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HomeMy WebLinkAbout12-3492Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie A. Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 CorporateBlvd. 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. RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 Defendant NOTICE .Y * - s + I j C, You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must tape 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 S, Court Administrator 32 South Bedford Street Carlisle, PA 17013?a3, (717) 249-3166 Pennsylvania Lawyer Referral Service C,,?/ ???oTO (800) 692-7375 i?r?yy This communication is from a debt collector and is an attempt to collect a debt. R--O- -27L 14D No. /oZ C ; L7??rv-, 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. RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 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 seivido, 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 die 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 DEOE 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 This communication is from a debt collector and is an attempt to collect a debt. Any in io.n-nation obtained will be used f-car 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: 757-5180860 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. RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 Defendant COMPLAINT Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. Defendant RONALD SHIELDS, is an adult individual with last known address of 88 CHESTNUT GROVE RD, SHIPPENSBURG PA 17257. It is averred that Defendant was indebted to GE MONEY BANK F.S.B. / SAM'S CLUB on April 26, 2005 with account number ************0751 (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. This communication is from a debt collector and i:,air attempt to collect a dcbt. Any information obtaflicd will be used fior 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 7, 2010. Plaintiff is the purchaser, assignee and/or successor in interest GE MONEY BANK F.S.B. / SAM'S CLUB 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 $1,428.08. 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, RONALD SHIELDS, in the amount of $1,428.08, plus costs of this action and any other relief as the Court deems just and reasonable. Robert N. Polas Jr., Esquire # 201259 l Carrie A. Brown, Esquire # 94055 11-75168 This communication is frcun a debt collector and is aix attempt to collect a debt. .any infonnat:ion obtained will be used fi)r that. hurhosc. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Mary L. Moore 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 MAY 10 2012 B ?6-r . Mary L. Moore Custodian of Records 11-75168 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: ************0751 RONALD SHIELDS Account Holder: RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 Consumer Account Issuer: Assignee: Account Number: Date Account Opened: Date of Last Payment: Date of Charge Off: Balance at Purchase: Purchase Date: Product Code: PVT GE MONEY BANK F.S.B. / SAM'S CLUB Portfolio Recovery Associates, LLC ************0751 April 26, 2005 July 7, 2010 February 11, 2011 $1,428.08 July 29, 2011 Balance at Charge-Off: $1,428.08 Less Payments: $.00 Balance Due: $1,428.08 11-75168 GECL92 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. I, the undersigned, Mary L. Moore 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 GE MONEY BANK F.S.B. / SAM'S CLUB ("Account Seller"), which have become a part of and have integrated into Account Assignee's business records, in the ordinaGry 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 July 29, 2011. Further, the Account Assignee has been assigned all of fhe 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 RONALD SHIELDS ("Debtor") to the Account Seller the stem of $1,428.08 with the respect to account number (************0751), as of February 11, 2011 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 $1,428.08 as due and owing as of the date of this affidavit. P folio Recovery AA, ssociates, LLC ? p? Mary L. Moore , Custodian of Records Subscribed and s efts to before me on r' C-/-? Notary Public 11-75168 04 10 2012 , 2012 01111 91'e1w®II eama?a Anp Commonwaa P Of Virginia Notary Commission No. 7509732 My Commission Expires 1113012015 This comniLmication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. GE Money Bank BILL of SALE PRA 120-day Mid Prime - July 2011 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated the 20th day of December 2010 by and between General Electric Capital Corporation, a Delaware corporation, GE Money Bank, a federal savings bank, and Retailer Credit Services Inc, a Delaware corporation (collectively "Seller") and Portfolio Recovery Associates, !LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on July 19, 2011, and as further described in the Agreement. GE Mone Bank r By: sZ e? Title: CFO Retailer Credit Services Inc By: Title: President General Electric Capital Corporation By: Title: Vice President 1?%tov- . a 1 _0. N GE Money Bank BILL of SALE PRA 120-day Mid Prime - July 2011 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated the 20th day of December 2010 by and between General Electric Capital Corporation, a Delaware 'corporation, GE Money Bank, a federal savings bank, and Retailer Credit Services Inc, a Delaware corporation (collectively "Seller") and Portfolio Recovery Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its 'successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on July 19, 2011, and as further described in the Agreement. GE Money Bank By: Title: CFO Retailer Credit Services Inc By: Title: President General Electric Capital Corporation By: ? ?1 tt 1L Title: Vice President r LrI 4 2 2 .t 2 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson i - Sheriff 4,011114 rJi ?eiritirrlh,' Jody S Smith -.: co .`. Chief Deputy Richard W Stewart Solicitor Portfolio Recovery Associates, LLC Case Number vs. 2012-3492 Ronald Shields SHERIFF'S RETURN OF SERVICE 06/12/2012 08:06 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on June 12, 2012 at 2006 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Ronald Shields, by making known unto himself personally, at 88 Chestnut Grove Road, Shippensburg, Cumberland County, Pennsylvania 17257 its contents and at the same time handing to him personally the said true and correct copy of the same. W TS PUN SHERIFF COST: $48.00 June 14, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COU'l~fl'1},~A~~~~i-iN~{ CIVIL ACTION -LAW L~~L !~~ ~~ ~~ PORTFOLIO RECOVERY ASSOCIATES, LLC ~'~~~~~~~~~ ~ 120 Corporate Blvd P~NNSYLVA~ Norfolk, VA 23502 Plaintiff No. 2012-3492 v. RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 PRAECIPE FOR DEFAULT Defendant JUDGMENT Filed on Behalf of Plaintiff Co a of record for thi arty Date: Robert N. Polas, Jr., Esquire # 201259 Came A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T)1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff This comrnunicatian is from a debt collector is an attempt to collect a debt. .Any infartnatian abtained will. be used :Ear that pr:~rpose. 0.~+ ~' Ck 2# V~o~ 1~ Og ~~ ~~.sopd °~ aD9oov Ea~gss~ IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 Corporate Blvd Norfolk, VA 23502 Plaintiff ~ No. 2012-3492 v. RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 Defendant PRAECIPE FOR DEFAULT JUDGMENT Please enter Judgment in Favor of Plaintiff and against Defendant, RONALD SHIELDS ,for failure to answer the Complaint. (X) Amount Due $1,428.08 Less Credits $.00 TOTAL $1,428.08 (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to PA.R.C.P.237 (Notice for Final Judgment or Decree), I certify that a copy of this praecipe has been mailed to each other party who appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P.231.1, Icertify that a written notice of intention to file thi r cipe was mailed or delivered to the party against whom judgme to be entered and his/h r Attorney of record, if any, after the default occurred and at leas en d ys prior to the da of th filing of this praecipe and a copy of the notice is attached. Date: Robert N. Polas, Jr., Esquire # 201259/ Carrie A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff This communication is fi•o~m a debt collector is an attciilpt to collect a debt. Any information obtained will. be used for that piu•pose. 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. 2012-3492 v. RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 Defendant NOTICE OF JUDGMENT (X) Notice is hereby given that a judgment in the above-captioned matter has been entered against you in the amount of $1,428.08, plus interest, on . (X) A copy of all documents 61ed with the Prothonotary in support of the i By' -- Ifyou have any questions regarding this Notice, please cgnta the cling party. Date: ~ ~ ~ a Robert N. Polas, Jr., Esquire # 201259 Carrie A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff This comY~~unication is from a debt collector is an attempt to collect a debt. Any izlforlnation obtained. will. be I.tsc,d f'or that I~talposc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 Corporate Blvd . Norfolk, VA 23502 No. 2012-3492 Plaintiff v. RONALD SHIELDS 88 CHESTNUT GROVE RD SHII'PENSBURG PA 17257 Defendant AFFIRMATION OF NON-MILITARY SERVICE The undersigned counsel, as attorney for plaintiff, herein affirms under the penalties of perjury that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief, the above named Defendant, is over 21 years of age; is last known to reside at 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 and is not in the military service of the United States or its Allies, or otherwise within the provisions of the Service Members Civil Relief Act and its Amendments. n /1 Date: ~ ~/ Y `~ `, Robert N. Polar, Jr., Esqu e, #201259 ^'-'" Carrie A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T)1-866-428-8102 (F)(757)518-0860 Attorneys for Plaintiff 11-75168 This commu.n~ication is a-debt collector arid. is an attempt to collect a debt. Any informatior obtained will be used :for that purpose. Department of Defense Manpower Data Center Rm~Xa at of:JUb1Y2f/12 ePAa:37 scRn zs n '.~R~ .1~Opf]~t'E ~Yi ~l:YS"1~i11P..1l1bCtY k^1V11 ~ `~lGf A,C~ Last Name:. SHIELDS First Name: RONALD Active Duty Status As Of: Jul-13-2012 Mrr urt w.r on. aa~. hh 64ilra. ~+Ia4 g.w ca.~wrr ,u _. a~~ew.u~ro^+.ir.w-uwo.. ~ L ~ - -------- ~ -- - ~ rnr..rpo~» n~ ae mwm.,w~ w,. a+irww e...a oa m raw.. (wp ww.ow T row. a.r m.. o.r .e,.. o.,.r riw o.r .i.w ~ ~. c..~..,. - - 1M raspoma nMagt sMkA 1M iMagael WI anw dJb rasa rMlin )aT 4)s D~M1q M AcM ad Doh nr+Kr~r.t+ri.rwwM~wr4N.sdrSOw{4~~a+ii~.,rw. Ms/M. o.r. NAr.fon in+ow av wx~ICauu 43~E or. ~' swa ou.pv,,., ru ~.. NA ~ w ru my rarrnr,.awia aa»a,« as nerww«er +~« wa ~ n~a~w..t, ~an~mon rohnonror.aw.aa upon aearclpng dte data benke of Me Department d Defense Menpuaror Daa t.enkar, baaed on dw Ntornatbn tlw4 you proMded, ttsa aDOVe Is 8ro atadue of 1M irWhhduai On lha aCdVe dutyetetus date as W aA tnattchea ~tt1a Unifamad Services (Army. Wavy, Msr~e Corps. Air Faco,. WOAA, t'ubFC Fleafth, and Coast Huard). TriYS.alalus InGudp infwmefion on a 3arvicenmmher ar hisrteer unit recaivirgi noti5ceaion of future ordora b report for Active Duty. .+"' ~~~~~ ~ ~~ Mary M: i3reevely-0ixon, D'xeclor Department of Defeme -Manpower. Data Center 4800 Melts Comer DrWe, State 04625 2350 This communication is a debt collector and is an attempt to collect a debt. A.ny information abtaineci c~ril.l he used for that pure{:>se. This comma~trieation is a debt collector and is an attempt to collect a debt. Any in.fornaation obtained r~~-il(be used for that purpc:~se. PORTFOLIO RECOVERY ASSOCIATES, LLC Litigation Department 120 Corporate Blvd Norfolk, VA 23502 Telephone: 1-$66-428-8102 Fax: (757) 518-0860 Hours of Operation: Monday through Thursday 8 AM to 11 PM, Friday 8 AM to 9 PM, Saturday 8 AM to 5 PM, Sunday 12 PM to 11 PM (EST) July 13, 2012 RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 11-75168 RE: PORTFOLIO RECOVERY ASSOCIATES, LLC VS. RONALD SHIELDS 2012-3492 Dear RONALD SHIELDS: Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, Robert N. Polas, Jr., Esquire Carne A. Brown, Esquire Attorney ID# 201259/94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA Attorneys for Plaintiff ~~ ; This communication is from a debt collector is an attempt to collect a debt. Airy ixiformatio~a obtained will lie used for that purpose. 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. 2012-3492 v. RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 . Defendant TO: RONALD SHIELDS 88 CHESTNUT GROVE RD SHIPPENSBURG PA 17257 DATE OF NOTICE: July 13, 2012 IMPORTANT NOTICE 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 C 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. 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 .~ ~~ ~~ ~~ ~3~~-~~ Robert N. Polas, Jr., Esquire Carrie A. Brown, Esquire Attorney ID # 201259/94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff "l'}u.s communication is from. a debt collector is an attempt to collect a debt. Any in.fonnation obtained will be used for that purpose.