HomeMy WebLinkAbout12-6103Robert N. Polas, Jr., Esquire PA Bar # 201259
Carrie Brown, Esquire PA Bar # 94055 rl -'~ ~ ~~j~ } ~:;
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Mark R. Garvey, Esquire PA Bar # 312686 ~
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Portfolio Recovery Associates, LLC
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120 C
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orpora
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Norfolk, VA 23502
TELE: 1-866-428-8102 ~~i~~t~~~i~.Q~t7 C~~~~~~
FAX: (757) 518-0860 ~~~~S~~
VI~H(Q
Attorneys for Plaintiff .
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL ACTION -LAW
PORTFOLIO RECOVERY ASSOCIATES, LLC
120 CORPORATE BLVD
NORFOLK, VA 23502
Plaintiff,
v.
BRENDA L WELLS
1211 EDINBURG CIR
NEW CUMBERLAND PA 17070
Defendant.
NOTICE
No. I
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 maybe 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
12-24086
Carlisle, PA 17013
(717) 249-3166
Pennsylvania Lawyer Referral Service
(800)692-7375
s
Q~~ ~io3.~s~d a
(~C,-1t ~ 3 I l~(.
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
Mark R. Garvey, Esquire PA Bar # 312686
Portfolio Recovery Associates, LLC
120 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
120 CORPORATE BLVD
NORFOLK, VA 23502
Plaintiff,
v.
No. I a. ~' ~~ ~V( t
BRENDA L WELLS
1211 EDINBURG CIR
NEW CUMBERLAND PA 17070
Defendant.
nrnTr~re
USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas
en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda
y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por
escrito con la Corte sus defensas o obejciones a las demandas puestas en esate contra usted. usted es advertido
que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por
la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo o alivio
solicitado por Demandante. usted puede perder dinero o propiedad o otros derechos importante para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN
ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA
PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO.
SI USED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE
INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS
ELGIBLE AQ UN HONORARIO REDUCIDO O GRATIS.
Lawyer Referral Service -CUMBERLAND County Bar Association
Court Administrator
32 South Bedford Street
Carlisle, PA 17013
(717) 249-3166
Pennsylvania Lawyer Referral Service
(800) 692-7375
12-24086
"Chic cammttnication is front a debt collector at~d is an attempt to collect a debt.
r~ny information obtained ~~~i11 be used fot° that put°pose.
Robert N. Polas, Jr., Esquire PA Bar # 201259
Carrie Brown, Esquire PA Bar # 94055
Mark R. Garvey, Esquire PA Bar # 312686
Portfolio Recovery Associates, LLC
120 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
120 CORPORATE BLVD
NORFOLK, VA 23502
Plaintiff, No.
v.
BRENDA L WELLS
1211 EDINBURG CIR
NEW CUMBERLAND PA 17070
Defendant.
COMPLAINT
1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with
offices located at 120 Corporate Blvd, Norfolk, VA 23502.
2. Defendant, BRENDA L WELLS, is an adult individual with last known address of 1211
EDINBURG CIR, NEW CUMBERLAND PA 17070.
3. It is averred that Defendant was indebted to CHASE BANK USA N.A. /HERITAGE BANK ONE
on October 10, 2006 with account number ************4727 (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.
"l~-his c«tnn~ultication i~ from a debt col.lecto.r and is an attet~lpt to collect a debt.
~~ny information obtaitled gill be used for that purpose.
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 August 28, 2009.
8. Plaintiff is the purchaser, assignee and/or successor in interest CHASE BANK USA N.A
HERITAGE BANK ONE and Plaintiff is now the holder of the Account. A true and correct copy
of the Plaintiffs verification is attached hereto and collectively marked as Exhibit "A."
9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's
Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of
$1,358.83.
l O.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 ' fav r of
Plaintiff and against Defendant, BRENDA L WELLS , in the amount $ ,358.83, plu costs f this
action and any other relief as the Court deems just and reasonabl
12-24086
Carrie A. Brown, Esquire, # 94055
Robert N. Polas, Jr., Esquire, #201259 ~/
Attorneys for Plaintiff
'l~his cctmn~ru~ication Is :tronl a cfel7t collectat• and is an attempt to collect a debt.
r~lny infr~rmatian c+btained will be aced for that purpose.
VFiiIFtfAT10N
(To be used by a person associated with the present creditorl
I, r panda Shjpmnn-Walker ,hereby verify that:
1. I am employed by Portfolio Recovery Associates, LLC as Custodian of Records and am authorized to
make this Verification on behalf of Portfolio Recovery Associates, LLC. Portfolio Recovery Associates,
LLC is the successor in interest to CHASE SANK USA, N.A. /HERITAGE BANK ONE.
2. 1 reviewed the following [ ](a) computerized documents; [ ](b) hard copy documents; and [x] (c) other
(specify)Account Records relating to Account number: ending in 4727. The foregoing Account of
CHASE BANR USA, N.A. /HERITAGE BANK ONE was opened on 10/10/2006 in the name of
BRENDA L WELLS. The accounts/documents that 1 reviewed were produced by CHASE BANK
USA, N.A./HERITAGE BANK ONE.
3. Based on my review of the foregoing documents, there is due and payable the principal sum of
$1,358.83. This sum includes the following (check all that are appropriate): (x] interest; [x] late fees; [
] collection fees; and [x] any other additional fees permitted under the terms of the agreement with
the debtor named in paragraph 2 above and CHASE BANK USA, N.A. /HERITAGE HANK ONE.
This sum does not include the following (check all that are appropriate): [ ]interest; [ ]late fees; [x]
collection fees; and [ ]any other additional fees permitted under the terms of the agreement with the
debtor named in paragraph 2 above and CHASE BANK USA, N.A. /HERITAGE BANK ONE.
4. Based on my review of the foregoing documents, there are no payments that have not been credited.
5. The facts set forth in this Verification are true and correct to the best of my knowledge, information
and belief. This Verification is made subject to the penalties for making an unsworn falsification to
authorities in violation of 18 Pa. C.S. §4904.
SEP 0 5 2012
DATE
12-24086-5326
EXHIBIT A
"phis c<:~mnlua~ication is :front a debt collector and is an attempt tc:> collect a eiebt.
Any information obtained ~~~iil be used for that purpose.
PORTFOLIO RECOVERY ASSOCIATES, LLC
120 Corporate Blvd
Norfolk, VA 23502
Telephone: 1-866-428-8102
Fax: (757) 518-0860
Statement of Account
Account: ************4727
BRENDA L WELLS
Account Holder:
BRENDA L WELLS
1211 EDINBURG CIR
NEW CUMBERLAND PA 17070
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 BANK ONE
Portfolio Recovery Associates, LLC
************4727
October 10, 2006
August 28, 2009
September 30, 2010
$1,358.83
March 16, 2011
Balance at Charge-Off: $1,358.83
Less Payments: $.00
Balance Due: $1,358.83
12-24086
CHSK63
This communication is from a collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
CHASE ~
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 Ageement"), hereby assigns effective as of the File Creation Date of March
11, 2011 all rights, title and interest of Seiler in and to those certain receivables, judgments or
evidences of debt described in Exhibit 1 attached hereto and made part hereof for all purposes.
Number of Accounts
Total Unpaid Balances
Premium
Due Seller
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 March 16, 2011 by 2:00 p.m. Seller's time, as follows:
Chase Bank us4, N.A.
ABA
Beneficlary Name:
Beneficlary Account:
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.
By:
Date:
Title
March 11.2011
Authorized Si atory _
By:
Date: v ~/~ ~
Title iy~~r~'i ~~J p~~~~
CNSK63
Payment Due Date New Balance Past Due Amount Minimum Payment
10/19/10 $1,355.83 $472.00 $544.00
Account number: 727
Make your check payable to:
- - ~ Chase Card Services.
Please write amount enclosed.
New address or a-meil9 Print on back.
_4727
064148IX926510D ~IIiI IIIIIIII 111'IIf III'lll'III II IIII~1'l ll 1'111 I~IIIIIII'111I
MS BRENDA L WELLS
1211 EDINBURG CIR CARDMEMBER SERVICE
NEW CUMBERLAND PA 17070-2249 PO BOX 15153
WILMINGTON DE 19886-5153
Ilil'I'111"II 111111/ ~Itllll~l'll 11'11 111'1'// 111"11 /~llllltl
72?
CHASE O
freedoms ® Menage your account online: Addhlonal contact information
www.chase.comlcndkcerds conveniently kxated on reverse aide
ACCOUNT SUMMARY
Account Number:-4727
Previous Balance $1,300.22
Fees Charged +$25.pp
Interest Charged +$33.61
New Balance $1,356.63
Opening/Closing Date 08!23110 - 09/22/10
Total Credit Line $1,000
Available Credit $0
Cash Access Line $1,000
Available for Cash $0
PAYMENT INFORMATION
New Balance $1,358.83
Payment Due Date 10!19/10
Minimum Payment Due $544.00
Late Payment Wamtng: IT we do not receive your minimum
payment by the date listed above, you may have to pay a late fee of
up to $35.00 and your APR's wiN be wbJed to Increase to a
maximum Penalty APR of 29.99%.
Minimum Payment Wamtng: If you make only the minimum
payment each period, you will pay more in interest and it witl take
you longer to pay off your balance. For example:
M you make no You will pay olf 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 $4,378
payment
If you would like information about credit counseling services, call
1-866-797-2885.
The outstanding balance on your credit card alxxwM is scheduled to be written off as a bad debt shortly. As a rosutt, your credft
bureau will be updated with a rlegetive rotlng that could last for up to seven years. We can still help, but you need to call us now at
1-888-792-7547(cdlectl-302-594.8200).
Important Message: You Are OveAimit!
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 no bnger available for use. if you have a balance remaining on the account, please continue to make
mouthy payments by g3e due date. Thank you.
CHASE FREEDOM: ULTIMATE REWARDS SUMMARY
Provlous points balance p Eam an uMimiled 1 % cash bade on all your
Pdnts earned on purdtases p purdlases. You'll earn a total of 5% Cash Bade
Baron pokrts from Ultimate Rewards Trevel 0 in quartery bonus categories that change.
Bonus pokKs earned at UMimate Rewards Mall 0 SignQrg up is free and easy/ 5% Cash Beck
Current prints balance p categories are subject to a quarterly mexirlwm.
See fill details at dtase.com/heedom.
Get 5% Cash Back on up to $1500 spell between July 1 and September 30, 2010 on Gas, Airlines, Auto Rentals, and Hotels. See
fuN details and sign up today at dtase.conl/heedoml
ACCOUNT ACTNITY
Date of
Transe9dion Merchant Name or Transaction Description $ Amount
09/19 LATE FEE - ,_ ~ 25.00
TOTAL FEES FOR THIS PERIOD §25.00
09/22 PURCHASE INTEREST CHARGE 26 07
09/22 CASH ADVANCE INTEREST CHARGE g 54
TOTAL INTEREST FOR THIS PERIOD $33.61
(1000001 FIS33338 O 13 000 Y 9 Yl 10/09l~ Page 1 of 2 05686 AAA MA 06414 28510000130000641401
J( 0069
Address Change Request
Please provide information below only if the address information on front is incorrect.
Street Address: -----------__--
City:
State:
Zip:
Home Phorte: --- --- ---- Work Phone: ---
E-mail Address: -----------------------------
To service and manage any of your account(s), we, our representatives, JPMorgan Chase
representatives, and/or affiliates, may contact you at any telephorte number you provide to us. Please
refer to your Cardtttember Agreement for additional details about the use of your personal information
and/or visit our website shown below to provide us with additional contact information.
'To contact us regard$ng your account:
By Tekptrone: 7 `^ /a,
® In LLS. 1-800-945.2000 ~ "O
Espatbl 1-886-448-3308 Bend Inqulrks to: Mail Payments to: Vistt Our Webstte:
TDD 1-800-955.8080
Pey by phonel-800.438.7958 P.O. Box 15298 P.O. Box 16163 vnv_yys:ha;e:~gTt1(s[gdiSSatSta
Oulsid® U.S. cab cdlect Wilmington, DE 198505298 Wilmington, DE 198865153
1-302594-8200
InlormaNon Ahad yar Acannl
Cretlpirp w PaymaMa: YOtl may mores pa'ymena by any M Rq Optlora nMM below.
Tne amount Of ypur payment ylpultl Dadt least y0w mvlimum payment due. Dayala
In U.S. ddlan attl drawn er myabk mRUgh a U.6. fhWncki Instltutlon err me U.S.
breech Of a infelgn iinendai inSe1'argn.
You may make payments try repeat Ub. nap. SsrA your paymem la the Payments
zddress sMwn on ink sfalement. Ywr ayrneMS try mail must comply wish the
inslruclkra on Ibis sburtgm. Do not sand cash. Wrib yow Accuunl numbw on
your aback or money order. PaymeMa must M aooempxMetl by cox payment coupon
in tM emeldpe prOVitlM wile W r address vWbk lhmuph me envelope window; iht
emrolope cannot ctxdain Mora Ulwr one paylnen[ w cougar: and mere can De no
stales, paper elip0. tore or careesrtotldNroe IneiWed wlih yow Dayment II your
payment ib in aaordance wile our payment iratfuCt+01a and is made auagabk to Ire
on ary day by 5:00 p.m. iwai time at cur Payments address on This slalemeM, ws wkl
credit the payment to your Arsount as of cost day it your paymwd k in accordaxe
wile cur paymrmt in6mOraiora, but k made ava9abk to us offer 500 p. m. lOgnl Mme
dl the PaynWnts itltl't68 Dn mt6 Sbtemem, wa will Credit ii t0 yWr ACCCUnt d8 d
me fleet calelMw day.
Yqu mfly make Daymentsekdronkal!Y mroughour webaMshown on Ihbsmbment.
tt we recehre yoim Completed request M err wehehe by 5 p.m. [astern Time, We wHl
Credit your payment d6 d lMt day I! we reclve yule regtMlBt alter S D.m. Eastern
Time, we will cedA your payment as of me freer cakrMar flay if you spegdy' a Imuro
fbiC err your request wC W II Cr8011 ygUl payment as M mat dory
For ail omer payrrlEalte or for arty payment type above to wNCn you do trot ioeow our
payment ins Wcdons, cradling Or your paymena may co celayetl ~br up l0 5 days.
AeeaM labraretln Rspotlel b CratlN Bwaaae Wa may reppri inlwmadnn about
your Accoum, to dedit bureaus. lase payment, miuoo wymWd6 or otlwv delauha
an your Account may Oe refaeeeetl m yaw weld report If you mink we love reporad
iNC^uufEb inmrma+.loll !Oa C!Btla burean, y0tl may Wma w ua w iM Inquirk6 adtlreaS
sMwn on mu sbbment
To &Rin ant MarWp Aay d Yew Aeawxrgak We, ore raprazaMativas. JPMorgzn
CMSe repreaennnves, vrdyor amuaka, may contact you d arty remphom nunrh¢r
you provide ro us. Please refer ro your Cardlnembw Agreement for atltlidalal deraik
aboat the use of yow Pasorgl InPormadon.
Nona ADeN EktbaMa Cheek Gerwabrt: When you Lay Dy cMck you aumodtt
us etcher w use mrormanon irom your tlkdt tq make aura-pine e!ertromc turd
traralw hum yow aceaanl w to process ale payment as a Megk haraaction. When
wa ass iMurlnriial from your check to Itleke an electronic hunt lrwafer, runts may
be withdrewn from your xcount ore soar u 1M sanre day wu receive your eaynlerlC
and y0u WIA nil reCeN/e your d=eck beck irom yW f 6ndnddl inStitatiplr. CaN IM
Cusomer Service amlber on this shkrnent p you Mve questons xboul lecvonk
chock collection err do nil want your paymwlb cdkcatl elecmonkaly.
CoMi8onel Papnab: Any pMrkM dWCk w odrer form of payment dcet you sera
ra for less roan ms lop Mbnq due mat is marketl'pid in led" w contains a similar
rotation, a Bret You otlWrwlse bllde( in fop mlisixdon 01 a dispum0 amamt.
must tk sent to Card Sarsacee, P0. Box 15049, WNmingmn. DE 1985OSOd9. We
reserve all our nghu regamkrp there paymenm (e.g.. tt it k demrmmad dkre is no
reap dHpute d it any stall dreg n regew~ w airy odlw address, we may accept
me check arc you win sUN owe arc remaxpDp balwla). We may refuse to audA
arty aaan paylnenl Dy relVrripq tt ro you, not cashMg it a destroying a. All omer
payment roar you mats sMek a sent m tM repwar payment address sMwn on
cols statemem.
Anaaal Record No6a: II your Account Agreement has an annual memherehip tee
zndlor sNniar cnarge fa iewrenee nr avapadkty d yourxmunt. hwpl he billed Each
yew or in monrdy w quamry mabameMS. TAN lee arq/or cMrpe are cored weather
qr ro! you use your Accourx, and you agree ro pay them when billed, The annul
fee arc 6harQe af! bon-relundaD!G GtIf083 y0U mtRy d8 ihd y0U Wish t0 CkSe'fO6r
dCCOUm wim'~n 3'0 Gays w Onr balirq CyCit (wAkhsvar ifi le8a) abet we provide me
statement on which the annual tea a charge k tiled and ri IM same bins, you pay
your oubbndirq he'arxe !n toll. d you do tnl0. hx a cnarpe DNktl more ollan than
fnnWNy Will ore d marMUy lwwa cMrye, yetl YM rot era! wE km nllled Coerce;
howevw, prlur IriReo charges ors non7afunrklne and trod be paid as pan of paying
your outrlaldblq fadana in fug. vow payment ai Mu annual hre err charge da+s nil
zmetl our rigA18 fo obee yow Aanwt ant b kmii year dgM w rreke transactkne nn
y'W r Accoum. II yow Account W cro6CO by yon a U6, WB will COntlnU810 imp0681h!
amlud fee ar,dMr Gerp unity you pay your out6lindtng Balance in lull and lenninale
your Account rdatiorretllp.
Gkulatlon of Slane G-pqt b Mlartd Rata: Io tiqum yore genuine inmost
charges Iw each DiHNrp cYCk whin a daily periodic ale(s) aplk6, we use IM dairy
balance memgd (mdudNrg wneM tlaasxtlons). Ta Rpwe pow anodic klmresl
CMryea tar each billing Cyde rdren a rrrantny permdk ram(s) nppllx, we uu ma
xr~age dilly Mlarlce mlAOtl (Inchrdinp curtain trellsatsrons). Fpr an exlanwion of
lmw mamod, or questions about a Dattkukr aM1wesl charge Cakulrikn an yorrc
6tagmoM. pldsq call US at me qll Ira aasiana serv;re iMlate number Ilsbtl above.
we caklab pedpdfc IMareat cAuges. rminq the aoplpde pedodk rams shown
on this statement separaley fw each featum (a:g., ozmnca tmnsler cMCks and
cash advane3 eMCks (`pleat IranwcAorly, purdaus, Lrekance barrsfers, cash
atlwxns, prompkprol Mknrxa nr merdreq advam:os). Than ralcnWbna may
cgmbinn tlilferml categories w71n UW <.artle arbtlk mos. Vwube raga wiA vary
wllh the market based on me Prime Rate (w such index described M yore! AccauM
Aproemenf). There K a minimum mkrost GMrpa Of 51.50 tw SirCh amOUm de6CriCed
in your Account AgreemaM) in airy Dining uyck in wAkh you owe airy ariodk
Interest CMrq¢s. ant a irwl6adlon me mr eacn Dalaroe transfer, cast) advance, qr
check Irznsadion, in ms amounts staled in your Account Apreemwnl. as 6 may be
amended. Tllwe is a fordgn hanaatlion be M 9Y.:d Rte U.S. dollar a;rouM or arty
lorelgn nanaaclion (or seen amount dasaibed rn your Account Apreemem).
HpW 10 AVOid pasnnq mbRal On Pmdatses: W! btgin ass¢ssinq ptriodk iM¢r~i
cMrps on a Iren4ag0on, tee, err inkresttlrerpe from me dorm It fs added w your dairy
baWna until your Account is pea in tut, as deacrPoM Nr yow Aaoum Agreement.
Yalr due drie will be a rMnbnum M 21 days rOllovdrq der close of each hiQinp cycle.
Vrq can avdd penooic imerem dwrges an new pwcAxee whmr thty are Rmt bllkd
w d 9lattm¢M a3 d89tlibed blow, btll Ras d0e9 fMN aPPM w bafanee 118p8(tra,
Cash adyalNaa Or OVEfdfaR 8dyw!COa. It y0V gCEtye a Cgrrent monthly 9latenrdit Fhk
inClUdl6 flew puwMabb ant colt! a paym¢M matwe rerwra DY tAa data andiime 1M
Mingnum Payment k lea fw mat sWemeM, wa wtli rot cMrpa arlddk Ittbrest on
arty pMtlcn M 1MSe IkW plll!tlWSEE teal tYe allocMe Ma:n pYnuM q. 90IOnq as 1)
year currant shkmeM al6D straws mat we received paymtlnt of iM entlinq bererce
fw your previous malUl's sumlmnt Dry ih oats and Ume Rs MiMmum Payment was
Sue OR 2) mat pre ending DNdna fw YOUr Mevidu moMn's Sbbmenl wa6 zw0. If
you have a balance Omar 1Mn a purchase Wmnte arm flat DElmce Certks a hgher
perkdk !nterat ink, you merry not Dt auk b avok perbdk IIIbm6i gnarpe on new
purchases II you do nal pay your Mlarxe in luR each monm, because wa gersrally
albcale peyngmis 9rM to IM balance wim tlq taphest padadk irtmreat rem.
V/Aal i0 00 p Ya inlet Yoe FiM A MNbM a Yar Sblsaraat
u you Think there is an error on your statameM, wore ro us ao a sap-,rare sheet ri
Customer Service, P.0. Rpx 15299 Wilminpwn. DE 19R565~3
In your leper, glue ua the Pollowlnq intormatbn:
• Ar.COUm Irtomatbn: your name and AaauM number.
• Dollar amount: Tne eolkr amount of tit auspecb0 ens.
• DeeCrip[i0n l PfObkm: II you minty mere is Eft !Rw tlM1 your DIN, de6gnDe
what you belkve b wrong ono why you Mikve it b a misbNa.
You rmist concoct Ys within 60 dew after tie errw appeared on your snmamenl.
Yet must rainy us of arty potendal errom h miRrlp. You may oil ns. Dw tl you tlD
w1 are rot required ro iMlBlpole anY fxdemkl !flOrB amJ YoV may have f0 Day the
amount in gVestkn.
WRIe we Irnemigate whtiher a rot ihre nos been an eaor, me fgikwlnp aR true:
• WC Coeur try to culled tM 8m Wmtll gkespon, Or rznottyd; az Oe9rPoueM on
Ihatamaunt
• The chwge in queatipn may rwnein on your abAemeM. era! we may condone
in rttarge you inrores[ on that amount. fiat.-.t ww Cemrmme mat we made a
mistake, you vvia nil Mrs w pay me amount in qunYkn ur Wry interest or
other ieeb rotated to drat emafM.
• Wldle you do not Mve to pry the amount h quas0on, you are resporolMe for
the remainder of your baMlu.
• We cwt appy arty w~~d amount apahst your aedk limit
Tow Rghk N Yon An OiaMiaflM Wlp Tar Getlit GM 14reMSaa
If you are dieaatlsded wim dq peak a aervkws that you have pwdW.sed wim your
deWl Card, and y0V i+ave tried In good kMl to COrfad tAE problem wile lM nlBrChant
you may Ireve me dent Iqr k pay the rtmakdnp amount duo on Ure pumMSa.
TO Vb! ihi6 dQM, all d ale tdlavlnp MUBf M tNl:
1. The purcMsa must Mve been made {n your harm crate w widdn 100 mrea
Or yOUf Current f1a8llirq addfBSB, a1W del parCh888 prlCe mYSi howl bawl
more than 350. INob: Netthw al mesa arc necessary E yow purchase was
based On an atlverliamMt we mdNd ro yal, w p we own the ampany mw
Sot y0U iM p00d3 or BBMCe3.)
2. you most have oaed ylgr crept ~tl fa Rw plmhase. Punnhxms made wim
Cann advances Iran an ATM w With a check mat aaesses yore credp pfd
lu:couM der not qualtly.
3. Vou must rim Yst have lo~ly pall tw pre DamMSe.
11 aU el Tne crkmia above are mat arc you are eta dkedialied vdm me purcnae0.
Contact us in wrninq al Customer Service, P.O. 9oz 15299 Wlimnapgn, OF
1965P5299:
Welk we Imeatgak, tM same rules apply m the tl:spuletl atnWM as dscuase0
abw0. Alter wa linkh cur Irwestigalion. M will te9 you our dackioo. AI Uret pginl, it
We milk you owe an amount and you do not pay we may rtport you as tlelinpuent.
MA6292010
Statement Date: 08/23!10 -09/22/10
Armunt Number: 727
Page 2 of 2
Total fees charged in 2010 $314.39
Total interest charged in 2010 $200.21
Year-to-date totals retied all charges minus any refunds
applied to your account on or after January 31, 2010.
INTEREST CHARGES
Your Annual Percentage Rafe (APR) is the annual interest rate on your account.
Annual Balance Accrued
Balance Percentage Rate (APR) Subject To Interest Interest
Type 31 Days In Cycle interest Rate Charges Charges
Purchases 29.99% (v) $1,102.02 $28.07 $0.00
Cash Advances 29.99% (v) $217.57 $5.54 $0.00
Balance transfer 29.99% (v) $0.00 $0.00 $0.00
(v) =Variable Rate
Please see Infomletion 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.
X 0000001 FIS33338 D 13 000 Y 9 22 10/08/22 Page 2 of 2 05888 MA NW 08914 28510000130000861402
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson j; Sheriff I?
rT
s I I
var o7 °? a tnbFr(y E $? ; , r
Jody S Smith
Chief Deputy ' 2 0 C T y 6 AFB g'
Richard W Stewart Solicitor ?aF?,a? C134?Bc fiLA??J I::?;t??l'f??
PE"f4sYLVANI A
Portfolio Recovery Associates, LLC Case Number
vs.
Brenda L. Wells 2012-6103
SHERIFF'S RETURN OF SERVICE
10/11/2012 Ronny R. Anderson, Sheriff, who being duly sworn according to law, states that he made a diligent search
and inquiry for the within named defendant to wit: Brenda L. Wells, but was unable to locate her in his
bailiwick. He therefore returns the within Complaint and Notice as not found as to the defendant Brenda
L. Wells. Deputies attempted service at 1211 Edinburg Circle, New Cumberland, Pennsylvania 17070,
but were advised by the current resident Brenda L. Wells was the previous tenant ending occupancy prior
to August 2012. However, The New Cumberland Postmaster is still delivering Brenda L. Wells mail to
this address.
SHERIFF COST: $50.00
October 11, 2012
SO ANSWERS,
RON R ANDERSON, SHERIFF
rc; CountyStute Sheriff: Toleosott, Inc.
Carrie A. Brown, Esquire a '°~
Robert N. Polas Jr, Esquire ' ~` ~ ~ ' ~ ~'~~'~ ~,
Attorney ID #940551201259 - ~ ,,
Portfolio Recovery Associates, LLC " ` ~ C, ~ ~{ ~ .~ ~ ~? t~,
120 Corporate Blvd ~ =
Norfolk, VA 23502 =T4`~~.~`~P~~'J ~[~~~~-,,,
Attome for Plaintiff t_ ~~~ `~ v~ Y (_ ~~;~ Ed1 A
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL ACTION -LAW
PORTFOLIO RECOVERY ASSOCIATES, LLC
120 CORPORATE BLVD
NORFOLK, VA 23502
Plaintiff
v.
BRENDA L WELLS
1211 EDINBURG CIR
NEW CUMBERLAND PA 17070
Defendant
No. 12-6103 CIVIL
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
12-24086
Respectfully Submitted,
Came A. Brown, Esquire, # 94055
Robert N. Polas, Jr., Esquire, #201259
Portfolio Recovery Associates, LLC
120 Corporate Blvd
Norfolk, VA 23502
(T) 1-866-428-8102
(F) (757) 518-0860
Attorneys for Plaintiff
This letter is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.
,~
Carrie A. Brown, Esquire
Robert N. Polas Jr, Esquire
Attorney ID #94055/201259
Portfolio Recovery Associates, LLC
120 Corporate Blvd
Norfolk, VA 23502
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA
CIVIL ACTION -LAW
PORTFOLIO RECOVERY ASSOCIATES, LLC
120 CORPORATE BLVD
NORFOLK, VA 23502
Plaintiff
No. 12-6103 CIVIL
v.
BRENDA L WELLS
1211 EDINBURG CIR
NEW CUMBERLAND PA 17070
Defendant
CERTIFICATE OF SERVICE
The undersigned does hereby certify that I served a copy of the foregoing
Praecipe to Dismiss upon BRENDA L WELLS, b Class Mail,
Postage Pre-Paid, a copy thereof on this ~ day of , 20~to:
BRENDA L WELLS
1211 EDINBURG CIR, NEW CUMBERLAND PA 17070
Date:
Came A. Brown, Esquire, # 94055
Robert N. Polas, Jr., Esquire,
#201259
Portfolio Recovery Associates,
LLC
120 Corporate Blvd
Norfolk, VA 23502
(T) 1-866-428-8102
(F) (757) 518-0860
Attorneys for Plaintiff
12-24086
This letter is from a debt collector and is an attempt to collect a debt.
Any information obtained will be used for that purpose.