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HomeMy WebLinkAbout11-7315Robert 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 'oCfl4 ?t 22 Arl PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY 140 Corporate Blvd. Norfolk, VA 23502 V. ASSOCIATES, LLC Plaintiff WENDY L FRONTE 122 YELLOW BREECHES DR CAMP HILL PA 17011 Defendant NOTICE No. t 1 '-? 3 I S Ct t 't ? 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. ?,j( (Xtwv U. Q a M i_ a l Ck-? Q3tSo 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. WENDY L FRONTE 122 YELLOW BREECHES DR CAMP HILL PA 17011 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 Demands 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 IL, t (IIII.r11€Inication IS fik)ITI a debt col '.'to mj P.- °i1 ?. i E.€? ia? c.GS2 ES d€'.bi AIIV inkmnation o) tair b t€ wed te,P C' 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. WENDY L FRONTE 122 YELLOW BREECHES DR CAMP HILL PA 17011 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 WENDY L FRONTE, is an adult individual with last known address of 122 YELLOW BREECHES DR, CAMP HILL PA 17011. It is averred that Defendant was indebted to CAPITAL ONE BANK, N.A. on February 25, 2007 with account number ************0336 (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. bi'S t?Ti li.- f. •?1 1:.1'(311.1 it £ cbt 6 ojjc: *T 2lld IS <il"I =tformation obtained 1011 be us?A 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 January 16, 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." 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 $1,661.70. 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, WENDY L FRONTE, in the amount of $1,661.70, plus costs of this action and any other relief as the Court deems ju 09-93936 i.Ins communication is from a cic ht ('011cclor and an attcIny€ to :'(01cci a sick, ,kny ini rni tiin c btt inLk l will 1> i s(xi for ihat }a irk?<,,sc. Robert N. Polas Jr., Esquire # 201259 Carrie A. Brown, Esquire # 94055 VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Tanya Hollenbeck 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 : B T a on beck Custodian f R cords 09-93936 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: ************0336 WENDY L FRONTE Account Holder: WENDY L FRONTE 122 YELLOW BREECHES DR CAMP HILL PA 17011 Consumer Account Product Code: VISA Issuer: CAPITAL ONE BANK, N.A. Assignee: Portfolio Recovery Associates, LLC Account Number: ************0336 Date Account Opened: February 25, 2007 Date of Last Payment: January 16, 2009 Date of Charge Off: July 2, 2009 Balance at Purchase: $1,698.50 Purchase Date: August 11, 2009 Balance at Charge-Off: $1,661.70 Less Payments: $.00 Balance Due: $1,661.70 09-93936 CAPF35 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 depose, affirm and state as follows: Custodian of Records, for Portfolio Recovery Associates, LLC hereby 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 August 11, 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 WENDY L FRONTE ("Debtor") to the Account Seller the sum of $1,661.70 with the respect to account number (************0336), as of July 2, 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, Account Assignee claims the sum of $1,661.70 as due and owing as of the date of this affidavit. Portfolio Recovery Associates, LLC 1 By: a o en c Custodian of Records Subscribed and sworn to before me on ? o f _-L -/ 2011 r?r Notary 1 c 09-93936 M J. l ?onw Comm "K inia 4M1 Commission ob7372296 Pulic ?8? EVIM 04!30014 I It€5 Ens t1? t rt c4 too ? a debt collector and is are attc?np( tc) c (11jec t ? ?=1aai?t. ,N11 he used for that purpor>e. Annex A Forward Flow Receivable Sale Agreement Amendment Number 2 Exhibit 1 to Forward Flow Receivable Sale Agreement dated February 6*, 2009 BILL OF SALE Closing Date: August 11 th, 2009 Capital One Bank (USA), National Association ("Seller"), in consideration of a 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 20090806.PS32CP.SLDFLEI.TXT (which may be in electronic form) to- Port folio 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 February 6th, 2009, as amended, by and between Seller (as successor to Capital One Bank) 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 August 6th, 2009. ' CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION By: Name: Jonathan Stalls Title: Recoveries MVP BoiW211986.10045016-00036 1 20100425_RMAPRA_ 336_ 336_20100425-stmt.txt CYCLE # 04 CAPITAL ONE CYCLE FACSIMILE REPORT 03/05/2010 - 04/04/2010 PAGE 8650 ACCT-ID: 678 CARD# --0336 STMT-TYPE: ENGLISH REWARDS: N TPC: VP HO SAC-PGM: PREV-BALANCE: $1,661.70 PYMTS&CREDITS $0.00 INTR CHRGS $0.00 TRANSACTIONS: $0.00 NEW-BALANCE : $1,661.70 MINIMUM PYMT : $443.00 LATE FEE $0.00 DUE-DATE : 05/01/2010 ' CREDIT-LIMIT: 1000 CREDIT-AVAIL : 0.00 CASH-LIMIT 1000 CASH-AVAIL : 0.00 RPAY-TOTMTHS: 0 RPAY-TOTCOST : $0.00 36MA-MTHPAY: $0.00 36MA-TOTCOST: $0.00 INTEREST-CTD: $0.00 INTEREST-YTD : 50.00 FEE-AMT-CTD: $0.00 FEE-AMT-YTD : $0.00 HIGH-LATEFEE: $34.00 HIGH-PNLTY-APR: 29.40% OVERALL-APR: 0.000 CLOSE-DATE : 006: N MISS-ADDR: N BK-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: BD XFER: FRAUD: OL: 07 MULTI-IND: S PROV-ID: 000001 US PROF-CNTR: 0000000001 COB SERVICE-OWNER: 000011 Mainstreet OL-OPTIN-IND: AMOUNT RATE CORR APR INTEREST CHRGS TBAL C/I BALANCE WENDY L FRONTE Purchases 0001 01 0.00 00.0634200 0023.150000000 0.00 122 YELLOW BREECHES DR Cash 0002 01 0.00 00.0634200 0023.150000000 0.00 CAMP HILL PA 17011834122 US TRANSACTION DATA SUMMARY NAME: WENDY L FRONTE CREDITS: 00000 AMT OF CREDITS: PYMTS : 00000 AMT OF PYMTS : NO CREDIT TRANSACTIONS FOR THIS CYCLE CUST TYPE: 0 PRINT AREA: 001 NUM OF so.00 $0.00 NUM OF NAME: WENDY L FRONTE DEBITS : 00000 AMT OF DEBITS NO DEBIT TRANSACTIONS FOR THIS CYCLE CUST TYPE: 0 PRINT AREA: 020 NUM OF $0.00 Page 1 (;arrie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Attorney ID # 94055/201259/312686 ° A f 0 NO TA Portfolio Recovery Associates, LLC 120 Corporate Blvd 2013 FEB 20 AN 10: 46, Norfolk, VA 23502 Attorneys for Plaintiff ERLAND COUNT",` RRt?ISVI1lA itA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff V. WENDY L FRONTE 122 YELLOW BREECHES DR CAMP HILL PA 17011 Defendant No. 11-7315 PRAECIPE TO REINSTATE To the Prothonotary: Kindly reinstate the complaint in the above-referenced r Res ect lly Submi ?? 09-93936 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 Attorneys for Plaintiff 6 a,rwl Is 1).750 0 f, A This communication if from a debt ccillector and is an attempt to collect a'deb Any information obtaine(Swill beiused for that poupose. k (_arrie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Attorney ID # 94055/201259/312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff 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. 11-7315 V. WENDY L FRONTE 122 YELLOW BREECHES DR CAMP HILL PA 17011 Defendant CERTIFICATE OF SERVICE he undersign es hereby certify that I served a copy of the foregoing Praecipe to Rei to upon WEND FRONTE, by First Class Mail, Postage Pre-Paid, a copy thereof on this day of , 2013, to: WENDY L FRONTE r 122 YELLOW BREECHES DR A P HALL PALI",,,-. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 Attorneys for Plaintiff 09-93936 This communication is from a debt collector and is an attempt to collect a debt. Any informationtobtained will be used {for that purpose. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson = N PF� 3 P31 �i T`ig Sheriff Jody S Smith 44# 2913 MAR 28 AM IOw S3 Chief Deputy s t Richard W Stewart . ~ CUMBERLAND COUNT Solicitor Of ME OP`KS RI FF PENNSYLVANIA I Portfolio Recovery Associates, LLC Case Number i Wendy L. Fronte 2011-7315 SHERIFF'S RETURN OF SERVICE 03/07/2013 Sheriff Ronny R Anderson, being duly sworn according to law,states he made diligent search and inquiry for the within named Defendant to wit:Wendy L. Fronte, but was unable to locate the Defendant in the Sheriffs bailiwick.The Sheriff therefore deputizes the Sheriff of York, Pennsylvania to serve the within Complaint&Notice according to law. 03/13/2013 12:30 PM-The requested Complaint&Notice served by the Sheriff of York County upon Bryan Fronte, husband of defendant„who accepted for Wendy L. Fronte, at 122 Yellow Breeches Drive, Camp Hill, PA 17011. Richard Keuerleber, Sheriff, Return of Service attached to and made part of the within record. SHERIFF COST: $37.00 SO ANSWERS, �y March 25, 2013 RONW R ANDERSON, SHERIFF (t.)County5uite Sheriff,Teieosof+. Inc. SHERIFF'S OFFICE OF YORK COUNTY Richard P Kauerieber PETER J.MANGAN, ESQ. Sheriff Solicitor Reuben B Zeager Richard E Rice,11 Chief Deputy, Operations Chief Deputy,Administration PORTFOLIO RECOVERY ASSOCIATES LLC Case Number VS. 11-7315 CIVIL WENDY L. FRONTE SHERIFF'S RETURN OF SERVICE 03/13/2013 12:30 PM-DEPUTY COREY STRINE, BEING DULY SWORN ACCORDING TO LAW, SERVED THE REQUESTED COMPLAINT&NOTICE BY HANDING A TRUE COPY TO A PERSON REPRESENTING THEMSELVES TO BE BRYAN FRONTE, HUSBAND,WHO ACCEPTED AS"ADULT PERSON IN CHARGE"FOR WENDY L. FRONTE AT 122 YELLOW BREECHES DRIVE, CAMP HILL, PA 17011 �R S!TRIfNE, DEPUTY SHERIFF COST $45.60 SO RS, March 20,2013 RICHARD P KEUERLEB;R, SHERIFF Nola�#al Seel :w%wft L Ca*NOW Y Ptd* ay o ^V *Qw 9mMM Nt"2017 -MVNM Mrman INN Of IC ARM ---- -------------- ----------- ------------- -------------------- --- -- --- ----------- NOTARY Affirmed and subscribed to before me this 20TH day of MARCH 2013 ic',CountySuite Sheriff Teleosoft Inc.