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HomeMy WebLinkAbout12-3598Robert 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. MICHAEL L BUFFINGTON 3605 KOHLER PL APT 4 CAMP HILL PA 17011 Defendant NOTICE c n ?` ?. ? U3 U . ? 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 No. O 74TO1 q- I This communication is from a debt collector and is an attempt to collect a debt. ? Z^rL 4t^ 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. MICHAEL L BUFFINGTON 3605 KOHLER PL APT 4 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. Defendant MICHAEL L BUFFINGTON, is an adult individual with last known address of 3605 KOHLER PL APT 4, CAMP HILL PA 17011. It is averred that Defendant was indebted to WELLS FARGO BANK N.A. on June 1, 2009 with account number ************5838 (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. l'1 E. .w a€ ? : ,?:,t >n Is from a (it 'it collectoi, an(,l i an attempt to colle( ?itormGttio ?1,? .;lt> _FI will be us d 16r thm 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. 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 16, 2010. 8. Plaintiff is the purchaser, assignee and/or successor in interest WELLS FARGO 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 $5,825.45. 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, MICHAEL L BUFFINGTON, in the amount of $5,825.45, plus costs of this action and any other relief as the Court deems just and reason 1 Robert N. Polas Jr., Esquire # 20125"" Carrie A. Brown, Esquire # 94055 11-64668 is Boll is from a debt {.olIec°tc+r and i-, <111 At("nI ! i+.? C(II ;c°t 11 dc1,t. t ° irll';rination e bviii a ?. i11 tic use J l' )r 1,11?lt VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Anita Bray 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 f4lsification to authorities. Date : MAY 15 2012 11-64668 By: Custodian of Records 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: ************5838 MICHAEL L BUFFINGTON Account Holder: MICHAEL L BUFFINGTON 3605 KOHLER PL APT 4 CAMP HILL PA 17011 Consumer Account Product Code: VISA Issuer: WELLS FARGO BANK N.A. Assignee: Portfolio Recovery Associates, LLC Account Number: ************5838 Date Account Opened: June 1, 2009 Date of Last Payment: April 16, 2010 Date of Charge Off: November 30, 2010 Balance at Purchase: $5,825.45 Purchase Date: June 28, 2011 Balance at Charge-Off: $5,825.45 Less Payments: $.00 Balance Due: $5,825.45 11-64668 WLSL50 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, Anita Bray 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 WELLS FARGO 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 June 28, 2011. 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 MICHAEL L BUFFINGTON ("Debtor") to the Account Seller the sum of $5,825.45 with the respect to account number (************5838), as of November 30, 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 $5,825.45 as due and owing as of the date of this affidavit. Portfolio Recovery Associates, LLC By: Anita ray , Custodian f Records ibed and sworn to before me on MAY J 5 2012 , 2012 ota ublic ?lar??r; V!ta ©Hr.?onvEaiih of V g ma 11 6 668 ?1? Notary pubic C cmm!ssicn NO. 7509710 l _ y__m Iss on =xrirAs ' - /20 5 nmurjicaijI on is fiom a debt ., >tlcc°tor tnd is an attcm,pt to conco a clewl?t. l? i tic}z obtaim"d xv,11 that purposci Exhibit 1 SHORT FORM PURCHASE AGREEMENT This Short Form Purchase Agreement ("SFPA') is entered into this 28th day of June, 2011 by and between Portfolio Recovery Associates, as Buyer, and Wells Fargo Bank, N.A., as Seller. Pursuant to the terns of an Agreement for Purchase and Sale of Charge"ff Accounts (the "Agreement") dated as of June 24, 2011 and executed by Buyer and Seller, and this SFPA, Buyer hereby purchases and accepts, and Seller hereby sells, assigns, transfers, and conveys to Buyer, all its rights, interest and title in and to the Receivables listed on,the attached Schedule A. The Agreement is incorporated herein and made a part hereof as if fully set forth. In the event of a conflict between the terms of this SFPA and those of the Agreement, the terms of the Agreement shall prevail. All teams defined in the Agreement shall have the same meaning as given in the Agreement when used in this SFPA. Seller. Wells Fargo Bank, N.A. Buyer: Portfolio Recovery Associates, LLC Number of Receivables: - Outstanding Gross Balance of Receivables List of Receivables attached hereto as Schedule A Cut off Date: June 22, 2011 Closing Date: June 28, 2011 BUYER. PORTFOLIO RECOVERY ASSOCIATES, LLC By: r Name: lay Title: SELLER. WELLS FARGO BANK, N.A. By: ' Name: Thomas LaCentra Title: EVP 18 WLSL SD WELLS FARGO VISA Account Number 6838 Statement Billing Period 11/17/2010 to 1 1/3 012 0 1 0 Page 1 of 1 Balance Summary Previous Balance $5,825.45 24-Hour Customer Service: 1-800-642-4720 - Payments $0.00 TTY for Hearing/Speech Impaired: 1-800-419-2265 - Other Credits $5,825.45 Outside the US Call Collect: 1-925-825-7600 + Cash Advances $0.00 Wells Fargo Online: wellsfargo.com + Purchases, Balance Transfers & $0.00 Other Charges + Fees Charged Send General Inquiries To: $0 00 + Interest Charged . PO Box 10347, Des Moines IA, 5030 $0.00 6-0347 = New Balance $0.00 Total Credit Limit $5,000 Total Available Credit $0 Cash Advance Limit $2,500 Available For Cash Advances $0 Payment Information New Balance $0.00 Minimum Payment $0.00 Payment Due Date 12/11/2010 Transactions Trans Post Reference Number Description Credits Charges 11/30 11!30 F52990ONY00999990 CHARGE OFF ACCOUNT-PRINCIPALS 5.220 54 11/30 11/30 F52990ONY00999990 CHARGE OFF ACCOUNT 'FINANCE CHARGES" . 604.91 Fees TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged INTEREST CHARGE ON PURCHASES 0.00 INTEREST CHARGE ON CASH ADVANCES 0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $220.30 TOTAL INTEREST CHARGED IN 2010 $404.37 Interest Charge Calculation Your Annual Percentage Rate IAPR) is the annual interest rate on your account. Type of Balance Annual Percentage Balance Subject to Days in Rate (APR) Interest Rate Billing Cycle Interest Charge PURCHASES 13.99% $0.00 14 $0.00 CASH ADVANCES 21.15% $0.00 14 $0.00 Wells Fargo News In the section of your statement titled 2010 Totals Year-To-Date, the TOTAL FEES CHARGED IN 2010 may not include the following fees (Returned Check Fee.. Returned Item Fee, Returned Payment Fee, Phone Pay Fee, or Rush Card Delivery Fee) if they were assessed to your account for the time period of January 1, 2010 - February 22, 2010. To obtain that information, please contact Customer Service for assistance. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ABOUT YOUR ACCOUNT -`596 YxG 1 5 10 101130 0 Z X PAGE 1 of 1 1 0 5299 4300 WOHW o1DP5596 Account Number 5838 New Balance 0.00 Minimum Payment $0.00 Payment Due Date 12/11/2010 5 8 3 8, YKG 125 Amount Enclosed II'??IIInr?I?II?rI?IrrJ?rlllllnrllr?l?ll?l?ll?ll?ll'?I?I?I1111 WELLS FARGO CARD SERVICES PO BOX 6412 CAROL STREAM IL 60197-6412 MICHAEL L BUFFINGTON 3424 WALNUT ST CAMP HILL PA 17011-2744 nlun????l'I?Ilrll?'?I?Il?lnl?n?ylhr?l??llllid lrllllr??rrr Check here and see reverse for address and/or phone number correction. IMPORTANT INFORMATION ABOUT YOUR ACCOUNT Billing Rights Summary. if yen behave your bill is wrong (an "Error), or It yon rued more information about a transaction on your bill, write to us at a separate sheet of paper as u.n as possible at P O. fox 522, Des Manes, IA 50306-0522. We must hear from you no later than 60 days amer we sent you the first bill on which the Error appeared. on may unity us using other means (molki rig calling us at the nwnhat listed on the front of the statement), but dotrg so will not prosetve your rghts. In your letter at "Wuhan Notice'), provide fire f.11-Ing information. • Your name and account number. • 'I he data and dollar amcxnt ot suspected En a. Description of the Error and why you believe there is an Error. If you need more information, please describe the ban you are not sure about. You io not he. to pay any alleged Error emoted wht. we ere investigating, but you are still obligated to pay the parts if your big that are not pert of the alleged Errol .mound. 'Ailiin we investic)&te, we ..not retxxl you as delinquent or take any acllon to ocAed the alleged Error amount. If you have authon-d us to pay your credit card bill automatically from your savings m checking amount . you can slap the payment on any amount yar believe is an Ermr. To slop the payment, your Written Notice must reach us three (3) Dust— days before the automatic payment is scheduled to occur. Special l7uk 7ur Credit Card Purchases: If you have a problem with the quality of goods or services you purchased with a credit card, and you have tried in good faith to correct the problem wigs the mentrom, you may her have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price sues mare then $50 tad fie purchase was made in your home state or within 100 miles n yar mailing address and you have not paid the We- of the clawed chain.- It we own or operate the merchant, or l wa mailed you the advertisement for the penporty e services, all purchases are cove ed regardless of amour( or location of purchase. Credit information. NOTICE We may furnish inkxmaaoo about yore accent 1. consumer reporting agencies. You have the right to dispute are accuracy of information that we have reported by writing thus it PO, On. 5445, Portland, OR 97228-5445 and describing the specific information that is inacculd e or in dispute and the basis for any dispute with supporting doommotannn. In the case of . ?.nformation that you beleve relates (a an identity (hall, you will need to provide us with an identity theft report Payments. 'Confornang Payments' are payments mailed using the enclosed i mulope and payment coupon to the payment address specified on the statement or, generally, made -via the 'Transfers' tab of Wells forgo Online Banking at www.welisfargo con. Cnfomkiq Payments receiv.d via mail by 500 p m. will he rsetlted as of the dale at receipt. Confoming Payments reoaivW map 5:00 p m. will be credited as of the next day. Cutoff times far Canforrmg Payments made via our Web site wig be disclosed at the amt of the transaction. 'Non-Confwmi ng Payments' are payments made by any other inners antl rtay rot romiw credit for up to five days ether the date ol remipt. Non-Conforming payments include, but are not limited to, placing the provided envelope and paymert coupon in another ervelope- tJorice AMU( E'ecrronc Check Converson When you provide a check as payment, you authonz. us either In use information from your check to mike a one-time electronic fund tear?sle, from your --of or to process the payment as a check transaction. When we use information fmm your check to make an alectronic fund transfer, funds may be mlhdmwn from your account as smn it, the same - day we receive your payment, and you will not receive your check back from your financial institution P.hmorf!d Fail for Less Than Account Eaf mce Pequest: It you intend to pay your account in full with can amount less heal the total owed on your a-mil, you must send your request to o:s at 110 . Box 1471, Padanq OR 9720&5077- Sueh paymens will cwt discharge yoix Rrq debt. How We Calculate Your Balance. We use a method mlitd "avemc_,a daily balarxwa (tnctudirg now purchas:as)"- r-e more mfamatwn regarding nits calculation, please ran our toll tree Customer Sorvim number located on the hoot cif this slatemerd. How to Avoid Paying Interest on Purchases. Your Scheduled Pey-A Due Date is el keas125 days mrer the close of each billing period. We will not chage you interest on purchases if you pay your cable balance by the due date each month. We will begin charging interest on cash advances and balances transfers on the Uansaebon date, SeCtlged ACCOUnts. For Secured accounts, your aedt card account is secured by a pledge of your Secured Card Collateral Account with Wells Fargo Bank, N.A., established in connection with your applirabon forthe card. You agree that this pledge includes and gives the right to Bank to redeem, called and withdraw any part a fie fug amount of the Secured Card Collateral Account upon any dem.ft under your Secured credit card agreement, or in the event yeur S-amd aedil card agreements terminated by Bark for my reason. This piedge rs given as a severity interest for any and dl amounts you cove, 'including interest, fees and costs which may accrue under your Secured credit card account . You agree that if yar Se and .edit card ac surd is dosed for any reason, the hank may apply funds in the Secured Card Collateral Account to pay OR any balance on the credit card account l (there are still funds remaining in the Colateraf Account after doing so, these turns may n mam on deposit for up to 60 clays before being mottled to yen. calls between bank employees aril our customers may be monitored and nN.aded by .supervises o ensux'e qualiy of service Customer Service monitoring. some INFORMAC16N IMPORTANTE SOBRE SU CUENTA Resumen de Derechos de Facturac16n. Si tree quo hay atom era ea su estado do werda (un'Eum"), . si oocesila it, infonnacdn sub. ura Uansacri6t quo .pan.. ea v.i esledo de aata, por lave esaibanos en ura hot. ..Wed. tan pronto cane to see posibfa, a fa siguieom di-,6h, P O. Be. 522, Des Moines, IA 50306-0522. Deb. comunicamer non nosonos denho no un lapse de 80 Aias de la tech. en qua lc fr ryamos ermado e) primer estado de cuerAa en qua apared6 el Error. Peale canunimr con no iros per otms medios (lo qua mcluye Ibmanws al rrimnro qua apaece, an of frents del estado de ouenta) pao at haceo no preservara sus der.chos. En sit mrto (rma "NOttimci6n per Escnto"), por favor iodine is siguenfe atior earn, • Su nombre y nrmero de chants. • to tech. V at -to an d6lam. del Error del quo soap scha • Una deswpcion del Error y la noon nor fa cool listed tree quo as un Ermr. Si nonesta mas informacidn, pot favor descnba el item del quo no esla seguro_ No bents que pager d mono del supwalo Error un enms to invesaguemos, pero segu m obligado a pager las Washes del saldo de su ouenta que no formal parte del mono del supuesto Ena. Mienms nvearguemos, no part, s reported ea wticil de di udor moroso, m loma m eddas pare cobmr at mal del supueslo Error. Si nos he aufonzado a pager su cuenta de militia de ailed, de mamem automatics desde su cuerrte de cheques o de auorros, peede suspender at page par audquier rt.no quo case quo as an Error Para suspender at pogo, su Nofificaddin por Esailo debt Ilegar.s tms (3) dies hall antes del din an qua este progmmado at page mforratico Pegra Especial M. Conrpras con Tapets de Cminfis: Si ustart it- algdn problems con fa calided de lot lien., o servii-s quo adgmnei con ura lajeta de credit., y he intatado de Mtune to resolver at poblare can et comerciane, peak no tempt qua papa el monto resfante adeWado per los bienes o s.rvidos. Usteed cuerta con esta protection solamerte si el predo de c ipra superb a los $50 y 6 ompre tee realizada an d estado an qua reside o a near dtstancia onsuperi.r s 100 males de su d melon postal, y saempre que her hay. pagoda, of soido del cargo on dispute. Si somos los pa M etenos u opera ices de dicta mmercio, o sr b errvfamos por Canso un axxeb publicdwr de los bienes o servicim, lodes has c.eopos estan arbenas, sin trrywrtar l monlo o lug. de to compre Informeef6n de Cr6dlto. AV)SO Podremos der i rkemeci6n sabre su cuenta a has agencies de informae; soon, con suendores listed (tare el dereciao a cuesterer le exactitud de W intemacibn repodada per nosdros al a mbr a la %gtienle chwci6n: P.O. Box 5445, Portland, OR 97228-5445. En su carte, debaa des nbir la ntormaci6n especiica que sea inexacte o en dmputa, y lurdemenla walquier dispute con dowmentacion de respaklo. Si considers quo se trals do internal roleclonade con at ratio de idenodad, dabs erwian.s one demnda de rob. de idenlided mmspondlente. Pages. Los Patps an Cmformided' son pegos eaviados con at sabre Wreath y Won de pap a to dlwci6n de pego espectficada on at estado de cuenta o en general a troves de to fiche 'Transfers' (sob dispomble an inglos) de bs servtc)us bencarlos par Interne(de Wells Fargo M www.welSfargocom. bas Pagos at Confomidad redbldos par corme, a ones lender a las 5 p.m. semn acredtadoe a le lame de su recibo. Los Pages era Conformidad mcibidos de5pu6s de las 5 p.m, semn aaedilados at df a siguiente. Les hens de Ilmite Pare Pegos an C f rmided malt-be a eaves do mostro siao Web serm revelad s d maimenter de le trasacci6n. Los'Pegos an Incumplimiento" son pages efeduedos parr cudquw duo rradio y as posble We no metban aGdto entente testa 5 dlas despms de la tech. de rmho. Los Pegos en Ixumplinieno irwluyen, sin limitad6n, purer a sobre popodoredo y taldn de page en oUO sobre. Aviso Sobia Conversidn de Cheques E/edriinicos: AI popenciornar ern cheque come fore de page, usted nos do w ouleavaabn Para utikzar to inpma:ion de w cheque a fin de Matzo( ura vela tmnsferr ,s electronim tle su wenta o pr.cesa el pwp taro ura traaea:iori de claque. CueMo nrosotros usenws to irfartacidn de su tlrerlue pare reakzar ere Uanstaencia electrirrtra dt foddos, .co memos podran sir rerrados de so arenra tan raped. cone at mismo dia an quo reathmes. su pago, y au institucton financiem no Is reposes so dceque_ Page Total per un Monfo Wt one, al Saldo de fa Cuent.: S. usled pie.. Itqutda Is Wielded del to. de su i,mante par un -to tenor at m-to total a%ad-%ee so went., debate enviamos su soNCaud a la siguiante direction' P O. Box 5071, Portand, OR 97208-5071. Didlos pages r. canmlaran 1.tetabdad d. su dada. C6mo Calculamos Su Saltlo. Usionics an matodo dencermado "sando diato promedio (irwtayendo nueyas comps)". Pare mas iniorm.ci6n acerm de este cekub, per fawn pare a nuesao numbro gmfudo d. Service at Cliente indiction at trente de este estado de comm. C6mo Evitar Pager Intereses sobre Compras. La Fecha de Vencrmiento do so Pago Progremado as at manes 25 dies despues del clan a de rade peniodo de factumcian. No co gaeuas interests sable las mmpms st ust.d page la tdalidad de su sddo a mas tadar en fa facha de vexckNm(o de cads mas. Com.nzarernos a cagy inferaes sobre adelantos m efechvo y tmnsfor 4ras no saldo a to fech t de transaction. Cuentas Carantizadas. Pare Cuenas Gererezedes, w cuento de tajera de credto estii garair dia par Is mirage an prerda de an Chant Cdateral de Is Tarjeta Gersntizada de Mills Fargo Bank N A., establecida en reiscton con su Ealicaud de la tapeta_ Usted wnvien , an quo este entrags an panda include y do at esnm at tlaeeho a redimU, contrary hoofer cudqua pads o to totakdad del rwnlo depmfmdo en la Coma Colelerd de lo Tajeta Gamrtimda m ease de eudquw ado de incurrplinienb beg. su co - de la t.gj to de kiwi(. gaanfiz.d., o en case de que did. convenio sea termaedo pe el Bexo, por -loner -five. Esle pianos se extrege corn garomfe, tle mde ono y radios lost mention one usted adeude, inclutdos les intereses, wofas y costos quo puedm nominal arso bell, su Cueds de Ta7eta eft Csedto Gnrantizads. Listed esto tle acuerdn en quo si su Cuerta do T.M. de Ceadto G-llizada se as e, par cudgmar mzon, al berm podia mlicer dos tondos menenidos ea Is C+uens Colst.rol de la Tarjeta Gas b-da pea Iqudar wdqumr saldo en fa cwne de "te de crodto_ SI d.spuos de hacedo aun queden fordos rn le Qenta Colatoal, dews falcons Inaction prmeraemr an deposit. durante haste, 60 dies antes de quo seen remtidos a u'mcl Monitoreo dal Servlcio al Cliente. Agunas Ilarrams ontre [as emploodos do baron y nuestros client., pueden set montoraada5 y grebades par Ins supor isoms Pam as.gurar to cmdal del CMCn. Of DP5596 - 3 - 01/18/2010 ®2010 Wells Fargo Bank, N A. All rights reserved. Tod- dos dorerfaOS mservados. Change of Address Form -if your address has changed, provide your complete hew address below. Be sure to check box on reverse side of coupon and enclose in the envelope provided. Please use this section only for address changes. If you have any questions, pieasa call the toll-free customer service number oh the front of this statemen. Formulario de Camblo de Direeci6n - SI su direction ha camblado, proporcime w nueva direcclon completa abajo. Asegurese tle indictor of cundro at dorso del capon y adJ6ntelo an of mbre oral For favor use esta sai solamente Para cambios de direcd6n. Si tone progenies, por favor lime al numero de SeMCio at Clients at fmnte de este estado de watts. ACCOUNT- ACCOUNT Y t _ 15 FIRSI =! - is LAST ij c NAME n c :.. .,!..a..rl NAME .:...:....... r... NEW ,.• .... ='on.,?,-:;c4F sin- „r:c., . .. 3- T. s. STREET 5 ADDRESS n .' i ,... E -?_ 3. ; - .. .. c-rr -:_T_:.F .°'_?5:ism-Sri T;pR'v :n..tzi: a, n `s :v = 3i _ PO BOX/ _ 5 APT # R F: M r dt =_ i.' :Ea.ivE deli=dxdzri,r S :riaiC'`nP:i;NrEx-n'x:E?oiari.Eii[?nr,in"l te:?:i:iE?Eta.3'n`eEl„izR.adAaaaf'va3.'n.-acaaHi,'elaB::,T;:v?;r,.aa, dauE ! ?ar. ?aaaax.., i,,, . , 'v CITY. i ! (° 4 STATFJZIP ;! F'o IN iiisisr. a; HOME WORK y -I PHONE PHONE Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY 1H +=R'0 ' 1C J it^v V,?cs;•,?+ tai ?crrri?;?,t?,t Lr,7 R -3 A4 8: 2S CUM ERLA Q 001UNI TY PEA INSYLV,4,41 1A Portfolio Recovery Associates, LLC vs. Case Number Michael Lee Buffington 2012-3598 SHERIFF'S RETURN OF SERVICE 06/29/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that on June 29, 2012 at 1425 hours, he was unable to serve a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Michael Lee Buffington. After several attempts Deputies were unable to reach the residents at 3605-4 Kohler Place, Apartment 4, Camp Hill, Pennsylvania 17011, this is a secure building. SHERIFF COST: $43.00 SO ANSWERS, June 29, 2012 RON R ANDERSON, SHERIFF t e>>ffi ?nrtt Ir; iUL P??r??ONOTA,1; IN THE COURT OF COMMON PLEAS OF CUMBERLAND CO W, YLVAN WG -2 AM 10: n12 PORTFOLIO RECOVERY ASSOCIATES, LLC CIMEt?I.At?©G4UF1?Y 120 Corporate Blvd ?''?N?"?YlV?N1A Norfolk, VA 23502 NO. 12 -03598 Plaintiff v CIVIL ACTION - LAW Michael L. Buffington 3605 Kohler PI Apt 4 Camp, PA 17011 Defendant(s) SUGGESTION OF BANKRUPTCY Court: AND NOW, comes Plaintiff by and through its attorney, Robert N. Polas, Jr., and would show A petition has been filed for relief under Title 11, United States Code, in the United Bankruptcy Court which bears the case number 12-03586. 2. Relief was ordered on June 13, 2012. 3. This action is founded on a claim from which a discharge would be a release or that seeks to impose a charge on the property of the estate. 4. This is for informational purposes only, and does not constitute a notice of appearance by he undersigned. WHEREFORE, Plaintiff suggests that this action has been stayed by operation of 11 U.S.C. § 362. Respectfully Submitted, By: Came . Brown, Esquire, ID # 94055 Mark R. Garvey, Esq. #312686 Robert N. Polas, Jr., Esquire, ID # 201259 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, Va 23502 1-866428-8102 Fax: 757-518-0860 CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Praecipe was served this C? day of July, 2012 by same in the Post Office, first class mail, postage prepaid, addressed as follows: Dorothy L. Mott, ESQ. 125 State St Harrisburg, PA 1710k Carrie A. Brown, Esquire, ID # 94055 Mark R. Garvey, Esq. #312686 Robert N. Polas, Jr., Esquire, ID # 201259 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfok Va 23502 1-866428-8102 Fax: 757-518-0860 11-64668 Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Attorney ID # 94055/201259/312686 FILED-OFFICE Portfolio Recovery Associates, LLC OF THE PROTHONOTARY 120 Corporate Blvd 2013 APR 12 PH 2: 54 Norfolk, VA 23502 Attorneys for Plaintiff N SYLVANIA 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 03598 V. MICHAEL L BUFFINGTON 3605 KOHLER PL APT 4 CAMP HILL PA 17011 Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respe y Subm' ed, 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 11-64668 This communication 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 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. 2012 03598 V. MICHAEL L BUFFINGTON 3605 KOHLER PL APT 4 CAMP HILL PA 17011 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue upon MICHAEL L BUFFINGTON, by First Class Mail, Postage Pre-Paid, a copy thereof on this a day of , 20�✓,to: MICHAEL L BUFFINGTON, 3605 KOHLER PL APT 4 HIL A_ 011 11-64668 obert 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 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.