Loading...
HomeMy WebLinkAbout10-6221Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie A. Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 7 0 t°°i C' TA t, .7.. 140 Corporate Blvd. Norfolk, VA 23502 P 9 c, TELE:1-866-428-8102 V FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY 140 Corporate Blvd. Norfolk, VA 23502 ASSOCIATES, LLC No. / b / 1 I V. BRENT SAVILLE 27 MOUNT ROCK RD NEWVILLE PA 17241 Plaintiff 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 withing twenty (20) days after this Complaint and Notice are served, by entering a written appearance, personally or by an attorney, an 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 NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. 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 00 fi' 01- 6011 G?? 33y? S Robert N. Polas, Jr., Esquire PA Bar # 201259 9 Carrie Brown, Esquire PA Bar # 94055 / Portfolio Recovery Associates, LLC This communication is frorri a dobt collec'toi- acrd is are atterrtpt to collect a dobt. AnN infoz oration obtained will be tised for that purpose. ? 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. BRENT SAVILLE 27 MOUNT ROCK RD NEWVIILE PA 17241 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 accion 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 esate contra usted. usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. usted puede perder dinero o propiedad o otros derechos importante para. usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO 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 _ his cojiiniunication is ti-om a debt collector and is art atterript to collect a debt. Ariy infor-rrration obtained will be used for that puij)ose. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 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 V. BRENT SAVILLE 27 MOUNT ROCK RD NEWVILLE PA 17241 /j, 60-11 cpv-,71 fa^ Defendant No. COMPLAINT 2. 4 5 Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. Defendant BRENT SAVILLE, is an adult individual with last known address of 27 MOUNT ROCK RD, NEWVILLE PA 17241. It is averred that Defendant was indebted to CAPITAL ONE BANK, N.A. on with account number ************8295 (hereafter referred to as "Account"). A copy of the account history is attached here to and collectively marked as Exhibit "A." 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. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. This cornniunication is from a debt collector and is an attempt to collect a debt. Any information obtainer! NAill be used for that purpose.. 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 January 2, 2009. 8. Plaintiff is the purchaser, assignee and/or successor in interest CAPITAL ONE BANK, N.A. and Plaintiff is now the holder of the Account. A true and correct copy of the affidavit is attached hereto and collectively marked as Exhibit "A." 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 $1,206.35. l O.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, BRENT SAVILLE, in the amount of $1,206.35, plus costs of this action and any other relief as the Court deems just and reasonable. Robert N. Polas Jr., Esquire # 201259 / Carrie A. Brown, Esquire # 94055 09-87929 VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, 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: AUG 2 0 2010 By: " ?& 2L?., Yve t- M Stephen Custodian of Records EXHIBIT A PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************8295 BRENT SAVILLE Account Holder: BRENT SAVILLE 27 MOUNT ROCK RD NEWVILLE PA 17241 Consumer Account Product Code: MC Issuer: CAPITAL ONE BANK, N.A. Assignee: Portfolio Recovery Associates, LLC Account Number: ************g295 Date Account Opened: July 21, 1998 Date of Last Payment: January 2, 2009 Date of Charge Off: August 4, 2009 Balance at Purchase: $1,206.35 Purchase Date: September 9, 2009 Balance at Purchase: $1,206.35 Less Payments: $.00 Balance Due: $1,206.35 09-87929 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. AFFIDAVIT State of Virginia City of Norfolk ss. I, the undersigned, VVette M Stepheir , 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, 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 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 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 BRENT SAVILLE ("Debtor ") to the Account Seller the sum of $1,206.35 with the respect to account number (************8295), 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 $1,206.35 . Portfolio Recovery Associates, LLC &P-W not By: Yvette Nn. &COI Custodian of Records ibed and sworn to before me on_ ,LU of4;kt a -- 2010 otary Public 09-87929 d Yolanda Muhamma KatbeT, ea\th of Virg CommN to atY pubi'.c639 M1? N 2 mJ9sio a. Gam ?xP?res C9130 212 tr.Ls MY Come! ss on "This coniniunication is front a debt collector and is an attempt to collect a debt. Anl> inforrttation obtained wilt be used for that purpose. Thk Bit of swe is douvw d PWVAM b 4 *auk Fonmd I%w " aw Amts, ss of Fir BOO„ 7009, as smwWW by =d {as "vve m 10 CWW Ooo bud* and Duam Ma "A Ali OVOWbW 1 11 ma v@4 but v a dWhi4 in dids RM of Sae jhaU hmm tho to svmb ftmo bA tea The f fi' Daft thr the Sak M wvs 5epftmber 34 2m. CAPITAL ONE RANK MM) NAT NAL ASSOaATtt N W. ice: Tills s lIOU) a.aJ*f o WEI.CINB TO tAPRAL ONB. We we pleased b OP III your crc& ???i(((( armmt. This A®eemeot contains io6>msfon ebota yow :yam- Phone sad k d kup it for yow tacos' to dab Atcsmew do weads'yoar", *yvW d "yoaasP sdrb lei patsom TAO Sip" the apptlcdam and b asyoos else who rasa the aeaaaaart is sop way The words 'tW", W. bar, malt Cap hd One Bast red d ost bmbg ??W our a under this A ih Ushq Yaw Acc=* You ca =W puechun and obeli oa* advaoea (K c eia adgnean as a optiom far yet aoocat) by to* your and awax t mabar, d any aooomt coos dmb (iadcudict Ptrehme main CMUN WanN mltdt gfomi Trwa it mods and Oder saudw ehaeb) let we ntyr amd b yea Who we pawwo yam wok accost aaxame dhecb6 vas wail tai yea abaM day wd be treated as perda nk cab advances or specid a I , Uadeft eta bi you odewrwhk Conve icoce mode wN shop be resod a• ea* adIVINNOIL YOU afros dt we arm not teeposarbb if Mgpee@ nA b baonr Yom aocomt If yom do ON alas yaw aocearir; yom sup cannel it by tor, . yaw ced(e) aid aooomat amm d=b b tnwham 30 drys aer you des team, Cash EgtfiavbM TnMSMctpraa Meek advacsa an a opda for your woaa4 you can sue yaw aooout b pachaa lama dot an diready Owner bb to ode. Tbae cane wp* meet tanasedcrcs will be* ' 'aenecub advown sod willbs balled b dr ash a' we serum at yaw aeooaaat Cnk agdvalmt assmreio bebds des pandas, of was trs-be money adw% bdk lofty d*ek coin Vnioi dikm, d deer saei w peodoodo r,lawless. Your CndR L Inn Yom aurae b mob paachmso or obbin cab advances oaty up b your credit limit If you have HIM ago Bootle for dffieet seoarsb dyer awnwK you wW be idrsrd d the credit liter b as yorw , I m do "b"msa & We may damp yaw credit lilt at my fleet my limit do mencew dt Y avaiibM Sw cads advanee k or =W weeds cash ohmose afhayr tom your aeooatat We me/ hoer asnaae 'am is esaas of rw.aedh unit and dose traamacdotai will Ia eovend by dui AFessaat Mddrugr Pmynanlt. You psneotss is psy.is as seaaatf duo reuWvg toms tee tau dyaw aco=4 bchdat try Soaoe danyes and od w doryss dos odor the Wave at** AEen mt pa„aft must be lauds is US. dotal Paymamm mods by a npddb haensamt such n a duds or a asreseI order rant be In a dm aoeapdtb as ve and ba.dtam on a UA fiaaneit b datba You omit pry at lark the mbimam peymmt ahowm on your stse®era Ilowow. you wey psy anon d= to monde as peymant or pay the balance he tai, he any a n% Somaoe dos wM ooactlsoe to be assemd duriot biding periods shat you eoey a balance regardless d whetbr or not yow s detued shows a nih imam Paymundma We can aocept left parynmb or partial psymna or cbecke d moray orders forbad 'paymmm im Sall" or odtr si v it hopup wilt m bsiot try of our rislr ands dds AFpmast boedbt our d&b"mosh -aD malat,.. Parladn Shtmesnt Pe„& ,.,,..? aooounk we wit sand your a daNDensat _ •_•• • "• u Yr>ur _ showhct eaemauleas ba'iad d tk" gram am ""corset aft Pried, MWOMing da is 300-0 daft drat The ataretumm daft dare =mines do moaab des epeeift bilBot period, Per ecopb, You Joey ballit patod Is dw ballr'st paaiod who tee arlasat ebshtt dab in laomry. t'hamaon Chsgp WormuoftL o ~ acewd in subject b a?eoaoos For alit ? G a al mkd cage MW dt nyour dtarp at" wa'i bs a' ON A ma dwp opsmcd. If 90 ON Saaacs doers SM we will II a dt nwAs tam dw 0.n mWiesm ad the di[ b=an wM be bAW to do paachme s Want at yew accvum B. Amur b)mm CJawgt Yao mqr apt rood Sb mm dap m cazb ?a msdvances d Vocud tmmist Ym ?, ? t? orbs clear" new purdmook am ftad ni Pam d as taw 1? behmoe in Sri prior b des daft YOW PwJ=W i des (fhb IS dal Face period on mw Ptclet=X If you do an pry do oft am bdanos tom the MER AGREEMENT Ul ,Clc>Lt rtl•:,at.4LCrut:VI e- 001fi-II KMM More* Wd°1 muk fmanaa dusts wd aeons am the cOM p"eniom new bdseoe loam the first dap of the new bdit pand. Roan, dmm% when appkd* wilt be ? and an 61bwc T-0111100011 Mab &W" do cvtmt bdbot period: havenowdoaddL Udasd Oweac iom and Vz n otleas made will ccmnanimss dudmo ha do deft the anreacdom is Procea dbyowamouct fr • fiom60 drydtdaoWft Peru G Pe riods Rats We ddetmit dr date 1 1 - rata by &vi&g do unad Peromoge ram by 36S (it your, Ming "ddroa whan W YOU Vwed yomow woomt was in or WI end you have ad mad Yow anew ter 10/3 w% we ms asoat d) po ?? ? by s 6@ aml palettes aft eaedi g it up b tee umme ULOOM at l-A Ma rem wq be I'M ad fir lei tam of yaw ==a (a& O6 ads Pa61011 RMW Padaa, and -pow frandw it sppiieabls IN yaw saaaom4 You waem bid VW dstlp pariodie r fuft? aft(s) wean yo ope d yaw ==a if yaw aww&A hoe a a'G)` tea tab(s) wads eamds in son Ideas Yom we 30 dap or, anon hft he cabin a peyaaaat or as ovaarib>t is which came des prstdia tab(s) may be char d b des P°d°tOdtml? taar(e? i[ may od w care d mtas am nude bee? b Yom acoecat opmiat, yore wail be advbd o(dw oewalt D. d+1?COcd? t the bdmn ateetde sagum d 100oo (G-& =6 advmoM, Wchw% "PeCt"I Pn'ba"sy and apeeii tress" by the daly pmiods rob(s) dal has beam pewiomip dWomd b you am* day dmbt the Mohr aydy we apply the duty padodb tars Sw soda soFurat dyer aoeocset b tb daftly bah daach aeFEM We dm add up des remdb d *Ave d* a n"a"g Is arivm t yaw Ow perbdb *Mw ChwaL To tee des >i"m dolt' balsam Sw era sagaat of yaw -coot far tee euraaat bd tai oYck a" der we NM the te'p+rsb bmOubt balance Sw ads npemt and upw"y add 1 11, to i and my Arr a* sqs wA e nft os MY P"D'tatsto ar aeedht ? Wi th= an subtm Peaked an duet dap that its allocabd b sari sewast, Tbb riven m the upereft ddiy bdasoa *w each aFset dYar MOM IWwwo r, tee MY balanoa for Pm hnw is considered b be =a tar each dry at tea mum ba'Sirt aide if Mar paid b dot des New Balcony if try. AMR m Yoe FwiwND et.mmt (or if yaw New Bdanse was aso a a OWN amgot} If year biilirt adiaft wean you opmad your aooomt was in IA or WI ad Mae ere tat tread )POW -oaomot sett 1031^ 8ruaw dww is gtzw by Mplyi" s msrthlY Parlodts MIND to tee awns ddi , bdemu of Yaw aooor.t mreiediot &ON de art g Yaraisble Rags Weerm and wban variabh ratan apply b yaw aeooaatL tee sub(s) aatry vary -- 6b band as AaW ` dm >? ors (1) rani Lcedcr eterbada OS6ed Raft <? pubMed in loarndcs dee 1"? Raw stenos at 7u Jlait . Sbwt moeti r ilaot pubMad m that dry, a tee mat nowt dab of publados pair b dt dry; any dtmtm wd be db*A wM& year BMq pWW aadbt td fan mkg MOO& rt tea ptiodls tar(s) and owns dbt "anal Peomrp =I*) bamrk the Sum's dwp wi k aaft and yarn*dnam paYasee t mey be Fesrm R Cart ""nor For Afte"nt a wra if a each advemoa fee "PPMW b Year =01104 YOU worm told dw b weer Yoe Voted Your scs+asat Mks In wi be charged eadt boos yam obe& a ash advance d wen be added W des ads dvam saffitet of Mar axooot men he b awed mdegtmrt b yaw aecoaat oPmbs yar wadi be sdviad otdo seer fat Other Cltaspm Tbs Mwill dween may be balled so the YOW Meelft ft dm far t I* be aedted d? 0 YM do a not m `byft dos daft sboms an yaw peidb erlemM (uy m bfl t addcean This communication is from a debt collector an :s an attempt to collect a debt. Any information :btained will bet+wWwrWswvuroosa. wall m 1A whm yon qmW yaw aoaoest ad you haw oat mad afbr if ift Pslmmit ma be mind w" 10 day after dw des dmWk oaeriftmh d wp d ym mamas amoadt . ,*"d all* bit, ewe if wa mppaa? ms o Ie" i ? .o IS as fur a1y lemtga am drab tit my te..w 00" doom fur d? Copies of ? a unim rogebmd fir b? c+p b salohtdea 7bn bowound ,ty„r bifar ad*M men h PR wbm yw alomast? not apeost or if your bifag addmw was is Wi whoa yar aatooast opaood mod you boo amt mad yar aosobs afar 1461t, 710 o mum. 20 W ddaw b ?ae.e? to yaw accoto ot+a.ins ? wibo - I ' - ddb s b. h!"b IND rea If yaw aoao WA hom a maabarahtp ft ? was b ew, m] ?aPMd your aoeol? The to wa be ? b your 8=&Ad )"Oar m?a'aa+ot 1<mr b b oP?i you vai be advtamd of as st the t Oft *a Air b mom, W Solve odr aril be dielpaed b yon F yma rD bceo lie sa Ofstbtams wi ma d!+<dw mlaa Oaarrb +p - - im do oft 0 it (a) you W? OWN its dab! a wa li Aged weed your aadb rmr To ON &dot Pai by hol; ? youl ? abo be h debt UWW mi Aga saw it (1) yea thLb my dam arils soma of mb Agamout ar my of b sumo of Maslow wit m, or may door sb4 or m you mad am ? °? of, wd mdlag alatmlmfi ere par WP?q or (a ado rw (J) buW"q kNdkftd by you or _ m you as in p"001111111111 Aft ddmk gW you cum dus dodo! tmquied by OWm"fordW b ftom soar kmndioM or don youb4 ime r nomaommst dmwad yaw am" who .MEM To ?ha pew b lam y" ON y n in do Baas! 000 and ao6ea+loa Apeme1s d ms m at MY IWAO Yon mtae®alt Ryan debit and we mRryow aeeaaan dkb attaro y who b not our matalad ampbM b b fir fir c op? obtlea is 0*0 pay by bM ygo Mu OW ooala web ps1 telamahb aft =W !t YON ab agaa b cmu we may imer bNow/ y * ym pbaad adni a =WiMd f h You MM Your Am" YON eat dams your WOOmt n am M me YON attyilg at h w ft Wyoa dome poor assaNK you mat ag PW aw m and wit be aspamab !ir OW ? art YON feeforyowaoo'bt ?? yaw swim bboEttaisammi6ataMp ?a g u babamas ham bus h ft Yon almat Was roan SIR ad accow own bftgm &mmbmmd 10 04 comod mr amt ay°0md a w+ WWI accome to emu" d w m,e amal ale a0m wyou y aOO m dmldaa ho Or mho =W baaa Itynn at labia to lmmn`s aid lad moss" moan ?, and you advio- IN coma your samla k pon moment WIN ba dmm and boa .2 in o cloand se b? ? if MR now q* fur a seer a? It be Wb sassmR ya sad mo4ob r in in ff max witstir , iO?'bl? and ffr dared b your W bJ-'jl lea M Wi CWW Your A=vx* a &WWW Crea p we bnaeab awmom, mod k" Aga m a aodbar RMNad ? Prbbrst? 7bia iodade? b,. b oat 1im+1a I% a haw aaama b doubt your vhh 96 Agwmmt or whew eau of pbmmoo? '°'?? to withoulldaatfibs,diatb (baa"'PkdyAm p4 CO 012" 6a or cOO& a an b to '? Your sad! dw bdas obuft b W* may delay is A? k Tama W* map ammtslad or Chosen any plat dyolr a? ? b Pwjda s mod G&W d!IwW or add m9-aab mt aary dma If wa do a% wa wi ? a??egried by bw otwmb -- hmw or drag, Cb gm yam w Lois tittm b edema 000 °4 aP* b your Now balosam baimea lorhdsd items hied bsamma ba6an an b chomp aaodome and amar a ? ? OOa? b O1a ao leoomt ?mgaa b ties db d1a0n we sppbr fa yalr ace NOW ftom to a? deb ?..:1 APP ebb Lb 7bb Agummt wi be pvom t by Vigista 4w isd Pilo.! ? S-11 - IN td b°?f? at my poaldea of ab Ag osow dmwa6wLoot a 81dbt ibeb or Account Accom CfmmCkL If yaw cw* or amr-ml saw m y be aft 6 ft y? a? leafa CK 111 To it ma bdos y Yaw Nbft 6M stelbar dham?cab t M dymr palOdtm >fseem do W4 Ihr asatllastasd an at mo°Otat aOas dmob wi mot N%WW San YOO yaw Oxis or w+rf sot be W fimromma rheds aaat---adrypasodya Yov BOW Aft W& Ya Wall b giw as 141116ft nodoo d S a tm at lout 10 days bebn do ebm? open catpaa paofioa aryow 1 'F Rd or 011 to 1 n o do Domon able CLpifal ?ittb lso or t?-SOIf. If 1 P: Q Hasa tSOt? yA yaw.meoomt is niz malte or Ksaola foo an Pal pet ? ad imog b no k you agar 6*40 =dm nW tug b loidy b b mddmb am" as oar bfog COWMWdCm*3WLdmriaaao aa=y ed yon (aft to oeadad Opsomod mm amyaa) at hsmm aces art wi mt ba omeeidaed or meat mid Wo err mooed my Drab wa mob a teoeiyt % may mes m mffwmatlsa Is odsa nlptd[at to abma or my rey.. awouot W, lair male *ias dated pedm is o 1(ea we Chid patio bb m mbw*g yaw aCO. mod yam ashmhaa ao* log,ematimabowym b m Carly g-, Clndialb t MY be _ am w N" &W nNIOL TINS fur beemb ssb pow by Aad D+rmh raaw' almbdae Ordla mid psat1mL X3* bas Ob or !br b actloee a Um Cur uncy Ifyoa mobs; hats a alb od%loa b °""??• . w* be -no iob U& fmo, Dofts aft Vim or dim ?m b mb m? 4 am tra?lma dom. . This communication is from a debt collector an, , an actemot to collect a debt. Any information :btained ?Anll be used fir that SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart SOGCItOr ~a~yrrt~ of +~utw6rrl,~~,~ ~Ff ~~ _ ..~ $•`~RiFF "ll.~~,'-~"r ~_ RCS ~~~=7 ~C~ -~ ~~ 2~ ~7 Portfolio Recovery Associates, LLC vs. Brent Saville Case Number 2010-6221 SHERIFF'S RETURN OF SERVICE 10/05/2010 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: Brent Saville, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Brent Saville. Current resident of 27 Mount Rock Road, Newville, PA 17241 is the defendant's mother. She advised Deputies Brent Saville is residing in Carlisle, PA. However, The Newville Postmaster is delivering Brent Saville's mail to 27 Mount Rock Road, Newville, PA 17241. SHERIFF COST: $38.80 October 05, 2010 SO ANSWERS, ~"." RON R ANDERSON, SHERIFF (c1 CountySuite Sheriff. TeleosoR, 4i~.c. Q~ F ~~~ ~~ Robert N. Polas, Jr., Esquire PA Bar # 201259 F~1,~~.~'~ r~~P Carrie A. Brown, ECnuire PA Bar # 94055 ~^ ~ ~ ~~ ~ ~~ ~ y~ f ~~sY,~,. 1~SEF~, ` Portfolio Recovery Associates, LLC 4C ~3~ 3~ ~~ 140 Corporate Blvd. l~ ~`~,t ~~ t .~ Norfolk, VA 23502 ~a v ~Q~~~ TELE: 1-866-428-8102 E`1,~1~M~~~~" ~XQ~ ~,y~t~ FAX: 757-5 l 8-0860 ~~ ~ tl!, r~~ Attorneys for Plaintiff ` IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY 140 Corporate Blvd. Norfolk, VA 23502 ASSOCIATES, LLC Plairniff O-,l`.-~ v. BRENT SAVILLE 27 MOUNT ROCK RD NEWVILLE PA 17241 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 wihing twenty (20) days after this Complaint and Notice are served, by entering a written appearance, personally or by an attorney, an 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 maybe 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 NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIlZING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WTTH 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 PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC Defendant TRUE COPY RitOM RECORD M T®stimorry MA11~1~of.-11!~s unto. set my hand 8ndth~~s~lt1(~Mldt~glMt rlisle;,Pa. snls d4rd J ~'', zo ~~ ~ ~ ~ (~ tbonatary 0~'~"'w ;1;. }..hss communication is from a debt col}ector and is an atiernpt to collect a debt. ,~i~y snft»matiost obtained u°i]( he used £t~r that purpose. 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-8b6-428-8102 FAX: ?57-518-0860 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 v. BRENT SAVILLE 27 MOUNT ROCK RD NEWVILLE PA 17241 Defendant NOTICIA No. USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomaz accion dentro veinte (20) dial despues que esta Demands y Aviso es servido, con entrando por escrito una apazencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas 0 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 juzgamier*o 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 0 propiedad o otros derechos importante pars usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TTENE UN ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FUADA 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 Cazlisle, PA 17013 (717} 240-6200 Pennsylvania Lawyer Referral Service (800)692-7375 Z~~his conuriun~cation i~s 'from ~~ dent collector and is an attempt to coltect a dabt. ;1riti irrfonna~icsn at~tair~ed ~-il[ he used for that ptarpose. Robert N. Polar, Jr., Esquire PA Bar # 241259 Carrie Brown, Esquire PA Bar # 94055 Portfalio 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. BRENT SAVILLE 27 MOUNT ROCK RD NEWVILLE PA 17241 Defendant COMPLAINT Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. 2. Defendant BRENT SAVILLE, is an adult individual with last known address of 27 MOUNT ROCK RD, NEWVILLE PA 17241. 3. It is averred that Defendant was indebted to CAPITAL ONE BANK, N.A. on with account number ************8295 (hereaRer referred to as "Account"). A copy of the account history is attached hereto and collectivelymarked 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 relevarrt times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. This comnumication is fraui a debt collector a~u3 iS an attcmt)t to callect a debt. Ariy i~~farniation obtained watt be used far that purpose. b. 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 failwe to make the required payments on the Account. 'The last payment made on this Account was on January 2, 2009. 8. Plaintiff is the purchaser, assignee andlor successor in interest CAPITAL ONE BANK, N.A. and Plaintiff is now the holder of the Account. A true and correct copy of the affidavit is attached hereto and collectivelymarked as Exhibit "A." 9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant andlor any authorized user's use of said Account is in the sum of $1,206.35. 10. Despite reasonable and repeated demands for payment. Defendant has refused and continues to refuse to pay all sums due and owing on the aforementioned Account, 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, BRENT SAVILLE, in the amount of $1,206.35, plus costs of this action and any other relief as the Court deems just and reasonable. Robert N. Polas Jr., Esquire # 201259 Came A. Brown, Esquire # 94055 09-87929 VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, hereby states that shethe 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: AUG 2 0 2010 By: t,~~,P~ ~'l2, .~ ~~•,. Yvette M. ate Custodian of Records EXHIBIT A ~h~b~b A- PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account BRENT SAVILLE Account Holder: BRENT SAVILLE 27 MOUNT ROCK RD NEWVILLE PA 17241 Consumer Account Product Code: MC Issuer: CAPITAL ONE BANK, N.A. Assignee: Portfolio Recovery Associates, LLC Account Number: ************8295 Date Account Opened: July 21, 1998 Date of Last Payment: January 2, 2009 Date of Charge Off: August 4, 2009 Balance at Purchase: $ l ,206.35 Purchase Date: September 9, 2009 Balance at Purchase: $1,206.35 Less Payments: $.00 Balance Due: $1,206.35 09-87929 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. AFFIDAVIT State of Virginia City of Norfolk ss. I, the undersigned,Y'~'f;tte tit. 5tct~het, ,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, 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 mairnained 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 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 mairrtained in the ordinary course of business by the Account Assignee, there was due and payable from BRENT SAVILLE ("Debtor ") to the Account Seller the sum of $1,206.35 with the respect to account number (************8295), 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, andJor setoffs occurring subsequent to the date of sale, there is currently due and owing the sum of $1,206.35 . Portfolio Recovery Associates, LLC By: Y>>•-tte 1V1. 5tepi,cxiCustodian ofRecords and sworn to before me on1_jLof (Z • .2010 Notary Public 09-87929 da ~,uhammad ~a~etineo Wa~ith nE Vt~9«ia -~ :,.,, ..y.~ ~OmmyotatY ~uh,,L72639 ;,. 1~.,i ~r, misstUn °' ~e13G12G1, :t ~ ?.i r ~mfT~15S "phis cotmnunication is from .? debt cullectur and is an attempt to collect a debt. ,any infiurmation obtained will be used for that ~urpase. ~~~ ~ ~~~ ~~~~o~ ~a,~+,~a. vs-~e ate= A Forward Flow Retxh-sble Sad Agreesrnn! Amtudmesit,Yumber 2 Ez{hlbit 1 to Parward Flow Receivable Sale A~etxnent dated February 6ib, 20Q9 BILL OF SALE Closing Dane: September 9th, 2009 Capital Ona Bank (USAj, Nadonal Association ("Sclle~, in consideration of a arsd other vahsabla consideratioa, the recaript of which is hereby acknowledgai, her+a:by sells„ assigns and traasfus alt right, title and intaxrat is tha Accounts idimtiBod in the Sale FiL eneztled 20090903.P333CP.SLDFLEI.TXI' (which Wray be in electronic forth} to Portfolio Reoovory Aasociata, I.LC ("Boyar"), without recou-tse ~ representation kept as expressly provided heroin oa• an the tuna, and subject oo this conditions, set tbrt4 in the Ag~reetnertt (as defined below, This Bill of Sala ie dalfvaed ~tsuent to that ccrta`hi Forwud Flour Receivable Sale Amt, dated as ~' Febtvsiy 6th, 2009, as aanmdod, by sad betvvaen Seller (as swxessoe' to Capital Ono Bamk} and Buy+ar (tbe "Age Atl cepitali~ed trsrns used, but not defined, is this Bill of Sale shall have the meanings assigtial w such terms in the Ate. The Cuwff Date for the Sale Fila was Septanba 3rd, 2009. CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION By: _/~~ NamaJ ]onatban Stalls. Title: R+eCOVerias MVP a~..is ~9rs.s ao+wis-0oaus ~^ 1 j•,._ t-z.. ~.vELC tt~ To C11FtTAL oNB, w.:. pk~taad b ~ yerar credo aotast Thin AtQemretot tnorart ioltmwbet aboet year ,ccum Pieraa nod 't sod keep it fQ ygls eaooedt la ~ Ay.mns hs r.aeda 'yae~', 'yaea;• tad "goers" n>ie''b ride pereaoa rrirr riAnd :he rppGcatiiar reel b asYoor ekr wb u.at b aoooaot i m!- wren. Th. wads "arr. 'tn", •txs; nrs C1~pd1 not Back olds suoeeasort a aasiAfa Ws ear eirisr ~L ally ~ twdw dtit a g>reemat Mit6rst kais 1Aeati Using Your Acaotsrt Yoe tar mats. pueehaaw sad abtait tai advaet4 (if twit advaoott are a oyoor es yotr temoetett~ br eyries your cold, emetess aermber. and acct atnomt semeat edeadrs~~ Purcease motto,. Canra+ierae t;2rarft~ SDadrl'lktorls (broils and udfsr simiLrt eheeiot) tht M arty rood b you Whs ts. pceridt yoe ~.vidt eaoart tteraet ~ wa rni td gas ~ tbn wi/ be treaerd M pet+;ieatet~ tai sdMSrmesl s: apeotl tsoVsi iltinr re. tail yae otltonrites, Cawedaoos t]eer3~s wilt aetrryt bs teaed w took advsoaa Yoo rpee let w. aA not rapoanbi. it arymt maws b heteaar your anaoeeot: ltyw tb efot ews yots aoouuoR yoe aah- esaeit br ~i Ym ud(s) cod aaaovot aeraes tdledsa 1r is with 30 dsyr after you radvs tets{.- Cash Er~rie-alsref TlraroacYotta !f eat advossta tte~ as trpt{ae !or goes aeooeor. yon eta erer yt>ter ass+oeeat b pueeesn 'trot Bret a» dieecdr aaeaveeoDft b eaaL 'Ibeee tai agiirtieht tmetiots wit b. strayed at eat aetvaeeaet aed vri/ ba be~sd b Ihr tai .dtnaror legnmt of goes aoeneat Cat egeeivalart traencdoor isrdtdt for pueclrter of wis trestfr moray tsdersA, berg, krtsry titimttt, eatsor ors titipes, sod acct mrt7r produdt a awvieaa Your Crsdir l.Lrtit. Yo>a aynrs b mob pserbwar s trtyei ear advrseos mh esp b your ese+dit eouit Its yoe !~ etiseiaat taedit limier star slf~esaot ~ of goer aooasy; yor wW be iolorenad err th. aedie tiaoitt m goes paiodit ataewaees. Wi nteq tirteest goes crodit limit st try tittoq eeary Hmit tbt aeostwt ttst it svtittbla for art adveoaerr try arty .asiedt each advweleet tattde,ryr font year aoaoeest. Wi eeray haoot trwraedas i tororet o[ Yoter:aadk limit sad dinar trarswredaeet wiY 6. erove.ad by Chit A~arssmt NakYq PstyrtetrMa Ytre peesuiar b par•ns err eteeeastr duo reaultint bow te. ors ofyots ete+aonst. foriedbh air dnrur. r:hwp and otbtr daps tlet nds tha tstttss ot'tei Asareart Pryerws mutt b. mrda i U3 der8re>< PsYeaeatr eodt by t rs~rtfiM ;nraumst sui a s rheeit a a metoty elder moot ba L t fogies aocepaeblt b >r sod b.ekfNr m a ll$ 8asasii irdtyfoa Yoo mint pry at feast ter eaioimur peyarrt abowr ere ytas sta6amery: floresar, ygtl mry pry mop the tht miimeav peryoews or par the baYtso. i em. to say aia,, eneeen abep, wr7 oawiot to be asreeraad desist bil8as periods drat goat eaerl- a 6rroot regardLyt a( whether a tent goes elrtaeeeot tsbasas a eniieeer~ !~ ~ w. ear ar~oept htr payraae err pert6d psyresrr a dtedrs cod moeear adept aorrited 'paysseet i eeir a t>Ihar ,iae7er k~eyr withers kuioti toy est* trerJider larder tlw Ayt.ematt loeivdiry oes right b eeceive peymss i >yeL Ptsriodo Staltrrtrnt. Faek moerde yon hsa. s betlsot i yera aoeoueR w. wtll amd yore s rwlmtt shoriry ere eaorredoeet biSed to getout amoeste desist the bilks period Tbobdtlrs pettiod it thr time tow tae steaeeasot tioeiet tier dfrotytSed.iodaity td met staatmaey ciaei+s dsyt The autemett rloins dell dtsaeitet dr moth ty' a aperdiis bilBos Period. Far teeampYs, your Jasatr beltiot period b der btitias period wiry tb trhteimmt t:birs eitlt iQ lam, Finrnett ~ YdnnerrlioelL w. ASeiewe. Frreveer e?bar, Pot esdt biiReis period toot yeror r~aauoc s seit;aat b s 5o.ea. dnttpi a toaomats rod etwtcs charyit d 50.50 wi bs imporadr ?t les aced eratts eisp rexulfbtt cos ter rpp6taoot gar pesriodit raw(er) it tat lets SUSQ, ws vril aeblasa tint amoeas !rats tee 50.30 miiswa std rhs dieisaaat w3 b belied b ter poRhaat aes~eat d your aoaomt H: Ameabg i;3rs:eer e7rr:=r. Yon megr oat ttYOid IInanor ebap m ca+b adnmest and sprat ttaesaftrs Yert mry etreid frdaas cbsrp oa sew pesdratet, sew apeedei pesaeaseer. and as asw allies ehaeyfee try Paris doe oosd yew bayou is let prior b des data yrxs pecyoses~s s dtr (this is let yttrs period m new ~~~~~ peevioeer teeestmlr eerwew ~. wet toour or +h. earire peetritas trees bsfarot 5nrri de. tint ~I- eel ttea over bJlaes period. Fmnt efitep; whet rpPlrabit4 vvir b. ~ a:aeaed a betreaa: • Traoaactiseer old. th.ies thr taeeas bil6os perioet 6nsr t~aaeesLatehtlLL • Uadead tarrraioiae tad trarwrsber road. wit coav.oierees eteulat truer do der the osnretior is prvo~wwd b Year aeaaresl, • Traowatloat made prior b let torrent bii6es peioek 6+ora ter one eaieendr obey dtrt agrees DilbL PQ~ G Perlodb Ras Wi de:Aermitt tht ~ pesiodit tab by divid'aes thr easarsi paeasirp tall by 7bS (d y~ glens uidrertt woes gas aperted goes aoroeat was a LA or W[ and gar have! eat eyed your aeaotaot a0tr 10/31/4 wrt ttse tmnsielr pariodia car dewtmistad by tiividists thr tesevwi pe:toetteadt colt br i2~ and eeteodlns it aP b +b oast uto0oet a[ lx The root mar b, diiaet for twdt esstarst o[ yoear toeroers (sb ca+r adveeeay ptaslrse4 apsv- periraty .aid apadri t+artdtr d ePPIK~ 1tr 3'm ~ Ytrs rnsea bW the ehtt,~- paiadit ~(aI wes >~ opined Your aoeoeat, If goer eareotart hes .a iaeedeasrory ea(tj~ tht rale(i) reel eeemseit i as3it tseMw yoe sr. 30 dirys a msra Lit i mstldis t paYmees err as trrereom't is vreieil tau th. pariodit taw(s) msry b. c6wgi b tee prtrdore~syory rb+(t) (t oar nobly rryr rbtaaps ter eear+d. wea.geewt b goes asaarut opmits. yoet wit bs advLed of dry crew rtsta D. Cderrtaries Fba,o. t~Rt- Wi ealnelatt emu. ti~r* cart dsr by taddphrirs der bnlwor d ear! ~ otyoes aesearat (a.i• eadtr advwsoer, petrreat~ cpaeirl pueira~ acrd apeefal ~ br let ~ paritdit rats) tent beat boar previseedr diseload b gaol Pads slay eles$es ~ ~s tY~1 rrle apply dt. daily pwia~s tart tfrr coat trees d yens aearoaet b dt,. daelr balm d tardt eeptewt Wi thou add up the eewert d that elsiy ealeaelaefwr b aRiv. at Yoew meal pariodit etrateo. To yet die >lepeaea elaelr baireoet ifs esssk ae~oeet o[ yatr aeacasett Ibr tb eaeatt billies ayciq, ess>ti dsry ire teior te. xpwar bey6wirh blurt err ea3 ae0rrrt aced seprrateir add suy aaeasWwae aed ttrry patfadia ettewat tdstrpt ulaelryd a the peettAoue tisya belweot ifs art septetat Wi terw adrayd user petymwet a aedib ported s girt teat deg that art alloetrd to ewer ae`towti 'Ibis dva err tea aesperset daily belasrrs hs oc6 apms alyoes aesouut Hawray tea drily bahooa ifs Psebarre i. oasaidwed b be ato !ht act day at ter txyrmt bBfot ayda if yae paid i ee/ th. Neer B.ieras, i<oar. rhaaar an yens pe.viow rtatrmsts tar tf year N.w Bdaere was aro a t aaeiit smewot} 8 Yoeer biliios td~aw we. yete opatad your atwoemt rata i U- a w[ syd yos 6a. oat clad your aexeoaot lest iQt3U4f„ ems. eJteev is es~d M apDMoi a emoehlr pariodlt oleo b de. strap daflr balaerr of gooey att+aeest tacsridios eoaaat edrp S. YorbbJ. Rcera When and alias vwiabb rats gtplli b ~ aexoesty the eale(i) mar vsr aeared,lr bawd m dfwept L dry ~8rm oat (i) manor Candor 6tteehdt ots+red Rat p,.)HOF,1 publiehd i thr "h~loaalr Rat' sertiaa a[ 111a i/aii S1wt Josrrsdos tht Jcr tiiar afoot oaael4 err Ktot pabikead m let don, a the oust cocas dais atTpubsileatios point b teat day; tterr ~+P rtris bs e(>tsetlee vtriti gas Bf9fos Faiod eadis td totiterieet moat <t tes perirdls cate(tI cod aoaterPaedit +Oaori P'ar~p ~(i) ~~ ~ ettaeror tisretr wi iaearas cad yots tmioiews peeYstset mgr b. ysateat P. Carib Ad-bare Fyr 63.srrte tea It s tntti advtrrt Set aPp~ b yesirr ~. yott rrtrs laid >bt b.reat yae oPaard your aoeoQet I'br b rri b. t9rtepd ads titers yos ohds s oar aivaeeot sd wti 6a added b dot ai advarra a:tarea d goes aeeoQy: if ds ies i ti•pd atrhragrumt b goer tezotst apee.ilt, gee rrtl bt adriad diet uses feu t31lMr Grwyta' Tbs tfreorries e3rar'es racy be bilird b the ptaei~asr aeprat a[ye>,r aooatre Ytt duryt Lws do trot racdes gar pesyart i boot Ifs t b 6. tasdited b gores aeaaassts br the elect drs reowe ere your Periodic ahtemest (tiyar be~ios addter cusTOiiwt~ aca~Errr } ~~ ~ ~ ~ ~ ~+ h s ro mm~u ~icat~on is from a ~2bt cogector an s an attempt to collect a debt. Any lnformatio~ ,ota~ned trill betitew~tN.rrw~erlouroasp ~a m U whm yes opeeed your aaoorrct and ye^ htn~ eat !road yoir >uamt tutee ta~3tl9f1, 1~ twt ba !endued ~. to days ,Rat dta dtrr dra.k ovs5tuit dtarOt i[ yars aoootrs aroeedt iat ~;,~ are~t ~ ere! [ .Mr ~ro.d tbs oatrNot! .mover reearsed chrdt dt.as [ a cbedt i tssaead b m tr aep ream err ~t ws goat boost yvtr anooeut aaaes dtadat ~ eery team aed ~~'PYbi ~~ ~ ~ tOpn d ettmaafloea err raetrmeai wales tegttiort b ltil~ ~ tsesiMoa 1'tiw dts~ea wit trot bs aaaaaeed dgoat b~e0 add>teae wet a Pft wbw yaer sacoutt was aQaoad ddy~aa.~.aa..,.,.r.art.~a.yaraooaa.s«. ~pemd aed ya. roan tnt art yar coopers! atll~ lOt! U9L tbs es amoests ass dstelosad b you wiea yvaopemd yatr gamuts If of o(theaa lbs ras tftrar~ed aaireQttsa a year aoooaut aQarrt~ yo. ~.vsY ba adrieed dtbr »ew lit. Mdtanshi- Fes tt yore seaport 6ai a wsbaati(p !~ it ass diociased a yeti wits yat oPeoed your aoaoit 1b is wt1 tta hilted b the pat>ssaa ts~mstt dyers ueeoaet. It tb• (bs i dtsrtted sabaaqueot b yat spews apdf6 ym vrri ba advbed d tits t~rlttrr afhn. Tb termer d ray tltss o?tr d ba ~aeloaed a yo. ~ dt. dmrt tb. oAtr i !!redo <t you anoept as ~ for !!tress wry beeams e>ffietha i~ mletr adtswiss epttei6td b tbs otter. Oetaull. We ~ ataider you b bs b delttoR order ti Agemtees ~~ ca) ,~. w a ~.,- ~. e~ paywt ad ~ err ro~ yatt c~ceeed your Bradt tloor 7o tbs meet l~ 67r ~ ya t~ ohs bs is deltdf under tEie A~eseeet i! (1) ya riots my d for adts retort d Ale A>Q+aorer~, a esp d ba tss d aslr oars ~eentett wi a err >nyr d sot afJiRtaeq or (!) ya. needs a+ep filer a mWsdio~ taateormer as yars ~ptloetae~ or t;3) baeiettprrp err othOr imolveery pr~ooaeeite~ an iuda+led by yaa err alltbtt yore A1bet yae r:s b debut (err rAs.w yes you arty !!odor d a eifht b aaa >:,. debt!! ii teauriad tit ~ ~+ ntsp neeaiet yaer atawt frog osw trsrsdass, a doer yas amount sod dnmarti iamedYr paymeet d dtr stir! atareedlet 6alwets To thr aacert patmtaM by taws }roe a~sr a per ai peer! eatae std artieeden atapsees heated by m b tba aoilecdes d my awes! yes peso a radar tbi Asreemttlt ttyoa de5tt aed ws colt yaa aooaus 1tr ao8ecdoa a as amaer~- wbe i apt ors taiid etrpbreq fr td ataeet penseited by tsrR you aces b psl- reaaoettbi att»trosytt !as You aMs area b Pay my oats tee !terry leas f• ~ rats e:dr; ioel~e f asy apart rn pray ioesr b!' 6n'Ni Tarr anooaatt ptaatd as a teettitd Qes H Yea t'~otsa Yas Amatttf. You Bas bars yatr aaaaatt br nodiyto~ m it writlo0 Ifytat doer year atx~aat, you mat tw pry ail amoetete you peter s sd d bs reelwiit tr aag- dtttrHea lbet you atyltattznd prior b Melt err yorr notion itrhtaa tr 11 ald>dfiP fed iar ytas aoaosttt; td Oa wit aaerleutr a bs thrpi', a tb ao0ert P~ M fsw~ ttdif tb aowmt balsa Its bas pail b tWL Yaa mmt ahn reaara ~ atrdr d aooaate cones ciedts b aiy ateoai r preeea,aeiaed bAtirt~ aeratesnmtr red arses adasyots !repeat. If yon were! b cap to tarboriad tae's aooew to yev.aowtq yes ~ amd s wriaa nudes alms wtl for mays ~ (Y+sl~ d al- aeooerrt opera rltaela bs a ebs nary Ma ltyoo as aoeblr a wan that peaaetlt and tad aoaotset aeaaa rlrertoe, aed yap aetviea s i wti~ b dada your atsarsrt, yas aeoaatR wi/ ba clued and Gab Y~ d ~ ~ ~~• ~ d!R ~ aPP~ tr a am aoooast !f wa dew tb• aooaaR, yore trod tbs•;oit ~. ft e-y4 wit d bs (iabls4 iodlridelr d ~4 fbr a4 amoate dttuHtd b year accatat !/V 11.1-( ~ tt W~ Cstrat Your Acootlttt or SteaQaed AstiR P~irllsgra- w. m.l- d aay pmt wilt or wither! cafes a~a ~.~,aqe adtnura taeaoer tbs. A~e~at: drar- a v~- ~ yats aedit pritrtlept, Thin f~ bo< i oat 6n~ed a4 sitnadaer wbss yar roses rbYtlyd mY Arysmmt err atrera tw have reaper b dottb year aeditttor~itera (~ ~ i[yoa p9 oa wid blameiatt fleode dtrdt. ata men !hero s ooeaimel baes~. Yas obRAtbs ttasidut dds Ayamns aoaiwr elr year r~ a ~ aedt itttra bas !!:!pied err mspaaJstt w. t~ ~: e>+tlreitt air ri~tr seder ds A~atmstwbneR loci!! tbaaa Charga~ b Tatra Wi'sl- amsd err dtaast ntelr p~ d y'~ AgeemeetT~ ieeisdiet~ >b. patfttttiis rhea end atb~r dtrttat~ a add err rwaire regotaoeei s anlr ties itrw ds tq, rrs wa qs±a yrae Hotta drs}tiad by ier dtatmi arminsetar dtaet~- C7erber tr d» moue! pteoeertsr rte(s) wi appljr to year socotta baiaas 6vaa tba !:Botha dale d b ebeuR wbelat a neR tba acwrat boraces ioeieded itas 6iied b tats aeootaet bales tbs cfieess date and wbE1bR err trot ya. ml/faoe b nss tha aroaoats ~ b ~ sad ols dtat'ee wii appb b rats aoootrs taut for at~dvs dots of tb dtsp ... applleaeltr ttti: 7Ni Age~a wt7 b. ttu+ard ~- Yi~iOis taw d Fetiaaf-t~_ 3avwaltl~: 7b ~ d sr7 prwfeioa d tbi Aarer:aeet sba/ oat trlet tbs atli~r daagt adts ptortriaeea Lost err Stofiet tyaetts err A,aootat/ Attow Cltaelts If yae. erode err soma! ores: tdtedie ass loot err taolea a i[aoweona aha mry tta mitt tbs wlbotrs yotr pamirtioty ttar~- nr at coca br artlfut for Nepsaas omtbtr etatwia oa dtr set dyaar periodis tototataolt, Yasr ~ is msultatd tar d year dads err etoost apes !.boob wtl oat etareed (30.00. Yoe wt7 trot b i"iabit tr tarr6ttrised is tbet aaoaa a0tr yo. tntity a Your (dt~ Adt~ttaa Xaa titer b ova is written moles dairy dtra~ is year ~f sddtau at leer 10 days batrw stir cb~ tamps mielr br wteitis b tba npaar peotridd air the taroilbtoets catpoa patina dyes peeiodta alsteDreet err etgr bs amR a for folbwits; adderre Capttel Qoq ! Q Hat >1301~ Riebmae~ VA Z'~i301A tfyosr ~oeoratt i a joist araxrast err i<maw torn ad ~ i pserilaed is tsr t;yea.sw. tbetalr eatioes rettrtdlrtt mr saoornt mqr br loot eoihr b tb• adl+es aborrn m errs taIDrtt ceaatd< . coenwtkartnt w• ~- ~r ya^ (fit ~ ~~ eommstfs ~ dwlnesr a teoaded mteaser) at trams a wort end dtoaa atb wit oat ba oaeridsted estrettcitd Wi malt monitor a tooord app atti tw mbar err tec~iMa Wi map teleaer oebemetiaa b otbrea ta+tetdlet; tbti taente err 6iAoep d yam eooaatt Wi mrlr msb 8ngoirks dtbid pnrtlrtr b oomxdos gilt ~t +~ amt 7~' ~ d you usbtaetae wrh tnid pstira ere reiea.. iotsntsdaa.beetyoa to a rattiltoitiar Battatlitr. GnOeiir bmeett ttteyr br ~ or tamioed »imaee,rodcer.l'br bttea0le mry br pno.idea by tbltd ~ wa es ape tiebis tb~r anrh baaatHM a< fbr m. aedoee err omieaiorts otrtba tbM paettas. lbS CuRat~-. ltyaa mrb a pathrw err are6 adroaa b fitnlltt aorm% for eeeeedais d bs omvsttd itteo US I)otists abet Visa err MaMSrC7ed ttbrlatlos d Vie a MareQrd map d>arP yes a oeoessiae Iba 'The rats d ettbat ate for aonvaioa data trtyr dN6 tone for rats mod a rbr ttesaelloa dsia .~ this communication is from a debt collector an' ,, an attampt !o railect a debt. Any information retained ~InN be used fns rh~t ~~~...~.... Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Attorney ID # 94055/201259 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 Attornevs for Plaintiff FILED-OF I= ICI . F THE nUTNONOTAV 201 I FEB 28 AM 10* 51 c PENNSY?VA" 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. 10-62211 V. BRENT SAVILLE 27 MOUNT ROCK RD. NEWVILLE, PA 17241 Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respectfully,Sjabmitted, 09-87929 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 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. 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. 10-62221 V. BRENT SAVILLE 27 MOUNT ROCK RD. NEWVILLE, PA 17241 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Dismiss upon Brent Saville, by First Class Mail, Postage Pre-Paid, a copy It- thereof on this U"" day of February, 2011 , to: Brent Saville 27 Mount Rock Rd. Newville, PA 1724 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 09-87929 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.