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HomeMy WebLinkAbout08-0783M IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CACH, LLC NO: 68 - '793 0 ivi L--T?rm VS MICHAEL ARMSTRONG NOTICE TO DEFEND You have been sued in Court. If you wish to defend against the claims set fourth in the following pages, you must take action within (20) days after the Complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the Court you defenses or objections to the claims set fourth 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 of any money claims or any other claim or relief requested by the Plantiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOU LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THIS OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIIRING 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. LAWYER REFERRAL SERVICE Court Administrator 41h Floor, Cumberland County Courthouse Carlisle, PA 17013 (717)240-6200 Harrison Ross Byck, Esq., P.C. 229 Plaza Boulevard Suite 112 Morrisville, Pennsylvania 19067 1-888-275-6399/(215) 428-0666 Attorney for Plaintiff CACH, LLC 4340 S. Monaco Street- 2nd Floor: DENVER, CO 80237 COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiff, Vs. MICHAEL ARMSTRONG 621 POPLAR CHURCH ROAD CAMP HILL, PA 17011-1836 Defendant(s). COMPLAINT To: MICHAEL ARMSTRONG 621 POPLAR CHURCH ROAD CAMP HILL, PA 17011-1836 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 Cc nplaint 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 the court without further notice may enter a judgement against you for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose 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. LAWYER REFERRAL SERVICE Court Administrator 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717)240-6200 AVISO Le han dernandado a usted en is corte. Si usted quiere defenderse de estas demandas expuestas en las pagins siguientes. Usted tiene veinte (20) dias de plaza al partir de la fecha de la demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si usted no se defiende. La corta tomara medidas y puede continuar la demada en contra suya sin previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que usted compla con todas las provisions de esta demanda. Usted puede perder dinero o sus propiedas o otros derechos imporrantes para. usted. LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICE DE REFERENCIA LEGAL Court Administrator 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717)240-6200 Plaintiff, CACH, LLC, by its attorney Harrison Ross Byck, by way of complaint against defendant(s) MICHAEL ARMSTRONG, avers the following: 1. Plaintiff, CACH, LLC, is a Colorado limited liability company doing business at 4340 S. Monaco Street- 2nd Floor; Denver, Colorado 80237. 2. Defendant, MICHAEL ARMSTRONG, is an individuals residing at 621 POPLAR CHURCH ROAD; CAMP HILL, PA 17011-1836. 3. Defendant, MICHAEL ARMSTRONG, is indebted to BANK OF AMERICA, N.A. on an account stated by and between them in the amount of $5,042.47 which balance was due and unpaid as of October 8, 2004 for credit card account number 40712970 2396 0279. <Exhibit A> 4. On or about June 2, 2006, Bank Of America, N.A. sold the debt for good and valuable consideration to plaintiff, CACH, LLC. <Exhibit B> 5. Defendant (s) MICHAEL ARMSTRONG last tendered a payment on this account on or about November 11, 2004 for $109.00. 6. A copy of the credit card agreement is attached hereto. <Exhibit C> 7. Plaintiff is entitled to charge-off account finance charges of $-0-. <Exhibit A> 8. Plaintiff is entitled to pre-litigation charge-off interest of $3.73 per day from the default date (26.99% annual percentage rate x $5,042.47/ 365 days) or $3.73 x 549 days = $2,047.77, which is accrued interest through the date of filing, plus an award of late fees of $-0-, plus court costs $178.50 and reasonable attorneys fees of $1,008.49. <Exhibit A> 9. The defendant, being indebted to the plaintiff in the sum or$8,277.23 upon the account stated by and between them did promise to pay said sums upon demand. Demand has been made for payment of $8,277.23 and the defendant has failed to remit payment. WHEREFORE, plaintiff demands judgment against the defendant for$8,277.23 together with other interest, costs of suit, and an award of reasonable attorney's fees. Date: January 16, 2008 EXHIBIT A 0 Fleet A~ R16SMr 4071 2970 2306 0279 $5,08828 Ammn Illown" .. =1,410.28 - OCT. b, 2004 .t.'._. Ten «avat! is ?reatl 11r11MA/len W: *At~ 1SrMa4 at 1.600.02.2600 rmsafr M4NASrirASS111M1S16111ae?q • a a.nrl.i.Mr... pYw AA1r 101 m>t.a • Wto am* pgotlY to Rrr mom Carr ftnj. CREDIT CARD SERVICES MICHAEL C ARMSTRONG 40466 621 POPLAR CHURCH ROAD P.O. SOX 1070 CAMP HILL PA 17011.ftS NEWARK, NJ 07101-1070 11111111111/111111rII1111111411111111#1111111 IMIIIIIIIIII11 1111I11111111r111111111111A1111111III1111A11A#1111111111111111 4071297023960279 0508628 0141028 Ca14400 aA+a4Ya OW rrrn tam aaw nN pry?rr. .,- ACCOUNT SUMMARY FOR MICHAEL C ARMSTRONG Ae01rr NAWr•, 40712970 2596 0279 PAYME NT WORMATION e :4,901.26 0.00 i :t axi? * 0.00 f + 64.00 + 121,02 1 ib 066.26 TOW Credit EVAN: 1114,900Ao Cosh Ad6EIfDr LBRR: :2,160.0• Bmq Cycle Cledng DOW., Ow"m Aw4NM Credit: 00.00 Ceh Advom Avrlublec"A0 Dwp In Billing Cycle: 33 A 1CHA1f1AC vfWIb r-uA / E! Awn Ne?n1TQ TrrrIsmo 19 fAMs PorRp 060 RPMProm -- Nu+1Epr - TnrlpeYan peppftn cmm Charles am SG106 OVOLoffrm 21400 om sm LATE M 7840 ow OArIP 'PNANONONAROE• PUROMM MA CAtNAtWANCE=1ft" ft162 For infon116on on your socount or to reach CustorMr Service: hetpdAMYPw f1NlRbrreoaw is -- RO P + l O . X1t 4sevA . UNWONDE1f1NitlS r nm%p^ . rcf16C111 Aur f1A I C 16p perom SSS SSr hb110S SSIIMOS pood15 of t16RINSNMrp MSS): 20.900% ANNUAL PERCENTAGE RATE ura..nnellnewg.ot.wnlrytRla.q,?g?p1 po9o0li ¦Yr6 love amum /11bS00SSM1,yoSr paryeo rob. may MY. INFORMATION FOR YOU PLUM CALL US ENiD1ATA.YAT 14"466SM YOUR ACCOUNT K PAST DUE YOU MAY NONMAKE PAYMEM ONLRNI 0 WWWA 01K0PA19 1ECA00wCAR0N01 N0ka,CC9 YOUR ACCOUNT M CURREMY CW110 PLEAUNOTETNENEWPAYNBITADDRESS•TOPAYWV AE, RETURN THE REMITTANCE COUPON PORTION OP YOUR ITATMINT THAT 81110101111 THE NEW PAY=ff AN)RM N THE OICLOIt S) WIVS OPE. F YOU USI A %"Am Y1. PAY SEEMS ME SURETO PRONPMIY PROVIDE T11EM MM 71115 NEW PAYYMNT YNNMO ADDREIt, SEE REV611161DE FOR IYPORIART NS'OMATM 5111 4402 460 21 7 6 M4944 I. XP." 1 of 1 4711 T441 TANG GLAMIL 111966 Fkd Amoum m=bw 40712970 2396 0279 rowY,?m& ,rN4ylp, aY>: 65,260.47 i 61,675.17 "' M . :a NOV. 3, 2004 Fe.aeant l.IerwAtIm ad: ante w MMa of 1480.492.2600 a 1eP onto: MI+:aNwty • IO oMeO?e ?aYaw Novo ? torn an buL • tuft dN! PwYY to A.et 000 O.N awela.r. CREDIT CARD SERVICES MICHAEL C ARMSTRONG qpT 821 POPLAR CHURCH ROAD P.O. BOX 1070 CAMP HILL PA 17011.1838 NEWARK, NJ 071014070 IIIutIu:fuJ111n1tldiu:IIII:uI:uilItuItuIII nu11n1 If III 4071297023960279 0526047 0167547 911uh M Pa1e..tlaa wA "um Nwa6aw wick PNwo t ACCOUNT 6UMMARY FOR MICHAEL C ARMSTRONG Aeem w.r.r 40771 1970 13 6 0275 PAYMENT 6YFORMATKNI S i!. :5::!C };CJµ -2971 0.00 f 0.00 F 64AO f 110.19 Tots! Cro& Limit: 64,300.00 CMh Advafa unit: i4,180.oo BMW* 01a 110011w; 1W07104 Avdkbb CrOIN: 69.00 On h Advrofoo Avnl1n W.$*.00 D0fr0 M Win@ 4yoN: 29 Troms~ Pmew Adwtvg5 Da. DAM Alwthw Twain; m Ds w tin *aft CAo m low lap OVOLWfH! um 1aN law LATE MM am tan f91n *muu sCmmw PUNcm *1943CASHADVANCESON 11x9 For fnlamrlbn on your txeoum or Io rwch CoWrw Scalp; 1.0114110,fp9 - httPJhfOrw InSfnboraoa?0 p.0.807f 194MNIB1mNiTON D61MNi410 ._ ANNUAL PERCFNTAQE RATE for MreMroo no bdomm wuhn omohM r7 %ma mr ohrps": 2 L"O% ANNUAL PERCENTAGE RATE woah odwnao pltoh:4aa:ry 955nor oherp leak 26.990% NY" Mw •1r0r1f91r car ?OON11tiY0f pNy41P IhMV n w wry. INFORMATION FOR YOU PL6A98CALL 1M 8t0ti0NT9LYAT1r10i0Ff161 YOMt ACCOIMTN PAST OUti. YOU BMY NOwt4AKt PAYN8Nf00NUM0 YOUN ACCOMR M CUIrNimy cLom OR REYEIME ODE FOR AIPOr1TART ¦90I IATON 5311 or03 WA 21 T 5 34100? EX Par. 1 of 1 4713 7001 1AND OLAM11 ?eua Red Amount mmr 40712970 2396 0279 trtu . Df 1MI I '": ? =0.00 Aeoat ? twos w .;> ; h, ?Fl itgwlt ? ` ?•OD ' NOV. 4, 2004 ttetkae11rr ?s1: Aram 0avlw r 1-lOP/P4•1600 s loa m to IMtpJNlerer aw.5am. • ?ar l11ri dakM11 Mtul ttta torn in but • UWE ok"k poyeble to Flat 000 Doll ir.lww CREDIT CARD MICHAEL0ARMSTRON13 zfua9 P.O. BOX RD 821 POPLAR CHURCH ROAD 1070 CAMP HILL PA 17011.1838 NEWARK, NJ 07101-1070 11111111111111111111111111111111111111t11111111111111111tt1111 lttrllltttlllrtttt111tttlltttlllttltttllrtllttttitltttllttlttl 4071297023960279 0000000 0000000 t1lbeMrpafattaerterr wrwNn114A11waM!}riterlr. ACCOUNT SUMMARY FOR MICHAEL C AAMSTRONQ A.eeora %when 40712970 2396 0279 PAYMENT NFORMMATKSI ti'ara' _ -ys : n $6,260A7 -w•. 3,997.02 .; h u + 0.00 t 0.00 s * OAO 60.00 T11rW Cretin Lin*: =4,500.00 Cloth Adrasm Lbnwb $2,180A0 aping C1rolt a" to DEW. 10/09104 AraNalla CndN: "AC Cwh Adwaft AvWbbiwt0.0o Days In SNbp Cyrlw 8o A RECORD OF YOU R CHARGES AND CRED ITS Trlrerer700r F RO WWW mwt w Thaimco eD"cricsim OwIl9 C"M Rt7i18a11AwINaN CISAROEOFFACCOIINM1?pM40pAL0 me. O0N01,00 sem g1AROi01TA000IMIT•FBMMC[OI Apaw Faf Itlorttw4on on Irour accouIII o (I0 reach Custom Service: ' . .. , h1yJAlwat m11laltfarr11r0 tp. _ ' PA. iOX 1MN MLMNOTON tNr 10000i4p :t.: ANNUAL PERMWAQE RATE 1f11ptaiwaea aN IaYa11a taaafw11 Owwfeaw 4btatne tMrpfeeep 10.p0% ANNUAL PERCENTAQE RATE t11Taarla49asoarpawwfaRwaaaeeabw,,l9aag 20.000% Eger atara ttalfeaN tar aeeerri, yelrPwleAo taws eaq ?y M INFAM erDE FOR MPMANTaFOMAIM 5411 fool NOD 21 9 21 1414011 111 Pq. 1 of 1 3T71 7408 1AN0 01,411111411 241159 O Fket Aamwr Irmr104071 2970 2398 0279 10 fa mr 'DE ?j" '?'.. .., $6,151.47 1f N Mi . $1,838.47 NOV. 25, 2004 For S.nYt bdommalim ON; cwi wr l10N00Y 1-000.102.9600 K I" ow IK • ti Y9we0 Y 0/e1044 Olwu IIIO IrY aq\.? •SIY.YraIt11 aRIY0100ONdf9r51a1Iw CREDIT CARD SERVICES M}CHAEL C ARMSTRONG 152 621 POPLAR CHURCH ROAD P.O. BOX 1070 CAMP HILL PA 17011-1696 NEWARK, NJ 07101.1070 IIIIIIIIIIIfI1IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII111IIIII 11111111111111111111111 4071297023960279 0515147 0163647 DwAY pVIpYIN aw/ nIK111A 05M ur0 ?M7w00L ••_ ACCOUNT SUMMARY FOR MICHAEL C ARMSTRONG PAYMENT NpGRMATX)N • 7w.w + 0.00 + 0.00 + 0-00 i5 i NOV. 20, 2904 i ONN14 19,181.47 TOW Crem Lkmw $4900.00 Crrh A*weee Umh: $4,160A0 BBfYq Ck liq DON: /WbM Avail" OMMs $0.00 Cwh A4vwm Aval":80A0 Dee In f?Yg Cycle: 30 • fae[?nen K 4r,?e1e rv,?,>?ew gun we?w,?., TirrNrcfgn D1N P0mv p41ylwm -- 0" Nfsnba TnrrrelM Lyrdlr C?1Rf0e 10A2 Ims 7N77:l11lffLww PAYWITTIMNKYOU WilaimOTON m In" For an y=awounta1: a rewh Cwbm er $Nri00: F htIP9Avww,?ol?wMea,oonUowdwwrty0ngo? 1 P.0.itOXfiW 1NMJrIOyON Di 1fYf•MIO .S:i . i tS ,:s' ? . P+ •.' Y. kip m9mm-A& rcng rm I AVc KA I C M?OfMiMf C?ffeflMOR pfobYergr f),ffre elaflp st5ee): 20.41$0% ANNUAL PERCENTAGE RATE N embeav wspob"wwtm evellt¦pwwx asm fryerh-evamb- 7-MIInUrobemwvr7• SU RWEIM fine FMWPM*Jff fi0MAWN 5311 8900 no 71 3 22 041029 Z X F". l of 1 3751 7940 LANG DIA55311 151 EXHIBIT B CERTIFICATE OF PURCHASE I, Dawn RannellS hereby depose and state that: 1. I am an Authorized Agent of CACH, LLC, a Colorado Limited Liability Company. 2. As such, I am authorized to give this Certificate, and possess sufficient personal knowledge to do so regarding: Customer Name: MICHAEL C. ARMSTRONG Original Creditor: BANK OF AMERICA, N.A. Account Number: 4071297023960279 3. On or about Tune 2, 2006 this account was sold by the original creditor. CACH, LLC is the current owner of the account and purchased the account for good and valuable consideration. Date: SEP 0 7 2007 By: 01-0 1 before me thi? day of:?00?? Notary Pu My Commission Expires: STEPHANIE MORRIS NOTARY PUBLIC STATE OF COLORADO My Commission Expires 05/22/2011 PA 6.01.07 EXHIBIT C fill' 4 p s a s ?e a s ft s I S,. Jill 1!_ f r e: _ SCI 3 a 144 '?? sr k DO, I j H I S ? .._ ? ?I i r #s 1? MY11#,J],J. I . ' A, T x I $ I fill 10 1 9 a - oil o 4 1 19 !1 fie . I milli g11 jj fit Ar ?• ? a?3 all mg IT :dP •.,.. it =g ILI ?¢ f :fa. . . r• v we Nam a i.w.i.m to we aR am Oseorwfd abo-a we ?NOaoir ap?r?sw :aa: ?a? as an Aroec the C* Fe dtlac Rm it aM aoaba Aarara ?wowe" Am dYAOed oy Mrs nuaoK d in to }lir•?ii??d?d to N am 1i?MghuiOrlQUou?n+dihai•iMOa??11pe0oY?L Ara ARM.?Arlhaaaszpwfalafcoerwlpanata Daa? ? aaacM a'aI lip of do faa0a100 ata allot yas Atom was 111 7 as Ptearaa Mit batty wa aopy w pur pta+?aeet• hRAww ' 7" Aaaaa! flew ow prna:lraaau a wtdabr ear. o? ? aaioar?rrw?a+?asaanr? 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Y.t. a?'Q I w Bank of America ! `WA•OR MASTO W L AMe?{ Amnotm oat *ms a om as to "w Vim L4*4W4 *0 oft ON WWWC rd w FUbes SWW-le ANON COADMO J. boofffftamboom "Alfth n1," ,foe?er wemm w*. n rrw e{ s owacL Masw tiA Plow no rowt'?ocotia ovwrNirnw? t? Yar art «? pents?rf eNeir+a .ee«.a r.?srn sne?rr?eta.orasRP+ware? ¦a?.rawa< mar 1rowow AidgNrr a cow ar ara?ll Ob +w+?ows at t+oo?a+ag•u,xpp!Wea?ra..,rre+Me.r weame ow youeretraeE ?heiryr.?ow.nrti.?yev aaooevK Y «wdlei ' Mt lroMelon aq na?is?M. t=apu?teoE C1141Ct • aY+M1R f ? ? . atkb anr-Mal y?4?e.t?ICS a ftrsy OWP ewe on a PMb4a ?Mr:tor7 is p"Wit. M" 3Q+?ipiend?eeoiMtCho"-?3%?s3 rN Offer t?el?lfOn ?r M p4 s?+k+W; care-?a? oe.•?ae?=+sts?o.? rao?ooact??? fad?gwwt•eRalmpNw AnrwrMesatrsllet. ?a?? r? to irq? a#? i M Nhn Aela01M ttes?+ete OsaoRM?aM IN".ot ?e tfA WAMy WW*SWWAP W Oft", ht 40• aNa rr ? d N 1?~ab?rM Ian Ms.k?liq Wbv eyeba MN wa Oesrrline yar MOae ss aa? , 4it a~eeMM O?LV Fsbwy Aft _ ?jr.MiD?rf,trow0l? /upset Cesar. tlogeOr. Deitwl+r ISC4 aPR 3-M I i 19 it I - 4 1 Plow a trap Bw*aUmrtea t ficj"-;• "3?6 ;i r C : • ?tk 1 5?' gi'44I?G 'y' :? ? ??Y,$ ._,?:. J t•. s ::,: ? '1 ?}.d'T el ' ;Z VERIFICATION Dawn Rannells I hereby depose and state that: The language of the foregoing document is that of counsel and not necessarily my own; however, I have read the foregoing document and the factual information contained therein is true and correct to the best of my personal knowledge. I am the Authorized Representative and a duly authorized representative of the plaintiff; The factual allegations set forth in the foregoing pleading are true and correct to the best of my knowledge, information and belief, and they are that MICHAEL C. ARMSTRONG owes the balance of $5,042.47 to CACH, LLC on previously submitted invoices, which balance is due and unpaid as if the date of the execution of this Verification. I am aware that if any of the foregoing is willfully false, I am subject to punishment. I understand that false statements made herein are subject to the penalties relating to unsworn falsification to authorities. ar Dated: SEA' 0 7 2007 Authorized Representative PA 6.01.07 * r rn y c SHERIFF'S RETURN - REGULAR CASE NO: 2008-00783 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CACH LLC VS ARMSTRONG MICHAEL TIMOTHY REITZ Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon ARMSTRONG MICHAEL the DEFENDANT , at 1602:00 HOURS, on the 5th day of February-, 2008 at 621 POPLAR CHURCH ROAD CAMP HILL, PA 17011-1836 by handing to HESSIE POOLE, ADULT IN CHARGE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 14.40 .00 10.00 00 42.40 Sworn and Subscibed to before me this day of So Answers: t. R. Thomas Kline 02/07/2008 HARRISON BYCK By: eput herif A. D. w CACH, LLC, Plaintiff, V. Michael Armstrong, Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket No.: 08-783-Civil Term PRELIMINARY OBJECTIONS FILED BY DEFENDANT MICHAEL ARMSTRONG AND NOW COMES Defendant, by and through his counsel, and files these Preliminary Objections pursuant to Pa.R.C.P. 1019, Pa.R.C.P. 1024, and the following: L INTRODUCTION 1. Plaintiff commenced the above-captioned action in this Honorable Court by filing a civil Complaint on or about February 1, 2008. 2. Plaintiff seeks damages pursuant to a credit card agreement with Fleet Bank that is not attached to the Complaint. 3. Plaintiff is an assignee of Fleet Bank and did not attach a copy of the assignment and/or the chain of title that applies to the alleged debt. 4. Plaintiff demands the amount of $8,277.23, which includes interest, fees and costs. See Complaint at Paragraphs 8 and 9. II. LEGAL ARGUMENT 5. The alleged consumer debt in question involves a credit card agreement between the Defendant and a third party, Fleet Bank. (Hereinafter Agreement) 6. There is no copy of the Agreement, signed by Defendant, attached to Plaintiff s Complaint. 7. Plaintiff attached a credit card agreement from Bank of America, however, there is insufficient information to determine if the Bank of America agreement pertains to this 1 1 Defendant and the alleged debt. 8. Pennsylvania law requires that Plaintiff have a valid assignment of the alleged debt prior to having authority to collect same. 18 Pa.C.S. §7311(a)(1) and (2). 9. Plaintiff failed to attach any written documents to its Complaint that would show it has authority to collect the alleged debt. 10. Pennsylvania law requires Plaintiff to have proper documentation in order to collect interest, fees and/or costs. 18 Pa.C.S. §731 l(b)(1). 11. Plaintiff failed to attach any written documents to its Complaint that would show it has authority to collect interest, fees and/or costs. 12. Plaintiff failed to afford Defendant the opportunity to dispute the alleged debt, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. 13. Plaintiff failed to afford Defendant any rights in the collection of the alleged debt, pursuant to 15 U.S.C. §1692 et seq., as well as Pennsylvania Fair Credit Extension Uniformity Act, 73 P.S. §2270 et seq. 14. Plaintiff alleged no facts to demonstrate that it has the legal authority to collect the alleged debt. 15. The Plaintiffs Complaint should be dismissed because Plaintiffs Complaint is based on various written documents, not attached to the Complaint. 16. The Plaintiffs Complaint lacks subject matter jurisdiction over the Defendant because the Defendant does not owe any monies to the Plaintiff and Plaintiff has yet to prove that it stands in the position as the original creditor. 17. Plaintiffs Complaint fails to conform to Pa.R.C.P. 1019. 18. Plaintiffs Complaint fails to conform to Pa.R.C.P. 1024. r ' 19. Plaintiff failed to provide sufficient information to verify its Complaint. 20. Plaintiff is time-barred from bringing this action. 21. Defendant requests that Plaintiff provide proof as to how the alleged debt was calculated. WHEREFORE, the Defendant respectfully requests that this Honorable Court, DISMISS Plaintiff's complaint with prejudice. Dated: 4/2/08 Certificate of Service: - C -" By: /s/ eanna Lynn Saracco Deanna Lynn Saracco, Attorney for Defendant 76 Greenmont Drive, Enola, PA 17025 Telephone 717-732-3750 Fax 717-728-9498 Email: SaraccoLaw@aol.com I hereby certify that a true and correct copy of the foregoing was served on attorney for the Plaintiff via U.S. First Class Mail as follows: Harrison Ross Byck, Esquire, P.C. 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 Dated: 4/2/08 1 By:/s/D n Saracco CACH, LLC, Plaintiff, v. Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket No.: AND NOW THIS, ORDER day of , upon consideration of the Preliminary Objections of the Defendant, it is hereby ORDERED AND DECREED that Plaintiff's Complaint be DISMISSED WITH PREJUDICE. Distribution Plaintiff: Harrison Ross Byck, Esquire, P.C. 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 Defendant: Deanna Lynn Saracco 76 Greenmont Drive Enola, PA 17025 J. c_? +J (2-J F 1 Deanna Lynn Saracco Attorney for Defendant/Petitioner Attorney I13#77414 76 Greenmont Drive Enola, PA 17025 717-732-3750 CACH, LLC, IN THE COURT OF COMMON PLEAS Plaintiff/Respondent CUMBERLAND COUNTY, PENNA. V. Michael Armstrong, Defendant/Petitioner. No.: 08- 783 Civil Term DEFENDANT's PETITION FOR RULE TO SHOW CAUSE ORDER AND NOW, this 23rd day of June, 2008, comes the Defendant/Petitioner, by and through his/her attorney, Deanna Lynn Saracco, and respectfully requests that this Honorable Court issue a Rule upon Plaintiff/Respondent, to Show Cause pursuant to Cumberland County L.R. 206.4, Pa.R.Civ.P. 208.3(a) and submits the following in support hereof: 1. Plaintiff/Respondent filed a Complaint against the Defendant/Petitioner on February 1, 2008. 2. The basis of the suit is for an alleged debt, (See Plaintiff's Complaint, paragraphs 3-5); however the Plaintiff/Respondent failed to demonstrate that it has the legal authority to collect the debt and/or to file suit against the Defendant/Respondent, pursuant to 18 Pa.C. S. §7311 et seq. 3. The Plaintiff/Respondent failed to demonstrate how the alleged debt was calculated and failed to provide the Defendant/Petitioner an opportunity to dispute the alleged debt pursuant to federal law, 15 U.S.C. § 1692 et seq., also known as the Fair Debt Collection Practices Act. y 4. Defendant/Petitioner filed Preliminary Objections on April 3, 2008. 5. More than twenty (20) days passes since service has been made and to date, the Defendant/Petitioner has not received a response to the Preliminary Objections. 6. Plaintiff/Respondent should be required to Show Cause as to why the Preliminary Objections should not be granted and judgment entered in favor of the Defendant/' Petitioner. 7. Pursuant to Pennsylvania Rule of Court 206.5(b), a proposed Order in the form prescribed by subparagraph (d) of the Rule is attached hereto. WHEREFORE, Defendant/Petitioner respectfully requests that this Honorable Court issue a Rule to Show Cause upon Plaintiff/Respondent to show cause as to why the Preliminary Objections to the Complaint should not be granted and judgment be entered in favor of the Defendant/Petitioner. Dated: 6/23/08 Respectfully submitted, By: &4- Deanna Lynn Saracco Attorney for Defendant/Petitioner 76 Greenmont Drive, Enola, PA 17025 717-732-3750 Certificate of Service: I hereby certify that true and correct copy of the foregoing Rule to Show Cause was served on Plaintiff/Respondent, via U.S. First Class Mail, postage prepaid, as follows: Harrison Ross Byck, Esquire, P.C. 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 Dated: 6/23/08 By: b-k, Deanna Lynn Saracco +:?? ? ;:? -- ?? ? .7-i W ?? ., r ? ?' ? E'tl : ? jC3 •. ' ? tir'? ? ?" ?? y ~. ?... ?{? CACH, LLC, Plaintiff, V. Michael Armstrong, Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket No.: 08-783-Civil Term PRAECIPE TO ENTER APPEARANCE I hereby enter my appearance on behalf of Defendant Michael Armstrong, in the above captioned matter, replacing attorney Deanna Lynn Saracco. Please change the docket to reflect that 1 am now attorney of record. Dated: //? ? le 9 Respectfully submitted, &AA,-v A242??. Lawren J. Rosen, Attorney Krevsky & Rosen 1101 North Front Street Harrisburg, PA 17102 717-234-4583 Certificate of Service: I hereby certify that a true and correct copy of the foregoing was served on attorney for the Plaintiff via U.S. First Class Mail as follows: Harrison Ross Byck, Esquire, P.C. 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 Idom gai=? Dated: ( By: Lawr ce J. Rosen L rft{ --1 CACH, LLC, Plaintiff, V. Michael Armstrong, Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY Docket No.: 08-783-Civil Term PRAECIPE TO WITHDRAW APPEARANCE AS COUNSEL FOR DEFENDANT I hereby Withdraw my appearance on behalf of Defendant Michael Armstrong, in the above captioned matter. Attorney Lawrence J. Rosen entered his appearance. Please change the docket to reflect that Attorney Lawrence J. Rosen is now attorney of record. Respectfully submitted, Dated: 1 N1.?08 BY: / eanna Lynn Saracco Deanna Lynn Saracco, Attorney for Defendant 76 Greenmont Drive, Enola, PA 17025 Telephone 717-732-3750 Fax 717-728-9498 Email: SaraccoLaw@aol.com Certificate of Service: I hereby certify that a true and correct copy of the foregoing was served on attorney for the Plaintiff via U.S. First Class Mail as follows: Harrison Ross Byck, Esquire, P.C. 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 Dated: 12 5/08 By:/ 1140 LYnn Saracco c:? ,,.?, g_i - -? _?t ,?? ? i r,,..? - n? Ca .._ ?. ? r _ .. =ry ?, ?N . ?a . . , CA /AL Harrison Ross Byck, Esq., P.C. Attorney I.D. 61511 229 Plaza Blvd. Suite 112 Morrisville, PA 19067 1-888-275-6399 // (215) 428-0666 Attorney for Plaintiff CACH,LLC Plaintiff, vs. MICHAEL C. ARMSTRONG Defendant(s). TF,_ C 201C Si;i128 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: 2008 - 00783 PRAECIPE FOR ARGUMENT COURT TO THE PROTHONOTARY: Kindly submit the following matter to a Judge for determination: PRELIMINARY OBJECTIONS OF MICHAEL C. ARMSTRONG TO PLAINTIFF'S COMPLAINT DATE OF FILING: APRIL 3, 2008 Allan C. Smith, sq. Attorney I.D. 204756 Law Office of Harrison Ross Byck, Esq., P.C. 229 Plaza Blvd., Suite 112 Morrisville, PA 19067 Attorney for Plaintiff Dated: January 25, 2010 . . I PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) CAPTION OF CASE (entire caption must be stated in full) CACH, LLC vs. MICHAEL C. ARMSTRONG No. 00783 2008 Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): PRELIMINARY OBJECTION OF MICHAEL ARMSTRONG 2. Identify all counsel who will argue cases: (a) for plaintiffs: ALLAN C. SMITH, ESQ. (Name and Address) 229 Plaza Blvd., Ste 112, Morrisville, PA 19067 (b) for defendants: LAWRENCE J. ROSEN, ESQ. (Name and Address) 1101 N FRONT ST, HARRISBURG, PA 17102 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: 17 February, 2010 ALLAN C. SMITH, ESO. Print your name PLAINTIFF Date: Attorney for j INSTRUCTIONS: 1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. AL/ Co, CACH, LLC AN THE COURT OF COMMON PLEAS Plaintiff :CUMBERLAND COUNTY, PENNSYLVIA n i7t,,A1 -n rn M MICHAEL C. ARMSTRONG : NO. 08-783 - Civil Term Defendant PRAECIPE TO DISCONTINUE ARGUMENT COURT `•' cn A X, TO THE PROTHONOTARY: You are directed to discontinue the Praecipe for Argument regarding the above action, scheduled on February 17, 2010, without prejudice, due to the following: Agreement by all parties x Other: The undersigned, counsel for Defendant, Michael C. Armstrong, is scheduled to be in Hearings throughout the date said Hearing is scheduled; including a deposition in Montgomery County. Dated: a / // C) Lawrence J. Rosen, Esquire ID# 10625 Krevsky & Rosen, P.C. 1101 North Front Street Harrisburg, PA 17102 Attorney for Defendant Phone: (717) 234-4583 Fax: (717) 234-3650 Distribution: Prothonotary Lawrence J. Rosen, Esquire, 1101 North Front Street, Harrisburg, PA 17102 Harrison Ross Byck, Esquire, P.C., 229 Plaza Blvd., Suite 112, Morrisville, PA 19067 CA~AC PRAECIPE FOR LISTING CA5E FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the`--aex Argument Court.) DECEMBER 15 2010 , ~,~~ ~~ ~ r~ CAPTION OF CASE CACH, LLC VS. MICHAEL C. ARMSTRONG ~ ~ =.~ - ~ ; (entire caption must be stated in full) r =z ~ `~, r ~~ ~ ~. -,~ Q CACH, LLC r- , ~--+ o PLAINTIFF ""~ ~ -v ~ ~1 vs. ~~~ w c°~ ~ LL Y ~ rTt MICHAEL C. ARMSTRONG :~ tv DEFENDANT -< -' ~ -C No. 08-783 ,CIVIL Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defenda nt's demurrer to complaint, etc.): PRELIMINARY OBJECTIONS 2. Identify all counsel who will argue cases: (a) for plaintiffs: ALLAN C. SMITH, ESQ. 229 Plaza Blvd., Ste 112, Morrisville, PA 19067 (Name and Address) (b) for defendants: LAWRENCE J. ROSEN, ESQ. 1101 North Front Street, Harrisburg 17102 (Name and Address) 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: December I5, 2010 d Signature ALLAN C. SMITH, ESQUIRE Print your name PLAINTIFF Attorney for Date: l o~ ~. /~ INSTRUCTIONS: 1.Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. Harrison Ross Byck, Esq., P.C. Attorney I.D. 61511 229 Plaza. Blvd., Suite 112 Morrisville, PA 19067 1-888-275-6399 // (215) 428-0666 Attorney for Plaintiff CACV OF COLORADO, LLC 4340 S. MONACO -- 2ND FLOOR DENVER, CO 80237 Plaintiff, vs. COURT OF COMMON PLEAS CUMBERLAND COUNTY MICHAEL C. ARMSTRONG 621 POPLAR CHURCH ROAD CAMP HILL, PA 17011 Defendant No. 2008 - 0783 CERTIFICATE OF SERVICE I, Allan C. Smith, Esq., of full age, certify that I mailed a copy of the Plaintiff s Praecipe for Listing Case for Argument regarding the above-captioned matter upon defendant(s) MICHAEL C. ARMSTRONG by United States mail, postage prepaid, on October 29, 2010 at his/her attorney's address of: LAWRENCE J. ROSEN, ESQ. KREVSKY & ROSEN, P.C. 1101 NORTH FRONT STREET, HARRISBURG, PA 17102 Date: October 29, 2010 Allan S~th, Esq. Attorney I.D. No. 204756 CACH LLC, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA VS. CIVIL ACTION - LAW NO. 08-0783 CIVIL MICHAEL C. ARMSTRONG, Defendant IN RE: ARGUMENT COURT ORDER AND NOW, this 9th day of December, 2010, the case listed above has been stricken from the 12/15/2010 Argument Court List due to the listing party's failure to file a brief in accordance with Cumberland County local Rule 1028(c)(5). BY THE COURT, Kevin . Hess, P. J. :> c CS o -n mF -0 <,/3 rL7 rri CD-n > X .. .?.? 1 ?i --i N -C --j -+C of co,h lnavid 1�. BueCC °p Renee 2� Simpson prothonotary lst Deputy Prothonotary ° f -trews 2.� >�� z o r; Kirks. Sohonage, ESQ V :� _t Irene E. Morrow Solicitor „so 2nd Deputy Prothonotary Office of the Prothonotary Cumberland County, cPennsy(vania ©� _O !g 3 CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 29TH DAY OF OCTOBER, 2013,AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE-THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P.230.2. BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square • Suite 100 • Carlisle, PA 17013 • (717)240-6195 • Fa, ,(717)240-6573