HomeMy WebLinkAbout10-6620SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
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Jody S Smith
Chief Deputy 'C ~`~
Richard W Stewart
Solicitor ~~c~~~ ~-~ -..r ~..ERtF~
Portfolio Recovery Associates, LLC Case Number
vs.
Deborah K. Peiffer 2010-6620
SHERIFF'S RETURN OF SERVICE
10/25/2010 07:51 PM -Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on
October 25, 2010 at 1951 hours, she served a true copy of the within Complaint and Notice, upon the
within named defendant, to wit: Deborah K. Peiffer now known as Deborah K. Miller, by making known
unto herself personally, at 76 Autumn Lane, Enola, Cumberland County, Pennsylvania 17025 its contents
and at the same time handing to her personally the said true and correct copy of the same.
A DA BAU ,DEPU
SHERIFF COST: $41.94
October 26, 2010
SO ANSWERS,
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RON R ANDERSON, SHERIFF
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PORTFOLIO RECOVERY :COURT OF COMMON PLEAS
ASSOCIATES, LLC, :CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
v. No: 10-6620- CIVIL TERM
DEBORAH K. PEIFFER, Civil Action -Law
Defendant
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NOTICE TO PLEAD ~-~' ° rn~
To: Portfolio Recovery Associates, LLC t '~ `'"' ~ +o
c/o David J. Apothaker
Esquire A° ~ ~~'
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Apothaker and Associates, P.C. ~~
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520 Fellowship Road C306 ~- i
Mount Laurel, NJ 08054 -< .
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You are hereby notified to plead to the enclosed Preliminary Objections within
twenty (20) days from the date of service hereof or a default judgment may be entered
against you.
Date: I I ~/ f /p
Respectfully S fitted,
Mic ael . Pyk squire
I.D. # 5 851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant, Deborah K. Peiffer
Michael J. Pykosh, Esquire
ID # 58851
Dethlefs-Pykosh Law Group, LLC
2132 Market Street
Camp Hill, Pennsylvania 17011
Telephone - (717) 975-9446
Fax - (717) 975-2309
movkos}i.'ci,.dnlelaw,com _ Attorney for Defendant
PORTFOLIO RECOVERY :COURT OF COMMON PLEAS
ASSOCIATES, LLC, :CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
v.
No: 10-6620- CIVIL TERM
DEBORAH K. PEIFFER, Civil Action -Law
Defendant
DEFENDANT'S PRELIMINARY OBJECTIONS TO
PLAINTIFF'S COMPLAINT
AND NOW, comes the Defendant, Deborah K. Peiffer, by and through her
attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files
his Preliminary Objections to the Plaintiff's Complaint, and avers as follows:
Plaintiff filed suit against Defendant alleging that Defendant owes money to
Plaintiff arising out of an account issued by Capital One Bank of which Plaintiff
Claims to be the Original Creditor. Comp. ¶ 1 and 3.
2. The Complaint was filed on October 18, 2010.
First Preliminary Objection- Pa. R.C.P. 1028(a)(2)- Failure to conform to rule of
court (failure to state whether agreements is oral or written, state its terms,
and/or attach written contract upon which the claim is based)
3. The Complaint avers the existence of some type of contract between the parties,
referred to as the "account."
4. Pursuant to Pa. R.C.P. 1019(h), where a claim asserted is based upon an
agreement, the pleading must state whether the agreement is oral or written.
5. The Complaint does not indicate whether the agreement is oral or written.
6. Pursuant to Pa. R.C.P. 1019(1), if the agreement is written, it must be attached to
the pleading or, if not, the pleader must explain its absence and set forth the
substance of the agreement. More specifically, Plaintiff has failed to attach the
original LoanlCredit Agreement signed and dated, including both original and
amended terms and conditions applicable to the credit card agreement. Asset
Acceptance, LLC v Margaret Madden Order dated March 18, 2009, No. 2912 of
2008 GD (Fayette County 2009) citing Atlantic Credit & Finance, lnc. v Guiliana,
829 A.2d 340 (Pa. Super. 2003). Plaintiff has also failed to attach "other periodic
mailings detailing changes to the terms of the contract Remit Corporation v Miller,
5 Pa. D&C 5th 43, 45 (Centre Cty., 2008)
7. The Plaintiff has failed to describe the terms of the agreement, nor has it
attached a copy of a written agreement or explained its absence.
Second Preliminary Objection- Pa. R.C.P. 1028(a)(2)- Failure to conform to rule
of court (Improper Verification)
8. Pa. R.C.P. 1024 required that every Complaint be verified by a Party, unless the
party is without sufficient knowledge or information with which to verify, or,
alternatively, that the party is outside the jurisdiction of the court and its verification
cannot be obtained within the time allowed for pleading. Pa. R.C.P. 1024(c)(1) and
(2).
9. The Complaint is verified by counsel of record for the Plaintiff, and not an
employee or other agent of the Plaintiff.
10. The Verification does not state that the party was unable to sign it "within the time
allowed for pleading," nor the reason why the Verification is not made by a party,
as required by Pa. R.C.P. 1024(c).
Third Preliminary Objection- Pa.R.C.P. No. 1028(a)(2)-Failure to conform to rule
of court (failure to attach written assignments of debt)
11. The Plaintiff is not the original creditor, but rather assignee of the original
creditor. Comp. ¶ 1 and 3. Since the Plaintiff s right to maintain an action as an
assignee is predicted upon written assignment or agency agreement, that writing
must be attached to the Complaint, pursuant to Pa. R.C.P. 1019(1).
12. By failing to attach a copy of the assignment of the debt to the Plaintiff, the
Complaint does not comply with an express rule of court, in violation of Pa. R.C.P.
102$(a)(2). See Remit Corporation v Miller 5 Pa. D&C 5th 43 and Capital One
Bank v. Clevenstine, 7 Pa. D&C 5th 153
Fourth Preliminary Objection- Pa. R.C.P. 1028(a)(5) Plaintiff is stranger to
Defendant
13. Pa. R.C.P. 2002(a) required that an action be brought by the real party in
interest.
14. By failing to attach a copy of the necessary writing by which the Plaintiff would
become the assignee of the account and thus the real party in interest or an
agency agreement, the Plaintiff has failed to conform with the requirements of the
aforesaid rule.
15. Plaintiff has not shown standing or capacity to sue Defendant.
16. Since this matter was not brought by the real party in interest it must be
dismissed.
Fifth Preliminary Objection- Pa. R.C.P. No. 1028(a)(4)- Demurrer
17. The Plaintiff has failed to allege facts sufficient to maintain a cause of action for
Breach of Contract.
Sixth Preliminary Objection- Pa. R.C.P. No. 1028(a)(3)
18. The Complaint contains only a general assertion of the amount the Plaintiff
claims is owed by the Defendant. It provided no detail as to the date(s) on which the
debts were incurred, the amounts incurred on each date, the dates or amounts of
payments, nor dates of accrual and amounts of interest charges and other fees.
19. Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be
included in a Complaint of this type.
20. By not including the requisite detail of the account, the Complaint fails to conform
to an express rule of Court.
WHEREFORE, the Defendant respectfully requests that her Preliminary
Objections be sustained, and that Plaintiff's Complaint be dismissed with prejudice.
RespectfuN~ySubmitted,
Date: `~ U
Michael J. Pykosh, Esquire
I.D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
(717)975-9446
PORTFOLIO RECOVERY
ASSOCIATES, LLC,
Plaintiff
v.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
No: 10-6620- CIVIL TERM
DEBORAH K. PEIFFER, Civil Action -Law
Defendant
CERTIFICATE OF SERVICE
I hereby certify that a copy of the foregoing Defendant, Deborah K. Peiffer's,
Preliminary Objections to Plaintiff s Complaint, was hereby served by depositing the
same within the custody of the United States Postal Service, First Class, postage
prepaid, addressed as follows:
Portfolio Recovery Associates, LLC
c/o David J. Apothaker, Esquire
Apothaker and Associates, P.C.
520 Fellowship Road C306
Mount Laurel, NJ 08054
Resnectf~ly Submitted.
Date:
Michaal J. Pykosh, Esquire
I . D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant
VERIFICATION
I, Deborah K. Peiffer, hereby verify that the statements of fact made in the
foregoing documents are true and correct to the best of my personal knowledge,
information and belief. I understand that any false statements therein are subject to the
criminal penalties contained in 18 Pa C. S. Section 4904, relating to unsworn
falsification to authorities.
Date: ~~ f ~/Zd/l~ ~~ /1~
Deborah K. Peiffer
Our File No.: 242915
APOTHAKER & ASSOCIATES, P.C.
By: Benjamin J. Cavallaro, Esquire
Attorney I.D. #307949
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorneys for Plaintiff
PORTFOLIO RECOVERY ASSOCIATES, )
LLC )
140 CORPORATE BOULEVARD )
NORFOLK, VA 23502 ) NO
Plaintiff, )
VS. )
DEBORAH K PEIFFER )
76 AUTUMN LN )
ENOLA, PA 17025 )
Defendant. )
NOTICE
OP T14LPiZH4NOTARY
2010 DEC 13 PM 1: 09
CUMMERLAND COUNTY
PENIN'sYLVANIA
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
10-6620 (:IVILTERM
Civil Action
You have been sued in court. If you wish to defend against the claims set forth in the following pages,
you must take action within twenty (20) days after this complaint and notice are served, by entering a written
appearance personally or by attorney and filing in writing with the court your defenses or objections to the
claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a
judgment may be entered against you by the court without further notice for any money claimed in the
complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other
rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A
LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO
FIND OUT WHERE YOU CAN GET LEGAL HELP.
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.
CUMBERLAND COUNTY BAR ASSOCIATION
34 S. BEDFORD ST.
CARLISLE PA 17013
717-249-3166
Our File No.: 242915
APOTHAKER & ASSOCIATES, P.C.
By: Benjamin J. Cavallaro, Esquire
Attorney I.D. #307949
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorneys for Plaintiff
PORTFOLIO RECOVERY ASSOCIATES, )
LLC )
140 CORPORATE BOULEVARD )
NORFOLK, VA 23502 )
Plaintiff, )
vs. )
DEBORAH K PEIFFER )
76 AUTUMN LN )
ENOLA, PA 17025 )
Defendant. )
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.: 10-6620 CIVILTERM
Civil Action
AMENDED COMPLAINT
FIRST COUNT
1. Plaintiff is PORTFOLIO RECOVERY ASSOCIATES, LLC ("Plaintiff'), 140 CORPORATE
BOULEVARD, NORFOLK, VA 23502.
2. Defendant is DEBORAH K PEIFFER ("Defendant"), an adult individual residing at 76 AUTUMN
LN ENOLA, PA 17025.
3. Defendant applied for, received and used a credit account issued by CAPITAL ONE BANK, account
number ending in 0294 ("Account"), pursuant to a written agreement in effect at all times relevant herein.
4. Attached hereto and incorporated by reference herein is a copy of the Cardmember Agreement, an
Affidavit of Assignment, and a Capital One Cycle Facsimile Report for the Account.
5. Under the terms of the agreement, Defendant was given the right to use the Account to make purchases,
cash advances, and/or balance transfers.
6. Defendant, in return, promised to timely pay the principal balance accumulated plus interest, fees and
penalties where applicable.
7. Defendant's use of the Account in the manner described above constituted acceptance of the terms of
the agreement.
8. Defendant defaulted under the terms of the agreement by failing and refusing to make timely payments
on the Account, although demand was made for same.
9. The Account was opened on or about December 12, 2007.
10. The last payment on the Account was recorded on or about July 07, 2008.
11. The Account was charged off on or about February 10, 2009 with an outstanding balance of $1,240.06.
12. The attached Capital One Cycle Facsimile Report evidences the charge-off balance for the Account.
13. The balance on the Account increased since charge-off due to the accrual of contractual and/or statutory
interest.
14. Plaintiff purchased the Account on March 5, 2009 and presently owns and holds the Account.
15. The Affidavit of Sale attached hereto evidences the chain of title for the Account.
16. Plaintiff has suffered monetary damages in the amount of $1,276.14.
WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of
$1,276.14 and requests this Court award costs to the extent permitted by applicable law.
SECOND COUNT - QUANTUM MERUIT
The averments contained in the First Count of Plaintiffs Amended Complaint are incorporated as
though fully set forth herein:
17. Defendant opened an account with CAPITAL ONE BANK, account number ending in 0294.
18. Defendant used, accepted and benefitted from the Account to CAPITAL ONE BANK's detriment.
19. Defendant was aware that CAPITAL ONE BANK provided these benefits and expected to be paid in
return.
20. Under the circumstances, it is inequitable for defendant to retain the benefits of use of the Account
without payment of value.
21. Plaintiff purchased the account and presently owns and holds the Account.
22. Plaintiff has suffered monetary damages in the amount of $1,276.14.
WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of
$1,276.14 and requests this Court award costs to the extent permitted by applicable law.
APOTHAKER & ASSOCIATES, P.C.
Attorney for Plaintiff
A Law Firm Engaged iry,Debt Collection
BY:
Esquire
Dated: December 8, 2010
VERIFICATION
I, Benjamin J. Cavallaro Esquire, hereby verify subject to the penalties of 18 Pa.C.S. §4904 relating to unsworn
falsification to authorities that I am counsel for Plaintiff in this action, that I make this Verification based upon the
facts as supplied to me by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of
the court, and that the facts set forth in the foregoing Civil Action Complaint are true and correct to the best of my
knowledge, information, and belief.
APOTHAKER & ASSOCIATES, P.C.
Attorney for Plaintiff
A Law Firm Engaged ilrjDebt Collection
BY:
J./C#allaro, Esquire
Date: December 8, 2010
Defendant's Name: DEBORAH K PEIFFER
Account Number: ending in 0294
Our File No.: 242915
APOTHAKER & ASSOCIATES, P.C.
By: Benjamin J. Cavallaro, Esquire
Attorney I.D. #307949
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorneys for Plaintiff
PORTFOLIO RECOVERY ASSOCIATES,
LLC
140 CORPORATE BOULEVARD
NORFOLK, VA 23502
Plaintiff,
VS.
DEBORAH K PEIFFER
76 AUTUMN LN
ENOLA, PA 17025
Defendant.
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO.: 10-6620 CIVILTERM
Civil Action
CERTIFICATION OF SERVICE
I, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on December 8, 2010, I mailed a
copy of Plaintiff's Amended Complaint by Regular mail to:
MICHAEL PYKOSH, ESQUIRE
2132 MARKET ST
CAMP HILL, PA 17011
APOTHAKER & ASSOCIATES, P.C.
Attorney for Plaintiff
A Law Firm Engaged ' Debt Collection
BY:
Esquire
Dated: December 8, 2010
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ARBITRATION AGREEMENT M-75733
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AFFIDAVIT OF ASSIGNMENT
I am an authorized agent of Capital One Bank (USA), National Association
("Seller") which owned the account of the customer(s) named below under the
account number specified. The account was subsequently sold, assigned and
transferred to Portfolio Recovery Associates, Inc. ("Buyer")
on or about Mar 05, 2009.
The statements in this affidavit are based on the computerized and hard copy
books and records of the Seller, maintained in the ordinary course of business,
the entries having been made by a regularly operated business. The affiant is
authorized to make the statements and representations herein.
Customer(s): PEIFFER,DEBORAH K
Account Number: 5178057232000294
A computerized ending balance and charge off date were maintained on the
Seller's database.
The end balance showing on the books and records of the Seller at the time of
the assignment of the account to Buyer was $ 1258.10 on Mar 05, 2009.
The charge off date maintained on the Seller's database for this account is Feb
10, 2009.
Dated this day of _ Month( Qyear.
NAME:
Duly sworn to before me this day of _ 1T Montlt2-10JOYear.
N PUBLIC
My Commission expires:
Oone?ion?W =P46b
Wandlosoft0w"
1 20100209_RMAPRA_5178057232000294_5178057232000294_20090210_stmt.txt
CYCLE # 09 CAPITAL ONE CYCLE FACSIMILE REPORT
01/10/2009 - 02/09/2009 PAGE 4340
ACCT-ID: 10006812473 CARD# 5178057232000294 STMT-TYPE: ENGLISH REWARDS: N
FEE-FOR-BALANCE: N
PREV-BAL: $1,139.27 PAYMENT&CREDITS: $0.00 FINANCE CHRGS:
S22.79 TRANSACTIONS: 578.00
NEW-BALANCE: $1,240.06 MINIMUM PAYMENT: $331.00 LATE FEE:
$39.00 DUE-DATE: 03062009
CREDIT-LIMIT: 500 CREDIT-AVL: 0.00 CASH-LIMIT: 500
CASH-AVL: 0.00 OVERALL-APR: 23.150
TPC . MP HOLD: 000 CLOSE-DATE: OOB: N MISS-ADDR: N WATCH: WO CRDT-REV: PD
OL: 11 PD: 07 CTC IND: INS: 511 PC: 0000000001
ARCH: N REASON: 00 HARDCOPY: 04 NEW: N EBPP: N SERVICE-OWNER: 000011 SAC-PGM:
CLOSE: CHARGED-OFF: XFER: FRAUD:
BK-HOLD: N BANKRUPTCY: N CHARGEOFF: N LEGAL: N FRAUD: N TRANSFER: N CTC-CHG-IND:
PROBE-IDS: LINE: DELQ: OVLM: AUTH: REIS: PROD:
PRIG: USR1: USR2: USR3:
MESSAGE-IDS: PAST-DUE: INSURANCE: TRIAD M1: R0002 TRIAD M2:
TRIAD M3: XFR:
AMOUNT RATE CORR APR FINANCE CHARGE TBAL C/I BALANCE
DEBORAH K PEIFFER Purchases 0001 01
1,158.99 00.0634200 0023.150000000 22.79
76 AUTUMN LN Cash 0002 O1
0.00 00.0634200 0023.150000000 0.00
ENOLA
PA 1702521x576
US
TRANSACTION DATA
TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION
TRANS-AMOUNT POSTDATE C/D FC CARD NUMBER
02032009 PAST DUE FEE
39.00 02032009 D N5178057232000294
02092009 OVERLIMIT FEE FEB 09, 200 9
39.00 02092009 D N5178057232000294
Page 1
PORTFOLIO RECOVERY : COURT OF COMMON PLEAS
ASSOCIATES, LLC, : CUMBERLAND COUNTY,
PENNSYLVANIA c 4 y
Plaintiff
rr
?°
M
V.
No: 10-6620- CIVIL TERM
°Q
DEBORAH K. PEIFFER, Civil Action - Law ,ti
Defendant ; c ,
-? co .;.
NOTICE TO PLEAD
To: Portfolio Recovery Associates, LLC
c/o David J. Apothaker, Esquire
Apothaker and Associates, P.C.
520 Fellowship Road C306
Mount Laurel, NJ 08054
You are hereby notified to plead to the enclosed Preliminary Objections within twenty
(20) days from the date of service hereof or a default judgment may be entered against you.
Date: 11511
Respectfully Submitt ,
Michael J. Py osh, Esquire
I.D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant, Deborah K. Peiffer
Michael J. Pykosh, Esquire
ID # 58851
Dethlefs-Pykosh Law Group, LLC
2132 Market Street
Camp Hill, Pennsylvania 17011
Telephone - (717) 975-9446
Fax - (717) 975-2309
mpykosh(ii dplelaw corn Attorney for Defendant
PORTFOLIO RECOVERY : COURT OF COMMON PLEAS
ASSOCIATES, LLC, : CUMBERLAND COUNTY,
PENNSYLVANIA
Plaintiff
V.
No: 10-6620- CIVIL TERM
DEBORAH K. PEIFFER, Civil Action - Law
Defendant
DEFENDANT'S PRELIMINARY OBJECTIONS TO
PLAINTIFF'S COMPLAINT
AND NOW, comes the Defendant, Deborah K. Peiffer, by and through her attorneys
Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files his Preliminary
Objections to the Plaintiff's Complaint, and avers as follows:
1. Plaintiff filed its original Complaint in this matter on October 18, 2010.
2. Defendant filed Preliminary Objections on November 3, 2010.
3. Plaintiff filed an Amended Complaint against Defendant on or about December 13, 2010
alleging that Defendant owes money to Plaintiff arising out of an account issued by Capital
One Bank of which Plaintiff Claims to be the Original Creditor. Comp. ¶ 1 and 3.
4. Defendant filed instant Preliminary Objections.
First Preliminary Objection- Pa. R.C.P. 1028(a)(2)- Failure to conform to rule of court
(failure to state whether agreements is oral or written, state its terms, and/or attach
written contract upon which the claim is based)
5. The Complaint avers the existence of some type of contract between the parties, referred
to as the "account."
6. Pursuant to Pa. R.C.P. 1019(h), where a claim asserted is based upon an agreement, the
pleading must state whether the agreement is oral or written.
7. The Complaint does not indicate whether the agreement is oral or written.
8. Pursuant to Pa. R.C.P. 1019(i), if the agreement is written, it must be attached to the
pleading or, if not, the pleader must explain its absence and set forth the substance of the
agreement. More specifically, Plaintiff has failed to attach the original Loan/Credit
Agreement signed and dated, including both original and amended terms and conditions
applicable to the credit card agreement. Asset Acceptance, LLC v Margaret Madden
Order dated March 18, 2009, No. 2912 of 2008 GD (Fayette County 2009) citing Atlantic
Credit & Finance, Inc. v Guiliana, 829 A.2d 340 (Pa. Super. 2003). Plaintiff has also failed
to attach "other periodic mailings detailing changes to the terms of the contract Remit
Corporation v Miller, 5 Pa. D&C 5th 43, 45 (Centre Cty., 2008)
9. The Plaintiff has failed to describe the terms of the agreement, nor has it attached a copy
of a written agreement or explained its absence. Plaintiff has attached a "Customer
Agreement" that does not address the rate of interest, does not provide the TILA Account
disclosures and does not meet the requirements of the cases cited in this paragraph.
Second Preliminary Objection- Pa. R.C.P. 1028(a)(2)- Failure to conform to rule of court
(Improper Verification)
10. Pa. R.C.P. 1024 required that every Complaint be verified by a Party, unless the party is
without sufficient knowledge or information with which to verify, or, alternatively, that the
party is outside the jurisdiction of the court and its verification cannot be obtained within
the time allowed for pleading. Pa. R.C.P. 1024(c)(1) and (2 ,1.
11. The Complaint is verified by counsel of record for the Plaintiff, and not an employee or
other agent of the Plaintiff.
12. The Verification does not state that the party was unable to sign it "within the time
allowed for pleading," nor the reason why the Verification is not made by a party, as
required by Pa. R.C.P. 1024(c).
Third Preliminary Objection- Pa. R.C.P. No. 1028(a)(4)- Demurrer
13. The Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach
of Contract.
Fourth Preliminary Objection- Pa. R.C.P. No. 1028(a)(3)
14. The Complaint contains only a general assertion of the amount the Plaintiff claims is
owed by the Defendant. It provided no detail as to the date(s) on which the debts were
incurred, the amounts incurred on each date, the dates or amounts of payments, nor dates of
accrual and amounts of interest charges and other fees.
15. Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included
in a Complaint of this type.
16. By not including the requisite detail of the account, the Complaint fails to conform to an
express rule of Court.
Fifth Preliminary Objection- Pa.R.C.P. No. 1028(a)(2)-Failure to conform to rule of court
(failure to attach written assignments of debt)
17. The Plaintiff is not the original creditor, but rather Plaintiff claims to be the assignee of
the original creditor. Comp. ¶ 1 and 3. Since the Plaintiff's right to maintain an action as an
assignee is predicted upon written assignment or agency agreement, that writing must be
attached to the Complaint, pursuant to Pa. R.C.P. 1019(i).
18. By failing to attach a copy of the assignment of the debt to the Plaintiff, the Complaint
does not comply with an express rule of court, in violation of Pa. R.C.P. 1028(a)(2). See Remit
Corporation v Miller 5 Pa. D&C 5th 43 and Capital One Bank v. Clevenstine, 7 Pa. D&C 5th
153
19. Plaintiff has attached an Affidavit of Assignment that purports to retrospectively
evidence the assignment of Defendant's account to Portfolio Recovery Associates, Inc.
Portfolio Recovery Associates, Inc. is not the Plaintiff in this action.
Sixth Preliminary Objection- Pa. R.C.P. 1028(a)(5) Plaintiff is stranger to Defendant
20. Pa. R.C.P. 2002(a) required that an action be brought by the real parry in interest.
21. By failing to attach a copy of the necessary writing by which the Plaintiff would become
the assignee of the account and thus the real party in interest or an agency agreement, the
Plaintiff has failed to conform with the requirements of the aforesaid rule.
22. Plaintiff has not shown standing or capacity to sue Defendant.
23. Since this matter was not brought by the real party in interest it must be dismissed.
Seventh Preliminary Objection- Pa. R.C.P. 1028(a)(4) Demurrer
24. Plaintiff's Complaint is based upon contract.
25. The Second Count of Plaintiff s Count is based upon a theory of quantum merit.
26. The Pennsylvania Supreme Court has ruled that the Doctrine of Unjust Enrichment is
inapplicable where the relationship between the parties is founded upon a contract. Lustfield v
Milne 5 Pa. D&C. 5th 469 citing Wilson Area School District v Skepton 586 Pa 513 (2006).
Eighth Preliminary Objection- Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule
of Court
27. Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection based upon
the failure of a pleading to conform to law or rule of court or inclusion of scandalous or
impertinent matter.
28. Plaintiff's Complaint is based upon a contract.
29. The Second Count of Plaintiff's Complaint is based upon a theory of quantum merit.
30. The Pennsylvania Supreme Court has ruled that the Doctrine of Unjust Enrichment is
inapplicable where the relationship between the parties is founded upon a contract. Lust field v
Milne 5 Pa. D&C. 5th 469 citing Wilson Area School District v Skepton 586 Pa 513 (2006).
WHEREFORE, the Defendant respectfully requests that her Preliminary Objections be
sustained, and that Count II of Plaintiff's Complaint be dismissed with prejudice.
Date:
Respectfully Sub ed,
Michael J. Pykosh, Esquire
I.D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
(717)975-9446
PORTFOLIO RECOVERY
ASSOCIATES, LLC,
PENNSYLVANIA
Plaintiff
V.
No: 10-6620- CIVIL TERM
DEBORAH K. PEIFFER, Civil Action - Law
Defendant
CERTIFICATE OF SERVICE
I hereby certify that a copy of the foregoing Defendant, Deborah K. Peiffer's,
Preliminary Objections to Plaintiffs Amended Complaint, was hereby served by depositing
the same within the custody of the United States Postal Service, First Class, postage prepaid,
addressed as follows:
Portfolio Recovery Associates, LLC
c/o David J. Apothaker, Esquire
Apothaker and Associates, P.C.
520 Fellowship Road C306
Mount Laurel, NJ 08054
Date: 15 i i
: COURT OF COMMON PLEAS
: CUMBERLAND COUNTY,
Respectfully Submi d,
Michael J. Pykosh, Esquire
I.D. # 58851
2132 Market Street
Camp Hill, Pennsylvania 17011
Attorney for Defendant
VERIFICATION
I, Deborah K. Peiffer, hereby verify that the statements of fact made in the foregoing
documents are true and correct to the best of my personal knowledge, information and belief. I
understand that any false statements therein are subject to the criminal penalties contained in 18
Pa C. S. Section 4904, relating to unsworn falsification to authorities.
Date:
"5 Z40 Deborah K. Peiff r
Our File No.: 242915
APOTHAKER & ASSOCIATES, P.C.
BY:, David J. Apothaker, E quire
Attorney I.D.# 38423
520 Fellowship Road C306
Mount Laurel, NJ 08054
(800) 672-0215
Attorney for Plaintiff
PORTFOLIO RECOVERY )
ASSOCIATES, LLC )
Plaintiff, )
vs. )
DEBORAH K PEIFFER )
Defendant. )
TO THE PROTHONOTARY:
r-u -Dw F1C;t
=l1.L
FIF~ t RO
PENNSYLVANIA TY
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
NO. 10-6620 CIVILTERM
Kindly dismiss this agion without prejudice.
AP?THAKER & ASSOCIATES, P.C.
Attorneys for P tiff
A Law Firm Engaged fin ebt Collection
By:
David J. Apot'haker, Esquire
Dated: 2/18/2011
11111111M1111111111