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HomeMy WebLinkAbout03-4251PAULA MUMBAUER, mother and guardian of Carl Weis Plaintiff, V. UNIQUE NATIONAL COLLECTIONS, : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, : PENNSYLVANIA : CIVIL TERM NO.: ~3 Defendant. NOTICE TO PLEAD TO THE DEFENDANT NAMED HEREIN: 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 is served, by entering a written appearance personally or by attorney and filing in writiI~g 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 further notice for any money claimed in the Complaint, or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 717-249-3166, 800-990-9108 NOTICIA Le han demandado a usted en la corte. Si usted quire defenderse de estas demandas expuetas en las paginas siquientes, usted tiene viente (20) dias de plazo al partir de la fecha de la excrita o en persona o pot abogado y archivar en la corte en forma excrita sus defensas o sus objectiones a las demande, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso o notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. Usted puede perder dinero o sus propiedades o otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICION, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE PUEDECONSEGUIR ASISTENCIA LEGAL. PAULA MUMBAUER, mother and guardian of Carl Weis Plaintiff, V. UNIQUE NATIONAL COLLECTIONS, Defendant. : 1N THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, : PENNSYLVANIA : CIVIL TERM NO.: COMPLAINT COUNT I Jurisdiction for this action is asserted pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. §1692, et seq. ("FDCPA"}, particularly 15 U.S.C. §1692k(d) and 28 U.S.C. §1337. Venue lies in this District pursuant to 28 U.S.C. 1391(b). Plaintiffis an individual and consumer pursuant to 15 U.S.C. §1692a(6).. Defendant is a debt collector/business entity(ies) engaged in the business of collecting debts within this Commonwealth via letters and telephone calls, with its principal place of business located at 119 E. Maple Street, Jeffersonville, 1N 47130. Defendant communicated with plaintiff`on or after one year before the date of this action, in connection with collection efforts, by letters, telephone contact or other documents, with regard to plaintiff's alleged and disputed debt. Defendant is a debt collectors as defined by 15 U.S.C §!692a(3). Defendant sent a dunning notice and/or collection letter to Plaintiffwhich is a "communication" relating to a "debt" as defined by 15 U.S.C. § 1692a(2) and §1692a(5). See Exhibit A attached. At all pertinent times hereto, defendant was hired to collect an alleged debt relating to a consumer transaction. (Hereinafter the "alleged debt.") 9. The FDCPA applies to obligations and alleged obligations. 10. The FDCPA states, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 81692£ 11. The FDCPA states, a debt collector may not use false, deceptive or misleading representation or means in connection with the collection of any debt. 15 U.S.C. §1692e. 12. The FDCPA states, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. 15 U.S.C. §1692d. 13. The FDCPA states, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. §1692c. 14. The FDCPA states, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. 15 U.S.C. §1692c(b). 15. The FDCPA states, it is unlawful to design, compile and furnish any form knowing that such form would be used to create the false believe in a consumer that a person other than the creditor of such consumer it participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 15 U.S.C. §1692j. 16. The FDCPA provides certain rights to the consumer regarding her right to dispute the alleged debt, 15 U.S.C. §1692g. 17. On or about October 10, 2003, defendant drafted and mailed a dunning notice or collection letter, to Plaintiff, via U.S. Mail. 18. A true and correct copy of the letter is attached as Exhibit A and is incorporated as if fully set forth herein. 19. The letter further stated that, "We notified you approximately three weeks ago that you had an overdue balance...' 20. The letter further threatened to report to the credit union for 7 years. 21. The letter was addressed to a minor. 22. The threats were made to a minor, 10 years old. 23. The debt collector did not have the name and address of Plaintiff's parents, as such, could only threaten to hurt the 10 year old's credit report. 24. Defendant sent a previous letter to PlaintilTs minor son, which also contained a validation notice. 25. However, the validation notice on both letters indicated that Plaintiff's minor son had 30 days to dispute the debt. 26. This is confusing because the second letter was sent prior to the expiration of the validation period. 27. The second letter sent prior to the expiration of the validation period threatened to report the child to a credit reporting agency. 28. The second letter contained the validation notice, extending the validation period another 3 O-days. 29. Defendant in its collection efforts, demanded fees and costs in violation of the FDCPA, 15 U.S.C. §1692f(1) and 1692e(2)A and B. 30. Defendant's letter was false, misleading and deceptive and failed to inform Plaintiff of her rights under the FDCPA, in violation of 15 U.S.C. § 1692e. 31. The form of Defendant's letter was intentionally confusing, deceptive and misleading in violation of 15 U.S.C. §1692e. 32. 33. 34. 36. 37. 38. 39. 40. 41. Defendant's letter failed to inform Plaintiff that she is entitled to make partial payments, in violation of 15 U.S.C. §1692h. The language of Defendant's letter and content of their telephone calls was intended to intimidate and coerce Plaintiff`into paying the alleged debt, in violation of 15 U.S.C. §1692d. Defendant's letter overshadowed the validation notice, in violation of 15 U. S. C. § 1692g, Defendant's mass mailed for letters. In re Belile, 208 B.R. 658 (E.D. Pa 1977). Defendant's letter created a false sense of urgency in both Plaintiff`as well as would create same in the least sophisticated consumer. Tolentino v. Friedman, 833 F. Supp. 697 (N.D. Ill. 1993); Sluys v. Hand, 831 F. Supp. 321 (SD.N.Y. 1993); and Rosa v. Gaynor, 784 F. Supp 1 (D. Conn. 1989). Defendant's letter was intentionally confusing and deceptive, in violation of 15 U.S.C §1692e(5) and (10), §1692f(8) and §1692j. At all time pertinent hereto, the defendant was acting by and through its agents, servants and/or employees, who were acting within the scope and course of their employment, and under the direct supervision and control of the defendants herein. At all times pertinent hereto, the conduct of the defendant, as well as its agents, servants, and/or employees, was malicious, intentional, willful, reckless, negligent and in wanton disregard for federal and state law and the rights of the Plaintiff herein. Plaintiff` believes and therefore avers that the defendant made false threats of litigation. Defendant's threat of litigation was false because defendants do not routinely file suit against consumer debtors, in violation of 15 U.S.C. §1692e(5) and (10). 42. Defendant, in its collection efforts, violated the FDCPA, inter alia, Sections 1692, b, c, d, e, f, g, h, i, and/or n. 43. Defendants, in their collection efforts, used false or deceptive acts and intended to oppress and harass plaintiff 44. That, as a result of the wrongful tactics of defendants as aforementioned, plaintiff has been subjected to anxiety, harassment, intimidation and annoyance for which compensation is sought. WitEREFORE, Plaintiffrespectfully requests that his Honorable Court enter judgment on behalf of her and her minor son, and against defendants and issue an Order: (A) Award Plaintiff statutory damages in the amount of One Thousand Dollars ($1,000.00) for each violation of the FDCPA or each separate and discrete incident in which defendants have violated the FDCPA. Kashak v. Raritan Valley Collection Agency, F. Supp. (D.N.J. May 23, 1989), and Rabideau v. Management Adjustment Bureau, 805 F. Supp. 1086, 1095 (W.D.N.Y. 1992) (B) Award Plaintiff damages for anxiety, harassment, and intimidation directed at her in an amount not less than Ten Thousand Dollars ($10,000.00), as well as the repetitive nature of defendants form letters. (C) Award Plaintiff costs of this litigation, including a reasonable attorney's fee at a rate of $300.00/hour for hours reasonably expended by her attorney in vindicating his rights under the FDCPA, permitted by 15 U.S.C. §1692k(a)(3). (D) Award declaratory and injunctive relief, and such other relief as this Honorable Court deems necessary and proper or law or equity may provide. 45. 46. 47. 48. 49. 50. 51. 52. COUNT II Plaintiffhereby incorporates Count I of this Complaint as if fully set forth herein. Jurisdiction for Count II is pursuant to the Pennsylvania Fair Credit Extension Uniformity Act. 73 P. S. {}2270.1 et seq. That defendant engaged in unfair methods of competition and unfair or deceptive acts or practices. Defendant's act as described herein were done with malicious, intentional, willful, reckless, negligent and wanton disregard for Plaintiff's rights with the purpose of coercing Plaintiffto pay the alleged debt. As a result of the above violations, Plaintiff is entitled to statutory, actual, treble and punitive damages and attorney's fees and costs. Plalntiffbelieves and therefore avers that defendant made material misrepresentations to Plaintiff Defendant misrepresented to Plaintiffthat she owed return check fees of $30.00, in violation of Section 2270.4(b)(5) of the Fair Credit Extension Uniformity Act. Defendant intended to made false statements and material misrepresentations to Plaintiff, via United States Mail, in order to coerce Plaintiffinto paying more than the alleged debt. WHEREFORE, Plaintiffrespectfully requests that this Honorable Court, find against defendant and award One Hundred Dollars in statutory damages, treble damages as permitted by statute, attorney fees and costs as permitted by statute along with $5,000.00 for anxiety, harassment and intimidation directed at her and her minor son. Dated: 8/27/03 By: Deanna Lynn Smith Attorney for Plaintiff 76 Greenmont Drive Enola, Pennsylvania 17025 Telephone 717-732-3750 Fax 717-728-9498 SMITHDELYN~aol.com · 119 E Maple St °J¢ffcrsonville IN 47 [ 30 RETURN SERVICE REQUESTED October 10, 2002 1885009-002 178484 11659 I,,,lll,,I,II,,,,,,lll,,I,,I,l,,I,,I,,,lll,l,,,,I,II,l,,,,I,II To The Parents/Guardian Of Carl Weiss 629 Martins Ln Bethlehem PA 18018-5419 1.-Collections Belhlehmn Area Public t ibrary 11 W Church St Bethlehem PA 18018-5888 Account # 9482 Amount: $ 250.50 Account #: 9482 Bethlehem Area Public Library Total Due: $ 250.50 ***Detach Upper Portion And Return Wifll Payment*** This is an attempt to collect a debt and any information obtained will be used for that purpose. We notified you approximately three weeks ago that you had an overdue balance with the Bethlehem Area Public Library. To date, the Library has not yet notified us that you have cleared your account. Should you ignore this notice, we want to bring certain facts to 5'our attention, we may request permission from the Library to report this debt to national Credit Reporting Agencies. Notice of your non-payment may be made available lo credit grantors and others who may seek your credit history. Once reported, this adverse information can stay on your record for up to SEVEN YEARS. Why allow this to happen? We feel sure you will agree that response is the best solution. If you have past due materials, the3, can be returned to any location of the Bethlehem Area Public Library. If you have misplaced the material, or if you have returned the material and have not yet paid your fines, please send your check or money order in the amount of $250.50. Cash payment cannot be accepted by mail. If you have any questions, please call your local branch or 610-867-3761 X202 during regular business hours. Charles L. Gary Collection Manager Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office wilt obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. BOUNIQI 0o02 FINEMAN KREKSTEIN & HARRIS, P.C. BY RICHARD J. PERR, ESQUIRE Attorney I.D. No. 72883 1608 Walnut Street, 19th Floor Philadelphia, PA 19103-5413 PHONE 215-893-9300 FAX 215-893-8739 Attorneys for Defendant PAULA MUMBAUER, mother & guardian of Carl Weis, Plaintiff UNIQUE NATIONAl4 COLLECTIONS, Defend0nt COURT OF COMMON PLEAS COUNTY OF CUMBERLAND CIVIL TERM NO. 03-4251 PRAECIPE OF NOTICE OF REMOVAL You are directed to take notice that the above action has been removed to the United States District Court f6r the Middle District of Pennsylvania at Civil Action No. 1:03-CV-1764- YK, pursuant to the at Court for the Middle I Removal is attached ached Notice of Removal filed with the Clerk of the United States District fistfict of Pennsylvania on October 6, 2003. A copy of the Notice of reto as Exhibit 1. RICHARD~.J..~I~4~ESQUIRE (ID NO. 72883) 1608 )~tl~t Street, 19th Floor Philaffelphia, PA 19103-5413 215-893-9300 FAX 215-893-8739 Attorneys for Dated: Octobe! 29, 20O3 0p(6116) 17205 CERTIFICATE OF SERVICE I, RICHARD J. PERR, ESQUIRE, hereby certify that on this date I served a tree and correct copy of the foregoing Praecipe of Notice of Removal by first class mail, postage prepaid, on the following: Dated: rjp(6116)17205 Deanna Lynn Smith, Esquire 76 Greenmont Drive Enola, PA 17025 Attorn~~~ RI~RD J'7. PERR October 29, 2003 EXHIBIT 1 IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA PAULA MUMBAUI~R, as mother and : Guardian of Carl Weis, : NO. LED UNIQUE NATIONAL COLLECTIONS : JURY TRIAL DEMANDED # ~ : UTfl~LERK~ i NOTICE OF REMOVAL Defendant Unique National Collections (hereinafter referred to "Unique"), by its undersigned counsel, hereby petitions this Court as follows, pursuant to 28 U.S.C. § 1331: 1. Uniqu~ is a defendant in an action pending in the Pennsylvania Court of Common Pleas for Cumberland County, No. 03-4251 ("the State Court Action"). Unique received a copy of the Complaint. A ~'ue and correct copy of the Complaint in the State Court Action is attached hereto as Exhibit "A'I. Plain~ffin the State Court Action is Paula Mm~bauer. Plaintiff is alleged to be 2. an individual and consumer pursuant to 15 U.S.C. § 1692a(6). See Exhibit "A". 3. The State Court Action involves a federal question of law. 4. Pursu ~nt to 28 U.S.C. § 1331, "[t]he district eomt shall have original jurisdiction of all civil actions ax ising under the Constitution, laws, or treaties of the United States." 5. Plain"iff's State Court Action alleges violations of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq. 6. Plain to 28 U.S.C. 1391(b 7. Sinc{ iff's State Court Action also alleges that venue lies in this District pursuant ;his case arises out of an alleged violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq., this Court may properly remove the State Court Action based on 28 U.S.C. § 1331. 8. This Notice has been filed with the Court within thirty (30) days after purported service of the Complaint on Unique. WHEREFORE, Unique prays that the State Court Action be removed fi.om the Pennsylvania Court o~[ Common Pleas for Cumberland County to this Court for proper and just determination. Respectfully submitted, 1608 Walnut Street, 19th Floor Philadelphia, PA 19103 215-893-9300 A'ttomeys for Defendant Unique National Collections Dated: lO f,g. f03 CERTIFICATE OF SERVICE I, RICHARD J. PERR, ESQUIRE, hereby certify that on this date I served a tree and correct copy of the foregoing Notice of Removal by first class mail, postage prepaid, on the following: Dated: rjp(6116)17205 Deanna Lynn Smith, Esquire 76 Greenmont Drive Enola, PA 17025 Attorney for Plaintiff Octol: ~r 3, 2003 EXHIBIT "A" PAUl .A MI }MItAI. IY.I~I, PlahltilT, I/NIQ. UE NATIONAL COLLECTIONS, : IN ll4E COl- R.I Ol COMivlON PLEAS : CUMBI~I'iLAND COUNTY, : PENNfi~ANIA Defendant, the claims se~ f~ within ~M~n~v f2' entering a writt filing in writin the claims set fall to do so, any money claim relief reqUeSted property or oth~ YOU SHOULD HAVE AL~WYER dia~ de'plazo al I ~ma~de, la torte LL~VE ~STA Sued in court. If you wish to ~rth in th~- fo] lowing page~, you must taka ac%ion days. after this Gomplair~t is servod, by appearance personally or by attorney and with the court your defenses or objection~ to ~rth against you. You are warned =hat if you ~c cu:~ m~y pro=eed withoDt furthar notice for in the Compla%nt, or for any other Claim or by =he Plaintiff. YoU ~y lose money or rights import~t to you. THI~ P~ TO YO~ ~R AT ON~- IF YOU DO ~OT TO FZ~ O~ WHE~ YOU ~ GET ~ Cumberlund Count~ Bar ~soc~fio~ _- ~.o - 2 Libe~ Av~ue Carl~l~ PA ue~ua ~n las pagina~ si~ui~e~, uste~ ciene vi~n~e ~ep lC.D2 PAULA MUM,B AUEP,. -mmhar ea~d guardian of'Curl Weis Plaintill~ UNIQUE N^'FIONAL r.:OLLEC'I'IONIg. ['bi THE COURT ,DF COMMON PLff~$ .. CUMBEKLAND COUNTY. : PENNSYLVANIA ; : CIVLI. ~fEI~M NO.: D~l~ndonL _COM PI.AINT QOUNT_! Jurmdtctlon for tins actioa i$ ass¢~a.cd pursuant to th: F~r Debt Collection Pracliccs 15 U.8.C. ~1~92, ot ~oq. ¢'FDCPA"), pa~cul~ly 15 U.$.~. ~16~2k{d) and 2g Vcm~e Ii=s in thi~; Di~tri~ pursuant to 2g U.S.C. 13Ol(b). Plainfiffi~ =im ividuM ~d comum~r p~su~t to 15 U,S,C. ~ 1692a(6).. Del~d~t is a ~ ~bt ooil~tnr~u~in~s ~fity(ies) en~ged m tll~ bu~II~$~ o[ dobr$ wit~ tiff,,, Commo~¢alth via l~tt~ ~d tale~hone ~lls. with its pfin~pa{ o/busin~ss 1o=~ ted at 119 E. Maple S~t, ]otl~$onvill~ IN 47130. D~fendant corn nuni~at~d with pl~ntiff on or ~r one year b~or~ thy dato of thi~ action, in ¢onnc<:tion ~kh collection o[I'orts, by l~tteJ~, t~lephouu ~ouLact with regard to Defendant is it Dof, ndant sen "communi~ati~ S~,~ t._'xhiblt A At MI p=~in~r or other do~;uments, ~[alntilI's Mleged and disptiteM debt. d~bt oolI~ctor~ as defin~ by 15 U.S,C ~ 1692a~3). a dunning noti~= an~or ~ll~tion I~R~ to Plaimiffwhi~ ia ~ ,n' r=la~ng to a "d~t" aa d~fin~d by 15 U.S.C. ~ 1692a(2) and ~ attached. thncs hereto, def~d~t was hired to ~llect ~ ~l~g~d d~bt rMating :action. (lter~n~=r fil~ "gl~g~ flcbt.") 11- 12. 13. 14. 15. . The FDCPA ~ppli,'s te eb£i~atim:s ~¥_d. ~ll:~:d Thc FDCPA sta~, ~ d~bt ~ll:~or may no~ us~ u~r or ~ns~on~l~ mcm~s to ~llcct or a:tcmpt ~o ~ilect ~y dcbL 15 U.S.C. ~IG91/i ~1~ FDCPA states, ~ d~bt ~oll~mr may aot u~ f~se, d~p~ive o~ mi~l~ding r:presenmdoa c r m~ in c~nn~::ion wi~ ~e coll~c~on oF ~y d=bL 15 U,S.C, ~ 1592e. ~ FDCPA ~ [~s, ~ debt collector ~y not ~gag~ in ~y co,duct ~e natu~ ~m~u~nc~ of whic~ is to h~r~s, oppr~ or ~bus: ~y person in TI~ FDCPA s: tt~, · debt collector may uot ~o~uni~ with ~ ~n~mer wi~ tb~:oll~o~ ion of~y debt. 15 U.S.C, ~e ~CPA s~ ~t~s, a debt ~llc~tor m~y ~ot ~ommuni~qte, in conn~on with the Th~ FDCPA s t~% it is unl~ to de~igu, compile ~d ~ish ~y form ~o~g ~t ~ch fo~ wo~ ~ld be us~ ~ cre~:~ ~ [~e bcli~w in a ~o~sum~ ~e credlto o~ 'sucl~ ~um~r it p~i~ip~mg in ~ ~olle:tlon o~or ia m ~tt~mp: m ~otle~t ~ d~t~u~ co~m~ ~l~gedly ow~ su~ creditor, whca / not so p~i~i~ng. ~5 U.S.C. }.5. 17. 1~;, The FDCPA alleg~.d debt, On or about ¢o11~¢1Jo~ let A true aad c, set forth her~ '~rovides certain dghB to the comumcr rogarding h~r right to dispu:e the 15 U,$.C. §lfi929. 3¢tober 10, 2003, d~f~ndant draf~ext and mail~l a dunning notice or 'ur, to Plaintiff. via U.S, Mail. )rre~ ~py of ~ [~:t~r L~ atmch~ as F~.ibk A and is incorporated as if fully 27, I0 el'he letter further stated that. "W0 notified you approximately lt~me walks ago that you had an overdue balmme..." 20. The Iettur fm~h~ ~hr~amned to ~cpoa to the ~cdit union for 7 ycar~, 21. The l~tt~' w~ ~flr~ssed to a minor. 2~. The throats w~e made to a minor, I 0 y~s old. 23. The dcb~ collectqr did not hav~ ~e n~e ~d addross oFPl~ntiWs par~ts, ~ mob, could only t~eatoa to ~u~ fi~c 10 7~ old's credit r~pom 24. Dcf~ad~t sent ~ pr~wous letter to Pi~nfiWs minor son,. w~ ~so ~t~ed a validation notice~ 25. However, fl~e riparian notice on both left,s ~di~t~ that Plenties ~nor son had 30 days to d~utc Ih0 debt. 26. Th~ is en~us~g because dxe se~nd lett~ w~ sent prior to Lhe exp~raaon validation period. g sent prior to ~e expir~on & ~ v~ida6on period ~atoned to r~po~ edit reporting agency. er ~nmin~ thc v~idation noti,~ extending tho v~idafion period anolher 29. 30. The second lett The se°ond let' 30-days, D~q'~ndant in it 15 U.$.C. §le 31. ; collection cffor~s; dcmanded fee_~ and ~osts in violation of the FDCPA~ ~2f(l ) ~xd 16~2e(2)A and B. D&~dant's ktter wa~ false, mi~l,ading and deceptive and fail=d to iafonu plaintill' et' l~er rights undir the FDCPA, in violation of 15 U.S.C. §1592e. The ~%rm of ~fcndant'.s letter was intentionally con£urdng, deczptivc and misleading in violation of 11 U_S.C. §lfi92e. ,e~ 16.0~'OE:Oop 32. 33: .34. 36. 37. 38. 39. 40. Defendant s letter {Jmled to imrorm Plaintiff that she ia entitled to make paaiul payments, violation o[' 15 U.S.C. §1692h- 'i'he language of Defendant's icxter ,~nd content of their telephone calls was intended to intimidate and entre* Plalutiffinto paying fl~e alleged debt, ia v/clarion o£ 15 U.S.C. § 1692fl. DefeJadanC$ letter overslmdowed the v~datmn not,ce, ~n mola~mn of 15 U. S. C. ~ 1692g Def~dam's ~q ~od rot lettc~. In re Bclile~ 208 B.R. 058 (t~D. Pa 1977). Defmadmt's l~ttqr ~mted a t~se s~e ofur~ ~ both Pl~afiff m~ well u~ would cr~te ~am= in tl~e l~st soplfi~fi~amd consume, Tol~tlno ~ Fri~man, 833 Ir. Supp. 697 ~.D. tU~ 1993)~ Slu3~ v. I~and, 831 F. gupp. 321 (S.D,,N.Y, 1993); ~d Roma w. 784 F. Supp l (~. Conn. 1989). DcfendanffS Ict~ w~ in[~tiu~ly ~us~g ~d deo¢pfive, in vi~on of I ~ U.S.C.. At all ~e pe~en~ hereto, fl~ defender ~ acting by ~d ~rou~ i~ ag~ts, s~ts - ~or employ~ who w~e acting wi~n ~c s;ope ~d ~se o~their employm~t, undor the dim~ rap,ralston ~ eonWol office defmd~zs her~n. At ~1 times pe~uen: h~uto, ~he ~unduet of~e dffcnflant. ~ w~ ~ im agent, secants, and/or employ~e~, w~ maligiou~ intentional, willful, reckless, n~gllgea~t and in wO.nton disregard for £qxteral and state law and the fightz of the Plaimif'fhereim Pl,,dmiffb~li~v~ and th~efora avers that the defendant made ra~c threat~ oflifigatinn. Defendant'~ tttmat of litigation w~ ~al,e beemaso de['endams do not routinely file suit agalngt mnsumer debtor~, in violation of 15 U.S.C. §3092e(5) and (10). 43. Dc~end~ts, h~ thor ~ll~ti~n ~, ~scd ~s~ ~r d~oeptive acts ~d intended to oppress and ha~ pl~inti~ 4,1. That, ~ a result of tile wrong~l te~ti~s of dff~ts as ~or~mantioned, pl~ntiff has been subj~tefl ~o ~eW, ~msm~t, intimid~on ~d ~oymiee for whi:h WHEREFO~ Pl~fiff r~pe~futly ~qu~sg ~g his Hono~le Court ~ter jud~ont on b~lf of her md h~ minor son, ~d against fleXi.ts ~d ksue ~ Ordgt: (A) Award ~ ?l~nfiff smtuto~ d~g~ ~ the ~ount of One Thoug~d Dollars (~1,00~ _00) for ~h violation of~e ~CPA or each sep~ate and discrete indd~, in whi~ de[enfl~m ~w violated ~e ~A, K~hak v. R~J)~ ~olleet io~ A~. ~- Supp,~ ~.N.3. ~Aay 23, 19g9), ~d ~~ ~an~5 ~ment A~ju~ment Burea~. 805 F. gupp, 1086, 1095 ~.D,N,Y. 1992) (B) Aw~i Plmnuffdmages ~or ~i~, ~sm~t, ~d ~t~m~dahon dxrect~ ~t her in ~ mount not [ess than Ten ~ou~d Doll.s ($10,000_00), as ~etl ~ ~e .i~ a~ure o~ dmf~d~ts fo~ l~ers. rep~ (C) Awg t Plaintiff go~ of ~is lift.finn, h~ufling a ~onable a~om~y' s lee at a ra~c ~f $30o.00fl~our for hours ~on~b~ ~p~defl by b~ ~tomcy in vind~ing his ri. (D) Cou~ ht.~ under the FDCPA, pcrrait~ed by 15 U.S.C. § 1692k(a)C3). 'd declaratory and injunctive relief, and such other rel~efas this Honorable deems necessary and proper or law or equity rosy provide. lP~-~ 9[0/200'd 800~1 028l ~0~ 200 '¥'d'9 'o0 Jeu~nl ? p~oO '4~pJn~-mo~d *dl~:kO ~00-~-00 45. plaintill'hErcby in,;orporatcs Count I of this Complaint ad if fully set forth herein. 46. Jurisdiction for Cotmt Il is pursum~t to th* pErmsylvania Fair CrEdit Ext,nsion Uniformity Act. 73 P. S. §2270.1 at ,wq. 47. That defenda~t Elagaged m unfmr methods of comp~tiuon and unfair ar de~epliv¢ acts or pmctic~. I 48. D~%nd~t'~ not ~ d~edb~ ~n ~o don~ wi~ malldous, intentional, ~llfful, rec~, n,glig~t and wmton ~sreg~ for Pl~a righm ~th ~e purpose of m,reing Pl~nfiff to pay th~ alleged d,bt. 49. ~ a r~ul) of~ above violafiom, Pl~n~i~ ~fided to s~tuto~, setuP. ~eble and ~tivo dama~q and attorn~'s fe~ and ~sts_ 50. pl~ntiffb~e0 m~d ~om ave~ that defender ~de mamn~ m~srep~cntatmm tp St. 52. Plaintiff. : Def-~adant misrepresented m Plalnfiffthat ah* owed remm check fEeS O£$~0;0 , in violatiun of get Defendant ira¢: ,Aa Unit~ ata] .tlon 2..270.4(b)(5) of the Fair Cr*di~ Exten.~ion Uniformit7 Act. ~de.d to mad~ false stateanEntS and maC,rial mi~rcpmS*ntations to Plaimi~ cs Mail, in order to tecta, plainfiffinto paying more ~an th, alleged debt. p.13 S~p 1~ 03 O~:OOp WiiEREIrORE, pl~ntiiT r~pe~tI'ully reqU~t$ that dlis Honorable CouP, fi:~d again:st and award On~ Hundred Dolla~ in gl~lu~o~ d~g~, ~[e d~g~ ~ p~tted by atto~ fees ~d ~o~t~ ~ p~tted by ~tatute ~ong with $5,000.00 For ~n~cty, h~assm~nt and inti~da~ion di~c~d at h~ ~d h~r ~nor son. Dm, cd: gl~"l103 Deanna Lynn Smith Attorney for Plaintiff' 76 Gr~.nmont Drivo Enola, P~msylvania 17025 Td~hon~ 717-732-3750 F~ 717-72~-949g S~E~ol.com p.14 Collect Itcihlchtm, ArCo Pub i: i ihrar.v l I W £:hl¢~h ,qt Amo~mt: $ 250,.'i0 Bed~lcl~om Area Public Lihrm3' Total Due: $ 250~0 'l~ia is an ~ttemp~ to colle~ a don ~d any mfonnat'~ W~ nalillad yo~ ~pproxim)~ly ~1~ w~ck~ a~o ~n~ you had ~ ow~u~ b~cm wi~ ~1~ limhlehm~ ~a Poblk Lil{ra~'. To datc, fl~ Libm~' h~ no~ y~ ~mi~ us ff~t you h~e ~lc~d your a~ounL , Should Ybu i~orc ~)~ nmic=, w~ want ~ bring ~aul raa~ ~ your at~on. W~ m~y ~oquo~t parmi~sh,n fro~ ~h~ ~ibra~ rcpon ~is debt to national Credit Rc~g Ag~cks. ~oxi~ or your non-paym~t may be mad~ available m credit ~nto~ an~ ~c~ who may s~: your ~il hist,. On~ ~oncd. this adv~c ilffO~afio[] ~ stay Ol~ your rc~ord For up to SEVEN YEAKR. ~y allow his to h~n? location of ~h~ ~ld~]l~ ~ ~ ~bli~ ~ibr~. If you ~ve mi~l~fl th~ ~at~ial, or i~ you ha¥c returned th~ mn~rial a~d haw not y~i ~i~ yot~r fi~Jes, pi :~c s~nd your ch~k or money o~cr in ~o a~lo~t iff $~fi0J0. C~SJ] p~]~lcnt CUlUtOt ~ ~pt~d by mail. ltyou h=~e any qu=stto~, plum call your lo~l brach or 61046T-3761 X202; du~g reguN~ business hour. Charles L. ~iaO' Gollec6on M~ugcr Iht5 offi;~ ~x'ill ohmln v~ifi~ti an of Ih~ ~bl Or obmln a =opy or a jo~m=n~ and mail you a copy of such judgment oe Ibc name and addr~s of the oil inal creditor, ifdJffere,: from ~c cu~nt ~editor. 'V'~9 'oD deu~n.t ') p~oo '4,~pJns-moJ~ md~t:lO