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Home My WebLink About12-4100Robert 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 or TH{Er PR0THCF,U1? r 2912 JUN 29 PH 1: 13 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. IL qr 0 O (71 j / C- 7e-',e7-7 V. LYDIA HENDERSON 18 REGENCY WOODS N CARLISLE PA 17015 Defendant NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action withing twenty (20) days after this Complaint and Notice are served, by entering a written appearance, personally or by an attorney, an filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice of any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service - CUMBERLAND County Bar Association Court Administrator 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Pennsylvania Lawyer Referral Service (800) 692-7375 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 70 l9asr?y 12 -e' 2 77'-/d/ 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. LYDIA HENDERSON 18 REGENCY WOODS N 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 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 1,11's co"Y"Millicatio is i?ro ri a debt collector and is an attempi: to c. ljcil't : s nv ititbrmation obtaMed will be use 1i)r that pui-pose. 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. LYDIA HENDERSON 18 REGENCY WOODS N CARLISLE PA 17015 Defendant COMPLAINT Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. Defendant LYDIA HENDERSON, is an adult individual with last known address of 18 REGENCY WOODS N, CARLISLE PA 17015. It is averred that Defendant was indebted to GE MONEY BANK F.S.B. / FORD on May 6, 2010 with account number ************3708 (hereafter referred to as "Account"). A copy of the account history is attached here to and collectively marked as Exhibit: "A." 4. By using the Account, Defendant agreed to repay any incurred balances and/or charges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. °t lei communication Is fronn a debt collector and is d1l 'Ittempt to collect_ zl delll. ?.n int«rmation obtained will be w;cd for that purpose. 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 June 17, 2010. Plaintiff is the purchaser, assignee and/or successor in interest GE MONEY BANK F.S.B. / FORD 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." 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 $833.41. 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, LYDIA HENDERSON, in the amount of $833.41, plus costs of this action and any other relief as the Court deems just and reason le i Robert N. Polas Jr., Esquire # 201259' Carrie A. Brown, Esquire # 94055 11-89970 'ilia commuoi_catif?n is from a debt collector awl is an a1;ternlit to collect a dcht. .Any ii1tbrnnation obtained will be w?cd (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 2017. : g ; Mary oore "C'u'stodian of :Records 11-89970 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: ************3708 LYDIA HENDERSON Account Holder: LYDIA HENDERSON 18 REGENCY WOODS N CARLISLE PA 17015 Consumer Account Product Code: PVT Issuer: GE MONEY BANK F.S.B. / FORD Assignee: Portfolio Recovery Associates, LLC Account Number: ************3708 Date Account Opened: May 6, 2010 Date of Last Payment: June 17, 2010 Date of Charge Off: February 2, 2011 Balance at Purchase: $833.41 Purchase Date: February 28, 2011 Balance at Charge-Off. $833.41 Less Payments: $.00 Balance Due: $833.41 11-89970 GESK52 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 , 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 GE MONEY BANK F.S.B. / FORD ("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 February 28, 2011. Further, the Account Assignee has been assigned all of the Account Seller's power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account or the proceeds thereof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary course of business by the Account Assignee, there was due and payable from LYDIA HENDERSON ("Debtor") to the Account Seller the sum of $833.41 with the respect to account number (************3708), as of February 2, 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 $833.41 as due and owing as of the date of this affidavit. Portfolio Recove Associates, LLC By; Mary Moore , Custodian of Records JUN 14 2012 and sworn to before me on of , 2012 Notla i 5lic II (? iii Jason Vita 00i tf§ii? Commonwealth of Virginia 11- 70 I Notary Public Commission No. 7509710 4 .„, My commission Expires 1/31/2015 f leis communicatiorn is from a dcbt collwor acid is an aacinpt to collect a clcht. i)y ,n!, Frrmfflon obtained w1il he used tar that [)LU'ho:Se. FORDIGEMB GE Money Cardholder Name: LYDIA J HENDERSON Account Numbe Closi 786 Statement t Ciosi Summary of Account Activity Payment Information Previous Balance $798,41 New Balance $0.00 + New Purchases $0.00 Total Minimum Payment Due $258.00 - Payments $0.00 Payment Due Date 0210412011 +/- Credits, Fees 8 Adjustments (net) $798.41- 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 $500.00 Available Credit $0.00 Late Payment Warning: 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: W W W.geMOney.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 1-877-880-9080. Best times to call are Wednesday - Friday. Train Date Post Date Reference Number Description Amount D2102/2011 02!02/2011 F9072DO11OD999990 CHARGE OFF ACCOUNT-PRINCIPALS $475.00 CR 62/D2/2011 02/0212011 F9072DO1100999990 CHARGE OFF ACCOUNT *FINANCE $358.41 CR CHARGES' FEES D1127/2011 01/2712011 LATE FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED 0210212011 02/0212011 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2011 Totals Year-to-Date Total Fees Charged in 2011 $70.00 Total Interest Charged in 2011 $20.06 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 NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 CXH i 5 4 110202 Z X PAGE 1 of 1 5072 1100 AURO CIEJ5302 Pay online at gemoney.com m endow tlas coupon with yakx drerk. Pl- use due a black ink. Total Minimum Payment Due Past Due Amount Payment Due Date New Balance I Account Number $255.00 $0.00 02/0412011 $0.00 -708 Payment Enclosed : $ ? ? ? ? ? a ? ? New address or e-mail? Payment due includes $ 0.00 peat due. Pious pay the past due amount PROMPTLY. Check the box at left and print changes on back LYDIA J HENDERSON 18 REGENCY WOODS N CARLISLE PA 17015-9059 Make Payment to: GE MONEY BANK PO BOX 960061 ORLANDO, FL 32896-D061 Customer Servbe(Qestbns: For account kdarm dM please cal the tot bee number on the from of #6 statement. tk*w you name Is Reed on this statement, your access to tr ibmartlwn on the account may be Ardred lbu may also mal questions put not payments) to.,P.QBw981127,BFlaso,7X79998.1127.Please[ncfudeycaraccouRnuttberon any correspondenceyousend Payments Send payments to the address listed on the remittance eotpon potion of this statement or pay onlne at v_.nww.aemoney.com. Ova nVg F9yrnerxspsymemscannotbe made lnpe wn, malprymerts to: GEMomy Bank, 140 KtMm 4vi gs load, Longwood FL32779 Notice :StaebobwfaryourBigRghtsandodwknportantkdammdm TeAa/thmf gaboutbM germmwflratpr www yotrrtghts under!ederallaw.7bpreserveyarrlyhtspiwwwrRetoawBOUgbtquifesAftmPQdar981AXBFbm 7X79998-1438. Purchases; n4unsandpaymentsmedejustprfortobirgdate may nOappearuRlnertmotthisstoNment. hie reserve the rtghs to obtain payment eiechodcely for any check or other tr bumert that you send to us by Wtafkg an At71 pnectrodc) debit In the amount of your check orM strumert to youraccount. 11b rchedk vktstnanent w®rat be returned to you by us oryourbank Wtxr baulk accost may be debited as early as the same day we receive yaw payment. W6u may choose not to have your payment collected ebefronlafy by serndng your payment (with the remittance coupon), In your own envelope - not the enclosed remktanme nvdape, ad&essedto. POBox530960,Atianta, C,430353-OgM andnot the paymentaddress What To Do f Wbu Think Wbu Rnd A ANstake On )bur 3atemenU f you think there is an enDr on yoursatement, wake to "sat. GE Mortar &rtk PQ Bar 981436, B Fes% 7X79996.1436. let yokf kuergh a us the folbwkp kfonmdm:. AoooW k*rmad= W xr nameandacooutnkrnbew.Daftramotn 7bed0oramouxofduesuapectedey .Deuof/tknafprobkm:fyouft*dwmisan enaronyou liK describe whatyoubefeveiswrong ardwhyyoube ll wekiss mistake. lbu must contact us *W* 60 doysaffarthe e my appeared on your statement. Wbu must no* us d any potental errors ktlwMa 16u may caf us, but fyou ob we are not required to kwealgafe any potential errors andyou may have to pay the amount In question. Mile we kwestigate whether or not thwehasbeen an error the faNbwkg are true. . Nte cannot try to cabd the amount In question ormport you as defropau t an that amount.. Thedarge h question mayremaktonyowgatunertandwe msycaKkae fo datyeyouktereston thafamo"nt. Ba, f vie determine that we made a mistake, you w1 nut have to pay the amaat In questbn orary k#erest or odor flees related to that amount. . IMkpe you do not have to pay the amount in quesubny you are responsible for the remainder of your balance . We can a plnyany tmpaidamaat agwkst y-aedtlbnlt. lour Rghtsf YbuAre DluetI9W With Wbw Cede, Card P rc aseslfyouare dhautkf edwkh thegoodsoserNres dot you have pi dweedwkhyowamakcan;andyouhavehledkngoodfakhtownedtheprobkmwithgmernerclant,yourrayhavedwtWrrot to pay the rar aini g aunara due on thepuechase. 7bmsedtsdght, al d the folowingmutbe true:l) Thepuchasemuthave been made In yourhome stateorwW*z 100 miles o(yawcuent making ackbeK anohhe purchase price must have beenmore flan$,W d'fote: Nefherofthese are neceurarykyourpwc ase nesbasedw an ads ttmwx we mated te you, orfwe own the oanpany that sakiyak the gaols or"W es) 2)1bumust have usedyourctedt card fora a purchase. Purchases made with cash advances fromanA7Mar acheckflatacaessesyafexedtcardaoroutdorwtquoiy.3)Wbumus[notyethswhdypedfbrdmpwcase. teal tithe ailerle above ate metandyou are sWdssafl~wkh thepudese, contact usin writing at. P.Q 0=981438, B Pasm 7X 799931438. Wh b wekaestigate, the same ndes apply to ihedsputedanmWasdsc ssedabove.Afterwe Rrnsh afkuwasdptbn, we wffWyouafdecBbn.Atthatpoint, lrwed**yo uoweanamoutandyardonotpay wemaynWWyouasdek quert. Information About Paayment& You maypey more than the7bial bgtnmun Payment at anytime. f0ymentsnecekedafter590 RW remittance coupon attached toyourstarement,goconeek smove thanonepaymentorrennttanceccq mlb)Lsnottecakedtenthe nsnktance envekpe provided or jV Males staples, paper c" tape, a hided checlk or oarespo Bence ofary type. Obnelftions FIR Al written cormraini atbns concerning ftmaed anxxmM kn kxft ary check or otter payment instrument that 01 kncicatesdot the payment ocratlhaes'paynett An Work; terdenedas f alsarhyadbnofa ditpenedamout, orMisterderedwkh odwcanBADmor MtatiomCDfsputedPayments'bmslbemafedordelhAvedtousalP.QBw981436,BF1aM7x79998-1438. Oedts to W xrAccounh An amount shown with a tRnad to the amount Ise c>edt orcredt balance uness otherwise I SWed. OmdtswNbeappfsdtoyokrpreHoksbelancebmnedlahnyulwn mcegoL txawNnotsatisfyarryrequkdpaymerattatmaybedue. Mephone Mantoring: Forquelty control puposea, you pemnit us to fsten to ornecord telapho a ale between you and us Credit RportsandAccounf tnformatbn: fyoubeleve dot wemayhavereportedbaccurateMamadonaboutyoutoa carsumer- report6gagency.pimse contaa usat PQ Boar981439, BPasq 7X79998-1439. ihdokmgsgpANmkentfy tbekuccuaaektamatbm andfduswhyyoubelevekb hwarrea.fyouhavea copydthecsedtreporf fttbkcbrdasthebaccvrateiMbmakaypkosekwk de scopyofthatreport.Wemayreportkt nWianabouryouraccamttocm&bureausLatepayermbmdpymertsoroffw defauftsonyouraecast maybeteRededkn yorraw kmport- uarfable Ahte information.- !any ayorrrAPtle ate variable, that AFRwA my with the market bused on the Rime Flute HowLag W7f r eFenakyliteAppy7 fyourAFlaarebraeosedbecauseyoumadea Iatepayment, the PenabyAFRwlappy uhf youmake akeorswuM emk*nunpaymentswhendoe. HowMOokdatemtaest.NituseameltWcakd'mlybabance".DnirgbWiV yclesinwWdnktereubschargeatforeachbataim type on your accost we figure the Interest charge on your account by appybg the pedodc rate to the 'tray baanoe"d your account foreach day In the bA7ng cycle A separate defy balance w9be calnaated far the folaving balance types; asappfable: purchases; balance barters, ash advances and other balances that are w bpd to cif Brent An Brest rates, plans or special promotions, AW wedefermietfe`falybefance"Tbdmenninethegaybaance, wetaledwbegkmigbakimearhday,addany new charges and fees puled that day, and subtract any payments and am ft paned dot day. This gives us the defy balance. Second we calculate The amount d bhteresicharged 7b do thks wemukpy the applicable day rate by each day balance an your account.Thidweaddthekteestamount mthedalehamtvmLatdthesunwffh- anr.honrr rwe- s,,e..&Jk- .,,.A- Pays gInterest: ftarduedatelsat/east 23 gaysafterthe close deachbM gcyde. Mewlnotchargeyouanykterestonperchasess fyoupayyouratkebalance by the dedateench month We w0begin charging Interest on ash advarneesandbaance trans lam f appilable, on the trensealon des. Oarnwuptcy Nor1ot= f you file baMatpmcy you must send us notlca, kncbdng account number and ale kMormatlon reamed to the proceeding tothefolowbgadJvwGEMkmayBank AtbcBanlvkgtcyDept, PQ Boar 103106,Rxwe4 6430076. 16uraccountbsownedardservlccdhy6EMWWBank. For complete kmsandcondbonsofyouraccount, mrsufryatrCredr QrdApmernent. Headrg Impaired: TODtsersal1-877-448-8512 orsssor- e- gkazvro UseofhnfarmationMartlbuandl4rrAccount:CrFYNary yyduabesourcOiecdOnanddadommof#dbffnedonaboutyou and yorAocout. f you would Be another copy of the Rivwcy?PoMry, please al us at the customer service telephone number knrfatedonthe bow ofthlssfatement. Me Is an attempt fo calect a debt and any kaarragon obtained w9be used for thatpurpose. By la g a talepho a number on account, I consent to GEMoney Bank and any of ar ewer or serWcar of my account cortactingmeabotamyaccont,kmekaan udVanycortaaktamtadonoodphoenanbomipovWandbcmmxtuteused my sufornatic rndermyphonete lep?hone dalhgwMem andor an arffica/orrerecordedvok a when contacting me, even W am Barged torthe of For changes of addese, phone number andtor emal, please check the box and prkN the changes below or A* us on-line at wwwwarnonev ocm. Name ? &rest AaPbrs 20 Phone a _ Emma iam.mar ar..no,.r oapvwoam.pa,.e amraa..s .een?some.vym BYPRDWDMGW ERBNNLAMgES4MUAGIEEroR3MEBNNLCCAIMLFAOUMA9CLTN FA00.7 WANDALSOGIM FEFRISSION Ft7RUSTD PR014QEM XWBNAtL)VDFOS 7D Tt£OrlltHiMaidfAAlT1Ri0NDl3iREDN B2AOf?gIVG 1DURCgta FORD/GEMS GE Money Cardholder Name: LYDIA J HENDERSON Account NumbeAp"M Statement Closin ??pp Summary of Account Activity Payment Information Previous Balance $500,00 New Balance E475.00 + New Purchases $0.00 Total Minimum Payment Due $24.00 - Payments $25.00 Payment Due Date 07128/2010 +/- Credits, Fees & Adjustments (net) $0.00 PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE +/- Interest Charge (net) $0.00 . We may convert your pa ment into an l i t d bi New Balance $475.00 y e ec ron c e t. See reverse side. Credit Limit $500.00 Available Credit $25.00 Late Payment Warning: If we do not receive your Total Days in Billing Period 30 Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $39.99 and your APRs Pay online for free at: W W W.get110rley.C0M may be increased to the Penalty APR of up to 29.99%. For GE Money customer service or to report your card lost Minimum Payment Warning: Making only the Total Minimum stolen, call 1-877-880-9080. 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 wlti pay off And you will and u additional charges the balance show paying an astimattat using this card and on this statement total of... each month you pay in about ... Only the minimum 4 years $790.00 payment If you would like information about credit counseling services, call 1-877-302-8797. r-lvrnouonat expiration Normcation 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 12/03/10. Promotional PfOmt*One' Deferred Tran Dale Description Initial Expiration BalOance Interest Charge Purchase Date Amount 12/03/2010 $475.00 $24.03 05/06/2010 With Payment Deferred Interest $500.00 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. To make more than one payment see Make Payment To address or pay online at Tran Date Post Date Reference Number Description Amount 06117/2010 06/1712010 P907200HT01EKFMXR PAYMENT - THANK YOU $25.00 CR FEES TOTAL FEES FOR THIS PERIOD cn nn ' NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 ?XH 1 7 4 100704 PAGE 1 of 3 9072 1100 AUKO OlEJ5302 Pay online at www.gemoney.com a endow Ras coup- with your check to GE MONEY BANK. Please use blue m biaa< ink Total Minimum Payment Due Payment Due Date 11 New Balance Account Number $24.00 07/28/2010 $475.00 -3708 Payment Enclosed : $ ? ? ? ? ? a ? ? New address or a-mall? If you -ly pay the Tdel k4imman Due a may nolpay off the Check the box at left and P+omooonel Purchase by the Exr+ralion ate. print changes on back LYDIA J HENDERSON 18 REGENCY WOODS NOR CARLISLE PA 17015 Make Paymentto:GE MONEY BANK PO BOX 960061 ORLANDO, FL 32896-0061 Customer SwviwrQuestions• For account idormadon, please call the toll free number on the front of thls staSement. Unless your name is listed on the statement, your access to Wurnawdn on the account may be lhdred Itu may also mal question fbta not payments;)to:P.Q&hx981f27,BAasa 7X79998-1127.Pleasetrtdudeyotraccommattberonanyoorrespordmmyousertdtota Payments: Stand payments to the address Rated an the remittance coupon portion of this statement or pay online at vdvm.gemoneu corn. Overnight Paymemaccpayments cannotbe made hperson, malp symems to: QEAbnuy Bank, 140 WfdrAe S)trlrgs fimd Ltngw ooc{ FL32779 Notice: Saebelow fdrydurBrng RgMsand odwknportantbdomradm TekphonkVaboW bYrga mrswNrpotpmsww youdgbts underfedervilaw.7bpresmwyotrr pkmwrftetoowBglnquiiesAdciemPQ8ott98f13tt,BFbsg7X79998.1138 Phecnases,mtLwmandpaynxwtsmadeftMpdvtobMngdatemaynmappeartatt9n mmmnibssMftumM Mereservethedg tto obtain payment ekdtmdcaly for any check or other 6nsiuaent that you send to us by ihtlatrhg an A01 Wectrorsiq debit in the amokM of yourdmek arkabtnhentro ymraccmft. lbw doO mkatnenent wllnot be retuned ro you by usor yourbw*'bur bank acco rtf may be deblted as e w* as the same day we receive yaw payment . You may choose not to have yourpsyment collected electronka8y by sending your payment pvlth the remittance eoup%V, In your own emedope - not the endosed remitanceenvdope, ad&essedto: ADBnak&MW,Atfanta, 6930353-09W ardtmt thepsymentaddrem What ro Do If You Think You And AAWake On Nor statement: gyou thirdkthere ls an erroron yo rstaternent, write to usat: GE Abney Bank, PQ wink 981438, 8 Paso, 7X79998.1438. In yourletergh a to the tbkwfhV Mormadon:. Account hftmwton. Nwr rameandaccoutnrenber.Dolaramout:Vwdobrano ofthesttapectederror.Descr*W ofproblem9youtiiktherelson ertoranyowbi4dasvbewhatyoubelevelswntkgandwhyyoubelieveklsainktale.Nwmugconta taswWxfnWdoysatterthe error appeared on yowstaternent. Nhu mug notAy us d any potential errors rLwrLlog. Nw may cal us but 6you Ob waste no rmpiod to imestAgate any potenflat an=and you may have to pay the amount In quegban. Wile we ihvesttgate whether or not there hasbem ana?w,, due fobwigate hue: . We carrot try to celect the amount le question orrepcrt yentas de6hquent on that amount.. The charge InquegbrtmayremethonymrgaMemernandwemay todha?yeyouAlerestonthatanaunt.But, M we detennhe that ve made a mLVaie, you w1 rat have to pay the amount In question orary unrest orodneraees related ro that amount.. WAR you do not have to pay the amount In question, you are responsible for the remainder ofyour bounce.. We can ap plyany tepaldammrt apbw yourcreft init. Nxr Rghts U NwAre DissetI9W Wdh Nwr Oeft CerdPtrdusm tfyouaredksatgkd with thegotdsorswvbesthaf you have prdosedwhthyowcredtcen4atdyoutmwtd&dingoodfa/throconectdwptobhvnwithdwnm chant,youmayhavethetghtnM to pay the remaiig amount due on thepuchase. 7b use turret, al of the fa/owIngmustbe hue:1) 77eprchasemusthow been made it yotrhome state orwWM 100 milasofyourcuerentmalkV address, anefthep rc asepdee musthake beenmme than $50. POWs. Neitheroftxse are necessary 9yowpudwse wasbasedon an adiowdtemert we mated to you, orNwe own the cornpany that spdyou the gads orserv cW V You mutt have used yotrcred cud for Meputchrae. Prdwassmade writ cesh advances from anA7MOrwrha checkdotacoessesyouraedtcardaccountdonotqua/y.3) Nwmutnotyethaveh*paifforthepudwm Ifal tithe criteria aboveare metandyouares0dissaledwkh the prrdhaaG contact usln wrrig at: PQ awS81438 S Am 7X 79998-1438. W ab we kmmsdgate; thesamendesappty to thedwuladamountasdarLnsadabove Anerwe f tdshowkwesdgatba wewfltelyouowdec6to Mfttpdnt,g"d*iyoooweananxwKandyoudororpaywemmymp rtyouasdeihquert. IntmmathonAbout Paymert&)bumay pay more than the Tbta/Minimum Payment at any time, Faynw tstec~after5A0 FM ee rel7hktanee Catpma attached ro ?? ?.,erwarrcouhramhtowmermeu s, lymsnotaecompenfedby the yeursutememt, (cif cantarham?nare thanone payment orremitrance coupon, (e) Isnot receho edi, due remittance etmel ope provided or ogiadudes staples, pater con tape, a lidded check a comaspatdenoe Gary type. ONNNIgpy( AlYIDEOLS Ai written con Iftw1batkrns concenaig d*iuted ammets, kwkx rg any cheer or Other payment instrument tat 0 rdkatesdatthepayment consmutes payment ihworlstandetedashrisadslactonofak>lt utedamotet,orMISaends WWth Otharoonddwtsar"Ildarw(DOWNedfaYntentsltnumbemalkdorda etedtomnsatPQt3a981435,t3P4s%7X79994-1438. Oedts to Nwr Account: An amount shown whh a CR next to the amount Is a credit or craft balance muss otherwise kx&aled. 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Wary ofyow/WBare v®dable, that AR2wJf vary with do market based on the F&m late HowL+ongWM thePbulW fbte)%%*? /fyowAFFbatekhaeasedbecauseyoumadea latep synmg, U*iamO)WRw#aA*undt yarmaheskconswWvemrinun paymentswhmdue. type an ymraccout we figure the merest charge on Ywr account ence . r by appyig the pe?krdc rare rothe'omly bdarae"of of your account for each day In do bMV cycle A separate daly balance wlbe celondaaed for the foiowi g balance types, as applicable. pachasm balance tram cash advances and other balances that are suWd to dWerem kwareat rates, plans or special PronaxlmaaFirst, wedefenriaette`t a yboAnnoe!7bdeawjnjged*dMyba/ance,evetakethe new Barges and Is" POsted teat day, and subtract any payments and credits posled tat day begrr 7 itgbaknce do each dot/ day, e a balance. lance. SlecoxL we calculate the snout ofkteregcharged. Tb do this are mukAdy ica rate a eaves us the account. nakAweaddthei[erestamount AD andthe am a?beco beDfrhnigudvbalance fdayurtibabrtce ir your Naarkgrestcommebrdw? ngd afo/threa balance type. ftd rgeamiknumfos2d i a amcleInwotwemoWL.k eachdayddriaAia9cydeforeach rybifagcydeit w?ddhyouwerteneg. Paying Interest: Nxrduedateleatleast 23daysaftertheclose ofeadhbMvcycfe. W@winotc argeyouaryAtereatonpterhaws dyou pay yoww*ebalanceby tedredate each month. We wNbeghc argkagratereston cash advanceeandbakrhee trand eM d applicable, on tae trarwaeiondate Bankruptcy Notice- X you file bankMfty you mutt send tea nodoe, kacirdbg acoourt nether and of idarrnadon rotated to the pooeedrgtotheft/wviga GSbrWBaral4Atht:tkraapuptcyDea,PQBar103106,AaavetGg30076. NwraoDDunt lsownaedardswvkedbyGEMweyBank. FtrcompWete>msatdeonlWonsofyowaccourt,consulryourpcdt L9rdApeamert. Hearingimpake&lMt mcalt-877-448-8512 (NESM- 8 - osv2yuo Ltetfmfmmati nAbmmt Nwand N WA,000ant: O rFh%%WFoky de?l?esouroeiecdomtanddsclosrne arddrmatlonabmRyou and yowAccroret. W you world Or another copy of the A1wcy }bNcy please cat us at ft customer wn*e telephone somber indcaredonthe bwtdtdssmtement. This Is an attempt to doled a debt and any kdbrms don Obtaked will be used for that purpose. By Pig a relsimbone number on account, t consent to GEAaoney Bank and any odwr owner or servicar of m aocourt aut?anrodca?bqoFK,Iaarye m ,rnaGOtrhgudVanyomtadrdomtlbnorOelphowntenbemmiprwid?andicumemtotheuseof fa tic fele 9sytemaneVoranartlkiefornumeeordedvokewhehcatacdragamewenglamchargedtdrthecal rryau ermyPApurn. For changes of address phone number ancYor emaq please check the box and put the changes below or vlsd to or•Ine at V~..aemanev tom. Abme SUM F-I MOM OwSr, 20 - panne w _ c-Imes wn.r o.e aaomm.r aspen.sm P. .r aror,aa.s w.mmmmrvym BYPW14D/dliVDMBWIILADDFES4,VOUA gMTOR MEBNAILCCAIWLFAOqMAWUrKMAC=WANDALgDGYE R3MSWWADRUS7OPROMEN7t1PBNAILA I)FEW70 TIED&ILBiABJOi/W71RinNOHiPEpl?ADC?IINGN7tA4CMD. Cardholder Name: LYDIA J HENDERSON Account Numbe ,,3708 Statement Closing Dale: U7/04/2010 Tran Date I Post Date I Reference Number Description Amount INTEREST CHARGED 07104/2010 07/0412010 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2010 Totats Year-to-Data Total Fees Charged in 2010 $0. Total Interest Charged in 2010 $0. Interest Charge Calculation Type of Balance Expiration Date Annual Balance Subject f Interest Charge Percentage Interest Rate Rate (APR) Purchases NA 28.99% $0.00 $0.00 With Payment Deterred Interest 12/03/2010 28.99% $502.88 $0.00 I Cardholder News & Information If you have variable periodic and annual percentage rates, the rates will vary with the market based on the prime rate. 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 retailer. This is only a summary of key terms. Additional terms and conditions of promotional financing plans will be provided to you by your retailer at the time of your transaction. For purposes o', this notification, your Purchase APR Is 28.996. 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 APR seen above. This promotion may be offered for periods of 6, 9, 12, 18 or 24 months. 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For more details please visit gemoney com 5302 CKH 1 7 4 20070,7 PAGE 2 of 3 9072 1100 AUKO 01EJ5302 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Portfolio Recovery Associates LLC vs. Lydia Henderson 13 ';EHSy1.'i SHERIFF'S RETURN OF SERVICE Case Number x012-4100 07/05'20'2 i:.104 PM - Shawn Gutshall, Deputy Sheriff, who being duly sworn according to law. states that on July 5, x012 at 1504 hours, he served a true copy of the within Complaint and Notice, upon the with n named defendant, to wit: Lydia Henderson, by making known unto herself personally, at 18 Regenc} Woods, c.,arlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time harrlinc to her personally the said true and correct copy of the same. S-H4k1k1N GU ALL. DEPUTY SHERIFF COST 5:<: 00 July 09, 2012 SO ANSWERS, RONNY R ANDERSON SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC : 120 CORPORATE BLVD NORFOLK, VA 23502 LYDIA HENDERSON 18 REGENCY WOODS N CARLISLE PA 17015 Plaintiff : No. 12 4100 � y Defendant. PRAECIPE TO SETTLE AND SATISFY PLEASE MARK THE JUDGMENT IN THE ABOVE -ENTITLED CAUSE AS SETTLED AND SATISFIED. 11-89970 ectfully Submitte ' Robert N. Polas, Jr., Esquire # 201259 Carrie A. Brown, Esquire, # 94055 Mark R. Garvey, Esquire # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff aa C qqq) dyya This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC : 120 CORPORATE BLVD NORFOLK, VA 23502 v. LYDIA HENDERSON 18 REGENCY WOODS N CARLISLE PA 17015 Plaintiff : No. 12 4100 Defendant. CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Settle and Satisfy upon LYDIA HENDERSON by First Class Mail, Postage Pre -Paid, a copy thereof on this /l day of Date: 11-89970 , 2014, to: LYDIA HEND 18 REGENC CARLI SON ODS N 17015 Robert N. Polas, Jr., Esquire # 201259 Carrie A. Brown, Esquire, # 94055 Mark R. Garvey, Esquire # 312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (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.