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HomeMy WebLinkAbout10-7716Robert N. Polas, Jr., Esquire PA Bar # 201259 1~,1 Came A. Brown, Esquire PA Bar # 94055 F'~~Ep-OFFICE Portfolio Recovery Associates,LLC p~ ~}~~ PROTHONp7ARY 140 Corporate Blvd. Norfolk, VA 23502 _ TELE: 1-866-428-8102 ~~~~ ~LC ~ ~ ~*'~ ~ ~ ~ ~~ FAX: 757-518-0860 G U ~'1 Q E !; L~ ~" D C G U Pd 7 Y Attome for Plaintiff ra , 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. KEITH R RAMSEY 106 HAMPDEN AVE CAMP HILL PA 17011 Defendant No. JD `7 ~ r ~ ~~, i ~ ~~ NOTICE . . , You have been sued in Court. If you wish to defend against t$e claims set forth in the following pages, you must take action wihing twenty (20) days after this Complaint acid 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 HIltING 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 32 South Bedford Street ~/~,~, d d ~ ~- ~J Carlisle, PA 17013 ~~`7 ~--5~~ `7 (717) 249-3166 Pennsylvania Lawyer Referral Service C1~'t ~ 3375 (800) 692-7375 ~`~ sa y7~ This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfollc, 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. KEITH R RAMSEY 106 HAMPDEN AVE CAMP HILL PA 17011 Defendant TICS USTED HA SIDO DEMANDADO/ A EN ~,A' CORTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demands y Aviso es servido, con entrando por escrito una aparencia personahnente o por un abogado y archivando por escrito con la Corte sus defensas o obejciones a las demandas puestas en esate contra usted. usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mss aviso por cualquier dinero reclamdo en la Demands o por cualquier otro reclamo o alivio solicitado por Demandante. usted puede perder dinero o propiedad o otros derechos importante pars usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS ELGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Lawyer Referral Service -CUMBERLAND County Bar Association Court Administrator 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Pennsylvania Lawyer Referral Service (800)692-7375 This communication is from a debt collector and is an. atte~n:pt to collect a debt. Any i3;formation. obtained will be used for that purpose. Robert N. Polas, Jr., Esquire PA Bar # 201259 Came 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 No. , KEITH R RAMSEY 106 HAMPDEN AVE CAMP HILL PA 17011 Defendant ~ ~ ~ ~ • • 's ~ i . • ~ ~ • • ~ • • ~ 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 KEITH R RAMSEY, is an adult individual with last known address of 106 HAMPDEN AVE, CAMP HILL PA 17011. 3. It is averred that Defendant was indebted to MBNA /Bank of America / ************5975on March 18, 1999 with account number ************g904 (hereafter referred to as "Account"). A copy of the account history is attached here to and collectively :mazked as Exhibit "A." 4. By using the Account, Defendant agreed to repay any incurred balances and/or chazges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. 5. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. This con~n~unication is from a debt co.U.ec#or and i.s air attempt to co.ll.ect a debt. Any information obtained will 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 October 19, 2007. 8. Plaintiff is the purchaser, assignee and/or successor in interest MBNA /Bank of America / ************5975 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 $12,941.72. 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, KEITH R RAMSEY, in the amount of $12,941.72, 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 10-09305 This conm~unicatian is from. a debt co.llectar a-~d is a~i attem.pt to collect a debt. Any infar~naiion abtained will be used for that i~tzrpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Meryl Dreano hereby states that he/she 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. OCT 2 7 2010 Date By: Custodian of Records •10-09305 .. •. , This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. ,• EXHIBIT A This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************8904 KEITH R RAMSEY Account Holder: KEITH R RAMSEY 106 HAMPDEN AVE CAMP HILL PA 17011 Consumer Account Issuer: Assignee: Account Number: Date Account Opened Date of Last Payment: Date of Charge Off: Balance at Purchase: Purchase Date: Product Code: MC MBNA /Bank of America l ************5975 Portfolio Recovery Associates, LLC ************8904 . , March 18, 1999 October 19, 2007 June 30, 2008 $12,941.72 July 14, 2008 Balance at Purchase: $12,941.72 Less Payments: $.00 Balance Due: $12,941.72 10-09305 ,• . , 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, Meryl DI@ano ,Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: I . 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, 140 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 MBNA /Bank of America / ************5975("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 July 14, 2008. 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 KETTH R RAMSEY ("Debtor") to the Account Seller the sum of $12,941.72 with the respect to account number (************g904), as of July 14, 2008 . • with therL' beixyg np known un-credited payments, counterclaims or.off~sets against the said Yiebt as of the date of the sale. 5. According to the account records of said Aceotmt 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 $12,941.72 . P rtfolio ov As 'ates LL ustodian of Records Subscribed and sworn o before me on ~ of ~ 2010 No blic ~•~ ~`~? NOTARY •• ~ :~ ~' ~ # 32 93'I 10-09305 ~ ~Y CpMMiSS~O~ ~ z ~O ~ % EX g12ES .' C~: 212 013~•~. •. '1~ •. .• S ~~ ~~''•~~EALZ~~•~~• "This communication is from a debt collector and is a~~ atterr~pt to collect a debt. e'111y° ir~farmatian obtained will be used for that purpose. EXHII~IT C BILL aF SALE AND ASS t~NT OF LOANS The ~dersgttad Assi~Cx' (" ) on aid as of the hereof }~reby abso}ute}y ~}}s, tr~fars, asatigrta, sets-ov®r, quite}ins and conveys to Portf©}io Recovery Associates, LLC., a }~ liabi}ity coany organized under the laws of Delaware (" ") wi~out c+eeci~se and without t~presesntatior~s or vwarrantYes of any typs, kitd, charaeter or Vie, express or ir~lied, subject tv Buyer's r~u~ehase ruts as ~ forEfi ~ ~ 8. l and f.2, all of Assignor's right, title and irrterest in and to each of the k idtifi~d in the }oen sclu}e (" .~~ Scl~e") attaech~} hesrcto (tlte ",~~), r with the ri;ht te, a}1 principal, irtt~ast or other p~+occ~ds of any kind with respect to I.aar~ ' ' dne ~d owing as of each Cut-Off Date app}icab}e to such Loans as set i ~ the Low Sa}e Ag~+eeinent purs~nt to which the Loans are being sold (~}u~g btirt not }i~itsd to proc~3s derived from the conversion, voluntary ar invoh~+, of ~y ~' Loans into cam or other }iquidatsd property). DATED: July 1 S, 20x8. ASSIGNOR: FIA CARD SERVICES, N.A. ~~~/, Name: Debra L. Pe}licciaro Title: Assistant Vice President mRN Q~~ Fes: soz.~.o~s s~ ~r nom, nsees s.~ nt, ess e~ aag soaa, rr. nE unu ror a N A W ~` a 3 S]jE$ zsg ~ n ab tip g~~ ~ ~ ~ ~~"~ ~ a~~~~ ~ ~ p~ i~ ~~ ~ ~ ~~ ~~~ ~ ~~ ~~,3 a. ~~~°~~ ~ ~~~ ~ i a #b ~~ ~ 6 ~~a #~[~~ ~ ~g i~~~~~~ ~~a '~ a~i~ ~~~y~s .~ e~j~~~~ai~~ ~i~~~ •~ r~~~~ai~ h~R~~~ai~i6$~'~ ~~i~~ ' ~~a~~l ~i~ a~~~~i~~~ e i$~ ~~~~~bi~ ~~biia~~1~~~~~~~. ~.~~t:: ~td 1~~~B w#E~~f ~i ~~'~~ ~ b~~~s~~~~. b ~~l;~ ~ ~~~jE~~~~~b t~j~~'~3~~~~#i~~~~$a ~''~~i~i~l~~~~a ~~ ~~ ~ ~~7~~3 ~~~ ~~3~~~~~i ~~~6 ~~~~s~~ ~ ~~ ~~~ ~~~ '~~ ~;i ~~' ~~ ~s ~ i~~ ~~ ~~~ r, ~~ ~ ~~ ~~ ~ $f ~~~~~ i j~~ ~j j a s~ i _~~ ~~ ~~~~~~+ ~ i~~ ~~~ ~D~~~r~~~~~~ ~~~~~ (~~y1F~'/~ ~ ~~~~ R~~ ~a i. -~ ~~~~$~~ a # ~~f~~~ ~t~~~~~; ~ ~~~ ~ ~ ~~~ ~~ ii ~ ~ ~~~ ~~ ~ ~~~ ~i ~~~ ~~ a~ ~~ ~~ a... ~~ ¢7 ^^~~ St x ~~ r a`P ~~ ~~ ~ A ~~ ~p ~ ~ ~~~~~~~ ~~ ~~ ~~~ ~g[ ~ ~~ yi~~ ~ ~gf ~~ ~~~~ ~~~~~~~~~~~ a c s ? ~~ l ~~ ,~ d~ 9 ~ ~ ~ ~ ~ ~~~~~~~~~ °~~~ €~~#~ ~ ~,~~.~~ ~R~~~z r ~ - Rr at 1a~ ~ ~~s sad M~ y~~~~t~~~~YEY~-~'~~~~ ~~~~~~ 3 ~g[~+t~± ~~~ ~9 ~ _~~#j ~. ~ eft ~ g• f~~, ~~~9# ~~~c ~~ ~~~~'~ .~L~g~ t~~d ~~e~~T~~ i • p [( i ~ ~~t~~~ ~~ ~~~~~ ~~ ~ t~ q~i~ ~ ~f ~ ' ~~~~~~~ ,red' ~.~ ~ ~ ~~~~~ ~~~~~ , '~E ~ ~ ~~ a~ R ~ ~ ~ ~ ~as~d ~ gr t ~ 9 P • ~ a ~g S~ F ~ .~~ ~4 ~ ~ 3it i ~ P pS ~~ .~t~ ~ a~~S ~~ ~~ ~~ II~ a i S ~ ~S8 .. Ri ~ i;~ s ~ ~ t/ ~~~F ~ i ~~ ~• ~~~ ~~~~~~~~~~~_~ fig; ~ ~~~ ~ R~ ~ ~~~~=~~~~~~~~~k • ~ -: a~ ~ ~~~8~~~ a~~~~ #fa€~ ~ii~~. R~~ ~~~~ ~~ ~ . ~ ~~ ~ ~ ~~ f ~ e~~~~~ ~$ ~ ~ ~ g ~ ~~ ~gR! ~~~~~~~~ ~a~ ro e 0 u N u Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY EE?}} en r ?f... E' 6 3 AM 9 {' .1 f U 'i T ?.. CU M 3- E. P, L €,TFF7`E "#=T?-E '?F:h=F (?`5-??!G„"I tli y Portfolio Recovery Associates, LLC Case Number vs. Keith R. Ramsey 2010-7716 SHERIFF'S RETURN OF SERVICE 12/28/2010 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: Keith R. Ramsey, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as tot a defendant Keith R. Ramsey. Request for service at 106 Hampden Avenue, Camp Hill, Pennsylvania 1 011 is vacant. However, The Camp Hill Postmaster is still delivering Keith R. Ramsey's mail to 10 Hampden Avenue, Camp Hill, Pennsylvania 17011. SHERIFF COST: $46.50 December 28, 2010 SO ANSWERS, RON R AND[ , SHERIFF c, Ceuniyjcit!? S er;fi. Trires '(.Inc.