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HomeMy WebLinkAbout12-4675Robert N. Polas, Jr., Esquire PA liar # 201259 Carrie A. Brown, Esquire PA Bar # 94055 Portfolio Recovery Associates, LI.C 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. IC, 76 75-,c? 1 c-, -? ', :r cnr' N ?? V. JOSHUA D HUSLER 620 GREASON RD CARLISLE PA 17015 Defendant NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action withing twenty (20) days after this Complaint and Notice are served, by entering a written appearance, personally or by an attorney, an filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice of any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service - CUMBERLAND County Bar Association Court Administrator 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Pennsylvania Lawyer Referral Service (800) 692-7375 1-()-3 S p d Ply ce-16 i yr7 vy 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. JOSHUA D HUSLER 620 GREASON RD CARLISLE PA 17015 Defendant NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o obejciones a las demandas puestas en esate contra usted. usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. ust:ed puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS ELGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Lawyer Referral Service - CUMBERLAND County Bar Association Court Administrator 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Pennsylvania Lawyer Referral Service (800) 692-7375 i'l-lis conlmunicatiort is from a debt collector anal is an attempt to collect a debt. ray it formation obtained w ill be used K)r 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. JOSHUA D HUSLER 620 GREASON RD CARLISLE PA 17015 Defendant COMPLAINT Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 140 Corporate Blvd., Norfolk, VA 23502. 2. Defendant JOSHUA D HUSLER, is an adult individual with last known address of 620 GREASON RD, CARLISLE PA 17015. 3. It is averred that Defendant was indebted to CHASE BANK USA N.A. / HERITAGE CHASE on March 4, 2005 with account number ************7847 (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. 5. At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and/or for obtaining services. hi; communication is from a debt collector and is aii attempt to eollcct a debt. \ny Irfl? ortrtation btallicd will be used f6t, dint pu1-110sC. 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 December 23, 2009. Plaintiff is the purchaser, assignee and/or successor in interest CHASE BANK USA N.A. / HERITAGE CHASE and Plaintiff is now the holder of the Account. A true and correct copy of the affidavit is attached hereto and collectively marked as Exhibit "A." As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of $1,361.44. 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, JOSHUA D HUSLER, in other relief as the Court deems just and reasonabl 12-21053 of this action and any I his communication is from a de()t collector and is ail attempt to collect it debt. Any inf6rrnat:ion obtaM d Will be DISC{1 fol'that PL1rl) S . Robert N. Polas Jr., Esquire # 201259 Carrie A. Brown, Esquire # 94055 VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Anata Bralr 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 2 8 2012 _ By: ?Ztiaa rnta ray Custodian of Records 12-21053 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: ************7847 JOSHUA D HUSLER Account Holder: JOSHUA D HUSLER. 620 GREASON RD CARLISLE PA 17015 Consumer Account Issuer: Assignee: Account Number: Date Account Opened: Date of Last Payment: Date of Charge Off: Balance at Purchase: Purchase Date: Product Code: VISA CHASE BANK USA N.A. / HERITAGE CHASE Portfolio Recovery Associates, LLC ************7847 March 4, 2005 December 23, 2009 August 31, 2010 $1,361.44 February 16, 2011 Balance at Charge-Off. $1,361.44 Less Payments: $.00 Balance Due: $1,361.44 12-21053 CHSK36 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, _ Anita Bray , Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: I am competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC, ("Account Assignee") which is doing business at Riverside Commerce Center, 140 Corporate Boulevard, Norfolk, Virginia. I am familiar with the policies and practices, as well as the books and records of Account Assignee with respect to the matters stated herein. This affidavit is based upon my personal knowledge of Account Assignee's record keeping system and my review of Account Assignee's records, including a review of the business records transferred to Account Assignee from CHASE BANK USA N.A. / HERITAGE CHASE ("Account Seller"), which have become a part of and have integrated into Account Assignee's business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller's interest in such account having been sold, assigned and transferred by the Account Seller on February 16, 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 JOSHUA D HUSLER ("Debtor") to the Account Seller the sum of $1,361.44 with the respect to account number (************7847), as of August 31, 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 $1,361.44 as due and owing as of the date of this affidavit. Portfolio Recovery Associates, LLC BY ni a braT , Custodianof ecords Subscribed and sworn to before me on _-J-Ugt2 8 2012 , 2012 Nr.:'y ? i?iC ? Notary Public ?? 726 12-21053 j..his c:0s1u11till ication is from a debt collector and is an attempt to collect a debt. \nY isit6rnnat,on obtained wi.I be used for that purpose. CHASE O BILL OF SALE Chase Bank USA, N.A. ("Seller"), for value received and pursuant to the terms and conditions of Credit Card Account Purchase Agreement dated December 10, 2010 between Seller and Portfolio Recovery Associates, LLC ("Purchaser"), its successors and assigns ("Credit Card Account Purchase Agreement"), hereby assigns effective as of the File Creation Date of February 11, 2011 all rights, title and interest of Seller in and to those certain receivables, judgments or evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes. Amounts due to Seller by Purchaser in hereunder shall be paid U.S. Dollars by a wire transfer to be received by Seller no later than February 16, 2011 by 2:00 p.m. Seller's time, as follows: Chase Bank USA, N.A. Beneficlarv Name: Chase Bank USA, N.A. This Bill of Sale is executed without recourse except as stated in the Credit Card Account Purchase Agreement to which this is an Exhibit. No other representation of or warranty of title or enforceability is expressed or implied. Chase Bank USA, N.A. By: i -- Date: February 11, 2011 Title Authorized Signatory Portfolio Recove As oci es, L.L.C By, Date: .2 ?t 1 / 1 Title 46/, t J40 6r1l ck./- cVk3 r.3(p ..%-a 70''arcP Past Due Amour' h'inimum Payment L-i488A0-? t $573.000 Account number: 7847 1 t Make your check payable to: Chase Card Services. Please write amount enclosed. New address ore-mail? Print on back. 847 A0061 !3FX Z "1"2910 D JOSHUA D HUSLER 620 GREASON RD CARLISLE PA 17015-9478 Inrl?jwll?nuul?rlrlrlrlnrlullrnllnlurlrlllnnllul Inrlllrlnlulrlnln?lnrlrlunllrlrlurllrrlrlnr?Inllnl CARDMEMBER SERVICE PO BOX 15153 WILMINGTON DE 19886-5153 -0 7`19 L. ? I s l ate IQ Manage your account online: Additional contact Information from CHASE 0 v-nv-y chase_corn/cwli cards conveniently located on reverse side ACCOUNT SUMMARY -? Account Number: 847 Previous Balance $1,289.07 Fees Charged +$39.00 Interest Charged +$33.37 New Balance $1,361.44 Opening/Closing Date 07/14110 - 08/13/10 Total Credit Line $1.300 Available Credit $0 Cash Access Line $780 Available for Cash $0 PAYMENT INFORMATION New Balance $1,361.44 Payment Due Date 09110/10 Minimum Payment Due $573.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay up to a $39.00 late fee and your APRs will be subject to increase to a maximum Penalty APR of 29.99;6. 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 payoff the And you will end up additional charges balance shown on paying an estimated using this card and this statement in total of... each month you about... pay... Only the minimum 18 years $4,349 payment If you would like information about credit counseling services, call 1-866-797-2885. The outstanding balance on your credit card account is scheduled to be written off as a bad debt shortly. As a result, your credit bureau will be updated with a negative rating that could last for up to seven years. We can still help, but you need to call us now at 1-888-792-7547 (tolled 1-302-59"200). Important Message: You Are Over!imit! Your statement balance exceeds your credit line. You should make a payment that includes the ovedimit amount to bring the balance under your credit line. This account is closed and not available for new transactions. If there is a balance please continue to make payments by the due date. ACCOUNT ACTIVITY Date of Transaction Merchant Name or Transaction Description $ Amount 0810 LATE FEE ------ 00 t TOTAL FEES FOR THIS PERIOD $39.00 TW' Od/13 PURCHASE INTEREST CHARGE 33.37 TOTAL INTEREST FOR THIS PERIOD $33.37 Total fees ;harged in 2010 $273.00 Total interest charged in 2010 $192,98 Year-to-date totals reflect all charges minus any refunds applied to your account on or after January 31, 2010. This Statement is a Facsimile - Not an original X01x10001 FIS33338 010 000 N 2 13 10109/13 Page 1 f2 06508 MAMA 50061 225100001001x15006101 Address Change Request Please provide information below only i'the address information on front is incorrect. Street Address: - - - - - - - - - - - - - - - - ----- City: -------- State: -- Zip: - Home Phone: --_ --- - - - - Work Phone: --- --- E-mail Address: ------- ---------------------- To service and manage any of your account(s), we, our representatives, JPMorgan Chase representatives, and/or affiliates, may contact you at any telephone number you provide to us. Please refer to your Cardmember Agreement for additional details about the use of your personal information L and/or visit our website shown below to provide us with additional contact information. To contact us regarding your account: By Telephone: © In U.S. 1-800-945-2000 ' Espanol 1-888-446-3308 Send Inquiries to: Mail Payments to: Visit Our Website: TOO 1-800-955.8060 Pay by phone 1-800-436-7958 P.O. Box 15298 P.O. Box 15153 vM^N,chaSG cam/creditcards. Outside U.S. cell collect Wilmington, DE 198505298 Wilmington, DE 19886-5153 1-302-594-8200 Information About Your Account Cndiling Of PaYMams: YOU may make Payments by wry of the optans gated below. The amount of your payment S.wOU d Mat least Your Minimum payment due, payable in U S. dolas and drawn or Payable thrcngh a Us. Rwndal trial order or fie u.& bul of a foreign Iuhn i lal Institution, Yo I may makn paym errs by regular U.S. mail. send your payment m fro Payments address shown on this SU,cr nt. Your payments b5' mail must comply with the instructions on Illls St'alenlenl. Oo not ,,it aaSh. Write Your A"Ount. number on your check or money order. Payments must be accompanied by trio payment coupon in the envelope provided with Our address visible Illim the swelope Mndow', the amvelcpe cannot contain more Mom one payment m coupon: and there can be no ,eianhes, Pacer clips, tape or gxse5pordence Ineludeo with your payment It your payment Is In accordance will! our pay mand hfalochops and el made auailaole to us sn any day M 5:00 p. m. Iccai time al cur Paynznts address on this MelemeM, v:e writI trod ,t 1::^o pay-nand to your Account as of autday. flynar paymem is In acrwnlance wim nor peymnnt Instructions, hot is mane avagaMe To us OUT 5 00 P. m. Instal #me al the Payments address a! this statement, we win credit if to your Account as of the next calendar day. Yo j may make payments eledroNCalay through borwebste shown on this statement. It we receive yowr completed recuestar co, wehste by 5 p.m. Eastern Time, we will pred'1 your paymem as of that day If we reCCVe your reoueal alter 5 p m. Faslenl Time, we v..rf credit your payment as of the mart caendar day, .f you specify a Icture dalC in your' request we Will cradd YOU, payment 15 Of 110 day rOr all ol"er payments of for any payment type above fa writer you do not `allow nor payment I nstructions, crediting of your reymel may the delayed for up to 5 days. Account Information Regated 10 Credit Bdmaw.. We may repot informathun about your Acccum to credit bireaus. fate payments, missed payments or otlrer delaults an your Account may the reflected In your credit report. It you Think we have reported iaCCUr1E information to a orsdit burau, YOU may wide To US at the'orol rle5 address shown on this statement. To Se rvire mad Manage Any of Your AccoarI We, or:r representallyes. JPMorgan Chase rein!! emulives, whi rdittates, lay contact you at any telephone number yon Plovlde to LIS. Please hater to your Cardmember Ag'aement for additional details about the use of your personal information, Notice About Electronic Cheek Cemmnhl, When you pay by check you authorize LL5 ether to Jse inf0maann loran your dhel to makin a me-Tme I, enrol lc turd tranSler f'Om Your account Or to Porml the payment a5 a check transaction. When vn use infunnation front, ymwr chat fo make an electronic fund transfer, funds may Ce withdrawn Isom your account as saoh as to. mmo City we, at. your payment, and you will not receive your creek back from your Travel institution. Cad the Corson- Service numatr on this statement it you have ouestioes about electronic .luck wllection or do not want your payments collected electronically CuedlROOAI Payments: Any payment check 0r otlrer form of payment that you send us for less than tie lull balanpe die that is marked'Pat in lull" a contains a similar ooth-hum, pr that you Otherwise lermar in lug satisiacaor Of a drsauted amount mull ne sent to Card sera m, PC) Box 15049, Wlkninglan. DE 19850-5049. We reserve all our rights regarding these payments ?e.g.. I it a determined there, Is no vatic dispute or ( any such check ..a received at any other address.. we may accept The check and you wit still owe any remaining balaw!;. We may refuse to accept any such payment by retuning it to you. not USMhg it or destral if. All Amer payments that you make SmOUIC be as tp the regular Payment address shown on this statement. Annual Renewal Nmara: It your Account Agmemert loss au annual mambdrship lee ,nm ilor similar !.merge lot iasnance or availabwruy rat your acmunl. it wilt be oilled each vaster in moillmy or quarterly instalmeas. This tee anyu charge are owed wl.amer or o0! you use your Account, afd you agree to pay them when billed. The annual fee and charge are non-refurdab:e unless you mi is that YOU wish to close yti account with n 30 days or one lilting cycle initial is less) aver we provide the Statement on which the annual lee a charge is bill and at the safrle tint, you pay vour outstanding balance in full. If you do this, for a carpe balled mora often ttas annually such as a morrdhiy service charge, yno wle nor awe the last alled charge; hawave, Prior billed -lung. era nmwetundable and mend it Paid as all of paying your outianding batsnce In full. Your paymom of the annual tee or charge does not ::Item our rights to close your Account and to emit ymur right m make bansaftlora an yam Account if your Account is closed by you a us. we. will continue to impose the annual fee wtor charge will you pay your outstanding balance iU full and terminate Your Account relations alp Calculation of Rali nce Suited le Interest Ra%: TO hill your penodhe interest Ca 19. lot each billing cycle whan a daily penodic sI apples, we use IM daily tatall. meamd (including anent 1-adicas), To figure your periodic interest charges to, each billing cyCta venal a -ihly periodic tale(s) applies, we use rile average daily tufance method Including torten- formal tons) . For an uplaWfpn of ailher method, or questions about a pal invest charge m1culation on your Statdment. plans" Tail IS at the roll free customer WN:m phone number listed above. We eau lale oarID& iTROreSt charges. psing the applicable periodic rates shown pt, th a sfalement separately for each Whole ta.g., p¢Ibnoe transfer chacks and cast, udvshce checks ("check Irm-trun'), purchases, balanue bere,"ers, cash advances. promotional halanres or overdrutl advaill There ralculatimre nay combine different categories with he safrle pwrmdlT rtes. Vat -We slits will vary evlth the market based on the Prime Rate for such Index descadhe•J in VOL, Accoarl Zrsemen0. There is a minim and intere5l merge Of S1.50 for such amount deser!bed in your Account Agreement) r any bilirg cycle no which You Oliver any periodic rPresl charges, and a hansaclion nee for each balance treater, crib advance, or check hansaclion, in the U,.-,IS stated in your Ar-ul Agreement, as it may be amended. Timre Is a foreign tramseticn Tau of 3% mf the Il S dollar avmutm o,, any foreign oarol On (o such amount described in your Account Agreenanr). How to Avoid Paying trial on Purchases. We begin as5e5sirg periodic interest charges on a transacatxh, fee, or interest charge from the dais it Is added to your dairy osailm until your Account is pail in fill. as described in your Account Agteirl Your due data will be a minimum of 21 days blueing me close of each Itifil cycle. Ynu can avoid pEPpdic inta l charges on mw;ntfchaces when they err, ITS, to led to a statement as described below, but this does not apply m balance transfers, cash advances of overdraN advariss. it you receive a current monthlystaletnent that Includes new purchases and Make a payment that" receive by the day and iime the Minimum Payment is due for that statement, we w81 not charge periodic interest an any pfgilOn Of those new purchases trial we allocate such Payment to. so long as 11 your current statement also snows ghat we re brinui payment of ins ending full for your previous monM's statement by the cafe ,it time as Minimum paymem was due OR 2) that the 3nding oalance to, year iseviaub rOOnthS sfatMOM was tarp, If you two a balance minor than a purchase Oaurom and that balance carries a higher perMdhc Interest sae, you May not be able to avoid pe,li chum st r,-hwges no new purchases if you do not pay your balance in lull each month, beeUr a we generally allocate payments Brat to the holance with the hlghesl (price ic'interest ram. What TO Do it You Think Yom find A Mistake De Year Statement I you think [here is an error or your statement, write to us or, a separate Thiel at Customer Sauice, P.O. Box 15299 Wilmington. DE 1985D-5199. if your letter give us the following ink,iration: • An Aural ir!omatlo^: Your ;lame and Account number. • Dollar amount: Toe dollar amour: of the suspected error. • Description of P!oolm II you think mere IS an sour On. your bill, describe what you believe Is wrong and why you be:le , it is a mistake, Yuu must contact us .thin 60 days 11 11. error appunnd on yon, scatmo n,t You must notify US Of any po;e^:Tlal errors let willing. you may call bsl bill :1 you do wer are not repaired to lMesilgate any potential errors and you may have 10 pay the amount in aUostion. While we InveMlgale wie[her or -1 there..ias hm an error. me following are t tie. • We cannot try t , co leCl the amount in question, a rePOttyOU as degrgmm on that amount • The drugs in queshnp they !amain on your 9WWMlal, and wo may cceeoue In charge you :merest. cn that amount. But if we cetemine lhn we made a mistake. you will not have to pay me atncmnt to quESticm or sty interest or Other ICES related to that am WM. • WMIe VOL do not have to pay the amount in question, you are resporrel for the remainder of your halaree. • We tali apply any unpaid amount against your credit burt. You Rights If You Are Discatiatied With Your Credit Card Pen dow ee It you am dissatisfied w1ch the goods Or sarolms that You have purchased with your credit card and you nave tned ill good laith to corfecl Ile emblem wim Ilia mercnant. YOU may hi the 6IN not to pay the remaining wito,t due on Ire purchase. TO use foie I'Igm. all it ins followl ig MUST be trite'. 1. The purchase .,.or have teen made I. you In mn atdte ra within loo miles of your current Al llkhp address, and ate purchase price must have bean more fill $50. (Noce: Neither of these are necsssary if your purchase was based on an mvenisemam we mated 10 you r a t we Clan The COmpany mal See you the goods or serome.) 2. Yuu must nave used your credit card fa the pun:hase. Purchases Mate vri[h cash advances from an ATM or with a check that accesses Your credit card Account do not Goal fy. 3. le. must not vet have fully paid for the purchase. It all n Re offer IS above are me' arm your am still Bisset tied with Ina purchase, canted us in willing at Customer Service, Po. Box 15299 Wlrr Ill OF 19850-5299: While we investigate, the same rules apply to the disputed amount as discoull above. After vie finish Our Investigation. we wall tell you our decision. At that point. it we think you iw,re an amount or, you doubt pay we may report you as dv.!ingwmt. MA6292010 Statement Date: 3110 Account Number: B47 of 2 INTEREST CHARGES Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Percentage Rate (APR) Balance Subject To Interest Accrued Type 31 Days In Cycle Interest Rate Charges Interest Charges Purchases 29.99%(v) $1,310.12 $33.37 $0 00 Cash Advances 29.99% (v) $0.00 $0.00 . $0 00 Balance transfer 29.99% (v) $0.00 $0.00 . $0,00 (v) = Variable Rate Please see Information About Your Account section for the Calculation of Balance Subject to Interest Rate, Annual Renewal Notice How to Avoid Interest on Purchases, and other important information, as applicable. This Statement is a Facsimile - Not an original X 0000001 FIS33338 D 10 000 N Z 13 10/08/13 Page 2 of 2 06598 MAMA 50061 22510000100005006102 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor brr?444 OT# 0??? AUG (-3 10: 05 CUMPEfil AM) G Uljpt PENNSYLVA 1A Portfolio Recovery . Associates, LLC vs. Joshua D. Husler Case Numbi 2012-4675 SHERIFF'S RETURN OF SERVICE 07/30/2012 01:30 PM - Bryan Ward, Sergeant, who being duly sworn according to law, states that on July 30, 201 at 1330 hours, he served a true copy of the within Complaint and Notice, upon the within named defenda t, to wit: Joshua D. Husler, by making known unto himself personally, at The Cumberland County Sheri s Office, 1 Courthouse Square, Room 303, Carlisle, Cumberland County, Pennsylvania 17013 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $34.00 August 01, 2012 BRYAN D. WAPD, DtPUTY SO ANSWERS, -- '-24 ? 1? RON R ANDERSON, SHERIFF i( ) Cei-ntyS:ntF She'iff , rl_ ersoft. Inc.