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HomeMy WebLinkAbout12-4103Robert 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 U- Vol - - r04 'VIA - 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. KELAH STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 Defendant NOTICE No. ?103 ?i" ? J 1 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 O 32 South Bedford Street 5 Carlisle, PA 17013 ? X03 r?S / ?? (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. 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. KELAH STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 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 SERV ICIOS 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 f " 11is corrimunilciltion is firorri a debt co llectol- 1111d is 1111 ,01' mpt to collect ;A dcht. ;Anv information obt.1me(l will lie u,, of 10r that l)urpose. 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. KELAH STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 Defendant COMPLAINT Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. 2. Defendant KELAH STARNER, is an adult individual with last known address of 200 MCLAND RD, MT HOLLY SPGS PA 17065. It is averred that Defendant was indebted to GE MONEY BANK F.S.B. / WAL-MART on December 12, 2002 with account number ************5315 (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. hlHs cOMMU11ic ation is from a dcht collLetor and is an al emrl lo collect ;,,I debt, \n inl«rmation ol)taifled kvill lie used f'or that l)urpose. 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 May 5, 2010. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE MONEY BANK F.S.B. / WAL-MART 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 $5,591.95. 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, KELAH STARNER, in the amount of $5,591.95, plus costs of this action and any other relief as the Court deems just and reasonab V Robert N. Polas Jr., Esquire # 201259 Carrie A. Brown, Esquire # 94055 11-93821 communication is from a debt collector "Ind is <ara atta anpt to Collect ) deb(. .ny in6ormation obtained will be t,i4 1 <?r 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 unsworn falsification to authorities. JUN 13 2012 1 Date By.a My oore ustodian of Records 11-93821 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. PORTFOI IO RECOVERY ASSOCIATES, LLC 140 Corporate Boulevard Norfolk, Virginia 23502 Telephone: 1-866-428-8102 Fax: 1-757-518-0860 Statement of Account Account: ************5315 KELAH STARNER Account Holder: KELAHSTARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 Consumer Account Product Code: PVT Issuer: GE MONEY BANK F.S.B. / WAL-MART Assignee: Portfolio Recovery Associates, LLC Account Number: ************5315 Date Account Opened: December 12, 2002 Date of Last Payment: May 5, 2010 Date of Charge Off: November 12, 2010 Balance at Purchase: $5,591.95 Purchase Date: September 29, 2011 Balance at Charge-Off: $5,591.95 Less Payments: $.00 Balance Due: $5,591.95 11-93821 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, 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 GE MONEY BANK F.S.B. / WAL-MART ("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 KELAH STARNER ("Debtor") to the Account Seller the sum of $5,591.95 with the respect to account number (************5315), as of November 12, 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 $5,591.95 as due and owing as of the date of this affidavit. 0 olio ReCove Associates, LLC y: _ Mary o , Custodian of Records JUN 13 X012 Subscribed and sworn to before me on of 2012 Not ry Public Jason Vita Commonwealth of Virginia 11-93821 Notary Public 4 Commission No. 7509710 My Commission Expires 1/31/2015 l'llis L?}tit z?nic?>tioo? is ii•oni a debt collector and is are attempt: it) Collect z debt, An In],>rmation obta ined will be used for that PLI1-1) CSC. GE Money Sank BILL of SALE PRA 120- lay Vlid Prime - September ?OlI 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 t By: Title: CFO Retailer Credit Services Inc By:.la?? Ll?? Title: President General Electric Capital Corporation By: Title: Vice President Gf,,cmq-*g.-.- i oA 2 Walmart.*441.. Save matey. Live better. Walmart® KELAH ST N ARNER Visit us at walmart.com/credit Credit Card Account Number: ?15 Customer Service: 1-877-294-7880 Summary of Account Activity Payment Information Previous Balance $4,839.21 New Balance $4,809.52 - Payments $188.00 Minimum Payment This Period $201.00 + Fees Charged $39.00 Amount Past Due $202.OD + Finance Charges $119.31 Total Minimum Payment Due $403.00 New Balance ,809.52 Overlimit Amount $104,52 Payment Due Date 06/0712010 Credit Limit $4,705 Late Payment Warning: If we do not receive your minimum Available Credit OVERLIMIT payment by the date listed above, you may have to pay a late Cash Advance/Quick Cash Limit S200 fee up to $39.00 and your APRs may be increased up to a Available Cash OVERLIMIT Penalty APR of 29.90%. Statement Closing Date 05!12/2010 Minimum Payment Warning: If you make only the minimum Days in Billing Cycle 30 payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Transaction Summary Train Date Post Date Reference Number 05105 05105 P91120OGDOOXTMJG7 05/07 05107 05112 05112 Finance Charge Calculation 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 15 years $11,213.00 payment I If you would like information about credit counseling services, call 1-877-302-8775. Description of Transaction or Credit Plan Type Amount PHONE PAYMENT-THANK YOU ($188,00) ATLANTA GA LATE FEE $39.00 'FINANCE CHARGE' $119.31 Average Expiration Plan Daily Date Type Balance Regular Purchases & Cash NA REG $4,854.66 Advances ANNUAL PERCENTAGE RATE ....................................... 29.90% Corresponding Daily ANNUAL FINANCE CHARGE Periodic PERCENTAGE Rate RATE 0.08192% 29.90% $119.31 TOTAL FINANCE CHARGE:$119.31 Cardholder News and Information Your account reflects an amount past due. If you are having difficulty making this payment, we have several temporary repayment options available to help make things easier for you. Call 1.800-6414526 today to find out if you are eligible for one of our payment options. Eligible card purchases may be billed under one of the following promotions: No Interest if Paid in Full within 6, 12 or 18 months. Under each of these promotions, if the promotional balance is not paid in full within the promotional period, interest will be imposed from the date of purchase at a variable rate of 29.90%. APR will vary with the market based on the Prime Rate. Minimum monthly payments are required. See promotional advertising for further details. Important Payment Information -Payments made in Sam's Clubs or Walmart Stores using a combination of checks, cash or debit will now appear on your statement as a separate payment amount for each tender type utilized (check, cash or debit). For example: A $75 check and $25 in cash presented as a $100 total payment will appear as separate payments on your statement transaction summary. PAYMENT DUE BY 5 P.M. (ET1 ON THE DUE DATE NOTICE We may convert your Payment into an electronic debit. See reverse for details, Billing Rights and other important information. 5404 BFH ? 7 12 100512 X PAGE 1 of 1 9112 3100 0251 OIC15404 Detach and mail this portion with your check. Do not include any correspondence with your check. Account Number: 5315 Walmart ? b. Total Minimu Past Due m Amount Payment Due Overlimtt New Balance save money. Live better. Payment Due Date Amount C $403.00 $202.00 06/07/2010 $104.52 S4,809.52 Payment Enclosed: ? ? ? ? ? a ? ? Please use blue or black ink. j jj j New address or email? Print changes on back. KELAH N STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065-1915 Make Payment To: WALMART/GEMB P.O. BOX 530927 ATLANTA, GA 30353-0927 customerServiceQuestfons: Foraccount information, please call the toll free number on the front of this statement. Unless ynurname is listed on this statement, your access to information on the account maybe limited. You may also mail questions (but not payments) to: P.O. Box 981470, El Paso, TX 79908.1470 Please includeyouraccount numberonany correspondence yousend tous. Payments: Send payments to the address listed on the remit portion of this statement or pay online Notice: Bee below kx your Billing Rights and other important information. Telephoning aboul billing errors will not preserve your rights under federal law. To preserve your rights, pleasewnteto ourBilling Inquiries Address, PO. Box 981470, ElPaso, TX. 79998-1470. Purchases, returns, and payments made just prior to billing date may not appear unfit next month's statement. We reserve the right to obtain paymerr. electronically for any check brother irstrumentthalyou send to us by initial an ACH (electronic) debit in the amount of your check or instrument to your account. Your check or instrument will not be returned to you by us or your bank. Your bank account may be debited as earry as the same day we receive your payment. You may dhocl not to have your payment collected eloelroNeaAy by sending your payment (with the payment stubj, in your own envelope- notthe •ndosed window emrel addressad to: PD. Box 980098, Orlando, FL 32896.0098 and rat the PaymentAddress. What To Do If You Think You RndA Mistake On YourStahmenic If you think there is an erroron your statement. write to us at: GE Money Bank Pit. Box 981470, El Paso. TX 79998-1470 or you may also contact us on the Web at wwwwalmartcom/cred#. In your letter, give us the following information Accountfnforrmtion.Yournameandaccountnumber.Dogairamount. The doilaranountofthe suspected error .Description ofprobrem. If you think there is an error on your bill, describe what you believe is wrong andwhyyou call it is a mistake You must contact us within 60 days afterthe error appeared onyourstatemert. You most notify us of" potential errors inwritirg(orelectronically) You maycall Lis, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question White we investigate whether or not there has been an error the following aretrue . We Cannot try to collect the amount in question, or report you as delinquent on that amount . The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question orany interest or other fees related to that amount.. While you do rot have to pay the amount in question, you are responsible for the remainder of your balance.. We can apply any unpaid amount against your credit lima. YourRightsIF YouAmDiss0silliWMYour Credit CantPurchases:Ifyouare dissatisfied with the goods or sermce that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: l) The purchase must have been made in your tame state or within 100 miles of your current mailing address, and the purchase price must have been more than S50. (Note Neither of these are necessary ifyourpurchase wasbased onan advertisement we mailed to you, or if we awn the company that sold you the goods or services.); 2) You must have used your credit card forthe purchase. Purchases madewith cashadvances from an ATM orwith a checktfwt accessesyourcredit card account do not quality. 3) You must not yet have fully paid forthe purchase. It all of the criteria above are met and you are still dissatisfied with the purchase, contact us in ' irx (or electronically) at: Pit. Bon 981470, EI Paso. TX 79998.1470 (wwwwafmart.coin7creditl. While we investigate, 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 and you do not pay we may report you as delinquent. Information About Payments: You may pay more than the TotalMInlmum Paymentat anytime. Payments received after 5:00 PM (ET) on any day will be credited as of the next day. Credit to your Account maybe delayed up to five days if payment (a) is not received at the Payment Address, (b) is not made in U.S. dollars drawn on a i financial instil l'on located in the U.S_ (c) is not accompanied by the remittance coupon attached to yourstatement, d) contains more than one payment or remittance coupon, (e) is rot received in the remittance envelope provided or (f) includes staples, paper clips, tape, a folded check, or correspondence of any type CortottlWtal PatLrnert_; All written communications concerang dspu eel amounts, including any check or other payment instrument that: (i) indicates that the payment constitutes "payment in full' or is tendered as full satisfaction of a disputed amount; or (ii) s tendered withothercondrionsorlimtationsCDsputedPayments"), must be mailed ordefivered tousat PO Box 981470, El Paso, TX 79998-1470 Credits To Your Account: An amount shown In parenthesis is a credit or credit balance unless otherwise indicated. Credits will be applied to your previous balance immediately upon receipt, butwill not satisfy any required paymemihat may bedue. Talephone MonRodng: To ensure that you recelyc accurate and courteous customer service.. your telephone calls with us may be monitored by our employees or agents and you agreeto this monitoring. Credit Reports and Account Information: If You believe that we have reported inaccurate information about you to a consumer reporting agency, please contact us at Pit. Box 981471, EI Paso, TX 79998-1471 In doing so, please identify the inaccurate information and tell us why you believe as incorrect. If you have acopryof the credit report that includes the inaccurate information, please include a copy of that report. We may report information about youraccounttocredit bureaus. Late payments, In issed payments, or other defaults on your account maybe reflected in your credit report Inlornatlan About Rnanee Charges: There will be no balance subject to Finance Charge for a billing period if there is no Previous Balance on your Account forthe billing period orthe sum of yourpayments and credits on your Account during titre billing period is at least equal to the Previous Balance. In all jurisdictions except PR, each day during the billing period we will figure a "Dairy Balance" on your Account. The Daily Balance is determined by taking the beginning balance for that day, which includes any unpaid finance Charges, add any new Purchases and other debits assessed that day and subtract any payments made and credits issued on that day. This gives us the Daily Balance Any Dairy Balance less than zero will be treated aszero. We then multiply the Daily Balance bythe applicable periodic rate and add that daily Finance Charge to the balance to determine that day's closing balance, which will be the beginning balance for the following day. At the end of the billing period, we add up the results of the daily Finance Charge calculations to get the total Finance Charge forthe billing period. Credit insurance premiums and debit cancellation fees, if any, are riot included in the daily balance. Late Payments Fees and Returned Check Fees, if any are included in theciaily balance. You can determine this Finance Change by applying the daily periodic rate to the balance subject to Finance Charge multiplied by the number of days in the billing period In PR, we figure the balance subject to Finance Charge using the'Average Daily Balance" calculation method. Each day we take the beginning balance of your Account, and subtract any payments. other credits applied to that balance that day, and any unpaid Finance Charges. We also add any new Purchases anddherchargesassessed that day. This gives ustheDaily Balance.Then weaddupallthedaily balances inthebill period anddivide the total by the number of days in the billing period. This gives us the Average Daily Balance. Any Average Daffy Balance of less than zero will be treated as zero Late Payment Fees, Returned Check Fees, credit insurance premiums and debt cancellation fees, Ifany. arenotincluded inthedaily balance In allprisdiclions.. if there is no Previous Balance for the balling period orthe sum of your payments and credits for the billing period is a least equal to the Previous Balance, new Purchases and otherchargers in that billing period will begin toaccrue a Finance Charge as of the first day of the next billing period if a Finance Charge is imposed in the next billing period If there is a Previous Balance for the billing period, including any balance of Purchases made under any Special Paymerd Plan, and the sum of your payments and credits for the billing period is not at least equal to that Previous Balance new Purchases and othercharges will begin to accrue a Finance Charge from the laterof the date of the transaction orlhef rst day of the billing period in which the lranssc ion is posted to your Account. Grace Period: Unless promotlonal purchases call for special terms, additional Finance Charges can be avoided It we receive the entire New Balance by the Payment Due Date. Bankruptcy Notice: If you fie bankruptcy you must send us notice, including account number and all information re ated to the proceeding to the following address: GE Money Bank, Attn: Bankruptcy Dept., Pit. Box 103104, Roswell, GA 30076. Youraeeountisowned a WservicedbyGEMoneyBank forcompletetermsand condil ions of your account, consult your Credit Card Agreement Hearing Impaired: TOO users call 1-800-444-1732 01 C 15404 -1 - 01012010 Use of Information About You and Your Account: Our Privacy Policy describes our collation and disclosure of information about you and your Account. If you would like another copy of the Privacy Policy, please call us at the customer service telephone number indicated on the front or this statement. This is an attempt to collect a debt and any information obtained will be used for that purpose By providing a telephone number on myaocount, I consent fo GE Money Bank and any other owner or servicer of my account contacting me abet my account, including using any contact information orcell phone numbers I provide, and I consent to the use of my automatic telephone dialing system andloran artificial orprerecbrded voice when contacting me, even if I am charged forthe call under my phone plan. For changes of address, phone number and/or email, please check the box and print the changes below Name Street ? Address City, St Zip Phone # E-mail Home Phone # Business Phone # Cell # or other phone # we can use Email Address to contact you BY PROVIDING YOUR EMAIL ADDRESS, YOU AGREE TO RECEIVE EMAIL COMMUNICATION ABOUT YOUR ACCOUNT AND ALSO GIVE PERMISSION FOR US TO PROVIDE YOUR EMAIL ADDRESS TO WALMART. Walmart?M Save money. Live better. Walmart® Credit Card Summary of Account Activity Previous Balance - Other Credits Credit Limit Available Credit Cash Advance/Quick Cash Limit Available Cash Statement Closing Date Days in Billing Cycle KELAH N STARNER Account Number: X315 Visit us at walmart.conVcredh Customer Service: 1-600-64IA526 $5,591.95 $5,591.95 $4,705 $0.00 $200 $0.00 11/12/2010 29 Payment Information New Balance $0.00 Minimum Payment This Period $1,742.00 Amount Past Due $0,00 Total Minimum Payment Due $1,742,00 Payment Due Date 11/14/2010 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 $35.00. '.. Tran Date Post Date Reference Number Description of Transaction or Credit Plan Type Amount 11112 11/12 F91120ON000999990 CHARGE OFF ($4,537.56) ACCOUNT-PRINCIPALS 11112 11/12 F91120ON000999990 CHARGE OFF ACCOUNT *FINANCE ($1,054.37) CHARGES` FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 11/12 11/12 INTEREST CHARGE ON PURCHASES $0.00 11/12 11/12 INTEREST CHARGE ON CASH $0.00 ADVANCES TOTAL INTEREST FOR THIS PERIOD $0.00 2010 Totals Year-To-Date Total Fees charged in 2010 $117.00 Total Interest charged in 2010 $665.43 The year to date information shown on this statement reflects a partial year, starting from the time the information first appeared on your billing statement. Interest Charge Calculation Your Annual Percentage Rate (APR)s the annual interest rate on your account. Type of Balance Expiration Plan Annual Percentage Balance Subject to Interest Charge Date Type Rate Interest Rate Regular Purchases & Cash NA REG 29.90% $0.00 $0., PAYMENT DUE BY 5 P.M. ( Tl ON THE D DATE NOTICE We may convert your payment into an electronic debit. See reverse for details, Billing Rights and other important information. 5404 eFH 1 5 12 101112 Z X PAGE 1 of 1 9112 3100 0,51 01CS5404 Detach and mail this portion with your check. Do not include any correspondence with your check. -I Account Num Walmart ar' ?, Total Minimum Amount Payment Due Oveedll nit w a ance save money. Live teeter. Payment Due Past Due Date Amount $1,74100 $0.00 11/14/2010 $0.00 $0.00 Payment Enclosed: $ [] [] ? [] a ? Please use blue or black ink. 1111111 New address or emali? Print changes on back. KELAH N STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065-1915 Make Payment To: WALMART/GEMS P.O. BOX 530927 ATLANTA, GA 30353-0927 Cusfomw ServicaUiestll For accountinformalion, please call thetoll free numberon the front of this statement. Unless your name is 9sted on this statement, your access to information on the account maybe limited. You may also mail questions (but not payments) to P.O. Box 981470, EI Paso TX 79898.1470. Please include your account numberonany correspondence you send to us Payments: Send payments to the address listed on the remittance portion of this statement or pay online Noti See below for your Billing Rights andotherimporlanlInformation. Telephonirjaboutbillinggerroswill notpreserve your rights under federal law To preserve your rights, plessewrite tool Billing Inquiries Address, P0. Box 981470, EI Paso, TX 79998-1470 Purchases, returns, and payments made1'usI prior to billingg date may not appear until next month's statement. When you provide a check as payment you authorize us either to use information from yourcheck td make a one-time electronic fundirensfer from your account orto process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds maybe withdrawn from your account as soon as the same day we receive =I payment, and you will not receive your check back from your financial institution. You may choose not to have your payment collected slaeally by sanding ytxrr aymeM t?Hh 1M payment stub), in your own envelope - not the enclosed window e..,.d...... .......a r... en e?..rororo n???_ .. What To Do ff You Think You Find A Mistaba On Your Statement If you think there is an error on your statement, write to us at GE Money Bank P0. Brix 981470 El Paso, TX 1999&1470 In your letter, gore us the following information: • Account information: Your name and account number. • Dollar amount The dollar amount of the suspected error • Description of Problem' If you think there is an error on your bill, describewhat you believe is wrong andwhy you believe its a mistake You must contact Us within 60 days alter the error appeared on your statement. You must notify us of any potential errors in writing You may call us.. but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistalle, youwill not have to pay the amount in question or any interest orotner fees related tothatamount. • While you do not have to pay the amount in question you are responsible forthe remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied Wi& Your Credit Card Purchases 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 with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made inyourhome state orwithin 100 miles of your current mail address, and the purchase price must have been more than 550, (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or five own the comparnythat sold you the goods orservloes ) 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 cardeccountdo not qualify 3. You must not yat have fully paid forthe purchase. If all of the criteria above are met and your are still dissatisfied with the purchase, contact us in wrffing at: GE Money Bank P0. Box 981470 El Paso, TX 79998-1470 While we investigate, the same rules apply to the disputed amountas discussed above After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Information About Pslmrerris, You may pay more dlan this Total MlnbrtunrPaymenf alanytime. Payments received after5:00 PM (ET) on any day will be credited as of the riled day Credit to your Account may be delayed up to for' days 'd payment (a) is nit received at the Payment Address, (b) is not made in U.S. dollars drawn an a U S financial institution located in the US., (c) is not accompanied by the remittance coupon attached to your statement, (d) contains more than one payment or remittance coupon, (e) is not received in the remittance envelope provided or l includes staples, paperclips, tape, a folded check. or correspondence of any type. ConditionalPsvmeni All written communcatidrsconcerning disputed amounts. including any check or other payment irstrumem that (i) indicates that the payment constitutes "payment in full" or is tendered as lull satisfaction of a disputed amount: or (ii) Is tendered with other conditions or limitations (Disputed Psymensi, must be mailed or delivered to us at P.O. Box 981470, El Paso, TX 79998-1470. Credits To YourAccount: An amount shown in parenthesis or preceded by a minus (-) sign is a credit orcreditbalance unless otherwise indicaled. Credits will he applied to your previctu balance immediately upon receipt, but will not satisfy any required payment that may be due. Credit Repots And Account Information: If you believe that we haw reported inaccurate information about you to a consumer reporting agency please contact us at P.O. Box 981471, EI Paso, TX 79988-1471 In dokg sou please identify the inaccuras information and tell us. why you believe 9 is incorred. If you have a copy of the credit report that Includes the inaccurate Information, please include a copy of that report We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on :tour account may be reflected in your credit report. Balance Su*d to Interest Charge Cakulation Method 2D (Dally Balance method): We figure the interest charge on your account by applying the periodic rate to the 'daily balance' of your account for each day in the billing cycle, We then add the interest to the daily balance. To getthe'daily balance" we take the beginning balance of your account each day (which includes unpaid interest), add any new charges, and applicable fees, and subtract any payments or credits. This gives us the daily balance. Any daily balance of less than zero will be treated as zero. A separate daily balance will be calculated for each balance type on your account. The balance(s) shown in the Interest Charges section of this statement is the sum of the daily balances for each day in the billing cycle divided by the numberof days inthebillingcycle. Method 2M (Average Daily Balance including current transactions): We figure the interest charge on your account by applying the periodic rate to the 'averagedaily balance" of your account. Togetthe'average dally balance' we take the beginning balance of your account each day, which includes any unpaid interest charges from the previous billing cycle add any new charges, and applicable fees and subtract any payments or credits. This gives us the daily balance. Then, we add up all the daily balances fa the billing cycle and divide the total by the number el days in the billing cycle. This gives us the 'average daily balance," which is the balance shown in the Interest Charges section of this statement, Any average daily balance of less than zero will be treated as zero A separate average daily balance will be calculated for each balance type on your account. Bankruptcy Notice: If you file bankruptcy you must send us notice. includingg account number and all information related to the proceeding to the Id lowing address: GE Money Bank, Atn Bankruptcy Dept., P0. Box 103104. Roswell, GA 30076. Your account Is owned and sa ini by GE Money Bank Nearing Impaired., TDD users call 1-800-444-1732. 01 CS5404 - 3 0612312010 This is an attempt to collect a debt and any information obtained will be used for that purpose. 'By providing a telephone number on youracoount, you consent to GE Money Bank and any other owner or serviced of your account contacting you about your account, including using any contact inforrialion or cell 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 if you are charged forthe call underyour phone plan. For changes of address, phone number and/or email, please check the tom and print the clvarrges below. Name Street Address City, State, ? PhZip one # E-mail HornePhone# 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 also gtva permission for us to shareyour email address to Walmart. Walmart.° M Save money. Live better. Walmart® Credit Card Summary of Account Activity Previous Balance - Other Credits New Balance Credit Limit Available Credit Cash Advance/Quick Cash Limit Available Cash Statement Closing Date Days in Billing Cycle KELAH N STARNER Account Number: X315 Visit us at walmart.com/credit Customer Service: 1-800-641-4526 $5,591.95 $5,591.95 $4,705 $0.00 $200 50.00 11/12/2010 29 New Balance $0,00 Minimum Payment This Period $1,74100 Amount Past Due $0.00 Total Minimum Payment Due $1,742.00 Payment Due Date 11114/2010 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 $35.00. Tran Date Post Date Reference Number Description of Transaction or Credit Plan Type 11112 11112 F9112GONCOD999990 CHARGE OFF ACCOUNT-PRINCIPALS 1 V12 11112 F91120ON0009999W CHARGE OFF ACCOUNT *FINANCE CHARGES' FEES TOTAL FEES FOR THIS PERIOD INTEREST CHARGED 11112 11112 INTEREST CHARGE ON PURCHASES 11112 11112 INTEREST CHARGE ON CASH ADVANCES TOTAL INTEREST FOR THIS PERIOD 2010 Totals Year-To-Date Total Fees charged in 2010 $117.00 Total interest charged in 2010 $665.43 The year to date information shown on this statement reflects a partial year, starting from the time the information first appeared on your billing statement. Amount ($4,537.58) ($1,054.37) $0.00 $0.00 $0.00 $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR)is the annual interest rate on your account. Type of Balance Expiration Plan Annual Percentage Balance Subted. to Interest Charge Date Type Rate Interest Rate Regular Purchases & Cash NA REG 29.90% $0.D0 $0.D0 PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE NOTICE We may convert your payment into an electronic debit. See reverse for details, Billing Rights and other important information. 5404 BFH 1 5 12 101112 Z X PACE I of 1 9112 3100 0251 01055404 Detach and mail this portion with your check. Do not include any correspondence with your check. -? V4.:1 e+ Account Number 315 Walmar. Total Minimum Amount Payment Due Overlimlt Now ante Save money. Uve better. Payment Due Past Due Date Amount $1,742.00 $0.00 11114/2010 $0.00 $0.00 Payment Enclosed: , ? ? ? ?? a ? ? Please use blue or black ink, 1111IN1111111 011 New address or email? Print changes on back. KELAH N STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065-1915 Make Payment To: WALMART/GEMB P.O. BOX 530927 ATLANTA, GA 30353-0927 CustanerServioe/QueWons: For account information, please call the toll free number on the front of this statement. Unless your name is listed on this statement,youraccessto information on the account maybe limited _You may also mail questions (but not payments) to P.O.Box 981470,EIPaso Tx 7911,11111-114 Pieaseinclude youramountnumberonanycorrespondence yousendtous Payments: Send payments to the address listed on the remittance portion of this statement or pay online Al ice: See below forycwrBillingRlghlsaridother importantlnformatfon Tekphoninggabout billinggerrors will not preserve your rights under federal taw To preserve your rights,pleasewdtetoourBilling Inquiries Address, P.O.Box 981470.EIPaso,TX79998-1470 Purchases, returns, and payments made Just prior to billingg date may not appear until next moniMa statement. When you provide a check as payment. you authorize us eitherto use information from yourcheck to make a one-time electronic funcitransfer from your account orto process the payment as a check transaction. When we use information from your check to make an electrome fixed transfer, frxda maybe withdrawn from your account as soon as the same day we receive yyoour payment, and you will not receive your check back from your financial inst ulion. You nary choose not to have your payment celNetad eNctronkally by d- - sen -u ding your r Payment ".ro' the payment stub), in Xour own envelops -not the enclosed window nAJ•ee..A ?.. e...neeMe - What To Do If You ThiMr You Rnd A Mistake On Your Statentenf If you think there is an erroron your statement, write to us at: GE Money Bank P0. Box 981470, El Paso, TX 79MB-1470 In your letter, give us the following information: • Account information: Your name and account numbor. • Doi amount The dollar amount of the suspected error • Desorption of Problem If you think there is an error on your bill, describewhat you believe is wrong andwhy you believe it is a mistake You must contact us within 60 days alter the error appeared on your statement. You must notify us of any potential errors in writing You may call us.. but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we Investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent onlhalamount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. Bud, if we determine that we made a mistake, you will not have to pay the amount in question or any interest orother fees related tothat amount. • While you do not have to pay the amount in question you are responsible for the remainderof your balance. • We can apply any unpaid amount against your credit limit. Your Rights It You Are DissadafTed With Your Credit Card Purchases If you are dissatisfied with the goods or services that you haw purchased with your credit card, and you have tried in good fadh to correct the problem with the merchant, you may ham the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true. 1 The purchase must haw been made in your hone state orwithin 100 miles of your current mailing address, and the purchase price must ham been more than 550, (Mete: Neither of these are necessary it your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods erservkes,) 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 yourcredit cardaccount do not quality 3. You must notyel have fully pad forthe purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wrilngaL GE Money Bank P0. Box 991470. EI Paso, TX 7M8-1470 While we irrvestigate, the same rules apply loins disputed amountas discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent, information Abort Payments: You may pay more dw the Toni MlnbnumPaynunt m anytimi Payments received afler5:00 PM (ET) an any day will be credited as of the red day. Credit to your Account may be delayed up to five days If payment (a) is not received at the Payment Address, (h) is not made in U.S dollars drawn on a U.S financial institution located in the U.S., (c) is not accompanied by the remittance coupon attached to your statement, (d) oontains more than one payment or remittance coupon, (e) Is not received in the remittance envelope provided or (f)includes staples, paper ckps,tape, afoldedcheck or correspondence of any type. Conditional Payments: All written communications concerning disputed amounts. including any check or other payment instrument that: (i) indicates that the payment consllules "payment in full" or is tendered as full satisfaction of a disputed amount: or (ii) Is tendered with otter conditions or limitations (Disputed Paymenti must be mailed or delivered to us at P.0 Box 961470, El Paso, TX 79996-1470. Credlrs To YoarAccount: An amount shown in parenthesis or preceded by a minus (-) sign is a credit or credit balance unless otherwise indicated. Credits will be applied to your previous balance immediately upon receipt, but will not satisfy any required payment that may be due. Credit Reports And Account tnlbrmatlon: If you believe that we have reported inaccurate information about you to a consumer reporting agency. please contact us at P.C. Box 991471, EI Paso, TX 79998-1471 In doing so.. please identifythe inaccurate information and tell us why you believed is incorrect. If you have a copy of the credit report that includes the inaccurate information, please include a copy of that report Wemay report information about your account to ore& bureaus. Late payments, missed payments, or olherdelauffs on youraccount maybe reflected in your credit report. Balance Sullied to Interest Charge Cakulatlon Method 2D (Dally Balance malhod): We figure the interest charge on your account by applying the periodic ratelothe "daily balance' of your account foreach day in thebilling cycle. We then add the interesno the daily balance. To get the 'daily balance' we take the beginning balance of your account each day (which includes unpaid interest), add any new charges, and applicable: fees, and subtrarl any payments or credits This gives us the dairy balance. Any dairy balance of less than zero will be treated as zero. A separate daily balance will be calculated for each balance type on your account. The balance(s) shown in the Interest Charges section of this statement is the sum of thedafiy balances for each day in the billing cycle divided by the numberof days in the billing cycle. Method 2M (Average Daily Balance including current transactions): We figure the interest charge on your account by applying the periodic rate to the 'awrage daily balance"of youraceounl. Togeldhe'average dally balance' we take the beginning balance of your acoourd each day, which includes any unpaid interest charges from the previous billing cycle add any new charges, and applicable fees and subtract any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the 'average daily balance,' which is the balance shown in the interest Changes sector of 'his statement Any average daily balance of less than zero will be treated as zero A separate average da ly balance will be calculated for each balance typeon youraocount Bankruptcy Notice: If you fie bankruptcy you must send us notice, including account number and all information related to the proceeding to the following address: GE Money Bank, Attu Bankruptcy Dept., P0. Box 103104 Roswell, GA30076. Your account is owned and serviced by GE Money Sank. Nearing tmpalred., TDD users call 1-8C0-444-1732. 01CS5404 3 01 This is an attempt to collect a debt and any information obtained will be used for that purpose. 'By providing a telephone number on youraccount, you corsentto GE Money Bank and any other owner or servicerof your amount contacting you about your account, including using any contact information or cell 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 if you are charged forthe call underyour phone plan. For changes of address, phone number and/or email, please check the box and print the changes below. Name Street Address City, State, O Ph Phone # E-mail Home Phone # Business Phone # 'Cell # or other phone #we Email Address can use to contact you By provdirg your email address, you agree to receive email communications about your account and also give permission for us to share your email address to Walmart. SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Portfolio Recovery Associates, LLC vs. Kelah Starner ?4???1+? of 4KtarG??f???G 2012 JUL -9 AM 8' 44 CUMBERLAND COUNT PENffitYLVANIA Case Number 2012-4103 SHERIFF'S RETURN OF SERVICE 07/02/2012 01:55 PM - William Cline, Corporal, who being duly sworn according to law, states that on July 2, 2012 i 1355 hours, he served a true copy of the within Complaint and Notice, upon the within named defends t, to wit: Kelah Starner, by making known unto herself personally, at 200 McLand Roa, Mount Holly Springs, Cumberland County, Pennsylvania 17065 its contents and at the sarr? ti handing to her personally the said true and correct copy of the same. //" -r ? WILLIAM CLINE, DEPUTY SHERIFF COST: $35.00 July 05, 2012 SO ANSWERS, RONN"Y R ANDERSON, SHERIFF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW ~~ ,=.~, '' -~d f'w Y 1-~~ ~ ~ "="1 PORTFOLIO RECOVERY ASSOCIATES, LLC ~~ ~ ~ ~~ ~a 120 Corporate Blvd ~ ~~ ~' ~,' ~ Norfolk, VA 23502 ~ ~ x„ Plaintiff No. 12 4103 ~ ~ v. ~ C -; ;- -~-e ~ .., a. KELAH STARNER --~ -- w" 200 MCLAND RD ~ `'' MT HOLLY SPGS PA 17065 PRAECIPE FOR DEFAULT i Defendant JUDGMENT I • I ! ! I III Filed on Be alf of Plaintiff ! i Counse f r cord for this Pa I --- Date: _ ~~~ ~ ~ Robert N. Polas, Jr., Esquir # 201259 ~- Carrie A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC ~ 120 Corporate Blvd Norfolk, VA 23502 (T)1-866-428-8102 (F)(757)518-0860 I Attorneys for Plaintiff i i I i I I ~~. d au~ i ~ ~ a a~~ ~ ~q~ ~~`~~i~; ~ ta~~ta~~r3taitic,tdtion is f-rc3r~r a ~iek7t cE>lfaeic~~~ ~> ttil ~ttcrnl3t tea ccxllcct a ci~;ht. ! ~ ~~ any r~~f~n-iaaatid;~n ~aht.ji~ic;d tui11 lac; uy~;cl tur that {3i~rpo~~. ~~,~ IN THE COURT OF COMMON PLEASE OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 Corporate Blvd Norfolk, VA 23502 Plaintiff No. 12 4103 v. KELAH STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 Defendant PRAECIPE FOR DEFAULT JUDGMENT Please enter Judgment in Favor of Plaintiff and against Defendant, KELAH STARNER ,for failure to answer the Complaint. (X) Amount Due $5,591.95 Less Credits $.00 TOTAL $5,591.95 (X) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to PA.R.C.P.237 (Notice for Final Judgment or Decree), I certify that a copy of this praecipe has been mailed to each other party who appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P.231.1, Icertify that a written notice of intention to file th' rae pe was mailed or delivered to the party against whom judg t s to be entered and his/b Attorney of record, if any, after the default occurred and at le t ten ays prior to the d e of filing of this praecipe and a copy of the notice is attached.` Date: Robert N. Polas, Jr., Esquire # 20125_ Carne A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T)1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff l.izi~ ~.x?i~~u~nur~ictttian is (~rarsr ~~ ~,lr~~t~t eollc~tor is an ~~lter~~}~t ~~3 ~:c~llect a ciei~st. ,~Yiy ialfor~~r<~tion obtained ~-vill 1?e ~~:~eci tar that purpose. _~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 Corporate Blvd Norfolk, VA 23502 v. KELAHSTARNER 200 MCLAND RD Plaintiff No. 12 4103 MT HOLLY SPGS PA 17065 Defendant NOTICE OF JUDGMENT (X) Notice is hereby given that a judgment in the above-captioned matter has been entered against you in the amount of $5,591.95, plus interest, on . ~ ~ r!~ (X) A copy of all documents filed with the Prothonotary in support of By: If you have any questions regarding this Notice, please cont~~e ~Iling party Date: ~ a3l~a' Robert N. Polas, Jr., Esquire # 201259 Carne A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T)1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff ~l~~l~~is i;{~i~~~~r~tu~ic~~tio~~ is Iro3~t~ ~i cic~t c~~llectc~r is ~~n ~~tlet~rht to cc+ilect a cl~-~t.. ;~~r~y infort~~ation «htai~~ed twill h~; r~~sed fir thz~t hurp«s~;. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCIATES, LLC . 120 Corporate Blvd Norfolk, VA 23502 No. 12 4103 Plaintiff v. KELAHSTARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 Defendant AFFIRMATION OF NON-MILITARY SERVICE The undersigned counsel, as attorney for plaintiff, herein affirms under the penalties of perjury that I am the Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge, information and belief, the above named Defendant, is over 21 years of age; is last known to reside at 200 MCLAND RD MT HOLLY SPGS PA 17065 and is not in the military service of the United States or its Allies, or otherwise within pro isions of the Service Members Civil Relief Act and its Amendments. Date: 11-93821 Robert N. Polas, Jr., Esquire, #201259 --~-'~~ Carrie A. Brown, Esquire, #94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T)1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff L ~,is c~.3rnniur~icati~~n is s:l tlel~t c«1(ectar ~ui~l i:~ ~~rz ~tttcrnpt t~c~ collc;ct s c3~l~t.. ~~~y~ ixll-ormat.ion {~bt.airfeil ~c~11 be ~t~ec{ ~o~~ t=pat pur~~ose. Department of Defense Manpower Data Center ~~t ~c~t~rf ~°u~°a~t tip erir~~aemrs t~il belief t Last Name: STARNER First Name: KELAH Midd(e Name: Active Duty status As Qfi: Au -1_g_,, 3-2012. r{¢strits as of _ Aulp1 a~2672 t15:f17:3G senA z.a Df1 AcWP Duty (Ns Act7ve Quty $1AtU£ pe19 .. . W . ~ ~~~ Actrvo Duly Start Daie ~ ~~ ,,_ _. ..... ._ Ae6ve Ouly EnQ Dale ~ StaWS Service Component NA ~ NA ~ _.._._._.__ .~._... cUA _..._..,._._...__ . this resparrse reHads the fndiv~als' ac:five duty itetus baar:d cn the Adiva Doty Status Once left Activs Duty wi,t><n 387 Days at Active [)•ky ShAus Oeta A«ea Ouly S art Daie _.. __ ____ _ ..____. _ _ AmUVe Duty ErK! Date _ ___ _~...._._.-..~__~. -- Statue "iernre GoeTyror»r i _~ ~.~_r.._ ..._._. .... .. .-..~._._... ...... ..m..__~_ _,. __.._ P~~ NA tto i NA This tsepans~e re8ac4s'aitere the indndduel left xclave JWy 3tutue wriMn S87 o~+ya preceding the.4atYve Duty Sintus Dgta The Marnbar or FiislNer Vnlt W ~ NpGtrotf pf s W lure Cwt-tJp is Active Dtety m AelNe Dory $faRis 1?als Order lvoMceh6on Start Bate ~d8r slargkeNoh End Uete 5f~ Service Campcment kA NA No NA This respoexse rertects whether tho IrWivid(lalor rrather unit hoe rece(xed e~Ay rwCYlc~tPan !o report ror ac9ve duty Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the stet of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps. Air Force, Nr7AA, Public Health, a Coast Guard}, This status includes information on a 5ervicemember or hlsitter unit receiving notification of future orders [o report. for Active Duty. Y~ ~a. ,G..~,-,~,~.-. Mary M. Snavely-Dixon, Director Department of Detense -Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 11-93821 The Defense Manpower Data Center (DAADC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data an eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civi! Relief Act {50 USC App. § 501 et seq, as amended) (SCRA) (formerly known a the Soldiers' and Sailors' Civil Relief AcY of 5940). DMOC has issued hundreds of thousands of "does not possess any Eniom~atian indicating that the i individual is currently on active duty" responses, and has experienced only a small error rate. in the event the individual referenced above, ar any family~i member, friend, ar representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to tt{r protections of the SCRA, you are strongly encouraged to obtain further verification of tits person's status by contacting that person's Service via the "defenselink.mil" URL http:llwww.defenseiink.miilfaq/pislPC09SLOR.html. i# you have evidence the person was on active duty far the aative duty status date and you fait to obtain this additional Service verificalion, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(x). This response reflects the following information: (1) The individual's Active Duty status. an the Active Duty Status Date (2) Whether the individual left Duty status within 367 days preceding the Acflve Duty Status Data (3}Whether the individual ar his/her unit received early notification to report for a duty on the Active Duty Status Date. Mare information on "Active Duty Status" Active duty status as reported in this certifcate is defined in accordance with 10 USC § 701(d) (1 ). Prior to 2010 only some of the active duty periods h than 80 consecutive days in length were available. In Che case of a member of the National Guard, this includes service under a Batt to aative service authorized by the President or the Secretary of Defense under 32 USG § 502(f) for purposes of responding to a national emergency declared by the Presiden# and supported by Federal funds. Att Active Guard Roserve (AGR) members must be assigned against an authorized mobilization position to unit they support. This includes Navy Training and Administration of the Reserves {TARs), Marine Corps Active Reserve (ARs) and Coast Guard Rese Program Administrator (RPAs). Active Duty stahas also applies to a Uniformed Service member who is an active duty cammissianed officer of the U.S. Public Health Service ar the National oceanic and Atmospheric Administration (NGAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Gases Coverage under the SCRA is broader in some cases and includes same categories of persons on active duty For purposes of the SCRA who would not reported as on Active duty under this certificate.. 5CRA protections are for Title 10 and Title 14 active duty racprds for all the Uniformed Services perio Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 50 USC § 1t35(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections.. Persons seeking to rely on this website certification should check to make sure the orders an vahich SCRA protections are based have not been amended to extend the inclusive dates of servi Furthermore, same protections of the SGRA may extend to persons who have received orders to report far active duty or to Foe inducted, but who have actually begun active duty ar actually reported For induction. The Last Date on Active Duty entry is important because a number of protections of the Si extend beyond the last dates of active duty. Those who could rely an this certificate are urged to seek qualified legal counsel to ensure that all riphts guaranteed ka Service members under the SCI are protected WARNING: This certificate was provided based on a last name, SSN/dafe of birth, and active duty status data provided by the requester. Providing erroneous information wilt cause an erroneous certificate to be provided, Certificate ID: 11 HMFKAPH2 PORTFOLIO RECOVERY ASSOCIATES, LLC Litigation Department 120 Corporate Blvd Norfolk, VA 23502 Telephone: 1-866-428-8102 Fax: (757) 518-0860 Hours of Operation: Monday through Thursday 8 AM to 11 PM, Friday 8 AM to 9 PM, Saturday 8 AM to 5 PM, Sunday 12 PM to 11 PM (EST) July 25, 2012 KELAH STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 11-93821 RE: PORTFOLIO RECOVERY ASSOCIATES, LLC VS. KELAH STARNER 12 4103 Dear KELAH STARNER: Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. ~° ~ I Sincerely, 1.. F t Robert N. Polas, Jr., Esquire Carrie A. Brown, Esquire Attorney ID# 201259/94055 Portfolio Recovery Associates, LLC 140 Corporate Blvd. Norfolk, VA Attorneys for Plaintiff Ti1is c~~l~~~n~tuzic<~tion is fr~.~7n a dcl~t collc~tor i~ ~~~ atte~n}~t to c~~~ilc~~t ~~ ti~~E~~. .~1n~~ i~:rl~~nnatiuE~ obtained ~~~ill ire ~,sc~l fc~r that. l~urpc~sc. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION -LAW PORTFOLIO RECOVERY ASSOCk~TES, LLC 120 Corporate Blvd Norfolk, VA 23502 . Plaintiff No. 12 4103 v. , KELAHSTARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 Defendant TO: KELAH STARNER 200 MCLAND RD MT HOLLY SPGS PA 17065 DATE OF NOTICE: July 25, 2012 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COUR YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM. THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY ~R OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFIC)~ 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 Ro`berf N. Polas, Jr., Esquire Carrie A. Brown, Esquire Attorney ID # 201259/94055 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff I it9S i°t~i1t371t113ii~t-111(?l1 I!; ti(~CT~l 2l ~~c"~?l C4?i~cCl!?i~ i`+ i13 <itt~lllj?r i{~ _'~~)~c'Cl ~! t{{:`1,~{. ~~tw uati~rn~ati~m ~~(i~air~eci ~-vill he u~eci f~~r thta puz~~~;~:c.