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HomeMy WebLinkAbout11-5797r (LED-GFFIc IE PROTNONOTAR? 'C! t JUL 21 AH I I : oG aUMBERLAND COUNTY PENNSYLVANIA LAW OFFICES OF HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 123 S. Broad Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 OUR FILE NO. 352585 Attorney for Plaintiff CUMBERLAND COUNTY MIDLAND FUNDING LLC P.O. BOX 939019 SAN DIEGO, CA 92123 Vs. DAVID STOUFFER 1619 S YORK ST MECHANICSBURG PA 17055 "NOTICE CIVIL ACTION `You have bean wed 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 persorMy or by attorney and filing in writing with the court your deforaos or objections to the claims set forth against you You are Waned that if you fail to do so the caw may proceed without you and a judgment may be en- tered agairat you by the overt without further ration for any mon- ey claimed In the oonnplaint or for arry other claim or nMlef requed- ad by the plaintiff. You may bee money or property or other rights Mnportant to you. 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 32 S BEDFORD STREET CARLISLE PA, 17013 800-990-9108 COURT OF COMMON PLEAS CIVIL DIVISION TERM. Civil No. \I-S-101-7 "AVISO "Le hen demandado a used an r aorta. Si uated quiers definderse de wise domarMias expusses on las pigbws eiguiartes, used tiwe voirb (20) dies, de plow al palir de la feahra do Y denanda y Y notiAcad6rr. I laoo bft goer go une cor parencia auxtta o en persona o con un abogedo y enbegm aim ports en forma esata an defense o sus Ali 1 Am roe a be demadas an contra de au persona. Sea aviando que at used no to detferde, to carte tomari rrrotNrdas y puedo ooriiranr r wind ancmb suys sin provio avfeo o notrfcaddn. Adonis„ Y Oonte puede decidir a favor del den ndw*o y regimes quo used curple con todas lea provisions do see dNrar .. Uslod puede padw dkmo o sue propiedodes u otros deredae iapoenles Para used. `LLEVE ESTA DEMANDA A UN ASOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUMSENTE DE PAGAR TAL SERVIGIO, VAYA EN PERSONA O LLAME POR TEL tFONO A LA OFICINA CUYA ENRECC16H SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUiR ASISTENCIA LEGAL. S ?? ?°ta ob get CIL-? 13'1 Co?1 1? CIVIL ACTION 1. Plaintiff, MIDLAND FUNDING LLC, is a business entity with offices located at 8875 Aero Drive, Suite 200, San Diego, CA 92123. 2. Defendant(s) STOUFFER/DAVID is/ are individual(s) residing, upon information and belief, at 1619 S YORK ST, MECHANICSBURG, PA 17055. 3. As set forth in records maintained on behalf of Plaintiff, this action is based upon a credit agreement entered into between Defendant(s) and the original credit grantor. 4. Plaintiff is the current owner of, and/or successor to, the obligation sued upon, and was assigned all the rights, title and interest to Defendant's CHASE BANK USA, N.A. account 4254491200642839 (hereinafter "the account"). >. Defendant(s) used or authorized the use of the account to obtain loans from the original credit grantor for the purpose of obtaining goods and/or services and/or cash advances. 6. The account shows that the defendant(s) owe(s) a balance of $16853.10. WHEREFORE, Plaintiff respectfully requests that judgment be entered in favor of Plaintiff and against Defendant(s) in the amount of $16853.10, together with interest and costs. LAW OFFICES OFA HAYT, HAYT & L , LLC By 4LI114 Arthur Lashin, Esquil Attorney for Plaintiff #23425 Page - 1 8533867604 AFFINDEBT 352585001 Verification Ashley Hoffman, being duly sworn (or affirmed) according to law deposes and says that I am employed as a Legal Specialist for Midland Credit Management, Inc. ("MCM"), servicer of this account on behalf of plaintiff. I am authorized to make this verification on plaintiffs behalf. The facts set forth in the foregoing pleading are true and correct upon information and belief. ;SAY 0 6 2Q?? Date STATE OF MINNESOTA COUNTY OF STEARNS Signed and sworn to (or affirmed) before me on ' Francine M. Semmier -: y ',`.:' -?` i' • NOTARY PUBLIC-MINNESOTA (Seal) -.-> y}h `', My Comm. Exp. Jan. 31, 2015 PA I O Hayt, Hayt & Landau, LLC by Ashley Hoffman. Notary Public My commission expires: Page - 2 8533867604 AFFINDEBT 352585001 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson i F _ .. t Sheriff (?= loft I ii} t , Jody S Smith tiol ?q 4?0tjnhj,,,7 ¢ € i t w t t t l,+l ., r Y Chief Deputy 1 A UG - S P 2: 4 Richard W Stewart ? Solicitor :? °. r ????????AND %; i? ?? ? , ..... _ . aw T , PENNSYLVA1111 A Midland Funding LLC vs. Case Number David Stouffer 2011-5797 SHERIFF'S RETURN OF SERVICE 07/28/2011 08:27 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on July 28, 2011 at 2027 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: David Stouffer, by making known unto Nancy Stouffer, Wife of Defendant at 1619 S. York Street, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. Anfik( omwL AMANDA cbBAUGH,-DEPUTI- SHERIFF COST: $38.44 August 02, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF W '::?Ae She, 1. fti 'It.II1-;. IN THE COURT OF COMMON PLEAS rrn CO CUMBERLAND COUNTY PENNSYLVANIA =av MIDLAND FUNDING LLC Plaintiff vs. DAVID STOUFFER, Defendant Z,r- ?a CaseNo.: 11-5797Civil aC) -v o -? DAVID STOUFFER PRO SE NOTICE OF APPEARANCE NOTICE OF APPEARANCE The undersigned enters an appearance in this action, and demands notice of all further proceedings., The Clerk of Courts and the opposing party will be informed of any and all changes in address. Any and all notices may be sent to the address as indicated below. V August 05, 2011 David Stouffer, I 1619 South York Street Mechanicsburg, PA 17055 (717)790-5535 (facsimile) (717)439-5472 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA MIDLAND FUNDING LLC Plaintiff vs. Case No.: 11-5797 Civil DAVID STOUFFER, Defendant r+ s M c ?. r „?C7 rrp O'=! q C1 =C) Tj ?, N 0 rrt S> ? ANSWER and AFFIRMATIVE DEFENSES I ANSWER Comes now, Defendant, David Stouffer, Pro Se, who denies the following paragraphs of Plaintiff's Complaint: 1. Defendant denies the allegations contained in Paragraph 1 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of alleged assignments and entitlements. 2. Defendant agrees with statement in Paragraph 2 of the Complaint that he is an individual who resides at 1619 South York Street, Mechanicsburg, PA 17055. 3. Defendant denies the allegations contained in Paragraph 3 of the Complaint as there is not, nor has there ever been any agreement, written, oral or implied with the Plaintiff and the Defendant. 4. Defendant denies the allegations contained in Paragraph 4 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of the allegation(s). 5. Defendant denies the allegations contained in Paragraph 5 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of the allegation(s). 6. Defendant denies the allegations contained in Paragraph 6 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of the allegation(s). II AFFIRMATIVE DEFENSES Defendants other defenses are: 1. The Plaintiff failed to name the real party of interest. 2. The Plaintiff failed to state a claim upon which relief can be granted. 3. The Defendant was not notified of any assignment of any debt that is the subject of this Complaint. 4. The Plaintiff's Complaint may be time-barred because it fails to state any date(s) necessary to make such a determination. 5. The Defendant claims Lack of Privity as Defendant has never entered into any contractual or debtor/creditor arrangements with the Plaintiff. 6. The Plaintiffs Complaint fails to allege a valid assignment of debt and there are no averments as to the nature of the purported assignment or evidence of valuable consideration; the Plaintiff's fails to allege whether or not the purported assignment was partial or complete and there is no evidence that the purported assignment was bona fide. 2 7. The Plaintiffs Complaint further fails to allege that the Assignor even has knowledge of this action or that the Assignor conveyed all rights and control to the Plaintiff. The record does not disclose this information and it cannot be assumed without creating an unfair prejudice against the Defendant. 8. The Plaintiff has not proven that they are authorized and licensed to collect claims for others in the State of Pennsylvania, solicit the right to collect or receive payment of a claim of another. 9. The Plaintiff is barred under the Fair Debt Collection Practices Act, hereinafter called FDCPA, Section 807(2), 15 U.S.C. § 1692e(2) from collecting interest and any amount unless it is expressly authorized by agreement creating the alleged debt or permitted by law. The Plaintiff has failed to attach proper documentation to verify if such principle or interest is allowed, or even exists. 10. The Defendant claims Accord and Satisfaction as the Defendant alleges that the original creditor accepted payment from a third party for the purported debt, or portion of the purported debt, or that the Original Creditor received other compensation in the form of monies or credits from the Plaintiff. 11. The Plaintiff's damages are limited to real or actual damages of actual cost paid or exchanged to alleged Original Creditor for the purported debt, for which the Plaintiff failed to reference by number or written instrument in their Complaint. 12. The Defendant reserves the right to plead other affirmative defenses that may become applicable and/or available at a later time. 3 Wherefore, for the reasons set forth in the above Answers and Affirmative Defenses the Defendant prays this case be dismissed with prejudice along with any further relief the Court deems just and proper. August 5, 2011 Respectfully submitted by: David Stouffer, P?o- 1619 South York Street Mechanicsburg, PA 17055 (717)790-5535 (facsimile) (717)439-5472 4 CERTIFICATE OF SERVICE The undersigned hereby certifies that, on August 05, 2011 a copy of the foregoing "Answer and Affirmative Defenses" was deposited in the United States Mail, postage paid, addressed to: Law Offices of Hayt, Hayt & Landau, LLC, Arthur Lashin, Esquire, 123 South Broad Street, Suite 1660, Philadelphia, PA 19109-1003, Attorney for the Plaintiff. David Stouffer, Pro se 1619 South York S Mechanicsburg, PA 17055 (717)790-5535 (facsimile) (717)439-5472 5 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA MIDLAND FUNDING LLC VS. DAVID STOUFFER, Plaintiff Defendant RESPONSE Case No.: 11-5797 Civil C") C -oz rn m m rn :Z;o ? A r- ? _N cn rn i GT A 0 Cw RESPONSE TO PLAINTIFF'S NOTICE OF INTENTION TO TAKE DEFAULT PURSUANT TO PA R.C.P. 237.2 Comes now, Defendant, David Stouffer, Pro Se, in response to Plaintiff's "Notice of Intention to Take Default Pursuant to PA. R.C.P. 237.2", as follows: 1. Postmarked on August 26, 2011 the Plaintiff mailed the Defendant their "Notice of Intention to Take Default Pursuant to PA. R.C.P. 237.2", (see Exhibit 1). 2. The Plaintiff's "Notice of Intention to Take Default Pursuant to PA. R.C.P. 237.2" authored on August 26, 2011, falsely alleges that the Defendant had "...failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you.,, 3. The Defendant did in fact serve upon the Plaintiff's counsel of record in a timely manner by U.S. Mail, postmarked August 5, 2011, received on August 8, 2011, Defendant's "Pro se Notice of Appearance", and "Answer and Affirmative Defenses" , (see Exhibit 2). 4. On August 24, 2011, at 9:12 am, served by U.S. Mail, and prior to the authorship of the Plaintiff's "Notice of Intention to Take Default Pursuant to PA. R.C.P." 237.2", the Plaintiff was in possession of not only the Defendant's "Pro se Notice of Appearance", and "Answer and Affirmative Defenses", but also had in their possession a copy of Defendant's "Amended Answer and Affirmative Defenses", and "Notice To Produce Documents and Records", (see Exhibit 3). Q x rn ?rn D a O, x O ? C7 5. On August 26, 2011 the Plaintiff had full knowledge that the claims made within their "Notice of Intention to Take Default Pursuant to PA. R.C.P. 237.2", were not only misleading to the court, but patently false. 6. On September 1, 2011, after returning from out of state due to hurricane conditions which rendered our home without electricity and water for a week, the Defendant received the Plaintiff's ten (10) day, "Notice of Intention to Take Default Pursuant to PA. R.C.P. 237.2", and has a matter of record, done everything possible to comply with time limitations for the Defendant's response. Wherefore, for the reasons set forth in the above "Response to Plaintiff's Notice of Intention to Take Default Pursuant to PA. R.C.P. 237.2", and for the reason set forth in the Defendant's "Answer and Affirmative Defenses", and "Amended Answer, Affirmative Defenses and Objections", the Defendant prays this case and the aforementioned "Notice" be dismissed without prejudice along with any further relief the Court deems just and proper. September 3, 2011 Respectfully submitted by: C--? David Stouffer, Pro 1619 South York Street Mechanicsburg, PA 17055 (717)790-5535 (facsimile) (717)439-5472 2 CERTIFICATE OF SERVICE The undersigned hereby certifies that, on September 3, 2011 a copy of the foregoing "Response to Plaintiff's Notice of Intention to Take Default Pursuant to PA. R.C.P. 237.2" was deposited in the United States Mail, postage paid, Confirmation Number: 03051720000231998752, addressed to: Law Offices of Hayt, Hayt & Landau, LLC, Arthur Lashin, Esquire, 123 South Broad Street, Suite 1660, Philadelphia, PA 19109- 1003, Attorney for the Plaintiff. David Stouffer, 1619 South York Street Mechanicsburg, PA 17055 (717)790-5535 (facsimile) (717)439-5472 3 m c ° am 0 o- 1D t=1 r y ? o w (71 (TI t7} ?i •rd LAW OFFICES OF HAYT, HAYT & LANDAU, LLC By: Arthur Lashin, Esquire Identification No. 23425 123 S. Broad Street Suite 1660 Philadelphia, PA 19109-1003 (215) 928-1400 Attorney for Plaintiff DATE : AUGUST 26, 2011 MIDLAND FUNDING LLC P.O. BOX 939019 SAN DIEGO, CA 92123 VS. DAVID STOUFFER 1619 S YORK ST MECHANICSBURG PA 17055 CUMBERLAND COUNTY COURT OF COMMON PLEAS CIVIL DIVISION TERM. No. 11-5797 CIVIL - --NOTICE -O€-I rrENTZoN To T DEFA "Tr T- PURSUANT TO PA.R.C.P 237.1 You are in default because you have failed to enter a written appearance personally or by attorney and file in writing with the court your defenses or objections to the claims set forth against you. Unless you act within ten days from the date of this notice, a judgment may be entered against you without a hearing and you may lose your property or other important rights. You should take this paper to your lawyer at once, if you do not have a lawyer, go to or telephone the office set forth below. 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. CUMBERLAND COUNTY BAR ASSOCIATION 32 S BEDFORD STREET CARLISLE PA, 17013 800-990-9108 By: If A ARTHURL rIA ?tyN 23425 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA MIDLAND FUNDING LLC Case No.: 11-5797 Civil Plaintiff VS. DAVID STOUFFER, Defendant rn -' o Z co s° r .CO 'T3 C..)-T9 7> c'a ? ? c=s ZG7 Z N ?tT ? DAVID STOUFFER PRO SE NOTICE OF APPEARANCE NOTICE OF APPEARANCE The undersigned enters an appearance in this action, and demands notice of all further proceedings. The Clerk of Courts and the opposing party will be informed of any and all changes in address. Any and all notices may be sent to the address as indicated below. August 05, 2011 (- - - - t ?7'. David Stouffer, Pro se 1619 South York Street Mechanicsburg, PA 17055 (717)790-5535 (facsimile) (717)439-5472 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA MIDLAND FUNDING LLC Case No.: 11-5797 Civil Plaintiff vs. DAVID STOUFFER, Defendant r? G ? ?r 'cO -cam `_-ic:) - x T, ao N ) C? rr' -G ANSWER and AFFIRMATIVE DEFENSES I ANSWER Comes now, Defendant, David Stouffer, Pro Se, who denies the following paragraphs of Plaintiff s Complaint: 1. Defendant denies the allegations contained in Paragraph 1 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of alleged assignments and entitlements. 2. Defendant agrees with statement in Paragraph 2 of the Complaint that he is an individual who resides at 1619 South York Street, Mechanicsburg, PA 17055. 3. Defendant denies the allegations contained in Paragraph 3 of the Complaint as there is not, nor has there ever been any agreement, written, oral or implied with the Plaintiff and the Defendant. 4. Defendant denies the allegations contained in Paragraph 4 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of the allegation(s). USPS - Track & Confirm Page 1 of 1 UNITED STATES Home I Nero I POSTAL SEf2WE Sin in Track & Confirm FA Qs Track & Confirm Search Results Label/Reoeipt Number. 03051720 0002 3189 8745 Service(s): Delivery Cordnmation? Status: Delivered Your item was delivered at 9:17 am on August 24, 2011 in PHILADELPHIA, PA 19107. ?C 8; Gail Ifiii Enter UMA Receipt Number. f rtifj-,-t 0^ [1pt'ngS Track & Confirm by email Get current event information or updates for your item sent to you or others by email. rr, 170 21 Site Map Customer Service Forms Gov't Services Careers Privacy Policy Terms of Use Business Customer Gateway Copyright@ 2010 USPS. All Rights Reserved. No FEAR Act EEO Data FOIA is W7 hUD://Ixkcnfrml.smi.usDs.com/PTSIntemetWeb/InterLabellnquiry.do 9/1/2011 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA MIDLAND FUNDING LLC Plaintiff vs. DAVID STOUFFER, Defendant I ANSWER Case No.: 11-5797 Civil r = =M 70 v C-, o ;> c 4 i V t? co AMENDED ANSWER and AFFIRMATIVE DEFENSES c? Comes now, Defendant, David Stouffer, Pro Se, who denies the following paragraphs of Plaintiff's Complaint: 1. Defendant denies the allegations contained in Paragraph 1 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of alleged assignments and entitlements. 2. Defendant agrees with statement in Paragraph 2 of the Complaint that he is an individual who resides at 1619 South York Street, Mechanicsburg, PA 17055. 3. Defendant denies the allegations contained in Paragraph 3 of the Complaint as there is not, nor has there ever been any agreement, written, oral or implied with the Plaintiff and the Defendant. 4. Defendant denies the allegations contained in Paragraph 4 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of the allegation(s). IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA MIDLAND FUNDING LLC Case No.: 11-5797 Civil Plaintiff vs. DAVID STOUFFER, Defendant =M cn ? rv ? o -c C Cj NOTICE TO PRODUCE DOCUMENTS AND RECORDS Comes now, Defendant, David Stouffer, Pro Se, who requests that produce documents and records in accordance with Pennsylvania Rule of Civil Procedure 4009, the originals or clear, readable copies of the below documents and records. These documents and/or Records will be examined, copied by any method, including but not limited to photocopying. The below listed documents and/or records are to be produced and forwarded to the Defendant on or before thirty (30) days from the date of service herein. Such request is continuing up to and at the time of trial. DEFINITIONS A. "You" or "your" refers to the Plaintiff herein and to all other persons acting or purporting to act on behalf of the Plaintiff, including agents and employees. B. "Communications" shall mean all inquiries, discussions, conversations, negotiations, agreements, understandings, meetings, telephone conversations, letters, correspondence, notes, telegrams, telexes, advertisements, facsimiles, e-mails, or other forms of verbal and/or communicative intercourse. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA MIDLAND FUNDING LLC Vs. DAVID STOUFFER, Plaintiff Defendant I ANSWER Case No.: 11-5797 Civil c o a -Tj co) M- z? r- M r M --+o <o )>C-) ss Z =-,n o-n za 5c am-. = °m o > CX) AMENDED ANSWER, AFFIRMATIVE DEFENSES, AND OBJECTIONS Comes now, Defendant, David Stouffer, Pro Se, who denies the following paragraphs of Plaintiff s Complaint: 1. Defendant denies the allegations contained in Paragraph 1 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of alleged assignments and entitlements. 2. Defendant agrees with statement in Paragraph 2 of the Complaint that he is an individual who resides at 1619 South York Street, Mechanicsburg, PA 17055. 3. Defendant denies the allegations contained in Paragraph 3 of the Complaint as there is not, nor has there ever been any agreement, written, oral or implied with the Plaintiff and the Defendant. 4. Defendant denies the allegations contained in Paragraph 4 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of the allegation(s). 5. Defendant denies the allegations contained in Paragraph 5 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of the allegation(s). 6. Defendant denies the allegations contained in Paragraph 6 of the Complaint as Defendant is without information or knowledge sufficient to form an opinion as to the truth and accuracy of the allegation(s). 11 AFFIRMATIVE DEFENSES AND OBJECTIONS Defendants other defenses are: 1. The Plaintiff failed to name the real party of interest. 2. The Plaintiff failed to state a claim upon which relief can be granted. 3. The Defendant was not notified of any assignment of any debt that is the subject of this Complaint. 4. The Plaintiffs Complaint may be time-barred because it fails to state any date(s) necessary to make such a determination. 5. The Defendant claims Lack of Privity as Defendant has never entered into any contractual or debtor/creditor arrangements with the Plaintiff. 6. The Plaintiffs Complaint fails to allege a valid assignment of debt and there are no averments as to the nature of the purported assignment or evidence of valuable consideration; the Plaintiff's fails to allege whether or not the purported assignment was partial or complete and there is no evidence that the purported assignment was bona fide. 2 7. The Plaintiff's Complaint further fails to allege that the Assignor even has knowledge of this action or that the Assignor conveyed all rights and control to the Plaintiff. The record does not disclose this information and it cannot be assumed without creating an unfair prejudice against the Defendant. 8. The Plaintiff has not proven that they are authorized and licensed to collect claims for others in the State of Pennsylvania, solicit the right to collect or receive payment of a claim of another. 9. The Plaintiff is barred under the Fair Debt Collection Practices Act, hereinafter called FDCPA, Section 807(2), 15 U.S.C. § 1692e(2) from collecting interest and any amount unless it is expressly authorized by agreement creating the alleged debt or permitted by law. The Plaintiff has failed to attach proper documentation to verify if such principle or interest is allowed, or even exists. 10. The Defendant claims Accord and Satisfaction as the Defendant alleges that the original creditor accepted payment from a third party for the purported debt, or portion of the purported debt, or that the Original Creditor received other compensation in the form of monies or credits from the Plaintiff. 11. The Plaintiff's damages are limited to real or actual damages of actual cost paid or exchanged to alleged Original Creditor for the purported debt, for which the Plaintiff failed to reference by number or written instrument in their Complaint. 12. The body of the Plaintiff's "Complaint" contains no date of the signer, and although it was filed on July 21, 2011, not served until July 28, 2011, the person verifying the complaint and its content purportedly did so on May 6, 2011, over three (3) 3 months before the filing, and creating a question concerning the validity such verification. 13. The Defendant reserves the right to plead other affirmative defenses that may become applicable and/or available at a later timeWherefore, for the reasons set forth in the above Answers and Affirmative Defenses the Defendant prays this case be dismissed without prejudice along with any further relief the Court deems just and proper. September 3, 2011 Respectfully submitted by: David Stouffer, Pro 1619 South York Street Mechanicsburg, PA 17055 (717)790-5535 (facsimile) (717)439-5472 4 CERTIFICATE OF SERVICE The undersigned hereby certifies that, on September 3, 2011 a copy of the foregoing "Amended Answer, Affirmative Defenses, and Objections" was deposited in the United States Mail, postage paid, addressed to: Law Offices of Hayt, Hayt & Landau, LLC, Arthur Lashin, Esquire, 123 South Broad Street, Suite 1660, Philadelphia, PA 19109- 1003, Attorney for the Plaintiff. David Stouffer, Pro 1619 South York Street Mechanicsburg, PA 17055 (717)790-5535 (facsimile) (717)439-5472 5