HomeMy WebLinkAbout11-0330Robert N. Polas, Jr., Esquire PA Bar # 201259
Carrie A. Brown, Esquire PA Bar # 94055
Portfolio Recovery Associates, LLC
140 Corporate Blvd. FILED-OFFICE
Norfolk, VA 23502 OF THE PROTHONOTARY
TELE: 1-866-428-8102
FAX: 757-518-0860 MUM A, J011-'V
Attorneys for Plaintiff
PE r"L`.'h.A
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. a b` - ` ?U L ?-?YIN)
V.
CHRISTOPHER PATTERSON
618 BROOKHAVEN RD
NEW CUMBERLND PA 17070
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
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 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.
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.
CHRISTOPHER PATTERSON
618 BROOKHAVEN RD
NEW CUMBERLND PA 17070
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) 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 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
32 South Bedford Street
Carlisle, PA 17013
(717) 249-3166
Pennsylvania Lawyer Referral Service
(800) 692-7375
This communication is tionn 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 July 11, 2007.
8. Plaintiff is the purchaser, assignee and/or successor in interest MBNA / BANK OF AMERICA /
************8259 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 $1,541.61.
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, CHRISTOPHER PATTERSON, in the amount of $1,541.61, 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
10-03196
This communication is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
VERIFICATION
The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Tangy IWICnbWk
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.
Date : 13 1 11 V
10-03196
By:
1 ( ?
Custo Records
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: ************7608
CHRISTOPHER PATTERSON
Account Holder:
CHRISTOPHER PATTERSON
618 BROOKHAVEN RD
NEW CUMBERLND PA 17070
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 / ************8259
Portfolio Recovery Associates, LLC
************7608
September 29, 1999
July 11, 2007
February 28, 2008
$1,541.61
March 6, 2008
Balance at Purchase: $1,541.61
Less Payments: $.00
Balance Due: $1,541.61
10-03196
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, TNIPHOllenb@* , 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, 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 MBNA / BANK OF
AMERICA / ************8259("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 March 6, 2008. 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 CHRISTOPHER PATTERSON
("Debtor") to the Account Seller the sum of $1,541.61 with the respect to account number (************7608), as of
March 6, 2008 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 $1,541.61 .
Portfolio Recovery Associates, LLC
,11eN /IIIII,II/I
By: _ T!9kjk011enbbCk Custodian of Records PN B R??''•
Subscribed and sworn to before me on C3 of D?.? . 2010 • RAG 04 3?r '
^•"• J! LL 1Y 0.?\
otaryPublic
10-03196
This communication is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
0
BankofAmrica,
EXHIBIT C
BILL OF SALE AND ASSIGNMEM OF LOANS
The undersigned Assignor ("Assignor") on and as of the date hereof hereby
absolutely sells, transfers, assigns, sets-over, quitclaims and conveys to Portfolio
Recovery Associates, LLC., a limited liability company organized under the laws of
Delaware ("") without recourse and without representations or warranties of any
type, kind, character'or nature, express or implied, subject to Buyer's repurchase rights as
set forth in Sections 8.1 and 8.2, all of Assignor's right, title and interest in and to each of
the loans identified in the loan schedule ("Loan Schedule") attached hereto (the ""),
together with the right to all pnocipal, interest or other proceeds of any kind with respect
to the Loans remaining due and owing as of each Cut-Off Date applicable to such Loans
as set forth in the Loan Sale Agreement pursuant to which the Loans are being sold
(including but not limited to proceeds derived from the conversion, voluntary or
involuntary, of any of the Loans into cash or other liquidated property).
DATED: March 12, 2008.
ASSIGNOR: FIA CARD SERVICES, N.A.
41,01 .
Name: Debra L. Pellicciaro
Title: Assistant Vice President
M bNA-i S
Bay 80UNAM
B&d o[ AmmiM "W 8dW
DwtW III, M Paper Hill ft" Wft1k. DR laM
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Ge>?etrre?t
In this Credit Card moment'Pe the wdrd$ "You" and
your' refer to esth and all cif Hie mne who aexerpt
credit card lsauetd by ass or under an account we hold.
This Credit Card Agr" sent WIN Agreement-) oXIats
or this docwmtot and the hums and eondit'l o set fort
In the R quired Pedwal Olscioenaes section of the
aC°a'"pe"YI"e=W air, which is Inwrporated hercir
and made a part herwC The worck -we: -us,..our' an
'MONA Arrrerim- mean MNIA An Oft Bank, NA
WhLm You 8=09 or vse *4 eooount, you a$rese to the
terms In this ApewMt. You should sign Your card
before you use It.
You eorN t to and aulhorbe 1ww4A , any of Its
bo monitor ancllbr
c our mpre.
? or the rewftenawm df any with
mmlvrrfla
AM 00talind terrors not daAnect Iere&t shall have the
meanlrrg es deAned In tfie Riquir®d hbtkrat Disctoaures
sew of Your eaid au ft
MINI- an s
r!ft..
time to time. mO? cbtaln updated Inforrne-
bout You Inciuding, lbt wAm
wma.
_* edit Ir1I
tlon. We nay sham Infonnatfon you with a
udit
Intl awdees and others, Indudirag nerd sett. end
ewMW coatpenim aftated witlr ua. You miry Nqum
UvAl irdormation about you not be shared among our .
affil UM* other than Information owulning 9OWy to
trans"ons eW e4o*nc,ps Wtww you and us (Cr an
MBNA Arr4ocj afliilate), by wrking us at MBN& AMIlate
Information Shwing, P.O. Box l $342, W111nington, DE
198104U2, Ike lrrclude yo, none, addms, home
phone number and all MW4A An wks •aavunt numbers.
W you W v" that tneecurat or is 1ete Information
about you at your aCOptlllt het bw god by us with a
t rcAOtthg fir, wrke to as at. MOK Cwh
R4pWft M. pO. Boat 17414, W&Wngtw or,
1984-7414. 14ft t indW* Your rlarne, eddiM home
phLon`e4aurnber, *rid eo0otmt ntirtibtt
in . WW ehpiiht which
\Y1.. t..il...? k_ .
Ti rsacreo„ RAarrh In )nn7
.. .. ?. .wJwJ vwlt VlW11. V 1%F rnA m4 Ju44aUMa [. V7
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NOW To Use Yong ACOMItt
1 You may use your credit.eW to
?• i
goods or services from POWN ahQ honor the or lase
cwd 1+
MAY aim use your Card to OK6 Cash Advs=. You
may not use d Chec
account k Cash AdrsnM to any other Cash
Advance, to rnlrke a PeYmm on this'or any other cr®d
With us. You may "t use: your account for bt
rs" or mmmerdal purposes,
i Certeln eftblisfunerts
9W cBSlt YOur Pe7eonal shed
Von P%mM"t of YOW=d: In the ew t are are
re *'* d. to pay the ww"tt of a d" fwd in this t*ro
bomm the d*6 is rot p" lbr ar,y reseal, we will
diot pc yaw acMat Fo, a Cwh Main In
. the tf?ldc agai any the iNnOW'!t t
pQoeift rat actueily Inca
It YOO perms ally person to have to your txud
I,
or mount number with the aut%orgWon to MWO a
chmP. You may be iiable far au cram made by that
Person indadina charges for v*kh you may not hm
intended to be liable.
' t on due for Chad Cub Advances and
W 18M 7WW Vfl is the dote you or the parson t4 whM
the dwdc is made payable first dspwtts a coahce the
chick. "Ilse trmnsactlan dote ter s rettujjgd payment (a
Bank Cash hdva") is the date that tt,e corresponding
Payr?nant Poel+ed to your acoounL
You may request a stop p&yMnt on CINick Gbh
AdMa, by poing us with the Check nutnbe.4 dollar
amount, and Payee ply as they oppeur on the Check
Cash Advance. Oral and written MP Payment requests
on Cluck Cash Ad wco are WNcdve for six months (room
the day that we Place the stop pepq mt on your acevurg,
You t`W11ot u61 a Postdaaed Chad Cash AdNp m to
obtain o"* udder your a0wu,"t if you do Postdate a
deck trash Ad"w", *e may eWU to honor it upon PM
smtmsnt or Mum It unpaid to the party which Presented
it to us for payment, without fn either cma *wsltiM the
date shown on the Check Cash Advw4s, We are nowt liable
to You far 19" 100 or cVenee lwwo(Al by you arising out of
the ad*M jv LqW to ta&
You promise to pay us the amounts of credit you
obtain, this includes all punimpua, crib aelvanw, tell,
2
Ti iowlav RAarrh in inn,7
a
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r:.
•w.«. ....a ?rvu? vr 1 141 IlW vvL.'fhTLL?7fiV r? u'
l •....*?M w•... ..wwr?n«?r?..r... rMr1w h?...?.r. .
: you SMAt and Rnano CIMM. 4
You MY Pay the satire amount outatatxiing at any
tmne. You mua PGY each month at least tho Minlinurrr
Payment Shaun or? vac DIOntfrly atgenMt. if You over
pay or it s credit balana is othorwiee created in your
scorsunt, wo wig not
pay lowast on sarh amounts. Your
PaY119M will be allot oW in a rnartrner we defaming. in
most 1114WI M we wlH allocate y(mr P%TAWft to b slaw
I inclWing new trusadlcrts) with lower APRs bakte
balances with higher APRs. This will Nsult in new bel-
an= with a Iuwut rate or irr[ermat b!!
nE paid before air
' other eadsttng balances. All _ i
j 'Your a=At for the billirril c de in Whiche? itgd t
poymen
is recWv14 however, your aiveilable a vcht rmyy not be
increased by the amount of the puyrmM faith your
funds ban cleared. Mt Mun mOtft PAYMM ean-
not be made, In advamn and psyn„#mb made in any
billing cYCk which are greater than the minimum pair
merit due will not atbct your obOptkm to make subae-
quent minimum payments oech moWL We can rated
PsWaft net ftomInKed in U.S. dolor: or not dmom
on a U.S. Hank. o
j w11 a p it
senior ait'k'rr? of MDNA M>et1Ca.
j Ali po tom who Initially or subsequently regmt
acarpt or use t6 account an Individually and toWher
responsible for any outstanding balance. if two or more
persons am responsible to pay any. oubtandlaq balance.
E we may MR= to release any of them from liability until
all of the urespired raids out ",Wing under the account
have boon returned to us &W the balance is paid in full.
R i for RequinWo ImmeMate
?aYi?tele?
You will be in default and wr can require immediate
Payment d all amounts Yft vwe 11. (1) you fail to make
any regairvd Mum* by the POnent DW Doft (;I1. your
New Balance Total am* your credit limit or if we
have tftblbfiad a separate Cash Advance credit grnk
for You, YMN outstanding Cash Advance belano& esLede
Your Cash Advance credit llmlt: or (71 you fall to abicb
by any other terms of this Mont. .
r
j If you dpf'ault, unless prohibited by applicable lave, we
t
3
Ti roeriw R4mrr1% ,)n )nn7
-- -- - - 4WINI vwv vmtc ura PHA PN M 42M ? P. C
can also require you to pay die catleUt(on ahd =it
f we ftxvr in lay collection pnoc?dfnit, and a rea.
RM" atto mays fm if %" refer your aaCOUnt Ibr tope
tion to an stixxn" who is nol uur
Our falltrre to wtercJst any of our?ed employee.
default does not maan that ac are unable to aeYou
than rights upon later deftruft else
v
-fbl?tf Neat
We may allow YOU. b" the to time, to omit a
I
i monthly Mi iap e, it f iwYo yve wtA no* You when this qM0,
Is +n?aiu omit ar PaYntertt, Firiance ChatM
and CMdIt lnsumf" pMMfumt, if any. *#I accrue on
Your bahm" in Pm*m ?? with this I1graemprt. The
month will msthot v ? mW* a mfnimurn payr each
cknw MA* Nt Yow ponnent holiday.
In F®r t C l?t?r
if yew lnt!ur a charge in a kraign
.-
?etn ftd by Visa fitLarn ? • the c;h
UMW or Mestergrd
U.S, dollar amoun o ? Card u asrg Into a
telfulatlons or ennvepion prose, ? in effm at s
time that the trancstdon is pnocessa Currently, those
n'guirttionr and 1'durq provide that the currency
"rtvsrslprr rate to be ueod is •lther (1) a WWO143sle
market raft tx (?h a mmant 4andatad rate In effect
One dsy.prior to the procasIng poment In each ?SM or or date, Increased by one
Wd0WCWd Mtsins this
one pint ss comP d
nine the Cu",
fm conversion aerWce, ' carne peft Conversion "ft In
effect on the pnxsssine date Ma"
ifsr from the rate In
effect on tha tOna"'lon date or fire
Postirt f date.
JIM,
!qLv! Code
shown a D9 cYcfe basins on tiro day ahsr the cfpstng date
your &=Urtt'a Pm-ceding wunthly stamrnent
and ends oq the dosinv date than appam
aroooant'sr statement for the current month. Your
€ pan
J?ootwa F%W* The 1W10w1n9 foes, which art sk Wh
on ur Ord QM? $ra an pj in the
billing cycle
If o in which such( rbaWe accrum (s ) a Lata
Fee; (x) it Your a ,nt is overltrntt (even it I"$ or
Ti itzae4o . RAftr^k 7A •)Mf% 7
-• ?• . ••.. •wn«• IF-" v11111&. vow rM 11Na gvesiaC(m i/1 oe
.: 1
Finance Charges messed by us cause your New Bolan,
'ter T*wl to VMW Your credit limit) an the last day of a
bilf)rt@ cy& an avedtmit Fee is dw"dto your =ou,
as of the day In flea billing eyde that your account Wof
over the Credit Ifmit; (3) it Keturned PIVI nt fte if a pal
meth on )Vert aatount Is returned for inauffkW funds c
krany other reasoe, &M if it is .sid ups SUNwque nt
presentment: (4) a Returned Check Fiee it we retum it
Cho& Galt Adveaw unpaid for mW coma. even 11 the
Check Cads Mm a Is Plid upon subn"uent pnMnt-
rneats (51 if your aamunt -1s opitre ar if You mairetaire ircc
aeooemt b8lance, whatheryou have active dwreing prm.
19M or not, an Annual Pea.
/lbandned Frt"rty tae Unkm prohibited by
appliaebk taw. we .v111 chatgo ymr account, as
Purrhare, for any coats Incurred by us &Uodated vrfth
cumwlying with State abandoned
ACldtloeeiiel /Weoeae pen NW ?ChmMW ??? Imo,
p)eaaa review
the Requirwi rederal oie closures nmft of your card
carrier Wr additiar>ol kit and charges that may apply to
your acwUnt.
'w Sane $
4 You *11 be offered certain to m whicfi writ to sub-'
led to the ("Uktkm outlined fn dw beeifeefttS brochure
provided to you by MANA.Annerft. IVIBRA AmwIL-o
? reserves tho rlsht to adlust, add, or delete aentlfits and
sarvicaa at any acne and without notlee.
t R*!?I & Hplor X0itr Card
We are not liable for any refusd to hunot Your cord
or any Cash Advance or fur any retention of Your caul
by us. any other tank, of any seller or lessor of gppda
or swvkeg,
WC may suSpeerd or tetMIlMe your rlllht to obtain
Credit at any acne for any tenon. Your obligtions
under tills AMement continue even ght your fight to
dbtetin are>A ha, been luapgeded or termfnpted: You
must return all credit grds to us on ftuest, .
' ?N1eTf?p?lllfi
we mayamQ this Asrsenwrlt at any time by addirtd,
S
T.....+.4.... RA.....1. 7A 'fAA7
. . . - .w.-. -NV. M4111. VI U MA M 4W4*Z4W P. O•
d**W. Or ? Aptkable notb AfdVJ*M In apMWiar= v[h t
lam of tha ?atF co( Weal lgw a ,
s the apportaniC%ft of lr ? lmrt. If aq u?ment aim
cheat ea in "' man the dmW and yvu ta)tci
M q 4MIn ht Coded in ? +?untndm M1,
M
to return all cn ft*ve vadlt no may as
tfott. The tip eddevift a: a aotthtlotl of your nqe
or en" hi`her A Mt (Wodirg any hlget
hrzi wid belant?, lp ftqP's or l will Y to the date
Ing the balersodb
a?ndront became fictive. % YoU rE
s credit (Mai with another cart at an ti ?a our
f any time,
1 we I)gy at any terns, and with
! thisQn Your' ount. allay 4U= due on Ito you. u"t
*Wme* or our agar yc
i ac?rourat or tlN9 or ctbli?attons u yet,
ft" nt to antr t4+11ft or entity. Thy
I or entity to whom we ma
shell be entlEW to all of "Y Aid NXImbe
under thin A;r, em ? d a1wor OR&Ms
1 tO the extent
Creft Limit
r
itis
?+rt on
era lly o G hm
yatrr txVd carrfor and Men.
credit limit or hrratn float am to i Wechn t ? r
YOu -if we do. The total arnatmr of crem
r
any tFa:o must not be cram than ouWa,drog at
also ?'e#rllsh a sppnnte "Jr mdti ilmit, We Mai
we do. Your outnpndi ?dlt Omit for CIA Advances. if
end this caste ne Cash Advance balance may not
mince Katie.
Awqftiit *,Credtt Over YPur C
L fink
if you
request 11
In gray farm wtNch, Itg Mted.
would ME* in tither your towl qt
tionsi not fee postocln.)ncludtm
l I Your t limit or Y? Yrwr aocdannt, boot lm n ";on
Gel' mince esteb arm b? ? "?t?t ?f t?er or w , bal. .
credlt f fmit), we n1xYt (1) honor t? ? ?
e
'r'a?ntlY raaaing Your aocUt limit; 2a . rr thWkjWX per
1
and beat the an xot which to MM Than Veit
your credit lWit
h.
as ImmOdlStely dut. or 131 Defuse to honor the requcs
• We May adobe the person who made the mqufrt that
has been refused, if we refuse to horror a Check Cash
Advanes or 63alanee Tmnsler, we may do su by adviatn
the person Pmse'u"S the Check Cash /V ivance or
tklan0e Tlransrer tftat credit has been'mfused. that the
., are Insuffldeat fund'11 to {sy the Check Cash Advance 4
fEaiance Transfer, or in any other manger
If we have pmvlously honored requests for credit over
your credit limit, it doe not meon that we will 180nor
.. further weritmtt.Mquecoe. If wo decide to honor such,
rrqumt, we may assess an Overilulit Fee as provided it
this Agrevilent.
Your Card
Aerie notify us r'h' Ih of the km, theft, or possib
uneutborlsed use ur1W ao=nr it i-M7S966ML
. %1_1
Cro!er?t?l?nlLaw .
This llgreetnent is nwde iq Delawart. It is goveruud
by the laws of the Stafie Of Delaware, wlthout reprd to
its corrfltct of taws principles, and by any applicable
federal laws.
if any part of this AgMnltdnt Is Sound to W invalid,
the rest remains effecciva. Our falcon or delay in am-
cising any of our rights under this Aemement does not
mean that we are unsMe to QxQrdse those rights rata.
lI?OY1
The Arbitration provisions befow apply to you ttnk?ss
YOU were gtvt4 the opportunity to relect the AAStretion
provislons and you did to reject them: in whkb case.
YOU aaroa that any iitipdon btuught by you apinst us
reprdig t nt = i court ? loncatld this
brought
the erStrtitP of Delaware.
ArbkmdOrt; Any deem or dispute I"Claim"j by
either you ur us a44inSt the other. or against the
employees, agents or assigns of the other, arlsing
Prom or relating In any gray to this
prior Agreement or Airccrosnt or any
your eoCount t wbelber under a
atatutr, in contract, (ort, Or othelwlae and whither for
money dilrnages, peneitle6 or declaratory or equitable
rellefl, inducing Claims regarding the applicability of
thiq arbitration Swfon or the validity of chit entire
7
Tsmaefaw RA?-k')n I)nn7
M ,
.
i
F. I
mart 18rry prior moment, shall be reaoivc
binding arbluatiorL
The Wbltr3ti m 049 be Wriducted bD?,)he Nit[rxv+1
ArbltrAft Fbrurn ("NAF'), urdor the Cpde of nroaedur
01*1 at tits "me the Ckam is tiled. ibiWerid forme d
th
CWM rply be (dad at any e NOtlanal AdAtratkM Forum may ?? be oftirlyed attdM
Oak% ? t11Ott.?ln. or P.O Boar J0191,
lkMtungpotis. l4ifrrn "40, Wephons I.6O0-a7b23
the NAi7 is unable or umrilbg W act err W , .
Mff subsdtute anudw neftofly RaogRNd. fir.
de
WOOKIM bt 'W" m orilrniratim that dw a shnllar coda of
a ? ?h! ?4?t. M will adwnre a,,
intattatlve end lWrbtt Ibex
'" Y*" am MqukW to pay to pursue a calm in art
M'On. 'rha arbfMor will clecide who will be ultlmm
ft*% W'l bbr paying thaae fees. in no event wilt you
be required to reimburse us kW any arbitration fl kIC
admNstrat;wr or headrj tees in an amount grunter tttr
*I* YQur cuurt carts would haw bw I the Claim to
beep MWvtd In a stKe quart with )utit tton. Ar,y
arblbatlon bearing at whidr you appear *"I tales plaoo
within the Waned iuchami dlstrkt that includes >b
billing address at the time the Claim in died. This arbM
11M eq;neerrMrt Is made pm wt f o a Mmuctio0 IrWjv,
14 kftstate com memo, OW shall be Smvn r# by the
FedendAft adon Act, 9 U.Q.C. ff 1-16 I-AW). ludtmer
upon any arbltretlon mmrd war be a terad In any avert
hWng judlsdicdon. 71t arbitmtor shall folbw Iodong
std8itdntWe low to the extent ao wkwit vft the FM and
applicable statutes of lirnitad" aril anvil lxww pry
rrai= or pan"s"' "'CU9nW by Iaw. irony party
mque" tho arbkmtor Ohall write as? epinlon ammir ag
ilea ramps for the.g#w.
No Claim submitted to arbitration is heard by a jury
and no Claim nW ba brought as a clams salon or as a
Private attomay.fieneral. You do rwt here the right to act
as a class repreieniet " qt pMrtldpate as a member of a
Class of dalmants vrith respect to any Claim. This
Afttatlon Section applies to all Claims now In eabrum
or that nay ailsr in the tucure.
This. Arbitration Sections shall snrviw the terrttination
of your account with us a; well as any, oLtritwy Pal?'
ment of the debt in full W you, any banlwptcy by you
8
T...,...1.,.. iA.....L. 'fn nnn-7
PennState
Alumni Association
RRcWrGkr CHRlSIOR" PAITERSON
? 825v
FeWuwy 2W8 Statement
C0*L#w $2.40M
Cwh arCAk*AmAe
(ftMM"Mwft0w
Sunmim of Transact s W ft Cyck and Pa !t M kdo oration
Plwkns Bahrm IA12A1 Dep in SAV Cyck 29
Payment: and Crows SOAO Ctoaep Orate 0208
Cab Advamn + »0.00
Pu dwn and Ants + wM Pryn»M Due Dab 03ri 1108
Periodic Rd* F&?wM Chatters + 520.80 Cwwd Payment Ous 343A0
13? F" EhM 0AWS + iO OG Pat Ow Ammm + 5311.01
NeW Balance Total 51, 1.61 Total Ukdnwm
p&OVAM DW
A. BaWme Trans, Checks
8. ATK Bank
040MI % DLY ` 23.14%
0.00504196 DLY' 2334%
A.AASA&M t' V • Y_t 7d9L
Bm*offtwin
ip*
Odt Aokw 1-4041 ti25H
TODWW6V hrp@hW 1•a00.34&V78
AM 1x
?1M
P.Q. Box 16730
V0JA MON. DE 198*6T26
B NKOF ANIEFICA
P.Q. box Im
LWAtMWWON. DE 19ND-S926
If8>< lp
r fArance C/.arg?I
50.00
SD 00
51.520.07
2.74 %
ftwmw 7--7)
OUR RECORDS SHOW YOUR ACCOUNT IS PAST OUE
Chat hq b!r • aasrp. of ^?W .Odr...w pliero
HANK OF AMERICA Plnrpwwal?s?rArsnaonthenv«f..lew
P.O. BOX 15126 t o
WILMINGTON, DE 19886-5726
ACCOUNrAKJBNEFt' 4000110MUN
NEW84LAA"TOTAL: $1.541.81
A4Y DUELMTE.• 03?1V08
CHRISTOPHER PATTERSON
618 BROOKHAEN RD?
NEW CUMHERLND PA 17010-1741-183
H
Penn Star,
Alumni Association
AWN f-, CHRISTOPHER PATTERSON
Match 2008 Stdatt QM
COW* Low *DAo
Cm* aCAxWA mApW-
of Transactions EIS CAM OW Pqp" mt kdom"don
Pf*VIW t 941411 ca $1.541 AI 080 in w w" Cycis 32
Payments and Crams - $1,541.81 Cbskv Dow 03112/00
? and A4ust"w is + $0A0 Payment Due Dale 04/08"
Periodic am* Fmumce Charges + $0.00 Ct~ Payn>tn1 Dua s0A0
Trmnnrotion Fes FNmnm O woes + som Part Ow Amount + sm
New Swam* Total $0.00 otst
Payn+errt OW
BakefAmulm
4w
srasranas s, W.d r
www:hsdaofaasxiq e0rp
Cal 101400 1.400 2M
MDhwmkV ApAftdt-00-U4.3178
AW?gaNr>IS A0
BANK OF A CX
P.O. 90X 15714
WILANNOTON.DE IONS-5714
Mdfinv iirar
BANK OF AMERICA
P.O. BOX Is=
WIWIINGTON.DE i0sx-sm
to
A. Balance Trtrvhm Checks
B. ATM, Bak
0.400000% DLY
040000096 IDLY
0.W%
0.00%
$m
Annud Perantoge Rats for Uft Bluing Period: See Corresponding
Mvitsdss PetRats Rwca Charges and T dcn Fee Fi wwo Cfw9w4 Anrxta! Percentage
Rate Above
014.
PAYMENTS BY PHONE WILL BE MADE ELECTRONICALLY. YOU MAY AUTHORIZE AN ELECTRONIC
PAYMENT BY PROVIDING THE AMOUNT, DATE, YOUR BANK ACCOUNT NUMBER, AND SECU M
WORMAtION. A FEE MAY APPLY. TO CANCEL, CALL US BEFl7RE THE SCHEDULED PAYMENT
DATE. SAME-DAY PAYMENTS CANNOT BE EDITED OR CANCELED. PLEASE KEEP THESE TERMS.
Bret km ter s Won" N no** ?d 1 rn pkm mmew(0
BANK OF AMERICA Aft" P AbtoOm.-ImanGrwrw. oft.
P.O. BOX 25714
WILMINGTON, DL 19886-5724 -
?rrr ?r?n rr?a rr r??rr??e?r?rrw?swe????rr?rte? ACCOLWAVMBEAI: x=1118 9
NEWBALAAM TOTAL. WO
t44 YMENTDW 0A rE. OAKiM
CHRISTOPHER PATTERSON *WAp"WA%fti&Wbw&
618 BROOKHAEN RD =00"00]
NEW CUMBERLMD PA 17070-1741-103
N
AAr aredkr. CHRISTOPHER PATTERSON
.•? 7t)OB
t?
§gEMM ofTraaaaagons
6mUmo 1,54f
Paya wott and C40" - S 1,5l .st
Cash Advances + $Om
Pwdwow wA Adtit0 onla + SOAO
Pwrmk Rate Fkwgm Chargea + SOAD
Transaction F.+ Finaaoa Charon + SD,oO
NOW Sagolm Tote{ $0,00
March 2008 Statement
C N* L* $DA0
Cash arG}eaW'Aws13td1?:
C" V Date - 0312!0)
Payment Due Date 04owce
t Duo
Pat Dub Amount + i0A0
Total Nik*mxn ?
Psymsnt mm ?J
Ba kofAmaim
EgUstm ffinn en ?dvAoaorsN HwGt
wwlrb?.eem
C«at tflad;;14004?e m
TW h4MMWlr VNW I.9*3a0 3178
euec --?-
RAME1iCA
P.O. Sw 1ST21
WlUAMTON,OE /aaW8T21
BANK OF AMUNCA --
P.O.803( iS02lf
;O_wNV[ir 1.0E 1aaSD sm
rte,
and
P kng Transaction
DRte
Dade Hstsreme Account
Number Numbwr r
mount
Catowry
= ACCT
CUmLo" SOLD
P11rChnm
0410
03M
t, 1 6t
+ TRAM HUM 59 1,541 0312 0412 0.00
CatapotY
P*fAx* Rats Caging Annual
AsnoavWVS Raga SaWme SYA*d to
Foynoo CAww
Cash Advances
A. Bab" Tra wbM Checks
B, ATM, Bank
000000% DLY
OADDOOD96 DLY
ow%
OAO%
SOAO
$ODD
Arwww mm up nets for DIs txNng mwNxi:
Qn*das Peiiodtc Rata Fronca Changes and Ttanoa "Fee Finanr a CFtww )
Rate Above
saw
BANK OF AMERICA Grac.Oeito,i aiwpanitne wOnwor
0 nwra aeaact?onaw,t4?wwsr,w, ?,
P.O. BOX 15721
WILMINGTON, DE 19086-5721
1l11? l?!! 1ltda.lll!{!g0l1111 ACtaO!/MT.AEAWBE,It• 4000NNOW 780
A*W B AMCE 70TAL SM E
A4Yi11FNT Di1E MTr• 040M
a
CHRISTOPHER PATTERSON
618 BROOKHABN RD ,1 4 x ew. nr.Wr,w¦ WSUN..t
wo $
i
NEW CUMBERLND PA 17070-1741-183
aa??r?p
chtet
tA?7RlGA
? BAA2C ?
?
Y ., ,
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
???ti1M of cu, b"',41t0
.? =F
FILED-OFFICE
OF THE PROTHONOTARY
2011 JAN 24 PM 2: 41
CU PENNSYLVANIANTY
Portfolio Recovery Associates, LLC Case Number
vs.
Christopher Patterson 2011-330
SHERIFF'S RETURN OF SERVICE
01/20/2011 05:25 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on January
20, 2011 at 1725 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Christopher Patterson, by making known unto himself personally, at 618 Brookhaven
Road, New Cumberland, Cumberland County, Pennsylvania 17070 its contents and at the same time
handing to him personally the said true and correct copy of the same.
SHERIFF COST: $43.30
January 21, 2011
RYAN BURGE
SO ANSWERS,
RON R ANDERSON, SHERIFF
Goun'.Stute Shenff. Te!ec oft. art;.
David D. Buelt
Prothonotary
Office of the Prothonotary
Cum6er[and County, Pennsylvania
marks. Sofionage, ESQ
SoCicitor
/1- 6336 CIVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 28T" DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE —THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH
PA R.C.P.230.2.
BY THE COURT,
DAVID D. BUELL
PROTHONOTARY
One Courthouse Square • Suite100 • CartisCe, TA • 'Phone 717 240-6195 • rFa.x 717 240-6573