The URL can be used to link to this page

Home My WebLink About13-4503 Supreme C Pennsylvania Cour f QOM n Pleas CI VEl' t Ia r anntary : s ,l? i x 1:'. ['AV !> O Ct s�: CLIMB ,County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required by law or rules of court. Commencement of Action: �\ ®Complaint ❑Writ of Summons El Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES, LLC CHRISTINA RUMPLE Dollar Amount Requested: Are money damages requested. ®Yes El No X within arbitration limits Q _ \\ (Check one) outside arbitration limits Is this a Class Action Suit? ❑ Yes ® No Is this an MDJAppeal? ❑ Yes ®No off' j 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 t ` PRIMARY CASE. If you are making more than one type of claim, check the one that m you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional E] Buyer Plaintiff Administrative Agencies \ A ❑ Malicious Prosecution ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Credit Card ❑ Board of Elections �\� z ❑ Nuisance ®� Debt Collection: Other - - - - -- ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other ❑ Product Liability (does not include mass tort) -- ----------------- [I Employment Dispute: "` ❑ Slander /Libel /Defamation �� Discrimination ❑ Zoning Board ❑ Other: Employment Dis Dispute: Other El p ❑ Other: \ \ ❑ Other: MASS TORT — �� ❑ Asbestos ❑ Tobacco ❑Toxic Tort -DES REAL PROPERTY MISCELLANEOUS 16 Ejectment 1 ❑Toxic Tort - Implant ❑ E � ❑ Common Law /Statutory Arbitration 2 ❑ Toxic Waste E] Eminent Domain /Condemnation El Declaratory Judgment F1 Other: ❑ Ground Rent ❑ Mandamus c... ❑Landlord /Tenant Dispute ❑Non-Domestic Relations "� "' -------- - - - - -- ❑ Mortgage Foreclosure: Residential Restraining Order - - -- ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto \ ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY El Quiet Title E] Other: �\\ ❑ Dental ❑ Other: _---____-------- ,,��`, ❑ Legal - -- - - -- ❑ Medical ------ -___ -- — ❑ Other Professional: 13 -57283 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLCt';`= 120 Corporate Blvd TELEI ��,�� 1 ' +'l FAX: (757) 518 -0860 ERLAND C0 f,= 5 Attorneys for Plaintiff ��`'S YLV L�14 ' � IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 No. "( J Plaintiff, V. CHRISTINA RUMPLE 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 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 Pennsylvania Lawyer Referral Service (800) 692 -7375 13 -57283 am4 'SMS 5�daf C� 33N13 U � apRaq 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. CHRISTINA RUMPLE 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 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 13 -57283 Esta con7iunicacion es de un cobrador de deud.as v es un. iDten.t do cobrar una deuda. C:ualquier infrornacion sera utilizada 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. CHRISTINA RUMPLE 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 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, CHRISTINA RUMPLE, is an adult individual with last known address of 130 OLD SCHOOLHOUSE LN, MECHANICSBURG PA 17055. 3. It is averred that Defendant was indebted to GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT on January 6, 2010 with account number * * * * * * * * * ** *8901 (hereafter referred to as "Account "). A copy of the account history is attached here to and collectively marked as Exhibit " 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. This communication is from. a debt collector and is an attempt to collect a debt. Any irltbMiati.on obtained will. be used for that purpose. 5. • At all relevant times material hereto, Defendant has used said Account for the purchase of products, goods and /or for obtaining services. 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 5, 2011. 8. Plaintiff is the purchaser, assignee and /or successor in interest GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT 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 $704.42. 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, CHRISTINA RUMPLE, in the amo t f$704.42 us osts of this action and any other relief as the Court deems just and reasonab Carrie A. Brown, Esquire, # 94055 / Robert N. Polas, Jr., Esquire, # 201259 Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 13 -57283 This communication is from. a debt collector and is an attempt to collect a debt. Any inforniation obtained will. be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, David D. Sage 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: JUL 02 2013 By: David D. 'Sage Custodian of Records 13 -57283 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 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 Norfolk, VA 23502 Telephone: 1- 866 - 428 -8102 Fax: (757) 518 -0860 Statement of Account Account: * * * * * * * * * ** *8901 CHRISTINA RUMPLE Account Holder: CHRISTINA RUMPLE 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 Consumer Account Product Code: PVT Issuer: GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT Assignee: Portfolio Recovery Associates, LLC Account Number: * * * * * * * * * ** *8901 Date Account Opened: January 6, 2010 Date of Last Payment: December 5, 2011 Date of Charge Off: July 29, 2011 Balance at Purchase: $724.42 Purchase Date: August 26, 2011 Balance at Charge -Off: $724.42 Less Payments: $20.00 Balance Due: $704.42 13 -57283 GESM17 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. I, the undersigned David D_Sa 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 GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT ( "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 August 26, 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 CHRISTINA RUMPLE ( "Debtor ") to the Account Seller the sum of $724.42 with the respect to account number ending in * * * * * * * * * ** *8901, as of July 29, 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 $704.42 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 Associa , LLC B David D. Sag , Custodian of Records ubscri ed and sworn to before me on _ _ of J UL O 3 201 ,3 2013 No u 13- 57283 7 r BUT �. (,. 1 rr r L72 Gtr '` ssi�l S This commu.nicat:ion. is - From a debt: collector and is an attempt; to collect a debt. Any information obtained will. be used for that purpose. 8664201312 '1:01:15 09 -02 -2011 212 EXMIT A BILL OF SALE For value received and in fiuther consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Purchase Agreement "), dated as of October 19, 2010 by and between GE Capital Corp. (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 Purchase Agreement, to the extent of its ownership, the Receivables as set forth in the Notification Files (as defined in the Purchase Agreement), delivered by Seller to Buyer on each Transfer Date, and as further described in the Purchase Agreement. GE Capital Corp. By: - �^ Glenn Marino Title: VP Date: '31- Cut -off Date Face Value # of Accounts Purchase Purchase Price Price Factor -- $ $ CARECREDIT /GEMB Account N r mbei M PLE GE Money ccount Number: 901 y Statement Closing Summary of Account Activity Payment Information Previous Balance $689.42 New Balance $0.00 + New Purchases $0.00 Total Minimum Payment Due $194.00 Payments $0.00 Payment Due Date 08/0212011 +/- Credits, Fees & Adjustments (net) $689.42- PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE. +/- Interest Charge (net) $0.00 We may convert your payment into an electronic debit. See New Balance $0.00 reverse side. Credit Limit $500.00 Available Credit $0.00 Late Payment Warning: If we do not receive your Total Days in Billing Period 29 Minimum Payment Due by the Payment Due Date listed above, you may have to pay a late fee up to $35.00 and your APRs Pay online for free at: www.geMoney.com may be increased to the Penalty APR of up to 29.990%. For GE Money customer service or to report your card lost or stolen, call 1- 866 -893 -7864. Best times to call are Wednesday - Friday. Transaction Summary Train Date I Post Date Reference Number Description Amount 07/29/2011 07/29/2011 F9072006JO0999990 CHARGE OFF ACCOUNT - PRINCIPALS $334.90 CR 07/29/2011 07/29/2011 F9072006JO0999990 CHARGE OFF ACCOUNT `FINANCE $389.52 CR CHARGES` FEES 07/25/2011 07/25/2011 LATE FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED 07/29/2011 07/29/2011 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2011 Totals Year -to -Date Total Fees Charged in 2011 $240.00 Total Interest Charged in 2011 $70.27 Interest Charge Calculation Expiration Date Annual Balance Subject to Interest Charge Type of Balance Percentage Interest Rate Rate (APR) Purchases NA 22.98% $0.00 $0.00 Cardholder News & Information In order to protect your account privacy, we are unable to provide account information to anyone other than the cardholder(s) or an authorized party. If you wish to permit us to speak to an authorized party such as a spouse about your account, please send written authorization to the General Inquiries address. ` NOTICE: See reverse side and additional pages (if any) for important information concerning your account. 5302 CFH 1 5 2 110729 Z PAGE 1 of 1 9072 le00 CGn2 01EJ5302 Pay online at gemoney.com or enclose this coupon with your check. Please use blue or black ink. —I C al"eCredit Total Minimum Past Due Payment New Account Number Payment Due Amount Due Date Balance $194.00 $0.00 06/02/2011 $0.00 901 Payment Enclosed: $ ❑ ❑ ❑ ❑ ❑ . ❑ D New address or e-mail? Payment due includes $ 0.00 past due. Please pay the past due amount PROMPTLY. Check the box at left and print changes on back CHRISTINA M RUMPLE 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 -5665 Make Payment to: GE MONEY BANK PO BOX 960061 ORLANDO, FL 32896 -0061 Customer Service'Questions For account information, please call the toll free number on the from of tMs statement. Unless your name is listed an this statement, your access to information on the account may be limited You may also mail questions /but not payments)to: P.Q Bax98ll27, BPasg 7X79998- 1127. Pleaseindude youraccount numberonany conespondenee yousend tour Payments Send payments to the address listed on the remittance coupon portion of this statement or pay online at wwwgemoneLi.com Overnight Paymenwpayments cannot be made in person, mall payments to: GEMoney Ban); 140 Wekivd Springs lbad LongwooC& 1132779 Notice. Seebekiw foryour&lhng Rghtsarhd odwi mportant formation. Telephoningaboutbil8ngerrmw8l notpreseroe yoLff dghts underfederellaw. Topreserveyourrights ,pleasewiketo ourEiNnglrxp*iesAddmss, P.Q Box981438, BPaso, 7X79998 -1438. Purchases, retunrsand payments madeJust priortoblYing date may notappearunbl next month'sstatement. We reserve the right to obtain payment electronically for any check or other instrument that you send to us by initiating an Apr (electronic) debit in the amount of your check or instrument to your account. Your checkormstrument will not be returned to you by us or you bank Nor bantk account may be debited as early as the same day we receive your payment. You may choose not to have your payment collected electronically by sending your payment (with the remittance coupon), in your own envelope — not the enclosed remittance envelope, addressed to: POBox530960,Atianta, GA 30353 -0960 and not the payment address What To Do If You Think You Find A Mistake On Your Statement: If you think there is an error on your statement, write to us at: GE Money Bank, PQ Box 981438, B Paso, 7X79998.1438. In your letter give us the following information. Account information: Nxn nameandaccourf number . DDHaramourt :7hedoliaramount ofthesuspectedenor . Desaiptiondproblem :ffyouthinktherefsan eroron yourbii4 describe what youbelieve iswroig and why youbelieve it isa mistake. You must contact us within 60 daysafterthe error appeared on your statement. You must notify us of arty potential errors in wntirro 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 hasbeen an error, the folkwhig are true: We cannot try to collect the amount in question ormport you as delinquent on that amount.. The charge in question may remain on yomstatement and we may confirm tocharge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.. While you do not have to pay the amount in questoonk you are responsible for the remainder of your balance.. We can apptyanyunpaidamoumagainst yourcredit!ant. Your lights If You Are Dissatisfied With Your Credit Card Purchaseslfyou are dissatisfied with the goods or services that you have purchasedwith your credit cab andyouhave trledin 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 thisfight, all of the following must be true: l) The purchase must have been made in your home state or within 100 miles of your current mailing address, andthepurchase price must have been more than $50 . pllote : Neliher of these are necessary If your purchase was based on an advertisement we mailed to you, or ff we own the company that sold you the goods orservices) 2) You must have used your credit card for the purchase. Rrchases made with cash advances from anA7Morwitha creckthhataccessesyourcredit cardaccount do not qualify. 3)YOumust not yet have fully paid forthe purdnase. Ifaft of the criteria above are met and yon are still dissatisfied with the purchase, contact usin writing at. P.O. Box 981438, B Pds; TX 79998 -1438. While we investigate, the same rules apply to the disputedamount as discussed above. Ater we finish ourhnrestigati in we willtellyou ourdecision.Atthatpoint, ffwethinkyou owean amountandyoudonot pay we may report youasderinquent. Information About Payments: You may pay more than the Total Minimum Payment at any time. Pdymertsreceived after5A0 FM ("onany day wnDbe aeditedasofthenext day. Credit toyouraccountmaybe delayedup tornedaysifpayment (a)isnot receivedat the payment address, (b)isnot madein U.S dollarsdrawn ona U.S financial irstitudonlocated in the US, (c) isnot accompanledby the remittance coupon attached to your statement, (a) containsmore than one payment or remittance coupay (e) is not teceived in the remittance envelope provided or (1) includes staples, paper dips, tape, a folded check or correspondence of arty type. Conditional Pa vments All written communications concerning disputed amounts, including any check or other payment instrument that: n indicates that the payment constihRes'payment in fu8"oristendered as full satisfaction ofa disputed amount, or (a) is tendered with othercondtions orrimitations( VisputedPayments'j must bemat7ed ordeliveredto usat PQ Bax981438, BPaso, 7X79998 -1438. Credits to Your AccoLmt: An amount shown with a CR next to the amount is a credit or credit balance unless otherwise indicated. Ceditswillbe applied to yourpreviousbalance immediately uponreceirit, butwiflnot satisfyanytequkedpayment thatmaybe due. Telephone Monitoring: For quality contra /purposes, you permit us to listen to or record telephone calls between you and us Credit Reports and Account Information: if yoube8eve that we may have reported inacctffateinfotmationabout youtoa consumer- reporting agency,pease cortactusat PQ Box981439, BPBsq 7X79998.1439. In doingso, please identify theinaccurate information and tell uswhy youbelieveitisincomed.Ifyouhave a copy ofthe avditteport that includes the inaccurateInformation, pleasemclude a copy of that report. We may report information abort youraccaunt to credit bureaus Late payment; missed payment; or other defaultson youraeroum maybe reelected in yourcredd report. Variable Rate Information: ffany of yourAPRs are variable, that AFRwfll vary with the market based on the Rime Crate. How LoWWi lithePenaltyRateApply ?ffymwA ; a areinxxeased ,theFpnaltyAPRw8lappyuntil youmake sxconsecutiveminimum paymeitswhendue. How We Calculate Interest: We use method called'daiy balance': Duringbilling cyciesin which Interest ischarge4 foreach balance type on your account 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. A separate dally balance will be ca kula led for the following balance types, as applicable: purchases, balance transfers, cash advances and other balances that are subject to different interest rates, plans or special promotions Rrst, we determine the'daiy ba lance "To determine the dalty balance, we take the beginningbalanee each day, add any new charges and fees posted that day, and subtract any payments and credits posted that day. This gives us the daffy balance. Second, we calculate the amount ofinterest charged To do this we multiply the applicable dally rate by each daily balance on your account. Third, we add the interest amount to the daily balance, and tie sum willbecome the beginning balance for the following day. Your interest charge for the billing cycle is the sum of the Interest amounts tha t were charged each day during the billing cycle for each balance type. We charge a minimum of$2ofinterestin any billing cyclein which youowe interest. Paying Interest: Yourdue date is a t lea st 23 daysafterthe dose ofeachblift cycle. We will not charge you any interest on purchases Ifyou pay yourenti ebalameby the due date each month. We willbeginchanghginterest on cash advancesandbalancetransfO4 if appikaW on Bankruptcy Notice: If you Fite bankruptcy you must send us notice, including account number and all information related to the proomdng tothefollowingaddress.GEMo ey BanlyAttn: BandhruptcyDept., P.Q Box 103106, lbswell, 6430076. Your account Is ownedandserviced by GEMoney Bank. For complete terms, and conditiinsofyour account, oonsuflyourCredit CudAgreement. Hearingimpaired.• 7DDuserscall 1- 877 - 448 -8512 ores302 • e • 0&22110 Use oflnformation About YouandlourAccount:OmPtIvacyPol�l desaibesmureo& ctionanddisdosreofirfarmation about you and your Account. If you would like another copy of the Rivacy Policy, please call us at the customer service telephone number indi atedon the front ofthissiatement. This is an attempt to collect a debt and any information obtained writ be used for that purpose. By provk(ing a telephone number on account, i consent to GE Money Bank and any other owner or s;rvieer of my account oontacbngmeaboutmy account,incirn6ng usngany cotactirformation orcellphone numbersl provide, andl consent tothe use of � m atictei system andfor anarti fncialorrerecordedwfce when contacting me, even iflamchaigedforthecall u Yphonape For changes of address phone number andnor email, please check the box and print the changes below or visit us on-line at Www_.9erncney. . Name Ureet ❑ )Wee Actress g, zo Rhone# Email - �.Rb„w h�smnrea C,�erp....dne.phmee aiwfnmeg xe mnwemomr.eyou BYPRONDING XX RBWLADDR34 YDUAGi?EE7Dr4 rBWBNAiL Q7YVHNlINIC4nONABOUTYOURA000UNTANDALSOG NE FBiY WO IVFDRUS 7DFROWDEYWRB" LADOFESS7D MBVIANTI PRDNDBi'REMILERA0CEPIINGYOURC4FV (1) arty appeal right under nU court having ' Action enter' judgment u Your a Ju*rne Aegis Arty )u rtry 1 dime Mr 25. ENTIRE AGREEMENT. This Agreement, together with any applies- R hills and Our Responsibilities After We Receive Your Writ the arbitrator's award The arbihalots decision will be final and binding ten Notice except for lion you signed in otherwise y ref in this Agreement), with the Account under the FAA; and (2) any party may We must acknowledge your letter within 30 days, unless we have cor- (which is hereby incorporated 6y reference in this Agreement ), cro esitutes rooted the emu then. thin 90 appeal decisions relafrhg to Claims of more than $100,000 to a twee- the entire agreement between you and us relating to your Account and explain why we b W ii eli e ve the bill was�correeccL ust either correct the error or arbitrator panel appointed by the administrate, which will reconsider all over supersedes any other prior or contemporaneous agreement between you again any aspect of the appealed award. If you appeal, We wit consider in and us relating to your Account. This Agreement may not be amended After we receive your letter, we cannot try to collect any amount you ' goad faith a request that We pay any additional fees of the adran sbak r or except in accordance with the provisions of this Agreement. It is not the question, or report You as delinquent. We can continue to bill you for the arbdrafnr. intention of the parties that anything in this Agreement should result in the amount you question, including finance charges, and we can apply any assessment of fees o charges in excess of those permitted by applicable unpaid amount gainst your credit limit. You do not have to pay any IMPORTANT LIMITATIONS AND RESTRICTIONS: IF A CLAIM GOES TO questioned amour while we ate investigating, but you are still obligated to ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO: (1) law. any fee charge assessed under s Agreement is finally mined d to be in a excess of that permitted by applicable law, the excess pay ft Parts of your bill tot are not in quern. HAVE A COURT OR A JURY DECIDE THE CLAIM; (2) ENGAGE IN amount will be applied to reduce the outstanding balance in your Account If we find that we made a mistake on your bill, you will not have to pay any DISCOVERY ILE,, THE RIGHT TO OBTAIN INFORMATION FROM THE or, if there is no outstanding balance, will be refunded to you. finance charges related to any questioned amounL if we didn't make a OTHER PARTY) TO THE SAME EXTENT THAT YOU OR WE COULD IN mistake, you may have to pay fnance charges, and you will have to make COURT, (3) PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBI- FEDERALAND STATE NOTICES up any missed payments on Ire questioned amount. in saltier case, we will TRATION, EITHER AS A CLASS REPRESENTATIVE OR A CLASS MEM- send you a statement of the amount you owe and the date that it is due. t you BER; (4) ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN NEW JERSEY RESIDENTS: Because certain provisions of This Agreemen t fail to pay the amount that we think you owe, we may report you as ARBITRATION; OR (5) JOIN OR CONSOLIDATE CLAIMS(S) WITH us within days However, if our exp you does not satisfy you and you write CLAIMS OF ANY OTHER PERSON. THE RIGHT TO APPEAL IS MORE are subject to applicable laws, they may be void, unenforceable or to we report ten that fe34ngus u about o r oil. tel anyone LIMITED IN ARBITRATION THAN IN COURT. OTHER RIGHTS THAT inapplicable some jurisdictions. Norte of These provisions, however, is we report you for you have a question ion about you till. Arno, nd, we must tell void, unenforceable r or inapplicable in New Jersey. y Ire name of anyone matter been settled between us when it finally is. replied you lo. We muss toll anyone we repot! YOU OR WE WOULD HAVE IF YOU OR WE WENT TO COURT MAY You ALSO NOT BE AVAILABLE IN ARBITRATION. ONLY A COURT MAY that the mater DETERMINE THE VALIDITY AND EFFECT OF PARTS 3, 4 AND 5 OF PUERTO RICO RESIDENTS: You may request a copy of this Agreement If we don't follow these rules, we can't collect the first $50 of the THIS PARAGRAPH. IF COURT SHOULD HOLD SUCH PARTS () TO BE n Spanish. questioned amount, even if your bill was correct. INVALID, THEN THE ENTIRE ARBITRATION PROVISION SHALL BE Your signature on the application or sales slip for the initial Special Rule for Credit: Card Purchases NULL AND VOID. HOWEVER, THIS WILL NOT LIMIT THE RIGHT TO Purchase approved on this Account represents your signature on if you have a problem with the APPEAL SUCH HOLDING. IF A COURT SHOULD HOLD ANY OTHER Y p quality of properly or services that you this Agreement and is incorporated by reference. purchased with a credit card, and PART(S) OF THIS ARBITRATION PROVISION TO BE INVALID, THE P you have tried in good faith to coned REMAINING PARTS SHALL BE ENFORCEABLE IN NO EVENT SHALL � the problem o ur the merchant, you may have the fight not for pay the THE INVALIDATION OF ANY PART OF THIS ARBITRATION PROVISION � { remahmng n his r due on the property or services. There are two HAVE THE EFFECT OF AUTHORIZING AN ARBITRATOR TO MAKE AN Ul? Nmital orris on fins r ght AWARD TO, ON BEHALF OF, OR AGAINST, ANY PERSON WHO IS NOT (a)You must have made the purchase in your home stale or, if A NAMED PARTY TO THE ARBITRATION. Mark D. Hayes not within your home state, within 100 miles of your current Vice President, Marketing mailing address; and This arbitration provision will survive the termination of you Account and the GE Moneyy Bank Card and will remain in force no mater what happens to you or your Account. 4245 South Riverboat Rd., Suite 200 (b)The purchase price must have been more than $50. In rase of any conflict or vioonsistency, this Agreement controls over any rules Salt Lake City, UT 84123 -2551 and procedures of the arbitration administrator . These limitations do not apply t we own or operate the merchant, or if 22. GOVERNING LAW. Except as provided in the arbitration Notice: The to" is important information regarding your fight to dispute we mailed you the advertisement for the property or services. provision, this Agreement and your Account and any claim, dis- billing errors- puts or controversy arising from or relating to this Agreement or PRIVACY POLICY your Account, whether based on contract, tort, fraud and other YOUR BILLING RIGHTS This Privacy Policy describes our information collection and sharing prat intentional torts, statute, common law and/or equity, are governed KEEP THIS NOTICE FOR FUTURE USE foes. Please read it carefully and retain with your records for this Account, by and construed in accordance with federal law, and to the extent This Policy apples only to current and former customers and applicants in that state low applies, the laws of the State of Utah (without regard This notice contains important information about your rights and our responsibility their relationships with to relating to this consumer credit Account n GE to internal principles of conflicts of law). The legality, enforceabil- under Fair Credit Billing Act. Money Bank ( "GEMB," `we%'us" or "cur'). In this policy, the term fly and interpretation of this Agreement and the amounts con- Notify rakers to both CareCredt LLC and each participating professional tracted for, charged and received under this Agreement will be No Us in Case of Errors or Questions About Your Bill that accepts the CareCredit card. 9 9 t you think your try is wrong, or if you need more information about a transactor governed by such laws. This Agreement is entered into between on your bill, write us on a separate sheet at the address shown on your Information We Collect — We correct personally identifiable information and us In Utah. We make decisions about granting credit to Statement under bibig inquiries. Write Ila us as sow as possible. We must bear Pe Y you from, extend credit to you under this Agreement from, and from you no later than 60 days after we sent yew the fist bill on which the error about you (such as your address, phone number, social security number, accept your payments in Utah. or problem appeared. You can telephone is, but doing so will not preserve your motre(s maiden name and transaction information about items purchased, rights. payments and payment method), for identification, account management, 23. ASSIGNMENT. We may sell, assign or transfer any of our rights or servicing and marketing purposes. We obtain information about you directly obligations under this our or Agreement AccounE including rights to in your later, give us the following information: from you (such as on application on forms), through `� a our ur products 9 Y ng our o and services, me s, and n so cases, from ti d payments, without prior notice to you. You may not sell, assign or transfer Your name and Account number. and demographic firms). Occasionally, we may also collect information any of your rights or obligations under this Agreement or your Account. The dollar amount of Ile suspected error, about you online using 'cookies' (small pieces of data stored by your Describe this error and explain, if you can, why you believe there is Internet browser on your computer) or other technology that may be used to 24. SEVERABILITY. If any provision of this Agreement is determined to anerror. If you need more information, describe the item you are riot remember passwords for you, fo tack you webs to usage with us, and to be void or unenforceable under applicable law, at other provisions of this sue about provide you with customized content, among other things. Agreement shat still he valid and enforceable. I GEMONEYBANK Infomration We Share with Others — We may use and share all of the important Notes About Your Choice CREDIT CARD AGREEMENT information we called, subject to applicable law, with the following (t ese Please understand that, even if you opt out as described above, we will examples are rat intended to be ahindww): continue to share information with the Provider and its affiliates and You need not accept this credit card or pay Provider and its affiliates and program sponsors (as applicable), for program sponsors (as appl assoc w this Account, joint any fee disclosed unless you use the card. use in cormedion with this CareCre6t consumer credit program and as marking partners and service providers as described in this policy, and as otherwise permitted by law. And we wit continue to share information record t p by law. They may use this pro motion b update t et 1. GENERAL. This Agreement Agreement ') governs your CareCredit that identifies you, and about your transactions and experiences with us, records, to provide you with r hes u s of special promotions and other t t credit card aarourht (' Acco.nt"). In s Agreement and W billing statement with GEMS Afilates. tailored offerings, to answer questions about this Account and perform (StatemenP), 'vie ", "us - - , and 'our means GE Money Bank, 4246 South other CareOredit program functions or for other purposes permitled by Riverboat Rd., Suuite 200, Salt Lake City, UT 84123 -2551, "you' and "your' se law. They may use their affiliates, hcenes, sponsors or third-party If you have a joint acoer t a request by one pally will apply to all parties means alt rsons who we approve to use the AcooLK and "Card' means service providers (such as modeling and database companies) to assist on the AcconL your Care( it Credit Card. The eBechve date of this Agreement will be the them in any of these activities. earlier of O the date you submit an Account application that is approved by us, We win process your request promptly. However, it may take us or a the fast date that you or some" authorized by you uses the Account Service Providers and program sponsors (includ our affiliates), to several weeks to ensure that al records are updated with your prefer - asssl us in servicing Accounts, lice preparing Ming statements and ence. in the i ntervn, you may continue to be included in programs as 2. USE OF ACCOUNT. You may use you Account O to purdiase goods and promotional materials, and responding to customer inquiries. We also described above. Also, after your request is processed, you may still be services ("Purchases'), (it) to obtain cash advances ( "Cash Advances') by may use marketing firms, such as modeling companies, to assist us in contacted by GEMB Affiliates and'or other companies based on Bret awn writing convenience checks (Convenience Checks') we may provide to you our awn marketing efforts. information. from We to tone or by other means we may make available, or (ii� b transfer balances from other credit card accounts to this Account ('Balance Transfers) • Financial Institutions with whom we jointly offer financial prod- Even if you opt oul, we will continue to provide you with bf ling inserts and by means (including balance transfer checks) we may make available from ucts, such as loan products or credit insurance. It your billing address is mad notices of special offers and new benefits. time to trine, in each case up to any credit limit we may establish for your in Vermont, this information w be limited to your name and contact Account ("Credft Lind). Except as otherwise provded in this Agreement or in i nformation, aril transaction and experience nfo roof on on Bits Aeco ni. Vermont Residents: If (and while) you billing address s in Vermont, we will any applicable offer, Balance Transfers will be treated as Purchases. You may Treat your Account as d you had exercised the opW dicks described not inhale Balance Transfers to this Amount from other accents with us or any GEMS's affiliates, who are other companies in the General Elec- above and you do not need to contact us in order to opt out. t you move of cur affiliates. We may Omit your Cash Advances to a portion of your Credit awe iron Vermont and yo r w sh b restrict us iron Shari information Lvnt (you `Cash Limit') and d we do so, you agree not b take Cash Advances trlc Company corporate family ( "GEMB Atftiates� inn servicing or y icy, you must then contact us to exercise in excess of your Cash Limit. We may decline to authorize any Purchase, marketing purposes, subject to your right b opt out of sharing of credit about you as p ov dell in thi P o l icy, Balance Transfer or Cash Advance or chargge your Credit Limit at any fire. eligibility mformetiort, such as certain idomuatan from credit bureaus and the opt -out dmice described above. You may use your Account only for personal, family or household purposes. your application, as provided in the t§ Your Choice section below. Our Secur ty Procedures — We ma nta n phy�ca eiecaon c, and procedural Subject to your not to opt out, GEMB AtRiales also may use infor mtation 3. PROMISE TO PAY. You promise to pay us for at credit that we extend safeguards that comply with federal standards to guard nonpublic personal from us concerning you credt eligibility and your transactions and information about you We fit access to personal and Account infomnatbn to on You Account for Purchases, Balance Transfers, Cash Advances, and experience with us, to send you marketing sofidtations about products all other amounts owed to us under the terms of this Agreement. and services. Lose empbyses and agents who assist us in providing products and services to you. We also require third parties to wham we disclose nonpublic personal 4. PERIODIC FINANCE CHARGES. • Third Parties, who are interested in offering special products or information to actions to this Privacy Policy and to estab information wait services to you, subjed to you right to opt out as provided in the its Your procedures. A. We calc the periodic Finance a separately for Purchases and Choke section below. For example, we disclose information, either Cash Advances. The Annual Per Rate may sometimes be dvedly or through Provider, its affiliates and Wo,(as apps- Your Access to Information — We provide you access to information about referred to as "APR - . For each billing period in which a periodic Finance cable) b financial services providers offering products such as insurance, your Account by sending you monthly b Ring statements outlining your tansac- Charge is imposed, the amount of the Finance is the total of O the mortgages or bans, and von- fnartual companies offering consumer tons, finance charges, and other Account information, and by providing cus- anoint of the periodic Finance Charge ca =ed during the current products and sarvices. We may disdose name, address and telephone tomor service representatives to answer your gueshoms. biting period ps (ii) d you had a Purchase Balance during the prior numbers, as well as Account purchase and performance history. Ming perod. the amount of the periods Finance Charge that was How This Policy Applies to You — The examples cadained in this Privacy cakxilated on that Purchase Balance during te, prior biting period, but not • Others: We report Account information, such as credit lirnil, balances and Policy are 9wfirstions only, and are not intended to be all- cmdusve. If you decide imposed in that billing period. The periodic Finance Charge for each payment information, to cretU bureaus. In addition, we may buy and sell to dose your Account, or become an inactive customer, or if we dose or billing period is calculated by applying the applicable daily p n oils rate assets, tries of business andlor Accounts. When this occurs, customer suspend you Account, we will continue to adhere to fie privacy polices and ( "Periodic Rab) in eted during that biting period to the balm" sublect nfamaton generally s disclosed to bidders and s one of the transferred described in this notice to the extort we retain nfomotion about you b per odic Finance Charges for each day n the biting period. and a business assets. We also disclose information about you b third parties We may amend this Privacy Policy at any time, and we will inform you of together all of those daily Fmanee Charge amounts. A minimum F in certain other dreumstances, as permitted by law. changes as required by law. You may have other privacy protections under NANCE CHARGE of up to $1.50 will be imposed for each biting period state laws and we unit comply with applicable state laws when we disclose in which your Account is subject to a Finance Charge. information abed This Privacy Policy apples only b this consumer cxedt Account with It's Your CIt01CB — You have the right to opt oN of our sharing of with y Bank and does not apply b any other B-The periodic Finance Char s will be determined separately for you about yo our information with certain third parties, as described below. To opt may have w th us, and replaces our previous disclosures to you charges incurred under any Payment Plan in accordance out please cat us toil -tree at 177- 905.2097, or vile to us at P.O. Box information practices- with the terms established for or such Special Payment Plan. You 981439, El Paso, TX 79998 -1439. If you have previously informed us understand and acknowledge that this Account provides for the of your preference, you do not need to do so again. daily compounding of periodic Finance Charges. H you opt out you will be directing us as follows: 5. PERIODIC RATES. Do not share information about me with companies other than For account information, visit us at wwhv.geonlineservice.00m A. The Penod s c Rate for your Purchase Balance the Purchase Standard with GEMS Affiliates, and with Provider and Its affiliates and _ .............._..................... .......- ...................__.. ......._.............._... Rafe, unless the Detrhquency Rate apples as described below. The program sponsors (as applicable) for use in connection with Purchase Standard Rate for a biting period is the greater of O the Prince this credit program and as otherwise permitted by law. Do not Rate plus 14.73 %, times 11365, or (s) .06295 % (APR 22.98 %). The share with GEMS Affiliates information used to determine my "Prime RaW for a billing period is the highest bank prone ban rate, as eligibility for credit Do not allow GEMS Affiliates to solicit me published in ire Marcy Rates Section of The Wag Street Journal, on the for products and services based on transaction, experience or fifth business day before the first day of Ghat billi period. As of October credit eligibility information they receive from GEMB. 069439 -00 1 2006, the Purchase Standard Rate was .06295 (APR 22.98 1 /6). Revision Date: 12/01106 (th) Print Date: 12106 (t2) M -75049 (t) B. The Periodic Rate for your Cash Advance Balance is the Cash Standard under any Special Payment Plan, in fug on or before ft Payment Due Date for E. We reserve the right to obtain payment electronically for any Rate, unless the Delinquency Rate applies as described below. The such billing period. There is no period within which you can avoid period a check or other instrument that you send to us by initiating an ACH Cash Standard Rate for a bang period H the greater of ( ) the Prime Rate Finance Charges on Cash Advances or Transaction Fees for Cash Ad- (electronic) debit in the amount of your check or instrument to times plus A 7 e .0 , Cash Standard (i).06295% R5 (APR 22.9P.) 22 As Bober vnces. your account. Your check a item will not be returned to you by 1. us or your bank. 8. PAYMENTS. C . The Periodic Rates and comes APRs for all Account balances 9. FEES. You agree to pay the following fees. (including any promotional reles) may ba increased it you fag to make a A. You must pay at least the Minimum Payment on your Statement by Ore ream ell Minimum Payment by Ore Payment Due Date, you make a Payment Due Date shown on Ore Statement You may pa yy more than A. A Late Payment Fee, if we have not received your Minimum payment to us IhaI is not honored by your bank or you exceed your Me Minimum P t at any time. Any fire fire APR appfxxble to your Payment by the Payment Due Date shown on your Statement. Credit Lino If we increase your Periodic Rales, the new Periodic Rates Account 0 240% a less, your Minenum Payment nitialy will be (i) iha The amount of the Late Payment Fee will he based on your a be equa to O e DeNrxTuency Rate, or at our discretion a lower rate. greater of $15 or 3 of your New Balance (excluding any balance New Balance at the end of the billing period ending after the Our deacon may be be on factors such as Ore tin - A or seriousness attributable to any Special Payment Plan that Involves delayed or special Payment Due Date. The Late Payment Fee will be $15 for a d any deiau f, you payrt�nt and pu arose history and other perfor- payments), rounded to Ore next highest dollar, plus (4 any past due New Balance under $99.99; $2D for a New Balance d $100.00 to mance on this PccounI. The Inc eased Period c Rates w9 apply 1b your amounts, plus (o) any payment due under any Special Payment Plan. $ggg gg and $35 for a New Bala ce d $1000.01) or more. exislim balances and future tramaclas and 4 take elect as d the first Any fare the APR applicable b your Account is greater than 24.0% your day oft he billing period in which your missed or returned payment was Minimum Payment initially wIl be (i) the greater of $15 or 3.5% o✓ your B. A Returned Check Fee d $3(} it any the dk or other instrument sent to due or in which you exceeded your Credit Urnit. We also may change New Balance (excluding any balance attributable to arty Special Pay - rates or other term as provided in the Tennnation/Change in Temps ment Plan Drat mvolies delayed or special payments), rounded to the us, or any electronic payment authorization you provide us in pay - See" of this Agreement. The Detcryuency Rate for a billing period is next highest dollar, plus (i) any past due amounts, plus (N) any payment ment on your Account, is not honored upon first presentment, even the greater of (i) the Prime es 1/3 Rate plus 20.74 %, fin65, or (4).07394% due under any Special Payment Plan. However, d your payments are d the check, instrument or electronic authonzaben is later honored. (APR 26.99%). As of October 4, 2006, the Delinquency Rate was not sufficient to pay the Finance Charges oryour Account each month, .07942% (APR 28.99 %). plus 1% d your New Balance each month, plc arty Late Payment Fee C. An Over Lind Fee of $30 for each billing period in which your New and/or Over Limit Fee within four months after 0 is assessed, your Balance as shown on your Statement exceeds your Credit Lmtit. We D. The Periodic Rates and Corresponding APRs may vary. O the Prime Minimum Payment will be changed to the greater of the Mrinum may assess an Over Limit Fee even it we authorize the transactions Rate increases, the Periodic Rates and corresponding APRs may Payrent calculation stated above, or the sum of i% of your New onyour Account that caused you M exceed your Cradd Limit a if ynu increase arid, as a result, the periodic Finance Charge, Minimum Pay- Balance plus Finance Charges, Late Payment Fees and Over Limit exceed your Credit Limit as a result of unpaid Finance Charges, ment and number of payments also may mcrease Any change in the Fees billed on your Statement. In each rase, your Minimum Payment lie piggy of deferred accrued Finance Charges or otter fees. Periodic Rates will apply to you entire Account balance (unless other also will include arty past due amourds and any payment due under any wise specified in any applicable Special Payment Plan). A change n the Special Payment Plan. The Minimum Payment will be the New Balance D _ A Transaction Fee for each Cash Advance that posts to you Ac- Prone Rate will take effect on Ore first day of the txlfvhg period that O the New Balance is less than $15. cot", including arty Balance Transfer heated as a Cash Advance . commen es after the change. We may select a new interest rate index This fee will be a FINANCE CHARGE equal to 4% d Ore amoral 9 One Prime Rate is not available. B. All written communications concerning disputed amounts, in- d the Cash Advance, with a mrdmum of $5. eluding any check or other payment instrument that (i) indicates 6. BALANCE SUBJECT TO PERIODIC FINANCE CHARGES. The that the payment constitutes "payment in full" or is tendered as balance subject to a periodic Finance Charge is calculated separately for full satisfaction of a disputed amount, or (if) is tendered with E. A Returned Loan Check Fee of $30 in the event any Convenience Purchases and Cash Advances. other conditions or limitations ( "Disputed Payments "), must be Check on your Account is not honored by us because (i) the mailed or delivered to us at the address for billing inquiries portion of your Credit Limit available for Convenience Checks is A. The Purchase Balance subject to a periodic Finance Charge is he shown on the Statement, not the Payment Address. insufficient to cover the amount of the Convenience Check, (i) Purchase Daly Balance of the Account. To determine the Purdiase you have filed a petition in bankruptcy, (ti) the Convenience Daly Balarre, wo take lie prior days Purchase Balanced your C. All payments, except Disputed Payments, must be mailed or delivered Check has expired, or (iv) your Account has been closed. Account which includes unpaid periodic Finance Charges on your to us at the address grown on your Statement (the - Payment Ad- Purchase Balance, and add any new Purchases, including any Bel- dress'). Any payments recorded after 5:00 p.m. on any business day: F. A Stop Payment Fee d $3D it we stop payment on any Convenience ante Transfers Oral are treated as Purchases, and other debits charged or on any day other than a business day war be credited on lie next Check at your request. You may request that we stop payment on to your Account that day, and subtract any payments and other credits business day. Credit to your Account may be delayed u to fiver a Convenience Check (any betas O s negotiated) by notifying us in applied to your Purchase Balance that day. Each day we also add any days If payment 1a) Is not received at the Payment Address, (b) at P0. Box 961439, El Paso, TX 7°'9981439, Attn: Payment periodic Finance Charges on your Purchase Balance and otter Finance is not made m U. SS dollars drawn on a U.S. Bnencial institution writing Charges and fees (otter than Transaction Fees for Cash Advances), located in the U.S., (c) is not accompanied by the remittance Processing or by calling us at the telephone number on your State- including any debt cancellation fees, assessed Oct day an your Ac- coupon attached to your Statement, (d) contains more than one meet. O you call and order a stop payment, we must receive written runt. This gives us Ole Purchase Daily Balance of the Account. Any payment or remittance coupon, (e) is not received in the remit- confirmation of the stop payment order from you within fourteen (t4) Purchase Daily Balance of less than zero will be treated as zero. tance envelope provided or () Includes staples, paper clips, days of the call or the stop payment order will expire. The written tape, a folded check, or correspondence of any type. It this Credo stop payment order must include the Convenience Check number, B. The Cash Advance Balance subject to a periodic Finance Charge is the Card program allows in -store payments, you ergg ee that any payments payee, amount and date of the Convenience Check on which pay Cash Advance Daily Balance d the Acccoun. To determine the Cash on you Account delivered to a Partiapakng Profess enal are handed by ment is to be stopped. A written slop payment order will expire six Advance Daily Balance, we take the prior day's Cash Advance Bal- the Participating Prdessdanal as a convenience for you and are not (6) months after we receive d unless the stop payment order is mice of your Account, wRhich includes any unpaM periodic Finance received or accepted by us unfil physicaiy delivered to us. Although we renewed in writing. Charges on your Cash Advance Balance, and add any new Cash peat your payments in the manner described above, we may delay Advances, including any Balance Transfers that are treated as Cash restor" your available Credit Limit in the amount of your payment. All G. A Transaction Fee for each Balance Tra sfer freate se d as a Purcha Advances, Transaction Fees for Cash Advances and periodic Finance credits for payments to your Account are strtged to final payment by lie Oct posts to ur Account. This fee wl be a FINANCE CHARGE Charges on your Cash Advance Balance for that day and subtract institution on which the item d payment was drawn. equal b 4% of Oe anwun of the Balance Transfer, with a minimum of payments and other credits applied I your Cash Advance Balance /hat $5. day This gives us Ore Cash Advance DaAy Balance of the Account, D. We reserve the right to select the method by which payments and Any Cash Advance Daly Balance d less bran zero wilt be treated as credits are allocated to your Account m our sole dscralim- The payment 10. SECURITY INTEREST. You grant us a purchase money security zero, allocation method that we use may result in higher Finance Charges on interest in each item of merchandw purchased on your Account to seeds your Account, depending on the types of transactions you make (such its unpaid purchase price until such merchandise its pad in kill. Solely for the 7. WHEN PERIODIC FINANCE CHARGES BEGIN TO ACCRUE Pur- at promotional or non- promotional Purchases), and the timing and amount purpose of dolernming the extent of our purchase money security interest in chases and Cash Advances begin to accrue periodic Finance Charges from of your payments. For example, on promotions requiring a Mintrnum each such item of merchandise, your payments will be allocated first to the data of the transaction (or, at cur option, fun the date they are posted to your Payment payments over the minimum will usually be applied to those Finance Charges on lie Account, and Ow to pay oft each Purchase on the Account) and continue to accrue Finance Charges until t charge rs pad in lu %. yranobonal balances before none omotionat and oOer bola cos. O you Account in the order in which the Purchase was made (f more then ore item However, you can avoid ppeerk Finance Charges on new Purchases in the have anon- pdorto5o t I balanoa, lids may reduce the bereft fr m the was purchased on the same day, your payments will be allocated to pay Current Billing Period if for each billing period you pay your New Balance, prompt on. tf you want to change LY s allocaOon, lease ralt customer off the lowest priced item first). If you made a Purchase pursuant to a credit including arry Cash Advance balance and any balance of Purchases made service at 1 -86Pr693 -7864. ( ( (4) promotion, rte balance with respect to the promotional Purchase may be 20. CHANGE OF ADDRESS. You will notfy us prompk it you change your shown on Statements during the promotional period and may reflect a 14. LIABILITY FOR UNAUTHORIZED USE The Cerd is issued to you by address. We may send Statements am other notices to your address to our different payment atoc ation method. In no event will we assert a security us at your request and you agree to destroy it, and any Comenierce Checks records unlit we haw a reasonable opportunity to update as records with any interest in the promotional Purchase for an amount greater than the lowest issued upon your Account. upon demand. You may be &able for Ore unautho- new address for you. balance shown on a Statement for that promo ional Purchase. We agree that rued use of the Card or Convenience Checks. You agree to safeguard your no security interest is or wail be retained or acquired under this Agreement in Card and Convenience Checks, and to promptly notify us if your Card or 21. ARBITRATION PROVISION. Please read this arbitration provision care- . any real property which is used or is expected to be used as your dwelling. Convenience Checks are W or stolen or of possible unauthorized use of your fully. IT PROVIDES THAT ANY PAST, PRESENT OR FUTURE LEGAL Should we feel it necessary, you authorize us to sign and file financing Card or Convenience Checks by writing to P.O. Box 981439, El Paso, TX DISPUTE OR CLAIM OF ANY KIND, INCLUDING STATUTORY AND statements regarding any Vehicle purchased. 79998 -1439 or by calling us at 1 -866- 398-8254. You will not be liable for COMMON LAW CLAIMS AND CLAIMS FOR EQUITABLE RELIEF, THAT unauthorized use of your Card or Convenience Checks that occurs after you RELATES IN ANY WAY TO YOUR ACCOUNT, CARD OR YOUR RELA- If the item of merchandise purchased is a Vehicle (including the vehicle, pads notify us of the kiss, theff, or possible umaukrized use and, in any case, your TIONSHIP WITH US ( WILL BE RESOLVED BY BINDING and accessories) and if you default under this Agreement we may, as hability for unauthorized use of you Cant will rot exceed $50. t you orally give ARBITRATION IF EITHER YOU OR WE ELECT TO ARBITRATE. peen itlad by applicable law, repossess it a vehicle and any personal us na6ce concerning loss or fief, you agree to confirm 4 in venting. You agree Ln ty of yours n oratachedfo Vence that snot subject to our sec security that unauthorized use does not include use by a person to whom you have Right to Reject Arbitration: You may reject this arbitration provision, st may be held by us wthout liability. Unless you make written Veen authority to use fie Card, or Convenience Checks, and that you wig be in which event neither you nor We will have the right to require d on for thelum of urso al property wthin t0 days (or any table for at use by such a person. To terminate that authority, you must notify arbitration. Rejectors wit riot affect arty other aspect of these terms. To reject perod required bS app rabk law) of repossess on, you will k se any us at f B66 396 -8254. the arbitration prow s on you must send Us a notice within t D days after you ngtd to re cta m A f ore us, except as app xable law oche w se prov des. Alter open you Account. The notice must nGude your name, address, and Account we repossess the Vehicle, i1 may tie sod at public or priwte sale, as 15. CREDIT REPORTS AND ACCOUNT INFORMATION. You give us number and be mailed to P.O. Box 981439, El Paso, TX 7999&1439. Ti's is prdra d for M apptcable Faw, and time proceeds race wart from the safe wit permission to request information arid to make whatever i consider the only method you can use to reject the arbitration provision. be applied to your balance after deducting expenses allowed bylaw We necessa ry and appropriate (andudin 0 obtaining trap third and will pay you any surplus resuting from a resale of the repossessed Vehicle, fePmmg consumer r p or" a h and you will pay us any deficiency when and as permitted by applicable of considering your our a reports n for lor e rep or" Account and subsequerlty. �9 bsequ for the e m connection and purpose an all of its re used It this provision: pawls, s 'Us," and "Our' mean (1) ubsidiaries, affiliates, predecesssoro s, succ�sas, Money Bank law. application respective Parents, s with any updates, renewals or extensions of credit or reviewing or colleding assigns, employees, officers and directors (a>llectivety, the "Bank'), and (2) For some individual Purchases under your Account, we may require you your Account. You also authorize us to report information concerning you or CareCree it LLC and each Participating Professional that accepts the CareCredd '7� to maintain propertylcesuaity insurance on ire Purchase as a cemttion of Account, inducing Information about your performance under this Agreement, Card and all of their respective parents, subsidiaries, affiliates, predecessors, granting you credit. You will be informed of an to consumer reporting agencies and others who may property receive such successors, assigns, employees, y property/casualty insurance g p gees, offcers and directors. requirement at the time you make the Purchase. information. if you believe That we have reported inaccurate information about you to a consumer reporting agency, please contact us at P.O. This arbtration provision covers at Claims, except that We will not elect to Box 981439, El Paso, TX 79998 -1439. In doing so, please identify the arbihale an Wviduaf Clam brought by you in small claims can or its equivalent, 11. SPECIAL PAYMENT PLANS. From time to fore, you may be offered inaccurate information and tell us why you believe if is incorrect If unless that Claim is transferred, removed, or appealed to a different court. This special promotional terms which modify to terms of this Agreement with you have a copy of the credit report that includes the Inaccurate provision replaces any existing arbitration provision between you and Us. respect to certain Purchases or Cash Advances an your Accamt ("Special information, please include a copy of that report. You are hereby Payment Plans). The provisions of this Agreement apply to any Special notified that a negative credit report reflecting on your credit record With respell to any arbitration: Payment Plan, unless otherwise provided in this Agreement or under the may be submitted to a consumer reporting agency I you fail to fulfill Notice: If you or We elect to arbitrate, the other party must be notified- Your Special Payment Plan offering- We may, without prior rrotce, terminate your the terms of this Agreement. raw must be sent to GE Consumer Finance, Legal Operation, 777 Long participation in any Special Payment Plan if you are in default under this Ridge Road, Stamford, CT 06902. Notice can be given after a lawsuit has Agreement Dekut includes, but is not li fled to, any payment delinquency 16. USE OF INFORMATION ABOUT YOU AND YOUR ACCOUNT. You been tied, in which case t can be made in papers in the lawsuit whether or riot such delinquency relates to a Special Payment Plan. In fie authorize and died us to furnish information about you and your Account to event of termination of your participation in any Special Payment Plan: (i) Participating Professionals that accept this Credit Card (and their afliates and Ad mislimbr The person who starts the arbitration proceeding aust choose, each remaining balance will not be treated as a Special Payment Plan program sponsors) for use in connection with this Credit Card program, including an administrator, who can be either the National Arbitration Forum, P.O. tmnsacbm and will be subject to the standard pransions applicable to such to create and update their customer records, to assist them in better wrung you, Box 50191, Minneapolis, MN 55405, www.arb-forum.com (800) 474 - transac hen: and Co) Finance Charges accrued on fie Special Payment Plan and to provide you with special promotions. In addition, you agree to the use 2371; or the American Arbitration Association, 335 Madison Avenue, New balance from the date of purchase, if any, may be added to your balance. of information about you and your Account described in the Privacy Policy. The Yak, NY 10017, wtiw.adr.org. (800) 7787879. The actual arbitrator will Privacy Policy is a pad of this Agreement and is enclosed or attached hereto. be selected under the administatots rules, and must be a lawyer with at 12. TERMINATIONICHANGE IN TERMS. You may terminate your .least ten years of experience. Account at any firm by providing us written notice. We pray, at any time and 17. TELEPHONE MONTTORING. To ensure that you receive accurate and subject to applicable taw, change, add or delete provisions of this Agreement courteous customer service, on occasion, you call may be monitored by our Applicable Law These terms involve interstate commerce and this arbitra- (`Ter ms Change°) or terminate you Account. Unless prohibited by applicable employees or agents and you agree to any such monitoring. bon provision is governed by the Federal Arbitration Act, 9 U.S.C. § §1 at law, we may apply any Terms Change to any outstanding or future seq. (the 'FAA'). Utah law shall apply to the extent state law is relevant balances of you Account We will send to you notes of any Temps Charge 18. JOINT ACCOUNTS. If this is a joint account, each of you will be jointly and under Section 2 of the FAA in determnmg the validity of this provision- The as required by applicable law. Upon any temnatim of your Account, you iii imdraty responsible for you obligations under this Agreement; notice to one arbitrator has to follow: (1) the substantive law, consistent with the FAA, that remain obligated to repay the balance of your Account and this Agreement of you will be considered to be notice to troth of you; and we can rely on would apply if the matter had been brought in court, (2) this arbitration will continue to apply knII you do so, instructors from one of you, even if we receive inconsistent instructions from provision, and (3) ire adinnatrakxs ides. The arbitrator is authorized to the other person. award remedies that world apply if the individual action were in a court 13. DEFAULT Su*d to Ite limitations of applicable law, we may declare (including, witoul limitation, punitive damages, which shat be governed by you in default if you: () fat to make at least the Minimum Payment when 19. WAVER. We may, in our sole discretion, choose to not exenise am/ right the constitutional standards employed by the U.S. Supreme Courq. The due: (o) violate any otlher term of this Agreement: (si) become the subject of under this Agreement including the right to irntmse the full amount of any charge, arbitrator has no authority to conduct an arbikafiDn on a class action basis or a bankruptcy or insolvency proceeding; or (rv) supply us with misleading, without waiving that right. Any waiver of a right by us must be in writing and to make an award to, on behalf d, or false, incomplete or rnoomed imma. After your default or your death, signed by us. Except as we may agree in a signed writing, we wig not waive against, any person via is not a ton and subecI to the imitations of applicable law, we may: () reduce your any rights t we (a) accept a late or partial payment, (b) accept a check a other named party to the arbitration. Cash Litnit ands you Credit Limit (a) terminate your Account (ti) require payment marked'payment in fug' or tendered with othermnd bons or l naktiorms, immediate payment of your entire Account balance; (iv) terminate any (c) extend the due date of any payment due under this Agreement, ardor (it) LocafieNFees: The arbitration will take place in a location reasonaby Special Payment Plan and convert any balance on such Plan to the release any collateral or person responsible for your obtgations under this convenient to you. If you ask Us, We will pay all filing, adntnistrawe, standard terns and conditions of the Account (v) bring an action to coiled all Agreement hearing anddor other fees the administrator or arbitrator charges up to $2,501). amounts owed; andror (vi) lake any action allowed by law. It after your t the cost is higher, you can ask Us to pay more and We wit consider your default, we refer your Account for collection to an attorney who is not our request in good kith, Under all circumstances We will pay at amounts We salaried employee, you will pay, to the extent permitted by applicable law, are our collection costs, including court costs and reasonable attorneys' fees. required to pay under applicable law. 1 ( (7) SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson FjLEU-O RCE ,. Sheriff ,� .5F 'FIE PRO HONOT 'R �,�,e�c�n of�C�ar�r��rr��.�i�� Jody S Smith Chief Deputy 2013 AUG 26 AID#4 41 A4;""Richard W Stewart CUMBERLAND COUNTY Solicitor OFF ICU OF TFE SkER[Fr PENNSYLVANIA Portfolio Recovery Associates, LLC vs. Case Number Christina Rumple 2013-4503 SHERIFF'S RETURN OF SERVICE 08/19/2013 08:19 PM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Complaint& Notice by handing a true copy to a person representing themselves to be Darryl Buffenmyer, boyfriend, who accepted as"Adult Person in Charge"for Christina Rumple at 33 W. Main Street, Apt. 2F, Mechanicsburg Borough, Mechanicsburg, PA 17055. RYAN BUGETT, SHERIFF COST: $39.30 SO ANSWERS, August 20, 2013 RONNY R ANDERSON, SHERIFF {c)CountySU:o Shenff Teieoso`i.Inc. 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. 13-4503 CIVIL v. CHRISTINA RUMPLE • 130 OLD SCHOOLHOUSE LN • MECHANICSBURG PA 17055 • PRAECIPE FOR DEFAULT Defendant • JUDGMENT • • • CD rnrn ter , CJ>r ro U -t 7. Filed on Behalf of Plaintiff �C") ` ' Cou record for t ar Z. Date: _ Robert 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) 518-0860 Attorneys for Plaintiff 13-57283 `M�•DUI ad-77 IZ act)3(& This commu nication is from a debt collector is an attempt to collect a d-bt. Any informatiox: obtained will be used for that purpose. 4 1 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. 13-4503 CIVIL v. CHRISTINA RUMPLE •• 130 OLD SCHOOLHOUSE LN •• MECHANICSBURG PA 17055 Defendant •• • • PRAECIPE FOR DEFAULT JUDGMENT Please enter Judgment in Favor of Plaintiff and against Defendant,CHRISTINA RUMPLE ,for failure to answer the Complaint. (X) Amount Due $704.42 Less Credits $.00 TOTAL $704.42 (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,I certify that a written notice of intention to file this praecipe was mailed or delivered to the party against whom judgm-• 's to be entered ..•• to his/her Attorney of record,if any,after the default occurred and at le. •ays prior t• e da e of the filing of this praecipe and a copy of the notice is attached. Robert 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) 518-0860 Attorneys for Plaintiff 13-57283 This communication is from a debt collector is an attempt to collect a debt. Any information obtained will be used for 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 • Plaintiff No. 13-4503 CIVIL v. CHRISTINA RUMPLE • 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 • 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$704.42. (X)A copy of all documents filed with the Prothonotary in support of the within jut t i ttached. ,41(1). x By: we; � w> If you have any questions regarding this Notice,please co• . •- filing p. Rob-rt N. Polas, Jr., Esquire, #2012 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 13-57283 Ills communication is from a debt collector is an attempt to diect a debt. Any information obtained will be used for that ur'pose. 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. 13-4503 CIVIL • v. • CHRISTINA RUMPLE • 130 OLD SCHOOLHOUSE LN • MECHANICSBURG PA 17055 • 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 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 and is not in the military service of the United States or its Allies, or otherwise within the srovisions of the Service Members Civil Relief Act and its Amendments. Robert 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) (866) 428-8102 (F) (757) 518-0860 13-57283 Attorneys for Plaintiff This communication is a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 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) September 24, 2013 CHRISTINA RUMPLE 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 RE: PORTFOLIO RECOVERY ASSOCIATES, LLC VS. CHRISTINA RUMPLE 13-4503 CIVIL Dear CHRISTINA RUMPLE: Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, V.) ( Robert N. Polas, Jr., Esquire Carrie A. Brown, Esquire Mark R. Garvey, Esquire Attorney ID#201259/ 94055/312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff 13-57283 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for 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 Plaintiff No. 13-4503 CIVIL • v. • CHRISTINA RUMPLE • 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 : • Defendant TO: CHRISTINA RUMPLE 130 OLD SCHOOLHOUSE LN MECHANICSBURG PA 17055 DATE OF NOTICE: September 24,2013 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 COURT 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 OR 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 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 Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 (717)249-3166 Robert N. Polas, Jr., Esquire Carrie A. Brown,Esquire Mark R. Garvey,Esquire Attorney ID#201259/94055/312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk,VA 23502 13-57283 Attorneys for Plaintiff This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Results as of:Sep-27-2013 06:57:32 SCRA 3.0 It Status Report Pursuant to Servieemembers Civil Relief Act Last Name: RUMPLE First Name: CHRISTINA Middle Name: Active Duty Status As Of: Sep-27-2013 On Active Duty On Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects the individuals'active duty status based on the Active Duty Status Date Left Active Duty Within 367 Days of Active Duty Status Date Active Duty Start Date Active Duty End Date Status Service Component NA NA No NA This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Data The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA No NA This response reflects whether the individual or his/her unit has received early notification to report for active 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 status of the individual on the active duty status date as to all branches of the Uniformed Services(Army,Navy,Marine Corps,Air Force,NOAA,Public Health,and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. HOWEVER,WITHOUT A SOCIAL SECURITY NUMBER,THE DEPARTMENT OF DEFENSE MANPOWER DATA CENTER CANNOT AUTHORITATIVELY ASSERT THAT THIS IS THE SAME INDIVIDUAL THAT YOUR QUERY REFERS TO.NAME AND DATE OF BIRTH ALONE DO NOT UNIQUELY IDENTIFY AN INDIVIDUAL. )0140/, r Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 13-57283 The Defense Manpower Data Center(DMDC)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 on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act(50 USC App.§501 et seq,as amended)(SCRA)(formerly known as the Soldiers'and Sailors'Civil Relief Act of 1940). DMDC has issued hundreds of thousands of"does not possess any information indicating that the individual is currently on active duty"responses,and has experienced only a small error rate. In the event the individual referenced above,or any family member,friend,or representative asserts in any manner that the individual was on active duty for the active duty status date,or is otherwise entitled to the protections of the SCRA,you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil"URL:http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification,punitive provisions of the SCRA may be invoked against you. See 50 USC App.§521(c). This response reflects the following information: (1)The individual's Active Duty status on the Active Duty Status Date(2)Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date(3)Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC§101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard,this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC§502(f)for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve(AGR)members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves(TARs),Marine Corps Active Reserve(ARs)and Coast Guard Reserve Program Administrator(RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration(NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA,as defined in accordance with 10 USC§101(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 on which SCRA protections are based have not been amended to extend the inclusive dates of service, Furthermore,some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted,but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name,SSN/date of birth,and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: N4G1R06CDOEBADO