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HomeMy WebLinkAbout12-4091Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie A. Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 Attorneys for Plaintiff a f HE T14" I ""JUN 29 pM L/ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff V. MICHAEL ADAMS 653 ALEXANDER SPRING RD CARLISLE PA 17015 Defendant NOTICE a No. /Z - og/ el v/ z -?-e-k7 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 5 -Al This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Court Administrator 32 South Bedford Street Carlisle, PA 1701:3 ?? 3. ?Sp c//P? (717) 249-3166 Pennsylvania Lawyer Referral Service ?" ???77 (800) 692-7375 3 V n , n 77 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. V. MICHAEL ADAMS 653 ALEXANDER SPRING RD CARLISLE PA 17015 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 so] icitado 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 OF 1CINA 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 3:2 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Pennsylvania Lawyer Referral Service (800) 692-7375 cOIMIILIa_Iicz11i011 iy € Vin a debt collector z.md is Sao attempt to collect .'any flil'ormation obtained ?N;111 lie Lvv ed 16r that pt.;.rpose. Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: 757-518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Blvd. Norfolk, VA 23502 Plaintiff No. V. MICHAEL ADAMS 653 ALEXANDER SPRING RD CARLISLE PA 17015 Defendant COMPLAINT 1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. 2. Defendant MICHAEL ADAMS, is an adult individual with last known address of 653 ALEXANDER SPRING RD, CARLISLE PA 17015. 3. It is averred that Defendant was indebted to GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT on July 7, 2010 with account number ************5937 (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. hl i; communicallon is from a debt collects r « jid :-, an atletnht to collect a dc,bl, any infor€nation s;El tai??ecl that purpose. 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 February 11, 2011. 8. 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 $3,689.09. 10. Despite reasonable and repeated demands for payment. Defendant has refused and continues to refuse to pay all sums due and owing on the aforementioned Account, all to the damage and detriment of the Plaintiff. 11. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff respectfully requests this Honorable court enter Judgment in favor of Plaintiff and against Defendant, MICHAEL ADAMS, in the amount of $3,689.09, plus costs of this action and any other relief as the Court deems just and reas ble. ) e? ?-), ra? Robert N. Polas Jr., Esquire # 201259/ Carrie A. Brown, Esquire # 94055 11-93319 t`hi:? cornrnuric°, boil is tic ni a debt collector aild is an attempt to collect a , ? Hil'or nation obtaMedl will be tiscd [''or 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 11-93319 r ?62?' y: - Mary L. Moore Custodian of Records This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. EXHIBIT A This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. PORTFOLIO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************5937 MICHAEL ADAMS Account Holder: MICHAEL ADAMS 653 ALEXANDER SPRING RD CARLISLE PA 17015 Consumer Account Product Code: PVT Issuer: GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT Assignee: Portfolio Recovery Associates, LLC Account Number: ************5937 Date Account Opened: July 7, 2010 Date of Last Payment: February 11, 2011 Date of Charge Off: September 12, 2011 Balance at Purchase: $3,689.09 Purchase Date: September 27, 2011 Balance at Charge-Off: $3,689.09 Less Payments: $.00 Balance Due: $3,689.09 11-93319 GESM36 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 September 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 MICHAEL ADAMS ("Debtor") to the Account Seller the sum of $3,689.09 with the respect to account number (************5937), as of September 12, 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 $3,689.09 as due and owing as of the date of this affidavit. Port lio Recovery Associates, LLC (5-1? By "Mary L. Moore, Custodian of Records and sworn to before me on Public 11-41319 o?JN 142012 ,2012 Jason Vita Commonwealth of irginia Notary Public a Commission No. 7509710 My Commission Expires 1/31/2015 1-111's c0r1111'1UtaiCMl0n is from a debt collector and is an attempt to collect a debt. \n-,, isd'Orinartlion obtained N?vIll be used J'Or dint purpose. 8664201312 15:42;54 10-12-2011 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: Glenn Marino Title: VP Date: ltr// /?' Cut-off Date Face Value # of Accounts Purchase Price Factor Purchase Price GiSM34 CARECREDIT/GEMB GE Money Cardholder Name: MICHAEL L ADAMS Account Number: X937 Statement Closing Date: 02/111.2011 Summary of Account Activity Payment Information Previous Balance $2,6D0.30 New Balance $2,552.57 + New Purchases $0.0D Total Minimum Payment Due $83.00 Payments $g5.00 Payment Due Date 0310612011 +/- Credits, Fees & Adjustments (net) $35.00 PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE. +/- Interest Charge (net) $2.27 We may convert your payment into an electronic debit See New Balance $2,552.57 . reverse side. Credit Limit $3,000.00 Available Credit $447,00 Late Payment Warning: ti we do not receive your Total Days In Billing Period 28 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.geffioney.com may be increased to the Penalty APR of up to 29.990%. For GE Money customer service or to report your card lost or Minimum Payment Warning: Making only the Total Minimum stolen, call 1-866-893-7864. Payment Due will increase the amount of interest you pay and Best times to call are Wednesda - Frida the time it takes to repay your balance. For example: y y. If you make no y You will pay off And you will end u additional charges the balance share paying an estimate using this card and on this statement total of- each month you in about... Only the minimum 19 years $9,95D.00 payment $122.00 3 years $4,388.00 (Savings =: $5,562.00) If you would like information about credit counseling services, call 1-877-302-8797. Promotional Expiration Notification YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT FOR FURTHER DETAILS. YOU HAVE A PROMOTION(S) EXPIRING ON 08114/12. Promotional Purchase Summary Promotional Promotional Deferred Trion Date Description Initial Expiration Balance Interest Charge Purchase Date Amount 08114/2012 $2,414.00 $433.37 07/3112010 With Payment Deferred Interest $3,000.00 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 Tran Date Post Date Reference Number Description I Amount 02/1112011 02/11/2011 F9072001A000HGDDA AUTOMATIC PAYMENT - THANK YOU $85.00 CR FEES 02/06/2011 02/06/2011 LATE FEE $35,00 TOTAL FEES FOR THIS PERIOD $35.00 NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 LFH 1 7 11 110211 PAGE 1 of 3 5072 3000 CoR0 Ol EJ5302 Pay online at gamoney,eom or enclose Uiis coupon with your check Please use blue w blank ink. CareCredi Total Minimum Payment Due Payment Due Date New Balance Account Number $83.00 03/0812011 $2,552.57 -937 Payment Enclosed : $ ? ? ? ? ? . ? ? New address or e-mail? k you only pay the Total Mini- Due k may not payoff the Promotional Purchase by the E:pirat- Date. Check the box at left and print changes on back MICHAEL L ADAMS 54 WINCHESTER GDNS CARLISLE PA 17013-4615 Make Payment to: GE MONEY BANK PO BOX 960061 ORLANDO. FL 32898-0061 Customer ServicerQastion& For account ktarrnatbn please call the td free number on the front of ads statement. Lkdess your name Is fisted on thfs statement, your access to kdomhatlon on the activist may be Mndted )bu may aiao me# questions put not psymentoto.P.Q 8ox961127, BFaso, 7X79998-1127.Pkasehdrmleyouracaoutnunberonanycomspondenceyousendtons Payments Send payments to the address fisted on the reminance cmgm portion of this statement or pay online at wvvw.gemoneu.corn, OvemKlitf0ymentspeymentscannot beme&Inpert,ma6psymentso:GEM bneyBards140MOAspringsPbadforgwvoC 1132779 Notice:-%ebebwforyourBMVfMghisandodwknpatantkdom dm 7efephm4uyaboutbMFngwnwswgnotfaeswwyourrights underfederaffaw.7bprewmyowdgh spfamm*etoourtlMVingL*ksAda*nPQB=981438,BPesq 7X79998-1438. Radwsmreusmandpaymentsm dejimprkrtobMVdotetmynotappearutYnerdmordhksotaneM Wereservethedgfnto obtain payment electrardcaly for any check or other kuvunent that you sad to us by kdtlatkg an ACH Oiactrordc) dealt In the amount ofyour check orkm&ument to youraccourt, lbrcheck orln iftument w/ not be retuned to you by us oryourbwk Your bank acc=9 maybe debited as early as the same day we recehe yourpsyme t. You rnsy choose not to have your payment collected electronically by sexing your payment (dth the remittance coupon), M your own envelope - not the enclosed remktanceemelope, adtiressedto.,PD&ur530860,Atfanta, GA30353-o980ardrwt the payment address What To Do If You 7Mnk You Rnd A& fatake On Wx r Statement: Myou think there Is an eroron your statement, write to us at: GE !Money Bards PQ Bak 981138, B Pasq 7X79998.1438. Inyour klWgAm us the fafovvkg kdormatbn:. Acco ut ft*m* m- loo nameandaccou tnaanber. Doiararnout:7bedDhramoutofttesumpectedetror. Descr*dondpvobletreMyouthf *&meisan emoronyourti4 describe whatyoubefevelswmug and whyyorbefevelf ba mistake Ibu must conlM us wkhfn 60 daysafterthe error appeared on your statement . You must nobly us of any potendal errmkl nrti . You may cal ury but Myou db we arenot requked to knestlgate any potential erorsand you may have to pay the amount M question. whfe we Investigate wlbther or not dwehasbeenan eror, the fobwkg are true. . we cannot try to called the amountInquestbn wreport you as deftp ent an that amount.. The charge In question mayremaln onyourstatamhertandwe may continue todwrgeyoubateteston thatanteut. Bur, y we derermire that we node a mistake, you wd not have to pay the amorat In quasibn oratry kter ed or Daher fees related to that uncut.. MIND you do not have to pay the amount In question, you are responsible for the nnoinclar ofyour belance.. We can applyany unpaldamoutagakw ycurcredlNnk. lbwltghtsIf You AreDlsseddled W th WxwOedlt Card Ptuchases:lfyouare dlssatbiled with thegoods or services that you have puchasedwMhyouraedtcargandyouhawtrk!dkngoodfakhtomnecttheproD/enwitht hemerchant,youmayiuvetherightnot to pay the remakdrganxxm t due an thepuchase. 7b use this nIght, alf of the fefowkg mrstbe&w.,1) 7hepuchasemust haw been made Myourhome stare orwilhin 100 mfes dyotrcurertmaMhgaddes%and the purchase pdoe must have been mare than $50. OVote: Nekheraaneseare necessaryryourpurdaase wasbasadon an advertisement we rnalkd to you, or8we own the oanpany that sold you the goods orservlces) R) You must have usedyourae(ib card for the purchase. Ruchases made with cash advances fromano Morwkhacheckthatoccemesyowaedtcardaccoutdonotqualy.3)lbunwgnotyethawh*peidforthepsdmse. Ifaiofthecriferkabove are metandyouare atBd oOlledwkhtheprrcamcontactusinwntkgahPQB=981438,BP1so,7X 79996.1438.YN0 we investigate the same MesappytothedeputedanxKWasdiam sedabove.Afterwef>rdshowktrestigatkn, wewdtefyouourdeclstan&thatpofnt, Nwe~youoweanamoutandycudonotpay?reimyrePottyouazdekKp#eM• InfomationAbout Payments: Youmay paymore than the 7bta/kgndmum Payment atany time FDymens necekedafter5A0 F#1 ftpaymenta yr ?p)?krp ant dbhusddabrsekaaw na?taus ndai antamoodin *LLS$,? cc au?pardedbyth remittance coupon attained toyotrsutement, (cpcontakhsmom than one payment eriemltance coupon, (e) knot recekvedknthe remittance envelgpe provided or it) bdudes staples, paper cgoy tape, a bided check or correipade cis of any type. [one Af wvktem mnamurcadons concamkg deputed amo nf4 kuk/dng any check or other payment kksonmrert than kdtates stet the paymet constkttes'paymetin Wo?BtedeeedasfufsaWlacaon ofa a1hprxedamout, or pQls MxWedwdth odwconddonsor"atbrw(LYsputedFOyme WImustbemaMdarddWeredtousatP.QBv981438,BFbsq 7X79998-1438. Cecits to Your Account: An amour shown with a Otned to one amount Is a erect or aedt balance unless otherwise kdcated OedtswibeappfedtoyourpmWombabncekunedately upon receipt,butwfnotsotstyary requbedpaymentthatmaybedue. Teiephme Alordtafng: Farqualty coroutpuyoseS you permit us to Msten to orreoad telephone cats between you and us C edtAepotfsandAooomthdarrnation: Nyoabekw dtat wemayhotenVortedkuwa"te kdomnadonabma youtoa consurter- nwoftwagency,plea ecwgeausatP.QBox9B1439,BPesgTX79998.1439.tndatgsgpleaaekkrtiydwkmmmmiakdonnatbxn NitmaytepwtkdamatimaboutyowaccouMticmdtlbureausLatepsyne mLssedpaymentsorother Variable Fate information: Mary d yo rAPFa are wrbW that AFRwX vary with are market based on the PAWw late How LongWN thePenahyFateAppy9 MyourAPlaaelnemsedbecanaeyoumadea larepaymet, the FenakyAPRwNappyuntl youmakeskcoh®ecutlven**M npsymentswtmdue. Now We Ca/adateinterest.NkuseamethodaNedthAYbalance'.Duri gbMVcyceslnwfdchkee es[Bc otgectforeachbalance type on your account we 4? the Interest charge on yon &wout by appykg the peladc rate to are 'fitly balance" of your account far each dry in one blMV cycle. A separate dally balance wff be calculated for the folowi g balance types, as applicable. purchases, balance banskm cash advances and other balances that are subsea to d'luert kterest rates, plans or special promotions Fist, we deuwn*wt he t W baknce'. Mdeaamine the ddy balance, we tale thebegknbgbalance eact day, addany new surges and lees posted that toy, and 9ttraa any payments and eealts posted that day. This gknes us the day balance. Secor4 we calculate the amour ofkMeestcharged To do d* wemufapy the appkable doily rate by each ably balance on your activist. Rdrd we add the kdarastamouttothedr*balance, andtheam wlbeecne do beakw*m balance forth efnfevWta dav. Paying Interest: Wxwduedatelsatieast23daysafterthedoseofeachbntngcyce. Wewfnotcharge youatyinterest onpuuchases Nyou payyoureraftbalanceby the due date each month WewNbegfncharging krteesfon cash advancesandbaiance tranders M applicable, on one transaction date. Bankruptcy Nodce: M you Ble banlazQtcy you must sand us notice, kwkx*V account number and a/ Information Meted to the promedngtothekMwdMaddessGElbneyBvdsAft- BkmW ptcyDept,PQ&w103106,Fbavv4G4300M lowaocourtisownedandsavkedbyGEUmWBank Far complete femmandoatclMosofyouaccount, cor"your Credt cardApeement. Hearing Impaired 1DDuserse211-877-448-8512 OVEEM- 9- OW2r/f0 tlsedmfonnationAboutYuandY6trAwount :OurFAVary yydesm esowcoMwdonandda =mofkdarmationabotuyou and yotrAccotat. W you would like another copy of the Rivacyy Fbfcy, please call us at dw ataWw service telephone n rnber khdcatedontheportoft isstatemet. 7Ms Is an attempt to collect a debt and any kdomnadon obtakcd wilbe used for thetpurpose. BY ptwidtg a telephone number on account l COnSent to GEklbney Bads and any other owner or servicar of my account -- ---ingmeaboutmyaCCOnt,koXnk Lmtga;r c=c(W mudmorcefphemnunbasipmWftandfcrosetttothecued unaderntypt utomad pelepho?nedafngsystemand'oranartlAckforterecordedvokewhatcontactingme,evenMlamchargedferthecall Fix changes of add piton number and'or emaa please check the box and pInt the changes below or Watt us oNVne at WWW.OenateV.Cml. Mime _ ? after - Access kyu9,g, E -MR _ ibAmla?f thmYmYD/ (i/pr?si.adhort/w/ Bn./A'Mes IIR0,1181bmbtfyW BYFFEM XXRBWKADDtss,MAt,AMrotWB%EBWEcnttwtt ORIUMAMMMORADO"iTANDALSOG e FEFMSfMFCRthSTOPROUDt: XX RBMLMDFESS 70 THens4tBrlsrtlwnPBDwt?arAEmi.BZACr.?tttvG KMcaaz Cardholder Name: MICHAEL L ADAMS Account Number: 6019 1830 7523 5937 Statement Closing Date: 02111/2011 Transaction Summary (Continued) Tran Date Post Date Reference Number Description Amount INTEREST CHARGED 02111/2011 02/1112011 INTEREST CHARGE ON PURCHASES $2.27 TOTAL INTEREST FOR THIS PERIOD $2.27 2011 Totals Year-to-Date Total Fees Charged in 2011 $35.00 Total Interest Charged in 2011 $4.57 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rate Rate (APR) Purchases NA 26.99% $109.82 $127 With Payment Deferred Interest 08114/2012 26.99% $2,898.18 $0.00 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 wig be available at every CareCredit provider. This is only a summary of key terms. Additional terms and conditions of promotional financing plans will be provided to you by your CareCnhdit provider at the time of your transaction. For purposes of this notification, your Purchase APRis 26.99% If the APR is variable, this rate varies with the market based on the Prime Rate. No Interest It 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 al a special discounted rate of 14.90% APRduring the promotional period. Aker 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 Important Information About Your Account Terns: Your December 2010 statement included a summary of Important Changes to Your Account Terms and an insert with additional changes. We have decided not to make those changes at this time. As a reminder, we reduced the maximum Late Payment Fee, Returned Payment Fee and, if applicable, Returned Loan/Convenience Check Fee to $25 (or up to $35 if a payment is late or returned again within six bilking cycles) effective 8122110. These fees will not exceed the minimum payment due when payments are late or returned. if your Agreement previously provided for a Late Payment Fee based on the Account balance, we will horror the amount that is less than $35. 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 parry such as a spouse about your account, please send written authorization to the General Inquiries address. 1 30: EFH 1 7 11 1102'Ll PAGE 2 of 3 9072 3000 CERO Ol EJ5302 530- DFH 1 7 11 110211 PAGE 3 of 3 9072 3000 06110 01EJ5302 I i CARECREDIT/GEMB Cardholder Name: MICHAEL L ADAMS GE Mona Account Number: 937 Money Statement Closing Date: 09/1212011 Summary of Account Activity Payment Information Previous Balance $3,654.09 New Balance $0.00 + New Purchases $0.00 Total Minimum Payment Due $759.00 Payments $0.00 Payment Due Date 09/13!2011 +/- Credits, Fees 8 Adjustments (net) $3,654.09- 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 $3,000.00 Available Credit $0.00 Late Payment Waming: If we do not receive your Total Days In Billing Period 29 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.genioney.com may be increased to the Penalty APR of up to 29.990%. 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. Tran Date I Post Date I Reference Number I Description Amount 09/122011 09/12/2011 F9072007ZOD999990 CHARGE OFF ACCOUNT-PRINCIPALS $2,414.00 CR 09/1220' i 09/122011 F9072007700999990 CHARGE OFF ACCOUNT *FINANCE $1,275.09 CR CHARGES' FEES 09/08201.1 091062011 LATE FEE $35.00'' TOTAL FEES FOR THIS PERIOD $35.001 INTEREST CHARGED 09/1212011 09/12/2011 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2011 Totals Year4o-Date Total Fees Charged in 2011 $280.00 Total Interest Charged in 2011 $896.D9 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rafe Rate (APR) Purchases NA 29.99% $0.00 $0.00 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 Nritten authorization to the General Inquiries address. NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 DFH 1 5 11 =70912 2 X PAGE 1 of 1 9072 3000 CER0 01EJ5302 Pay online al gemoney.wm a enclose tins coupm with your check. Please use blue m tAack ink. Ca1°eCredit Total Mmtmm Payment Duue Past Due Amount Payment Due Date New Balance Account Number $759.00 $0.00 0911312011 $0.00 937 Payment Enclosed : W ? ? ? ? ? a ? ? New address or a-mall? Payment due includes $ 0.00 pest due. Please pay the pest due amount PROMPTLY. ? Check the box at left and print changes on back MICHAEL L ADAMS 54 WINCHESTER GDNS CARLISLE PA 17013-4615 Make Payment to: GE MONEY BANK PO BOX 960061 ORLANDO, FL 32896-DO61 Customer -Se vice'Questfarts: For account inithrmatim please cal the tol hee number on the front of OBEs statement. Wass your name Is Itsted on thisstatement Youracoess to informotan on the aecotart may be Noted You may a)so mallquestions put not payment4to:P.t)t Box961127,HFIeso, 7X79998.1127.FieasekxkKkyouraocoumnurnberonanyaottespondenceyousendtous Payments end payments to the address fried an the remittance coupon portion of this statement or pay or** at v,ww.aemoneu.com. OherngftPaymentzpaymentscarmwbemadeInpeso,nolpaymadsto:GEMooyBenk,140NhMva sland,LongxvoocR FL32779 underfed-flaw ?bp-yowdgh s pkasew *etoowM&Wk quiiesAftest RQ9wr98li3$t3FLsq 1X79888.1438. Asdwse4 muffmand paymentsmacieyrs[pdortobinp date may notappewuntlnextmontfisstareme t. We rosette due dght to obtain payment akdmncaly for any Check or other Ilstro mert dot you send to us by b"fing an ACH Misctront) dad[ In the amount ofyow chedrobastrunent to yowaccoure. Nxrcheck ar6otnane t YAnot be retumed toyou by usoryowbank kxr bans account may be debited as early as the same day we receive your payment. )bu may choose not to have your payment eotkcted electronically by sending your payment (wish the remittance co+pontl, M your own envelope - not the enclosed mmktanroeewdcpe, addressedto: POBox5309W,Atlanta, GA30353-0960atdntot thepaymentad*ess What To Do H )txn Think *u Rnd AMstaka On )hr Statement: K you think Uwe is an eweron yorslatenent, Write to usat. GE Money Barry PQ Bar 981436, a Paso, 7X799981438. ins your ktterghe us the fafavkg I fomsatbn:. Accaent INOrnoton: Xxr name andacemsi unbar . Dolaramotet: 7liedo/aramoutofdw atrghectederor . Descryidondprodem:lfyou Mkktlheefsan erroron yourbg dueauaxbe Wtmtyaubelew iswmV andwhy you befeve ltis a male Your" contact us within 60 daysafterthe error appeared on yowstateme t. You malt no* us of any potehda/ errorsktw4Rlg. lbu may cal us, but 1 you do we are not required to Inv sattgate any potadlaf errasand you may have to pay the amount Is question YM a vine Inesdgate whdher or not dare hasbeenane wthefobwingaretrue: .We cannot try tocalled theamount InquestionorrmiwKyouasda*Kuentonthat amount.. Thed*Ve ki gwstbnnuyremab onyorstatlwnetdandwemaycantlrae to c argeyoukteneston dot amount. Br, R we derv nine that we made a mistake you wlnot have to pay dine amotrd Is quests orany kteest or otherfees related to that amount.. WhIle you do not have to pay the amount its question, you are responsble for the remainder of your balance.. We can a ppl yang sxspald amount agalhs y-cmcft Nmk. Nhw Ptgbts ff You AeDlssatsfied With lour Oedht Card Archasergyouam clesedsdkdwtth the goodsorservtbes that you have psachaaedw0youraedtcaret andyouhaw ttiedingodfaith to corsecttheproblern with themodumt,youmayhavethesightnot to pay the remaining amours due an theptrc ase. 7b use this right, alof the fa/owngmustbe true: 1) 7he purchase must how been models yourhome state orwIthkt 100 missofyowcuret maAIV address, andthe purchase price must have been mom than $50. pnbte: McMw oftheseam necessary Myourprrdose %%abasedos an advertisement we maled to you, ortwe own the company that sold you the goods orservices) 2) lbu must love usedyouraadt card thr the purchase. Prchases made with cash advances horn anAMforwtttacheckdotaccessesyrwrcrerIf cardaceoumdonotquaNy.3)1lwmtatrwtyethaw ft*paidfathepurchase. If aNofthe akeda above are metandyou are sWdFmddW v kh the purchase contact Lis In writing ahP.Q Bar 981438, El Paso, 7X 7999&14M OW we knrestigate thesame rubs appy to the dapuedamountasdsctrssedabove.Ahewe flhlsh ourlnesagatoy wew/te/youotrdeclsfon.Atthatpoint,Nwed**youoweanamordandyatdonotpxywemaympo tyouasdekxpw d. than the7btal6Nnlmum Payment at any tkne. Rhyme tstecehedafter500 FRf nvWM noe coupon attached toyowstatemerd, (cD confalnsmom don one payment orremktance coupon, pe) Knot receivedrr the mn*Unm enwekpe providedor if) kxkdes Maple; paperc4K tape a folded olwa or cnnegpo Bence of any type. OMMIchns AIR Al written commurAwdom mnoanfrg drpufed amorn% kwkx*g arty check or other peyment Instrument that: M indicates dotthepaymentoonsOktRes'paymerdkhWorth fe deedas Usadsladkm ofa dliputedamount, or pgisaendwedwkh odheroorsdtbmorMntadomrDbWedPriymerds'I mustbemafedordaluemdfousatRCIBox081436,9Assq 7X79998-1438. Oedts to Nxr Account: An amount shown wilt a tRnext to the amount is a cnedt or aedt beiance unless otherwise indicated Oecfts"beappledtoyowpmWawbabncelmnodfedyuponmcapt,twtwitnotsaddyokaytequredpaymentt atrosybedue. Telephone hki*odng: Forqualty conathipuposes, you permit us to/ser to orrernrdtelephone cabs between you and tit rmportkgagency, please contact usat Phi repot kdonttatbn abotttyowaccwnt fo credr bumaus Late payment; mhsed paymeme 1larfabie Rite Information: ffany d yorAP)la ate serlabte, that AFRwiI vary with the marhet based on the Prime Rate. How LahgWINtheftwlryfbteAp y7 ffyowAFRsatekwrwsedbhcoutaeyournadeaIvtepayment,thePenokyAPRw/applyua youmahe skeonsecLWwnNhlnun paymentswondae. How We Lbfarlateinteast:Museamedhodcahd` Wbolathee.Dtargblsgcycwinwitchkterest/sdorgerlfareachbalanee type on yaw account we Ngue the Interest charge on your account by appyhg the periodic rate to due 'da* balance"of your account for each day It the bang cycle. A separate day baiancoe wNbe tabulated thr the fobwrhg balance types, as applkabk: praclwses, baknoe transfers, cash advances and other balances that are sutod to aNkrert interest rates, pens or special promoti n& Fret, we deeanlothe th4fbelansce". lbdwerrihe0*daybnian ce, avetale thebegbraYgbafenceeaca day, addany new charges and fees posted dot day, and subtract any payments and aadks posted that day. This gives us the day beiance. Second we calculate the amount otrateest charged Win do thk we muhply the appNcable day rate by each day bsbnee on your account. 7W we add the Interest amount tothedaybalance. andtheson wilbecame thebeglrigbe)ance for the folow4g day. ltxrktenestduMetbrdobMVgm isd*srnoftheMarestameutsfhatwemchaigodeachdaydrrgdwbMNcydekreaeh balaneetype ftdmrge amk*mm of$2ofrteestbaanydigcydarawhkhynwowehterest. PayMginteeW: Nxrduedateisatleas23daysaftertoclosecfeachbingcyde.V* vinatchargeyouetyrteresonpuchams yyoupWyow&Oebahnoebydmduedateeadhmomh WewNbegindorgingirdemstoncash advancesandba/ance trarssfer> ff appdcabk,onthe bansactiondale. Bankruptcy Noteer # you flit betauptcy you must sad us notice, khelydrg aeoourt rummer and aN Information rbited to the proceedrgtodmtblowksgaddwwGEA*wWBanyAMLBan i4xWDep(.,P.QBak1R3f06,Ro we46430076. lburaarout)sownedandservkedbyGEMoneyBank. Par complete terms andoondbDnsofyouraccourt,consult your Qecit wwA wmad. Hearing knpalred: lDDaavsc20l-877-446-8512 ofas=- 9 - 06`22/10 tlaedhUonnationAboutYouandl6WAccount :OtirA acyFbNkyd?oweabcdonanddWimmotltamabnaboutyou andYoWAecount. lfyou would it a anodher copy of the Rhocy ibNcy, pleas cal us at the customer service tekthhone nurnber kxacatedon dhe Oond of this statement. Ids Is an attempt to callect a d&& and any khUhhhedon obtained wit be used for ttatpupose. By p?ovkbg a feiephao merrier an account, f consent to f?Money Bank and any other Owner or service of my account eotdadi gmeaboWnyaccoimt, krdudngusrgatym?dactk*mutknareelphot*mmnbetslpmvW and I cmnerdrothe used u ?d?tekptnrone dialing system anaVoran antl8elalorreeoorded woke wdhentcontacting me, even Vern charged forthe cat For changes of Plaaekives, phone number andlor emat, please check the book and print the changes below or Y** us on-khe at www.oefncfw min. rrame ? steer - Ad&M Flprlea - _ EIne1 _ Ildip noun a,rr.ao.r c apm.om Pp * an.r Mhen .san,sebmaueyer BYPFVWDMXU MWLADDFEMwuAMW7Z)REE EeM4l. CMERPAXMM GnE FB%NSSMFCRt1S7DPRDUDEW R7BMpLADDFEW 07FEDf31L8YA?3f/WpPriDND9if?91RHtA0f?/JNG1 MC4FV. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson I.%r"t1' C' r Sheriff ??ti?ti s of l :irr lid jt ? ;"E Pit? C- [H.0 J Jody S Smith 'ray Chief Deputy ;'012 JUL 23 AM 8: '18 Richard W Stewart C0MBERLAK COU11 4_,, Solicitor P -NNSYLVAN(A Portfolio Recovery Associates, LLC vs. Michael Adams Case Numb 2012-4091 SHERIFF'S RETURN OF SERVICE 07/16/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent se and inquiry for the within named defendant to wit: Michael Adams, but was unable to locate him in hi; bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Mich Adams. Request for service at 653 Alexander Spring Road, Carlisle, Pennsylvania 17015 the Defend was not found. Deputies were advised, Michael Adams has moved out. However, The Carlisle Postmaster is still delivering his mail to this address. SHERIFF COST: $39.00 July 17, 2012 SO ANSWERS, RON R ANDERSON, SHERIFF cour' ?''-Cr* Carrie A. Brown, Esquire Robert N. Polar Jr, Esquire Attorney ID # 94055/201259 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff 2Ci2 A~1G 14 Ali I0~ 50 ~~UMI~ERL,AND I:QUNi~Y t ENNSYLV,~N1A 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. MICHAEL ADAMS 653 ALEXANDER SPRING RD CARLISLE PA 17015 Defendant No. 12 4091 PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respectful bmitted, 11-93319 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) 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. 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 4091 v. MICHAEL ADAMS 653 ALEXANDER SPRING RD CARLISLE PA 17015 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Dismiss upon MICHAE-1%~AMS, by Fi t Class Mail, Postage Pre-Paid, a copy thereof on this day of , 2%to: MICHAEL ADAMS 653 ALEXANDER SPRING RD, CARLISLE PA 17015 Date: 11-93319 Carne A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, #2012_` 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.