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Home My WebLink About07-5896Our File No.: 96691 APOTHAKtR & ASSOCIATES, P.C. BY: David J. Apothaker, Esq. Attorney I.D.#38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, VS. KENNETH R GOOD 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 584(P Civil (e," 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 attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE 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 Lawyer Referral and Information Service 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse do estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demands y la notificacion. Hace falta asentar una comparencia escrita o con un abogado v entregar a la corte en forma escrita sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del edemandante y requiere que usted compla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes pare usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apotlaker, Esq. Attorney,I.D.#3 8423 24.17 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, vs. KENNETH R GOOD 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.. 0 _ SF eiG , CIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC, is a company with its principal place of business located at c/o Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114. 2. Defendant is KENNETH R GOOD, an adult individual residing at 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055. 3. At the special instance and request of Defendant, Plaintiff sold and delivered to Defendant goods and/or services at the times, of the kinds, in the quantities, and for the prices set forth in Plaintiffs records. A true and correct copy of which is attached hereto, incorporated herein by reference and designated Exhibit "A". 4. Defendant received and accepted the goods and/or services described in Exhibit "A". 5. The prices set forth in Exhibit "A" are the fair, reasonable and market prices for said goods and/or services, and the prices which Defendant agreed to pay. 6. All credits, if any, to which Defendant is entitled, are set forth in Exhibit "A". 7. In addition, Plaintiff avers that Defendant has failed and continues to fail to make any payments, leaving a balance due and owing of $6,365.96. 8. Although demand has been made, Defendant has failed to make payment of the amount due as above 9. The original creditor is FORD MOTOR CREDIT FORD CREDIT US. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $6,365.96 plus costs, and reasonable attorney's fees. APOTHAKER & ASSOCIATES, P.C. Attogi,ey for Plaintiff A Law Firm Enalized in Debt Collection BY: Dated: 9/24/2007 Apothaker Our File No.: 96691 VERIFICATION David J. Apothaker, Esq. hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities. DATE: 9/24/2007 Attorney for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 KENNETH R GOOD 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055 STATEMENT OF ACCOUNT Debtor's Name: KENNETH R GOOD Account Number: 48063000000009802851 Original Creditor: FORD MOTOR CREDIT FORD CREDIT US Balance Due: $6,365.96 Our File No.: 96691 EXHIBIT "A" ? ' ? __-w _? ? A-x -? - ? O0 ? - _ ? ? o ?`' ? ? D ?-- .. , ' ; ? V. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, CIVIL DIVISION LLC Plaintiff, No. 7, 6 V. KENNETH R. GOOD Defendant NOTICE TO PLEAD To: Portfolio Recovery Associates, LLC c/o Apothaker 8y Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from service hereof. LAW OFFICES OF DUANE P. STONE Jason B. Duncan, Esquire Attorney for Defendant I.D.# 87946 8 N. Baltimore Street Dillsburg PA 17019 Ph: (717) 432-2089 Fax: (717) 432-0158 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, CIVIL DIVISION LLC . Plaintiff, No. V. KENNETH R. GOOD Defendant PRELIMINARY OBJECTIONS And now comes the Defendant, Kenneth R. Good, by and through his attorneys, The Law Offices of Duane P. Stone, P.C., and files these Preliminary Objections pursuant to Pennsylvania Rule of Civil Procedure 1028, and in support thereof avers as follows: FACTS 1. Plaintiff filed a civil complaint against Defendant for alleged breach of contract. 2. The complaint alleges that Plaintiff sold and delivered to Defendant good and/or services at the times, of the kinds, in the quantities, and for the prices set forth in Exhibit "A". (Complaint Paragraph 3). 3. Plaintiff's Exhibit "A" fails to disclose the time, kinds, and quantities or prices of any goods and/or services that were allegedly provided to Defendant. Plaintiff's Exhibit "A" is a typed sheet that simply lists the Defendant's name, the original creditor and the alleged balance due. . II 4. The date and terms of any agreement are not included on Plaintiff's Exhibit "A". 5. Plaintiff failed to attach a copy of any Agreement between Ford Motor Credit and the Defendant that reveals the alleged goods and/or services received by the Defendant, the date and times Defendant alleged received these unnamed goods or services, the terms of any Agreement whereby the Defendant allegedly purchased the unnamed goods and/or services, the amount and value of any unnamed goods and/or services allegedly received by the Defendant, the alleged cost of any unnamed goods and/or services allegedly received by the Defendant, any credits to which Defendant is entitled for these unnamed goods and/or services, or any document containing the signature of the Defendant that shows that he agreed to accept any unnamed goods and or services. The Plaintiff's case is based upon the existence of such an Agreement. 6. Plaintiff avers but fails to provide any document showing that Portfolio Recovery Associates, LLC, is indeed the successor to Ford Motor Credit or that they have any right or assignment to assert the rights of Ford Motor Credit in any action against the Defendant. I. LEGAL INSUFFICIENCY (DEMURRER) 7. Plaintiff claims that they are successors to Ford Motor Credit in regards to an Agreement whereby Defendant allegedly purchased unnamed goods and/or services from Ford Motor Credit at some unspecified date and place. 8. Plaintiff has failed to produce any documents that show such an Agreement existed between Defendant and Ford Motor Credit and if such an Agreement existed what the terms of said Agreement were. 9. Plaintiff has failed to properly allege that there was an Agreement and therefore their claim of breach of said Agreement is legally insufficient as the document that Plaintiff relies upon as the Agreement is not legally sufficient to show an Agreement. There is no indication contained in Plaintiff's Complaint that there is a valid binding contract at all and Plaintiff has failed to produce as single document signed by the Defendant that would indicate that there was ever any Agreement at any place or time between the Defendant and Ford Motor Credit. 10. Plaintiff has failed to properly allege the terms of any Agreement between Defendant and Ford Motor Credit, whether there was an offer and acceptance by the parties, any consideration given, and any breach of the terms of any alleged Agreement. II. FAILURE TO CONFORM TO LAW OR RULE OF COURT 11. Plaintiff's complaint violates Rule 1019 (h) and (i) of the Pennsylvania Rules of Civil Procedure. 12. Plaintiffs claims against the Defendant are premised upon the existence of an actual contract between Ford Motor Credit and Defendant. 13. Plaintiff has failed to state whether any such agreement was oral or written as required by . Rule 1019 (h). - . ? . 1 . 14. To the extent that any such Agreement is written the Complaint violates Pa. R. Civ. P. 1019 (i), which requires a pleader to attach a writing upon which the claim is based. 15. To the extent that any terms or conditions of any Agreement between Ford Motor Credit and Defendant were contained in any other writing the complaint violates Pa. R. Civ. P. 1019 (i) by failing to attach a copy of any said approval letter. 16. Plaintiff's claims against the Defendant are also premised upon the fact that Plaintiff is indeed a successor in interest to Ford Motor Credit. To the extent that Plaintiff is a successor in interest to Ford Motor Credit the complaint violates Pa. R. Civ. P. 1019 (i) by failing to attach a copy of any document that purports to grant Plaintiff any assignment of rights under any agreement between Ford Motor Credit and the Defendant. 17. To the extent that Plaintiff is averring a cause of action against Defendant on the basis of a loan or financing Agreement between Ford Motor Credit and Defendant these documents must be attached to the Complaint in compliance with Pa. R. Civ. P. 1019 (i). III. INSUFFICIENT SPECIFICITY IN THE PLEADING 18. Plaintiff has failed to allege sufficiently the elements of a breach of contract claim as the Complaint fails to inform the Defendant of the date of any alleged contract, the terms of any alleged contract, the ways in which Defendant allegedly breached any alleged contract, and the amount of damages for any alleged breach of any alleged contract. 19. The Complaint does not set forth facts showing that there was ever an Agreement between Defendant and the document relied upon by Plaintiff in their Complaint is insufficient to establish any such Agreement. 20. The Complaint does not set forth with sufficient specificity the terms of any Agreement between Defendant and Ford Motor Credit. 21. The Complaint fails to state the date on which any agreement between Defendant and Ford Motor Credit was reached and when any alleged breach occurred, and therefore Defendant is unable to properly answer the Complaint or to determine what if any defenses may apply. IV. LACK OF CAPACITY TO SUE 22. The Complaint fails to provide any documentation that shows that Plaintiff is indeed the successor to Ford Motor Credit. 23. To the extent that Plaintiff cannot prove that Plaintiff is indeed the successor or assignee of Ford Motor Credit, it does not have standing to bring suit against Defendant for a breach of any alleged Agreement between Ford Motor Credit and Defendant. V. LACK OF SUBJECT MATTER JURISDICTION 24. The Complaint fails to state where any contract between Ford Motor Credit and Defendant was signed and what choice of law provisions are contained in any such contract. 25. Due to the fact that the Complaint is devoid of even basic facts about any alleged agreement between Ford Motor Credit and Defendant, Defendant is unable to determine whether jurisdiction is proper in Pennsylvania. WHEREFORE, Defendant respectfully requests that this Honorable Court grant its Preliminary Objections and dismiss Plaintiff's Complaint with prejudice. Respectfully submitted, LAW OFFICES OF DUANE P. STONE Jason B. Duncan, Esquire Attorney for Defendant I.D.# 87946 8 N. Baltimore Street Dillsburg PA 17019 Ph: (717) 432-2089 Fax: (717) 432-0158 CERTIFICATE OF SERVICE I hereby certify that on the day of , 2007, a copy of the foregoing Preliminary Objections was served upon the following individual by first-class mail, postage prepaid: David J. Apothaker, Esq. Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Respectfully submitted, LAW OFFICES OF DUANE P. STONE Jason B. Dun Esquire Attorney for Defendant I.D.# 87946 8 N. Baltimore Street Dillsburg PA 17019 Ph: (717) 432-2089 Fax: (717) 432-0158 N C:? ?; :.. ; TI i; ?? ? ? +i: t'"" ?? "- _T,? .a {-7 r - ? a? -° ?? - rv IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, CIVIL DIVISION LLC Plaintiff, No. L o0 1- 6 5 9q 6 V. KENNETH R. GOOD Defendant PRAECIPE TO ENTER APPEARANCE To: Curtis R. Long, Prothonotary Please enter my appearance as counsel in the above case on behalf of the Defendant, Kenneth R. Good. LAW OFFICES OF DUANE P. STONE son B. uncan, Esquire Attorney for Defendant I.D.# 87946 8 N. Baltimore Street Dillsburg PA 17019 Ph: (717) 432-2089 Fax: (717) 432-0158 rn ,..' '? ??'" 3 r:5 SHERIFF'S RETURN - REGULAR -CASE NO: 2007-05896 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND PORTFOLIO RECOVERY ASSOCIATES VS GOOD KENNETH TIMOTHY BLACK Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon GOOD KENNETH R the DEFENDANT at 1345:00 HOURS, on the 31st day of October 2007 at 1554 WILLIAMS GROVE ROAD MECHANICSBURG, PA 17055 by handing to JONATHAN BORDEION, ROOMMATE ADULT IN CHARGE 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 Service Affidavit Surcharge 0? - Sworn and Subscibed to before me this of So Answers: 18.00 8.64 i , . 00 10.00 R. Thomas Kline .00 36.64 11/01/2007 APOTHAKER & ASSOCIATES By: day Deputy Sheriff A.D. FROM FAX NO. Oct. 29 2007 11:04AM P1 'Oct. 26, 2001 7 57AM Cumberland Co. Sheriff No. 7790 P. 1 ???? o? dCu>???xt FL THOMAS Kt INE, RONNY R, ANDERSON Show Chief Deputy EDWARD L. 9CHORPP JODY & SMITH eons OFFICE OF THE SHERIFF Real rite Deputy One Courthouse Square CedWs, Pennsylvania 17013 .? To: P iM31a8I& Ag=y Control No. ke?+? .c Date: O O Address Information Request please furnish this oganay with the new address, if available, for the tbllowWg individual or verify whether 60.%A dress given below is earn at wbichmal far this individual is wrte tly boing delivered. If the following address is a post office box, please Attzrialr ft street address as recorded on the box holder's Name: best Xnown Address: O LJ ? U ; c,w15 C Vve-, ??erano?,nw.db?+? Po, 1'70 sr - I eertifyfy the address informstloa for this foafvidnal is required-oz tltc partbmsanee of tbla 'agamy's official duties. (Si of erioy official) (Title) () M4 is delivered to address given. () Not Kzown at AAdmaa Given () Moved, Left No Pon mwding Adam () No Bob. Address ?Ofb?r (ems) ' . Agency Retr= Address For Pon omen "Only Now Address MECHANICSBVG,- PA. 170bb, Box holders' Street Addraae PostinarUDate Smiw Pleads fax results io the Cumberland County Sheriff's Office. Number (717)140.6397 Address Information Request (Required format) Exhibit 352.44b - ait PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY, PORTFOLIO RECOVERY ASSOCIATES, LLC Plaintiff Civil Division VS. KENNETH R. GOOD Defendant No. 2007-05896 1. State matter to be argued: PrelimiaM Objections to Plaintiff's Complaint 2. Identify all counsel who will argue cases: (a) for Plaintiffs: David J. Apothaker, APOTHAKER & ASSOCIATES. P.C. 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114 (b) for Defendants: Jason B. Duncan, The Law Office of Duane P. Stone, P.C. P.O. Box 696, Dillsburg, PA 17019 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Signature Jason B. Duncan Print your name Attorney for Defendant Kenneth R. Good Date: 2-22• 0 9 C: o;s ?w ?S:a Our File No.: 96691 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, VS. KENNETH R GOOD 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV 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 attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE 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 Lawyer Referral and Information Service 800-990-9108 AVISO Le han demandado a usted en la corte. Si usted quiere defenderse do estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o con un abogado v entregar a la corte en forma escrita sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del edemandante y requiere que usted compla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes pare usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA, 19114 (215) 634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, vs. KENNETH R GOOD 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV AMENDED COMPLAINT FIRST COUNT 1. Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC, is a company with its principal place of business located at c/o Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114. 2. Defendant is KENNETH R GOOD, an adult individual residing at 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055. 3. Defendant financed a vehicle through FORD MOTOR CREDIT FORD CREDIT US account number 48063000000009802851. Attached hereto as Exhibit "A" is the Vehicle Retail Installment Contract. 4. Defendant's vehicle was repossessed as a result of non-payment of the aforementioned account, and as of November 14, 2007, there was an outstanding balance due and owing in the amount of $6,365.96. 5. Plaintiff purchased this account and presently owns and holds this account. 6. When Plaintiff purchased this account there was an outstanding balance due and owing of $6,365.96. 7. On or about August 21, 2006, Defendant agreed to settle this account with Plaintiff for the sum of $4,000.00; said funds to be debited electronically from Defendant's bank account on August 31, 2006. Attached hereto as Exhibit "B" is Plaintiff's letter outlining the terms of Defendant's agreement to settle this account. 8. Defendant's payment did not clear Plaintiff's bank account due to `insufficient funds', and there is still due and owing the sum of $6,365.96. Attached hereto as Exhibit "C" is Plaintiff's Payment History for this account. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $6,365.96 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attom Plaintiff A Law Firm aaaed in Debt Collection BY: Dated: 4/14/2008 pothaker Our File No.: 96691 VERIFICATION TIFFANY ROSS hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unworn falsification to authorities. DATE: '4 11q /()? APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA' 19114 (215) 634-8920 Attorney for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC Plaintiff, vs. KENNETH R GOOD Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV CERTIFICATION OF SERVICE I, David J. Apothaker, Esquire, attorney for Plaintiff, certify that on 4/14/2008, 1 mailed a copy of the Amended Complaint by Overnight Mail and by Regular Mail to: JAMES B DUNCAN, ESQUIRE 8 N BALTIMORE STREET DILLSBURG, PA 17019 Date: 4/14/2008 Our File No.: 96691 David J. Apothaker, Esquire Attorney for Plaintiff AGLLr4 - _WAYLAND VEMCLR RETAJL NIiTALMEW CONTRACT oATP 04.88.97 n..r(wD.e.IrI A..1..M Aesr. u.wrcaaN.n.IyCe.l 7nTIMORZ tTa RRB,f?I AOD PORo Or BRLTIKORZ 5414 Cttx)IN119G RD SECURITY BLVD. 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J x w. a.a n.r rr ¦rrrrr - -._ 04/10/2008 13:550 FAX Daps 922 PO Box 4113 C , md, CA,94424 IN111111111111I 11 Address Servioe Requested #BWNFTZF #PRA83712M 1080$4# 901A KENNETH R GOOD 1501 WIWAMS GROVE RD LOT 8 MECHANICSBURG PA 170554780 August 21, 2006 Balance: $5985.12 Account/Reference No., 48053000000009802851 Dear KENNETH R GOOD: 1&002/002 Portfolio Remv&y ? 11C , W-0 A=unURefsrence No.: 4806 OM00009002851 This letter is to confirm the arrangements we made with you by telephone that, at your request, on 08/3112006 we will debit electronically $4000.00 from your account listed Wtow_ Bank Name: MEMBERS 1ST FCU Bank Routing Number: 231382241 Account Number: XXXXXXXX5000 Please contact us at 1-800-772-1413 it you have any questions. If you wish to contact us via the Internet, you may send e-mail to hela(?DWrtfoljQrcDQy=.C=. Our address is: P.O. Box 12914, Norfolk, VA 23541 Hours of Operation (EST): 8 AM to 10 PM Mon.-Thurs., 8 AM to 8 PM Fri_,, & 8 AM to 2 PM Sat. *'?LEASE NOTE: Any changes to the above arrangement must be made at least 72 hours prior to the scheduled date by contacting one of our representatives by phone at the number listed above during our hours of operation. Sincerely, William F. O'Daire Senior Vice President This letter is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. www,portlolior verv.com PRA901A-*21A2D2851•JPSkA 0461 From: Tiffany Ross [tross@portfoliorecovery.com] Sent: Tuesday, April 08, 2008 4:02 PM To: David J. Apothaker Subject: good pay history Payment History for account: 48063000000009802851 Filter Constraint GO I 11/15/2007 S'(' Ainotilit Code Refel-ClIce detail 12:19:42 1 $63.36 $6,415.03 CPFL ATYPA4SHERIF137395 ADT I PM LLL 11/15/2007 detail 12:02:26 4 $4820 INT SGIR: 09/27/2007 ADT I PM 11/15/2007 detail 12:02:26 1 ($63.36) $6,351.67 DPFLADM PA4SHERIF137395 ADT I PM LLL 9/27/2007 detail 2:25:27 1 ($100.00) $6,366.83 CPFL PA4SHERIFI35612 LBG I PM LLL 9/27/2007 detail 2:25:26 1 ($78.50) $6,466.83 CPFL ATYPA4FII_E F135612 LBG I PM LLL 9/27/2fl07 detail 12:41:57 1 $100.00 $6 545.33 DPFLADM PA45HERIF135612 LBG I PM , LLL 9/27/2007 detail 12:41:56 4 $379.76 INT SGIR: 06-Sep-2006 LBG I - PM __. ....... 9/27/2007 - detail 12:41:56 1 $78.50 $6,445.33 DPFLADM ATYPA4FILE F135612 LBG I PNI LLL 9/6/2006 detail 12:05:18 4 $1.95 NT SGIR: 07-Mar-2005 SJD I PM 9/6/2006 detail 1`2:05:18 2 $4,000.00 $5,987.07 NSF 7000-RO1 QOOOeDD SJD I PM 0C(+014 "L 1% 8/31/2006 detail 9:02:01 2 ($4,000.00) $1,985.12 PMT 7000 eDD YDH I AM - 3/7/2005 detail 12:48:42 3 $5,985.12 $5,985.12 INIT BAL Initial Bal. From PORT SA I PM - Tiffany less Legal'Specialist Portfolio &covery-Associates 1-888-772-4552 e4 11759 tross(Wportfoliorecovery. corn The preceding E-mail message contains information that is confidential, may be protected by the attorney/client or other applicable privileges, and may constitute non-public information. It is intended to be conveyed only to the designated recipient(s). If you are not an intended recipient of this message, please notify the sender at (757) 519-9300, extension 11759. Unauthorized use, dissemination, distribution, or reproduction of this message is strictly prohibited and may be unlawful.. *This correspondence is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Q ,- ?`? ? ?t4 c'? s _. zc.:: PORTFOLIO RECOVERY ASSOCIATES, LLC, Plaintiff V. KENNETH R. GOOD, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 07-5896 CIVIL TERM IN RE; DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT BEFORE HESS, OLER and GUIDO, JJ. ORDER OF COURT AND NOW, this 17th day of April, 2008, upon consideration of Defendant's preliminary objections to Plaintiff's complaint, and of the attached FAX from Defendant's counsel, Jason B. Duncan, Esq., the preliminary objections are deemed moot. ZDavid J. Apothaker Esq. 2417 Welsh Road Suite 21 #520 Philadelphia, PA 19114 Attorney for Plaintiff ? Jason B. Duncan, Esq. The Law Offices of Duane P. Stone, P.C. P.O. Box 696 Dillsburg, PA 17019 Attorney for Defendant BY THE COURT, J, esley Ol Jr., J acs i E.S mom, LC y/?s fog : rc f .., A t no n .•? tt (1 a fp y ?hu -.1... Ff 04-16-'08 07:20 FROM-LAW OFFICES OF DPS 7174320158 T-997 P001/012 F-198 Fax To: C? 10.411 ,5 1/4. 7 From: /.C S j? Rm ca h 4!? Fax: '4 Q Lfto o Pages: Phone: 9 I 2t,52 ? 100 Date: (,Z r ¢ Re: ?";,t r AZ , coe4 CC: From. The Law Offices of Duane P. Stone, P. C. Addresu: P.O. Box 696, Dillsburg, PA 17019 Phone: 7171432-2089 Fax: 717-432-0158 e-mail. Duaue@6toneat1aw.co1n reC.(E C?. ,. c /G ?,lo "v(- ?P? s-?11/1 i r ?C hP C7 176 cVle Ck illy This fax is protected by Attorney Client privilege and is considered confidential. If you have received this Fax in error please Contact the Law Offices of Duane P. Stone, P.C. at 717-432-2089 and destroy the fax Thank you. 4/16/2008 8:6:44 AM Fax Cover Sheet 04-16-'08 27,21 FROM-LAUD OFFICES OF DPS 7174320158 T-997 P002/012 F-198 RECEIVED APR 1 5 1008 POTHAKER & ASSOCIATES, P.C. ATTORNEYS AT LAW April 14, 2008 PROT140NOTARY 1 COURT DOUSE SQUARE CARLISLE, PA 17013 RE: PORTFOLIO RECOVERY ASSOCIATES, LLC VS. KENNETH R GO DOCKET NO.: 075896 CV OUR FILE NO: 96691 DEAR CLERK: Enclosed herein please find an Amended Complaint with a Certification of Service. Kindly file same and return a copy to this office in the enclosed self-addressed stamped envelope provided for your convenience. Very truly yours, APOTHAKE SOCIATES, P.C. Da pothaker /Sm cc: Jason 8, Duncan, Esquire 520 Fellowship Road, 0306, Mount Laurel, NJ 08054 856 780.1000 856 780.1020f 2417 Welsh Road, Suite 214520, Philadelphia, PA 19114 215 634.8920 215634-8421f 800 672.0215 800 757,4928f 04-16-'08 07;21 FROM-LAUD OFFICES OF DPS 7174320158 T-997 P003/012 F-198 Our Pile No.: 96691 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney Y.D.# 38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, vs. KENNETH R GOOD 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV 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 native are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims sat forth against you. You are warned that if you fail to do so the cast may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or far any other claim or relief requested by the plaintiff. You may lose money or property or other tights 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 OIFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 AVISO Le han demandado a usted on In torte. Si usted quiere defextderse do Was demandas expuestas en Ins paginas siguientes, usted tiene valute (20) dias de plain al partir de la techa de le demanda y Is notification. Hace &Its asentar unn comparencin escrita o con un abogado v entregar a la torte an forma escrita sus objeciones a las demwWas en contra de su persona. Sea avisado quo si usted no se deftende, to torte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Adomes, Is corto puede decidir a favor del edemandante y requiem que usted comply con todas [as provisions do esta demands. Usted puede perder dinero o sus propiedadm u otros demcbm importantes page usted. LLEV'E ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIFNE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SF ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Reeforral and Information Service 800-990-9108 04-16-'08 07;21 FROM-LAW OFFICES OF DPS 7174320158 T-997 P004/012 F-198 APOTHAKER & ASSOCIATES, P.C. BY: David 1. Apothaker, Esquire Attorney I.D.# 38423 2417 Welsh Rout, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ) ASSOCIATES, LLC } c/o Apothaker & Associates, P.C. ) 2417 Welsh Road, Suite 21 #520 ) Philadelphia, PA 19114 ) Plaintiff, ) vs. ) KENNETH R GOOD ) 1501 WILLIAMS GROVE RD ) MECHANICSBURG, PA 17055 ) Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV AMENDED COMPLAINT FIRST COUNT 1. Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC, is a company with its principal place of business located at c/o Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114. 2. Defendant is KENNETH R GOOD, an adult individual residing at 1501 -WILLiAMS GROVE RD MECHANICSBURG, PA 17055. 3. Defendant financed a vehicle through FORD MOTOR CREDIT FORD CREDIT US account number 48063000000009802851. Attached hereto as Exhibit "A" is the Vehicle Retail Installment Contract. 4. Defendant's vehicle was repossessed as a result of non-payment of the aforementioned account, and as of November 14, 2007, there was an outstanding balance due and owing in the amount of $6,365.96. 5. Plaintiff purchased this account and presently owns and holds this account. 6. When Plaintiff purchased this account there was an outstanding balance due and owing of $6,365.96. 04-16-'08 07:2'_ FROM-LAW OFFICES OF DPS 7174320158 T-997 P005/012 F-198 7. On or about August 21, 2006, Defendant agreed to settle this account with plaintiff for the sum of $4,000.00; said funds to be debited electronically from Defendant's bank account on August 31, 2006. Attached hereto as Exhibit "13" is Plaintiff s letter outlining the terms of Defendant's agreement to settle this account. 8. Defendant's payment did not clear Plaintiffs bank account due to `insufficient funds', and there is still due and owing the sum of $6,365.96. Attached hereto as Exhibit "C" is Plaintiff's Payment History for this account. WHE-REFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $6,365.96 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law. A.POTHAKER & ASSOCIATES, P.C. Attorne Plaintiff A Law Firm aged in Debt Collection BY: Dated: 4/14/2008 Our File No.: 96691 04-16-'08 07:21 FROM-LAW OFFICES OF DPS 7174320158 VERINCATION T-997 P006/012 F-198 TIFFANY ROSS hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of mfr knowledge, information, and belief The undersigned understands that the statements therein are made subject to the Penalties of 18 Pa.C_S.A. 4904 relating to unworn falsification to authorities. DATE: 'fi r 140 F 04-16-'08 07;21 FROM-LAW OFFICES OF DPS 7174329158 T-997 P007/012 F-198 APOTHAKER& ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney T.D.# 38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorney for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC Plaintiff, `Vs. KENNETH R GOOD Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV CERTIFICATION OF SERVICE 1, David J. Apothaker, Esquire, attorney for Plaintiff, certify that on 4/14/2008, I mailed a copy of the Amended Complaint by Overnight Mail and by Regular Mail to: JAMES B DUNCAN, ESQUIRE 8 N BALTIMORE STREET DJLLSBURG, PA 17019 Date. 4/14/2008 David J. Apothaker, Esquire Attorney for Plaintiff Our File No.: 96691 04-16-'28 27;21 FROM-LAW OFFICES OF DPS 7174320158 T-997 P008/012 F-198 E' ?r=t-a -UkMLANO WXKU 6TAa. a1aramr117' co dwAGY Wt 04- 37 R M+Mwo+.r:wyyww W.+ad.wcewr«•z?<r+.i prw?r.rA?«u o atra ' t aDOP Q0 L N! ?DAD DT LTD. Ra SIt1 laD 111: ff7P aeCVarrT K aAnc?'aa?i rB 21229 UZ11 2 AAtAlnOas ND 212t4 ..w ?_ ?SyN OMrFNMA M r??.4?• r.++N MMr wr r w.•+? yt...r. ?• ? ww wr- daft % '6M J?^M 1rY1?YAw. Mr?w'lrOr MIM•'/?•?I??M?1lILw NNMr MMM .Yy MW M/A w.www•.•i..t ?• ? 4 ? 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Wr1??«rr «..? t+M{pNty1. ???M6 1«IIYW Mr& r?r}...•M'pwil FMMMM r..ty?trrM.Wtwlttrrr rtrrtl r. rr? 04-16-'08 07;21 FROM-LAW OFFICES OF DPS 04/10/2008 13'50 FAX rMI$ Cwpgtl, CA W6II1 Mimi Addroo Service Requested #SWNFTZF OPF A887138810608U I„d16iJlt.n?iJ.? 61.i,inle i.l.ll„I Irr?U,,,i.,luddl 601A KENNETH R 1300D 1501 WIWAMB 13ROVE RD L CT Q MPO"ANKSBURG PA 170554'/90 August 21. 2006 1a002/002 aweblio lem+vwy aA- wo6l m3uls u? AcwLift He Mono No.: 46069oomo0 aswe51 Balance: $5985.12 ACOount/Re?erenCe No.: 48M000000009=951 Dear KENNETH R GOOD: This letter is to mnlirm the arrasgementa we made with you by telephone that, at your request, on 08131 /2006 we will debit electronically 84000.00 from your amount listed below. Bank Name: MEMBERS I ST FCU Hank Routing Number: 231382241 Acuount Number: XXXXXXXX5000 Plea» contact us at 1-800-772.1413 It you have any questions. If you wish to contact us via the Internet, You may GWd 8-mall 10 Our addrmss is: P.O.Box 12914, Norfoik,,VA 23541 wrS d Apersdan (Effn: 8 AM to 10 PM Mnn_-Thurs., 8 AM to 8 PM Fri.,-& 8 AM to 2 PM H $at ""PLEASE NOTE: Any changes to the above arrangement must be made at least 72 hours prior to the achedwed date by conteating one of our representatives by phone at the number lleted above during our hours of operation, ..' Sincerely, William F. 010aire Senior Vine President This letter is from s debt collector and Is an attempt to collect a debt, Any Information obtained will be used for that purpose. PRA9MA.0W 029mi Jpxxs 0441 7174320158 T-997 P0101012 F-198 04-16-'08 07;21 FROM-LAW OFFICES OF DPS 7174320158 From: Tiffany Ross [tross@portfoliorecovery.comj Sent: Tuesday, April 08, 2008 4:02 PM To: David J_ Apothaker Subject: good pay history Payment History for account: 48063000000009802851 Filter Constraint T-997 P011/012 F-198 . . 04-16-'08 07;22 FROM-LAW OFFICES OF DPS 7174320158 ?ffary ftss Zega(Speciarut. TortfoFo *coveryAssociates 1-888-772-4952 9V 11759 tros oCftfloteooverv-oom T-997 P012/012 F-198 The preceding E-mail message contains information that is eovAdential, may be protected by the attoruey/client or other applicable privileges, and may constitute non-public information. It 19 intended to be conveyed only to the designated reeiplent(s).If you are not an intended recipient of this message, please notify the sender at (757) 519-930D, extension 11759. Unautltiotixed use, dissemination, distribution, or reproduction of this message is strictly prohibited and may be unlawful.. *Thls correspondence is from a debt collector and is an attempt to collect it debt. Any information obtained will be used for that purpose. E) Our File No.: 96691 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC c/o Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 Plaintiff, vs. KENNETH R GOOD 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV 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 attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE 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 Lawyer Referral and Information Service 800-990-9108 AVISO Le ban demandado a usted en la corte. Si usted quiere defenderse do estas demandas expuestas en las paginas siguientes, usted tiene veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia escrita o con un abogado v entregar a la corte en forma escrita sus objeciones a las demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede continuar la demanda en contra suya sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del edemandante y requiere que usted compla con todas las provisioner de esta demanda. Usted puede perder dinero o sus propiedades u otros derechos importantes pare usted. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION Lawyer Referral and Information Service 800-990-9108 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ) ASSOCIATES, LLC ) c/o Apothaker & Associates, P.C. ) 2417 Welsh Road, Suite 21 #520 ) Philadelphia, PA 19114 ) Plaintiff, ) vs. ) KENNETH R GOOD ) 1501 WILLIAMS GROVE RD ) MECHANICSBURG, PA 17055 ) Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV AMENDED COMPLAINT FIRST COUNT 1. Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC, is a company with its principal place of business located at c/o Apothaker & Associates, P.C., 2417 Welsh Road, Suite 21 #520, Philadelphia, PA 19114 2. Defendant is KENNETH R GOOD, an adult individual residing at 1501 WILLIAMS GROVE RD MECHANICSBURG, PA 17055. 3. Defendant financed a vehicle through FORD MOTOR CREDIT FORD CREDIT US account number 48063000000009802851. Attached hereto as Exhibit "A" is the Vehicle Retail Installment Contract. 4. Defendant's vehicle was repossessed as a result of non-payment of the aforementioned account, and as of November 14, 2007, there was an outstanding balance due and owing in the amount of $6,365.96. 5. Plaintiff purchased this account and presently owns and holds this account. 6. When Plaintiff purchased this account there was an outstanding balance due and owing of $6,365.96. 7. On or about August 21, 2006, Defendant agreed to settle this account with Plaintiff for the sum of $4,000.00; said funds to be debited electronically from Defendant's bank account on August 31, 2006. Attached hereto as Exhibit "B" is Plaintiff's letter outlining the terms of Defendant's agreement to settle this account. 8. Defendant's payment did not clear Plaintiff's bank account due to `insufficient funds', and there is still due and owing the sum of $6,365.96. Attached hereto as Exhibit "C" is Plaintiff's Payment History for this account. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $6,365.96 and requests this Court award Plaintiff attorney's fees and costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attome Plaintiff A Law Firm gaged in Debt Collection BY: Dated: 4/14/2008 Our File No.: 96691 VERIFICATION TIFFANY ROSS hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities. DATE: '4 / 1 q /03 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D.# 38423 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorney for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC VS. Plaintiff, KENNETH R GOOD Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 07-5896 CV CERTIFICATION OF SERVICE I, David J. Apothaker, Esquire, attorney for Plaintiff, certify that on 4/14/2008, I mailed a copy of the Amended Complaint by Overnight Mail and by Regular Mail to: JAMES B DUNCAN, ESQUIRE 8 N BALTIMORE STREET DILLSBURG, PA 17019 Date: 4/14/2008 Our File No.: 96691 David J. Apothaker, Esquire Attorney for Plaintiff E ACLL.0. -MARYLAND VMCL.t IMA& MRTALmEw CONTRACT M 04.08.97 R rr.ww?.lwy..ww...sw«r+;rwsraw trr.rr..wAd*_4 ` r0r1t?7 1y?i GOOD e00R5 ioRO OF rALTIKORr ' s41/ CrA1rI11G RO 8978 l1COrITT 1LTD. MLTIirgrR I MO 21229 BUTIN¢Rr RA4TIMORr rO 21214 ?f?•hrr'ltr ??R? o- -%w ftw. 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Q •`/0110 aflN/1 fAO/AL MMIa1 laaalfCa fWP ar.r Aw MM r a1r r w.rrR/r1 rsawras /as saYrrr rwa Y 'd AS lrsw aw.w M M Yr1 awr aara 7SM sr.lwla Arirarr" awrrr wrwr A /rs CIIIY aff TgY/ttTTa11Oi7MMf0 PLA1s r 0Wlw* lrrlslw lw.rrf-0ii MY Mow/ raa r p.wib 0'ar? MI sFliM lw?sSwSr^ rrwAR M C'lsrl w M tww•o:rw Ma aywr+"1b srRl w . aArw AOSSwwR• iMw Mr !SS M 11.rr Cs.Men ? >. wwaaw w.r.rr orwr.r ? _. i 7 dF;'ty ...1. sse .iys.OS q •.«:9e owrwr .. ..ISrw. 04/10/2008 13:50 FAX 922 PC7 Batt 4115 Cariamd, CA 94U4 Addrm Ser** RsqueeW #BWNFTZF #PRA837133d1060W [sill Imp 1815111 901A KENNETH R GOOD 1501 WILD AMS GROVE RD LOT 8 MECHANICBBURG PA 170$5.9780 August 21, 2006 Balance: $5985.12 Account/Reterenoe No.: 48063000000009802851 Dear KENNETH R GOOD: IM 002/002 ParififioRemVeO ?? AccounVPkiiawce No.: 48089000000009802a61 This letter is to confirm the arrangements we made with you by telephone that, at your request, on 08131r2" we will debit electronically $4000.00 from your account listed below. Bank Name: MEMBERS 18T FCU Bank Routing Number: 231382241 Account Number: XXXXXXXX5000 Please contact us at 1-800-772-1413 if you have any questions. If you wish to contact us via the Internet, you may send e-mail to hei oljayecoY=.cam.cam. Our address is: P.O. Box 12914, Norfolk, VA 23541 Hours of Operffiim (EST): 8 AM to 10 PM Mon.-Thum, 8 AM to 8 PM Fri.,' & 8 AM to 2 PM *"PLEASE NOTE: Any changes to the above arrangement must be made at least 72 hours prior to the scheduled date by contacting one of our representatives by phone at the number listed above during our hours of operation. Sincerely, William F. O'Daire Senior Vice President This letter is from a debt collector and is an attempt to collect a debt. Any Information obtained will be used for that purpose. PPAMA-Wt'l0Mi_ IP81X.811A6l From: Tiffany Ross [tross@portfoliorecovery.com] Sent: Tuesday, April 08, 2008 4:02 PM To: David J. Apothaker Subject: good pay history Payment History for account: 48063000000009802851 Filter Constraint f- GO I Tiffany 'Rpss Lega[SpeciaCut ftstfoCto 9?tcovegAssociates 1-888-772-4552 e411759 trossAportfoliorecoverv.com The preceding E-mail message contains information that is confidential, may be protected by the attorney/client or other applicable privileges, and may constitute non-public information. It is intended to be conveyed only to the designated recipient(s). If you are not an intended recipient of this message, please notify the sender at (757) 519-9300, extension 11759. Unauthorized use, dissemination, distribution, or reproduction of this message is strictly prohibited and may be unlawful.. *This correspondence is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 0 .. Z IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, LLC Plaintiff, V. KENNETH R. GOOD Defendant CIVIL DIVISION No. 2007-05896 Counsel For Defendant: Jason B. Duncan Atty ID #87946 Duane P. Stone Atty ID #85715 8 N. Baltimore Street Dillsburg PA 17019 Ph: (717) 432-2089 Fx: (717) 432-0158 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, LLC Plaintiff, V. KENNETH R. GOOD Defendant CIVIL DIVISION No. 2007-05896 ANSWER TO AMENDED COMPLAINT AND NOW, comes the Defendant, KENNETH R. GOOD, by and through its undersigned attorneys and makes the following Answer to the Amended Complaint of the Plaintiff of which the following is a statement: 1. Admitted. 2. Admitted. 3. Admitted in part and denied in part. It is admitted only that the vehicle retail installment contract is attached as Exhibit "A" to the Complaint. The remaining averments of this paragraph are denied as the contract is in writing and speaks for itself, any interpretation thereof by an other person is denied. 4. Admitted in part and denied in part. It is admitted that Defendant's vehicle was repossessed in 1997. The remaining averments of this paragraph are denied as the Defendant is without sufficient information as to form an opinion as to the truth and accuracy of these averments, therefore, denies the same and demands strict proof thereof at time of trial. By way of further answer, Defendant never received any notice at the time the vehicle was repossessed that the vehicle was being resold or that there was a deficiency and the amount of any alleged deficiency. 5. Denied. After reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the truthfulness of this averment and therefore denies the same and demands strict proof thereof at time of trial. 6. Denied. After reasonable investigation Defendant is without knowledge or information sufficient to form a belief as to the truthfulness of this averment and therefore denies the same and demands strict proof thereof at time of trial. 7. Admitted in part and denied in part. It is admitted only that Plaintiff and Defendant discussed possible settlement of the account in August 2006. It is denied that these discussions represented a binding settlement agreement, to the extent that the averments of this paragraph are alleging that there was a binding settlement agreement they are denied. 8. Admitted in part and denied in part. It is admitted only that a partial payment history appears to be attached as Exhibit C. However, it is specifically denied that Exhibit C is the payment history of the entire account as the history only begins in 2005 and the account had been in existence since 1997. WHEREFORE, the Defendant respectfully requests this Honorable Court deny Plaintiff's demand and enter Judgment in favor of the Defendant and against the Plaintiff. NEW MATTER 9. Defendant incorporates by reference its Answers to Paragraphs 1 through 8 of Plaintiff's Complaint as if set forth in full. 10. The cause of action by Plaintiff may be barred in whole or in part by the doctrine of release. 11. The cause of action by Plaintiff may be barred in whole or in part by waiver and/or estoppel. 12. The cause of action by Plaintiff may be barred in whole or in part by laches. 13. The cause of action by Plaintiff is barred by the statute of limitations. 14. Plaintiff's claim may be barred in whole or in part by the doctrine of novation. 15. The cause of action by Plaintiff may be barred in whole or in part by the fact that Defendant was never given proper notice under Article 9 of the Uniform Commercial Code of the sale of the vehicle after it was repossessed. 16. The cause of action by Plaintiff may be barred in whole or in part by the fact that Defendant was never given proper notice under Article 9 of the Uniform Commercial Code of any deficiency as a result of the sale of the vehicle. 17. The cause of action by Plaintiff is barred by the failure to state a claim upon which relief may be granted. WHEREFORE, Defendant, Kenneth Good, respectfully requests this Honorable Court enter Judgment in favor of the Defendant and against Plaintiff and award Defendant costs incurred in connection with this action, attorney fees, and any other relief this Court deems appropriate. LAW OFFICE OF DUANE P. STONE, P.C. By: Jason B. Duncan, Esq Atty ID # 87946 Duane P. Stone, Esq. Atty ID # 85715 8 N. Baltimore Street P.O. Box 696 Dillsburg, PA 17019 Ph: (717) 432-2089 Fx: (717) 432-0158 OF THE COURT OF COMMON PLA" OF CUMBBRIAND COUNW, PZNMSVLVANIA ]PORTFOLIO RECOVERY ASSOCIATES, LLC Plaintiff, V. KENNETH R. GOOD Defendant CIVIL DIVISION No. 2007-05895 V$RTFICATION The above Answer to Amended Complaint is based upon information which 1 have furnished to my counsel and information which has been gathered by my counsel in preparation of this matter. The language of the Answer to Amended Complaint is that of counsel and not of me. I have read the Answer to Anrumded Complaint and to the extent that the Answer to Amended Complaint is based upon information which I have given to my counsel. it is true and correct to the best of my knowledge, information and belief. To the extent that the content of the Answer to Amended Complaint is that of counsel, I have relied upon counsel in making this verification. 1, KENNETH GOOD, hereby acknowledge that the facts set forth in the aforesaid Answer to Amended Complaint are made subject to the penalties of 18 Pa.C_S. 94904 relating to unsworn falsification to authorities. DATE: -' 9 AIL 9-I K neth Cloud CERTIFICATE OF SERVICE AND NOW, this day of May, 2008 I hereby certify that I have served a copy of the Complaint upon the following by depositing a true and correct copy of the same in the United States Mail, postage prepaid, at Carlisle Pennsylvania addressed to: David J. Apothaker, Esquire Apothaker & Associates, P.C. 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 LAW OFFICES OF DUANE P. STONE, P.C. By: 14 0a i?' Naj-/ Lisa A. Murphy 0 rya C ? -c; ? r?. ? ? x? nw r-- ;> .... ,.ra? ? C . ?? ? ?? ? ?` .G` Our file No.: 96691 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 215-634-8920 Attorneys for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC VS. KENNETH R GOOD Plaintiff, Defendant. COURT OF COMMON PLEAS OF CUMBERLAND COUNTY DOCKET NO.: 07-5896 CV Civil Action ANSWER TO NEW MATTER Plaintiff, PORTFOLIO RECOVERY ASSOCIATES, LLC, by and through their attorney, answers the following New Matter: 9. No responsive pleading is required. 10. Denied. Plaintiffs claim is not barred by the doctrine of release. 11. Denied. Plaintiffs claim is not barred by the doctrine of waiver or by the doctrine of estoppel. 12. Denied. Plaintiff's claim is not barred by the doctrine of laches. 13. Denied. Plaintiff s claim is not barred by the applicable statute of limitations. 14. Denied. Plaintiffs claim is not barred by the doctrine of novation. 15. Denied. Defendant was given proper notice of the sale. 16. Denied. Defendant was given proper notice of the sale. 17. Denied. Plaintiffs complaint brings a valid cause of action against defendant. WHEREFORE, Plaintiff demands that Defendant's New Matter be dismissed. APOTHAKER & ASSOCIATES, P.C. Attorneys for Plaintiff A Law Firm Enaaaed in Debt Collection Kim DATED: June 4, 2008 VERIFICATION Kimberly F. Scian, Esquire hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Answer to New Matter are true and correct to the best of my knowledge, information, and belief. The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904 relating to unsworn falsification to authorities. DATE: 6/4/2008 J t- Our file No.: 96691 APOTHAKER & ASSOCIATES, P.C. BY: Kimberly F. Scian, Esquire Attorney I.D.#55140 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorney for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, Vs. KENNETH R GOOD Defendant. NO.: 07-5896 CV CERTIFICATION OF SERVICE I, Kimberly F. Scian, Esquire, attorney for Plaintiff, certify that on 6/4/2008, I mailed a copy of the Answer to New Matter by Regular mail to JASON B. DUNCAN, ESQUIRE 8 N BALTIMORE STREET DILLSBURG, PA 17019 Scian, Esquire Plaintiff Date: 6/4/2008 ? ?p ? ' ? ° C. 1 ? ?'?i ,:?ti .r..... ?,°.._-'; ?+i. _y x- may'} ,`v r- .. '% IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, : CIVIL DIVISION LLC Plaintiff, : V. No. 2007-05896 KENNETH R. GOOD : Defendant DEFENDANT'S MOTION FOR SUMMARY JUDGMENT AND NOW on this 6 day of , 200Y, Defendant, Kenneth R. Good, by his undersigned attorney, movers the court to enter summary judgment as a matter of law in favor of the Defendant in the above-entitled case for the following reasons: 1. Ford Motor Credit Company (hereinafter "Ford") financed the purchase of a sports utility vehicle (hereinafter "Vehicle") which was sold to Defendant Kenneth R. Good on or about April 8, 1997. 2. In 1997, Defendant defaulted in payments. 3. Ford repossessed the Vehicle for non-payment in or around late 1997 or early 1998. 4. Plaintiff, Portfolio Recovery Associates, LLC contacted Defendant in 2006 regarding the outstanding balance due to Ford for the purchase of the Vehicle. 5. Defendant has not made any payments after 1997. 6. Plaintiff's Amended Complaint admits the only attempted collection after 1996, which was scheduled to be an electronic funds transfer on r' _ . -s or about August 17, 2006, was not successful and the full outstanding amount of $6,365.96 was still due and owing. 7. Plaintiff filed a Complaint in the Court of Common Pleas of Cumberland Count, No. 07-5896-CV on October 5, 2007; an Amended Complaint was filed on or about April 4, 2008. 8. Pursuant to 42 Pa.C.S.A. § 5525 and 13 Pa.C.S.A. § 2725 the statute of limitations for a breach of motor vehicle installment sales contract is four years. 9. Plaintiff is now fully barred and estopped from asserting the claims set forth in its Amended Complaint since the same are now filed at least six years beyond the expiration of the applicable limitations period. WHEREFORE, Defendant, Kenneth R. Good, respectfully requests this Honorable Court grant his Motion for Summary Judgment and enter judgment in favor of Defendant and against all other parties of this case. Respectfully submitted, LAW OFFICES OF DUANE P. STONE son B. Dun a , Esquire Attorney for Defendant I.D.# 87946 8 N. Baltimore Street Dillsburg PA 17019 Ph: (717) 432-2089 Fax: (717) 432-0158 r^ i ~? a f 7 .. Q7 ?.W. hs CJ -?? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, CIVIL DIVISION LLC Plaintiff, : V. No. 2007-05896 KENNETH R. GOOD Defendant PRAECIPE FOR LISTING CASE FOR ARGUMENT TO THE PROTHONOTARY OF CUMBERLAND COUNTY: List the above matter for the next Argument Court. 1. The subject matter to be argued is: Defendant's Motion for Summary Jud ment 2. Counsel who will argue cases: a. For plaintiff Jordan Felzer, Esq. APOTHAKER & ASSOCIATES 2417 Welsh Road, Suite 214520 Philadelphia, PA 19114 b. For defendant: Jason B. Duncan, Esq. LAW OFFICE OF DUANE P. STONE, P.C. 8 North Baltimore Street Dillsburg, PA 17019 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Date: Z ason B. Duncan, Esq. Attorney for Defendant CIL' ?. 7 a Our File No.: 96691 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker Attorney I.D.# 55140 2417 Welsh Road, Suite 21 #520 Philadelphia, PA 19114 (215) 634-8920 Attorney for Plaintiff PORTFOLIO RECOVERY ASSOCIATES, LLC Plaintiff, vs. KENNETH R GOOD Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 07-5896 CV PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss this action without prejudice. APOTHAKER & AV Attorneys r A Law Firm Enaa ed i By: TES, P.C. bt Collection David J.-Apothaker Dated: 8/26/2008 .;C s.; ? =ate