HomeMy WebLinkAbout12-4101Robert 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
r flfl
HE PROTHO?joT?
2012 JUN 29 pH E: E 4
t%U PEI c vN#J C M l Y
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.
APRIL HOCKERSMITH
105 MEADOW DR
SHIPPENSBURG PA 17257
Defendant
NOTICE
No./ 2 - q101
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 ! V 3 , ?sP? /g!
(717) 249-3166 I
Pennsylvania Lawyer Referral Service /go j IV 'D
(800) 692-7375
PFF
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.
APRIL HOCKERSMITH
105 MEADOW DR
SHIPPENSBURG PA 17257
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 action 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 juzgainiento 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 sot 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 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
ELGI 3LE 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
connmu"11cation is Frovrl an dcht Collector arnd is all.1ttcrttl?t to collect ,1 (?clll,
iiv flifiormation obtaifled xviii lic Li cd 14 that pi,i c}se.
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.
APRIL HOCKERSMITH
105 MEADOW DR
SHIPPENSBURG PA 17257
Defendant
COMPLAINT
Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with
offices located at 140 Corporate Blvd., Norfolk, VA 23502.
Defendant APRIL HOCKERSMITH, is an adult individual with last known address of 105
MEADOW DR, SHIPPENSBURG PA 17257.
It is averred that Defendant was indebted to GE MONEY BANK F.S.B. / JC PENNEY on
November 28, 2005 with account number ************3565 (hereafter referred to as "Account")
A copy of the account history is attached here to and collectively marked as Exhibit "A."
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.
Tl i <rort1rr1unicallon is from Ll debt collector ,zixl is di'l atlerript to collcct ;l dl Dt.
,11,v intbrination obtaiiied will be i,jseci for that l?tarpo e.
Defendant was provided with copies of the Statements of Account showing all debits and credits
for transactions on the aforementioned Account to which there was no bonafide objection by
Defendant.
Defendant was in default with respect to that debt for failure to make the required payments on the
Account. The last payment made on this Account was on March 20, 2010.
Plaintiff is the purchaser, assignee and/or successor in interest GE MONEY BANK F.S.B. / JC
PENNEY 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
$1,255.89.
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, APRIL HOCKERSMITH, in the amount of $1,255.89, plus costs of this
action and any other relief as the Court deems just n reasonable.
Robert N. Polas Jr., Esquire # 201259
Carrie A. Brown, Esquire # 94055
11-96341
corm-nui,)icatlon is ti-om a debt collector _ nd is an attempt to coileet a dcht_
A,I1v 'nf'or1Tlat'on olitairred will be ri cd for that purpose.
VERIFICATION
The undersigned Custodian of Records for Portfolio Recovery Associates, LLC,
Matt' L. Moore hereby states that he/she is authorized to take this verification on behalf of
said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are
true and correct to the best of his/her knowledge, information, and belief, based upon information
provided by the Plaintiff.
The undersigned understands that false statements herein are made subject to the penalties of 18
Pa. C.S. Section 4904, relating to unsworn falsification to authorities.
Date : JUN 13 201p By:
Gusto Gan o ecor s
11-96341
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: ************3565
APRIL HOCKERSMITH
Account Holder:
APRIL HOCKERSMITH
105 MEADOW DR
SHIPPENSBURG PA 17257
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
GE MONEY BANK F.S.B. / JC PENNEY
Portfolio Recovery Associates, LLC
************3565
November 28, 2005
March 20, 2010
November 7, 2010
$1,255.89
September 29, 2011
Balance at Charge-Off: $1,255.89
Less Payments: $.00
Balance Due: $1,255.89
11-96341
GECM49
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, Mazy 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 GE MONEY BANK
F.S.B. / JC PENNEY ("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 29, 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 APRIL HOCKERSMITH
("Debtor") to the Account Seller the sum of $1,255.89 with the respect to account number (************3565), as of
November 7, 2010 with there being no known un-credited payments, counterclaims or offsets against the said debt as of
the date of the sale.
5. According to the records of said Account Assignee, after all known payments, counterclaims, and/or setoffs
occurring subsequent to the date of sale, Account Assignee claims the sum of $1,255.89 as due and owing as of the date
of this affidavit.
Po lio Recovery Associates, LLC
( $?2 -11 &1 1
BV-,-' Moore , Custodian of Records
JUN 13 2017
bscribed and sworn to before me on of 12012
of ry Public
Jason Vita
1 1- 6341 Commonwealth of Virginia
Notary Public
Commission No. 7509710
My Commission Expires 113112015
I 1is C01'11tnul11CZ1t1011 is li•oni it debt collector and is an attempt to collcct a debt,
Aw, 1nt'0m,,uitic n obtaincd v?ill be used JOr that l)ut'POSe.
GE MMney Bank
BILL of SALE
PRA 120-day iylid Prime -September ?Oll
For value received and in further consideration of the mutual covenants and conditions
set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated
the 20th day of December 2010 by and between General Electric Capital Corporation, a
Delaware corporation, GE Vfoney Bank, a federal savings bank, and Retailer Credit
Services Inc, a Delaware corporation (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 Agreement,
to the extent of its ownership, the Receivables as set forth in the Notification Files (as
defined in the Agreement), delivered by Seller to Buyer on September 20, 2011, and as
further described in the Agreement.
GE Money B ank
r
By: e_
Title: CFO
Retailer Credit Services Inc
By:
Title: President
General Electric Capital Corporation
By:
Title: Vice President
Gfxmq-"q--.- i ov 2
GE Money Bank
BILL of SALE
PRA 120-day Mid Prime - September 2011
For value received and in further consideration of the mutual covenants and conditions
set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement"), dated
the 20th day of December 2010 by and between General Electric Capital Corporation, a
Delaware corporation, GE Money Bank, a federal savings bank, and Retailer Credit
Services Inc, a Delaware corporation (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 Agreement,
to the extent of its ownership, the Receivables as set forth in the Notification Files (as
defined in the Agreement), delivered by Seller to Buyer on September 20, 2011, and as
further described in the Agreement.
GE Money Bank
By:
Title: CFO
Retailer Credit Services Inc
By:
Title: President
General Electric Capital Corporation
By: .?
Title: Vice President
Gzc,,*,vm9 z of z
The JCPenney
Gift Card
give them something to remember!
in stores, jcp.com &
1-800-222-6161
Terms and conditions are applied to Gift Card/e-Gift Cards.
JCPenney
Summary of Account Activity Payment Information J
Previous Balance $1,255.89 New Balance $0.00
- Other Credits $1,255.89 Minimum Payment This Period $447.00
New Balance $0.00 Amount Past Due $D.OD
Total Minimum Payment Due $447.00
Credit Limit $950.00 Payment Due Date 11 /09!2010 ''..
Available Credit None
Late Payment Warning: If we do not receive your minimum
Statement Closing Date 71/07/20iD
payment by the date listed above, you may have to pay a late
Days in Billing Cycle 28 fee up to $35.00.
APRIL N HOCKERSMITH Visit us at jcp.oomicredh
Account Number: ?6 51 Customer Service: 1-800-527-3369
P.O. Box 981131 El Paso TX 7999&1131
Train Balance
Date Reference Number Type Description of Transaction or Credit Amount
11/07 F911900N70099MO R CHARGE OFF ACCOUNT-PRINCIPALS ($887,74)
11/07 F9119DON700999990 R CHARGE OFF ACCOUNT *FINANCE CHARGES' ($368.15)
FEES
TOTAL FEES FOR THIS PERIOD $0.00
INTEREST CHARGED
11107 INTEREST CHARGE ON PURCHASES $0.00
TOTAL INTEREST FOR THIS PERIOD $0.0
2010 Totals Year-to-Data
Total Fees Charged in 2010 $234.00
Total Interest Charged in 2010 $279.08
merest Charge Calculation
'our Annual Percentage Rate (APR) is the annual interest rate on your account.
Annual Balance
Expiration Percentage Subject To Interest Balance
Type of Balance Date Rate Interest Rate Charged Method
tegular NA 29.99% $0.00 $0.00 E
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
-I
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
Account Numb . 51
Total Minimum Amount Past Due Payment New a once
Payment Due Due Data
$447.00 $0.D0 11!09/2010 $0.00
?
FILL IN TOTAL PAID ? ? ? ? ? ?
1I'I1110I I 11•" ?
Ja
New address or email? Print changes on the back.
APRIL N HOCKERSMiTH
105 MEADOW OR
SHIPPENSBURG PA 17257-8982
P.O. Box 960090
Orlando FL 32896-0090
5433 A1H 1 5 7 101107 Z X PAGE 1 of 1 4119 4700 D175 CIDJ5433
The JCPenney Rewards Gold I Platinum Credit Card Program*
The JCPenney Rewards Gold / Platinum Credit Card Program offers marry spacial banal exclusively for our JCPenney Rewards
Gold /Platinum cardmambers, Including Special Savings CaNflcate(s) and a Birthday Reward CartMicate.
Please visit jep.corfJcredit to learn more about the JCPenney Rewards Gold I Platinum Credit Card Program
Spend 5500 or more on merchandise orserviceswith yourJCPenneyRewards Credit Card ovi 2ormore uniquestoppingdays in each calendar year to
earn or maintain JCPenney Rewards Gold status. Spend $1.000 or more on merchandise or services with your JCPenney Rewards Credit Card over 2 or
more unique shopping days in each calendar yearto earn or maintain JCPenney Rewards Platinuan status. We reserve the night to change or cancel the
JCPenney Rewards Gold 1 Platinum Program or any oral of its benebls at any time without notice. If your account is not in good standing and/or you no
longer meet our credit criteria, you maybe ineligible for the JCPenney Rewards Gold I Platinum Program and/or unable to take advantage of JCPenney
Rewards Gold / Platinum Program promotions- The JCPenney Rewards Gold i Platinum Program is available only while you are a resident of the
contiguous 48Unitad States, Puerto Rico and Alaska.
)redltsToYourAccoun An amount shown in parenthesis orprecededbyaminus(-)sign sacredftorcredhbalance unless otherwise indicated.Credit
.
/ill be applied toyour previous balance immediately upon receipt, bull will not satisfy any requirements that maybe due
iankruptcyNotill if you file bankruptcy you mus- send us notice, inckdirg account number and all information related to the proceeding to the folbwinl
ddress: GE Money Bank, Adn: Bankruptcy Dept., PO Bra 103104, Roswell, GA 30076.
'bur Account is owned and serviced by GE Money Bank
fearing impaired: TDD users call 1.800.444-1732.
Customer ServicsQuestions: Poraccounl information, please call the toll free number on the front of this statement. Unlessyyour name is listed on the
statement, yyoour access to informaton on the account may be limited. You may also mail questions (but nol payments) to P.O. Box 981131, El Paso, TX
7ial131.P1 incl ;),uraccountnumberonanyconesppoondenceyousendtous.
Payments: Send payments to PO Boz 860090, Odardo FL 32896 0)<JOorppay online.
NMke., Seebelow for rBillingRghtsandother important information, Telepptaninggaboutbillworswill notpreserve your rights under federal lawTo
eserve rrights, ease write to our Billing Inquiries Address.P.O.Bcxx981403EIPaso,TX79998-1403.
Purchases, returns, and payments madejusl priorlo billing dale may not appppeeaarunt next north s statement When you prow ciao check payment. you
authorizeusedherlouaein rmationfrom your check tomake aone-limeeledrondfund Iralfrom youraccountortoprocess thepaymemasacheck
transaction. When we useinform atlonfrom urchecktomake anelectronic fund tmnsfer,funds maybewithdrawnfrom your accaund as soon asthe same
daay?( we receive yea ent, and you will not race ?e ur check back from your financial institution. You may choose not to here your payment
colloctild electron IyyIyymmbbvv sanding your elt< (ywollh tlw peymarrl sWb) In your own envelope - not the enclosed window envelope,
addressadto:P..O.B?53e84S,AtgrilGA 0 3o915andnotgwPaym ntAddress.
What To Do N You Think You Rnd A Mistake On Your Statement remittance coupon, (e) is not received in the remittance envelope provided
If you think there is an error on your statement write to us at: a (q Includes staples paper clips, tape, a folded check, or
GE Money Bank P0. Box 961403, El Paso, TX 7§9911-1403 w espondence of a type Under ordinarryy circumstances arty
Or complete and mail or tax the Dispute Form found at payments made al a JCn ey store w tt be c edited as of the dayy you
www.jcp.comudredtt makesuchapayyment. AfternatncfylyropumaymakeyourpaymeMonfineat
in your lacier, Iva us the following information the webstle apddress shown on your b lfing statemerd, provided you make
• Account ormaffon: Your name and account number our payment in U S. dolars horn abank /orated in the U.S. Conditional
• Dofferamount The dollar amount of the suspected error retards: All written communications concerningg cisputed amounts,
• Descrlpllon of Problem: If you think there is an error on your bill. inig a y check orpotherpayment inslrumenllhat: fi} indicates that the
descrlfewhatyoubelieve iswrongandwIlyoubelievaitisamistake. enliconstifutes` mentmfull"oristenderedasttullsatsfactionofa
You must contact us within 6860 days a@har the error appeared on your deputed amount; or (its tendered with other corndAiors or limitations
statement. ("Dlspuled Paymerrtsl must be mailed or delivered to us at PO Box
You must noti us of an rentialerrorsinwrifinp.Your callus,bulrf 981403 ElPaso,TV 1403.
yqou doweare nol required (o investigaleany potent al er ors and you may CAWN k ..orb and Account krbrmiefion: If you believe that we have
have topaylheamourdinquesfan. reportedirnacxxxateinlanmlpnabout toacorsumerreportigager?cy
Whileweinvestigatewhetheror noltherehasbeenanerrorlhefollowing pleasecorlaclusatP.0.Box 981402,El.PasoTX1599i .In?rgso,
are true: please identify the inaccurate information and tell us why you believe l is
• We cannot try to collect the amount in question, or report you as incorrect. If you hamaoopyef the credit report that includestheiraccurate
delinuentonthatamount. information,psaseincldescopyofthat report We may report information
arge inmaayy about your account to credit bureaus. Late ppaary?mm?rts, missed payments, cr
chargethaT dherdefaultsonyouraccountmaybere9eciadinyourcredit reportwe de a mistake you will at have fo pay the amount in question o arry Bakrrrrx Sub?lrrIc To interest Ch a Cdeuwon
interest or other fees relatedtothatamount. A.(ikDailyBalanalnelud curmntfmmaetlons):elkfigure
• While yyou do not have to paayy the amount in question , you are the interest chaarrgpe an your account applyinngg the periodic rate to the
responsible tortheremairder ofyourbakance avemgedaily beance°dfyduraccou Togulthe'avem edaily balance`
• We can apply any unpaid amount apainstYour credit limit . we take theheminnnnIfilntmirn rrleerhA- rhtmv,n-•m,
If you are dissatisfied with the goods or services that you have
purchased with your credit card, and you have tried in good faith to
correct the problem wikh the merchant, you may have the night not to pay
theremaining amount dueon the purchase.
To use this night, all of the following must he true,
1 The Purchase must have been made inyourhome state orwithin 100
miles of your current mailmp address and the purchase price must have
been more than $50. (Note: Neither of these are necessary if your
purchase was based on an advertisement we mailed to you, or if we own
thecompanythal sold you the goods orservices.)
2 You must have used your credit card for the purchase Purchases
made with cash advances from an ATM or with a check that accesses your
credit card account do not qualify
3 You must not yet have fully paid for the purchase
If all of the criteria above are met and you are still dissatisfied with the
purchase, contact us in writingg ((or electronicalrytyl a1:
GE Money Bank P0, Boz 98T403, EI Paso, TX?9 1403
(www.jcp. com/credfl)
While we irnresfgate, the same rules apply to the disputed amount as
discussed above. After we finish our investigation, we will tell you our
decision. At that point. if we think you owe an amount all do not pay we
may report you as delinquent.
rMrf=olruvmurambon About Payments: You may pay more than the Total
PaymerMat anyOw Mailed payments received after 5:00 PM
your
nancil institution You can
miltance coopon servicer
one payment or
as
yavers earyoaance or less man zero will be
rage lybalancewllbecalculated foreach
A. except unpaid Interest Charges are not
ante.
except new Purchases are not included in the
C: except unpaid Interest Charges are not
or credits. This gMes us the daily balance Arryry
zero w t be treated as zero. A separate dory
for each balance type on year account. The
ash Chargessedixnofthis ement'sthesum
dayinthe.Wal ydedividedbythenumberof
this statement refers to the following payment
WMajorPumhaseCharge; C-Commercial
r statements in Spanish by calling customer
2-0800.
01 DJ5433 - 7 -11 102010
This is an attempt to collect a debt and any information obtained will be used lorthat purpose.
'By providing a telephone numberon your account, you corsets to GE Money Bank and any otherownerorservicerof your account contacting you about
your account, including using any contact information orcell phone numbers you provide, and you consent to the use of any automatic telephone dialing
system and/or an artificial or prerecorded voice when contacting you, even 4 you are charged for the call under your phone plan
For charges of address, phone number and/or email, please check the box and print the changes below
Name
Sl rest
Address
Cry State,
? Zip
Phone #
E mail
Home Phone If Business Phone # 'Cell # or other phone # we Email Address
can use to contact you
By providing your email address, you agree to receive email communications about your account and all give permission
for us to share your ema I address to JCPenney so you can recall special offers and updates.
our lowest price of the season!
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„Q APRIL N HOCKERSMITH Visit us at jcp.comlcredh
J ?t y Account Number. ?6 51 Customer Service: 1-600-542-0800
P.O. Box 981131 El Paso TX 79998-1131
Summary of Account Activity
Previous Balance $1,204.28
- Payments $300.00
+ Interest Charged $26.34
New Balance $930.62
Credit Limit
Available Credit
Statement Closing Date
Days in Billing Cycle
$950.00
None
04/07/2010
31
Transaction Summary
Tran
Date Reference Number
03120 P9119WF10100BHFD
Payment Information
New Balance $930.62
Total Minimum Payment Due $46.00
Payment Due Date 0 510 2/20 1 0
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee up to $39.00.
Minimum Payment Warning: If you make only the
minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance.
For example:
If you make no You will pay off And you will end
additional charges the balance up paying an
using this card shown on this estimated total
and each month statement in of ...
You pay .... about ...
Only the Minimum 6 years $1,700.00
payment
If you would like information about credit counseling services
call 1-877-302-8775.
Balance
Type Description of Transaction or Credit Amount
PAYMENT - THANK YOU ($300.00)
Fees
TOTAL FEES FOR THIS PERIOD $0.00
PLEASE NOTE YOUR MAILED PAYMENT MUST BE RECEIVED BY 5 P.M. (ET) OR YOUR IN-STORE PAYMENT MUST BE
RECEIVED DURING STORE HOURS ON THE DUE DATE.
NOTICE: Your payment may be converted into an electronic debit. See reverse for details, Billing Rights Information and other
important information.
PLEASE DETACH AND RETURN THIS STUB WITH YOUR CHECK PAYABLE TO GEMB.
GET THE HOME SPRING Account Number: 51
CATALOG. CHECK BOX, Total Minimum Payment Due Date New a ante
GO TO JCP.COM OR Payment Due
CALL 1-600-222-6161 $46.00 05102/2010 $930.62
& ORDER TA001-9067
[ I (1906) FILL IN TOTAL PAID ? 11 F1 ? ? ?
? [I
11'I1I11Itt?? ""' I 11." -" a
New address or email? Prtrrt changes on the back.
APRIL N HOCKERSMITH
105 MEADOW DR
SHIPPENSBURG PA 17257-8962
P.O. Box 960090
Orlando FL 32696-0090
5433 A1H 1 7 7 100907 E PAGE 1 of 3 9119 4700 E115 010W5433
The More You Shop, The More Privileges You Earn
JCPenney Privilege" Gold Card' JCPenney Privilege` Platinum Card'
• JGPenney Privilege Savings Certificate(s) ID Theft Protection
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'Spend $500 or mare on merchandise at services with your JCPenney Card over '1 or more uni ue shopping days in each calendar year to earn or maintain
JCPenney Privi,V..' Gold statue. Srrend $1,000 or more on merchandise or services with yarr Juenney Card over 2 or more unique slofrpmg days in each
calendar year to yarn or mafntair J Penney Privilege Platinum status. We reserve the right to change or cancel the JCPenney Privilege` rograhr or any or
all of its benefits al an lime without notice. If your account is not in good standing and/or you no longer meet our credit crileria, you may be ineligible fur lie
JCPenney FYivtlege' Program and/or unable to fake advanlage of JCPenney Privilege' Program promotions. The JCPenney Privilege' Program is available only
while you area resident of the ron:iguous 48 United States. Puerto Rico and Alas'aa.
'ID Theft Protection: Identify Inch insurance underwritten by subsidiaries or alfiliates of Charlis Inc. The dascridion herein is a summary and intended for
informational purposes only and does not include all terms, conditions and exclusions of the policies desailxxl Please refer to the actual policies for terms.
conditions, and exclusions of coverage. Coverage is tint availahle in Now York and may not be, available In other jurisdictions.
Call 1-800-527-7717 to learn more and eraive a anmrnsty rfesaiption of this bonelit.
Is ants of Alaska and Puerto Rico are not at gible for the lop.com & catalog free shipping benefit. Other deta
-Icp. clam & call log Free Ship r ug Ermp a e Resic
Cafdmember benefits are subject to change o" cancel6i:ian at any time without notice.
BankrupteyHotke: If you file bankruplcyyou must send us notice, including account numberand all information related to the proceeding to the
followngackiress GE Money Bank, Attn: Bankruptcy Dept, POi BaO 03104, Roswell GA30076.
Your account is ownedandservlcedbyGEMoneyBank., For complete terms and conditions of your account, cornuh yourCredit Card Agreement
on the account may be limited. You may also mail questions (but not payments)to. P.O. Box 991131, El Paso, TX
cunt numberon any correspondenceyou sendto us.
ran listed or the remit portion of this statement or pay online.
I Telephoningg about billingg errors will not preserve your rights under federal law
Bar9B1403,EWasp TX 9098-1403.
are not
an el
not appear until next month's statement We reserve the rqM to obtain payment
dating an ACH (electronic) debt in the amount of your check or instrumed to your
our bank. Your bank account may be debited as early as the same day we receive
delecUonieai sendirgyom mont(wkhtheppaayymenlatub?inyour
P.O. Box 53094 , tlalda, GA 30353 0945 and nottho PsymsMAdeydrBoss.
, sitpute the m founerror , www ?curcom? statement. you letter give the follow! g
r • Dollar amount The ar amdo? )U IFe suspected error • Description of
alieve is wrongq and why you believe t is a mistake. You must contact us within 60
airy potentiaferrors in writing (oreledrondcally), You may call us, but if you do we
we may continue to charge you interest on that amounl But, it we del
or any interest or other fees related to that amount. • While you do riot
'balance. " Wacan apply any unpaid amount apain5l vourcredt limit
at amount • The charge in question
that we made a mistake, you will not
pay the amount in question, you are
Nvices that you have purchased with
tenant, you may nave me
must have been made in
ote Netnerof [hew are
made with
irACcoum may Deoelayeo up to we di
institution located in the U.S.. or (c) is
le. Alterwe
uent.
on any is nday
ot
tie mailed or delivered to us at P.O. Box 981403, El Pal TX 79998-1403.
Credits To YourAeeount: An amount shown in parenthesis is a credit or credit balance unless otherwise indicated, Credits will be applied to your
prey ous baYance immed ateiy upon rate Cpl, bulwill not satsfyany required payment that may be due.
7 areMonlfor?np: To assure the you receive accurate and courteous customer service, your telephone calls wi;h us may be monitored by our
em agenlsorrepresentatnesandyouagreebthismontoring
Credk Ralw'b and A::I In/ornwtlan: Ii u believe that we ttawe reported Inaccurate inbrmation about you to a consumer reporting agency
Please contact us at P.O. Box 981402, EI Paso, TX 79998-1402. In doing so please Identify the i accu ate information and tell us why you believe t Is
ncorred. If you have a copy of the credit report that includes the inaccurate mfo matlon; please include a copy of that report. to s as well. We may
report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your
credit Pont
reInflannal About Internet Clra?pes Returned Check Fees, Late Pavmend Fees and insurance {premiums, If applicable, are not frcluded in the
balance subject to Interest Cha for MethodsA,B Cal Returned Check Fees and Late Payment Fees (but not insurance premiums) are included
in thehalencesubjecttoInterestt hergellorklethod?.
A. The balance subject to Interest Charge isyourAverage DailyBalance.Togetthis balance. wefirst determine thedaily balances forthebi9fn cycle
taking the opening balance each day which includes any unpaid periodic Interest Charges subtract any payments and credits, and ad ar y r?
Purc hases. We then add all the daily tx?ICes and dhnde this total by the number of days in the cycle, which gives us your Average Dally Balance
However, there will be no dance subject to Interest Chame fora billing cycle if there is no pprevious balance on your Account for the biting cycle or the
sumof rpayments andced?s onyours ccomtdurirgl ehtling salleaetequaltatheprevbusbalance. AlyAverage DailyBalarxz0 lessthan
zerowi be treated as zero. B.ThesameasMettadA,ex' npa Interest Charges are not included in thebegirlbalance. C. The same as Method
A, except new Purchases are not included in the aaily ba nce D. The same as Method C, except unpaid Interest Charges are not included in the
beginning balance. E. The semeas Method A, except that each day we mutiplyttre daily balance bythe daily iod c reteto obtain tolly es Chaoe for
thaday and add he deify balaeThis g vas us fidaying balace, awill ortance for fie fol gg At the end f the
hiilingcycieweadthedallylnteresibalanCharc)BStogetltotlpe odllntrtbill. cyceYoucandtermnetlCha
rg he dapec ce subject to Intrest Ch amipl enur f days ithe bi lling A
ny Balance less
tapplyl hanzetrowlllbe late to the reatedas.c
Balance Type ontheface ofthlsstatemedrefers to thefolowingpayment method R=ReguiarCharge,M=Major Purchase Charge, C=Commercial
You can request to receive statements in Spanish by calling customer service numberat 1800 542.0800.
Hearing Impaired: T DO users call 1-800-044-1732.
01 CW5433 -10 - D31192010
Use of Information About You and Your Account: Our Privacy Policy describes our collection and disclosure of information about you and your
Account If you would like arather copy of the Privacy Policy, please ca us at the customer service telephone number indicated on the front of this
statement. In addition information aldulyouandyourAccountisfurnished toJCPenney(arid itsaffiliates andlicensees) asprovided inyour Credit Card
Agreement.
This is an attempt to collect a debt and any information obtained will be used forthat purpose,
By provtdklg a telephone number on my aomurd, I consent to GE Money Bank and any other owner or sevicer of my account contadirg me about my
account, includinrgg using any contact information or call phone numbers I provide, and I consent to the use of any automatic telephone dialing system
andlor anar ificiafor prerecorded voice when contacting me, even t lam charged orthe call under my phone plan.
Please print changes of address, phone number, and/or email below.
Name
Street
Address
City, State
? Zip
Phone A
E-mail
Home Phone it Business Phone 1t Cell No or other phone ft we Email Address
can use to contact you
BY PROVIDING YOUR EMAIL ADDRESS, YOU AGREE TO RECEIVE EMAIL COMMUNICATION ABOUT YOUR ACCOUNTAND ALSO GIVE
PERMISSION FOR US TO PROVIDE YOUR EMAIL ADDRESS TO JCPENNFY SO YOU CAN RECEIVE SPECIAL OFFERS AND UPDATES