlory af voor Accewet es neon ‘eporing agencies each month you
believe thal our report is inaccurate oF incomplete, please write us at the following address: Discover, > Box 153 +6, Wilminglon, DE 19850-5316 Mease
indicate your nome, address, home telephone number and Accoun! number

Paying Interest: We begin to impore infewest Charges on all transactions from the Transaction Ole for the transaction shows: on your billing statement,
snless a treqwaction is posted to your Account aber Mhe close ol he bling pecied In which oceurs, whicweove wee barter impose interest charges on tho!
transaction from the frst day of ee Billing period in which its posted to your Account We continue to impose Interest Cl 1@1ges UNI the date you pay your
fnlze New Balance shown on your biling statement! ty ruoking payments of receiving credis, you paid the New Balaoce on yaur previous biling statement
by the Due Bate shown on that billing statement, we Ells impose lntecest Cherget on new purchases, tha is, purchases fs! appearing on the
rant bifhg sateen, c ery potion of o ew puichose, poid by the Poymert Duo Date on your cuven! bila tole ead Na cal ae “grace period?
‘Usnotiess than 25 days. There is ne grace period on balance transiets or cash advances. As more fully described in the section of your Cardmember
Agreement tiled “How We Apply Payments” we generally apply payments ow Accourt based on the APR applicable io the balance f each ensaction
category This mons fat you do aot pay the New Bolance an the curren? biling statement by he Payrnent Due Dote shown on that billing stclement, then,
epending onthe mount of your payment ond the APR: on other balances, you ay nol get a groce pared on ewer ores

Minimum interest Charge. We wilicharge you e minimum ineres! Chorge of § SO for ony tiling period in which Interest Charges of less than $,50
would otherwise be imposed!

Annual Foe. your Aztourt bes on ennval fee # willbe billed othe begining ofeach anniversary year your Account ‘apen. The amount ofthe fee
‘2ppents on the siatement! when the foe is killed The onnuct bse is not telundable uniess you netity vitor you wish to close your Account within 30. days of the
Trolling oF deinery dave of he umement on which the lee is bled You will receive this refund even f you cve youn Cera duting that peri,
How We Calculate Interest