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Home My WebLink About12-4086Robert 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 for Plaintiff FILED-OFFiCE rH: "OTHONOTARY "M Jut4 29 Am it: 014 CUMBERI d rn,,.... _ ANIA 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. WENDY HARPER DENISE L PITTMAN 1614 COLDSMITH RD SHIPPENSBURG PA 17257 Defendant NOTICE N 01m 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 ?3 7S (800) 692-7375 ?nf1? a?' ('(_4lg6S78 This communication is from a debt collector and is an attempt to collect a debt. V4 xn 3? 9 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. WENDY HARPER 1614 COLDSMITH RD SHIPPENSBURG PA 17257 DENISE L, PITTMAN 1614 COLDSMITH RD SHIPPENSBURG PA 17257 Defendants 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, 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 111!,; coirrrriraniuition is 1?orri a debt collector and is 1111 "Ittempt to collco, :z dcbt. %,rtv Hit'3rm tion obtained ?? ill lie used for that pttrpose; Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. V. WENDY HARPER 1614 COLDSMITH RD SHIPPENSBURG PA 17257 DENISE L PITTMAN 1614 COLDSMITH RD SHIPPENSBURG PA 17257 Defendants COMPLAINT Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. 2. Defendants, WENDY HARPER and DENISE L PITTMAN, are an adult individuals with last known address of 1614 COLDSMITH RD, SHIPPENSBURG PA 17257. It is averred that Defendants were indebted to GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT on June 10, 2010 with account number ************9575 (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, Defendants 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. 111i:, con11r13aiaicatimi is fron-i a dcht collector -11)d is all atlempt to Collect ?) ii male>rination oi)tained will be ?js:.d l'or taut purpose. At all relevant times material hereto, Defendants have used said Account for the purchase of products, goods and/or for obtaining services. 6. Defendants were 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 Defendants. 7. Defendants were 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 February 10, 2011. Plaintiff is the purchaser, assignee and/or successor in interest GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT 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 $2,037.92. 10. Despite reasonable and repeated demands for payment. Defendants have 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 Defendants, WENDY HARPER,andDENISE L PITTMAN, in the amount of $2,037.92, plus costs of this action and any other relief as the Cou de ms just and re ona e. Robert N. Polas Jr., Esquire # 201259 Carrie A. Brown, Esquire # 94055 11-93397 FI-J, conimun?.eatioii is from a debt Collector aild Is all attetxapt to Collect a (Ichl. Any inl« rination obtailted \vill be w4ed lor that purpose. 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 unworn falsification to authorities. Date : JUN 14 2012 B ary Dore -- stodian of Records 11-93397 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: ************9575 WENDY HARPER DENISE L PITTMAN Account Holders: WENDY HARPER 1614 COLDSMITH RD SHIPPENSBURG PA 17257 DENISE L PITTMAN 1614 COLDSMITH RD SHIPPENSBURG PA 17257 Consumer Account Product Code: PVT Issuer: GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT Assignee: Portfolio Recovery Associates, LLC Account Number: ************9575 Date Account Opened: June 10, 2010 Date of Last Payment: February 10, 2011 Date of Charge Off. September 25, 2011 Balance at Purchase: $2,037.92 Purchase Date: October 24, 2011 Balance at Charge-Off: $2,037.92 Less Payments: $.00 Balance Due: $2,037.92 11-93397 GESM67 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 GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT ("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 October 24, 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 WENDY HARPER and DENISE L PITTMAN ("Debtor and Co-Debtor") to the Account Seller the sum of $2,037.92 with the respect to account number (******** "9575), as of September 25, 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 $2,037.92 as due and owing as of the date of this affidavit. Po folio Recovery, Associates, LLC y ary L. Moore , Custodian of Records JUN 14 2012 bed and sworn to before me on of 12012 Public AJIS Jason Vita lz"?-- - ", ---- Commonwealth of Virginia ., Notary Public 397 Commission No 7509710 .„, My Commission Expires 113112015 i liis ? onmmnlcation is [Toni a debt col lector attd i ; ati aitempt tip Collect a debt. aA,v. ?tdOrmatioli 01%lned ,,vill be used for that l?sL1t- l?o.,e. 212 For value received and in fiathar oonsidaation of the nmutud covenants and v ?ndidm sot fncth in the Forward Flow R,e mvbks Pine Agrcemtat (do "Purchase Apverotnt")dated as of October 19, 2010 by and between GE Capital Corp. (ooliectiveiy "3 er, and Portfolio Raoovcy Associates, LLC C, Seller hereby tronsfers, sells, corwcM grants, and delivers to Buyer, its enamors and assigns, wfflwut recourse except as set forth in the Purchase Agreaaent, to the erteot of its ownership, the Receivables as set forth in the Notification Files (as defined in the Purchase Agraemmitj, delivered by Seller to Buyer on each Transfer Date;, and as further domilmd in the Purchase Agreement GE Capital Corp. By: Ghee Marino Trtia yP Data _ IP -" •`.N f CARECREDIT/GEMB GE Money Cardholder Name: WENDY R HARPER Secondary Name: DENISE L PITTMAN Account Number : e I575 Statement Closing Summary of Account Activity Payment Information Previous Balance $1,629.53 New Balance $1,583.41 + New Purchases $0.00 Total Minimum Payment Due $65.00 Payments $65.00 Payment Due Date 03117/2011 +1- Credits, Fees 8 Adjustments (net) $0.00 PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE. +/- Interest Charge (net) $18.88 We may convert your payment into an electronic debit. See New Balance $1,583.41 reverse side. Credit Limit $1,800.00 Available Credit $216.00 Late Payment Warning: If we do not receive your Total 28 Minimum Payment Due by the Payment Due Date listed above, Days in Billing Period you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of up to 29.990%. Pay online for free at: www.gemoney.com For GE Money customer service or to report your card lost or Minimum Payment Warning: Making only the Total Minimum stolen, call 1-866-893-7864. Payment Due will increase the amount of interest you pay and the time it takes to repay your balance. For example: Best times to call are Wednesday - Friday. If you make no You will pay off And you will end u additional charges the balance show paying an estimated using this card and on this statement total of ... each month you in about... Only the minimum 3 years $1,987.00 payment If you would like information about credit counseling services, call 1-877-302-8797. Promotional Purchase Summary Promotional Promotional Billed Than Date Description Initial Expiration Balartce Interest Charge Purchase Date Amount UNTIL PAID OFF $1,519.41 $17.66 0611012010 Fixed Payment With Interest $1,800.00 On Deferred Interest promotions, Interest Charges accrued from the date of purchase will be added to your Account unless (1) the promotional purchase amount(s) is paid in full by the Promotional Expiration Date and (2) each Minimum Monthly Payment is paid by the Payment Due Date. On a Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. To make more than one payment see Make Payment To address or pay online at www.gemoney.com Train Date I Post Date I Reference Number I Description Amount 02111 02/1012011 P9072001A010SGW3G PAYMENT - THANK YOU $65.00 CR FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 02/22/2011 02/2212011 INTEREST CHARGE ON PURCHASES $18.88 TOTAL INTEREST FOR THIS PERIOD $18.88 2011 Totals Yeardo•Date Total Fees Charged in 2011 $0.00 Total Interest Charged in 2011 $41.53 NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 IIFH 1 7 22 110 ?22 PAGE 1 of 3 5072 3000 C69'0 C1EJ5302 Pay onkne at genroney.corn or aruiose this coupon with you Check. Please use blue or black ink. CareCredit New address or e-mail? Check the box at left and print changes on back Told Minimum Paymem Due Paymem Due Date New Balance Account Number $65.00 03117/2011 $1,583.41 ?WlS75 Payment Enclosed : W ? ? ? ? ? . ? ? WENDY R HARPER DENISE L PITTMAN 5410 WHITE CHURCH RD Make Payment to: GE MONEY BANK SHIPPENSBURG PA 17257-9244 PO BOX 960061 ORLANDO, FL 32896-0061 Customer SwvkWQrestk m For account krfarmadog lase cal the toll flee number on the hont of this statement. Lkdess yaw name Is listed on this statement, your access to Wormation on the account may be finked %u may also mall questions pta not payments)to.P.Q. Bor901127, BFbso, 7X79998-1127.Pkasekwi deyouraaroutnunberonanyaonespondenreyousendtous Payments Send payments to the address fisted an the remittance coupon portion of this statement or pay online at www eemoneu.com. Okerrdgft flayme?rts:payments camrotbe made In person, ma9psymentsro: QEAkxrey Bank 140 WakAm S7rtrgs 1b&d Lo gwood'1 FL32779 uhdvrfederallew. obtain payment electronkaly for any check or other instrument that you send to to by Initialing an Atli (electronic) debit In the amamtofyoradwckorkm&umentroyowaau t.%wcheriraketrunertwindberetunedroyoubyusoryour bank lour bank account may be debited as early as the same day we receive yaw payment.l6u may choose not to have your payment collected dectroWcally by sendng your payment (Nth the remittanwe coupon,), In your own envelope - not the enclosed remktanceemelope, addressedto: POBox530960,Atlanta, G430353-0960androt thepaymentaddresa What To Do If You Think You RndA AlWake On loxr Statement: t you it** time Is an error on your statement, write to us at. GE Mazy Bank PQ Boor 981438, B Paste 7X79998-1438. In your ktterghe us the following k?onnedon:. Accent ktomhadbn: Nxs, nameandaccoutnumber. Dofaramouat: Thedoiaramou rofthesuspededemor. Desaiptiondprobleaffyouthirnttherelson erroron yourbit desabe whatyoubelieve k wrong and whyyou believe kka mistake. You must contact uswill* M daysafterthe error appeared on your statement. You must nobly us of any potential eras kiwrkW lien may call us, but K you do we are not copied to kwestllgate any potential errors and you may have to pay the saw" In question. [Mile we imertigate whether or not there hasbeen an eror, the fbkowig aretrue: . Wa carrot try to eofect the amours In question orueport youas delinquent an that amount.. Thecharge hquestbnmayremainonyarstaternentandwemaycwtAwreto dwugeyouktctestontfwtamount.But, 9 we determine that we made a mistake, you w! not have ropay the amount In question orany Interest or other tees related to that amount.. VAW your do not have to pay tre amour in question, you are tesparslete for the remakhderof yotr balance.. We can ap plyany unpaid-hutagakutyourcredtlnk. lbu?Rghtslf You Are Dlssadsi ed Wkh lburOedt you have vikMgamo mt due ai thepudwse. Touw thisdW, afof the kNowkgmustbeM e:l) Thepuchasemusthave been have stateorwkhin 100 rnfes Wynvcuarentmaitg aft ess, andthepudtasepudce must have been moue than $50. ofthessarenecessary q purdhate wasbasedon an advardsoment we mated to you. or 9we own the company the goods orsarlces) 2) Nw must have used yourtsedicard tbrthepurchase. Rachases made with cash advances Ifal tithe crkerta above are metand youare a0dissaftledwith the pnrdkvm contact ush writing at. PQ. Ow 9814X 8 Ras4 7X 79998.1438. Whb we kwesdpft thesame rules appy to the d4xitedsa mnrtasdammsedabowe.Afderwe ffnish o rkrves tlon, wewOtelyouo rde idm&thwpoint,twetMrkyouoweanamoutandyoudondpeywrmaynepatyouasde*Kpw t• Information About Payments loumaypsy more than the ThialMnImun Payment at any time Payments rec~sfter5:00 PM reniktance coupon attaohed to yarsiatement, (0 co taksmore Own one payment orrerrnkan ce cou;hM (e) knot recelvedkr the Conditions reniktanee ernefope provided -it) includes stapks, pater dIDA tape, a folded creak or cnneWatdence ot any type All written communications cone mirg d hated amoLoW, kxdudrg any awdt or other payment instrument that: Q) Al Indicates that OrepsymentoonsOtnfes jDaymentdn furorls tenderedashOsadafacdorhofa dliruedamout, arQ9k tenderedwith otfwroatdtionsor"atbwrDbpntedPaymerts'I metbemaledorddveredrousat PQ B=9E1435, BPasq 7X79998-1438. Credits to lfwr Account: An amount shown with a fRnak1 to do amount As a credit or am* balance unless otherwise indicated OedtswlbeappledroyowpmbtombedenwkmxKgately upon mwW, butwOnot sotWyaryreqnbd payrrrentdwtmaybedue. Telephone hbnftatng: Fmrgr dry cotuoi purposes, you permit us to fsten to orreeard telephone calls between you and us pelt R*WlsandAccmmtktformation: tyoube/eve that wemayt averepor edkwcctaatektormadonabart youtoa consuner- reporOngagencyphasecontact usatFla& k981439,BPasg7X79998-1439. dndoigs0.fleasektertkyOwkwoasatek/anwOon and ta8uswhyyoubeimklekcmed. tyouhama oopyoftheaedfmpwf OwtkmdudesOwkwccuateketama8mpkambrckude a copy of that repot. Nit may repot kdormaton about youracconnt to credit bureaus Late payments, missed payments, orot er defauksonyowaccmWmaybereBectedkt yourom*report. Variable (Cite Information. tarry ofyourAPPk are varleble, that AR2w9 vary with the marliei based on Ore Rkere late HowLorhg MN thePenalfyibfeAppy? tyowAPRsatektaeawdbecauseyoumadea latepsyment, thePenwkyAR4wlappfy urtl youmakesircon secWdven**n rnpaymentswhendire. HavV&Cakufatefnt~.,Wpuseanmetleodca0edlh*baknce°DW*WbMrWcydesAewtdch&gwe tlschagedtareaaebaknoe type on yon aocamt we ligrma the &a~ charge on yew account by apptykg time pw*xtc rate to to 'tW balanrce"ot your account (breach say In the big cycle A separate dally balance wN be calculated for the fofowing balance types, as appliable: purchases, balance trrnslan; cash advances and other balances that are subject to d9laaerd interest rates, pans or special prornotiomFirst,wedeterrnkaelbet ybelance".7bdatenrdnethedatlybaknoe,wefaleetebegirakgbaknceesehday,addany new charges and fees pasted that day, and subtract any payments and credits posted that day. This gives us the dally bekrece. Second we calculate tee amaart ofkderestcharged 7b do d* wemultM tleappAcable daly rate by each duly balance on your account .7lidweaddtheInterestsmotattoOndaybakrce,andtheaumwlbeconethebegknkgbalanceforthefolmftday. 1Wrkt~c aagefordwbAfngcydeledtesumotthektamAamoutsdmtwwedargedeaahdeyd drgthebEgcyde(breach balance type Wed,argeamhharnofa2dkkerestihanybtfigtyckkrwtLthymowelmerest. PayhV interest: Ith rduedais is atIseat 23days afterta dose deaehbMngcycle. We will ndcharge youatW i teretmpurhasea tyoupsyyourendrebalance by the due defeeach march. Wewlfbegthdwryi g/mereafon cash advarcesandbatauoe trantsfers, IF apptcabk, on the bansacttondafe. Barteauptcy Notim t you Me banbupuy you must send us notice, khdobg acmkrn number and ale ktormation rented to the prooee*g tothefalk wi gaddreeasxGEhkxeyflankAttm: tlertauptcyDept, PQ Boa 103106, Roswelt CA 3W7& louracmursisownedandservkedbyGEMoneyBank. Foroanpieteternsandcahdtonsofyowaccount, oahaltyour Credit CordAphremeut. Hearirglmpaied TDDuserscafl-877-448-8512 orfr.M- s- M2V IO UsedmtortnatonAtoW YouandlburAcwutt: QrrRNacyflokydescrhbesou colledlonanddacdosueafkgarmatonaboutyou and your Account. t you would Be another copy of the AAacy Policy, please cal us at the customer service telephone manber kx/catedonthe kvrtotthissiateme nt. V& Is an attempt to collect a debtandany ktonmodon obtained wi'be used for thatpuupose. ?atelephone number on my aooout, I consent to GEMon ey Bwtk and any other owner or servteer of my account iratrdng mWanyoadadk><anatonarodptatenwnbomipmvi andioahsenttotheuseof my auloinatic yp?tetelephone dakrgsystem and'oran arOAck/orneremrdedwke when contacting me, even t?am charged torthe cal m For flanges of address, phone number andlor ema9, please check the bar and print the lounges below or Hsu us aF9ne at www.oeunaavoom. Name _ ? Sueet Aabless tfnne a EmaR - - r.s,?nor,.e a,+e..ru.?.r ospw,rvmwpnrea e,ot,w.a ws®n?.a,crue,yau BYPRMEMXXR MA8-ADDR=IOUK;18£TOMXNEBIWLCQM#ICrBMABOUTIOIJfLAOMUNTAVDMMGIVE PORfSMOtiFORDSTOFFONDElt MBWMLAMFESS70TPEO64L8YA i/WT/PRD4?/ PIS9tAL?ANGVMRCAFX Cardholder Name: WENDY R HARPER Account Number: 6019 1830 8066 9575 Secondary Name: DENISE L PITTMAN Statement Closing Date: 02/2212011 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rate Rate (APR) Purchases NA 24.99% $63.36 $1.22 Fixed Payment With Interest UNTIL PAID OFF 14.90% $1,545.16 517.66 New Promotional Financing Plans I This notice is to let you know about promotional financing plans that may be available for you when you use your card for future purchases. Not all plans or plan periods will be available at every CareCred t provider. This is only a summary of key terms. Additional terms and conditions of promotional financing plans will be provided to you by your CareCredit provider at the time of your transaction. For purposes of this notification, your Purchase APRis 24.99% If the APR is variable, this rate varies with the market based on the Prime Rate. No Interest if Paid within Promotional Period (These can be advertised as Deferred interest promotions) There is no interest on the purchase if it is paid in full by the end of the promotional period. If the purchase is not paid in full by that date, interest will accrue and be imposed from the date of purchase at the Purchase APRseen above. This promotion may be offered for periods of 6,12,18 or 24 months. Billed Interest Promotions We will assess interest on your purchase at a special discounted rate of 14.90% APRduring the promotional period. After this period, interest will be assessed at the Purchase APRseen above. This promotion may be offered for periods of 24, 36, 48 or 60 months. If you receive a change in terms notice that changes your Purchase APR and this change becomes effective before the date of your purchase, the new Purchase APR will apply to the purchase balance added to your account. Please keep this for your recordsJf you have any questions, please call us at the Customer Service number shown on your statement. Cardholder News & Information In order to protect your account privacy, we are unable to provide account information to anyone other than the cardholder(s) or an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send written authorization to the General Inquiries address. 5302 DFH 1 7 22 10222 PAGE 2 of 3 9072 3000 C670 CIEJ5302 CARECREDIT/GEMB GE Money Cardholder Name: WENDY R HARPER Secondary Name: DENISE L PITTMAN Account Number : a e'.?575 Statement Closing Summary of Account Activity Payment Information Previous Balance $2,037.92 New Balance $0.00 + New Purchases $0.00 Total Minimum Payment Due $588.00 Payments $0.00 Payment Due Date 1011712011 +/- Credits, Fees i3 Adjustments (net) $2,037.92- PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE. +/- Interest Charge net $0.00 We may convert your payment into an electronic debit. See New Balance $0.00 reverse side. Credit Limit $1,800.00 Available Credit $0.00 Late Payment Warning: If we do not receive your Total 2 Minimum Payment Due by the Payment Due Date listed above, Days In Billing Period you may have to pay a late fee up to $35.00 and your APRs may be increased to the Penalty APR of up to 29.990%. Pay online for free at www.gemoney.eom For GE Money customer service or to report your card lost or stolen, call 1-866-893-7864. Best times to call are Wednesday - Friday. Promotional Purchase Summary Promotional Promotional Deterred Train Date Description Initial Expiration Baance Interest Charge Purchase Date Amount UNTIL PAID OFF $1,699.00 $0.00 06/10/2010 Fixed Payment Reduced Apr $1,800.00 A summary of your promotional purchase is provided above. Any promotion may be terminated if your account goes 60 days past due. If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment (Extended Payment Plan) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. To make more than one payment see Make Payment To address or pay online at www.gemoney.com i Tran Date I Post Date I Reference Number I Description Amount 09/25/2011 09125/2011 F9072008000999NO CHARGE OFF ACCOUNT-PRINCIPALS $1,501.75 CR 09/25/2011 09/252011 CHARGE OFF ACCOUNT *FINANCE $536.17 CR CHARGES' FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 09252011 091252011 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2011 Totals Year-to•Date Total Fees Charged in 2011 $245.00 Total Interest Charged in 2011 $251.04 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rate Rate (APR) Purchases NA 29.99% $0.00 $0.00 Fixed Payment Reduced Apr UNTIL PAID OFF 29.99% $0.00 $0.00 ' NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 530? DFH 1 5 22 110525 Z X PAGE 1 0£ 3 c072 3000 C6'C0 Ol ES5302 Pay online at gemoney.eom w ando a ttas coupon with your Bieck. Please use blue m black ink. ,_=,h ?r'11'e(il'edit Total MMimum ayment Due Past Due Amount Payment Due Date New Balance Account Number $688.00 $0.00 101172011 $0.00 r?575 Payment Enclosed : W ? ? ? ? ? e ? ? New address or a-mall? Payment due includes $ 0.00 past due. Please pay the poet due amount PROMPTLY. Check the box at left and print changes on back WENDY R HARPER DENISE L PITTMAN Make Payment to: GE MONEY BANK 1614 GOLDSMITH RD BOX SHIPPENSBURG PA 17257-9247 ORLANDO, , FL OR 32896-0061 FL Customer sa wodQ estions, For account nfmmet m please cal the toff free number on the from of this statement. Unless you name le Nsted on this stateurnerh[, yaw access to bJomtatim on the accort may be limed You may alto mall questions put not paynW tto:PaSM901127,Bf&so,TX7999B-1127.fleasekxkideyouraocaatnunberonanycone*mmenceyouswdtous P9yments Send payments to the address listed on the tentktance cagoon portion of Ods statement or pay onffne at www.aemoneu.corn. Ovem%ft Pbymwms;paymems camotbe made lnpasm, tmlpaytnems to: C,EMoney Berk 140 VObMw *rkigs PLad, Lorgwowd FL32779 Notice :%ebei wtbryourEMVRghtsedodwknpoftntkdbmiadmTalephanigaboutbOVermmwlnotpt yownghts utderfedera?law. 7bpreswwyotrtUMtpkmwrlterooLwS"ftxy/Kw iddmss PCBox981438,Bfbs4 7X79998-1438. Fbcases,RvsncandpaymentsmadLftw krtobingdatemaynotappearumYnewinomh'sstatamam.Nitreservethedghtto obtain payment ekmahicaly for any check or other Lrstrument diet you send to us by inflating an ACH pkCUomc) debit in the armour of your check orkat umem to your account. Wrr check or khaWnert went be returned to you by us or yourbank Wrr bank accost may be debited as early as the same dry we receive you payment . You may choose not to have your payment collected ek:dronfcalty by sencing your payment pvkh the remittance coupon) In your own envelope - not the encased remktaroeenvelape addressedto.PiOdtut530860,Atfanta, 6430353-09Wandndthepaymemaddreto. What To Do N You Trunk You Rnd A Mletake On Wur Statement: K you think time Is an enoran your sotemem, write to us at. GE Mbney Ba* P.O Book 981438, B Paso, 7X79998-1438. In you ktterglve us the following klormadw. , Accost kV mt dm Wu nameandaecantnUMber. Dolaramourt: Medoaramoutofthesuspedederror. Dssalpdondprobkrn:?fyouthhkthereisan etwonyourbiK descrbe whwtyoubefew iswmngandwhy you beffeveklea mi talm You must contact uswithn 60 daysafterthe error appeared on yowstatemevt. You must nobly us d any potamkl errors kiwntbg. Wu may call ug but l you dD we are not required to investigate any potential errors and you may haw to pay the anoint In queatkn. Mile we Ihvestlgete whether or not there hasbeenanenw,, de following are true: . Kb cannot try to cofec the amount Inqu>estion orteporl you as deihquem an that amount.. Thedetgehquesdonmayremahonyarstatemektandwemaycondnuefodwrgeyoukftegondwtamout.Ba,f we biLtermne that we made a mistake, you went have topay the anxxW In question orany interest or otherfess nekted to that amount. . MW you do not have to pay the amount In quesUm you are respotnsEte Ibr the remanderot yow balance . Wean apply any mnpaldamaart againstyowcredtink. WurlVghtsf?WuAreDlsseddWfthWwCedklardPwWw- mffyouaredksodmkdwfMtegoodsorsetvtcesdwtycuhave pwdwsedwih ymrnedtcan; andyouhaw nladngoodfakh aoconec(Ompmbiem wkhfiemendham,youmayhave thedghtrat topaytemmakhltganxvMduemdopurchose.7busethis rright alofthefo/owfagmustbemue:l)ThepuGhasemust havebeen made n yorhane stare orwiU* 100 mdse ofyowcrrremmainp adders, andthepurdissepimm ust have been more dan$50. More McNherdthesearenecessary lfyoupurchasewasbasedman advertisement wemaledtoyou, or9weownthecompany that sokd you the gads ors&-Aces) 2) lbu must fate used yo rctedt cod for the purchase Purchases made with cash advances ftmanA/Marwfha checkdotacoessesyouramgcotdaccoumdototquaey.3) WumugnotyettwwhdypakKordmpwdmse. Mall ot the crfteda above ate metand youare sted6eatkBedwith the purchase, contact usn wtkingat. P!a Om 961438 BAsq 7X 79998-1438.VAOwekwesdgete,thesamendesapplytothediptidamoumasds ussedabove.Afterwefinshornvesdgedog wewetelyouourdeclskr *dwtpont,MwethknryouoweanamaadandyoudcnotpaywL-imytWWyouasdeipuem• /Mormation About Payments Wu maypay more than the 7WalMnlmuym Rlymerht at any Lima fuaymemsreoehvedafter5A0 PM hepoyy aaddrere,pnotoedainUSd ydatstkawnenaaLLS"rx9alk iomeadnth&VAS htrlt cca p ? reveliedat remittance capon attached to your staterne nt, (cocontai s mote than ore payment brrentime ce eogM 0) lint recel edn the remittance enuehbpe provided or if) nodes staples, poperc*4 tape, a folded check or correspardetoe of any type CondWons FIR All written corremrdcatfans concerning dlpnted amokshts, including any check or other payment ka t went that: W nckatesthat thepayment constitutes 'paymemnWarts taxWedasUsodsladbno oft dlspuredamount,or pp Is tendered with othercanddamor"eticnsrffipuedFbyments I nastbe mafladordefwred tousat PQ BwW1435, Bf1sq 7X79998-1438. Cents to Ww Account: An amount shown with a CRnext to the amount is a aredf or credit balance unless otherwise i dIcared Celts webe appledto yowpmWow balance amadiately upon receipt, bit we notsaddy any required payment that tray be due. Telephone Momtorfng: Forqualty coned purpose% you permit us to listen to or record telephone calls between you and us Credit AeportsandAwoumttnlb matlorLNyoube/evedotwemayhamtepa bwccuateftortmatlonaboutyoutoaco nsrner- reporr6hgagenry,please contact usat PQ Box 981439, BP4aq 7X79998-1439. nddngampleesaelderm* dmkaocrrate fnfonnadon ft may report adormadc n about ycwaernum to credit bureaus Late paymerts ads" paymenh; or other Variable Rile information: Nany of yourAPfM are vanlable, that AR7we vary with the marker based an the Rine We HowL.ongWlltt*F aakylmteApptylMyourAFFbarekK7wsedbecauwyoumKkaktepaymem,thePeaftyAPRweappyrrO you make sbk maecLIkemkdmun payments when de. How We Cafadatenterest. V*useamefhodcafed'dalybalance'Muni gbelgcycl snwhichnterestisdatgectt threach balance type an your so=" we 8gua On Irdwest charge on yaw account by applykg the penfodc rate to the 'Why balance"ot your account !breach sky In the big cycle. A separate daffy balance we be calculated for the fbfowing bakrce typeA as applicable. ptachasm bakrtce banalb , cash advances and other balances that are stutod to tll7rerent interest rolm plans or special promotionsMat, wedeterminethetWbaknce'.7bdetermine thedaffybalance,wetake thehegi nigbaknce am*day,adhany new charges and fees posted that day, and subtract any payments and credits pasted that day. 7his gives us the defy beiance. Seconq we calculate the amour ofkterestchanged. 7b dotMs we m~ the applicable defy rate by each da8ybalance on your account. Third, weaddtheinterest amount to thedalybalance, andthesurnaebeeomethebegMrhngbalance fortheWowing doy. balance type. Nkcharge amnk nmof$2ofiterest nanybilingeyclenwhlchyouowe, kd~. PayingfWarest: Wwduedate Isatiasst23daysartertheclose ofeachbMVcyde.Wew/notcharge youanylnterest onp rc ases fyoupsyyourendebalance bytheduedateeach month.WewlfbegnchargkV*d on cash advancesandbakncehansfema appkabk, on the tmmsactlondete Bankruptcy Notice: f you flit bardauptcy you must send us notice, kwkx g account nunber and all ktbnnation related to the proceeding to the foffowng ad*ess:GEMoney BaM; Afar BarYvw"Dept., PC Box 103106, RM W el, G430076 . WwaanuntIsowtedandservkedbyOEMbneyBank. ForcotnpktetermsandoatdWmofyowaccourt.com%&yowC+edt CbrdApeernent. Hearing Impaired; Muserscall-877-448-8512 orsa3o2- a- aW2a+o 1,tseofnkmmtlonAboutYouandYowAccout:OurPNacy dearnbesowoolecdmanddodosueofhformadonaboutyou and yo rAooout. W you would Be another copy of the Rivacy Fbky, please all us at the customer service telephone number ndcatedm the f ore ofdYsstatemem. This Is an attempt to calact a debt and any nromadon obtabed webe used forthat purpose. 9roddrng a M -W number m my aocoutt, f consent to GEMwW Bank and any other owner or servlcer of my account _ fvdtxaguakganycontadk*nadonorodphownuwdenslpuAde,andfoonsemrotheuseof my automatic telephone tfatng system and'oran and icfa?orterecorded wake when co facing am even V am charged forthe all For changes of PP??nnadrfe. plane number and'or ema4 please check the tax and prat the changes below or vLsk us ofie at www.gemmeyemn. Name _ ? street Adoaess CRY ,g, ZIP Rhone f Emaf _ /bnu/rp?Y as?YSRO?Y Oapr,ui.o/aH?pYd?Y arWAdY.s weoYVe,Ymmyd, BYPR71ff MIOURBMWLADDFV=MUAGW7OP8'234E63M&COASOPM 9MABDUI'MRA COWrAWALSOGP,E FERWMSl0NMRUS7DFFKAOFfEXMBWrL.ADL7FEW7DTHEDBY.BYf fANi/PFdDNOBi'faFWf82AS?RfIG}OURC4tiL Cardholder Name: WENDY R HARPER Account Number: 6019 1830 8066 9575 Secondary Name: DENISE L PITTMAN Statement Closing Date: 09!2512011 Cardholder News & Information In order to protect your account privacy, we are unable to provide account information to anyone other than the cardholder(s) or an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send written authorization to the General Inquiries address. 5302 DFH 1 5 22 -10')25 Z X PAGE 2 of 3 5072 3000 C67.0 C1EJ5302 Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Attorney ID # 94055/201259 Portfolio Recovery Associates, LLC - ; 120 Corporate Blvd _ Norfolk, V,A 23502 f z, Attorneys 'for Plaintiff '~~'''` # ~~ [N THE; COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff No. 12-4086 CIVIL v. WENDY H 4RPER 1614 COL,DSMITH RD SHIPPENSBURG PA 17257 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Dismiss upon WENDY HARPER, by first Cl}~ss Mail, ; Postage Pre-Paid, a copy thereof on this ~ ? day of ',~` _, 2~'==';~ to: WENDY HARPER 1614 GOLDSMITH RD, SHIPPENSBURG PA 17257 Date: 11-93397 ,~--, l / ,/~ 1 7 ~~~ Carne 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 t~~r 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. Carrie A. Brown, Esquire Robert N. I'olas Jr, Esquire Attorney ID # 94055/201259 ? ~~ ~ ';~ ~ , Portfolio Recovery Associates, LLC 120 Corporate Blvd ~ v.` 7 .,,,~ . Norfolk, VA 23502 F;:,', . , : n , ~,u. «' . Attorneys for Plaintiff `~ ~-` [N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LA.W PORTFOLIO RECOVERY ASSOCLAT'ES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff 1Vo. 12-4086 CIVIL v. DENISE L PITTMAN 1614 GOLDSMITH RD SHIPPENSBURG PA 1.7257 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Dismiss upon DENISE L PITTMAN, First. Class Mail, Postage Pre-Paid, a copy thereof on this ~~) day ofc_-~~~ __, ~0 ~to: ~--~ DENISE L PITTMAN (614 GOLDSMITH RD, SHIPPENSBURG PA 17257 Date: 11-93>97 ,~__ Carrie A. Brown, Esquire, # 94055 Robert N. Polar, Jr., Esquire, #201259 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 51 ~8-0860 Attorneys for Plaintiff This letter is fromi 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 ~ w 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. 12-4086 CNIL v. WENDY HARPER DENISE L. PITTMA`J 1614 GOLDSMITH RD SHIPPENSBURG PA 17257 Defendant PRAE('IPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Res jctfully Submitted, arrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, #201259 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) I-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff 11-93397 This letter is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.