The URL can be used to link to this page

Home My WebLink About12-4090Robert 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 FILED-OFFICE THE PROTHONFA 71#2 JUN 29 PM !: 09 FAX: 757-518-0860 Attorneys for Plaintiff ?U rr COUNT #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. THOMAS ENGLEBRIGHT 22 S ENOLA DR ENOLA PA 17025 Defendant NOTICE No. ?alz 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 MAYBE 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 S 32 South Bedford Street / Carlisle, PA 17013 3. -7 SpC (717) 249-3166 ? ???, ??. Pennsylvania Lawyer Referral Service C (800) 692-7375 L 717 3 R This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. V. THOMAS ENGLEBRIGHT 22 S ENOLA DR ENOLA PA 17025 Defendant NOTICIA LISTED 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 Ts3i5 c >?r at on is from debt collector and is all attempt to Collect a debt, \.11v 111tortilation obtained will lie wl d t')r that laU1-pc3se. 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. THOMAS ENGLEBRIGHT 22 S ENOLA DR ENOLA PA 17025 Defendant COMPLAINT Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. Defendant THOMAS ENGLEBRIGHT, is an adult individual with last known address of 22 S ENOLA DR, ENOLA PA 17025. It is averred that Defendant was indebted to GENERAL ELECTRIC CAPITAL CORP / PEACH DIRECT on January 22, 2007 with account number ************9295 (hereafter referred to as "Account"). A copy of the account history is attached here to and collectively marked as Exhibit 11A." 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. hl?i c ommunicatinrz is from a debt collector and is Mi attelli at to Collect a ?Kht ,riv Hilo nation ol)tafr7ed will he Li?:ed for that l L1rp0se. 5. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. 6. Defendant was provided with copies of the Statements of Account showing all debits and credits for transactions on the aforementioned Account to which there was no bonafide objection by Defendant. 7. Defendant was in default with respect to that debt for failure to make the required payments on the Account. The last payment made on this Account was on November 18, 2010. 8. Plaintiff is the purchaser, assignee and/or successor in interest GENERAL ELECTRIC CAPITAL CORP / PEACH DIRECT 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 $2,148.00. 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, THOMAS ENGLEBRIGHT, in the amount of $2,148.00, plus costs of this action and any other relief as the Court deems ju Robert N. Polas Jr., Esquire # 201259 Carrie A. Brown, Esquire # 94055 11-90132 i'lais cominupiicatloii is frona =a dcbt collcctor .and is all zattcInpt to Collect a plc.-,t. ,ny iial'onnation obtained will be Lised f')r that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Mary L. tvtoore 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. JUN 14 2012 Date : By: Mary Moore Custodian of Records 11-90132 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: ************9295 THOMAS ENGLEBRIGHT Account Holder: THOMAS ENGLFBRIGHT 22 S ENOLA DR ENOLA PA 17025 Consumer Account Issuer: Assignee: Account Number: Date Account Opened: Date of Last Payment: Date of Charge Off. Balance at Purchase Purchase Date: Product Code: PVT GENERAL ELECTRIC CAPITAL CORP / PEACH DIRECT Portfolio Recovery Associates, LLC ************9295 January 22, 2007 November 18-2010 June 28, 2011 $2,148.00 July 27, 2011 Balance at Charge-Off: $2,148.00 Less Payments: $.00 Balance Due: $2,148.00 11-90132 GESL79 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, Mari Moore , Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: 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 / PEACH DIRECT ("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 July 27, 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 THOMAS ENGLEBRIGHT ("Debtor") to the Account Seller the sum of $2,148.00 with the respect to account number (************9295), as of June 28, 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 $2,148.00 as due and owing as of the date of this affidavit. Portfolio Recovery Associates, LLC Mall L. Moore, Custodian of Records and sworn to before me on JUNf 14 2012 2012 Public -90132 Jason Vita Commonwealtthu of Virginia Notary Commission No. 7509710 My Commission Expires 1!?1I2015 1 11is ;onmnunication is from a debt collector and is an attempt to collect a debt, >nY :tion obt?iined will be u.sc.d 16r that fell-POSe. 8664201312 47:29 07-28-2011 2/2 EXHIBIT A BILL OF SALE For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Purchase Agreement"), dated as of October 19, 2010 by and between GE Capital Corp. (collectively "Seller") and Portfolio Recovery Associates, LLC (`Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Purchase Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Purchase Agreement), delivered by Seller to Buyer on each Transfer Date, and as further described in the Purchase Agreement. GE Capital Corp. By: L )Z _ Glenn Marino Title: VP Date: '7. 2 7 - // Cut-off Date Face Value # of Accounts Purchase Purchase Price Price Factor L? hest 79 PEACH DIRECT/GEMB GE Money Cardholder Name: THOMAS J ENG?L9EBRIGHT Account Number : ?11T 295 Statement Closing Summary of Account Activity Payment Information Previous Balance $1,695.39 New Balance $1,678.87 + New Purchases $0.00 Total Minimum Payment Due $52.00 - Payments $51.D0 Payment Due Date 12/24!2010 +/- Credits, Fees 8 Adjustments (net) $0.00 PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE. +/- Interest Charge (net) $34.48 We may convert your payment into an electronic debit. See New Balance $1,678.87 reverse side. Credit Limit $2,500.00 Available Credit $0.00 Late Payment Warning: If we do not receive your Total Days In Billing Period 31 Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $35.00 and your APRs Pay online for free at: WWW.gemoney.com may be increased to the Penalty APR of up to 26.990%. For GE Money customer service or to report your card lost or Minimum Payment Warning: Making only the Total Minimum stolen, call 1-866-396-8254. 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, It you make no You will pay off And you will end u additional charges the balance slow paying an estimated using this card and on this statement total of... each month you in about... Only the minimum 13 years $1,098.00 payment $66.00 3 years $2,371.00 (Savings = $1,727.00) If you would like information about credit counseling services, call 1-877-302-8797. Tran Date I Post Date I Reference Number I Description I Amount 11/1812010 11/18/2010 8534812NJOOXSSS4G PAYMENT-THANK YOU $51.00 CR FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 11/2912010 11129/2010 INTEREST CHARGE ON PURCHASES $34.48 TOTAL INTEREST FOR THIS PERIOD $34.48 2010 Totals Year-to-Date Total Fees Charged in 2010 $25.00 Total Interest Charged in 2010 $214.39 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rate Rate (APR) Purchases NA 23.99% $1,692.39 $34.48 Cardholder News & Information Note that if you have a Deferred Interest promo this statement includes changes to the Minimum Payment Warning Information. Please disregard any Minimum Payment Warning information on prior statements. NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 CXH 1 7 27 101129 C PAGE 1 of 1 9071 1200 PDJ5 CIEJ5302 Pay ankle at gemoney.com or enclose th s coupon with yo,a chedc Please use blue or black ink. - Total Minimum Payment Due Payment Due Date New Balance Account Number $52.00 12124=10 $1,678.87 295 Payment Enclosed : W ? ? ? ? ? a ? ? New address or egmall7 Check the box at left and print changes on back THOMAS J ENGLEBRIGHT 22 S ENOLA DR ENOLA PA 17025-2704 Make Payment to: GE MONEY BANK PO BOX 960061 ORLANDO, FL 328WD061 Customer SrvicefQuestkarms: For account kdarrnadm Pk+se cal doe td bee number on the front of this statement. Ulless your name la listed an this statement, yaw access to information on the account may be Anited You may also mall questions IM nor payner"to: P.Q. Box 981127, 6Raw, 7X79998-1127. Rease6tdudeyotaaccountnunberonanyoarespondenceyousendtous. Payments Sand payments to the adders Nated on the remittance coupon portion of this statement or pay online ar, www.aernoneu.com. OvemlgtdFbymentspeymentscannotbemadeitpersm,nwipaynmitsto:GEMoney&nk140lOP h Sp.Mr Rmd"ton9rwor4 FL32779 Notice: Seebdowforyaw8ft FIghtsandodwknpwtantidonnagm 7ekphcnbv abautbingerrmswenotpms ww yowdgms underhederallow 7bpmserwyardY pbmw *etoourBMwkMuilesAddeMPOBmt981438,BFas4 TX7M&1438. o RadasKmbansandpaymamsm@aa wprlortobirgdotemaynotappearandnedmonffissmtemend.Wreservetherightt obtain payment akc&mdcaly far any check or other Instrument dot you surd to us by fmtlattg an ACH Wectrorlc) debit In the anKaW ofyoweacu arkn& mem ro yak accowd. %burchock or Instrument wend be returned to you by us oryarbank X w bank account may be deblied as early as the same day we receive your payment. You may choose not to have your payment collected eiectronicay by sencing your payment pvlth the remittance coupon). M your own envelope - not the enclosed remittance envdope,addressedto:POSax5309WA anta,G4303534Mardnathepaymentaddress. What ro Do If You Think You RndA Mstahe On Wur Statement: W you think there is an error on yaw statement, wrke to us at: GE Money Bartle PC Box 981438, B Pasq 7X79998-1438. In yaw krtergive us the halowkV idamadon:. Account iddtnodam W r name andaeeouttnumber.Doloramout:Medolsramount ofthearpeetedemr.Description dpmb/m Ifyouthink them Isan erroranyowbe, dasc twwhotyoubelieve As wrong and why you bafeveilsa mate, You must contact uswkhir60 daysaRerthe error appeared on your statement. You must notly us of any potential errs n.wtkblE Wu may cal us, but if you do we are not required to Investigate any potential arms and you may hake to pay the amount in question, Mile we investigate whether or not there hasbeen an error, tae folowing aretrue: . Nye carrot try to caged thearnount nquesthon orreport you as deingkem an that amount.. Thedorge n gtesdDn mayrmmin anyarstotmmrdandnemaycdditue to cha?geyoubs&,eston fttamoum. BA, N we determine dot we made a male, you we not have to pay the amount In question orany kftW or dherfees related to that amount.. Wile you do not have to pay the amount in question, you are responable for the remainakrofyo r balance- . We ran appiyanyurpaldamou ntagabnstyowaedt". WwflightsIfYou*aDlssatisfledWith WwQedltCerdPtrchosesifyouaredksatislkdv tthegoodsorservioesthatyouhave pwdosedwNhyarcredtcarAandyouhawtkdngoodfaihtoedmecttheprabiernwhhttem rdvam,youmayhavetregghtnot f emvrhe,om k*Marmrestkimmfhrhnft1WM romotMar1aht.aloftheMmnomustbetnte:l?TTeaachasemust have been 100 that soklyou the goods orservicesJ 2) Wu must hate seed yaraedtcard fur the purchase. Purchases made with cash advances from anAUMorwltha tieck datecoessesyaraedtcardaccwddondquaey.3) Wumtetndyettww hrlypaldfort eprrctam Ifaloftc?Nerkabove are metandyouareaWdissoNO dwkhtpurchase,eomadusnwmkngat:PaBok981438,BP9sg7X 7999& 1438. TMtk wenvestgat%the seam atlas apply totdputdamou tasdscuuedabow Afterwe knish owkwesdgatoq we wefrlyouotrdeCk/anAttatpant, Nwed**youoweanamotatandyoudonotpay wemaymportycuasde&KpseM. idortmatlonAbout Rayme m You may pay more than the TbtsiMnmum Payment at anytime. fOymmtsreeaAedafterSAO FM fMonanydaywlhecm&edasofftnertdoyy.Qedt toyotracmtwtmayybeddayeduptof"daysNpsyrem(a)Isnotmookedat tpsymw tad3essi)(snotnadehU.SdD&mckawnonatRSM1andahkalkatwabcaiedntheU-S,(c isnotacoompantedbythe remittance capon attached to yorstotement, ($contains awe tan onepayment arremf7ance eorQd4 (e) Isnot reedvedn the rh mlitance envelope provided or loindhdes staple; poperciDs tape, a folded cloak or rnneapdndence olany type Conditions India2tes dot t mentoaafnRes'paymenn Woris terdersdashe cdonofaadlpuredamo orMistendereddwit atrconcftbmmor"atida('DkputedFbymentsI mustbe ma9edordelhatedtousat PQ Bon98143$ BF9sq 7X79998.1438. Celts to Ww Account. An amount shown with a tR rxW to the amount Is a cmedt or astir balance unless otherwise ndrated. CK%Ssweheappledtoyorpt WmmbalanceknnadktelyuponiwW,bWwendseddyaryosqu edpaymerttatmaybedm. 7elephone Monitoring: For query centroipnrposes you pence us to listen to ormcord telephone rats between you and us Credit IbpolsandAcoounthdormatlon: Myoubeleve t etwe mayh overepdtediacc rate n?mmadonabart youtoa consu w- repordWagencypiumcardMusatF+.QBox961439,BPasg7X7999&1439.ndakgsgpkawkbntFytku crasaidormedon andteiruswfyyoubeNeveNisnconed. kyouheves copyeftoedrreport thatincl destinoccuratedniamadon,pleasekwitde a copy of that report. Kt nayrmport kdommWm aboeryowaecoum to astir bwmaus iatepsynwWA mRsred payments mother defauksonyowaemwtmaybemracft lnyourcredtrpmt. lrarfable)bte information: Wary ofyarAFft are vmrlabk that AFRwe vary with the marlet based on the Rime We. How Log MNtheftnahyWeApply? lfyowARiare inaeasedbecau seymrmodes latepaymem, ZFb akyAPRwtappy umtl youmales&coseciodma *mAmpaynamswhendue. Novo WeCRIc latehntenest: Nit urea met odealed °t WbalencelDarnilbNVcydesnwMchintemstiscta?gedroreachbalance type an your accent we 9gwe the Merest charge on your account by applying the perdode rate 16 the 'Maly beance"af your account far each day In the berg cycle. Aseporste day balance we be calculated fm the folowig balance types, as appNcabk: Arch uses balance Dvtx*M cash advances and other balances tat are aut*ct to dtikrent kderest rates, trans or special promotions list, we determine ft tWbalance" . 7bdetermine tddym/ano%we tshethebeginning balance each day, addany new charges and fees passed that day, and subtract any payments and credits posted that day. Timis gives us the day balance. Secmx( we cafadate do amount ofnserest charged Th Ito Ids, we nu*W the appNcable day rate by each day balance on your account. Thlrt(. weeddt boaumtamoumtot daybahmos, andtshmwdlbeeone He beginning balancefrt fallowing divy Wwnterestc oWfartbtantgcydeisd*atmdtkftvaOammntsdwtwetec argedeachebyduigtabehgcydeforeach balance type, Wechargeaminiaunof$2ofN nanybi ngcyclen~youoweiterest. Paying Interest: Wwduedateisatimst23daysaRertdose deschbitgcycle. NAewend charge you any Interest onpurchasas WyoupayyourentYebalance ble tdedate each month.Wewill begin charging irestoncash edvanceeandbelancetmrRsfemor applicabigon thebaraacdondete. Bankruptcy Notice W you ee batnkrMscy you [oust send us notice, kxkx& g account number and all Information related to the proceeding tot fONOwngeddewGEN/oneyBank Altn: BarlvuphyDWI, PQ Box 103106, ibaveA 1;430076. WwaccmaRisownedandsovfoedbyGEMotWBanc FarconpteMtmnsandemadWmofyouuaccmrt,consuf(your0e& CaodAgreemert. Hearing Impaire' TDDuserseal 1-877-448-8512 OIELOM2-a-Ob2L10 LtseafnfomatfonAboutWuandWwAccart:CrPAVm7Fb kydesmbesdreo/ecdomandt redkdo?matonaboutyou and yotrAccout. W you world Ake another copy oft Rivacy Pinky, please cal us at the customer service telephone number dndcatedondheio soft isstatement. This Is an attempt to caged adbtandanyNnfat atonobtaiedwebeusedfmthotpurpose By providIV a takphone number on account, I consent W GEA1day Bank and any other owner or servioer of my account car.-.j., eobouRmyadco nt,rncrmaagusnganyca toctkObn?atonarce/phdanumbostpr&A*andicamserttotused aryauromadc ardermyl?tnaaMiepthone da"syupn and'manarMcfelortereco dedvoke when contacting me, even Wl am c aMedforthe cal For changes of aPP1l?a?ndiess phone number anaVm male please check the box and pit the changes below or vk k us on-8rte at Wwwoemanevoom. Name ? Ada" &met ?Idd mss f?horhe A &two _ rw.nor sun.rren.r wn?.>m..p,?.s e,nr,m.. BYPRO41DM lt7URBN4WLAMFE= )OUAGRW TD REMEBN1W.C011MMOOMMABDUl1O RAL10.7l1NTA NDAY.4D GW FEFRVSSKWFORUSTOFRDULEfOtd7BN4VLADDfSS7QTHEllB9LBiA6 fANT/f?i0NOt3ii?DINB7AQr8WNGNXRCNM. PEACH DIRECT/GEMB GE Money Cardholder Name: THOMAS J ENGLEBRIGHT Account Number: X295 Statement Closing Date: 0628/2011 Summary of Account Activity Payment Information Previous Balance $2,113.00 New Balance 50.00 + New Purchases $0.00 Total Minimum Payment Due $688.00 - Payments $0.00 Payment Due Date 061291`2011 +!- Credits, Fees 8 Adjustments (net) $2.113.00- 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 $2,500.00 Available Credit $0,00 Late Payment Warning: tf we do not receive your Total 29 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 Pay online for free at: www.gemoney.com may be increased to the Penalty APR of up to 26.990%. For GE Money customer service or to repod your card lost or stolen, call 1-866-396-8254. Best times to call are Wednesday - Friday. T. Date I Post Date I Reference Number ( Description Amount 0628/2011 081282011 F907100SK00999990 CHARGE OFF ACCOUNT-PRINCIPALS $1,502.42 CR 0612812011 D612812011 F907100SK00999990 CHARGE OFF ACCOUNT *FINANCE $645.58 CR CHARGES' FEES 06242011 061242011 LATE FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED D628/20' 1 06/282011 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2011 Totals Year-to-Date Total Fees Charged in 2011 $210.00 Total Interest Charged in 2011 $189.58 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rate Rate (APR) Purchases NA 23.99% $0.00 $0.00 NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 Cxh 1 5 21 110628 Z D PAGE 1 of 1 5071 1200 PDJ5 C1EJ5302 Pay Drina at gemoney.eom w ennloee Has coupon with ywr made. Please use due m black, ink. Total Minimum I Payment Due Past Due Amount Payment Due Date New Balance Account Number $688.00 $0.00 06/290111 $0.00 ??295 Payment Enclosed : W ? ? ? ? 11. ? ? New address or e-mail? Payment due includes $ 0.00 past due. Please pay the pest due amount PROMPTLY. Check the box at left and print changes on back THOMAS J ENGLEBRIGHT 22 S ENOLA DR ENOLA PA 170252704 Make Payment to: GE MONEY BANK PO BOX 960061 ORLANDO, FL 32896-0061 Onion SwWcelQ estkwm For accourr kft,, don, please ca! the ter flee number on the borrt of this statement. LMYessyour; name Is Akted on this statement, your access to k0arnadon on the account may be Mntked You may also mal questions put not'. paymetts)to:P.Q dnr981127, Wasp, TX79998-1127. ReaseMcluckyouaccoutnunberonarycomsspondenceyousendtous Payments Sad payments to the address meted on die remittance coupon portbn of this statement or pay ordne at' v_mw.aemoney.com. Ovemlghr faymerxspsymentscamotbe made lnpa son, malpaymets to GEAIN*y Banik,140 VobMe gwkgs Pbad, Lo gwood( FL32779 Notice:5laebebwforyotuAigRghmandot knpa-Wnt6tamutmTakpharigaboWbigarmvA?ratpreservey-rW-1 uderfdeallaw. 7bpmswwyowdytsp"wwrketoomBEyin L*iwAdatew,PQ&ut981438,Bfasc,D(79998-1438. Pleaheses,mawmardpaymntst adeftmpdwtobirgdatenmynotappa widnewumth"ssmternert.Kbreseneftrightto obtain payment elecdortkzy for any check or other inhAm rent dot you send to us by Initiating an ACH Olearonlc) debit In the amount dyourcheck orkstrranert to your account. Y ur check or Instrument wend be reamed to you by us or your bw* Ywr bar* account may be deblfed as eady as the same day we receive yaw payment. You may choose not to have your payment collected electronically by senoing your payment Oft the remittance coupor$, In your own envelope - not the enclosed remittance emdope,ad&essedto:POBox5309W At/anta, GA30353-09Wandrwtthepsymentaddresa Whet To Do If lbu Think You RntlA ANstake Qn Your S'atemert: N 'you, thhk tare is an enaron you statement, write to usat. GE Money Bank PQ Boot 981438, B Pasq 7X7999&1438. In yotrkae• give us the folowi g khfdmatim:. Accost kft=dbn. Yxr nameandaccourtnUmber.Dolaramam.,?hedDMoramowtdthesuapectedenor.Dtaa*WondprohlanMyoudr. *Vweisan erroronyourbit deavbewfatyoubeieoei wrong ardwhyyoubelieveMiss mistake, Irbumtrgcortaduswithb6thdaysafterthe error appeared on your statement. You must nobly us dany potential errors 19-wilbg. 1bu may cal u; but l you do we are not required to investigate ary potential etnasard you may have to pay dre anaut h questim Wh* we Investigate whether or not them hasbeenan error; doe foitowhg are true: . We cannot try to collect the annornt tnquestlon ormport yon as deLtquet on that amour.. TlheChOWinquesdortmayrem inonyotrstalernertandwemaycmdnuetodmMeyouktdsestdndotemourt.der,l we determine dot we trade a mistake, you wf not have topsy the arnout In queedon orany Interval or other few related to that amount. . WNe you do not have to pay fire amour An question you are regoorsbk for the renoitrder d your balance.. We can applyanyupaidamotatagai sty-crecitilmir Vb rlIghts If )W *a Dissatisfied With Ywr O edit CardPtvdoses Nyouare dlssad9kdwith the goods orsaMces that you have puadosedwith yoerarerl tcan%andyauhavebe!dhgoodfalth ADcormatheproblern with domerchant, youmayhove it*nghtrot to pay therernak tgamountduneonthepnachase.TousetisdgW,oftithefdbwigmustbetrue:l)3heprachasemusthavebeen made In yo rhmre state orwkhh 100 mkso(yo rcrrrentmati gad dress and thepurchase price must have been mom than $50• ". NeWw ofd,ese are necessary Iryodrptechase wasbased on an advertisement we mated to you, art we own der company that soldyou the goads orservtces) 2) You must hate used yovcredt cardfardrepurc ase. Raclmses made wth dash advences from anA7Morwtha duckdotaccessesyeura edtcardaocwnfdottdgtoNy.3)1bumestnotyettowh/ypoldibrd*pwchosa Ifaldthecriteria above atemetandyouarestf/aPsa WedwNhtheptacl»se,contact ushwritingat:RQBon981434BAsQ7X 7999&1438. K10wekaestiple the snow rrdacsappyWhealWueedaaKwdasditsmwdabomAWrwe11Ftshourbavestgatim we wOtelyouotrdedslonAtthatpdnt,fmfhktryouoweanamoutandyoudorat pay wemaympartyouasdekrptent• IrratmatlonAbout Payments: You maypay more than the 7btal hlinimum Payment at any time. Atymentstece0vedafter5W F3N hepapaymerenthss,p)?knotnt& InUS ydobtscivwnensUSfeandaikmdUdonaedbft yLLS,?tysaccccm*wniedbythe rerttunrce coupon attached ro ydwrstatemet, (to cortahsmore don one paymet orremktance tarpon, rte) knot reodvedh the remittance envelgoe provided or if) Includes staples, paper cyhs, tape, a klttled check or correq)ondence dany type ClOncittlone Aty@lD(fi Al written communications concerning disputed amours, including any check or other payment instrkmret that: 0) kslcatesdotthepaymentcanstltrdes psymetIn Worts tendaredasltfsaddedfonda dlsputedamout, orylssenderWwith odhercorhdIllorsdrlmdatbns( DJsptrtedP'aymem4 mustbemeledordelveredtousat PQ Buhk981438, BFbsq 7X7999&1438. Omits to Ywr Account: An arnotat shown with a CRnhea to the amount is a daadt or chalk balance unless otherwise indicated Qedaswlbeappledtoyowpnevkxxbaiancekn mfttalyuponmcoW,batwNntot=tWyarymquredpaymentnotmaybedum. Talep/h hr* kbNtodng: Forquaity contruipdrpose; you permit us to Wen to orrecord telephone ealsbetweet you and us. Credit l portsandAccountinfirmatlon:ffyoubelevetatwemayhawnWmWkwccLrateMormabbnabotdycutoacorstew- repordrgagencypleawca,ractusafFIQ& r981439,BPas%TX799a&1439.Indoegsgplmwkkntlythekacmmiekdamatbn andtoluswhyyowbeleveltiskdtdtrrect. Myouhaves ogpyoftheawRmport datkwktdaediekwmrratehbnmdoMpiwsehcktde a copy dthat report. Wa may report htarnatlon about yohuraccourw to credit bureaus Larepayment; missed paymens or other deferurtsan yorraeeout maybe reFactedhyowrcm&report. Variable Plate Nbrmaton: parry olycah APR are variable, that AFRwf vary with fire marloe based on die Rine Pate How WV MR the Re ahylbte,%*?Ifyo rAP#barekuaeasedbecauseyoumad ealatepayrnert,thePenakyAR7wRapplyurdl youmakea&c»rsecto en **nwnpaymentswhendue type on yow so=" we lgue the interest Jorge an yotr aeoaat by apptyhp the periodic rate m der th* balanced your accost for each day In the big cyder. A separate day balance wf be calculated for the kolorvlrg balance types, asapplcabie. purchases, balance trarhshers, dash advuaes and otter balances dot are sub/ed to dikret hhvest rases, plans or special promotion&First, wedetermine the` k*baharae77bdaseminethedaybetance,wetalethebeginigbelanceam*day,adddany new charges and fees posted dot day, and subbad any payments and omits posted that day. TWs gives us the diary betance. 3sconct we calculate tae amount dkterest changed 7b edo it* we n uitpy the applicable dally rase by each dry balance on your ac owd.TWweaddddokrteeetamaartsotheddoybehrmandihesumwfbecomethebegrttngbetancefarthefolavvhgdry. Ywrkg~doryeford*bfigcydeisftmnofthekfty tamaratstatwwedrorgedeachdaydahgdwbigcydeforeach balance type. Wecharge a mirtimum af$2diMerestIn anybiting cycle In whkhyouoweinterest. Paying Interest: Yw?duedate lsatbast23ddaysafterthedDwofeach6frgryGe. Wewfnotdaargeyouanyinterest mpurchases l yaw pay yowetelebalenceby the duedateeaclh morth. Wewfbegkncharg rightereston cash advancesandbalance ban4er4 d appkabk on the transactiondese. iMruptcy Notice X you 1119 banbupscy you mast send us notice, khekrimg account number and of information re191ed to the proceeding tothekilurvingaddhess GBIoneyBankAtin.B&n"XcyDept,P.Q&w10106,Rxwv 643097& Yuraceountlsowedandse AtWbyGEMoneyBank. For complete terrsandoaadtbrsdyowaccourt,consult yowrOeit CandAgreerrent. Hearing Impaired: W serscall-877-448-8512 01620- S. OW2VIo UsedhfOrmatonAboutYuandYurAoaoum:OrReacy Fbfficydesctbesourcollectlmandddisclosue afktornadmabouryou and yorAccodart. C you waAd fse another oopy of the PnWcyfbMcl, please dal is at the customer service telephone number i dcwtedmtheBart alt issiatement. This is an attempt ro coded a debt and any khtamotbn obtained wilbe used forthetpntpose. By proving a ttrkphone ra ndw on n!y BOOMS, l corset to GEMWW Bank and any other own®r or servlcer of my accours d:ottadhgtneabotRmyaoootnt,hdnaYrgusYgatycmfactb*npvatknoree/pttanenumbersipmW^ andiconserstothe used myautomadc telephone dating system and'oranmdrod lorrescordedwlcewheamtsactingme, even Warn charged rorthecat udermyphone n. Far changes of addmss, phone number andlor snag please check the brut and pnkr the changes below or visit as on fine at www.oerraortavcorn. Name sxw Adatess - zo Rene a Era/ _ win.nvr sm.?rrcv.s tarpo.om..po.s s?rm?ou.a -- ween,senassseryd BYPROWDROGKXRBMMLADDIE$YYuxEE70f=ME wLaakwtuNOWMAWUrXXPAO JNTANDALSOore FEiWS91DNFDRUS roPflDMDEICXRBNMLADOPESS7O7hEDb9i8i'A6174WT7PRDND9iPEg96.dTtADC?BNG M3MCAF W ?$ J jai 15 ms#s1 s ? A $t 31 228 m At 53 5. .. ? p S q 1?2 8 c 6$ d E 2 1 I a g 35 em s r?-_ r 21 TH 1, -R e ? ?5 g2 .92 fill A y 3 ?. aab, '.? g > w O 0 ` lip g ?$ o 3^ L6 e$g VC5 q's =19 -1 NCO N8 N..GttO tS LD 32 ?j5,11 8 MUG al 1-11 1 9 tit IM, r ILI fi'll 22 H mint :51 i III-mil-612 , 11 ----.... .... •?N.?..? ? W Y -i 42 r a y ? `•.? YLl 10 ?? ??Y1 GE ? T H ?y Ea m-FS a cr es-9 SfE? MtA OG C tlf d C ? a' R ?p•cf c?a _?'Q?m? ? ? 5 MUM mp ? c?ayy ? 1O'rs•?a 'F3?$Cy 10 Y U Yq N C T?? m 2 Xtj 1,J$m ?9 s m? SHit o g 8 Q .?s. ®Ra sFORa? s? Aml Sob .. g? till all] Jo? p 11, 4124 e IN I m It $LL gills 12 1? fg 11M .19 D tr I Zi g g? Q? D III a cs ARM s? a ?. ? I I I T i! i Will,! H 00 ? I All A Rill n III a s s 4d s= .-Am I gtgf HIS 32s fil Z a s $ s Sa t R1 ?? a9 W R gilt- 1131.? a nb bj0;3 bbl =Mg 4 m V w LL 4 m U ? w 111b,119,9 ?? 1 aka a I ? g a 4 12 4 fpa? hr"' IN Is I PM IME P 1- rS .G ill AIM 9j"q 2g All H jr a 41 P sit] olis P , ga A 029 1-fild"at ilia K15r, h 4 i $ ?s s ? zZ Aim; !? 110 Im1. Cat u,W el is 2 i I-am a an M, 1. e 1 11 _ y v? a ?Fats, a a flosk-10 Ru 111 ag, ? 9 1 12, W 'RSHN aP@@g G 8° p m, A og zr - 11 r -AI I.G Z@ 151 13 -1 c w V b 4 19 v 1; 1.1 CD I a ? -1 w oll, i3l .1fif H11 14 411 i1oli a 11 's w w s I I °.QbA 1 511 1 c ?. ..?a s [Syy R{. s Ej% ps R d Pill ir! k 711 1.. illo H Q , - :2 N hr i s =g HIM Fit It x 79 Rmir"." 11 Rgj,. s M 11 1 21 $ NO 5a gall 11 -gel 13 .4 u I s I 'o V1. - a r Mill s p a Elf 3es.?.c J 111??• h Y O W li ? °a 11011.981011 s t ? - ?j 1.1112 A .? k ml Gn 1. s g 9 h p ? s? I c'?.c g a h P4 a a 81 ?¢} ifff ?¢ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor b: TNF- PIR0TH0t40 i 2012 JUL 12 AM 8: 03 'UM RLANU COUNTY P£NKtYLVANIA ?gttltti' pT i'..(l7t7?i?p,?7r¢¢ Portfolio Recovery Associates, LLC vs. Thomas Jeffrey Englebright Case Numbe 2012-4090 SHERIFF'S RETURN OF SERVICE 07/06/2012 08:28 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on my 6, 2012 at 2028 hours, she served a true copy of the within Complaint and Notice, upon the within na ec defendant, to wit: Thomas Jeffrey Englebright, by making known unto himself personally, at 22 S. En la Drive, Enola, Cumberland County, Pennsylvania 17025 its contents and at the same time handing to im personally the said true and correct copy of the same. AMANDA COBAUGH, SHERIFF COST: $43.00 July 09, 2012 SO ANSWERS, 1-01 RONNY R ANDERSON, SHERIFF C olin, Sjito shenft.Ter ;; (i ,Cie,,A. Brown, Esquire kdbert N. Polas Jr, Esquire Mark R. Garvey, Esquire Gregory J. Babcock, Esquire Attorney ID # 94055/201259/312686/205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff F �_}L «_�Ey":�n� THE 7 . ti �Or*11 u1 Q FAI6 2C!4 DEC -9 Pfl 3: 03 CM3Eii? ,<<O COUNTY PEN.:`'.S YLVANj4 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. THOMAS ENGLEBRIGHT 22 S ENOLA DR ENOLA PA 17025 No. 12 4090 Defendant PRAECIPE TO SETTLE DISCONTINUE AND END PLEASE MARK THE ABOVE -CAPTIONED ACTION AS SETTLED, DISCONTINUED AND ENDED. 11-90132 es ectfull su ' mitte 1 rt N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar #94055 Mark R. Garvey, Esquire PA Bar # 312686 Gregory J. Babcock, Esquire PA Bar # 205061 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. _++` Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Gregory J. Babcock, Esquire Attorney ID # 94055/201259/312686/205061 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 4090 v. THOMAS ENGLEBRIGHT 22 S ENOLA DR ENOLA PA 17025 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Settle Discontinue and End upon T MAS ENGLEBRIGHT by First Class Mail, Postage Pre -Paid, a copy thereof on this 11-90132 day of , 2014, to: THOMAS ENGLEBRIGHT 22 S E 025 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Gregory J. Babcock, Esquire PA Bar # 205061 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 he used for this nnrnn.ce