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HomeMy WebLinkAbout10-4057IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COVER SHEET Plaintiff(s) Portfolio Recovery Associates, LLC n Case Number: ~Q - 4~~ l~tVl ~ assignee of CAPITAL ONE BANK NAl _ _ ~~'N 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 NA/ (Name of the filing party) Vs ^ Counsel of Record ^ Individual, If Pro Se Defendant(s) Name, Address and Telephone Nu~ber:~ r ~ :, MATT SHADOW 422 BROOK CIR . _ ~ ; •, _-a PA Baf=~9~fl55 f ' ie A Br w Es C ; -~, arr o n, q., . MECHANICSBURG PA 17050-4621 Robert N. Polas, Jr., PA Bar 2}1259 -w -~; ~~; 140 Corporate Blvd. r -: ;_ `' ' - ; ~ ~, Norfolk, VA 23502 ;. , ` Telephone: 1-888-428-8102 ~~~ ,•: ~; r.~ =< Attorney's State ID: Attorney's Firm ID: ~ga.oo Pp p~ ~~- ~ shut isa~ ~~ ay3g58 This cominunicatii»t is f`rc~n~ ~~ cle [~t collector is a~1 attempt to collect a ile;bt. any i~~fr~n~~ation obtained ~~-ill be. used for that p~rrpose. Carne 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: 757-518-0860 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 No. Plaintiff v. MATT SHADOW 422 BROOK CIR MECHANICSBURG PA 17050-4621 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 WTTH 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 T'lti~ coxnrnuuicatiott is front a debt collector ~s an attempt to colleri a debt. Arty ittfonttation obtained ci°ill be used for tlt~t purpose. 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: 757-518-0860 Attorne 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. MATT SHADOW 422 BROOK CIR MECHANICSBURG PA 17050-4621 Defendant NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar action dentro veinte (20) dial despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o obejciones a las demandas puestas en elate 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_l~is communication is from a debt collector is axe atturnpt to collect a debt. G~~lv infon~aation obtai~ted ~tizll be used fc7z` that pux~ose. 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 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. . MATT SHADOW . 422 BROOK CIR . MECHANICSBURG PA 17050-4621 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 MATT SHADOW, is adult individual with last known address of 422 BROOK CIIZ, MECHANICSBURG PA 17050-4621. 3. It is averred that Defendant was indebted to CAPITAL ONE BANK NA/ on June 9, 2009 with account number ************1957 (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. 'I'bis cc~nnnu~tication is Pram a debt colle;etor and. is an attempt tc~ collect a debt. ~~n}, informatics}n obtained v ill be used. for that p~trposi;. 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 October 3, 2008. 8. Plaintiff is the purchaser, assignee and/or successor in interest to CAPITAL ONE BANK NA/ and Plaintiff is how 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 $3,292.14. 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, MATT SHADOW, in the amount of $3,292.14, plus costs of this action and any other relief as the Court deems just and reasonable. 09-12072 ~ ~~~ Carne A. Brown, Esquire # 94055 Robert N. Polas Jr., Esquire # 201259 ~r Thi4 cc~inm~unicatiE»~ is Pram a debt collector is a~~ attempt Ca collect s debt. An~~ i~~fbrn~atiort obtained w-zll b~ used far that p~rrhosc. PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************1957 MATT SHADOW Account Holder: MATT SHADOW 422 BROOK CIR MECHANICSBURG PA 17050-4621 Consumer Account Product Code: VISA Issuer: CAPITAL ONE BANK NA/ Assignee: Portfolio Recovery Associates, LLC Account Number: ************1957 Date Account Opened: March 16, 2006 Date of Last Payment: October 3, 2008 Date of Charge Off: May 9, 2009 Balance at Purchase: $3,292.14 Purchase Date: June 9, 2009 Claim Amount: $3,292.14 Less Payments: $.00 Balance Due: $3,292.14 '1'hi5 cc~s~~nxz~zz~ieation i5 f~~om a debt collecioa~ end i5 <~n attempt to collect a debt. Any iztfotn~atio~i obtained will be used for that puipcre. 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 Boulevard, 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 NAI ("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 are 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 June 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 MATT SHADOW ("Debtor ") to the Account Seller the sum of $3,292.14 with the respect of account number (************1957), as of June 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 $3,292.14 . Portfolio Recovery Associates, LLC B . Kel M. Roberts, Custodian of Records Subscribed and sworn to before me on ~ of , 2010 Not ublic ,,,~,,,, Lucretia Etheridge ~Y Commonwealth of Virglnla Notary Public 09-12072 Commission No. 7642513 4`"" ""~ My Commission Expires 4913612010 `['his unication is ~ rs an a e~npt to collect a dLbt. Any infc~rmatic>n obtained will be used for that purl~t>se.. PORTFOLIO RECOVERY ASSOCIATES, LLC ME TO Cp-PTTAL ONS We ea+e pleased ro open Your credit acoouflt This Agreement aa>>mos iofar»adoa about your aocovu, oft. _Pl1e~as~e~ ~el~l~d~it~and Jmap it far yar r~-y . in t~is~Ayg~reemart woods I`^`p~ 7v`rIN Bad •Y~aaM ~ tp 4~7 pew NW a~Qed Tlx application and IID aay006 ebe who tarR.a,,,>,l.a~i axant in +mY way. ThE Wa+da MWe", "lla", "aa," IDeBn "~!"~' One Beak and TL4 90004RSOfS err > Wa ~ desiay emfore;ing as ~ tender this Us(np Your Axatni You can mdoe ptachesee and obtain cash advances C¢ ash advances acre an option sor you aaotatt) by ~ Your card, accattm nctmber, and arty aoco®t acaas dteda (mdtrdiog Purchase ~. Convaoieoce Credo. Spector TranrJir tarecJa sect other aimSar chedca) that urea relay seed >Q you Whin we provide You with acootmt trt~ cltedat, wa wdl toll you wl>aher thry well be treated as pcafiasm, cash advatscm err spedal ttatmfers. Unkas vve bell You otlterwase, Ceaverrieoco t~ ~ always be trteated as cash advances. You agree that we are ant r~bk if ats}aane reLaas to honor year aooomt: If yon do r,a tree your sccaunt, You tiny enact ;t by retumiag rare and(s) and aooouot a«x~ daeaa m m vvidtin 3o dt-ys attr:yourexeivethem Cash EqulYalent Transadiorts. If ash advaneea are an option fa you accottor, yon am tree yea aoowaa m purdma items that are directly coarvanbk ib cash. Thera ash equivbiestt ntmsaaioro will be treated es ash advances acrd well be 6rlkd m tiro ash advance segment of your aocouut. Cash equivalent tramactiom itchde the ptadaae of wire hsmafer mortar ardeYa, bats, lottery tidoets, casino gaming chips, and otMr simfier products a aavicm. Your Credit Lima You agroe to make purt~ea a obtain ash advaoaa only uP to your credit limit if you have did'iermt audit limits for difiiermit segmwla ofyota aeootmt, You vviU be informed of the aedrt limits on you periodic atatemact We may damge yea aedrt tanit at atry Bane, may lkilt the amount that is avarlabk Sx ash advances, or may etcchde atsh advarcas ea~ely lean your accara~t We may honor atvtactiom m ezcasa of Yar;emdit limit and those iransaetioa will ba covered by this Agreement Making Payrtaents. You pranisa bo pay ~ all amoctnb due reaultiog from the use of yore aaoua, iocktd'atg atry 5nana: efterges and other ~ due ttndar ~e berme of dtia Agreanent flayrrtenta must be made is US. dollaas. Paymaabs tnfde by a ttagotiabk such as a chock or a moray order must ba in a farm acxpisble to tim a~ be ckawa m eU.S. fmaocitt won. You must pay at lead the tttittimtm payment shown on yea stademwtt. However. you may pay maro thin the muriaan payrnaat or pay the balance in lull In tt~ exae, Saanoe ~ well earttitrcto b ba assessed eitttiog billing Periods that You easy a balancer regardless of whatha or not your staeemeat ahovvs a minimum 1 fie. We exn ecaTt lame paymema or partial paymeris err chec]a and money ottiera matkeed "payment in full" err other sitniler letrtgoage withota loshtg soy of oaf tinder this Agteemeat oia rira>tt>b receive padmmt frm 5t-. Periodic Statarrerit Fact motnh rat have a balance is your account, we vviIl card you a ala0ematt slawurg all tramactiom billed b your aexotmt dtaing the bt71mg patted. 'IL~blltieg pexiod n the lima tiara oa ataberrtmt c~B dabs tlaotrgh'6bd.iocittding tiro read ataberaent cbsiog data. The smtem>eut cksing doe debermiaea the month of a specific btllmg period. Fa e>ontepk, yaa Janmry billing period is the btllto' g period weh the staberaot closing dicta m Jaanay. Finance Charge lMorrrtaHan. A brminrran Firuaroa CYkvga For each brl!'mg period that Yea acootmt is subject io a fiasnm charge, a mk®ttm t~l tip charge of 50.50 vnll be imposed, If the total fi~ therga ~g lean ~ aPP Y'om' I~ rate(s) is less thtm 50.50. we will subCad ihat amount from the SOSO mitrimum std the difiismce will be bt7led b dte ptarhese segment of yea ae~otan. B..faruLeg F7b+orres C)amge. You may not avoid tioeooe t~ge en cash advances and special transf'trs. You may avoid 6trmce ~ ~ ~ Pte, ~+' purci~eam, and on aaw other chatgp by paying the total ttaw balsooe b Sill prior b the date year paymatt n due (this is b grsa period on new purchases). If you do not pay the eatiro raw balance San the Ut;c~o>~~rC ~•jCI,~C.rrAt'ccr• oolr3-ll previous monthly statemeoy Seneca dtarge wt11 acaue on the entire pravioto new balance from the Srst day of the new billing period. Finn amna clter®e, whin applicable, will be ~ asaeasad as 1tilklVYa: • Tran+actiom mode during the torrent billing period: fiomIIamecdon date. • Undaterl htnaaC6ans and trensacxioaa IDade vvlth C~VCa1t11a6 Gbed6: 5'Otrl the dale the traasectieti is proaseed to Your accaatt • Tramactiam made prim m the cmrreat billet' g period: from the fast cxlerdar day of the easraft billing period. C Psrlodic RaGac We deaermioe the dally Periodic rtae by dividing the avant parentage rate by 365 (if Your billwg addtma vtbm Yon opined Yea accotmt win in IA or WI and you Nava not used yea accotnt a>btr IW3 U'98, we use mo~hty periodic robe debermited by dividing the ammt perrerrtage rem by 12), and mcadntg it up m the nettrrst U1000ih of 19i. The robe may be diffieraod for esdt sesgme~at of rata accoctat (eg anh advance, purdtese, spex~iat pur~ese, afld spexiel tramfex if applicable ~r rots aaootat} Yon were tokt the dear perwdk rNds) when Yin ~ Y~ aaaaot if yotr aatottat has an iotradtrcbory rate(s), the rule(s) wID amain in e~oct ttokeu you era 30 days err more late in melong a payment a are ovtrlimit in which case the periodic rstegs) may be dter~ed >b the posti~aducbory rate(s). Tf ary odor rate ~ are made ~ Y~ +~ ~& Yin will be advised of the crew cart. D. Caladaoitg Finwxae Clemge We calculate Smote charge each day by mtr~lyiog tba balance of each segtneat of you aocamt (eg. cash advance. purchase, speaa! tturchase. and apeaal tramfer) by the darly periodk rate(s) that has hem previously disctaad >b you. Fach day during the bitting cycle, we apply the daily periodic robe for each aeBma>t of yaa acooratt to the daily balance of each segmeox. Wa then add up the remiltt of these daily a-ailetiam ib arrive ~ your Dotal periodic Snmtce To gat the se~erate deify balanas for each aegmemt of your accamt for rho aureot billing ayak, ~ say we take tite aeparata btgimiog balrara ~ eac3r segment and se>prabely add etry uaaections red eery periodic 8oaoce ehergm alatlated on dra prwiocas day's bslstco far each ae~tnesrt We thin subtract mY l~ a antes pasted as of that day that are alloated beach segment This given us the separate dsrly balances for inch segment of your account. However, tree daily balatxx free purchasm is oonsidaed b be urn for eaeh day of the artrmt btllmg ~ if You paid hm 6tIl the Nov 13altma;, if any, shown m yar ptteviow statement (or if yea New 13slmce win urn or a audit amoue>t). If your billing address when you opined your aaxaaa was in IA a WI and you have not used yea aoexmot aRer 1013U98,1ntma eharge is figctred by aPP1Y~g a matahly periodic robe b the average daily balmca of your .~~ li Varfatils Rata. Where and when vsriabk rases apply to your account, the role(s) tiny vary tnt~ly based on is the highest Doe (I) morYh l.oodan Interbeoic Offiered Rabe (L1BOI~ publahed k 4se "Money Rates" section of The Mail Street JorPnml an the Sth day of each ntaMh, err if not ptrbtished on that day, on the moat teceat date of pubiicatioa prig b that day, arty dtetrges will be eilfoative whh yea Biltir~ Period ending the following a-otdb. If the periodic rate(s) astd wrrespandarg anntl8l perrerilage rate(s) ascrtsse, the 6mt-a Chfaga Wllt ioasase end you matiaarm payment may be greabx. F, Cash .ldvmiaa Fait F7rmoe CYwage. If a cash advanae ttx applies b yea aooouot, ytw was told the Sx wham you opened your aaxatot. Tb foe well bo charged each time you obtain a ash sdvana and xrill be added b the ash advance aegmaa of your accottot If the fa is dantged attbsequaot b you accasa opaaiog, you vrid ba advised ofihe now lea Outer Charges. The folbw®g dtargea may be billed b the ptacltasa of Yea aocouot isle tdnrge if we do sot rteaave Yoe payment: in time ter it b ba aedibed b rota scootmt try the dm date shown as yar periodic afabernent (If yaa biilliag address CUS'i'OhIFR Ar:RFFYFNT This communication is from a debt collector and is an attempt to coiiect a debt. Any information c„~~-~,~ s....ry~~~~~..us~ci.f~~tltat purpose. was m IA whta you openal your aocatmt and you haw not coed yattr accotmt alter 1tX31/98, pnymmt mtmt be ttxtdved w~tin 10 dsya niter the due disk overly drtrge if your acoomt eteoeeds ifs e~igaed nadir limb, even if we approved ffie ovtutimit ameaot; ieunned check tdterge if a dbdc 3. ttetumed b m ~r any tesaort, a if we carrot htator your aoootmt tsaotas dteda far any reason; and ropYin6 ~ ~' aP~ ~ traosectiorn err atas~ma unlaaa ttigttirod Sur bii~ dispute reaoltrtitta These ~ wtll not be assessed ifyttta brlhsg addrms was it PR when year sooouat was opened or if your br"@ng address was in WI when your sooomt was opated and you have not used ytrnr aeootmt afia 10/31/98. Thor fen amounts was discbeed ro yon vrlra you apeaed yore ao~mt. if arty of Sxs ate dtmrged eaheequeat tD your awoaot opa~g yon wt7l be advised ofthe new bee. Membership fee. If year secotmt hoe a membaahip fore, ;< urea dncloaed tD Y~ whin Y~ oP~ I+'~ aonotut. Thor See w>1l be b01ed to the pterhase segtoeat of your aonomot Tf 9te fee is dtenged aubsegtreat to yotr aoootatt opemog, yon wtTl be advised of the Flours Offers. The teams of aayr firaae oi3er wifl be disclosed to yw at are time the aJla is atsda If you accept ea oBa, the lama wrll btxome elEective ' uokas atiterwise apeaSed in the ofl'a. Default we may ooasida you>A be in deem>tt larder thn Agreement i>? (a) yon fail to pay the toinmnm PaYmen[ an time, err (b) you exceed your onedrt limit. To ffie easeat pamined by law. you mry also be in defaah uada aria llgtemteet ig (1) you vb1Me any of dte other semn of this Agreanmt, err say of ate tams of any other egteemmt with m or any of oa afBGetea, or (2) yon made mY fabe or misleading afasemaMS on your eppiketioa, a (3) 6adattptcy or other imohascy psooeediflgs ate irotutteed by you err againt you. Alta you are is deiiralt (or a~ we give yin nay notice of or tight 14 cure the default if tegtdted by 4w), we may teetrict yea atxomt from new ttmmadiotta, err dose your sooomt and detttrod imntediete paymaa of the entie oatatandmg belwoe. To the exseat permitted by law. you agree in pay all ootat ooeb end oolkctim eegmmea iodated by ue in the oolbcfion oP any attwttot you awe m under tins Agteeaoeot Ifyou d~auk and we refit yattr aoooret Sur collection >b an attorney trb is not our salaried employee, ~ 8te exteffi pemritled by ~. You ~ Tn PiY teasaemble ~utaeys' !rtes. You abo egroe >o PaY mY costa we may inaa is relieving your md0. inchrd'mg any cosh we cosy inaa by having your accaast planed m a trae'icsed tis<. If You Close Your Aocamf. You an dose your eooant by notifying m in writing )f you dose yom sococtot; You must ah7l PtY au amomfs you owe m and wrll be rmpomble Sr nay dtargea that You attdioriaed paint to giving to your notice. Ifthere is a membership fee Sur ytea acoamt, >be See will continue >o be drarged, >b >be aslant pamitsed by law, uanllbe account behroce late boa paid it- gill. You must also rattan all cards end aooomt access dtedo m us. tmnal eel psemndra'iDed billing arrettgamrmb and erase teing yo»r aooomt ffyan want to stop an at~ltormed ma`s aooes to 1"~ ~~. You awst send m written notice along witlt the user's and (dmry) sad any eccamt sooeaa dtxb he or sb may hew. Ifyou ore tmeble>p rattan that person's cad sad account eooe~ daxio, sad you adviee'm in writing to close your aooomt, your aotormt w~l be closed end both you and the joint aecibokla, if ary, mry apply far a now seoane If we deee the aooatnt, yea and dre~ohrt ardholdee, if nay, will atin be liable, individcmlly aed tagega, for all amormmr drmged m your account VV U3-Y l fi We Cretcel YotK Atxourtt or Suspend Crtetfit t~ivlleges. we tmry at nay tiros, wffit err wiQtottt cause end advance notice,lermoase this Agreement andla tempaarIlYa~o~t~+ s~ you Credit ptrvlleges. Thu itr]ttdes, but is cot ~ioed to, sidartioas where yar hive vinlated 9ris Agreeareat a whore we ~nwe reason to doubt yota credittvot~ineas (1hr eampk, if Y~ Pas' m wilt in~iart flaria dtedta on mote then m ocasronsl basis). Your obligeitioue under tl$s Agreement continue alter your rights to obtain nadir have ban lamim0ed a ampeoded, we may delay iA eafoteing oar rights under thin Agteatreat wi8tart losing them. C-mttpee M Taints. we mry amend ~ dtaoge any pmt of ytror Agremra><, inchtding the periodic rases cmd other c]msgp, or mid a remove cequhemmfa at a~ time. If we do ao, wa vnll giw you notice if regnired by law of sods mneodmeot or dtmge. is in the emus! patxofage rate(s) wDl apply tp your aooouod balance from tire eliactiw date of ~e change, whe~er or not the aocou~ babtttce ittdaded items blued in the soowmt before the damge date and vvltgha a notyon onotimte to ttse the eooamt. to tea end other dteeges vn71 apply fn you awouat from Ste effixtive date ofthe dnmge. .., Appikabb" L9~r. '1'hia Agteanatt wtll be i by Vagntia ltrw and Fedora! 4vr. Set-er~abill~l. The inealiddy of any ptvvision of mh Agrammt shall not aiSect~eva5dity of airy other proviaieers. Lost or Stolen Ctttods a Ateoautt Access Checks. if your ardor ~ eoootmt eocme dtedrs me loaf or stoke a ffaomeaae el+e maY lee ~8 ibaa wimotR Y~ P~~, ~' m at once by alling the oeiephorse retmlta shown oa the fiont of your Periodic staeeme~s. Yar tiebHily fur tnten8taiaed tine of your ardor or acxotnt encase dreda well not ezoeed 550.00. You will not be liable Sur tmaumaciaedusethatooaaa atfser yon n~+tn. Your Bfi~y Addross. You ague >p give n9 wtilsm notice of any dmnge in ytsur b01mg addrreas at least 10 days before the dtmrge. (' may be writm 3n the apace provided on the remittance coupon portico of Yea' Periodic atasdroea< or may be' aeti b the following addttax Niel One, P. O. Box 85013, Ridenoad, VA 23285-5015. If yotr atxotmt is a joint a~ a ff mote thin one Pawn i, pantiloed to tine k, you egra ibst all notices regrading the eooorart may be sang solely to the address shown on ottr bt7Curg records Ctfrtpnurtieatlorsi. we may all you (using live opaatota, automatic dhdmg dev%cea, a recorded ) at home a vrorir a~ those a11s wrU not be caonaidaed taraolidbed. We may monitor or reoatd mry ally we tmlae a reaiva we may release imforrmtion to others regmd'mg Ute statue err history of your aecaart. we may melee inquiries of Chid partia+ in connection wtth g end colleaitg yotr aooouo~ and you authorlne such third parties iA ruse information aborrt you to tts. Cardholder Benefits. t~+dhoidv bemfm may be daatged or tamh-s0ed wffitoat notice. The bme5ls may be provided by third parties: we ore not liable 1hr such beuefm or Sur the aexitxrs or amiviorts ofthe tirid pmties. U.S. Curtttrxq. Ifyou rnaloa a purrbme a cmb advena is Soreiga aureary, the aamectlan wID be oanversed into U.3. Dolmrs Visa or 1,3mee<t'md reguletiom and Vi.4a a MasterCard may durrge pun a carvaainn See. The rate in efFect on the canversim dose may differ Sum $te rase used on the atmerrction dame. .r This communication 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, Kelly M. Roberts_lhereby 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 aze 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 aze made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: _4/6/2010 gy; SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson ~4, .E - 1 i.- Sherrff l~r ~ it i r .. .~„-, ~~'.~~ ~6~;,titr of Lu+r~br~~~~~ Jody S Smith ~~ ., ~_ ~; -~ Chief Deputy ~ ~ .~.~ LUIS .,:y i ~ i~,~ ~.~ c ,~'4 q ; 4~', ~. ~`t. ~, , Richard WStewart -~"~ dJFFICE ~ rr+~ S'-~RlPF ~., H Solicitor ~L~ ~ `~ ~\~ ~ ! ... _ ._ ' Portfolio Recovery Associates, LLC Case Number vs. Matt Shadow 2010-4057 SHERIFF'S RETURN OF SERVICE 07/13/2010 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Matt Shadow, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Matt Shadow. Request for service at 422 Brvok Circle, Mechanicsburg, PA 17050 is vacant. The Mechanicsburg Postmaster has advised Matt Shadow's new address is 262 Colownade Drive, Apartment 1, Charlottesville, VA 22903. SHERIFF COST: $42.00 SO ANSWERS, July 13, 2010 RON R ANDERSON, SHERIFF (ci CounySuite Sheriff, Teleosott. Inc. A It I Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Attorney ID # 94055/201259 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 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. 10-4057 V. o ca n MATT SHADOW -VZ a) m m _ ° = =! 262 COLONNADE DR APT 1 CHARLOTTESVILLE, VA 22903 n te -Orn cv Defendant r - ? ° ?co o -71 O n mo . rn PRAECIPE TO DISCONTINUE ? --. n To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respect Submitted, Carrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 ?- Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 (T) 1-866-428-8102 (F) 757-518-0860 Attorneys for Plaintif 09-12072 This letter is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Attorney ID # 94055/201259 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 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. 10-4057 V. MATT SHADOW 262 COLONNADE DR APT 1 CHARLOTTESVILLE, VA 22903 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Dismiss upon Matt Shadow, by First Class Mail, Postage Pre-Paid, a copy thereof on this day of December, 2010, to: Matt Shadow 262 Colonnade Dr. Apt. 1 Charlottesville, VA 2903 Carrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 ?-- Portfolio Recovery Associates, LLC 09-12072 140 Corporate Blvd. Norfolk, VA 23502 (T) 1-866-428-8102 (F) 757-518-0860 Attorneys for Plaintiff This letter is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.