HomeMy WebLinkAbout11-6205Robert N. Polas, Jr., Esquire PA Bar # 201259
Carrie A. 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
V.
EDWIN L GARRETT
424 7TH ST
NEW CUMBERLAND PA 17070
Defendant
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NOTICE
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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
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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.
EDWIN L GARRETT
424 7TH ST
NEW CUMBERLAND 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 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
' t11W' - ?t <'t} i : 'I*r(, ll a debt (t11f°CttJ? 71£ Ih aii FtItcnipi I- ' i,- -
W1, < .? i<. obt lhwd X611 ESC iv'c:1 for lhat pull,
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.
EDWIN L GARRETT
424 7TH ST
NEW CUMBERLAND PA 17070
Defendant
COMPLAINT
Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with
offices located at 140 Corporate Blvd., Norfolk, VA 23502.
2. Defendant EDWIN L GARRETT, is an adult individual with last known address of 424 7TH ST,
NEW CUMBERLAND PA 17070.
It is averred that Defendant was indebted to CAPITAL ONE BANK N.A. on February 11, 2006
with account number ************5810 (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.
At all relevant times material hereto, Defendant has used said Account for the purchase of
products, goods and/or for obtaining services.
,mic,ition is imm a debi collee.toi and is ari attempt to cotlc^ct ?j jej'8t.
Aurr iii fjril ation ohtE3fned skill 1w 11"("d f l 11t<°
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 15, 2009.
8. Plaintiff is the purchaser, assignee and/or successor in interest CAPITAL ONE BANK N.A. 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
$1,083.70.
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, EDWIN L GARRETT, in the amount of $1,083.70, plus costs of this
action and any other relief as the Court deems just and r onable.
Robert N. Polas Jr., Esquire # 201259
Carrie A. Brown, Esquire # 94055
10-82663
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m jn fT t ea ltlc'd tor r(mi 1,€rrpo e
VERIFICATION
The undersigned Custodian of Records for Portfolio Recovery Associates, LLC,
cc-hPl,q Wise 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 : 2b W\\ By: Chela Wise /---?
Custodian of Records
10-82663
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
PORTFOLIO RECOVERY ASSOCIATES, LLC
140 Corporate Boulevard
Norfolk, Virginia 23502
Telephone: 1-866-428-8102
Fax: 1-757-518-0860
Statement of Account
Account: ************5810
EDWIN L GARRETT
Account Holder:
EDWIN L GARRETT
424 7TH ST
NEW CUMBERLAND 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
CAPITAL ONE BANK N.A.
Portfolio Recovery Associates, LLC
************5810
February 11, 2006
July 15, 2009
March 3, 2010
$1,107.54
April 19, 2010
Balance at Charge-Off: $1,083.70
Less Payments: $.00
Balance Due: $1,083.70
10-82663
CAPH91
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, Chela Wise , 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 CAPITAL ONE BANK N.A.
("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 April 19, 2010. 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 EDWIN L GARRETT ("Debtor") to the
Account Seller the sum of $1,083.70 with the respect to account number (************5810), as of March 3, 2010 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, Account Assignee claims the sum of $1,083.70 as due and owing as of the date of
this affidavit.
Portfolio Recovery Associates
By: Chela Wise Custodian of Records
Su4edand orn to before meon 2011
No10-82663 Ma minor Sn
GOrsren" %`-,h of Virggi?
Notary Public
Commission No. 7500956
My Commission Expires 2/26/2015
r in, 1 '> fr??1I1 sl i3{.??[ cc,ile?:i.,r 2i17c? 3? (2n ?tttc'371}tt [4, F?.?,l[?'ia Ii Cte°l?t.
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Exhibit 1 to
Forward Flow Receivable Sale Agreement dated December 18th, 2009
BILL OF SALE
Closing Date: April 19'h, 2010
Capital One Bank (USA), National Association ("Seller"), in consideration of a Purchase
Price of . and other valuable consideration, the receipt of which is hereby
acknowledged, hereby sells, assigns and transfers all right, title and interest in the Accounts
identified in the Sale File entitled 20100413.PS40CP.SLDFLEI.TXT (which may be in
electronic form) to Portfolio Recovery Associates, LLC ("Buyer"), without recourse or
representation except as expressly provided herein or on the terms, and subject to the conditions,
set forth in the Agreement (as defined below).
This Bill of Sale is delivered pursuant'to that certain Forward Flow Receivable Sale
Agreement, dated as of December 18'h, 2009, by and between Seller and Buyer (the
"Agreement"). All capitalized terms used, but not defined, in this Bill of Sale shall have the
meanings assigned to such terms in the Agreement.
The Cutoff Date for the Sale File was April 13'', 2010.
CAPITAL ONE BANK (USA),
NATIONAL ASSOCIATION
By:
V -
Name: Jonathan Stalls
Title: Recoveries MVP
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PRO1AMAREPAIITOFYWCOCOVONERAtM;EK WW. ARSITWa
0 roe Cepdrl Cow SerNeee Iq CapMI One b a bdaraM aMMewd setae
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ARBITRATION AGREEMENT M-75733
IMPORTANT. THIS ARBITRATION PROVISION 15 A PART Of YOUR CUSTOMER AGREEMENT
You aid a elves the aft you or ww W a WW pyaaiyrss $de
eledwr? mWll IM any Clain to detind below) be rewNed by
bin11Yq ahln11ah PrOCedums wall Law Applicable to Arbit»llon. This Arbitration
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IF YOU OR WE ELECT ARBITRATION OF A CLAIM NEITHER
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one " wh" way, Claim is
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U NOR WE WILL NAVE THE 111131117 TO PURSUE THAT
CLAIM IN COW OR BEFORE A JUDGE OR JURY
N OR TO
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IN A CLASS ACTION OR ANY OTHER
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SET FID BELOW. 7HE ARBITARTOR $ DECISION WILL B an
ror
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FINAL ANB W-MB. MO IUBMTS THAT YOU WOULD
HAVE IF YOU WEIET TO COUn INCLUOINO THE RIGHT TO
Comm D18COYERY OR lO Jii'PElLL
MAY BE LU Is a 9unt n for a coat d samppnt Mdlsdpba rol en a hdrala to
dxwt The arbbabr may a ad q mnapa a oAer tow pervind
by mpllase substantive law LII Ma Rd Iwo pea n review by
,
dIITm OR
UNAVAILABLE BI ARBITRATION. THE FEES ASSOCIATED
WITH ARBITRATION MAY BE HIGHER THAN THE FEES mftraesbtiy a d tlw Ib CorooFidaBpp or
Jdndrdp4rtia,'Odawj06 s
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ASSOCATEO WITH COURT PROCEEDINGS. obi ollons d ody 1116 namep
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• besd m mV Rivalry CI rldl or
many
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comlYWan, slob ft npAbit allance a r roagj rl ads of
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aSrideYdon CAtl akr' or. odlec6vedy. -AOrdawrrlorsl will
admlai the abdrslion
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1927 Mob St.. SK 300
Irv iat CA9E014
www'iaaadtam
Amorbaa Arbitration Aso'e
335 *OMAW. floorlD
0.Y Ky. 10617-M
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P.D. Bat 59191
Mkf*Pdb MN 55405
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about arberati0a abbNbe wbt and proadcaa, be ehddn and
claim lams.
EtadiN add Inelatiom of ArbVjaon YOU at w say dal
arbbw stria Ch's Arbbllaa Provision ;6 raped to ary CWIR
elan t b Clam is pat or a lowest wouto in cart you of ra may
sat o mdbn or fequW In coot to mnyd ablodbnn of my CWs
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arbgrallmatoa been elated,
decoida Mt ba TirW amid biird oallill tpsdaAPs yin a
an appal d to wad OYseodrga melba mvo b Ili Adndek"o,.
nanny a 11Nai arbtnat0i ad will rob de ng Ibow an the
vote of ft rn MY.. The pmeh dims ion will be tat am bu osg. Any
firs dbpeim of this abjOabr ad Me ap?elpmd b sulrjM tajodkW
its, IF6 a M bb U1dN the FAA M sward in abloarfa Mll be
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nil tied abtrata or otaraia atom tie Arpoatrn Provtrim In
Cdnnamll With anypma WCldet you a se, Will rat whyay, rl?iis
b RWifl Nbftcn In co mW'm wb It or any Ww Claim, This
ArNtgion Providaw "t Islet (Q wlpaalair bnnlndba,
aroufoa cl0erde a dNrggoal naApterneof. yours[[oultsed yid
mmwm lp with us; (k) 1W banbopiq or inephenq d any park am
414 ay lo masher at Taut Kroll. way XwAta Owed 011 your, XWL
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eraf d a [oMid a IxealolaLT bow tit Adttaa6on Prodypa
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Arbtratos pr0vsimahall Owera A. phtexopT a dha inata of los
forall a aM rdopd dCarseres msYb lad n ptaa d me agnlo
all P1oPoas Indodtp lirl9lpaa
m 20 Capita One SrAm. Inc. Capital One Is a federally Wtaraad
services mark NI rlIM reserved
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson FILE'D_Of FICE
Sheriff ?E THE PR0THONOTARY
Jody S Smith
Chief Deputy 2611 AUG 19 PM 2= 33
Richard W Stewart CUMBERLAND COUNTY
Solicitor OFF PENNSYLVANIA
Portfolio Recovery Associates, LLC
vs. Case Number
Edwin L. Garrett 2011-6205
SHERIFF'S RETURN OF SERVICE
08/18/2011 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: Edwin L. Garrett, but was unable to locate him in his
bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Edwin L.
Garrett. Request for service at 424 7th Street, New Cumberland, Pennsylvania 17070 the Defendant was
not found. Neighbors advised Deputies, Edwin L. Garrett is thought to be residing on Third Street, New
Cumberland, Pennsylvania. However, The New Cumberland Postmaster is still delivering Edwin L.
Garrett's mail to 424 7th Street, New Cumberland, Pennsylvania 17070.
SHERIFF COST: $50.00
August 18, 2011
SO ANSWERS,
6Z,------
RON R ANDERSON, SHERIFF
C9 "P,'. Doff Irt,
Carrie A. Brown, Esquire - IL DE-OFF/Cc-
H t R IOTHONQ
'
Robert N. Polas Jr, Esquire
Attorney ID # 94055/201259 ""FEB 14 Q 10: 7
Portfolio Recovery Associates, LLC 140 Corporate Blvd CUMBERLAND
.
Norfolk, VA 23502 COUNTY
PENNSYLVANIA
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. 11-6205
V.
EDWIN L GARRETT
424 7TH ST
NEW CUMBERLAND PA 17070
Defendant
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
Respectfully Submitted,
Carrie A. Brown, Esquire, # 94055
Robert N. Polas, Jr., Esquire, #201259
Portfolio Recovery Associates, LLC
140 Corporate Blvd.
Norfolk, VA 23502
(T) 1-866-428-8102
(F) 757-518-0860
Attorneys for Plaintiff
10-82663
This letter is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
Carrie A. Brown, Esquire
Robert N. Polas Jr, Esquire
Attorney ID # 94055/201259
Portfolio Recovery Associates, LLC
140 Corporate Blvd.
Norfok VA 23502
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. 11-6205
V.
EDWIN L GARRETT
424 7TH ST
NEW CUMBERLAND PA 17070
Defendant
CERTIFICATE OF SERVICE
The undersigned does hereby certify that I served a copy of the foregoing
Praecipe to Dismiss upon EDWIN L GARRETT, by First Class Mail,
Postage Pre-Paid, a copy thereof on this b day of 12?e 6 , 20_, to:
EDWIN L GARRETT
424 7TH ST, NEW CUMBERLAND PA 17070
Date:
10-82663
4
Carrie A. Brown, Esquire, # 94055
Robert N. Polas, Jr., Esquire, #201259
Portfolio Recovery Associates, LLC
140 Corporate Blvd.
Norfolk, VA 23502
(T) 1-866-428-8102
(F) 757-518-0860
Attorneys for Plaintiff
This letter is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.