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Home My WebLink About07-4604IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PALISADES ACQUISITION XVI, LLC ASSIGNEE OF CENTURION CAPITAL CORPORATION ASSIGNEE OF AMERICAN DEBT SALES ASSIGNEE OF HOUSEHOLD BANK 210 SYLVAN AVENUED. SUITE 507 ENGLEWOOD CLIFFS NJ 07632 Plaintiff vs JOHN J HIGGINS JR 82 LINDA DR APT 3 MECHANICSBURG PA 17050 Defendant(s) Filed on behalf of: No. 07 - y~o~l C~~~ 1 ierrh CIVIL ACTION -LAW Plaintiff, PALISADES ACQUISITION XVI, LLC Counsel of record for this party: Date: ~ ~ o ^? Amy F. Doyle #8706 /Daniel F. Wolfson #20617 Philip C. Warholic # 6341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 164174479 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PALISADES ACQUISITION XVI, LLC ASSIGNEE OF CENTURION CAPITAL CORPORATION : No. ASSIGNEE OF AMERICAN DEBT SALES ASSIGNEE OF HOUSEHOLD BANK Plaintiff CIVIL ACTION -LAW vs JOHN J HIGGINS JR Defendant(s) NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty, (20) days after this Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property 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 HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 164174479 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PALISADES ACQUISITION XVI, LLC ASSIGNEE OF CENTURION CAPITAL CORPORATION : No. ASSIGNEE OF AMERICAN DEBT SALES ASSIGNEE OF HOUSEHOLD BANK Plaintiff :CIVIL ACTION -LAW vs JOHN J HIGGINS JR Defendant(s) NOTICIA USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 164174479 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PALISADES ACQUISITION XVI, LLC ASSIGNEE OF CENTURION CAPITAL CORPORATION : No. O'r_ <-1G d y Cc,~,! `~~ ASSIGNEE OF AMERICAN DEBT SALES ASSIGNEE OF HOUSEHOLD BANK Plaintiff :CIVIL ACTION -LAW vs JOHN J HIGGINS JR Defendant(s) COMPL.AiNT AND NOW, comes the Plaintiff, by and through its attorneys and the law firm of Wolpoff & Abramson, LLP, and files this Complaint and in support avers as follows: 1. Plaintiff is PALISADES ACQUISITION XVI, LLC ASSIGNEE OF CENTURION CAPITAL CORPORATION ASSIGNEE OF AMERICAN DEBT SALES ASSIGNEE OF HOUSEHOLD BANK ,located at 210 Sylvan Avenued. Suite 507 Englewood Cliffs, NJ 07632. 2. Defendant, JOHN J HIGGINS JR, is an adult individual with a last known address of 82 Linda Dr Apt 3 Mechanicsburg, Cumberland County, PA 17050. 3. It is averred that Defendant was issued an open end credit account (hereinafter "Account"). CCP Cmplt - WOR & AF 4 W&A File No. 164174479 4. At all relevant times material hereto, Defendant has been a regular user of said Account for the purchase of products, goods and/or for obtaining services. 5. Defendant was provided with copies of the Statement of Accounts showing all debits and credits for transactions on the aforementioned credit card account to which there was no bona fide objection by Defendant. A true and correct copy of the Statement of Account is attached hereto, incorporated herein and marked as Exhibit "A". 6. Defendant did not object to the above-mentioned statements submitted by Plaintiff and/or its assignors to Defendant. 7. As of the date of this Complaint, the remaining balance due, owing and unpaid on Defendant's credit card account as a result of the charges made by said Defendant and/or any authorized users is the sum of $8,709.22. 8. Interest has accrued from the charge off date at a rate of 6 %. 9. As of the date of the filing of this Complaint, the amount of interest which has accrued is the sum of $495.34. 10. Despite reasonable and repeated demands for payment, Defendant has refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 11. Plaintiff performed any and all conditions precedent to the bringing of this action. 12. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - WOR & AF W&A File No. 164174479 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant in the amount of $8,709.22, plus interest in the amount of $495.34, plus costs of this action and any other relief as this Court deems just and reasonable. Respectfully Submitted, Date: ~ / 6 Amy F. Doyle #8706 /Daniel F. Wolfson # 0617 Philip C. Warholic #8 341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - WOR & AF 6 W&A File No. 164174479 VERIFICATION The undersigned hereby states that they are the attorney for the Plaintiff who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, they are authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing. Pleading are true and correct to the best of their knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: $ / . Amy F. D yle #870 /Daniel F. Wolfson # 617 Philip C. Warholic 86341 /David R. Galloway. #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - WOR & AF 7 W&A File No. 164174479 Exhibit "A" ACCOUNT# 5437030683225170 CLIENT# 001957 ACCT BALANCE 8,709.22 LPYMT DT 10/28/03 OPEN DT 03/15/96 CHRG OFF DT 06/30/04 PURCHASE DT 07/31/06 *CC2-DEBT-NAME *CC2-DEBT-SALUT*CC2-DEBT-ALIAS HIGGINS JR,JOHN J *CC2-DEBT-ADDR *CC2-DEBT-CITY-ST * * 11 HUMMEL AVE CC2-DEBT-ZIP CC2-DEBT-PHONE * CAMP HILL,PA 17011 7177378809 CC2-DEBT-FAX*CC2-DEBT-SSN *CC2-RFILE-NR*CC2-DEBT-DOB*CC2-DEBT-DRIVERS-LIC XXX-XX-2215 *CC-REC-TYPE*CC-FILENO *CC-FORW-FILE 01 0200899108 5437030683225170 *CC-MASCO-FILE *CC-FORW-ID MD .D 9.~ s ~Y j Y` '~ r . 3"' _ T~ f'"'" ,a ~~ d f { (_ ~ r 1 ~ ^ ~' ~ J \~ f~~ u\ -~ ~./ SHERIFF'S RETURN - REGULAR CASE N0: 2007-04604 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PALISADES ACQUISITION XVI LLC VS HIGGINS JOHN J JR SHARON LANTZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon HIGGINS JOHN J JR the DEFENDANT at 2452:00 HOURS, on the 6th day of August 2007 at 82 LINDA DRIVE APT 3 MECHANICSBURG, PA 17050 JOHN HIGGINS JR by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 10.56 Postage .41 Surcharge 10.00 .00 S~~~ia~ t'~ `~ 38.97 Sworn and Subscibed to before me this day of , So Answers: t- ~~~ R. Thomas Kline 08/07/2007 WOLPOFF & ABRAMSON By: Deputy Sheriff A.D. ~ti1 -1- h~ G Q J r-i- ~ ~ ~ ~ !h Fh ~iJ ~ l P ~ S ~~~~- C ~ M~~ e,~l iovcl Page 1 of 1 ~~t 1,.,i ~,~d~s ~'~~tV~~ s ~ ~'~~r) ~~i, ~Lc 1rS_ ~~~ ~ t1 ~ct~le~.~ ~ ~ti- August 20, 2007 ~.-Q (> ~ ~/ Cv. ~~~, g ~ r f ~~ t-Vt' i t , My name is John Higgins and I am appealing the lawsuit made against me under Palisades Acquisitions XVI, LLC of Englewood Cliffs, NJ, which says I owe $8709.22, payable immediately. Due to circumstances beyond my control, my financial situation has changed drastically since I had and used account number 543 703 068 322 251 70 under the following Signees: Centurion Capital Corporation; American Debt Sales; and Household Bank. I became disabled in November 2002 but then was laid off from my job of 24 years in April l 1, 2003. I have been officially and frilly disabled under Social Security Disability benefits since November 2002. That decision was made in March 2005. My income is $1074. per month from Social Security and I have no other income. I do not have any assets and I do not own a car, stocks, bonds, savings accounts, IRAs, KEOGHS, or anything of monetary value. I own only my personal clothing. My expenses per month are as follows: (I am aver-extended.) $ 593. Rent $ 40. Phone $ 37. Electricity $ 300. Groceries/Household Incidentals $130. Transportation Costs $1100. Total Monthly Expenses I will be living in a ~-heat situation this winter, like I did last winter, because I cannot afford to buy propane to heat where I live. I have no way of getting a job and I cannot lower my monthly expenses any more than I already have. Further, my credit has been ruined since I was laid off from my job and I am unable to get a loan anywhere. I have no living relatives who could help me; the only survivor is an elderly aunt with no resources of her own, so I cannot borrow fmm family. I am fully disabled with clinical depression and severe arthritis and I do not have the option of trying to find employment to improve my situation. I try to live within my means and do not have cable television or any extra amenities, and I do not spend anything on recreation. This is my defense in rebuttal of your lawsuit. Respectfully, John J. Higgins, Jr. 82 Linda Drive, Lot 3 Mechanicsburg, PA 17050 ~-~~ ~7 http://webmail.anal.com/30128/aoUen-usJSuite.aspx 824/2007 C ~s ° t ~ C3 r-:, : ~ :_ ~. „~-~; ~?~.. tV, 'ttlx~r r,~ ~~r 'V ~ : ~ : , ~ . f IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PALISADES ACQUISITION XVI, LLC ASSIGNEE OF CENTURION CAPITAL CORPORATION ASSIGNEE OF AMERICAN DEBT SALES ASSIGNEE OF HOUSEHOLD BANK Plaintiff VS JOHN J HIGGINS JR Defendant(s) No. 07-4604 CIVIL TERM CIVIL ACTION -LAW PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respectfully Submitted, Date: `J ~ Amy F. Doyle # 7062 / Daniel F olfson #20617 Philip C. Warholic #8634 avid .Galloway #87326 , Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Ronald S. Canter #94000 Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 164174479 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PALISADES ACQUISITION XVI, LLC No. 07-4604 CIVIL TERM ASSIGNEE OF CENTURION CAPITAL CORPORATION ASSIGNEE OF AMERICAN DEBT SALES CIVIL ACTION -LAW ASSIGNEE OF HOUSEHOLD BANK Plaintiff vs. JOHN J HIGGINS JR Defendant(s) CERTIFICATE OF SERVICE The undersigned does hereby certify that a copy of the foregoing praecipe was served this date by Regular Mail, Postage Pre-Paid on this ~Z 1 `` day of Qc ~ ~~ < <' , 20~ John J Higgins Jr 82 LINDA DR APT 3 MECHANICSBURG, PA 170501547 Amy F. Doyle # 7062 /Daniel F. Wolfson ~?_~~~ ~ Philip C. Warholic #8634 a~R. Galloway #87326 ~> Tonilyn M. Chippie #87852 ar a~ Robert N. Folas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 164174479 a `: -... ~ '. ;,, ~? ' ,` ~ ' - .. r~ .y -~,. rcl ~ .. - •• '~ ~, ~` ~.[7