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HomeMy WebLinkAbout12-3910Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie A. Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates LLC sl0Tjki 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 RRV } fJ, FAX: 757-518-0860 Attorneys for Plaintiff ? a 'tDE M AND 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. 101- 391c) civil v. AKIKO BAZAN 512 3RD ST CARLISLE PA 17013-1807 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 N? a.,t .1O3•-7S P a l This communication is from a debt collector and is an attempt to collect a debt. A )W897 Any information obtained will be used for that purpose. ^-'-? r1 S 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. AKIKO BAZAN 512 3RD ST CARLISLE PA 17013-1807 Defendant NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o obejciones a las demandas puestas en esate contra usted. usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. usted puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN ABOGADO, VAYAO LAMME POR TELEFONO LA OFICINA FUADA 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 informati.oii 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. AKIKO BAZAN 512 3RD ST CARLISLE PA 17013-1807 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 AKIKO BAZAN, is an adult individual with last known address of 512 3RD ST, CARLISLE PA 17013-1807. 3. It is averred that Defendant was indebted to CAPITAL ONE BANK N.A. on July 3, 2008 with account number ************6082 (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. This comet nlication is from a debt collector and is an. attempt to collect a debt. Any information obtained will be used for 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. 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 12, 2010. 8. Plaintiff is the purchaser, assignee and/or successor in interest CAPITAL ONE BANK N.A. and Plaintiff is now the holder of the Account. A true and correct copy of the affidavit is attached hereto and collectively marked as Exhibit "A." 9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of $816.12. 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, AKIKO BAZAN, in the amount of $816.12, plus costs ofthis action and any other relief as the Court deems just and reasonable. Robert N. Polas Jr., Esquire # 201259 Carrie A. Brown, Esquire # 94055 11-51628 This communication is from a debt collector and is an attempt to collect a debt. Anv information obtained will be used for that purpbse. 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 : JUN 0 5 2012 11-51628 BUstoidilan of Recor s 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: ************6082 AKIKO BAZAN Account Holder: AKIKO BAZAN 512 3RD ST CARLISLE PA 17013-1807 Consumer Account Product Code: MC Issuer: CAPITAL ONE BANK N.A. Assignee: Portfolio Recovery Associates, LLC Account Number: ************6082 Date Account Opened: July 3, 2008 Date of Last Payment: April 12, 2010 Date of Charge Off: November 18, 2010 Balance at Purchase: $820.43 Purchase Date: December 13, 2010 Balance at Charge-Off: $816.12 Less Payments: $.00 Balance Due: $816.12 11-51628 CAPJ85 This communication is ftom 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. Mary L. Moore I, the undersigned, , Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: 1. 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 December 13, 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 AKIKO BAZAN ("Debtor") to the Account Seller the sum of $816.12 with the respect to account number (************6082), as of November 18, 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 $816.12 as due and owing as of the date of this affidavit. P lio Recovery Associates, LLC O B Dore, Custodian of Records JUN 0 5 2012 Su c bed sworn to before me on of , 2012 N ary Public 11-51628 A e a N. King Comm alth of Virginia Notary Public Commission No. 7509711 " My commission Expires 05131/2015 "I'liis communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. caps NA Ca I SM C.ap W One Drive Sichmond, VA 23238 Ba?/1/C Exhibit 1 to Forward Flow Receivable Sale Agreement dated June 30"12010 BILL OF SALE Closing Date: December 13'", 2010 Capital One Bank (USA), National Association ("Seller"}, in consideration of a Purchase Price of and other valuable 'consideration, the receipt of which is hereby acknowledged, hereby sells, assigns and transfers all right, title and interest in the Accounts identified in the Sale File entitled 20101208.PS48CP.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 June 30`x, 2010, 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 December 8s', 2010. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date was CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION Name: Lab= Stalls Title: Recoveries MVP CA PJ 85 1 CYCLE # 17 CAPITAL ONE CYCLE FACSIMILE REPORT 1 ACCT-ID 173 CARD## 082 STMT-TYPE: SPANISH REWARDS: N PREV-BA $770.69 PYMTS&CREDITS $0.00 INTR CHRGS NEW-BALANCE $816.12 MINIMUM PYMT $351.00 LATE FEE CREDIT-LIMIT: 500 CREDIT-AVAIL 0.00 CASH-LIMIT RPAY-TOTMTHS: 86 RPAY-TOTCOST $1,307.47 36MA-MTHPAY INTEREST-CTD: $10.43 INTEREST-YTD $90.57 FEE-AMT-CTD HIGH-LATEFEE: $35.00 HIGH-PNLTY-APR: 23.1516 OVERALL-APR OOB: N MISS-ADDR: N BK-HOLD: N BANKRUPTCY: N LEGAL: N CTC-CHG-IND: NEW: N EBP WATCH: WO CRED-RVK: PD CUR-PD: 07 CTC IND: INS: RETURN-MAIL: CLOSE: MULTI-IND: S PROV-ID: 000001 US PROF-CNTR: 0000000001 COB SERVICE-OWNER: 0 AKIKO IWAMATSU BAZAN 512 3RD ST CARLISLE PA 17013180712 US NAME: AKIKO IWAMATSU BAZAN NO CREDIT TRANSACTIONS FOR THIS CYCLE NAME: AKIKO IWAMATSU BAZAN NO DEBIT TRANSACTIONS FOR THIS CYCLE TBAL C/I BALANC Purchases 0001 02 Cash 0002 02 TRANSACTION DATA SUMMARY OUST TYPE: 0 PRINT AREA: 001 NUM OF NUM OF CUST TYPE: 0 PRINT AREA: 020 NUM OF NAME: AKIKO IWAMATSU BAZAN CUST TYPE: 0 PRINT AREA: TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION 11152010 PAST DUE FEE NAME: AKIKO IWAMATSU BAZAN OUST TYPE: 0 PRINT AREA: TRANDATE REFERENCE NUMBER MERCHANT DESCRIPTION 11172010 INTEREST CHARGE:PURCHASES 11172010 INTEREST CHARGE:CASH - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 070 NUM OF 090 NUM OF 500343 Debido a que usted tiene 7 pagos atrasados, su cuenta funcionara de manera diferente. Consulte la p3gina siguiente para obtener informaci6n importante sobre la cuenta. P49WA 1 de 3 1.100.756-9319 www.capitalone.com/sohnions OR 18 - Nw. 17, 2010 31 Dias en el Cido de Facturacidn INFORMAC16N ACtUAU7ADA SOW LA CUENTA Plat)nna MasterCard 21 El pago de la totalidad de su saldo se ha venddo. Cualquier pago que efed6e le ayudara a I j E reducir saldo y liquidar la deuda mas rapidanwte. No obstante, puede que la cardidad que SALOO NUEVO CANTIDAD A PAGAR FECHA DE VENCIMIENTO I se le exiia pagai de inmediato vale, si acept6 un acuerdo de pago por separado. 5616.17 $616.12 PAGO VENCIDO Cridito Disponbe: 50.00 Saldo Anterior Pagos y Crdditos Intereses y Cargos ApOcados Transactions Saldo Nuevo 5770.69 - S0.00 } S45.43 e -- - J - _- J } l- - 40 ,00 5816.12 TRANSACCIONES PAGOS, crli TOS Y AIUSTES PARA Alow IwAMATSu BAZAN #6062 CARGOS/CUOTAS 1 15 NOV PAST DUE FEE 535.00 Total de CargoVCuotas Este Periodo $35.00 Total en Cargos/Cuotas Este Arlo 5325.00 INTERESES APUCADOS INTEREST CHARGE. PURCHASES $5.49 INTEREST CHARGECASH $4.94 Total de Intereses Este Periodo S10.43 Total de Intereses Este Arlo 590.57 Estamos para Apdarle. Simplemente levante el telefono. Clan gratis al 1-800-258-9319 y un representante capacitado con gusto le ayudar6 a verificar su saldo y efectuar pagos.e payments. CALCULO DE CARGO POR INTERESES Su rose de Interis Anual (APR) se refiere a la tasa de interis anual de su cuenta. Tlpo de Sabo rose de IMeris Soldo Suieto a la Cargo por Anual (APR) Tasa de Interis Irdereses Campras 12.90%P 5500.10 55.49 Efectivo 20.90%P 5278.39 i 44.94 DEVUELVA JUNTO CON SU PAGO LA PORCl6N QUE SE ENCUENTRA EN LA PARTE INFERIOR O COMIENCE SESI6N EN WWW.CAPITALONE.COM150LUTIONS PARA EFECTUAR SU PAGO POR LA INTERNET. (SERVIOO DISPONIBLE EN INGLtS l1NICAMENTE) -082 CAPANWAr Ndmero de Cuente:-6082 Fed)a de verrdmiento Saldo nuevo Total adjurdo Pago Vencido $816.12 - - ----- ------ Maneje su cuenta por la Internet. A?a Visie www.capitatonexomisolutlons para manejar su CLenta por la Interret. (Servido dispenible en ingles 6nicafnente) ?c,g)a ?5c aaesa a sc ofv-tio, gas 24 hams, sin feav que I-KY e1 rcl4fsno. 400004 AKIKO IYANATSU BAZAN 512 3RD ST CARLISLE, PA 17013-1807 Ill. 1111111111111rr1r111111111r1111r11111111-1,11.11111r11111I1r1 Capital One Bank (USA), N A. Box 71083 P.O. Charlotte, NC 28272-1083 1111111-1",-11111i11, 1111111..111111rr 11-1-111,1lrrlll11111r1111 Haga sus cheques a nombre de Capital One Bank (USA), N.A. y envielas par cameo con este cupbn en el sabre adjumo. 500343 Cq~ ,?t- Your account works differently now that you're 7 payments late. Please see the next page for important account information. Page 1 of 3 i-8042584319 www.capitalone.com/soknions Oct. 18 - Nov. 17, 2010 31 Days in Billing Cycle f I. IMPORTANT ACCOUNT UPDATES Platimas MalrterCmd 2 . Yourfull balance is due. Any payment you make will reduce your balance and help payoff NEW BALANCE PAYMENT DUE DUE DATE your debt faster. The amount you owe may differ if youVe entered into a separate payment agreement, $816.12 $816.12 PAST DUE Previous Balance Payments and Credits Fees and Interest Charged Transactions New Balance 1 ?I 5770.69 _ ,....- $0.00 7 } S45.43 .F I 50.00 I = 5816.12 TRANSACTIONS PAYMENTS, CREDITS & ADJUSTMENTS FOR AKIKO IWAMATSU BAZAN $6082 FEES 1 15 NOV PAST DUE FEE $35.00 Total Fees This Period 535.00 Total Fees This Year $325.00 INTEREST CHARGED INTEREST CHARGETURCHASES S5.49 INTEREST CHARGE ,CASH S4.94 Total Interest This Period S10.43 Total Interest This Year $90.57 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 Rate (APR) is the annul interest rate on your account. Annual Percentage 8alance5u*dto Type of Balance Rate (APR) Interest Rate Interest Charge Purchases 12.90%P $500,70 $549 Cash 20.90%P I $278.39 S4.94 I Para cambiar o actualizar su direction, (lame gratis al 1-800-258-9319 o visite www.capitalone.com/solutions 500343 Debido a que usted tiene 7 pagos atrasados, su cuenta funcionara de manera diferente. Consulte la p6gina siguiente para obtener informad6n importante sobre la cuenta. LComo puedo evitartener quo pagar Caro" sior lmereses7 Cade Mosque usted Pogue la totalidad de so 'NUavo Saldo", tundra on otrlodo mmimo de grace de 25 dims en al qua no se I. cobmmn cargos pw interests sobre sus nuevn 1) compras, 21 transfermcias de saldos, 3) compras especial" y 4) dermas cargos. 51 used he "tatlo pagando Is totalided do so sak)o sin quo se Is aplquen cargos por mtereses y no page lodo ell saldo do so proximo eslaclo de cuenta, a le impondrin catgw por millions promateados. No hay pafodo de grotto pars scleantos de dasero on d"tlvo, transferencin especlales m ninguna otm transaccidn noeva cuando arste Lin aldo pendiente de pago de on enado tle cwna anterior. 4C6mo se optics of "M per Inures"7 Los cargw par inter"" to acumulan dimde 1) Is /echo de la trms-fit, 2) le fecha m quo st process to transaction o 3) el primer dla calendano dal penodo de facturacdn. Se acumulan cargos pro interests sobs lode cantidad pendimte, de pago haste qw esa se pagut on w totalWad. Esto quiet* deck quit sunque pager todo el 'Nuevo Saldo' de on mes, puede que Listed deba cargos pro mtereses si no pag6 el total del saldo did mes ant"r. Los cargot por intention persdimt" de pago so suman a) segmemo comespondienle de so Cutem. Sin embargo, nos reservamos el descho de no apltcar cargos pro mteres" m cuaquler momemo. i.Aplin Capital Ont on Cato Minims or Imem oe7 SC So impondri on CARGO mintmo por iNTERESES de $0.sow coda perbdo de facturaclon m que w cuenta else wjeta a on cargo por intNeus. 205 quo forma Calculd CAOdal one d Caroa oor Intereass7 En reship d zon ratios Los calculos que"uhloan pea dderm)nar el total de spa cargos pot intensities, 1 Paris obterner Sa'do Oumo: Para cada segmento, 1) Tome al sado uncial y some less tranaccion" notion y el cargo pen6dko pro mtereses sobre at aldo dal dal anterior 2) Rests cualquler pago ycredno mgisNado m to segmento pan on dla. B resultsdo to al aldo doino pan coda segmento. Sin embargo, si Listed pa96 el total dal sa)do del mes anterior (o st so soldo as de uro d6leres, o tenfa on crtdRe a so f"orl, las mitten trmaccion s quo a regittnn m so womelmo de connotes, o compres especial", no se roman a los said" districts. Tampoco so roman a los saldos diarioa In transaction" out .din wjetas a Lin perlodo de gracia. 2. Para calculer w saldo Promeda Dram 1) some bs aldos darios y 2) divide el ronuaado de as sums por el umero de dies en el cv:lo de factufaciOn. 3. Estmme to Cargo Total pro Internet 1) mulhplgw so saido promedio diano pro Is test peri6dica diem y 2) muhrplgw al ronuhado por el numero de dies en el perlodo de facturaci6n. NOTA: Debido a qua se redondea Is cfra o a qua mete uro cargo mmlmo por imfraa, a poslble cuts hays u ms vansclon entre site cikulo y e) cargo reel por interests quo;* impongs en so cuenta. Ll.e "Cntidad a Pegu'"la Conti aena oars Saldar la Cwma7 No. Tod" las cantidades seANedos se adesiden w= did tstado de cuenta. Sin embargo, debdo a qua lot interests, cargos pot straw on at pago y otros cargos pudiesan camber de on des pan olm tal como se indica en so acuerdo del clients, es posible que Is cantidad odeudada its mayor qua la cantidad dal dla del pago. Por ejamplo, st page Is amdad n-ionada en role estado de cuenta, puede que so cuenta lodava present. Lin sold. despoils de quit recibamos so pago. Tonga presents qua tambitn police qua Is "Midod adeudado sea ddereste si usted acpt6 on acuerdo de pago por sparado. Para abercual m Is cantidad exacta Para solder so cuena, (lame al numero qua spews, on e) frente do] estado de clients LCbmo puads cembia no Tau Variable do Im"it "U ll (APR)? Su Toss de Interts, Anwl (APR por sus sighs en mgrs) puede aumentar o diem nor dependiendo de cual de los state indicK anerdams qua a publican on d dierie rho We# SEnotioulnal a utilize pare so cuenta. Para sober coal a at indite quo se use pare w cuenta, busgue el c6d4go (P, L, C, 5, O o F) que se encumtra al Isola de sus(s) Taa(s) de Intents Anwl(es) en el fronts, de site estado de cuerla. '.ego, vea la table mils abaju: D61lsgo d raft 00 su Tan do iMi Astual (APR) Indice salts of quit in bloat pas pan, do I Om tarrdt caamwa su ran do bltafs Mind P Tea Prelse rrohill Milmsl TfIMOW l lid margen d pf n die d7 w ow so Is comur6 prsmommonb : M porloid: L Tea LABOR Trimemprol e el Morgan quo a is faauraer6n que -m.6 pjwismmis armies on Ics C Tea Trimmstml pas Cor6Feadin do Dep6sitoF at n1°°°s do Mora atrrl julio y oetubrs Mfg en qua in M comusc6 provismonte S Two Prdoesncial (Prime9 pus Tv" Bsncaa a at mo en quit so is camurec6 proviartwn0s D Tea Prefororlcid (Prime") Mtnswl + at marger quo D prima rile ere tit 10 camunicil, tribe F Tests LIBOR Mmajd a at magm qua a Is meroual tle cwnurfc6 prsName ft aduracidn G Tool, LIBOR do Is Tseorsdae el margen qua se Is coMor io6 prevismems 4 Hay Comos Adicionales nlecjonad" con mi cuena7 SI, on clerias circunstamos, puede que se imponge on Cargo por Allow en N Pago o pro Pago Daueho Segon lo permia Is ley, tamban a pomblt que se aplquen a so cuenta cargos por Liar is opcidn do sobrpaar al limits de credito. Usted tambitn tendril qua pagarnos locos los gast de cobranzn, honorarios des abogados y costos de tribunales an los qua incurramos, a memos qua Is Iov no nos to permits. Nos reservamos el derecho de no imponerle cargos tom notdicactdn antictpada, tom Po' ello snunciars nuestro derecho de splicer cargos simdares en one fecha posterior LOut wCoda si a Suromde mil Colonisti Podem" cerrar o suspender so cuenta y canceler so derecho a obtener credito m cualgma momento y por cwlquw motNo, incluso s1 no esta a it sadc(a) en el pago. La suspension de Is cuenta poodle ar permanents, o temporal Si se terra o a suspends so cuenta, usted debase 1) dejn do our Is lageta do crodlto y Is cuenta, 1) cancdar todo pago automstico, 3) d"mua todas las tarjetm de cedito y lot cheques de acceso des Is cuenta, y 4) pager todas las cantdeda qua not dabs, aungue se registrom despoils del ..i.rre o -p-.6n do . ..to LComo FlImA to los Amount? Los pagos que nos emle por torte, se acreditamn a w cuenta el d(a labortl qw los recibamos, slempre y cuando: 1) MV4, a parts interior del melodic, de cuenta junto con w cheque on el wore de pago adjunto y 2) se racial el pago en ono de lot centros de procteamlento de Capital One a mat larder tat 5 de Is tattle, hors local. Fvede tom it siete (7) dies laborales Como mmimo, pars que se reoba a hempo el enwo Los pagos eveados por torso qua Capital one mcibs en cwquler otro dmoccion, o de cualgwer Piro matters, puede qua no se screditen en so cumm el dim qua scan reclbidos. tprocea Capital One Chegws Imprts" a manes des one Trandtrencia 6attrdnica de Fonda s7 Cwndo dKtua el pago con Lin cheque, Listed motorize a Capital ale y nuestroe agent. yes sea a utiluar Is information de so cheque part efectwr una unit trandemcis eleclr6mca des fordos prove ientes de so cuenta de dep6sno, o a proceser el pago conto unit tramaccidn con chew. Cuand0 utduem" It irdormacMn tle su cheque Para Nectuar una trarnfermcur electronics do fond", es posible que se reumn log torxios de w cuenta de dp6sito al Morro dim en qua se ncba so pago y w imtituci6n fir enciat no Is devolves N cheque. Su auwmaci6n no one Imumda a Is fecha del cheque. Podonlos volver a presenter of chequt Pont pago y t "trdnkemente cobra los pagos devwllos. Lp W sucede si ono dedaro M Reincarnate? Si time dortcho a is protection qua is concede en casts de bmcamota, considers Is presente comunicacx5n sob con fin" intormatnos y no, como on imerlt0 de cobrar, recupwar, valofaf 0 r"Tamar ulH deuce o recarnwom. No not email mng6n pago sin Mt" hablar con so abogado de bnicarrots o el Tribunal de eancarrom Si time algune preguma referents, a so cowls o procew de bancerrote, indlquek a so abogado quo a comunigw con nlosotnos. 51 Listed o to abogado descant comunicarsa directamente con Is enldod que gestgpa nuestras reclamaciorles de bencarrom, comuniquona con: Capqal OM PO B= 55167 Richmond, VA 232855167 RESUMEN DE LOS DERECSIOS DE FACTURAC16N (NO seAttica a Cuentas para Peguehos Neg.-) Lo que Dobo Wctrsi usted Cne qua lay un Error m Su Estado de Cumta: Si cr" que hay on error en w ettado de cuenta, esci lbanos a: Capital one P 0. Box 30285 Salt Lake City, UT 541304285 Incluya Is siquimn informacl6n on w carte: Infomil fobs Is cuenta: Su nombre y numero de cuenta. _G1Jj4a1dm d6lano: La cantidad on d6lares dal supuesto error. Descnocion del ftWfjna: St considera que hay on error en so estado de comes, describe to qua tree que art trial y por que, Debe comunicarse con nosotros deri de los 60 dims sigunntes a la fecha en que el error ap-a m so estado de cuenta Time qua noul-mos pqr acmq sobre cualquler posible error. Puetlt Ilarrlamos o no141camos via electronics, Pero no nos wormos on Is obligactdn de investgn a] supuesto error y quiets scabs tmlendo que page Is cantidad bajo reclommidn. mimtrn Ilevamos a cabo la missugecidn pare determiner si he habdo o no on error, so apllcasn las conditions siguientes . . No podem" inventor cobrar to cmtidad bajo reclamacidn ni reporter cliche cantidad como almads on d pago. . 6 cargo bald reclamacl6n puede permanecer en so estado de coma y poodle que mntlnuemos aphcando cargos por mar en sobs eta cantidad. 51 demrmmamos que hemos cometdo Lin error, no tads gut pager Is camdad bap reclammidn nil mngun cargo por interest ni d"s carg" slacioned" con Is misma. . Aunque no tenga qua pagar tacantidad bajo reclamacdn, hasta que le envlemot una notificaci6n inn el resultado de museum mvestgacgn, sl as responsable del sa)do restante. Site Derechos M Caw de top Ester Satimfecho(1d con In ComprN quit Efectud con out Tagirts des Crid to. St used no still atidecho(a) con la mercanda o lot servklos que obtueo con so tagete de credito, y he tratsdo do bums ft de comeglr el problems con N comerciante, puede quo longs el deraho de no pager Is cantidad pendiente de pago sobre dkhs compra. Pare haw caw de use derecho, se debo cumplh con to siguiente. 1. La comps debe heberse dectuado on so estado de refidenca o dentro des t00 mi las de so direction pods) actual y el precq de Is compra debe haber sdo mayor de $SO. (Note: Nods de elso sera necesard s1 so compra sit basil, on on anuncio pubk oafb quo N hayam" errvledo por corned, o si soma propletaric s de Is compaills que le vendl6 Is merientje o servi-s.) 2 Usted tiers quit hither utilizado w tarjW de crtd0o pan afectwr la compra. No call ican Its compras hechas on dmero m dectnvo quo se sac6 de on caj"o automatic., nil las compras efectuadas inn on cheque de accew sobre so cuenta de tarjeta de credito. 3. Listed no debe haber paged. la totalidad de Is compra. Si a cumplt con todos los crgerios momionados antenormente y voted continua sin elsar seddecho(s) con le compra, comunquese con nosotros por escrito, a'. Cap let One P O. Box 30285 Salt Lak*City, UT 84130-0285 Mimifa3 II"amos a Cabo Is im etwoo., se aplicarin a Is cantidad bajo reclamaclon less mismes regas mmcionadas anttrdrmente. Una vezlinalueds Is investigation, it mformanmos nuestra decision. Si pare entonca crommos qua nos debe alguna cantidad y no efectua el pago, es p"ible quo reportem" so cuenta como atmsade m el pago. Capital One protege Is prvacdad de Is information: vea nuostro ntto web on -capite- clam (Servlcio disponible en ingies unicamente) Capital One es one nlarca de servicios regntrad. a mot federal de Capital One Financial Corporation. Todos los derechos resmados. ti Z010 Capital one ' SERVICIOS DISPONRILES EN INGLES UNICAMENTE TC-10 05/01/10 500343 CRW omp- Your account works differently now that you're 7 payments late. Please see the next page for important account information. How can I avoid paying Chariots? Intoratill Each month you pay your 'New Balance" in full, you will have a minimum grace period of 25 days vish hormonal charge on all new, 1) purchases, 2) balance transfers, 3) special purchases and 4) other charges. It you have been paying your account in full with no interest charges applied and you do not pay your next bill m full, prorated interest charges will be assessed. There is no grace period on Cash advances, special transfers, or on any new transaction when them is an unpaid balance from a previous bill. sow is the Interest Charge applledl Interest charges accrue from the 1) date of the transaction, 1) date the transaction is processed or 3) tint calendar dry of the billing period. interest charges accrue on wary unpaid amount until it is paid in lull. This mans you may owe merest charges wen d you pay the entire 'New Balance" one month, but did not do so for the previous month. unpaid interest charges are added to the proper segment of your Account. However, we reserve the right to not assns interest charges at any time. Do you asses a Minimsm In Chansi Yes. A minimum INTEREST CHARGE of $0.50 will be assessed for each billing period your account a subject to an interest charge. Now did you Calculate the Imarest [hama7 There are several.kWat- that are used w determine your total interest charge. 1. To get your wily Balance: For each segment, 1) take the beginning balance and add in new transactions and the penodk interest charge on the previous day's balance. 2) Subtract any payments and credits for that segment as of that day. The result n the daily balance for each segment. However, it you paid your previous month's balance in full (or l yow balance was zero or a credit amount), new transactions which post to your 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: 1) add the daily balances together and 2) dbide the sum by the number of days in the billing cycle. 3 Estimate your Total Interest Charge 1) multiply your average daily balance by the daily penodk rate and 2) multiply the result by the number of days in the billing period. NOTE. Due to rounding or a minimum interest charge, this calculation may vary from the interact charge actually essesed. Is the -Payment Den' a Mvcff Mnount7 No. All stated amounts arc owed on the date of the statement. However, because interest, lets charges and other charges might charge from day to day as provided in your customer agreement, the amount due on the day you pay may be larger for example, it you pay the amount stated in this statement, your account might still have a balance after your payment b received. Also note that the amount you owe may differ it You've entered into a separate payment arrangement. PINea Call the number on the front of the statement for an exact payoff amount. How can my wnabb Annual Wrcantada Rata (APR) change? Your APR may increase or decrease based on one of seven standarcl indices reported in red wee sMasJOUmaI. To find which mda is used for your account, look for a code (P, L, C, 5, 0 or F) on the front of this statement next to the APR($). Than check the table below: Cdtle tlesR b War Mnenl Moeetb Rata (MR) Index which your rats are beend on 1M sen yarAnnual Paroenhiga Rau ssll change P Quietly Prime+ margin P'gAou*daolwaobyou TM flat daydit he L OuaMry LIBOR * margin preyi dy dhUoeno to you =1 billing paioda Ihat C 01 1Y CD + margin pnvknsly disclosed b you art in January. April. S Bankoard Prime+ margin previously disclosed to you July and October. O ft.0IV Prime + margin peNoulty dleeleaW to you The that day of each F MonDlly LIBOR • m non previously disclosed to you monthly billing O Treasury LIBOR + margin previously disclosed to you prod. Bea aeeoclasen Cann my aCCOU"n? Yes, under certain Circumstances, you may be amewd a Late or Retumad Payment Fee. You may also be assessed overlimlt fees d permitted by law. You will also be required to pay all of our actual collection expenses, attorneys' fees and Court coots unless the law does not allow us to collect these amounts. we reserve the right to not assess fees wthout prior notice and without waiving our right to assess a similar fee later. What happens if my Account is,byypgpdad? We may close or suspend your account and your right to obtain credit at any time and for any reason, wen if you arc not in default. Account suspension urn be permanent or temporary . If your account is closed or suspended you must 1) stop using your credit card and account, 2) cancel all automatic payments, 3) destroy all credit Cards and access checks, and 4) pay all amounts you owe us, wen d they were charged after the account was closed or suspended lbw do I M&k* EW= t Paymmts you mail us will be credited to youraccount n of the business day we ways them, as long as 1) you send the bottom portion of this statement and your check in she enclosed remittance envelope, and 2) your payment a received in Capital One's processing centers by Spin local time. Please allow at later swan (7) business days for mail delivery mailed Payments received by Capital One at any other location or in any other torm may not be credited se of the day they are received. Do you pmceas Paper Chocks as an EladronicFunds Transfen? When You provide a check as payment, you authorize us and our agents either to use information from your check to make a one-time electronic fund transfer trom your deposit account a to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receam yow payment and you will not rececve your check back from your financial institution. Your authorization is not limited by the date on the check. We may resubmit and electronically collect the returned payments. What if I fib for WDlar-tcII? If you are entitled to bankruptcy protection, this communication is for information only, it is not an attempt to collect, assess or recover a debt or cmrrn Do not and w payments without speaking with your bankruptcy attorney or the 8ankruptcY Court . if you hoe questions about yow account or bankruptcy proceeding,please have your attorney contact us. if you or your attorney would like to contact our bankruptcy cla ims senvicer directly, please contact: Capnal One - PO Box 85167 Richmond, VA 232855167 BILLING FUGNTS SUMMARY (Dote Not Apply to Small Buslneo Accounts) What To Do If You Think You Find A Mlstale On your statement: It you think there is an error on your statement, write to us at. Capital one P O. Box 30285 Salt Lake City, UT 841 30-02 85 In your letter, give us the following information. Arrmma information Your name and account number. Dollar amAwmq The dollar amount of the suspected error. Description of Problem. It you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within to days alter the error appeared on your statement You must notify us of any potential errors in writing. You may callus or notdyus electronically, but if you do man not required to in v estigare any potential error: and you may have to pay she amount in question. while we kwestigom whether or not them has been an error, she following are true. We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on Vow statement, and we may continue to charge you interest on that amount But, it we dalomme that we made a mistake, you will not have to pay the amount in question or any interest or other fee related to that amount. While you do not have to pay the amount in question until vve send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance. Your Rights It You An Dissatisfied 1111i Your Credit Card purchases, l you are dissatisfied with the goods or services that you have purchased with your credit card, and you hoe tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount duo on the purchase. To use this right, all of the foaowng must be true: 1. The purchase must haw been made in your home state or within 100 mills of your current mailing address, and the purchase price must haw been more than $50. (Note Neither of these an necessary d your purchase was based on an advertisement we mailed to you, or if we own the Company that sod you the goods or services .) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM orwith a check that accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase if all of the Criteria above are met and you are nil) dissatisfied with the purchase, contact us m wrdlgg at: Capitel One P O. Box 30185 Salt Lake City, UT 64130-0285 White m kivastigate, the same rules appy to the disputedamount as discussed above. After -finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent Capita) One supports information privacy protection: sea our website at wwwCapitalone com Capita) One er a federally registered service mark of Capita) One Financial Corporation Al rights reserved 1+2010 Capital One TC-10 ('"1/10 200727 Debido a que su cuenta esta atrasada en 7 pagos, se aplicaran los cambios detallados abajo. Esperamos que dichos cambios le ayuden a tomar de nuevo el control de sus finanzas. Su saldo sigue pendiente de pago y pronto nos comunicaremos con usted (ya sea directamente o a traves de una agencia de cobranzas) para hablar sobre opciones para solucionar su deuda. Usted es responsable de pagar el saldo total en su cuenta y todo gasto de cobranzas, honcrario de abogados y costo de tribunales relacionados, a menos que la ley no nos permita cobrarlos, tal Como se indica en su acuerdo del cliente. Si continuamos enviandole estados de cuenta, usted ya no los recibira mensualmente sino trimestralmente. Puede que sigamos reportando el estado de su cuenta a las agencias de informaci6n de cr6dito, a menos que to prohiba la ley. Tambi6n es posible que reportemos cuando sea saldada su cuenta. Hay ayuda disponible. Comprendemos que manejar sus finanzas puede ser dKic 1. He aqui tres datos importantes sobre su cuenta que podrfan facilitarle el pago de su saldo: 1) No habra mas intereses compuestos: Esto quiere decir que los cargos futuros por intereses ya no acumularan intereses, to que le permitira reducir el saldo de su deuda con mayor rapidez. 2) Se pagark primero los saldos con tasas de inter6s mSs altas: Sus pagos se aplicaran primero a los saldos con tasas de inter6s mas altos. Es decir, automaticamente ahorra dinero cada vez que usted efect6e un pago. 3) Efectuar pagos con regularidad allidarb su deuda: Dado que se pagaran primero los saldos con intereses mas altos y no se aplicaran intereses compuestos, podra pagar su saldo al efectuar pagos con regularidad. llamenos gratis al 1-800-258-9319 para hablar sobre sus opciones. Y recuerde que puede consultar su saldo y efectuar pagos por Internet en cualquier momento en www.capitalone.com/solutions. (Servicio disponible en ingles unicamente.) W iNecesita ayuda? Simplemente levante el telefono. Llame gratis al 1-800-258-9319 y un especialista con gusto le ayudara a verificar su saldo, efectuar un pago y responder cualquier pregunta que usted tenga. 0 2010 Capital Ora. Capital One es una rnarra do servirios reotrada u nivel federal TruloJ los deredws remvados. 200771 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. CRO 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 collect 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 will 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. G 2010 Capital One. Capital One if a federally regirened service mark. All r%lytr rnenYd SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor r Ilv e/ ',1? 1 11'.._ 1 3$2 JUL 23 AFB 8' 38 CUMBERLAND COUNTY PENNSYLVANIA Portfolio Recovery Associates, LLC Case Numbe vs. Akiko Bazan 2012-3910 SHERIFF'S RETURN OF SERVICE 07/17/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search and inquiry for the within named defendant to wit: Akiko Bazan, but was unable to locate him in his bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Akik Bazan. Request for service at 512 Third Street, Carlisle, Pennsylvania 17013 the Defendant was not found. Deputies were advised Akiko Bazan moved from this residence over two years ago. SHERIFF COST: $45.00 July 17, 2012 SO ANSWERS, Y RON R ANDERSON, SHERIFF Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Attorney ID # 94055/201259 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff '~` ~l'~~~ ~ C} ~ ~ONUTAI1 X012 auc ~ ~ a~ ro: ~ 9 ~'U~BERLAFlD ~QUNTY P~MNSYL~p,NlA 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. AKIKO BAZAN 512 3RD ST CARLISLE PA 17013-1807 Defendant No. 12-3910 CIVIL PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respectful) ubmitted, e A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, #201259 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff 11-51628 This letter is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Attorney ID # 94055/201259 Portfolio Recovery Associates, LLC 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. 12-3910 CIVIL v. AKIKO BAZAN 512 3RD ST CARLISLE PA 17013-1807 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Dismiss upon AKIKO ZAN, by Firs lass Mail, Postage Pre-Paid, a copy thereof on this day of , 20~Co: Date: 11-51628 AKIKO BAZAN 512 3RD ST, CARLISLE PA 17013-1807 Carrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, #20125 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff This letter is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.