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Home My WebLink About13-3542 Supreme Co rat; of Pennsylvania Cour - mton Pleas y For Prothonotary Use Only: l 1 �9 L 51 A "t 1' C1 iIUV.e+eet Docket No: CLIMB ='RLNCount ' The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service of pleadin s or other a ers as required by law or rules of court. S Commencement of Action: E ® Complaint ❑ Writ of Summons ❑ Petition C ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking , Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES, LLC CHARLENE SHIELDS O Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits N (Check one) outside arbitration limits A Is this a ClassAetion Suit? ❑ Yes ®No Is this an MDJAppeal? ❑ Yes ®No Name of Plaintiff /Appellant's Attorney: Robert N. Polas, Jr./ Carrie Brown/ Mark R. Garvey ❑ Check here if you have no attorney (are a Self- Represented (Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional [:3 Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Board of Assessment ❑ Motor Vehicle o Debt Collection: Credit Card ❑ Board of Elections ❑ Nuisance ® Debt Collection: Other ❑ Dept. of Transportation E] Premises Liability ❑ Statutory Appeal: Other S ❑ Product Liability (does not include j mass tort) ❑ Employment Dispute: E f p Sian der/Libel/D efamation Discrimination C] Zoning Board C ❑ Other: El Employment Dispute: Other ❑ Other: T I ❑ Other: 0 MASS TORT N ❑ Asbestos ❑ Tobacco ❑ Toxic Tort - DES REAL PROPERTY MISCELLANEOUS B ❑ Toxic Tort - Implant ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Toxic Waste ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Other: ❑ Ground Rent ❑ Mandamus ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations • Mortgage Foreclosure: Residential Restraining Order • Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: • Dental ❑ Other: • Legal ❑ Medical ❑ Other Professional: 12 -35567 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 f 'ILED . �. Mark R. Garvey, Esquire PA Bar # 312686 1 f SRC) Tfi� , Portfolio Recovery Associates, LLC f . ' Q TAR( `( 120 Corporate Blvd 2d j3 •.,0U, Norfolk, VA 23502 `�; 4 TELE: 1- 866- 428 -8102 C ` 1 116 ER Att o COU FAX: (757) 518 -0860 P EN"S YLyAN lA �Y 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 No. Plaintiff, V CHARLENE SHIELDS 15 CHEROKEE DR SHIPPENSBURG PA 17257 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, and 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 12 -35567 Pennsylvania Lawyer Referral Service fi� (800) 692 -7375 x' � t6' V,�, �I 00 cX -fT � � 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 Demandante, No. V. CHARLENE SHIELDS 15 CHEROKEE DR SHIPPENSBURG PA 17257 Demandado. 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 esta 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 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 -35567 Esta coinunicacio:n es d.e un. cobrador de deudas y es un intent do cobrar una deuda. Cualquier infromacion. sera uti9izada para ese, proposito. 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. : CHARLENE SHIELDS 15 CHEROKEE DR SHIPPENSBURG PA 17257 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, CHARLENE SHIELDS, is an adult individual with last known address of 15 CHEROKEE DR, SHIPPENSBURG PA 17257. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK / JC PENNEY on August 21, 2005 with account number * * * * * * * * * ** *4428 (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. This communication is from. a debt collector. and is an attempt to collect a debt. Any information obtained will 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 June 18, 2011. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE CAPITAL RETAIL BANK / JC PENNEY 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 $4,120.11. 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, CHARLENE SHIELDS , in the amount of $4,120.11 plus costs of this action and any other relief as the Court deems just and reasonable. A I le, Carrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 12 -35567 This conu is from. a debt collector and is an attenipt to collect a debt. Any in.fornzation obtained will be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, 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. MAY 2 4 2013 Date: B Le vin Shipmon- Walker Custodian of Records 12 -35567 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. X IBIT 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 120 Corporate Blvd u. Norfolk, VA 23502 Telephone: 1- 866 - 428 -8102 f Fax: (757) 518 -0860 ' Statement of Account Account: * * * * * * * * * ** *4428 CHARLENE SHIELDS Account Holder: CHARLENE SHIELDS 15 CHEROKEE DR SHIPPENSBURG PA 17257 Consumer Account Product Code: PVT Issuer: GE CAPITAL RETAIL BANK / JC PENNEY Assignee: Portfolio Recovery Associates, LLC Account Number: * * * * * * * * * ** *4428 Date Account Opened: August 21, 2005 Date of Last Payment: June 18, 2011 Date of Charge Off: December 28, 2011 Balance at Purchase: $4,120.11 Purchase Date: January 31, 2012 Balance at Charge -Off: $4,120.11 Less Payments: $.00 Balance Due: $4,120.11 12 -35567 GECN51 This communication is from a debt 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. Lecinda Shipmon- Walker I, the undersigned, , Custodian of Records, for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows: 1. 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, 120 Corporate Blvd, Norfolk, VA 23502. 1 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 CAPITAL RETAIL BANK / JC PENNEY ( "Account Seller "), which have become a part of and have integrated into Account Assignee's business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account, and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller's interest in such account having been sold, assigned and transferred by the Account Seller on January 31, 2012. 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 CHARLENE SHIELDS ( "Debtor ") to the Account Seller the sum of $4,120.11 with the respect to account number ending in * * * * * * * * * ** *4428, as of December 28, 2011 with there being no known un- credited payments, counterclaims or offsets against the said debt as of the date of the sale. 5. According to the records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, Account Assignee claims the sum of $4,120.11 as due and owing as of the date of this affidavit. 6. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the Defendant is not on active military service of the United States. Portfolio Recovery Associates LC ( /��l By: i ecind todian of Records Subscribed and sworn to before me on M A W 2 4 2013 , 2013 Notary Pu c Rh, Lucretia Ann Etheridge Commonwealth of Virginia Notary Public 12 -3556 �.,, , �, Commission No. 7042513 My Co mmissio n ExAiTs 9/30014 This communication is from a debt collector and is an attempt to collect a debt. An.y information obtained will be used for that purpose. 330 GE MONEY 8 p.m. 01 -30 -2012 3112 0 cstNSi GF Money Bank BILL of SALE PRA Fresh — January 2013 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flour Receivables Purchase Agreement (the "Agreement "), dated as of the 2CP day of December, 2011, by and between General Electric Capital Corporation, GE Capital Retail Bank, GEMB Lending, Inc., Monogram Credit Services, L.L.C., RFS Holding, L.L.C„ and GEM Holding, L,L.0 (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 each Transfer Date, and as further described in the Agreement. GE Capital Retail Bank By: Title: General Electric Capital Corporation By: � f Title: V C, E j GEMB Lending, Inc. By: Title: Monogram Credit Services, L.L.C. By: Title: 01/91/2012 16:39 6785761 GL BAS SQLU'iTI%* PAGE 15/15 GB Money Bank DILL , of SALE P-R-A ,j [ph January 20 For value received and in finther consideration of the mutual covenants and conditions set forth hi the'Porward Flow Reaelvebles Purchase Agroemcat (the "ASmement "), dated as of the 20 day of December, 2011, by and between General Electric Capital Corporation, GE Capital Retail-BOX GEMB Lending, Inc., Monogram Credit Services, L.I.Q. RFS Holding, L.L.C., and OEM Holding, T,.I..0 (collectively "Solles'l and Portfolio Recovery Associates, LLC. (Buyer'), Seller hettby ttansfem, j lolls, convoys, grants, and delivers to Buyer, its successors and assigns, without recours except as set fbr& in the Agm mer t, to the extft of its ownership, the Receivables as set } fordt in the Notification Filos (as defined in the Agmernent)� deliveted by Seller to Buyer on each Tmafer Date, and as Further described in the Agreanimt. 1 OR Capital Retail Bank < 1 3y: Title, iyla General lEleetrie Capital Corporation r By: Title: GRUB Lending, Inc. By: ��► Monogram Credit Services, L.L.C. G ECA/6 7/ SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson �,�- ��F11LED-OFFICE HUN�}��y� Sheriff 4t�:pertt�� Jody S Smith 2613,.w 'x 2613 JUN 26 PM 2: 1 I Chief Deputy " } Richard W Stewart CUMBERLAND COUNTY Solicitor arriCEOFT;�= Fig= PENNSYLVANIA Portfolio Recovery Associates, LLC vs. Case Number Charlene Shields 2013-3542 SHERIFF'S RETURN OF SERVICE 06/21/2013 12:13 PM - Deputy Jamie DiMartle, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Charlene Shields at 15 Cherokee Drive, Southampton Twp., Shippensburg, PA 17257. J IE DIMARTLE, DEPUTY SHERIFF COST: $50.60 SO ANSWERS, June 24, 2013 RON R ANDERSON, SHERIFF (c)CountySuite Sheriff,Teleosoft,In. In the Court Of Common Pleas Of Cumberland County, PA Portfolio Recovery Associates, LLC No. 13T 25L)� 120 Corporate BLVD J Norfolk,VA 23502 Plaintiff V. ,r Charlene Shields 15 Cherokee Drive c> Cz; 3> CD t�' Shippensburg PA, 17257 Defendant = Defendant answer the complaint as follows: 1. Lack of Knowledge 2. Affirm 3. Deny 4. Lack of Knowledge 5. Affirm 6. Deny 7. Affirm 8. Deny 9. Deny 10. Deny 11. Lack of Knowledge The undersigned enters a appearance in this action. 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. CHARLENE SHIELDS 15 CHEROKEE DR SHIPPENSBURG PA 17257 Defendant. COMPLAINT I. Plaintiff,Portfolio Recovery Associates,LLC is a Delaware Limited Liability Company with offices located at 120 Corporate Blvd,Norfolk,VA 23502. 2. Defendant,CHARLENE SHIELDS,is an adult individual with last known address of 15 CHEROKEE DR, SHIPPENSBURG PA 17257. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK/JC PENNEY on August 21,2005 with account number************4428 (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. This communication is from a debt collector and is an attempt to collect a debt. Any1n.formation obtained will be used for that purpose. Y i 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 June 18,2011. 8. Plaintiff is the purchaser,assignee and/or successor in interest GE CAPITAL RETAIL BANK/JC PENNEY 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 $4,120.11. 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, CHARLENE SHIELDS ,in the amount of$4,120.11,plus costs of this action and any other relief as the Court deems just and reasonable. Came A. Brown,Esquire,#94055 Robert N.Polas,Jr.,Esquire,#201259 Mark R. Garvey,Esquire,#312686 12-35567 Attorneys for Plaintiff This cornmun.ication is from a dent collector and is an atten'pt to collect a debt. Any.inkmiation obtained Will be used for that purpose. y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 No. 13-3542 CIVIL Plaintiff C V. CIVIL ACTION - LAW rnC0 z" CHARLENE SHIELDS N 15 CHEROKEE DR z, SHIPPENSBURG PA 17257 �a v ):;PC) M XF Defendant D z '` SUGGESTION OF BANKRUPTCY AND NOW, comes Plaintiff by and through its attorney, Robert N. Polas, Jr., and would show the Court: 1. A petition has been filed for relief under Title 11,United States Code, in the United States Bankruptcy Court which bears the case number 1303937. 2. Relief was ordered on July 30, 2013. 3. This action is founded on a claim from.which a discharge would be a release or that seeks to impose a charge on the property of the estate. 4. This is for informational purposes only, and does not constitute a.Notice of Appearance by the undersigned. WHEREFORE, Plaintiff suggests that this action has been stayed by operation of 1.1 U.S.C. § 362. Respect 11 ubmitted, By: Robe olas, Jr., Esquire # 201.259 Carrie A. Brown,Esquire, #94055 Mark R. Garvey, Esquire#312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd. Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff 12-35567 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Praecipe was served th' day of August, 2013 by depositing same in the Post Office, first class mail, postage prepaid, addressed as follows: CHARLENE SHIELDS 15 CHEROKEE DR SHIPPENSBURG PA 1725 obert N. Polas, Jr., Esquire# 201259 Carrie A. Brown, Esquire, #94055 Mark R. Garvey, Esquire #312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 5.18-0860 Attorneys for Plaintiff 12-35567 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. MAKE ALL CHECKS PAYABLE TO: Portfolio Recovery Associates,LLC SEND ALL PAYMENTS TO: Portfolio Recovery Associates,LLC,P.O. Box 12914,Norfolk,VA 23541 COMPANY ADDRESS: Portfolio Recovery Associates,LLC, 120 Corporate Blvd,Norfolk,VA 23502 DISPUTES CORRESPONDENCE ADDRESS: PRA Disputes Department, 140 Corporate Boulevard,Norfolk,VA 23502 DISPUTES DEPARTMENT E-MAIL ADDRESS: PRA—Disputes@portfoliorecovery.com DEBIT CARD TRANSACTION FEES: Third party vendors may charge a transaction fee for processing payments made by debit card;however,PRA does not charge or accept any fees. Please discuss this option with our staff if you have any questions. QUALITY SERVICE SPECIALISTS AVAILABLE Mon.—Fri.8 AM to 5 PM(EST) Not happy with the way you were treated?Our company strives to provide professional and courteous service to all our customers. Contact one of our staff to discuss issues related to our quality of service to you by phone at(866)925-7109 or by e-mail at qualityservice@portfoliorecovery.com PRIVACY NOTICE: We collect certain personal information about you from the following sources: (a)information we received from you;(b)information about your transactions with our affiliates,others,or us;(c)information we receive from consumer reporting agencies. We do not disclose any nonpublic personal information about our customers or former customers to anyone,except as permitted by law. We restrict access to nonpublic information about you to those employees and entities that need to know that information in order to collect your account. We maintain physical,electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. NOTICE: We are required under state law to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws: CALIFORNIA: The state Rosenthal Fair Debt Collection Practices Act and the federal.Fair Debt Collection Practices Act require that,except under unusual circumstances,collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part,collectors may not tell another person,other than your attorney or spouse,about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities,you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. Nonprofit credit counseling services may be available in the area. COLORADO: Office located at 4600 South Syracuse Street, Suite 938,Denver,CO 80237, Telephone 1-866-508-4751. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERA:L.GOV/CA.A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. MAINE: Telephone number at licensed location is(800)772-1413. Hours of operation at licensed location are 7:30 AM to 1 1 PM EST Monday through Friday, 8 AM to 5 PM EST Saturday,and 2 PM to 9 PM EST Sunday. MASSACHUSETTS: Office located at 49 Winter St., Weymouth,MA 02188. Telephone(800)772-1413. Hours of operation are 9 AM to 6 PM EST Monday through Thursday.NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR. NEW YORK CITY: City of New York License Numbers 1096994, 1394695, 1394697, 1394696, 1394698, 1394700, 1394699, 1394694. NORTH CAROLINA: Collection Agency Permit No.4132. TENNESSEE: This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance. (#00000770) This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.