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Home My WebLink About11-0325Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie A. Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC FILED-?F6 140 Corporate Blvd. OF THE PRO H NOTARY Norfolk, VA 23502 18 TELE: 1-866-428-8102 1011 A+n.? , "'" FAX: 757-518-0860 , j w T Y Attorneys for Plaintiff CUM g 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. MIRANDA B FIGARD 36 SYCAMORE DR MECHANICSBURG PA 17050 Defendant NOTICE No. o ( S Cl V l -C?er? 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 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Pennsylvania Lawyer Referral Service (800) 692-7375 9) to?b alwrsq)- tf:hj This communication is from a debt collector and is an attempt to collect a debt. C ? * t4s htJ Any information obtained will be used for that purpose. a* a 5?u?1 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 No. V. MIRANDA B FIGARD 36 SYCAMORE DR MECHANICSBURG PA 17050 Defendant NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar action dentro veinte (20) dias 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 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 attempt to collect a debt. Any inforntation obtained w ill 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. 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. MIRANDA B FIGARD 36 SYCAMORE DR MECHANICSBURG PA 17050 Defendant COMPLAINT 1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. 2. Defendant MIRANDA B FIGARD, is an adult individual with last known address of 36 SYCAMORE DR, MECHANICSBURG PA 17050. It is averred that Defendant was indebted to CAPITAL ONE BANK NA on February 2, 2008 with account number ************1319 (hereafter referred to as "Account"). A copy of the account history is attached here to and collectively marked as Exhibit "A." 4. By using the Account, Defendant agreed to repay any incurred balances and/or charges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. 5. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. This conlnianication is from a debt collector and is an attempt to collect 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 November 20, 2008. Plaintiff is the purchaser, assignee and/or successor in interest CAPITAL ONE BANK NA 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 $1,311.58. 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, MIRANDA B FIGARD, in the amount of $1,311.58, plus costs of this action and any other relief as the Court deems just and reasonable. . Robert N. Polas Jr., Esquire # 201254 Carrie A. Brown, Esquire # 94055 09-95277 This communication is from a debt collector aitd is an attempt to collect a debt. Any information obtained will be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, TMHollenbeck 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 unworn falsification to authorities. Date 09-95277 By: 1 Custodi ecords 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: ************1319 MIRANDA B FIGARD Account Holder: MIRANDA B FIGARD 36 SYCAMORE DR MECHANICSBURG PA 17050 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 CAPITAL ONE BANK NA / Portfolio Recovery Associates, LLC ************1319 February 2, 2008 November 20, 2008 June 23, 2009 $1,311.58 July 8, 2009 Balance at Purchase: $1,311.58 Less Payments: $.00 Balance Due: $1,311.58 09-95277 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, Tanya Hollenbeck , Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: 1. 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. I am familiar with the policies and practices, as well as the books and records of Account Assignee with respect to the matters stated herein. This affidavit is based upon my personal knowledge of Account Assignee's record keeping system and my review of Account Assignee's records, including a review of the business records transferred to Account Assignee from CAPITAL ONE BANK NA ("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 8, 2009. Further, 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 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 MIRANDA B FIGARD ("Debtor") to the Account Seller the sum of $1,311.58 with the respect to account number (************1319), as of July 8, 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 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 $1,311.58 . Portfolio Recovery Associates, LLC By: o , Custodian of Records Subscribed and sworn to before me on of Dec. 2010 n O?r31/2(!14 J Public ae ° j1°°?aeaae 09-95277 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 0 AaaMA F trd Flow ebb Sok Apvmut Amt Numbiw 2 alto Fwd r Reaft S A t &god 'FOW-my 0, 2W XML OSAIS JU of $ak h d*"imd pwrAW to that cu%Oa fww+acd Flow Sala AV*omnt, dded 44 cd febimy 6* 209, u wwW4 by and bowm ScOw {wt monow so CWW Ow 904 aid Dayw (do "AFrt at' . AID hdizod t ?MIS,* , W of lave ttre m"Ahw to SU& taraMs r in dw C t. u Ciftff DM *w iii Sob Me J* , CAMAL Oft BANK (USA), NATIONAL ASK)CUnM iidc sobou"WI 20104427_RMAPR1319_1319_20100427_stmt.txt 1 CYCLE # 21 CAPITAL ONE CYCLE FACSIMILE REPORT 03/22/2010 - 04/21/2010 PAGE 4578 ACCT-ID: X3265 CARD# 1319 STMT-TYPE: ENGLISH REWARDS: N TPC: MP HOLD: 000 SAC-PGM: PREY-BALANCE: $1,304.16 PYMTS&CREDITS $0.00 INTR CHRGS : $0.00 TRANSACTIONS: $0.00 NEW-BALANCE : $1,304.16 MINIMUM PYNT : $514.00 LATE FEE $0.00 DUE-DATE : OS/ 18/2010 CREDIT-LIMIT: 500 CREDIT-AVAIL : 0.00 CASH-LIMIT : 250 CASH-AVAIL : 0.00 RPAY-TOTMTHS: 0 RPAY-TOTCOST $0.00 36MA-MTHPAY: $0.00 36MA-TOTCOST: $0.00 INTEREST-CM: $0.00 INTEREST-YTD : $0.00 FEE-AMT-CTO: $0.00 FEE-AMT-YTD : $0.00 HIGH-LATEFEE: $39.00 HIGH-PNLTY-APR: 23.15% OVERALL-APR: 0.000 CLOSE-DATE : 008: N NISS-ADDR: N SK-HOLD: N BANKRUPTCY: N LEGAL: N CTC-CHG-IND: NEW: N EBPP: N ARCH: Y REASON: 04 HARDCOPY: 04 ACTIVE WATCH: WO CRED-RVK: PD CUR-PD: 00 CTC IND: INS: RETURN-MAIL: CLOSE: CHARGED-OFF: 80 XFER: FRAUD: OL: 11 MULTI-INO: S PROV-ID: 000001 US PROF-CNTR: 0000000001 COB SERVICE-OWNER: 000011 Mainstreet OL-OPTIN-IND: TEAL C/I BALANCE AMOUNT RATE CORR APR INTEREST CHRGS MIRANDA B FIGARD Purchases 0001 01 0.00 00.0634200 0023.150000000 0.00 36 SYCAMORE DR Cash 0002 01 0.00 00.0634200 0023.150000000 0.00 MECHANICSBURG PA 17050792536 ' us TRANSACTION DATA SUMMARY NAME: MIRANDA B FIGARD CREDITS: 00000 AMT OF CREDITS: PYMTS : 00000 AMT OF PYMTS . NO CREDIT TRANSACTIONS FOR THIS CYCLE COST TYPE: 0 PRINT AREA: 001 NUM OF $0.00 NUM OF $0.00 NAME: MIRANDA B FIGARD DEBITS : 00000 AMT OF DEBITS NO DEBIT TRANSACTIONS FOR THIS CYCLE CUST TYPE: 0 PRINT AREA: 020 NUM OF $0.00 Page 1 20100427_RMAPRA_11319_9 1319_20090623_stmt.txt 1 CYCLE # 21 CAPITAL ONE CYCLE FACSIMILE REPORT 05/22/2009 - 06/22/2009 PAGE 7749 ACCT-IO: X3265 CAftO# 319 STMT-TYPE: ENGLISH REWARDS: N FEE-FOR-BALANCE: N PREV-SAL: S1,23936 PAYMENT&CREDITS: $0.00 FINANCE CHRGS: $25.60 TRANSACTIONS: $39.00 NEW-BALANCE: $1,304.16 MINIMUM PAYMENT: $514.00 LATE FEE: $39.00 DUE-DATE: 07172009 CREDIT-LIMIT: 500 CREDIT-AVL: 0.00 CASH-LIMIT: 250 CASH-AVL: 0.00 OVERALL-APR: 23.150 TPC : MP HOLD: 000 CLOSE-DATE: OOB: N MISS-ADOR: N WATCH: WO CROT-REV: PD OL: 11 PD: 07 CTC IND: INS: PC: 0000000001 ARCH: N REASON: 00 HARDCOPY: 04 NEW: N EBPP: N SERVICE-OWNER: 000011 SAC-PGM: CLOSE: CHARGED-OFF: XFER: FRAUD: SK-HOLD: N BANKRUPTCY: N CHARGEOFF: N LEGAL: N FRAUD: N TRANSFER: N CTC-CHG-IND; PROBE-IDS: LINE: DELQ: OVLM: RUTH: REIS: PROD: PRIG: USR1: USR2: USR3: MESSAGE-IDS: PAST-DUE: INSURANCE: TRIAD M1: R0002 TRIAD M2: TRIAD M3: XFR: TBAL C/I BALANCE AMOUNT RATE CORR APR FINANCE CHARGE MIRANDA B FIGARD Purchases 0001 01 1,261.59 00.0634200 0023.150000000 25.50 36 SYCAMORE OR Cash 0002 01 0.00 00.0634200 0023.150000000 0.00 MECHANICSBURG PA 17050792536 US TRANSACTION DATA TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION TRANS-AMOUNT POSTDATE C/O FC CARD NUMBER 06152009 PAST DUE FEE 39.00 06152009 D N 1319 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Page 1 SHERIFF'S OFFICE OF CUMBERLAND COUNTY IO Ronny RAnderson r ILED-O__ Sheriff CT THE PROTHONOTARY Jody S Smith Chief Deputy Richard W Stewart Solicitor b 2011 JAN 27 PM 12: 42 CUMBERLAND COUN*FY Portfolio Recovery Associates, LLC Case Number vs. 2011-325 Miranda Beth Figard SHERIFF'S RETURN OF SERVICE 01/21/2011 06:55 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on January 21, 2011 at 1855 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Miranda Beth Figard, by making known unto herself personally, at 36 Sycamore Drive, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $37.00 January 24, 2011 RYAN BURGETT, 07EFUTY SO ANSWERS, RON R ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL.ACTION-LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff No. 2011-325 ' V. MIRANDA B FIGARD 36 SYCAMORE DR MECHANICSBURG PA 17050 .�c Defendant. PRAECIPE TO SETTLE AND SATISFY PLEASE MARK THE JUDGMENT IN THE ABOVE-ENTITLED CAUSE AS SETTLED AND SATISFIED. Respecjfuly Submitted, Ro ert N. Polas, Jr., Esquire#201259 Carrie A. Brown, Esquire, #94055 Mark R. Garvey, Esquire#312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff 09-95277 owk S Q Q This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION-LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff No. 2011-325 V. MIRANDA B FIGARD 36 SYCAMORE DR MECHANICSBURG PA 17050 Defendant. CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Settle and Satisfy u on MIRANDA B FIGARD by First Class Mail, Postage Pre-Paid, a copy thereof on this day of� , 2013, to: MIRANDA B FIGARD 36 SYCAMORE DR MECHANICSBUR A 7050 Date: Ro rt N. Polas, Jr., Esquire#201259 Carrie A. Brown, Esquire, #94055 Mark R. Garvey, Esquire#312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 09-95277 Attorneys for Plaintiff This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.