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HomeMy WebLinkAbout10-4054IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COVER SHEET Plaintiff(s) Portfolio Recovery Associates, LLC Case Number: ~ Q - 4 ~" ~ 1..r t V ~ ~~~~ assignee of CAPITAL ONE BANK, N.A. _ _ 140 Corporate Blvd. Norfolk, VA 23502 Type of pleading: Civil Complaint Code and Classification: Commencement of Action Filed on behalf of Portfolio Recovery Associates, LLC assignee of CAPITAL ONE BANK, N.A. (Name of the filing party) Vs ^ Counsel of Record ^ Individual, If Pro Se Defendant(s) Name, Address and Telephone Number: SHARON L HOOVER 323 MANCHESTER RD Carne A. Brown, Esq., PA Bar 9655 CAMP HILL PA 17011 ~ PA Bar 2019 a ._~ Robert N Polas Jr . , ., 140 Corporate Blvd. ,~~~~': ~ Norfolk VA 23502 ' ~ _~ ' ~' Telephone: 1-888-428-8102 ~ :, Q` `- , ~~ -- ~. -~' _~~,_, ~ Attorney's State ID: ~ ,~ _. _,~ Attorney's Firm ID: \v ~Qa.oo P v R`rn/ e~I-sa~s/t8~~ 2'~` ay 3s~ `This ec3i~~.in.~rr~icatic>a~ is i~rc>n7 a del~t ec>llectt~r is an attempt to ec~llcct a debt. r~:ny i~~fc~m~atian c}btaincci will he used fc?r than purp~.~se. Came Brown, Esquire PA Baz # 94055 Robert N. Polas, Jr., Esquire PA Baz # 201259 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 Attorne s for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 No. Plaintiff v. SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 Defendant 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 of 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 NO 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. Lawyer Referral Service -CUMBERLAND County Bar Association Court Administrator 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717)240-6200 Pennsylvania Lawyer Referral Service (800) 692-7375 -l`l~i_~ commtuaicatioiz is from a debt collector i4 an attempt to collect a dcbt_ Aa~v it~font~ation obtained G~~ill be ~~seci {oz~ that p~irpose. Carrie Brown, Esquire PA Baz # 94055 Robert N. Polas, Jr., Esquire PA Baz # 201259 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 . Plaintiff No. v. SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 Defendant NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomar action dentro veinte (20) dias despues que esta Demands 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 obejciones a las demandas puestas en esate contra usted. usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mss aviso por cualquier dinero reclamdo en la Demands o por cualquier otro reclamo o alivio solicitado por Demandante. usted puede perder dinero o propiedad o otros derechos importante pars usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS ELGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Lawyer Referral Service -CUMBERLAND County Bar Association Court Administrator 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717)240-6200 Pennsylvania Lawyer Referral Service (800) 692-7375 l"leis communic<7tic>r} i frc~tzi a debt collector i4 a~~ ~ttctnpt tc~ collect. a debt. ,'~~~y infan~~ation obtained will he usc;ci for tl~nt p€~rpo5e. Carrie Brown, Esquire PA Bar # 94055 Robert N. Polas, Jr., Esquire PA Bar # 201259 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-512-0860 Attorne s for Plaintiff IN TAE COURT OF COMMON PLEA5 OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. v. SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 Defendant COMPLAINT 1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. 2. Defendant SHARON L HOOVER, is adult individual with last known address of 323 MANCHESTER RD, CAMP HII,L PA 17011. 3. It is averred that Defendant was indebted to CAPITAL ONE BANK, N.A. on September 9, 2009 with account number ************1769 (hereafter referred to as "Account"). A copy of the account history is attached here to and marked as Exhibit "A." 4. By using the Account, Defendant agreed to repay any incurred balances and/or charges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. 5. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. This con~~nunication is from a debt collector and is an attc;rnpt to collect a debt, .any inforr~~ati~>n c~btainecl s~>ill he u;e~J for khat p~~rposr;. 6. Defendant was provided with copies of the Statements of Account showing all debits and credits for transactions on the aforementioned Account to which there was no bonafide objection by Defendant. 7. Defendant was in default with respect to that debt for failure to make the required payments on the Account. The last payment made on this Account was on Apri120, 2009. 8. Plaintiff is the purchaser, assignee and/or successor in interest to CAPITAL ONE BANK, N.A. and Plaintiff is flow the holder of the Account. A true and correct copy of the affidavit is attached hereto as Exhibit "B." 9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of $2,254.96. l0.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, all to the damage and detriment of the Plaintiff. 11.The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff respectfully requests this Honorable court enter Judgment in favor of Plaintiff and against Defendant, SHARON L HOOVER, in the amount of $2,254.96, plus costs of this action and any other relief as the Court deems just and reasonable. Carrie A. Brown, Esquire # 94055 /~ Robert N. Polas Jr., Esquire # 201259 09-08667 'This comrnunica i~:~~7 is fian~ a debt colle cti~~r i an attempt to collect a +:Lebt, An} i~~fc~ny~ation c}brained 4t-iil be u;ei1 t~>r thai p~irposi;. PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************1769 SHARON L HOOVER Account Holder: SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 Consumer Account Issuer: Assignee: Account Number: Product Code: VISA CAPITAL ONE BANK, N.A. Portfolio Recovery. Associates, LLC ************1769 Date Account Opened: February 1, 2000 Date of Last Payment: Apri120, 2009 Date of Charge Off: August 26, 2009 Balance at Purchase: $2,254.96 Purchase Date: September 9, 2009 Claim Amount: $2,254.96 Less Payments: $.00 Balance Due: $2,254.96 ']..his coiuiz~u~aication is from ~ debt collector and is ate attempt to collect a dabt. Any ir~forn~atiou obtained will be used fir that purpose. AFFIDAVIT State of Virginia City of Norfolk ss. I, the undersigned, Kelly M. Roberts, Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: I am competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC, ("Account Assignee") which is doing business at Riverside Commerce Center, 120 Corporate Boulevazd, Norfolk, Virginia, and I am authorized to make the statements, representations and averments herein, and do so based upon personal knowledge and a review of the business records of the Account Assignee and those account records transferred to Account Assignee from CAPITAL ONE BANK, N.A. ("Account Seller"), which have become a part of and have integrated into Account Assignee's business, records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account aze now owned by the Account Assignee, all of the Account Seller's interest in such account having been sold, assigned and transferred by the Account Seller on September 9, 2009. Further a review of the records reveals that the Account Assignee has been assigned all of the Account Seller's power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the account records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from SHARON L HOOVER ("Debtor ") to the Account Seller the sum of $2,254.96 with the respect of account number (************1769), as of September 9, 2009 with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale. 5. According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, there is currently due and owing the sum of $2,254.96 . Portfolio Recovery Associates, LLC B : Ke 1 M. Roberts, Custodian of Records Subscribed d sworn to before me on ~ of ,,.~~,, N P lic ''4•,,, ~,•~' 09-08667 L, 2010 Lucretia; ~tf~<>rjd~;le CommonwFa to ~f Virginia Notary PubCc Commiss'or ho. 702513 My Commisslor =rp~~es 09:'3C 2010 "I"hip com€nunicatio~l is from a debt callectc~r and is an atte ~ pt to cc~~llect a debt. ,any inforinaticm obtz~ined «i3l be used for that hurp~:>se. PORTFOLIO RECOVERY ASSOCIATES, LLC CUSTOMER AGREEMENT ME TO CAPITAL ONE. We are pleased m open Yom' aedrt aooowt. This Agromtent ~ iofo®atiaa about your account Plane rail it sad beep it fzr your retarder lA thin Agit>e>vntt the WOtr1.9 "You"f "Yrnas" and "yaaa" reEa m ash persau who armed the BpPIiCaLOa and >D BRYODO Chas who 114a rife aceamt m nay WdY. The words 'Ire", "r>.s"~ "ow," mean One Bade and 'der successors or assign. We tan delay enforcing ow ~ under this Agaateot witlx»u ktsmg them Using Yots Aeedstt You can make ptadtasa soil obtain catch advances (if emh advances are an option for your accatmt) by using your card, exotatt atmtba~, and nay acattnt scan drecla (inchrdatg Purchase Ci>ab, Caolveoience Chedn, Spatial Transfer Chec]o sad other similar dreda) that we may nand m you. Whin we provide yet with account axes cbedm, we wry tell you vr6e~er tbey vnll be treamed as pnarJtaxa, cash advancer err spatial trat>afas. Unless we tell you otherwise, Canveaieoce C7>ecb vvrll always be trained as ash advances. You agree that vNe are net ralponsbk if argeoae refines m horror your aooottnt If you do not ace your concoct, you may emoel it by re4uniog yaw card(s) and socoum aaxn cdredo to us within 30 days a8c yon receive them Cash EquMakrtt Trartsacdons. if cash advelcea are an option for your accocmt, you an tae your acotxst m prsdrase trainer drat me duealy eanvesubb m cnh. These cash agtuNkht aamsctiorn wilt ba treated as ash advances and will be billed m rite atsh advance aegmem of yore eocotsd. t:hs6 etlrrivakat haoaacbom #rcltde the ptudtase of win ttaasfier money adera. beta, lottery tidoets, cnmo gaming chips, and other similar produtxs err aervioa. Your CretNt Walt. You agree m mains pttrchna or obtain cash advances only up m yaw nadir limit If yet have difr'erent nadir limits for dif~ot segtneuts of your acaadt, you vaill be iafortoed of the crodit limit on yaw periodic aratematt. We may cbaoge Your nadir limit at any dine, tiny Ihmt the mount that is avaihtbb for ats6 advattaer, or may etcchtde cash advaooea air from yaw axaa><. We may horror aaosetaiom in exaas of xora;aedit 1'uot and those traneaaiona will be covered by dun Ags+eanent Making Payments. You prardse m pay us all amotmts due resulting from the use of your account, htrJudiog my 5rranrx ~ and other charge due corder the te®s of this Agmaroeor. Paymertis aunt be made is US. dollars. Paymats made by • nsgotieble insarrmerrt such as a cheeJc or s nnoey ar+der~ must be it s form acxePtable m us and be drawn m a U.S. financial ioaiartion. You moat pay at least the eaisritmtm payment shown on yaw stamemerd: However, Y~ ~Y PaY more than the minimrmr payment or pay the balaox is fid1 in any case, fmtmce drargp: will ooutroue m be assessed during billing Paioda trial you atQy a balancer regardless of whether or not your atammreot ahmva a minmoum 1 ~ We am acxxpt lame payments or pectial paymeads or drec3ca and money orders marloed "paytoeot in full" err other amerlsr without ktsing soy of ourtighls under this AgrQearmt including our right m mceive paymart ®full. Periodic Sta>tierrtent Each month ymt Nava a bahma in your account, we vnll send yet a atatemeat shovvirtg eD >taasarxiom billed m your acootmt dwing d-e billing P~ 'B Period is the Liao firom one aal0errretrt claas-g date dsatghSod.;ochtdigg the seen atameroerx closing damn Tba sit cloafog data deoermira the month of a specd'>c billielg period. Far etracnpk, Yaur Jamrery billing period is the billing period wish the ataternertt closir-g date in Jttnraty. Rnance Charge IrNomtatlar. AarrtNtg F7rtm+a Ch~ge. You may cot avid fneoa cherg~e m A. 16fnrLtrran Finmrce t.ttarge. For ealdt billing period diet yaw aooaart fs subject m a finance charge, a mioimom total f~aoce charge of r;OSO will be imposed. Tf the LoW ttmmoe ~ F• resulting from the applipmion yaw Periodic rate(s) is ten 1h® SO.SO, we wviU subtract prat amotmt fran the SOSO mioirmtnt and the dilFermce wrll be billed m the putc~se segnxam of yaw axotad. B. U13~~~iLlr'2 ~~jCl,{(. ft"(;-i-lt.: O01i3-11 previous motildy , fszaoce ~ will acrnte ~ the satire pnviotn new balaoco firm rho fast day of the raw billing period. Firmer charge, when appliable, will be a>xasod 8a tbllnws: • Tramactiom made during the attnot billing period: tram Raasacaoa dale. • Undated trmnadiom sail hamactioa made with amveoierra checi~ from the dame the ttamaction is prooaved m your axourd. • Tramsctiom made prior m tha current billing period: from the first admdar day of the atrrealt biiliog period. C. ParfoOic Rates We detennfioe the daily Periodic rape by dividing the aauel percentage tame by 36S Cif yaw tilting addren when you opened yorr aawrtnt was in L4 or WI sad you have not teed your atxettot aflxr 1Q/d l~'98, we ten moodily petiodie tame determcted by dividagI the attatral percentage rata by 12), and mnmding it up m the nearesm ii1000dt of iii. The rate may be dif3irsat for adr segment of yaw account (e.g. cnh ~'+~, i> pmrhna, sail spor5al tramfer if applicable tar yaw aocouat~ You were mid the lily Periodic rate(s) whin You opined Your aocou~ If your axamt has ten iotrodncmory tame(s), ricer rate(s) wilt tanaim in effiea rwlan you aro 30 days or mace lame is malting s paymrat a are overlimit in whidi cane the periodic tame(s) may be chartgcd m the poatinnodttctory rate(s~ If any other Cato are made subsequenm b yaw axouat opemg. you will be advised of the new rape. D. Catcartahgg Fbtancs CJavga We adarlaoe finance chsrgle each day by multiplying the balance of each aegmloeam of your acootmt (erg. a+sh advance, pta+r.hase, apeciel tom, and apocia- tramfisr) by the dmly Periodic lane(s) that hen tern previaaly disclosed 1p You- Badt dn)r dating the billing cycle, we aPP1Y the daily periodic tame for each aegmau of yore atxaatt m the dairy balance of each aegmest We thin add uP the tesrt~ of these dilly cx{adations m active at your mtal periodic finance Te gist 1ha sepaaM dally balancers for each segmer-t of yore account fnr du aurmt billing cycle, each day we take the aeParame begs bahtrroa far eedt aagme>a and separately add cry trsleeaions sod soy periodic frnana charges atlalamed on the praviass day's balaoa far each segateAt We then subtract any paymater err aexbta pasted as of that day that ire allocated m ach a~mmtt This give us the separate daily balances for each scglmau of your account. I'Iowever, the daily baba for putehasea is ooasideted m be arc far each day of the accent ~B ~ if yon Maid in full the New Balance, if say, ahovm on yaw previous atatetaeat (err if yarn New 8alaooe was am a a audit amoum} If yaw billing addten when you opared yaw aaotmt wan in 1A err Wl and yon have not used yaw aooaug a@er 1013 U98, £uumce chvBP is figwed by r~YirB a mimfhly periodic rata m tyre average daily belaae of your aabrmt.excludiog iinanra cbsaga Variable Raps. Whore and when veriable camas aPPh' m Y~ accourC, the rate(s) m4Y vary mom based on chattga is the highest oa (1) month Landon hrmerbanlt Owed Rne (1-IB01Z) publahed 'err the "Hooey ltamm" section of Tfx Watt ~ Jaetral m the Sth day of eadt mnnflr, or if not published on that day, on the moat tnceom dams of publicadm prig m thtd day; any dtangp will ba efl~w wiflr yaw Billing Period coding the Solbwutg month. If the periodic taro(s) and correapooding amual paeadage cane(s) inaea~e, the finance drarge will inaease and yore mioimnm payment may ba gteamer. Cash Advance Fss FtKmxae ~. If s cmh advance fee applies m your atxortnt, you was mkt rite fin when you opined yes aocotatt. The fx vnll be charged ach time you obtain a arsh advance soil wrll be added to the cash advance seglamt of yaw a If the fin is tiaoged attbaegoem to yaw axatnt opening, you wid be advlaed ofthe caw fig. rash ndvaaaa and spedsl ttam6as. Yon may avoid ~ Outer Chargers. The following cLar®m may be billed m the charge on aavv ptschasee, new speaal prnehaaa, rend on now pureJtaae segment of yaw accotrtt late chxge if we do not receive ~ ~8a by PaY~B the total new balance in full prior m d-e Ya+r PaY~t io lima for it m be aedited m yea aoootmt by the dace your payment is due (thh is the grace period on new dun dame shown oa yaw periodic s (If yaw billing edd<aa P~~)• Ifs ~ ~ Par ~ atria ~ ba~Ptl~RPll~9rritlnic°`..i~~ is from a debt collector and is an attampi ~• ~tac+ a debt. Any information obtained wit; +Ja used for That purpose. (a.Wr.ee w ~srene) GntW Oae b a tervke anic "tCaa~.i n.. m.....ia f`...w..._N.._ was in U when You opexxd yar aex~ sod you have not aced you atxxnmt after 10I31N8, payment must be teceived with9a 10 days afiar the due date.} overlhak dratge if your eocotad exceeds hs assigned aed't MniC even if ae apprvVed the avelhnit eraotmt; refisned edradc datg~a if a check is tetoroad tin ua bbl tiny teasoa, u if we tamot honor your accout stress dtxb fa trry remora; soil copying dtagee for ehtpfiata copies of htmaecdoro a ankss texprited for taThog diapuEa teaoltisiotr. These datga will floc be assessed if you 610mg address was in PR whin your aotootmt was opened ar ff your btll'mg ada<ea west m wt urban your aooond was opened sad yeses have not seed yonr aooomt atirr IOIi 1198. The fee aenaab ware dreebted to yet whoa you opened yes account. lfaay of these fora are damged aolaegned m Y~ aocotnt ~ Y~ wt71 be advised of the claw fee. lNentberahlp Fee. if yattr accoemt has a membasbp fee, i< was disclosed to yon when you opined yonr acvomt The fee will be btlbd to ills pnsrlase of yar tteatmt If the fee it dattged subsequent m you acaotaut opening, you win be advised of the Future ONera. The terms of erry fitttn o15ar wffi be disclosed in you at >be dine dre otir is mails ff you aoixpt as o~rr, >be teiaa wiR bexxaae e®ective tales, otherwise specified in the offer. Default. We may oomidayou b be m defiant tinder dd+ Agroemeat if'. (e) you fail m pay 1ha tn~tmm payload an time. or (b) you exceed you aedrt >Tmit. To dta eedart P~ by ~'~ Y~ »a5' ebo be in dafeah order this Agteemrot iE (1) you vioLSe soy of Bee oilier tame of dri, Ag<eaaeat, a say of 16a farm of say erdaer agtaanaot w~ ns ex eey of ou alBlirDea, u (~ yon made say fiche or taislmdiog atatemem on yeonr apptiatioe, u (3) baalo<oppy u other ®solveary ptnexedm~t ere iaslihied by you or ag~et ycu. After you see is defimh (or afiar we give you any accts of or tight m taro the dafavlt if togoeed by lave we taay restrict yats aoeant from crew tranardorn, err dose you eceotet sad elenteod itaaadieee payment ofthe scabs outsleodiog talents. To flte eoda~t permitted by law, rat agrees m pay ad coat coaFa sad aoUectiaa expertses ittaated by us in the oollectioa of aegr ataount you owe n under this Agreement Ifyou dedmtk sad we afar ynu aaxatat fisr oollectkfl to an attotoay who is mt ou serried moployee, to the extrat permitted by law, you agree to pay tbb atmrneyd' fees. You ahb agree to tmY ~Y exastr we may ioar ifl redieviog 3'~ a'd*, ~d ~ costa we taay ~ by havinsyax aaaiotplecod em atealricted fist ff You Cbss Your Accourt. Yon as close your aooatat by notiYyieg n ifl wridag. if you done you sooant, yon ttant adll pay ail amounts yet owe m and ~ be teepotnlble for any dnrges that you at~orimed prior to giving>m yextrttotioa. Ifthere is a membaeAip fee for your aoootmt, the fee will asntme to be datged, to the ammt permitted by law, mrtl the rccamt beimoe has been paid is firi1 You must abo sedan all ands and aooo+at access drecla m us, aa>od all ~~~~~ if yet wort in atop as eulhorlaed mar's sores to you soootatt, you trtrat acrd m written twdoe along wNhthe user's and (if say) and say accoud access dtedo he or she mry Nava Ifyou see naebb eD talon that paaotfa cad aed aocant access d>edar, and yon advise m io wridag to close you socoraa, you aooamt well be closed soil bo>ti yar and the joist cardholder, iP~ay. may apply for s new acaasot If vre close the sooorat, yon and tha~oiot ardholder, if say, will still be tiableti individueiEy sod together, fix all amount rLaged >b you accmmt. W 11.1-L 1 R Ws Cannel Your Account ar Crodit P~ivilegss. we tray at any tune, wilt tx wi9toud cease soil edvanoe »otia, teetnaata grit Agreesaat ardfor Y~Y suspend your aedit privikgee. 7Lis iocmdm, but is not Iiroited m, aitmtious vrhae yon have violesed this Agisameot or vdrete we LaNa nsnan to doabt yvu ~ (fix examph, ifyoa pay os wie< insatrCiad ~ dterb on snore San m ooasio~t btan). Your obfigatient coder ilri: Agreemart cantimta albs yes right m obtain aedic have beer teemmeted ar anpaoded, we may flaky in etoforcmg ou r;gbls nndar this Agieemeat widrad losing them. Cfnuges h Tattns. we may ~ a eLmge any part of your Agteentmt, iadadaog the perbdic tacos sail olhet dnrga+, es geld a temoMa tequnemeda at any lima If we do so, we will give you notion if tegnied by law of aoch emadmeat or ~. Cheoget to the a~el peroeda®e teste(s) wgl apply tD you soooud bahaax from ~ ellbcxIve dais of ~e d~4 vvhel)br ar not the aaxrtd babmce iududed Venn billed to des aocottnt before the dteogc dde and whefiree u act you oatainne b tna the aooaud. l to firs sad offer ewes will apply m you socatot firm the etltctive data of>Sre daogs. . AQpikxibls' 1>sli: This Agees+x~ will be govased by Vitgit~ law sad Federal law. Ssvend~Nll. The ittvaliddy of any ptnviaicn of this t#gr+emteat shell cwt etlild the valielity of any other provision. Lost or t`tolsn Cards a AooaaK Atxsss Chsck~a. if you sessile or acoant access e~eclos see loaf err stolen err ifsomeoae ebe may ~ ~ thece~ wiDaaR Y~ P~~ ~' us at cats by sailing ilea tekplwois ttumbar Shawn ao the float of year periodic ataeemetds. Your Iiabt~'ly for tnettQtorieed tae of your cads tx acooud access dtecb vrIR tr>< etaceed 550.00. You will not be liable for rmartmoriaed use dal oo~vea efier you tx>dfy us. Ytwr BNIMtp Atidtaae. You agroe to give m written antics of arty change in you bilftag addnss at least 10 days befixe the dattga ttaty be wt>tEm b des space provided ~ the temittaace coupon portion of you peeioefie teeeement or may be sent en the fe>Ilovriag addte~ ~ Oaq P. O. Box 85015, Ridrmoad, VA 23285-5015. Ifyou aecart n a jokes account or if mare than sae person is penn9led to use it, you agree tint all ttoticea t~prdmg the accarrk tiny be bad solely to Are addrem shown oa our brTiag tecardt, Ctlmmutticatlon's. we mar ~ Y~ (~ ~ aatometic dieting devices, Q recorded taesseges) at ham a work sad those cells will not be ooosidaed tamulicited. we may rno»itor a tecard aagr sills we tatdoe of roxnro. we may reieme mformrrtion to rt8aya t+egatd6ag the scads a history of yes aooamu. wa stay tmloe irrrle>Qiat of thW polies in oomreexian with sad enliectitg yes aoooaad, sad you ate ands drird patties to telene iafotmetim about yon m us. Cardholder Betraflb. Catrfitolder bene>fm taay be daaged or tetmmesed withort tfatica. The beras8ts may be provided by third parties: we Are sot liable for arch beae8ta or for the ergs err anriaslcta oftlretbird parties. US. Ctstenty. Ifyon tnalee a purc>tsre a• exsh sdvaaoe m fiuei®v anreacy, the hasacdoa wID be exnvated ido U.t3. Dotlas using Visa or MalaCad regtriedooe std Vas or Mesoatyrxd tnay ~ you a c~atwarsioa 8se. The rata hz ed5ect oa the oonvaaioa date nary elide $omthe rate teed an Bic IItmsac8oa dace. r This eommunieatlon Is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Kellv M. Roberts !hereby states that she/he is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her 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: 4/6/2010 By; IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, VA 23502 Plaintiff V. SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 Defendant Date: No. 10- 405q Civi(T&* PRAECIPE FOR DEFAULT JUDGMENT F t q ?1= c' '? Filed on Behalf of Plaintiff - Counsel of record for this Part > c` y f'? 4-7 Robert N. Polas, Jr., Esquire, #201259 Carrie A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 (T) 1-888-772-7326 (F) 757-518-0860 Attorneys for Plaintiff 414. oo P P #Nr / 6,131 c0rq P# a?f87?7 N.ofiee MoAd This communication is from a debt collector is an attempt to collect a dent. Any infoi?rnation obtained will be used for that purpose. IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, VA 23502 Plaintiff No. V. SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 Defendant PRAECIPE FOR DEFAULT JUDGMENT Please enter Judgment in Favor of Plaintiff and against Defendant, SHARON L HOOVER , for failure to answer the Complaint. (X) Amount Due $2,254.96 Less Credits $.00 TOTAL $2,254.96, plus court costs and statutory interest from the date of judgement (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to PA.R.C.P.237 (Notice for Final Judgment or Decree), I certify that a copy of this praecipe has been mailed to each other party who appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P.23 1. 1, I certify that a written notice of intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of record, if any, after the default occurred and at least ten days prior to the da f the filing of this praecipe and a copy of the notice is attached. P Date: Robert N. Pol, Jr., Esquire #2012591?- Carrie A. Brown, Esquire #94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 (T) 1-888-772-7326 (F) 757-518-0860 Attorneys for Plaintiff This communication is from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATE, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. 10-4054 V. SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 Defendant AFFIRMATION OF NON-MILITARY SERVICE The undersigned counsel, as attorney for plaintiff, herein affirms under the penalties of perjury that I am the Attorney for the Plaittiff in the above-captioned matter, and that to the best of my knowledge, information and belief, the above named Defendant, is over 21 years of age; is last known to reside at 323 MANCHESTER RD CAMP HILL PA 17011 and is not in the military service of the United States or its Allies, or otherwise within the provisions of the Service Members Civil Relief Act and its Amendments. Date: 09-08667 't ? r.- , "e-L-, Robert N. Polas, Jr., Esquire, #201259 Carrie A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 (T) 1-866-428-8102 (F) 757-518-0860 Attorneys for Plaintiff This communication is a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. PORTFOLIO RECOVERY ASSOCIATES, LLC Litigation Department 140 Corporate Boulevard Norfolk, VA 23502 Telephone 1 (866) 428-8102 Fax: (757) 518-0860 Hours of Operation: Monday through Friday 8 AM to 9 PM (EST) August 6, 2010 SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 09-08667 RE: PORTFOLIO RECOVERY ASSOCIATES, LLC VS. SHARON L HOOVER 10-4054 Dear SHARON L HOOVER: Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, Robert N. Polas, Jr., Esquire Carrie A. Brown, Esquire Attorney ID# 201259/94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA Attorneys for Plaintiff This communication is from a debt collector is an attempt to collect a debt. Any information obtained will be used for that propose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. 104054 V. SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 Defendant TO: SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 DATE OF NOTICE: August 6, 2010 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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. Lawyer Referral Service - CUMBERLAND County Bar Association Court Administrator -- -- - 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 240-6200 Pennsylvania Lawyer Referral Service (800) 692-7375 Robert N. Polas, Jr., Esquire Carrie A. Brown, Esquire Attorney ID # 201259/94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, Va 23502 Attorneys for Plaintiff This communication is from a debt collector is an attempt to collect a debt. Any infonnation obtained will be used for that purpose. Department of Defense Manpower Data Center Military Status Report 09-08667 Pursuant to the Service Members CNII Relief Act Aug-19-2010 13:02:21 Last Fi Begin Date Active Duty Status Active Duty End Date Service Name rstlMiddle Agency HOOVER SHARON L Based on the information you have turru hFd, the DMDC does not possess any information indicating th individual :status. Upon searching the information databanks of the Department of Defense Manpower Data Center, based on the information' that you provided, the above is the current status of the individual as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force; NOAA, Public Health, and Coast Guard). A . -E Mary M. Snavely-Dixon, Director Department of Defense - Manpower Data Center 1600 Wilson Blvd., Suite 400 Arlington, VA 22209-2593 The Defense Manpower Data Center (DMDC) is an organization of the Department, of Defense that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Service Members Civil Relief Act (50 USC App. §§ 501 et seq, as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating thatthe individual is currently on active duty" responses, and has experienced a'small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any mannerthat the individual is on active duty, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verifi cab on of the person's status by contacting that person's Service via the "defenselink.mil" URL htto !Amww defenselink milifac/pis/PC09SLDR htmi. If you have evidence the person is on active duty and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App.. §521(c). If you obtain additional information about the person (e.g., an SSN, improved accuracy of DOB, a middle name), you can submit your request again atthis Web site and we will provide a new certificate for that query. This response reflects active duty status including date the individual was last on active duty, if itwas within the preceding 367 days. For historical information, please contact the Service SCRA points-of-contact. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1) for a period of more than 30 consecutive days. In the case of a member of the National Guard, includes service under a call to active service authorized by the President or the Secretary of Defense for a period of more than 30 consecutive days under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy TARs, Marine Corps ARs and Coast Guard RPAs. Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps) for a period of more than 30 consecutive days. Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. Many times orders are amended to extend the penod of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of SCRA extend beyond the last dates of active duty. Those who would rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected. WARNING: This certificate was provided based on a name and SSN provided by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided. Report ID:3Q37MH7580 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, VA 23502 Plaintiff No. V. SHARON L HOOVER 323 MANCHESTER RD CAMP HILL PA 17011 : Defendant NOTICE OF JUDGMENT (X) Notice is hereby given that a judgment in the above-captioned matter has been entered against you in the amount of $2,254.96, plus interest, on. (X) A copy of all documents filed with the Prothonotary in suppo Zf kke within judg ie t is/are attached. By: Date: If you have any questions regarding this Notice, please contact filing party. , 1C) /I.- Robert N. Polas, Jr., Esquire # 201259 Carrie A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 (T) 1-888-772-7326 (F) 757-518-0806 Attorneys for Plaintiff g1a4l10 This communication is from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose.