Loading...
HomeMy WebLinkAbout07-1099o fi - l04~ ~~~~~~~ IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Mary Lou Matsko Village Square Shermansdale, PA 17090 PRM Financial Services, Inc. 4015 Beltline Road, Suite 100 Addison, TX 75001 Plaintiff(s) & Addresses Defendant(sZ & Addresses PRAECIPE FOR WRIT OF SUMMONS TO THE PROTHONOTARY OF SAID COURT: Please issue writ of summons in the above-captioned action. Writ of Summons shall be issued and forwarded to (X }Attorney OSheriff. Deanna Lynn Saracco, Esquire 76 Greenmont Drive Enola, Pennsylvania 17025 Phone 717-732-3750 SaraccoLaw@aol.com ..~i °t-~ Signature of Attorney Dated: _2/22/07_ WRIT OF SUMMONS TO THE ABOVE NAMED DEFENDANT(S): YOU ARE NOTIFIED THAT THE ABOVE-NAMED PLAINTIFF(S) HAS/HAVE COMMENCED AN ACTION AGAINST YOU. ~ _ P othonota Dated: ?' By: Deputy r- ~:. ~.} ~ ,`q` ~~. ~ ~_.}r .~ _ ' s -. k ~.. ~ ~ ~ ~~~ o ~, p. M w ., ~ -~ d ~-- rv -,,, ~-t Ca3 ~, ~, Q -ri ---r z~ ~~ -, ~:_:> , i { ~.~ r, ~`~ ~_~ 1( , a -~ Jonathan J. Greystone, Esquire Identification No. 50223 SPECTOR GADON & ROSEN, P.C. Seven Penn Center 1635 Market Street, 7t'' Floor Philadelphia, PA 19103 (215) 241-8927 Attorneys for Defendant, PRM Financial Services, Inc. MARY LOU MATSKO Plaintiff, v. PRM FINANCIAL SERVICES, INC. Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY No. 07-1099 NOTICE OF FILING OF REMOVAL PLEASE TAKE NOTICE that a Notice of Removal, a copy of which is attached hereto as Exhibit "A", has been filed by Defendant, PRM Financial Services, Inc., with the Office of the Clerk of the United States District Court for the Middle District of Pennsylvania. Dated: NCO U SPECTOR GADON & ROSEN, P.C. 346626-1 PRM Financial Services, Inc. Exl,~b~t nn ~ d °~os ®031~A~3a S3/tl3S 00008 ~JS 44 (R°°. "'°4> CIVIL COVER SHEET The JS 44 civil coversheet and the information contained herein neither replace nor supplement the filing and service ofpleadings or other papers as required by law, except as provided by local rules of court. This form, approved by the Judicial Conference of the United States in September 1974, is required for the use of the Clerk of Court for the purpose of initiating the civil docket sheet. (SEE INSTRUCTIONS ON THE REVERSE OF THE FORM.) I. (a) PLAINTIFFS Mary Lou Matsko (b) County of Residence of First Listed Plaintiff Cumberland County (EXCEPT [N U.S. PLAINTIFF CASES) PERSONAL INJURY O 3l0 Airplane O 3I5 Airplane Product Liability O 320 Assault, Libel & Slandu O 330 Federal Employers' Liability O 340 Marine O 345 Marine Product Liability O 350 Motor Vehicle O 355 Motor Vehicle Product Liability O 360 Other Personal (C) Attorney's (Firm, Name, Address, and Telephone Number) Attorneys (If Known) Deanna Lynn Saracco, Esquire, 76 Greenmont Drive, Enola, PA 17025 Jonathan J. Greystone, Esquire, 1635 Market Street, 7th Fl., Phila, PA (717)732-3750 19103(215)241-8927 II. BASIS OF JURISDICTION (Place an "x" in one Box Only) III. CITIZENSHIP OF PRINCIPAL PARTIES(Place an'•x" in One Box for Plaintiff (For Diversity Cases Only) and One Box for Defendant) O 1 U.S. Government ®3 Federal Question PTF DEF PTF DEF Plaintiff (U.S. Government Not a Party) Citizen of This State ®I O 1 Incorporated or Principal Place O 4 O 4 of Business In This State O 2 U.S. Government O 4 Diversity Defendant (Indicate Citizenship of Parties in Item III) O l 10 Insruance O 120 Marine O l30 Miller Act O l40 Negotiable Instnmtent O l50 Recovery of Overpayment & Enforcement of Judgment O i5l Medicare Act O 152 Recovery of Defaulted Student Loans (Excl. Vetuans) O 153 Recovery of Overpayment of veteran's Benefits O 160 Stockholders' Suits O l90 Other Contract O 195 Contract Product Liability O l96 Franchise D 210 Land Condemnation O 220 Foreclosure O 230 Rent Lease & Ejectment O 240 Torts to Land O 245 Tort Product Liability O 290 All Other Real Property O 44l Voting O 442 Employment O 443 Housing/ Accommodations O 444 Welfare O 445 Amer. w/Disabilities - Employment O 446 Amer. w/Disabilities - Other O 440 Other Civil Ri¢hts DEFENDANTS P12M Financial Services, Inc. County of Residence of First Listed Defendant (IN U.S. PLAINTIFF CASES ONLY) NOTE: [N LAND CONDEMNATION CASES, USE THE LOCATION OF THE LAND[NVOLVED. O 422 Appea128 USC 158 O 423 Withdrawal 28 USC 157 O 820 Copyrights O 630 Patent O 840 Trademark O 862 Black Lung (923) O 863 DIWC/DIWW (405(g)) O 864 SS[D Title XVI O 865 RSI (405(¢)1 D 870 Taxes (U.S. Plaintiff or Defendant) O 871 [RS-Third Party 26 USC 7609 O 400 State Reapportionment O 410 Antitrust O 430 Banks and Banking O 450 Commuce O 460 Deportation O 470 Racketeerlnfluenced and Corrupt Organizations O 480 Consumer Credit O 490 CabldSat TV O 810 Selective Service O 850 Securities/Commodities/ Exchange O 875 Customu Challenge 12 USC 3410 ® 890 Othu Statutory Actions O 891 Agriculture! Acts O 892 Economic Stabilization Act O 893 Environmental Matters O 894 Energy Allocation Act O 895 Freedom of [nfomiation Act O 900Appeal of Fee Detemtination Undu Equal Access to Justice O 950 Constitutionality of State Statutes PERSONAL INJURY O 362 Personal Injury - Med. Malpractice O 365 Personal Injury - Product Liability O 368 Asbestos Personal Injury Product Liability PERSONAL PROPERTY O 370 Other Fraud O 371 Truth in Lending O 380 Othu Personal Property Damage O 385 Property Damage Product Liability 510 Motions [o Vacate Sentence Habeas Corpus: 530 Genual 535 Death Penalty 540 Mandamus & Other 550 Civil Rights 555 Prison Condition V. ORIGIN (Place an "X" in One Box Oaly) O 1 Original ~ 2 Removed from ~ 3 Remanded from ~ 4 Appeal to District O S Transferred from l7 6 ^ 7 Judge from or another district Multidistrict Maeistrate Cite the U.S. Civil Statute under which you are filing (Do not cite VI. CAUSE OF ACTION of cause: r 'T'rade Practices VII. REQUESTED IN CHECK IF THIS IS A CLASS ACTION DEMAND $ CHECK YES only ifdemanded in complaint: COMPLAINT: UNDER F.R.C.P. 23 JURY DEMAND: O Yes O No VIII. RELATED CASE(S) IF ANY (See instructions): JUDGE DOCKET NUMBER ATURE v statutes unless diversity): Citizen of Mother State O 2 ® 2 Incorporated and Principal Place O 5 ® 5 of Business In Anothu State Citizen or Subject of a O 3 O 3 Foreign Nation O 6 O 6 O 610 Agriculture O 620 Other Food & Drug O 625 Drug Related Seizure of Property 21 USC 881 O 630 Liquor Laws O 640 R.R. 8e Tmck O 650 Airline Regs. O 660 Occupational Saferyltlealth O 690 Other D 710 Fair Labor Standards Act ^ 720 Labor/Mgmt Relations O 730 Labor/MgmtReporting & Disclosure Act O 740 Rahway Labor Acf O 790 Other Labor Litigation ^ 791 Empl. Ret. Inc. Security Act RECEIPT # AMOUNT APPLYING IFP I v JUDGE MAG. JUDGE IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA MARY LOU MATSKO Plaintiff, CIVIL ACTION NO. v. PRM FINANCIAL SERVICES, INC. Defendant. DEFENDANT'S, PRM FINANCIAL SERVICES, INC. NOTICE OF REMOVAL Defendant, PRM Financial Services, Inc. (hereinafter also referred to as "Defendant"), by and through its attorneys, Spector Gadon & Rosen, P.C., hereby removes this civil action bearing No. 07-1099 from the Court of Common Pleas, County of Cumberland to the United States District Court for the Middle District of Pennsylvania pursuant to 28 U.S.C. § 1441 and 1331. 1. Plaintiff commenced her action in the Court of Common Pleas, County of Cumberland by filing a Civil Action Complaint ("Complaint") on or about February 28, 2007 and on or about Apri12, 2007 first served the Complaint upon Defendant PRM Financial Services, Inc. A copy of the Complaint is attached hereto as Exhibit "A" without admission or adoption. No further proceedings, have been had in this action. 2. Plaintiff seeks damages pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq., in addition to the Pennsylvania Fair Credit Extension Uniformity Act (73 Pa. CSA § 2270 et seq.), and the Pennsylvania Unfair Trade Practices and Consumer Protection Law, allegedly sustained by Plaintiff, Mary Lou Matsko, as a result of Defendant's alleged collection of an alleged debt relating to an alleged consumer 346625-1 transaction involving Plaintiff. (See Plaintiffs Complaint attached hereto as Exhibit "A"). Plaintiff is an individual allegedly residing in the Commonwealth of Pennsylvania (See Paragraph 1 of Plaintiff's Complaint attached hereto as Exhibit "A"). 4. Defendant, PRM Financial Serviecs, Inc. is a business entity with a place of business located at 4015 Beltline Road, Suite 100, Addison, TX 75001. (See Paragraph 2 of Plaintiff s Complaint attached hereto as Exhibit "A"). 5. This Honorable Court has original jurisdiction based upon the existence of a Federal Question pursuant to 28 U.S.C. § 1331. Plaintiff brings the foregoing action based, in part, pursuant to the Fair Debt Collection Practices Act (15 U.S.C. § 1692, et seq.). (See Paragraph 22 of Plaintiff s Complaint attached hereto as Exhibit "A"). 8. Pursuant to 28 U.S.C. § 1446(a) this Notice of Removal is filed in the United States District Court for the Middle District of Pennsylvania, which is the District in which the State Court Action is pending. 9. This Notice of Removal is timely pursuant to 28 U.S.C. § 1446(b) as it was filed within thirty (30) days after receipt by the Defendant of the served Complaint. 10. Defendants will file this date a copy of the Notice of Removal with the Prothonotary of the Court of Common Pleas, County of Cumberland, as required by 28 U.S.C. § 1446(c). 11. Defendants will this date given written notice of the filing of this Notice of Removal to Plaintiff as required by 28 U.S.C. § 1446(c). WHEREFORE, Defendant, PRM Financial Services, Inc., pray that the above- entitled action now pending in the Court of Common Pleas, County of Cumberland be removed therefrom to this Court. 346625-1 SPECTOR GADON & ROSEN, P.C. Dated: ~G~ SPECTOR GADON & ROSEN, P.C. Seven Penn Center 1635 Market Street, 7t" Floor Philadelphia, PA 19103 (215) 241-8927 Attorney for Defendants, PRM Financial Services, Inc. 346625-1 CERTIFICATE OF SERVICE I hereby certify that on this date I served the foregoing Notice of Removal on all parties by causing true and correct copies thereof to be sent via U.S. Mail, First Class, postage prepaid, addressed to the following: Deanna Lynn Sarocco, Esquire 76 Greenmont Drive Enola, PA 17025 SPECTOR GADON & ROSEN, P.C. Dated: is 4 ~_ 346625-1 nn ~ d °%oe ~p31~A~3H S3It13S 00008 1N'THF t't}L7RT OF CO?V~fUti PLEAS twLt'rl`E3ERL~:1'~I~ Ci()tti"I'}', E'Enit~"~YL~~'r~':~etA Ntarv T.~at~ ~tat~ksa VitCa~e Square Sh~n7isnxlale. P~ 17()9 PCau~t~tf(sl-8i :~lddresse F'Ct1Vf Financial Sen~ices. tnc. ~~ f 5 F.3~itlne Rcaaci_ quite l t)~ C e.fendant{~~ c~Z. f'~c1:cCresst5 Fl~L.~l.i~L~ 4 ~(~J~~ fT~R'A.~1* tf.l.~~IJ JF'!:~(~~~. T'C) T~Cf: PRf.)TNONt)''~1RY t~F SACll C()C.~CLI'; Please issue ~~rt c>f sutt~i~una in the aC~o~c-ea}~tic~n~C ~ctCa«. ~{'rit c~P ~ummc-tt~ slzaCt tae ~5tt~d end tanvarded ~~ (~) ~ttc~rrte~ () ~herif'1 [7eztrtna L~~ntt ~araecc,, C;squit•~; 7~i Grr~enc~ac~ttt I3rit>e ~nofa, Pcnns~<Cti:ania 17U? Phone 7 C 7-fi ; ^-~ 75{} Si~rac4c+Ia~~ u'~t~l.e:Cttt~ '~ A f 1,~~ - ..~~?tt Si~nutur~; i~#'t~tt'ctrne `C"fJ i`I~C <~-I~(l~l~: N~k~~EI) l~C:E=C:?~?f~:~Iv`"['(~) ~'~Ut:~ ARF; NUTCC:I~I}`C ~i~tT'I"I~if A~3C.~~rC:-:~Alt~tf:U E~I:.~[1ti'E'II.FtS) C.Er'~~ 1C{A:Vi Gt~MCvTI~NC:C~D t11ti ~~`TCC)N A~`r~1Cf~5,l ~fJt,`. ,_,__ ._. C'rc~t ctncrtai~ ~~~~~: ~~ -~-- ~S~ f3~ ~' ...w.._.~....____ _ ._.~_._. C.)ePt~fi __, Iti T`HF C.UL~T~T CJ}~ C't??vilvit)I+ FC.E 1., L1 fY:i:1)L.il.Le*'-: V.~ tY~~.~~~~~. ~~~~`'S~~..,~?~'~~.r~. NC3TICE Tt? PLEAD TU THE DE~~AANT 1+TAME1~ HEREIAT. ?mac: ha~1e been sued y~ coax.. ~~ u~~~ ~~wsh t~? ~E~e~c~ w~~~a~~~. tf_~ ~l.c."..II1~3£'t: ~L}Y'~h '? ~~"sE' ~~~i7?t1"?~ :)aC~~Sr ~"clai. iT11:~i. '~aK~ :A~~~li,:wk ~? this t~+renty (7.D} .days a~~~ thus Len?p:~aint is ;~~i~.~~~, k;Y en~:era..~g ~ ~T~ ztten ap~e~.~an~. z~e.sor~al.:L~ ~?~ ~~ at~*.~rr!e~ ar.~ ~i=? r~ i~; gar z i~~ tsth the c~~~r~. y~~,- eief~rs~s ~r ~~, ~c~ ~ oris ~: '.:~"i£ C~~1?Tl~ ~~-'~ iC}~~:h id~c~I!ls~ j'J'u1. Y'vl ciY'~ h~_?":''~v .."? ii: ..._ ~J4~7'•..~ Y` u~ 1 ~. y ~ u C S^~ ~ ~1 ~ Cc .- :? Ttsc"~ ~' ^ :"t`? £" £: i,~ :,} =. ~ 1'x',:i ti ~. _ 1. '' ~ ~"? ~ r` "''~ ~ 1. t; ~ ~ t T: and mo~ie~ clais~ed ~r. the ~.:~~°-ca~.~ i.nt, cr ~ _, .._ ar°}T L:the~~'. ~ .m cY relief ~~~uest.~~ by ttae ~.a:ii`._~k~.. ti~=;~ :Tt~~ :.use nc?~~~ ~~r `;..t'xC3p4~Y'~}' ~~ <J`~a:S2~' wl~~"*,.~ .:-T1IT~*;.+^~aT':"'. ~v aC"ika. YOU SHOULD TARS THIS PAPL~t TC? YG-tJR LPiWYER 1~.T OlICE . ZE YOU' D~J I~OT "VE A I~AS~YE~ 4R C~NOT E~~ t~~ , CCy T4 DR ~!EL~PH~NE THE: C-FFICE :SET ~3R'TH SELOTi~ Td FIi~II) t3t~ ARE YflU C~3N GAT I~C~AL HELP C:umberlsr-€~ ~'QUnty Bxr Association 32 .'a. Bedford Street, Carfisle, P`A 1-8~q-9~1[`!-~~tti8, 717-249 31bti czarzcY~ ~ .. ;: w ~S`.`~S i~';L!icA~;:3e35 ~?.~L'..:.:: ...'. ~_.; ~=:'a~',_..~:~ _ ,__ ., r,5~ _cr'?~£ t._?.... ~.:n?..'~' ;!. i _ r C~lc'a~.~,' ~Q ~.;.-$Zt: c~., ~,7d.. t. "i. ,t- .. .. ~ :~ ~_ ~.ri.~' _:.,_ L~ ...,.. .. C±? w ~.~:. i'7-E:~'~C :`.ii, ~ C's~T .~.,.~~c`t.,~.a a~C.._Ya*' P~ 'c: ~f.?2'~'`- 2:? ,,__P,'a ~___.,. .-'.1. _:~?i"€~^z4 `~ ~..- t,~ ic?^ a :.~~ r C~f:P43.SLSJ.~~~ .;. r'1 Ct"d2"i. c' ~,-. .<i 1"ci r.>+:'.. i;i i;, ~; ~~ ., .I u^"..i:.- -•. .,. r'i .::ilia 2,. _.. _ ... .... ,-~~ cs,?,:r ~•='~ ,ti...:.1..~%i"3 Q~ :"iTEc"dTiE:cc . „ .~ _, .,. , ~r= _ _ . C ._ .. ... _ ., .~ n': S _ _ =1 „ - ii - _ _ ~~.: CN 7'I-~E C:'()L't2T OF {Ct)MMUiV pLl~A CU'4$ERLAIVU G4i71'ti'T~', PE:?~1NSYLti'AItTIA Plaintiff, r. PRh~ Financial ~er4~iees, lne. Def~ndattt. ~,1\jil ;~Gt7Qn ~3Ct.; U7-~~~{) Jttt-v Trial Demanded C~MPGAI?VT 1. ~'laintifffs a-t indivdurtt, resi~iin in tale f;'Utntrae?ta~;•ealtlt c>f'1'ennsyl~~ania, and ccanstuncr pursuant_to l~'L.S.C. ~l6'92a~?). '~. Defendant is a fausiness eutil:y(ies} engaged in the busirtess cafccallecfn~ delzts in this C©mmonwealth c~~ith its principal plae.e oaf bustLSS lcacated at. =ttl1 S f3eltline kctad, ~;ttite 1'(}Q Addison; T~K 75~?tll:. }. Un Rr about S~ptenttaze, Defendant cr~ntacteel 1'I~intiff[~~° L.~. a'~lail and tele}~hetne calls in an attempt to collect alt alt~ged consumer debt. 4. Defendant is a debt cxall~:cte>r as defined by the state. [a~~~ and' the l~ DC;I'A. l ~ C~.S.C`. ~. Defendant sent lc ttc,rs and made telephone cdzlls tct Plaintiff in Decetnher ?0~6, c~•hich .are :<cocnntunicatiorts" re(~ttin~ to, ~ "dchr" ~~ defined b~~ l~ L.S.C. l l6~tza(~;). 6: At alt pertinent;tirrtes;lteret~a, ~e defondant_allc~ed tliat:Ptaintiff owed a,~?nsurnerdebtr .: ... ... 1~ Lt.S;~. ;~ lti~'_~(~+): {[lerenafer the -'al`le~e~l debt."'} 7. Defcttdant t;c}tttmunicated w'ttft ~lairitii7~e~n car aft€~r c>ne year hcf<tr~ tht: ciatc: c~(~this action, in-~ru~ctioti ~vittt calleetion ef~ctrt~: by Letters, tetephcane ccantact or ~atherdoeunz~;nts, with regard to;pl~tintf`t''S atle~ed tl~bf. 8. Plainti(~lx:ii:e~~s and thcrefc~re a~%er~.that I)eCencant`s l~ett~:rs t~c~ntairted l'alsr. n~slf~tclict~. deceptive and/car ccrnf'usitx~ st~tcments. 9. Plaintiff believes and tlaerefare avers tlxat agents cif I)e.fciadant. in its telephcane comnaurticatians made false; misleading,; deceptive aaada'or ccanfusin~ statcmeaats. 1 t~. l'lai.ntiff btlic:~3cs and fheref'iarc avers that agents caf pefcndant in its tcEepharie ccamnnunicatit7n, ~~ere rude. beli~erent., ixtsnltin~;:rancl harassira~~ to tlae Plainti.£f. l 1. I'taintiff disputes the alleged debt;a<id hereby requests E~rvraf o#'t41c manner in ~vhic.ti the. alleged debt cvas calculated,. as is r~uired h} state and federal Iav~•. C~GI~iT I - flFNNS'1'1~ANI.A FAIR CI~~.UIT E?~TI~.?~'SIt:}?~ C}tiI>E~'(}It.M:I'.C1' AC:;T 2. Plaintiff hereby inc<ar~camiles ~he'f~>re~c~ir~~ as if f'u(Iv stated herein:; 1s. .Jurisdiction fear this 1lcticah: i~~ asserted pttrsuant tta the Pennsyi:uania hair Credit F~tensittn U`nifarntity Aci, 73 P~. ~~270 ~t seq.. ~~. '~'iQlating laravisians: cif the Fair l~~tat Ccallccticua Practices :pct alsn vatat~; thy: Pennsylvania >~CE~I, 7 ~ P.S, ~+''?7(l.4(a~, 13. lfiat defcnciant engaged it1 unfair iaaethcads of competifican and unfair-car deceptive act:; or practiees, as defined'b~~ FCFU and lae regaxlatiots, including but neat. #imiterl tea. ~=iolatic~ns cif ~7 Pa.Ccade ~.i{l.a(_~ ), tl3.a(I Vii. 3tl ~. ~~ [Iii}.:i•Q3,~ hnd 7 I'.S: ~?() i -?(~}. 16. l)efendattt's acts ate descrikied herein ~verc: deans ~vilh maliciijt~s. intentional. ~rillftl. reckless, neglcnt and wanton disregaacl-fear !'l~tit~tiff"s rights. ~itia tlaL purpose ra#~ ccaercing Plaintiff tea }~= the ailegec# debt:. 17. AS a rE'1Ult C)f t~le al?ca4£ V10!rltlfa[IS, Plaintiff i~ entitled tea statutcary, actual, treble. and punitive damages and atttarne~'s ties and. ccaats. ~'H1~I21uF~?ItE, plaintiff regaest~ that this Hancarable Court `cssue jaarl~Tnaent caaa I'laintif("s laehalf and against defendant fair a statutcary pen;~lty, tretrlc dam age5_ puniti4e damas:es, attorney fees and. costs pursuant to 7~ 1'.S. ~07.~. GCl-CJ1wT XT - PF,l'~N~YLVA:~IA- UNFAIR TRADE- PRACTICES A~'tiD C:C3?tiSG~biF,R: PR+DTECTIUN LAW 18. Plairnixfht.reby incorporates the fcxr~;oi.n:~ as if fully set earth herein.. i 9_ Jurisdiction fir this actit7n is asserted pursuant to the Peixnsy~t~~ania Lnt~tir Trade Practices and t"onsunxer Protection L,aw. 7^-. P.S. §~C-1- t ct seq. ?(?. That defendant cn~a~cd in unfair metlxcxis cif c:ompr~tition and.; ~:nfair c7r deceptive acts ~~r .practices, as d~finec! b~ [?TP~"I'I.~. 21. As a result of the abe~ve Spit>tctions. C~laintitt is entitled to statutory, actual, treble and pulxit~e ctanxa€s an~1, att~arney's fe4s arxd costs. WCtC1tEFQR;C, plaintiff requests that this Honcxrable Court issue.jiuigment on Flaintift~s lxehalf and against defendant t'cxr a statutory ~rralt}~, treble damae~;, p«nitive dama~~s, attorney fees and cosh pursuant try ?3 F.S. ~~C) l-E:IC)2. C~UN1' it>r -FAIR QEBT C~()Iyl<.,EC"~`1©'~ I'RACTTC;Fx~ ACT ~~. Plaitxtiffherebv inc~-rpc~rates the tar~~ang as if ful{~ set forth, herein. ?~_ Jurisdiction fcxr this action is asserted ptirsttant td the hair I)el,t C'c~ll~.cti~~n Practices .Act, 15 L.~.S.C:.. ~+ iCx9~, et sey. ~::FfJCI'~"j, p~~rticularly 1 ~ CI. .C': ~ 1 F~9?k(dt and. ~~ [...S.C. ~13~?. ~~, Venue Lies in this L}tstrict pursuant to ?~ C,r_S.t'. t 311 fb). v: The FDCPA states filxat a ~ ic~lation of stage.. ~a~~` i~ a vit-i~tit~n of the 1"l:)(:'1'~. 1 ~ k.S.C:'. ~ 1 f qrs. ?fi. Plaintiff belit~~es and' theref«re a~ct~ th~it ciefenci;~r~t citxc:s nt~t hate prc7pt~r assi~,nnxent of the claim, and; cherefi-rL, uriablt: to collect tlt~ alleged debt pursuant told Pa.C.S. X731 l (a}t l) and (~l• <7. Plaintiff bel`te~Jes and .thereft~re avers that'defendant does Writ have proper as~i~nments and~c~r dacucnentation: permitting said defendants to charge interest, fees and,;nr costs. 18 Pa.C.~. ~3~I1?(bl(i j. ?8. Tlae FE3CP.~ states that a vc~latiaia of state lace i~ a vie-l;atitan cif the l-~L}{'i'.A.1 ~ tI.~C. ~16y'?n. Def:erfdant ~iolateel this etiota r>f the FI3CPA. ?9. Plaintiff helic~Yes ,and therefc-re avers tha~r defendant added interest, ices and costs iti vic~latiran of state aaad federal law: 3Q. Defendant to tts collecttan eil'carts; demanded interest, fees andlor casts in violation of the F'DCP,4, 1 ~ 17.S.G. ~ I;692f(1) <+nd '1692e(2)A and. 13: 31. there was never an e;tpcz~ss azreLmc~nt lid I'laintiff'to pav ant= additional fees. cast or interest to l7cfcndartt or an}~ uf`its agents. ~2. L3efendant failed to ptcavide proper ccrostirner ~~~rtain~ in its initial telephone contact, in violation of 1 ~ l°.S.C': ~.l ~~?~(l 1). ~s. 1efendant failed. to send Plaintiff a ~=alidation notice +uithin five da}:~ of the initial ctantact. in violation of 1 ~ ti.S.C. ~ 1fi~?:~: 34. Defendant. added ttntasti•f'ttf interest charges or other amounts td th€: alleged deht. or misrepre:~ented the ~rttaount c>f the:debt, in v~iolatican of I,~ l~.~.C. "~ I fi92t(i ~ and 1 ~92e(~ )A and B. 35. Defendant crvershadC~ved the 1~t?Ci't~, victlatins~ IS t`.~.C.169~~,. 3G. Defendant anti%or assents of dL(znd~int ihreatcnGd actirm that: cannot legalt~- lac: taken. and,~cir• leant icttentfed tc, he talcn,:in t ic~lt~tion c~f~ t ~ {'.S.C, ~16~)~e{~)_ 37. L~fendant at~d/c~c agents caf the defendant. tl~reatenecl to conamunicace faire credit 'tttfotmation, iti viulatic~rr of` in vicalatinn, ~f t ~ t `.~.C.~~` l h9°?c.($). ~#~: The alleged debt is-saver l{) ~~cars old and ~~as paid ~ dears agU: 39. Defendant intentit~nall~ arre~~apt tc~ deceic~e Plaintffintica reaffirming aal aged debt. 40. Defendant andtt~r a<~znts cf the defendant. refused to cammt~rticate that Plaintiff disputed the alleged debt, in violation caf 15'[:.S.C.,~~'169?e{~): 4 t. Defendant at,dor a~~nts of the d~f'endant gi~te false.. decepti~~e and tnislettdin information tb t'laintiiEf, in ~ic~lation of l 5 `G.S.C. ~ l G9~e(10). 42. Defendant andr'dr agents. r+f the defendatt attempted to called a time barred. debt, in violation of l ~ L;.S.C'. ~ l fi~~2f. 43. Defendant artdlor agents of the defendant Bi=as rode, l~elligc~rent and insulting to the Plaintiff and used pre~f€ine aid abu~;ivc 1~n~ua~;c in ti'iotatiott of i S [:'.S.C. ~lf~~"'f'. 4~. IDefendat,t andl~>r ager~trs of the defendant. cat.-sed the phone to-ring aced en~~t~ed the Plaintiff`in reheated tclcphetne canvcrsatnns, in vie~latic~n c~C 15 L..~_t',. ~lfi9?zlf ~}. 4a. Defendant andfor a~.~ents cif fl,c defendant made calls to the Plaintiff ~~~ithr~ut disclosing hslheridcntity, in ~ic,(ati<tn«f lS tv'.S.C:.~~'1fi92d(6). 46. l?eteudatYt andl~~r agents crf the defendant communicated with a third party, l'laintzff`s husband} and frxiled~to properly identify hirn,/herself, and disclosed infii~rmatian re~ardin the altr~ged dekrt, 'rt, violatic~mtrf l~ tJ,SC_ ~l69?b(i) ai,d (~). 47: [Dfendant ancilar agents cif the defendant ccrmmur,icated with a third part-, failed tt- prcrperl~ ideFrtif~ hin,;'herelL; and ditic.l~7sed inform~rtitt, regatdir,g the alleged debt, more than one:e and ~~~itho~rt the e:Unsent ~~f l'1iti,t~titt ~~r the third art~r, in ~~olatiran cif ! ~ L;.~.C'. ~1. The ~`DCI~A: states. a debt callectctr may not ttse unfair ttr uncon5cic~n,ble means to colieot car attempt to Gollecc any debt. 1~ L'=.S.C:. ~169`?f. I)r;#'endantviutated this section of the F'DCPA.. 49. The FI~C;PA stags, a debt c<ille~tc~r map• not use false.,. de:ceptt~jc (~r t„tsleadtng representation ter means in connection t~°th the cc~ltec;tic~n crf piny debt. 1 ~ t.S:C'. ~ (C~92e(}and (I f} j. ~ I ~~t~f~R) at1d ~ 1 t~1'j. C)ctcnclatat violated thES~ sections of the I'DC'P~. ~i1. "t"he i1~UC."FA states. a cteht ctrllect«r may n«td~u~s tla~ cc~ttsutl,ers allc`~e~t debt uf'tth a third }.~art~ . The Defendant-violated this section of the F'UC`P. 1, "fhe F17CP ~ states; a deli( cc~lleccczr rr-ay n~zt zrn~age in any conduct the natural consequence cif'tidhii:h is tt~ harass, aPpress or abuse ant=. Perscin in ccrnztec;tion with the collection czf' a debt. 151~.~,C. ~ 1 ~ac12d.:C1ef'trndarit ~ iolated this sectio:tz tit tl3e I?I)L;PA. 5?, ~I~Ze FL1GP~ Provides certain. rights to the cons~tz5rcr renardin~ her riszht t« elispute the alle~erl debt, 1 ~ U.~:C:. ~ t G9?~. }~efendattt ~;ialdte~i ti~i~ scction czf`the i'L3C~PA. aa. any ttzreat of lixi~atian is false if the defendant rarely;, sties c.c~nsurner debtors rir if the defz;ndant did nit intend tcz sue the'PtaintiiT "Bent}v v. Cr~;at IKzkec C'ollectican Bureau, 6 E.>d b~ (2d t`ir. ! 99$x. ~iee also, T~ t?~.C~'. ~ l~z)24(~ ), l ~ 1;.~.C'. l b92e(t t)). 5:4. At a!1 tirne Pez~inent t~rc:to,'the defendant vas acting by°° and through its a~*e:ttts, ser~~ants andror etrzplez~ees, wttt~ were actin; within the se<zPe and cazirse r.~f tlt~ir eznploymeni, and utzder the direct supervisic-za and cc-#trc,! c+f the defendants fxcr~in. S~. At al(tfrtzes pertinemt heretcz, th.e cUncluct of dt'f~~tdant as well as their a~~enes. servants.. and:'c-r employe~:s, «as malicious. ntcntionat, ~k-i11tul, reckless; zzegli~eni and in wanton disregard for federal Azad state law and the rights of the 1'Iaintiff herett. ~fi. The above mentioned acts with supportint cases clc~zrtrtn4trates that the cczziduct of defendants rises to thz l<<el nt~ed~d lcrr Punitive darrza~=e~. ~7. I?efetYdxrzt, in its coltectic>n eCCr>rts, ti=ieatatd the F`I?C'P~, i~rlei• crlier, S~;ctic~zzs ! ~9L, h, c, ti e, f ~, h, antl;'or n. 5~. Defendant, in its r;ollt}c.tio~a c(t~,rts, used ('aise car decePt~e acts anel ntczzccd tr- oQPress and harass plaintiff. 59, "Chat, as a mutt of the «arcrnful tactics o" defendants as airzrcrrzenticirtcd, Plaintift"has been sut~~ected to anxiety, harassn~zent, intimidation and anrttst~anc~ for wlaiel carzzpc>nsation is sziu~ht: 'WHEREFORE, Plaintiff respec:tfilt}' requests that his #-#c~ncrrabie Court entc~r,jaz~nent far Plainti ~' and against defendant and issue ail Cfrd~r; {.'~} Award Plaintiff statutan3 damages in the amount of tine Thousand t)al(ars (~l,C}G(}.gQ1 for each'vialatican ref°thc F#7C`i't~ c1r each tie~arate and di~cretc incident in which delendz~nts have. G=ic-l~'tted thf; t~llGP:~. {E3) sward t''iaintjf#'gene~~at ti;~m~iges and punitive dantag~s fc~:r anxietL, h~xrassment, 'and intimidation directed ~.t,Plaintiffin axt amount not Less th~-n Ten Thau>alid l~allars {$t(1,t~0t}.(10j, as «~etl as-the repetitive nature r-f defetldants #c~rm letters: C'} A~=ard P#~inttf~'costs o#'this litigdi-i~rz. °itxcludin~ a reas~anat~le attc~rrtc~"s fee at d rate of ~4ti0:0i~Jhaur:for hours reasanabl~ expended-F'laintif~s att<~rne~~ in indicating hip rights under the. k'I~C;Ps~, permitted' E?y~ l ~ L=.4,C:. ~1 C~~~?k{a)(s). fL?} Ar~rard declaratc~r~'-and injunctive relief": and such ether relict as tlhis Nat~arahle :Court: deems necessr and; proper gar lave car ecl~tit~; n~a3' provide. C';'CtC'f?~iT Ct~ ,- [';-~1K CRFInYT H.EPO~BTiI'yC~ AC,"E' ~Q, Plaint:#Thereb~ incx~irporates-the foregoing as if full~~ set #iarth herein:. 61. The t~ar Credit Reporting at, i ~ L'.ti.{'. ~I G$ t h prohibits the irnpre~per use cif a consumer's credit inton~atian. 62. Paintiff'ht#iev~cs znd'therefdre avers th~tthe defendantreparted false, n3isleadiz~; andfar inaccurate infr~rtnatian crn I'l~iintitt~s credit report: tivilhc`~ut #rst validatn,= the alCeged dent. G3. De#~ndant attempted to report and+c)r threatened tee ~•c:pc~rt ~r time-harrc.d debt. (r'l. #'Iainti#'fhelie~~e;~ and therefore avers that the det'endant rt;~~iewed 1'tiinti#~`s credit.re~ert without- Proper authority ar xssigtantertt of the aliened dek+t. WH11RFFt?RE, Plantif~'respect#"ullti rrqu~st~ tli~tt hiti H<rrlr~rabie Court cuter judrneiit far Plaintiff and a~ainb~t defendant and issue an C)rder: (A) .A~~vard Plaintiff stxtutcrcy damn`+es in the amount of C)n~ `i"lzctus~znd Iktll~rs {~;1,Ofl0.(){}} foreacl~ ~ic~latc~n of the FC'E.~ car each Separate and dfierete incident in which defendants have. v:c~latee! the l't;1L4. l ~ L=S,C. ~ 1 G~ 1 n{a){ l j{_~). f~} ~+wartl Plaintff,~cn~raf diu~nd~es and punitive damages far anxiety. harassment. and'int.imidatic~n directed at Plaintiff in ati amt~unt nat less. tltun 1°en Thc~rusand Dallar-s {~10.C?00.t1t?), as ~~v~ell as the rcP~titivc nature of defendants farm letters.. C} Award Plaint[l~~cc~stsc>t~tl~ litibatiort, including a reasonable attortey~~s 1'ee ata rate of ~-~~(l.(){l~'hc~ur far hcrur:s reascjnal~l~ expended T'laintift' s attc~rnc:~ in vindcatiE~~~ his ri~~lits unclGr the C^I)f`'1'.~ •rn~itt~etl trv'[5 t:l.~_C:.~~'1b81n{~)~.j: C?ated: 3r'23iU7 Bye: ~ =rtrt ~atacc: [}eunrta l:}stn Saracca. attorney fir Plaintiff 7Ci Crc~nrnot~t Dci~=e. Enala„ P~ 17{~~ "T'el. 717-7 ~'-7~(1 Fay 317-7~Y-498 Email: Saraccci[,aw(i~anl.cati~ ~°, ~ ~ ~ ~ rn ~ r ~''~ c,a J r.; ; -.. ~ =x ~ ~:a ~ -~ rn ca ~ ~''' -~ v~+ Jonathan J. Greystone, Esquire Identification No. 50223 SPECTOR GADON & ROSEN, P.C. Seven Penn Center 1635 Market Street, 7`h Floor Philadelphia, PA 19103 (215) 241-8927 Attorneys for Defendant, PRM Financial Services, Inc. MARY LOU MATSKO Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY v. PRM FINANCIAL SERVICES, INC. Defendant. No. 07-1099 PRAECIPE TO FILE NOTICE OF REMOVAL TO THE PROTHONOTARY: Pursuant to 28 U.S.C. § 1446(b) Defendant, PRM Financial Services, Inc., hereby files atime-stamped copy of the Notice of Removal filed in the United States District Court for the Middle District of Pennsylvania on the 20~" Day of April, 2007. SPECTOR GADON & ROSEN, P.C. B• nath re st ,Esquire Attorney for Defendant, PRM Financial Services, Inc. Dated: ~ D 7 346618-1 CERTIFICATE OF SERVICE I hereby certify that on this date I served the foregoing Praecipe to file Notice of Removal on all parties by causing true and correct copies thereof to be sent via U.s. Mail, First Class, Postage prepaid, addressed to the following: Deanna Lynn Sarocco, Esquire 76 Greenmont Drive Enola, PA 17025 SPECTOR GADON & ROSEN, P.C. Dated: ~ rL 346618-1 IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA MARY LOU MATSKO CIVIL ACTION NO. Plaintiff, ~ ~ ~ _ ~ e~ v ~~~ PRM FINANCIAL SERVICES, INC. Defendant. 1=1LE® HARRISBURG. P~ APR 2 3 2007 MARY E. D' A, CLERK DEFENDANT'S, PRM FINANCIAL SERVICES, INC. NOTICE OF r ty C-erk Defendant, PRM Financial Services, Inc. (hereinafter also referred to as "Defendant"), by and through its attorneys, Spector Gadon & Rosen, P.C., hereby removes this civil action bearing No. 07-1099 from the Court of Common Pleas, County of Cumberland to the United States District Court for the Middle District of Pennsylvania pursuant to 28 U.S.C. § 1441 and 1331. Plaintiff commenced her action in the Court of Common Pleas, County of Cumberland by filing a Civil Action Complaint ("Complaint") on or about February 28, 2007 and on or about Apri12, 2007 first served the Complaint upon Defendant PRM Financial Services, Inc. A copy of the Complaint is attached hereto as Exhibit "A" without admission or adoption. No further proceedings have been had in this action. 2. Plaintiff seeks damages pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq., in addition to the Pennsylvania Fair Credit Extension Uniformity Act (73 Pa. CSA § 2270 et seq.), and the Pennsylvania Unfair Trade Practices and Consumer Protection Law, allegedly sustained by Plaintiff, Mary Lou Matsko, as a result of Defendant's alleged collection of an alleged debt relating to an alleged consumer 346625-1 transaction involving Plaintiff. (See Plaintiffs Complaint attached hereto as Exhibit "A"). 3. Plaintiff is an individual allegedly residing in the Commonwealth of Pennsylvania (See Paragraph 1 of Plaintiff's Complaint attached hereto as Exhibit "A"). 4. Defendant, PRM Financial Serviecs, Inc. is a business entity with a place of business located at 4015 Beltline Road, Suite 100, Addison, TX 75001. (See Paragraph 2 of Plaintiff s Complaint attached hereto as Exhibit "A"). 5. This Honorable Court has original jurisdiction based upon the existence of a Federal Question pursuant to 28 U.S.C. § 1331. Plaintiff brings the foregoing action based, in part, pursuant to the Fair Debt Collection Practices Act (15 U.S.C. § 1692, et seq.). (See Paragraph 22 of Plaintiff's Complaint attached hereto as Exhibit "A") Pursuant to 28 U.S.C. § 1446(a) this Notice of Removal is filed in the United States District Court for the Middle District of Pennsylvania, which is the District in which the State Court Action is pending. 9. This Notice of Removal is timely pursuant to 28 U.S.C. § 1446(b) as it was filed within thirty (30) days after receipt by the Defendant of the served Complaint. 10. Defendants will file this date a copy of the Notice of Removal with the Prothonotary of the Court of Common Pleas, County of Cumberland, as required by 28 U.S.C. § 1446(c). 11. Defendants will this date given written notice of the filing of this Notice of Removal to Plaintiff as required by 28 U.S.C. § 1446(c). WHEREFORE, Defendant, PRM Financial Services, Inc., pray that the above- entitled action now pending in the Court of Common Pleas, County of Cumberland be removed therefrom to this Court. 346625-1 SPECTOR GADON & ROSEN, P.C. Dated: ZG Q B Seven Penn Center 1635 Market Street, 7`h Floor Philadelphia, PA 19103 (215) 241-8927 SPECTOR GADON & ROSEN, P.C. Attorney for Defendants, PRM Financial Services, Inc. 346625-1 CERTIFICATE OF SERVICE I hereby certify that on this date I served the foregoing Notice of Removal on all parties by causing true and correct copies thereof to be sent via U.S. Mail, First Class, postage prepaid, addressed to the following: Deanna Lynn Sarocco, Esquire 76 Greenmont Drive Enola, PA 17025 SPECTOR GADON & ROSEN, P.C. Dated: le D 346625-1 Ex~,~6;4 A 7 -- /a4g ~tv o~ ~~'Txr cot~~~ a~ ct~~~~IC)~ ~~~~ CYC~W~ERLA~I~- CnC;~11'Y, I'~~i~'S1. L1;A~l.A I~Ian~ I.nu ;~tatstcra ~Illa~z Square. Sherniatisclale, I'A 179(? Plainti.t~sl ~ ~'lddre,~se I~RM Financial; Scn~ices. Inc., =)~1: Ilckltline Itr-a~~t. tiute 1t1~ I~eF~rsclanttsl cX~.:~c1~ir~;sse~ FR~~CY C:;[['E EUCZ t~;ix[T' ()~" SC,'M'~tt)'~5~ 'I'C) `I`H1~ PRC)TI-IC)N(:}~'~1RY (?F S~Ill G(3I~It1°: .~, Please issue ~~-rit,cxf'au~timc.at~ in tlt~ al~s~~c-capti~n~;d acic~a. ~~t=rit ~I' ~tt~~t~nrans ~Isa1'i he ~f~~{ ;nci foi~4•arde~[ to (X) ~1ttc~rnev (~ ~~er•if7: I3e~cina I,v°nn ~;ar~iccc~, Esqur~: '76 Greencnant I3c-~-c ~'nala, Pennsl~i4:~~nia 17Q'?~ Phone 7i 7-7'32-~'~5(1 S~r~cc>c~L.a~s `u.ac~l.rc~in ~~~ Si~naturc ~~t~ ~1tc~rne i)~it~~l; ~'7~rtl~ WTI C C)~ ~UM~tf~N~. `i'() "I'II:C t~F~i7~~'1: ~d.r~4~i~D I~I~I~I.NI~~N~t:'(S)_< Y'U[~ ~Rl NC)`i'I~'III? TI-IA7` TI-IL ~.I3~1~~-NAIVtE~U P[a~ll~'"PII=C() I-f,~~4~FiA~II= G(:);vlMk~I~CI3I~ ?~;~ ~C:"I`IC)N ~Ci~?1I~~ -T ~t3t~,. ~.. ~.. _._ Pr~,~t +~nvta-~~„~, gated: ~~~ -r. t ~ ~t~. ,,, max...,,, ~,~,,,.,,, , ~~? .:~~, ~~ r~ ~~Ft~ c©u~-r ~~~ cc~n.~~rC~~ ~~~a c~.~l~sciir~wn cioL~~~rv, ~~~~;s~~.~,~:~~slxa NcrricE ~~ Ta TsE ~~~~' ism ~E>:~Errr: '?'JL'. 3dE3~ ~3~4°l"i SLl°t~ i;: a;:.G',iZ`~ .:~ y'C3L1 4s'.51`i L~+ ~E"'~~?'lG c?,~'~'K1.:aa~~. L.Ai~ G1:G :...Ti?,`_- S:~~:. ~a~'"t. ~° _'_! `>. sr'. E-? ':s~i3W :.t.. ^.£J :)c'~tx.~~.a-' j 'y'G:a?.: i71L..y i 'i. c.K`.~. ,:is`~`~. 1..^1 ~•; w_thin twenty (20) .days ~~~~_ thus uc~r~.p~.a~nt is s~r~~u, :,}~ enter_ ..n~ ~ wrt~.en ~sppe~,r~.,i_e ~~~sc~ri~,3~~.v , ?~ ~~ i~t.~.~s~'~~y ~:: fi~?r~ 1.I-i sar_i:rit~ cr't~ 4e ~ ~,z~t yam.:.;;~° d~~~r.:~~:,~ ~r ~~~cv_er<.s t ~' ~'? ~ ~ ? ~ ?Tlfi ~ ~' i i C7"~:: }'I r7 ~ ~ 1 ?1 ~^'~ ~"J'il . ~ :! ;., <1' ,v. w h "y i,..-; c, ~~.. u ":.. t; _ `~' C% l~ ?"t3_~ ~>~ iC) S::, ~1€? Cu_~':~ iTt~~r ~w~~.£-?C?~ ,_~1"~Cl;_x~, M1;~'ti?~:` ;~:~~? „~ ~::~ t3 fl~' i?'L~'1'"1E', f ~.i~'.._Tltc"'YC~ .iT': t~13~ L.'>7~"iT;}~r'~~.17L, ~~' ~...._ ~._3> '#..?`]~i ,.._'_.z `Ii. C?' ~~.~i:.E'~ ~~t1~S~.~u ~?~ ~'~`T~ `P~r3l?'l~ i~~. Yv?:.I ^i},,i.~j '%S~ .'Tlt.`.'3<~~ ~.?4 +~'~.Y{2~~~'~}j S1~~s~.:i1?~' r'I~~"3t~ .TTipt3_Lr3T:'. ~J' <`Li. YC7U S~iUULD TARE. THIS 'PAPER TC7 YOUR LAWYE>~i AT ONCE . IF YQU 1307 PiUT HAVE A I.Ai~tYER OF~E: IAi1l3Nt>'1' ,1~k`Ft'?RL7! C~N'E , GO TC} C)R TEIsEPH~I+tE THE t7ICE 5ET }RTH BELOW Tt) FI'ND QUT "VERE Yt1U iN GET ~~ HELP (..'r~mberland: County 13~er Assocate~n ~2'~. Bedford ~tr~Et, f arYsle, PA cccrrxcz~ ~S%i:5 aE?Rt3''ii3r't5 £'/:~"`tu _ . _. ~,`_-:' 3 ~;~ . _ ~ «.__ -. ... .. i :„`" e:,G , ,. c'?,.a . _~'.;' _ , G~.BS ~~'. ~?~t'l.~v c:~: pu ..;.. C<!3 ... r3 ?:...i:.. ~`. i.s .... _.: .: :" ~,s'-_ t,.:r3 C;(~-. 1, ,^ W,w s~, _.. ~. _ w .'.~:. ~rCC~':..~~% Qi" ,cl .:.i?_ _ ~:? nPi~y-I'~ ___~. .-,.,~ £_,,..,,. ... ai^?~ is 3~ Y'~''!;....1 c..2 C ?'] 'wyT~ u~i ~':.... ... ..'.=i ..~ q~j r,? ~+x _ ... .. .. _ ,~ C ;a'. ~ r. ..... :> .i yam; :* w:~E:1GL.:_€V:i :.PiEpUT s. i-3i'S` E _ _. .. _ .. .,. . -, .;.. .. „~ __ , Tv _, . _ „~d'IF., ._Iz ~°; ~ ,emu JE;= T'- -_~_. .- -~=- ~'----~ ---..~ .. ~ - _~ °--.,. ._. ..F., .,_<.. ,. .as.ix: 13.\~ l L7. G' i..~l.~4i~T ~I~ +l_,Vt,'l i~i~~l ~LL' ~~. GU1rBERLAN~ C'OUN'TY, PE?~NSI'L~~A1~3IA ttiar}~ t.t~u 'vlatska, f'iaintiff, Citi=il ~Actioca Ner.: 07-1(199 v. .iun~ Trial Ueinanded FiZI~~ Financial Ser4-ic~s, lnc_ Uefendant, cc~~rrc.~r~T t. 1'lainut'f is an indi~iduat, residing in tlae Conamonu~ealtla c>f'1'ennsyl~~aiaia, anti consumer pursuant to l.~ L.S.C. ~ l ti92a(a). ~. Defendant is a b~rsine:4s entity~ies~ enga~cad in-the business afccjilectin~ clefts in this Conunonwealth xvith its pr[ncipat place ot: bustae:ss iocatcd at x(11 ~ 13elitine itcaad: Suite 1'00, Addison: ?"~ 75001,_ a. tin or alxiut September, Defendant cr~ntacted Plaindfl`b~° U.~a. a'vlait ~.nd te[el?hc+rae ca.lis in an attempt to collect ttta arlle~ed c~nsunzer debt. 4. Uef~ndacat is a debt rczilectczr as defined by the state la~~• and the 1'~UC;F'r~. l> C~.S.C'. 11 f9?a(b~. 5. Defendant sent letters and made teleiaiinne calls to Plaintiffs in L7ec:emt~er 201)6, which are <cc~mmunicatic~n_s" r~tatin~ tcr' a "d~tat" a.~ d~~ined b~ 15 l;~.S,C'. l I692a{2;). f. at all pertinent times ltereta, the defendant. atls~~etl that Plaintiff: ouerl a uansumerdebtr 1 ~ L==.S.C. ~ l (a~~?.~~r(jt. {llereinafter`the "altered debt."} .., _ .. 7. Iefendant c:otnmunirated with ptair~tiff'c~n c?r after cane: ~=ear befcare they ~lat~: <:rf`ihis action:, in-conraecticrxa-with cc~liccton ef~orts< b~ letters, telelahora~ contact or rattier doc;uraa~ent5, with regard to talaintif#'s atie~ed d~k~t. ~_ FlairrtifT'taciie~cs anti t3r~:ref'c~re aver~,ihat_L~e}fenct~rrt's I~;tt~;rs cc~ntaineci t~rlti~:. nrisleadin~, deceptive and}~r cvi~fusin~ ~tatecncnts, 9. Plaintiff bele~jes and thereft~re a~~ers that agents of Dt;fectd;ant, in its tele~ht~ne camrnunicatians made false; trrisle~cdirt~< dc~:elatil~c andd`r~r cc~rifusin~; staten~ent»w. 1 t?. 1~[aintif P helicct~s and thcreft~rc ~tr~e:rs t[~at aunts cif Defcndat~t, in its tel~phctne communicatit~ns, were rude. l~eti~erent, in~ultin~ aa~d I~arassii1 to the Plaintiff 11. Plaintiff disputes the al[e~eci debt al.id hereby reyues~ proof of the manner 'in ~~hich the. alleged Befit was calculated, a,4 is retluired: by state and federal law°. Ct?G~1'I' I - PE~'l~lfi~?L~=A1'~II~ F~4I1~ ~)1tF,t1-IT C~tI'Ii_~`SIC1'?~ lxltit~()F2Ml'1"1' AC'T 12. Plaintf~hereby inccar~c~rtttes the: fz~revc~it~~ as iffull4~ stated herein, 13. .lurisdiction ffir this ~ctitt~i is assertt:d pttrsitant tc, the I'ettn~tiFls=anin E=air Credit [~tensicfn L°nifz~rrt~ity~ .het, 73. P,S. 4~~70 et sec~- l~. '~'ialating ~ra~~isians oftlie Fair .Debt Collcctic~~1 Practices .let also ~-ia[atc; the. Pennsvi~•ania Ft~`EU; 7a P.S. ~??70.~(a}. 1 ~. That. defendant. engagedzti ut~faii• taiethf~ds of corripetitifin,and unfair cir deceptive acts fir practices, as detiitcd byr Ft`FC3-:and the re~ulatiQtts, tncludmg [aui nat lanitted tti. t=i~[atinns cif 37 f'a.Ctide ~~~`3(1;.~(~ 1, U a.a([ 4i. ~~~. a~ t ll`l. ~~E}.6 and 73 ~'.~;: ~;='(} 1-~~ 1. 16. Defeudarzt°s acts BLS descrikted herein evert; clone ~~•itli maiict~ns, interttional_ willful.. t•cck[ess, negli~~elat arttl wanton disregarel fir I'lat~tiff s rights with the purpc~sc~ cif ctiercin~ Plaintif~'tfa pa<< the ~-1legeci debt:. 1 ?. As a retiult of tlxe alaf~~e violatif~rt~, Plainttf is entitled tci statutr~r}•. actual; treble and punitive damages and attnrrtey's fees and costs. ti~'N~R~EFORE, p[aintiCfre~uestsshat this I-lonearable Court issue judgmetlt on Plaintiff's l~ehali and against defendant fear a statutt~r~ frenaltti-. trehic c[ama~es. punitive damages, attvrne~ fes and: USt~'pursuant tea 7a P,S. ~~~7.~. l g. Plaintiff itereb}~ incot7aarates the f>rgoing as if CuII}~ set larch hereirj. I9. .iririsdictian fear this action is>asserted pursuant to thc~ Pennsy~tuania Lnfair Trade Practices and.t"antiunt~r F'ratectian t.avw.7 P.S. ~~t41-t ~t_ticy. ?{). That defendant enga€+~cd in unfair metlletci.~ aficc~tnpcxtiticrn and,unfur c7r deceptitile acts car practices. as defi~zzd lsv t?T'1'CPT:. ~1. As a resuit afthe abc~VC vie~tations; E'Iainttk# is entitled tt~ statutc~r~~, actual, feeble and punitive damages ant. attarne~~"s fc;s and:casts. WI~ER~FQKC, ~Iaintiff t~quersts that this Hunc~rabte +Gauri issue judgment act Ptaintift"s hehatCand against defendarte fc~r a stattitar~° ~enatt~, treble t[ama~,es. punit:4fe damages, attortYeu fees and ee~~ts pursuant to ?3 P.S. ~"~t)l-~?t~2. GUUN1' .IC[ - F.A[R DEBT CQLI~Et:TIU!~ t'~4C`TICE~ AC.'T 22. E'Iainti#T'hereb~ incttrltarates the: f~ar~_~oin~~ as il° full}` sec Earth l~crein. ?~_ Jurisdietan {'r~r this actian is assertr~ct pursuant tee the F~'air I)eht C`alle;ctie~n }?radices ~c.t, I ~ Cl.:.C'. ~ t~i92, et sey. ~``l'tJCPA"j, par~ictttar~~~ I S Li.S.C`. ~ l E,~~k{d} at~d ~~ (a.S.C. ~I37. ?~. ~~enue lies irr this L?istrict pursuant tc3 ?fit [_,'.S.{~". l ?e)t (h). ?~: The FDCPA stares that a ~~i~fatian_c~fstate Ia~~` is a viatatian of the I=i:~C.'I',~. 15 ti.~i:C:'. ~? 1 £92n. 26. PlaintiCCbelit~'~~ a~~d therefore avet~ that de:f~nefartt daes rtt~t f~a~~t pr~~pLr atisigr~ntent c~C the claim. and.5 ther~fc~re. uriablc ts~ caltect the a(1L~,~~d clc~bt pltrsuatlt tc~I~ f.'a C'.~5. ? 7. Plaintiff betieti;es and theref'are ac;ers that de#endant does not have Prc~}aer assignments and~ctr doeumentati~n permitting said defendants to har~e interest, fps andiar fasts. 1 ~ '$. The FDCP.4 states tl~1t a vdlatiozt c~#` state lass- is a viat~ttit~n ~f tl~t; l"~ I)C'l';A. ! ~ C?. C. ~ i b92n. Defendant ~:•iolated this sectittu z>f'tl~e l DCPA. 29. Plainti#~`:helie~~es and therefore wets that de#endant added interest, fees and casts in vit~fativt~ of Mate and f'ederal' Iasv; fit}. Defendant in its cctllectian effc~r•ts demanded interest, fees and/car-casts in vialation of the FDCP:4, 14 L}.S.G. ~ i692f(l) ~~nd '1:6~2e(~ ).~ and F3': 3f,. ~`ltere was ney~er an empress agreerztent.ti~~ !'1€tntif~~ta }gay any additianal fees, cast or interest to De#ndartt ar any ~f`its agents. 3?. Defendant Edited to pr~avide draper cansttmer tiu~rnin€ irr its initial telephone contact, in c~iatatian of 1 ~ [ ~.S.C; ~ l Ei92e(l l ). ?.~. Defendant failed to send Plaintiff a validation native ta~itltin eve days of the inittial ct~ntact to vic~latian of 1~ L~.`~.t:.10924^~ 3~. Defendant added ttnla~dfuf int~;rest cl~ar~es or c~thc;r amounts t>~, the alleged debt. or misrepresented :the ant~unt r>•f the cielx, ire s~i~~latic~n cif ! ~ [.w:~.C`. t [ (i~2#t l t at~d 1692e(~}A and E3. ~S. [)rfendant auershad+ls~ved the f'D~T'.~. uittRtin~. I ~ t`.~:t; . ~ 1692. 3C. Dt~fendant arici~`c+r ai;ents c~f~ defend<~ttt tllreateued action rhttt c,ant~t legally lae taken andr`ar ~udnt intended tc~ lae tz~l:c-> in vialafian of 15 C?.S;C'. ~f~i~)'?ct>}. 37. Gef'enti~irtt at',d~~?r aEeits of the defendant. thrt:atened tc~ ec~ctxmunic;ate false credit rnfvrniatan, itt vialatic~n of in ~~io[ation eat' l ~ t~S.C. i Ei92r.~A). a~. The altegtatt debt is ~~er l0 years ofd and fas paid 8 ~~esars aka; 39: I~efe~'idant interitic>nally atte2npt to deceive Pfaintiffinta reaf#irmin~; ata a~~:d dek~t, 4~. i~fenidant and# ~~r agents of the defendant. refused to cr~mmunieate that Plaintiff di.~puted the alleged debt. in vcrlatic>n of 1 ~'t.S.C. ~16~?e{~~. 4'I. Defendant andrbr agent`s caf: the defendant ~?ivt false. iiecept4>e and misleading information tc- Ptaintiiffe in ~vialafan cif l5 t,'.S.C. ~Ib92e{7(}). ~2. peferidar>!t and~or agents af'the defendhrlt attern}~ted to collect a time barred. debt, in violation of I ~ L ~.Sfi. ~ t fi92f 4;. I)efend~ant andlor agents of the defendant was rude, hclligc:rent and insuttirtg to the 1'l~iintiff and used prc~f~tne :gad abttsic~~k language in v~iolati~>n of 15 [:'.S.C. 51692 f: 4~. Defendant and~car agents of the defendant:. cat;r;~eci the phr~ne tc~ ring anal engaged the Plaintiff in t~epeatcd tclelahi~ne cc~r~~~ersatic~ns, in ~-iolatictn cif' 1 ~ >ti`.S.C'. ~1f92d(a}. 4a_ l~efendaat and3c~r agents cafti~e de'i'r?r~dant made c<ails't~~ the Plaintiff ~~~itherut disclc~sirxg hislher id~ntit} , in vitylaticinx}f 1 ~ C,~.S.C.~~" I fi92d{6}. 4f~. De#endant and!or agents of the defendant communicated with a third partlt,l'lainti~'s husband) and .failed. to Prn}~erl~ identifl= him;'hersetf, <~nd disc:lased inft~rrrtation rc~arding the alleged cl~,:bt, in ~ halation cif' l ~ L1, S. C. ~ i firt2b(t) at~d (? ).. 47. Defendant andfor a<~errts nftyre:dcfendant ectr`nntunii=atcd with.:. a third I~artr£, f~tiletl to Prcr}~erly idetttifi~ bitil.'herelE and. lisclasecil information rc:gardirig the atle~~d delft, mare than ante anti ~~~ithir~t the r.c~nset~t cif 1'ltrtttitt'or- the tlic-d patty. in ~ c~latinn ~f I y Li.~.C . 1692b(3;) Off. The I^DGPA states, a debt ctillectc~r rna~ not u:~e unfair or uncc~tiscionablt means to collet car attert~pt to c:cali~t and cleft. l ~ ~=.S.C~. ~ l ti'~?1< Def~:ndat>t etiolated this scctiCTn of the.. Fi3CP~1,. 49. ~'he 1~f.7C;PA Mates, a debt collector ma}r Wert utie false, decepti~,4 or taasleading representation ar tneat~s in connec;[itan «=th the c>c~Ilection cst'~€rit~ debt_ t ~ t .S:C'. I Ca92e{~~ and ~ I f1}. ~ l C€12F(E;j and ~ 169?.l, Def ctdant violated these. sections of the;: Fit'P~~1. ~0. `l'he F~I3CI~,A states, g- €tebt etrllectt~r;mav nett discuss the con~uriaers alle~~ecl debt w=ith a ~tird laar-n. Tle ©ef'endant~icjlatecl thi:5 section of'the 1wDC'1'~. 1. 'I"he FDGI ~ states, a debt c~~llector may- not engage in any cczndxcct: ~e natural. conseyucnee o#' tivhich is to hara:~s, oppress or abuse any. person in cernnection with. ~e collection o#'a debt. 1 ~ 1~.~.C'. ~ 169~d.Dc#indant ~~iotated fhi4 section cif the 1~I)C;I'A. 5?. The f I7~`F'~1 ~ro~rides certain ri~;l~ts tc~ the cc7n~;c~ntc~r rr:~€irding lz~r right t« dispute the alleged debt. 1 ~ U.S.C:. ~ 1 G9?~. Defendaant violated this secti>n of the 1~l)C:~l'A. Via'. Any threat of litigation is false if tl-e defendant rarely, sue4 ccansumer debtars or if the defendant dtd npt intend tc~ Sue the T'faintff. ~entl~ ~~. C%r~;at [.akcr C'oilectit~n .Bureau. 6 E.~d G2 (?d C:ir. 1 X39$;l. fee als<~, I ~ t ~:.C~. ~ 1 G~)2e(~ j, 1 ~ t .S.C'. ~ 1 fi~7'?e(l ~). 54. At all time pertinent herc:to;'the defendant «as acting by anti thrc-u~li itc a~~::nts, ser~alits and: or employ~ecs, ~~ lt~~ w-~;r~ ac:tin~ within the sc«pe and ccactrsc: <-f their ert~pfoyn~~nt, acad. under the dia-ect supers isinn anti c~ratrol cat the defendants herein. 5~. At all times pertinent. heret~a, th.e conduct c-#vdef~ttdacat as w°ell pis their a<,~en.t~. ser~~ar~t~; and~c~r etaaployees, was malcious,;,intentionaf, ~°illtul, recl~I~ss; negl~ont and in w~uatcan dsrelard for federal and stag lau= and the rights raf'the I'lainti#~~'herera. ~6. The abo~'e ~nerationed acts w=ith suppartin~~ uses demonstrates that the ec~nduct cif defendants rises to the les~el needed for puniti~Be dana~:~es. ~7, Defendant, iaa its collection cff'orts, ~,~icalated tlae ~ I)C'P~, i~rler• crlia, ~tictians l 69~, b, c, d, e, f g, la, and%or it. ~~. Defendant, in its coll~~tiot3 efl~rts, used false c-r deceptive ac t5 and nt~:raded t~.~ oppress and harass plantit ~~. That, a$ a result of the: ti~•rc~n«tial tactics of defendants as afc~remcnticaned, ptaintiff'ttas f»n sui~jected to anxiety, .harassment, intiruidatic-n and anno~'anc~ for wl~icll compcnsxtican is ~c~u~~hr. ,. V!'HEREFt7-R~, E'laintiff resfaectfuti~~ requests that his tlnncarable Ccaurt c:ntc~r iud~znent far I'laintif'f and against defendant and issue are C}rder: (:~) :sward Piaintiffstatutory damages in the anaautrt oi'~ne Thousand t7czilars tl,(?~{1.~Q~ fiar Caclt'vicatattan of the FI)C'1'A or cash :separate and di~cretc: incident itt r,~~hich defendants. have vic,lated tha t::UC.I'.~- {B;1 ~lwarcl 1`'lrrinti~'gen~r~l ciamxages-and prrrkiti~e damages firr anxiety, ktaras~tnent~ and intimiilatinn directed at Piaintift'in ~n arnoutrt not less that T~n'I`hou~aard I3allars ($1(1,CIC1f1.(l0~, ~ vucFll as the repctiti~~e nature of° defendants farm letters. C~ A~drxrd Pi3inti.(f'costs of'tlis litigatiian, including a reastanable attcarrrey~'S fee at d .rate of ~4~0:Otl~herurtar hours reastanfrlal~':ex~:ndLd plaintiff ti attcarnep- in. virxlcating his r-ightti ur-de~r fihe FDC:pA, permitted by i 5 1.~.;s.C. ~l (i~`?k(a}{?). {U) A~~ard deeiaratc,r< ant injrznetir=e r~li~f and such ether r~lier as this Honorable Court deems tteccss<<r~{ and Pamper car lam' car equity mar prc~~~i;de. C`tl'I;~tT C~ - )~ ATR C;RT:©YT 12rPCJKTING AC`T FO. I'Iaintiffherebr~ incorporates tiie t«re~!~,inL as if fiallt= set fi7rtlr herein. 6l . 1'he Fair Credit Reporting at, 1 ~ 11.~;.C . ~ 1 fiA 1 b t±rohibts the irnprt~per u~;e cats a e.onsumer's credit inttarmation. 6?. t'ainti.ff lielfe~~es and. therefiare avers that the defcncl~tnt rtipcrrted fatse..niisleading andlcar inaccurate inf~armatic~tz on I'laintil~t's credit report, ~~ithrrut lint r~aiidating the alleged .debt. b3. I~etendant atertifited to report ands=car thr~~t~rred to r~Fc~rt ~r time-ks~trr~tl debt. Erb. E'laintff believes and there(`r~re avers that -the defendant re~~i~~cd 1'iilintrl~`:s credit. se~rt . without ~rn~er autliarity gar as~i~~nm~r~f cif the ~ll~~~d debt: VtrHE.REFC?tRE, i'fiaintiFf'respecefull~ rcgtiest.~ that his Ht~norabte C"vttrt enter judgrnettt far i'lantiff and agan~-t defendant and is~tte an Order: (A) Award Plainti~i statutory dalnzr~es in the ~motxnt vf'CJne "1'tlousant Lkrllars ($ I.OOq.C)(}) for each vit~latitrn r>f the 1°C;Itr1 or c:a~;h se~drate and discrete 'incident in which defendants ha~Je v.otated :the F'C:iL~. 1'S L.S.C'. §1G81n(al{1 j{_~). t$) ~~~~rir~# Plaintff'~;c~ncral darrid~e~ and punitive damages tcrr anxiety harassment, and'int'rn•tid~tir~n directed at I~laintiffin ~n amctuytt not less than e'en Thousand i3allars {S 10;{IOU.OU), as ~~ell as the rcpGt:iti~e c~ature of defendants form letters. G) Award Ylaint,i,f't`cc>sts t~f`tltis liti~,~tion, inesludin~ a rc:ascsttal~le attoz7~er-'s #:ee ata rate ot'~-t~{~.EJ(3f'hrlur-for hcrur~; revasc~nabEy expended ~"taintff s attcrrnc:} in tifindieatin~_ his ri~h[s und~:r tl~e 1~t7~`i'. ernirtt~:d b~~ l:S t_1.5_~'.~~'Ifi81n{}C'}. C}ated: ~r'731(?7 l~}': °itn ~2lritGG4 1)eann€t L:~~nn ~aracco.~ttarney fir plaintiff' 76 Creetut~artt I.?ti~~e. Enola, _PA 1702 T`ei. 7 17-7 ~'_ ~ 7~() Fax 717-72f1-~49 f:niail: 5aracc<>L,at~~~a anl:ccrm n N ~ o ~ ~ :~- . (V .J „ t Y ~ C~"1 -C