HomeMy WebLinkAbout12-3051Robert 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 L c
FAX: 757-518-0860
Attorneys for Plaintiff C U M1 FR I L l o - 0?
P E N N S i W'`J1-NA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL ACTION - LAW
PORTFOLIO RECOVERY ASSOCIATES, LLC
140 Corporate Blvd.
Norfolk, VA 23502 No.
?? - 1 l Uc(? 4
Plaintiff
V.
EILEEN C VASCO
29 ESSEX RD
CAMP HILL PA 17011
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
V.
EILEEN C VASCO
29 ESSEX RD
CAMP HILL PA 17011
Defendant
NOTICIA
No. /41 - has( 0-1 U i, L
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 elate 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 S
Court Administrator
32 South Bedford Street
Carlisle, PA 17013
(717) 249-3166
Pennsylvania Lawyer Referral Service Ll ??Q9
(800) 692-7375 ?7yL ?/Y
MIS ±;t}mtiluCiicallon 1J from a dcht collector and Is an ,11tclyllit to ":ullcct .1 dchl
Any, in Orin ation obtaitled will he used t''>r that purpo';<?.
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.
EILEEN C VASCO
29 ESSEX RD
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 EILEEN C VASCO, is an adult individual with last known address of 29 ESSEX RD,
CAMP HILL PA 17011.
It is averred that Defendant was indebted to CAPITAL ONE BANK N.A. on March 19, 2003 with
account number ************0583 (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.
P11 ; ("0 1h11)Lill'ClItiOll ?ti fi)m a dcht collector salld 1" a[) €Ittenlot W c;01It;a:t d debt.
71- I111()1'171catlOT1 «i.?1G1i1leal ???I i)c IsE <.l li)1 [11?i(: hLdr1?1?+
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 April 28, 2011.
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
$3,121.51.
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, EILEEN C VASCO, in the amount of $3,121.51, plus costs of this action and any
other relief as the Court deems just and reasonable.
s
Robert N. Polas Jr., Esquire # 201259 "
Carrie A. Brown, Esquire # 94055
10-70616
11i7 1,0111TIM11lc?itiOll i,S fi-OM it dcht colk2ctor 6Ind is m aiterTipt to cullcct a dcbt
Any inf''Ormaiion obtained xill be used li)i- drat: pit po c°.
VERIFICATION
The undersigned Custodian of Records for Portfolio Recovery Associates, LLC,
gtim Spellman
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 : APR 2 6 2012 _ By:
Custodian of Re-c-Mrs
10-70616
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: ************0583
EILEEN C VASCO
Account Holder:
EILEEN C VASCO
29 ESSEX RD
CAMP HILL PA 17011
Consumer Account Product Code: MC
Issuer: CAPITAL ONE BANK N.A.
Assignee: Portfolio Recovery Associates, LLC
Account Number: ************0583
Date Account Opened: March 19, 2003
Date of Last Payment: April 28, 2011
Date of Charge Off: May 14, 2010
Balance at Purchase: $3,408.84
Purchase Date: June 14, 2010
Balance at Charge-Off: $3,346.51
Less Payments: $225.00
Balance Due: $3,121.51
10-70616
CAPI42
This communication is from a 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.
ltina Spellmat:
I, the undersigned,
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.
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 June 14, 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 EILEEN C VASCO ("Debtor") to the
Account Seller the sum of $3,346.51 with the respect to account number (************0583), as of May 14, 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 $3,121.51 as due and owing as of the date of
this affidavit.
Port fol o)$e overy Associ es, LLC
By: 'Una Pe m , Custodian of Records
APR 8 e 2012
Subsyribfo* som to before me on of , 2012
Notes Public
Ayiesha N. King
10-70616 Commonwealth of Virginia
Notary Public
4 r Commission No. 7508711
My Commission Expires 05/31/2015
hi,4 CoIntl) unicanon is from a debt collector and Is an attempt to L:()Hect a debt.
-,n1% l sii)ri ?atIi)n tiObt a'ned ,,viII be tiscd t?f)r that I)oI-p0,;C.
1
Capital1,11E, NA
15000 Capital One Drive
Richmond, VA 23238
Exhibit 1 to
Forward Flow Receivable Sale Agreement dated December 18tb, 2009
BILL OF SALE
Closing Date: June 14t', 2010
Capital One Bank (USA), National Association ("Seller"), in consideration of a Purchase
Price of end 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 20100609.PS42CP.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 18th, 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 June 9th, 2010. The aggregate Unpaid Balance of
the Accounts as of the Cutoff Date was
CAPITAL ONE BANK (USA),
NATIONAL ASSOCIATION
By:
Name: onathan Stalls
Title: Recoveries MVP
C API42
500343
Capital
Your account works differently now
that you're 7 payments late.
Please see the next page for important account information.
Page 1 of 2 1-800-258-9319 - - - - -
www.eapitalOne.com/solutions Apt. 14 - May. 13, 2010 30 Days in Rdling Cycle
IMPORTANT ACCOUNT UPDATES
MASTERCARD PLATINUM 0583 your full balance is due Any payment you make w,'!r seduce yam balance and help payoff
NEW BALANCE PAYMENT DUE DUE DATE your debtfoster.Theamountyen owemaydifferif7ou'veentzrccintoaseparatepayment
agreement
$3,346.51 $3,346.51 PAST DUE
Available Credit 50.00
Previous Balance Payments and Credits
53,223.57 - 50.00 }
........... -------
TRANSACTIONS
PAYMENTS, CREDITS & ADJUSTMENTS FOR EILEEN C VASCO #0583
FEES
"C.VA,f PASTDUEFEE
a r,',' "APITACONE NICNTNLY MEMBER FEE
Total Fees This Period
Total Fe s This Year
INTEREST CHARGED
INTEREST CHARGE. PURCHI
Total Interest This Period
Total Interest This Year
Fees and Interest Charged
5122.94 }
539,00
55.00
544.00
S259 co
S78 94
S7894
$375 26
Transactions
SO.00 =
New Balance
53,346.51
Help is Available.
Just pick up the phone.
Call 1-800.258-9319 and a specially trained agent will
be happy to help you check your balance and make payments.
INTEREST CHARGE CALCULATION
Your Annual Percentage Bale (APR) is the annual interest fate on your account.
Type of Balance Annual Percentage Balance Subjed to Interest Charge
Rate (APR) Interest Rate
Purchases 29 40%, D S3,2615.88 S; S 94
Cash 2940% D - 50.00 S0.0U
PLEASE RETURN PORTION BELOW'?VITH PAYMENT OR LOG ON TO WWW.CAPITALONE.COMVSOLUTIONS TO MAKE YOUR PAYMENT ONLINE.
0583
Account Number: E-0583
Due Date New Balance Amount Enclosed
Past Due $3,346.51
EILEEN C VASCO
29 ESSEX RD
CAMP HILL, PA 17011-6624
'111111"1111111'11.+ 11111.HIIII''IlllllIll. 1111-1"'1111+1
Manage your
account online.
Visit www.capitalone.com/solutions to manage
your account online. Have information at your
fingertips 2417 without picking up the phone.
4waoa i
J
Capital One Bank (USA), N A
P.O. Box 71083
Charlotte, NC 28272-1083
ulllll?lll??u111rlrlllpnrrllnlr?ll?l?lllrll??llllllll?lnl
Please make checbs payable to Capital One Bank (USA), N.A. and mail with this coupon in the enclosed envelope.
How can I avoid paying Interest ChargesT Each month you pay your 'New Balance" in full,
you will have a nnmmum grace period of 25 days wnth no interest charge on all new 1)
purchases. 2) balance transfers, 3) special purchases and 4) other charges. it you have been
paylrg your account in full with no interest charges applied and you do not pay your next bill
Ir. tall, prorated interest charges writ be aseuad There is no grace period on cash advances,
spx.al transfers, er on any new transaction when there is an unpaid balance from a previous
b'.I
Itow is the interest Charge applied? Interest charges accrue from the I) date of the
transaction, 2) date the transaction is processed or 3)ll calendar day of the billing period
Interest charges accrue on every unpaid amen 7t until it is paid in full. This means you may ow
;merest charges even If you pay the entire "New balance' one month, but did not do so for the
prey,ous month. Unpaid interest charges are aided to the proper segment of your Account
hov,'e. er, we reserve the right to not assess interest charges at any time.
Do you assess a Minimum Interest Charge? res A minimum INTEREST CHARGE of 50 50 will
be as sled for each billing paged your accounts subject to an interest charge
How did you Calculate the Itterest Charge? There are several calculations that are used to
d-term'e your total Interest charge. 1 To get your Daily Balance For each segment 1) take
the beginning balance and add in new transactions and the periodic interest charge on the
pre," us day's balance. 2) Subtract any payments and credits for that segment as of that day.
The result IS the daily balance for each segment However, if you paid your previews month's
balance In full (or If your balance was zero or a credit amount), new transactions which post to
ye ur purchase or special purchase segments are not added to the daily balances. Also
transactions that are subject to a grace period are not added to the daily balances- 2. to find
your Average Daily Balance. 11 add the daily as lances together and 2) divide the sum by the
umbr of days in the bilking cycle. 3 Estimate your Total Interest Charge: 1) multiply your
erage dory balance by the daily periodic re Ne and 2) multiply the result by the number of days
rV the billing period NOTE Due to rounding o-a minimum interest charge, this calculation may
vary from the interest charge actually assessed
is the "Payment Due° a Payoff Amount? No All stated amounts are owed on the date of the
statement However, because Interest, late charges and other charges might change from day
to day as provided in your customer agreemerI, the amount due on the day you pay may be
orger. for example, d you pay the amount stated in this statement, your account might still
e a balance atter your payment is received. Also note that the amount you owe may differ h
ycuve entered Into a separate payment arrangement. Please call the number on the front of
the statement for an exact payoff amount.
How can my variable Annual Percentage RaT,g (APR) change? Your APR may Increase cr
se based on one of seven standard indices reported in The Walf Sheet 1-1-1. To find
which index is used for your account, look for a code (P, L, C, S, D or F) on the front of this
statement next to the APR(s) Then check the table below'.
Code next to your
Annual Percentage
Rate IAPR)
Index which your rates are based on When your Annual
Percentage Rate
will change
P Quarterly Prime margin preeiouslydisclosedto you The first day of the
L Quarterly LIBOR+ margin previously disclosed to you billing periods that
C: Quarterly CD + margin previously disposed to you end in January, April,
Benevard Prime + margin previously disclosed m you July and October
D Monthly Prime+margin previously disclosed to you The fist day of each
F Monthly LIBOR * margin previously disposed to you monthly billing
r Treasury LIBOR + margin previously disclosed to you period
Are there Additional Fees associated with city account? Yes under certain circumstances
y,- a may be assessed a Late or Returned Payment Fee You may also be assessed overlimit fees ri
permitted by law You will also be required to pay all of our actual collection expenses,
attorneys' fees and court .,is unless the law does not allow us to collect these amounts We
reserve the right to not assess fees without prex notice and without waiving our right to assess
.radar fee later
Wfiat happens if my Account is Suspendedl we may close or suspend your -ount and
your r ght to obtain credit at anytime and forany reason, even if you are not in default
Account suspension can be oermarlent or temporary . It your account is closed or suspended
y::u must '.1 stop using your credit card and account, 2) cancel all automatic payments, 3)
desvoy al' credo cards and access checks, and 4) pay all amounts you we s, even It they were
charged after the account was closed or suspended.
How do I Make Payments? Payments you mall us will be credited to y- ac:-cunt as of the
bus ss day w -save them, as long as. 1) you send the bottom portion of this statement and
your check in the encli remittance envelope, and 2) your payment is race ved in Capital
one's processing <errten by Spm local time. Neale allow at least seven f7 ) business days for
Hall delivery . Mailed Payments received by Capital One at any other vocation i, In any other
form may not be created as of the day they are received.
Do you Process Paper Checks as an Electronic Funds Transfer? When you provide a check as
payment, you authorize us and our agents either to use information from yo::r check to make a
one time electromc fund transfer from your deposit account or to process the payment as a
check transaction When we use nformahen from your h.k to make an electronic fund
transfer, funds may be withdrawn from your depose account as on as the same day we
receive your payment and you will not receive your check tack from yourfinancial institution
Your authorization is not limited by the date on the check- We may resubmit and electronically
collect the returned payments
what if I file for Bankruotcsq if you are entitled tc bankruptcy protection this
communication is for information only, it is not an attempt to collect, assessor recover a debt
or claim. Do not send us payments without speaking with your bankruptcy attorney or the
Bankruptcy Court It you have questions about your account cr bankruptcy proceeding, please
have your attorney contact us if you or your attorney would like to contact cur bankruptcy
claims sa, icer directly, please contact: Ca petal one - FC Box 55167 Rchmond, VA 23255-5167
BILLING RIGS T5 SUMMARY (Does Not Apply to Small Busine+s Accau, is)
What To Do If You Think You Find A Mistake On Your Statement: If you think there a an
error on your statement, write to us at
Capital One
PC Box 30285
Salt Lake City, UT 54130 WEE
in your letter, give us the fallowing nformation
Account Information. Your name and account number
Dollar unt The dollar amount of the suspected error
.....amt.....
Descnpt of Problem If you think there is an error on your hill, describe what-you behave is
wrong and why you believe it is a mistake
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing You may call us or notify us electronically,
but if you do we are not required to investigate any potent. sires and you may have to pay
the amount In question
While we investigate whether or not there has beer an error, the following are true.
We cannot try to collect the amount ir•. question, er report you as delinquent on that amount
The charge in question may remain on your statement, and we may conhrue to charge you
'Serest on that amount But, if we determine that we made a mistake, you will not have to pay
the amount m question or any Interest or other fees related to that amount.
While you do not have to pay the amount in question until vae send you a notice about the
outcome of our Irnestrgahon, you are respensibiefor the remainder of your balance.
Your Rights N You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied
with the goods or services that you have purchased with your credit card, and you have tried in
good faith to correct the problem with the merchant, you may have the right not to pay the
remaining amount due on the purchase To use this right all of the following must battle 1
The purchase must have been made in your home state or within I CO miles of your current
trading address, and the purchase price must have been more than 550 (Note Neither of these
necessary it your purchase was based on an advertisement we malted to you or 4 we own
the copany that sold you the goods or services) 2 You must have used your credo card for
the purchase Purchases made with cash advances from an ATM orwith a. check that accesses
you credit card account do not qualify 3. You most not yet have fully paid for the purchase. it
all of the criteria above ate ,,at and you are still dissatisfied w.th the purchase, contact us
in writing at
capital 0-
P 0 . Box 30285
Salt Lake Cdty, UT 84130-0285
While ws,-agate, She same rules apply to the disputed amount as acs a ed above After
we finish our inveshgaton we will tell you our deazion At that pant If we rh,nk you we an
amount and you do not pay we may report you as delinquent
Capital One supports information privacy protecnon. see websue at www.caFitalone cam
Capital one s a federally registered service mark of Capital one Fcaccial Ccrporanon Ali
rights
reserved @- 2010 Capital ore
TC-10
5/01 110
To change or update your address please call 1-800-258-9319 or visit www.capitalone.com/solutions
20027
Now that your account is 7 payments past due,
the changes detailed below will apply to your account.
Hopefully, these will make it easier for you to take control of your finances again.
C,; -
Your balance is still due and we'll contact you soon (directly or through a collection agency) to discuss
options for resolving your debt. You are responsible for paying the full balance on your account as
well as any associated collections expenses, attorney fees and court costs unless the law does not allow us
to co"ect these amounts, as provided in your customer agreement.
If we continue to send you statements, you'll now receive them quarterly instead of monthly. We may
continue to report the status of your account to the credit bureaus, unless prohibited by law. We may also
report when your account is paid off.
Help is available. We understand that it can be challenging to manage your finances. Here are three
important facts about your account that may help make it easier for you to repay your balance:
1) No more compound interest: This means that future interest charges will never accrue interest-
making it easier to pay down your debt faster.
2) Highest interest balances are paid first: Your payments w,l go toward the balance with the
highest interest rate first-automatically saving you money whenever you make a payment.
3) Regular payments will resolve your debt: Since your highest interest balances get paid first and
your interest doesn't compound, making regular payments will get your balance paid.
Call 1-800-258-9319 to discuss your options. And remember, you can check your balance and
make payments online any time at www.capitalone.com/solutions.
W Help is available. Just pick up the phone.
Call 1-800-258-9319 and a specially trained agent will be happy to help
you check your balance, make a payment and answer any questions you may have.
C,'2010 C opital 0- Capital One h afid-aqy regiuered -i,e mark. All rlgbts re,md
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
0Vffiin at k?limb"t/,r?,ld
Of F -F
.. l? ?C?irfi+1,
- aSYLVr1 1i,
Portfolio Recovery /Associates, LLC
vs. Case Number
Eileen C. Vasco 2012-3051
SHERIFF'S RETURN OF SERVICE
05/21/2012 06:27 PAM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on May 21,
2012 at 1827 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Eileen C. Vasco, by making known unto herself personally, at 29 Essex Road, Camp
Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to her personally
the said true and correct copy of the same.
2RYA ,
SHERIFF COST: $43.00
May 22, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF