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HomeMy WebLinkAbout13-5278 Supreme Court_ofrPennsylvania Cour. J "Of,COIl mo leas For Prothonotary Use Only: � Civ l',Covet sheet Docket No: LI Coun ty The inlbr•naation collected on this,f)r'nt is used solely' ff)r coin -t adrrtirrrstratiort Irurposes.I•his,T)rtn does not satpplerne'nt or replace the,liliug and ser vice ofpleadinggs or other papers as required by lair or antes of court. Commencement of Action: S ©� Complaint 0 Writ of Summons Petition 0 Transfer from Another Jurisdiction Q Declaration of Taking E C Lead Plaintiffs Name: Lead Defendant's Namc: T, REMIT CORPORATION, ASSIGNEE OF UNIFUND CCR, LLC TINA L. AVARA Dollar Amount Requested: []within arbitration limits I Are money damages requested? M Yes El No (check one) []outside arbitration limits O N Is this a Class Action Suit? El Yes No Is this an MDJ Appeal? 0 Yes 0 No A Natne of Plaintiff /Appellants Attorney: RAYMOND W. KESSLER, ESQUIR 0 Chech here if you have no attorney (are a Self- Represented (Pro Set 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 0 Intentional 0 Buyer.Plaintiff Administrative Agencies 0 Malicious Prosecution Q Debt Collection: Credit Card 0 Board of Assessment [] Motor Vehicle Q Debt Collection: Other 0 Board of Elections 0 Nuisance Q Dept. of Transportation [] Premises Liability 0 Statutory Appeal: Other S 0 Product Liability (does not include E mass turn) 0 Employment Dispute: Discrimination El Slander/Libel/ Defamation C Q Other. 0 Employment Dispute: Other []Zoning Board � Other: ,. I Q Other: O MASS TORT 0 Asbestos N Q Tobacco Q Toxic Tort - DES 0 Toxic Tort - Implant REAL PROPERTY MISCELLANEOUS Toxic Waste [] Other: 0 Ejectment D Common Law /Statutory Arbitration 0 Eminent Domain /Condemnation 0 Declaratory Judgment 0 Ground Rent [] Mandamus 0 Landlord /Tenant Dispute Q Non- Domestic Relations 0 Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL L.IABLITY [] Mortgage Foreclosure: Commercial 0 Quo Warranto 0 Dental 0 Partition 0 Replevin Q Legal 0 Quiet Title 0 Other: ID .Medical 0 Other: 0 Other Professional: Updated 1 /1/2011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA 3 w x REMIT CORPORATION, — r - Assignee of Unifund CCR, LLC,� C Plaintiff r L _ : �c:) VS. :CIVIL -LAW C) o c=� TINA L. AVARA, DOCKET NO. 1,3 Defendant NOTICE TO DEFENDANT TO THE DEFENDANT: YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by 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 for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. 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. Pennsylvania Lawyer Referral Service Cumberland County Bar Association 100 South Street, PO Box 186 2 Liberty Avenue Harrisburg, PA 17108 Carlisle, PA 17013 800 - 692 -7375 717- 249 -3166 717- 238 -6807 RAYMO D W. KESSLER, ESQUIRE Q N,,,4 '-*k' � 4, 1A (-- �a IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff VS. CIVIL -LAW TINA L. AVARA, DOCKET NO. Defendant COMPLAINT The Plaintiff, Remit Corporation, by and through its attorney Raymond W. Kessler, Esquire, hereby files this Complaint of which the following is a statement: 1. The Plaintiff, The Remit Corporation is a Pennsylvania Corporation doing business at 36 West Main Street, P.O. Box 7, Bloomsburg, Columbia County, Pennsylvania 17815 and is the assignee of Unifund CCR, LLC. A Copy of the document assigning all relevant rights with reference to the present action to the Remit Corporation are attached hereto, incorporated herein and referred to hereafter as Exhibit A. 2. The Defendant, Tina L. Avara, is an adult individual residing at 6316 Stephens Xing, Mechanicsburg, Cumberland County, Pennsylvania 17050. 3. Defendant obtained a Citibank MasterCard credit card on or about February 20, 2008, from Citibank (South Dakota) National Association, (hereinafter "original creditor "), Account number 5424 1808 9506 7277. 4. Unifund CCR, LLC has been assigned the account of the Defendant by Unifund CCR Partners. Pursuant to Pa.R.C.P. No. 1019(1), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit B. 5. Unifund CCR Partners has been assigned the account of the Defendant by Pilot Receivables Management, LLC. Pursuant to Pa.R.C.P. No. 1019(i), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit C. 6. Pilot Receivables Management, LLC purchased the account of the Defendant from Citibank (South Dakota) National Association. Pursuant to Pa.R.C.P. No. 1019(i), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit D. 7. Defendant used the extended credit leaving an unpaid balance of $1,340.87 with interest continuing to accrue at 6.00% per annum. 8. Defendant defaulted on the payments due. 9. The last payment was made on this account on or about February 19, 2010. 10. The balance on the charge -off is $1,340.87 and post- charge off interest has accrued in the amount of $226.37 to date for a total remaining balance due of $1,567.24. 11. In consideration of the extension of credit provided by original creditor through a credit card, Defendant agreed to pay for all charges for purchases, balance transfers, cash advances, fees and interest on his /her account. 12. Defendant accepted the extension of credit and utilized the credit card without complaint, objection or dispute as to credit services provided, the prices charged for the same or the costs incurred. 13. It is averred that an implied contract exists based upon Defendant's use of the credit card and his/her payments made on the account to the original creditor. 14. Defendant's failure to pay is a breach of the implied contract between the Defendant and original creditor. 15. At all times relevant hereto, Defendant was aware that the original creditor was extending credit services to Defendant and that the original creditor expected to be paid for the Defendant's use of this credit. 16. Defendant used the credit card to purchase items, and /or transfer balances, and /or obtain cash advances and he /she received the same to Defendant's benefit. 17. The total reasonable value of the Defendant's use of the.credit extended by original creditor is $1,567.24. 18. In breach of the implied contract, Defendant has failed and refused to pay the outstanding sum for the credit card use and the same is now due and owing. 19. The Defendant has failed and refused to pay the aforementioned sum despite frequent demand to do so. 20. By virtue of Plaintiff's assignment of this account, Defendant is indebted to the Plaintiff in the amount of $1,567.24. WHEREFORE, Plaintiff, Remit Corporation, demands judgment against Defendant in the amount of $1,567.24, together with interest, costs, and such further and additional relief as this Honorable Court deems just and equitable. Respectfully submitted, Raymo d W. Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 Fax: 570- 387 -6474 ASSIGNMENT OF CLAIM PURSUANT TO PENNSYLVANIA ACT 219 OF 1990 For value received, the undersigned: Unifund CCR, LLC assigns to: The Remit Corporation doing business at: 36 W Main Street PO Box 7 Bloomsburg, PA 17815 a debt due to the undersigned from: Tina L. Avara # 823311 5424180895067277 for the sum of $1,567.24 arising from unpaid credit card services with interest accruing at 6.00% per annum. The said sum is justly due to the undersigned without offset or defense. The undersigned neither transfers to The Remit Corporation, nor expects The Remit Corporation to assume, any obligation or any liability of the assignor to the said debt. The undersigned has done nothing and will do nothing to discharge the debt or hinder its collection and hereby grants to The Remit Corporation the full power and authority, to bill and collect the aforesaid claim, in accordance with Pennsylvania Act 219 of 1990, Section 2, as it amends Title 18 regarding Section 7311, including to sue for, (in its own name, through a licensed attorney) and discharge the assigned debt. The Remit Corporation specifically agrees to comply with the Pennsylvania Act of December 17, 1968, P.L. 1224, No. 387 (known as the Unfair Trade Practices and Consumer Protection Law), and with the regulations promulgated under that Act pursuant to this assignment. Dated this day of 2013. Authorized Signature Unifund CCR, LLC EXHIBIT ASSIGNMENT THIS ASSIGNMENT is effective as of July 1, 2013 between UNIFUND CCR. PARTNERS, a New York Partnership ( "Assignor ") and UNIFUND CCR, L.LC, an Ohio limited liability company ( "Assignee "). Unless otherwise defined herein, terms used herein shall have the meanings specified in the Servicing Agreement between Assignor and Assignee (the "Agreement "). Assignor, for value received and in connection with the Agreement, transfers and assigns to Assignee all of Assignor's rights in the Receivables, for collection purposes only, including conducting litigation in Assignee's name, for those Receivables which Assignor owns or may acquire from time to time. Assignor shall retain title and ownership of such Receivables. The assignment is without recourse to Assignor and without warranty of any kind (including, without limitation, warranties pertaining to title, validity, collectability, accuracy or sufficiency of information, and applicability of any statute of limitations), except as stated in the Agreement or herein. UNIFUND CCR PARTNE RS y Morg n Sm'th Vice side of oration UNIFUND CCR, LLC K By: twnn Hopkins Manager of Legal Operations EXHIBIT ASSIGNMENT THIS ASSIGNMENT is effective as of July 1, 2013 between PILOT RECEIVABLES MANAGEMENT, LLC an Ohio limited liability company ( "Assignor ") and UNIFUND CCR PARTNERS, a New York Partnership ( "Assignee "). Unless otherwise defined herein, terms used herein shall. have the meanings specified in the Servicing Agreement between. Assignor and Assignee (the "Agreement "). Assignor, fbr value received and in connection with the Agreement, transfers and assigns to Assignee all of Assignor's rights in the Receivables, for collection purposes only, including conducting litigation in Assignee's name, for those Receivables which Assignor owns or may acquire from time to time. Assignor shall retain title and ownership of such Receivables. The assignment is without recourse to Assignor and without warranty of any kind (including, without limitation, warranties pertaining to title, validity, eollectability, accuracy or sufficiency of information, and applicability of any statute of limitations), except as stated in the Agreement or herein. PILOT RECEIVABLES MANAGEMENT, LLC. r t By: Morga Usiden th Vice P of OUation UNIFUND CCR PARTNERS By. A1,4� Autumn H.op in Manager of Legal Operations EXHIBIT a • Contract ID: UNlMUMXB032513 Document ID: 032013UNIMUIXBBI Document ID: 032013UNIMU2XBB1 Document ID: 032013UN1MU4XBB1 BILL OF SALE AND ASSIGNMENT THIS BILL OF SALE AND ASSIGNMENT, dated March 25, 2013, is by Citibank, N.A., a national banking association organized under the laws of the United States, located at 701 East 60th Street North, Sioux Falls, SD 57117 (the "Bank ") to Pilot Receivables Management, LLC, organized under the laws of the Ohio, with its headquarters /principal place of business at 10625 Techwoods Circle, Cincinnati, OH 45242 ( "Buyer "). For value received and subject to the terms and conditions of the Purchase and Sale Agreement dated March 25, 2013, between Buyer and the Bank (the "Agreement "), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns, the Accounts described in Exhibit 1 and the final electronic file. Citibank, N.A. By: (Signature) Name: Patricia Hall Title: Financial Account Manager EXHIBIT Pilot 032513 E VERIFICATION The undersigned verifies that the statements made in the foregoing Complaint are true and correct based to the best of his /her knowledge, information and belief and understands the statements therein made are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unsworn falsification to authorities. Harry A. Str, sser, III President, Remit Corporation IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff VS. CIVIL -LAW TINA L. AVARA, DOCKET NO. Defendant AFFIDAVIT OF NON - MILITARY SERVICE The Defendant is not now in the Military Service, as defined in the Soldier's and Sailor's Civil Relief Act of 1940 with amendments, and has not been in such service within thirty days hereof. Dated this +p day of Sf?k&" , 2013 RaymoM W. Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570- 387 -1873 Fax: 570- 387 -6474 Department of Defense Manpower Data Center Results as of: Aug -29- 201304:51:24 SCRA 3.0 t f r StBtim .Report f ' Pursuant tQ Sery cemembers Civil Relief Act Last Name: AVARA First Name: TINA Middle Name: Active Duty Status As Of: Aug -29 -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 Date The Member or His/Her Unit Was Notified of a Future Cell -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. 4w Mary M. Snavely- Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 - 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 /PC09SLDR.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: D44FTD741042N10 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff vs. CIVIL -LAW TINA L. AVARA, DOCKET NO. Defendant CERTIFICATION OF ADDRESSES I certify that the precise address(es) of Plaintiff and Defendant(s) are as follows: Plaintiff: Remit Corporation 36 West Main Street Bloomsburg, PA 17815 Defendant: Tina L. Avara 6316 Stephens Xing Mechanicsburg, PA 17050 Respectfully submitted, Raymond W. Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570 -387 -1873 Fax: 570- 387 -6474 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff vs. CIVIL -LAW TINA L. AVARA, DOCKET NO. Defendant _ C- C:Z T} -U :z w ^-q m XM. r" I'n CD -< > r =-n Q - ENTRY OF APPEARANCE -� cam' Kindly enter my appearance on behalf of Remit Corporation, Plaintiff, in the above captioned matter. Respectfully Submitted, RAY ND W. KESSLER, ESQUIRE Attorney ID 309802 36 W Main Street Bloomsburg, PA 17815 Phone: 570 -387 -1873 Fax: 570 -387 -6474 m c C'o :a =M r-q M'.: r —<> :) r-;;r- --4C3 Michael J. Pykosh, Esquire CJ ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(a�dplglaw,com Attorney for Defendant REMIT CORPORATION, : COURT OF COMMON PLEAS Assignee of Unifund CCR, LLC, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 13-5278 — Civil Term TINA L. AVARA, Defendant Civil Action — Law NOTICE TO PLEAD To: ReMit Corporation c/o Raymond W. Kessler, Esquire 36 West Main Street Bloomsburg, PA 17818 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Res tf bmitted, Date: Michael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(adplglaw.com Attorney for Defendant REMIT CORPORATION, : COURT OF COMMON PLEAS Assignee of Unifund CCR, LLC, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 13-5278 — Civil Term TINA L. AVARA, Defendant Civil Action — Law DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes the Defendant, Tina L. Avara, by and through her attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files her Preliminary Objections to the Plaintiff's Complaint, and avers as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account assigned to ReMit Corporation by CitiBank (South Dakota) National Association of which Plaintiff claims to be the Original Creditor. Comp. ¶ 1 & 3. 2. The Complaint was filed on September 9, 2013. First Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 3. Pa. R.C.P. 1028(a)(2) allows a party to preliminarily object to a pleading if the . pleading fails to conform to law or rule of court. 1 4. Pursuant to Pa. R.C.P. 1019(h) Plaintiff failed to indicate if the Agreement in question is oral or written. 5. Plaintiff's Complaint fails to conform to Pennsylvania Rules of Civil Procedure. 6. Pursuant to Pa. R.C.P. 1019(1) Plaintiff has failed to attach a copy of the complete writing, more specifically the Loan/Credit Agreement, or the material part thereof, or, in the alternative, state,-with the reason that the writing or copy thereof is not accessible to the Plaintiff and the substance of the writing in violation of Pa. R.C.P. 1019(1). Remit Corporation v Miller, 5 Pa. D&C 5th 43. Second Preliminary Objection- Pa.R.C.P. No. 1028(a)(2) Failure to Conform to Rule of Court 7. The Plaintiff is not the original creditor, but rather assignee of the original creditor. Comp. ¶ 1 and 3. Since the Plaintiff's right to maintain an action as an assignee is predicted upon written assignment or agency agreement, that writing must be attached to the Complaint, pursuant to Pa. R.C.P. 1019(i). 8. By failing to attach a copy of the complete assignment and complete chain of assignments of the debt to the Plaintiff, the Complaint does not comply with an express rule of court, in violation of Pa. R.C.P. 1028(a)(2). Remit Corporation v Miller 5 Pa. D&C 5th 43 and Capital One Bank v. Clevenstine, 7 Pa. D&C 5th 153. 9. "Exhibits "A" through "D", of Plaintiff's Complaint, which purport to be the chain of Assignments or Bills of Sale, fail to identify Defendant's account. Arrow Financial Svcs v Witmer 59 Cumb 154 (2010). Third Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 2 10.Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection based upon the failure of a pleading to conform to law or rule of court or inclusion of scandalous or impertinent matter. 11.Plaintiff's Complaint is based upon a contract. 12.Plaintiff asserts a cause of action based upon an account stated theory of recovery. 13.An account stated theory of recovery is not applicable in credit card cases. Capital One Bank (USA) NA v Cleverstine, 7 Pa. D&C 5t" (Ct. Com. PI. Centre County 2009). JMMM PC Company v Patricia Stillwagon 2011 Pa. D&C Dec. Lexis 24 (Luzerne County). 14.Plaintiff in pleading account stated cause of action is not permitted to escape pleading requirements otherwise applicable. CitiBank (South Dakota, N.A.) v Xenofon Skaboulos, No. 09-8676 (Cumberland County). Fourth Preliminary Objection- Pa. R.C.P. No. 1028(a)(3) Insufficient Specificity in a Pleading 16.The Complaint contains only a general assertion of the amount the Plaintiff claims is owed by the Defendant. It provided insufficient detail as to the date(s) on which the debts were incurred, the amounts incurred on each date, the dates or amounts of payments, nor dates of accrual and amounts of interest charges and other fees. 17.Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included in a Complaint of this type. 18.By not including the requisite detail of the account, the Complaint fails to conform to an express rule of Court. 3 Fifth Preliminary Objection- Pa. R.C.P. No. 1028(a)(4) Demurrer to Court 19.Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach of Contract and Account Stated. 20.Plaintiff has failed to fulfill the pleading requirements for an account stated cause of action. Discover Bank v David J McAlicher, No. 13-0020 (Cumberland County). Sixth Preliminary Objection- Pa. R.C.P. 1028(a)(5) Plaintiff is stranger to Defendant 21.Pa. R.C.P. 2002(a) required that an action be brought by the real party in interest. 22.By failing to attach a complete copy of the necessary writings by which the Plaintiff would become the assignee or owner of the account and thus the real party in interest or an agency agreement, the Plaintiff has failed to conform with the requirements of the aforesaid rule. 23.Plaintiff has not demonstrate standing or capacity to sue Defendant. 24.Since this matter was not brought by the real party in interest it must be dismissed. WHEREFORE, the Defendant respectfully requests that her Preliminary Objections be sustained, and that Plaintiff's Complaint be dismissed with prejudice. Respectfully Subm' ed, Date: 9-'18"- 13 Michael J. ykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 4 Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(D- plglaw,com Attorney for Defendant REMIT CORPORATION, : COURT OF COMMON PLEAS Assignee of Unifund CCR, LLC, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 13-5278 — Civil Term TINA L. AVARA, Defendant Civil Action — Law CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant's Preliminary Objections to Plaintiffs Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: ReMit Corporation c/o Raymond W. Kessler, Esquire 36 West Main Street Bloomsburg, PA 17818 Respectfully Submitted, Date: 7— —122 Michael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 5 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson �r 1-J j Sheriff T Jody S Smith 4 3: -E2 Chief Deputy -V, Richard W Stewart 'UMBEF1,41,10 Cbut:;T- Solicitor PENNSYEVA�11A Remit Corporation Case Number vs. 2013-5278 Tina L.Avara SHERIFF'S RETURN OF SERVICE 09/30/2013 05:22 PM- Deputy Shawn Gutshall, 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: Tina L.Avara at 6316 Stephens Crossing, Hamden Township, Mechanic I u p PA 17050. § (JTSHALL�, UTY SHERIFF COST: $61.90 SO ANSWERS, October 01, 2013 RON R ANDERSON, SHERIFF r S IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, : —i Assignee of Unifund CCR, LLC, : Plaintiff .c • c� r vs. : CIVIL-LAW ,cam ..r c,-,1 t-1 TINA L. AVARA, : DOCKET NO. 13-5278-CIVIL P.R ra ....41 3 Defendant . -4 r 3 -< —i ...< NOTICE TO DEFENDANT TO THE DEFENDANT: YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty(20) days after this Complaint and Notice are served by entering a written appearance personally or by 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 for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. 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. Pennsylvania Lawyer Referral Service Cumberland County Bar Association 100 South Street, PO Box 186 2 Liberty Avenue Harrisburg, PA 17108 Carlisle, PA 17013 800-692-7375 717-249-3166 717-238-6807 RAYM;ND W. KESSLER, ESQUIRE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA • REMIT CORPORATION, • Assignee of Unifund CCR, LLC, • Plaintiff vs. : CIVIL-LAW TINA L. AVARA, : DOCKET NO. 13-5278-CIVIL Defendant AMENDED COMPLAINT The Plaintiff, Remit Corporation, by and through its attorney Raymond W. Kessler, Esquire, hereby files this Complaint of which the following is a statement: 1. The Plaintiff, The Remit Corporation is a Pennsylvania Corporation doing business at 36 West Main Street, P.O. Box 7, Bloomsburg, Columbia County, Pennsylvania 17815 and is the assignee of Unifund CCR, LLC. A Copy of the document assigning all relevant rights with reference to the present action to the Remit Corporation are attached hereto, incorporated herein and referred to hereafter as Exhibit A. 2. The Defendant, Tina L. Avara, is an adult individual residing at 6316 Stephens Xing, Mechanicsburg, Cumberland County, Pennsylvania 17050. 3. Defendant obtained a Citibank MasterCard credit card on or about February 20, 2008, from Citibank(South Dakota)National Association, (hereinafter"original creditor"), Account number 5424 1808 9506 7277. 4. Unifund CCR, LLC has been assigned the account of the Defendant by Unifund CCR Partners. Pursuant to Pa.R.C.P. No. 1019(i), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit B. 5. Unifund CCR Partners has been assigned the account of the Defendant by Pilot Receivables Management, LLC. Pursuant to Pa.R.C.P. No. 1019(i), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit C. 6. Pilot Receivables Management, LLC purchased the account of the Defendant from Citibank(South Dakota)National Association. Pursuant to Pa.R.C.P. No. 1019(i), a copy of the written agreement is attached hereto, incorporated herein and referred to hereafter as Exhibit D. 7. Defendant used the extended credit leaving an unpaid balance of$1,340.87 with interest continuing to accrue at 6.00%per annum. 8. Defendant defaulted on the payments due. 9. The last payment was made on this account on or about February 19, 2010. 10. The balance on the charge-off is $1,340.87 and post-charge off interest has accrued in the amount of$226.37 to date for a total remaining balance due of$1,567.24. 11. Copies of statements showing purchases and payments on this account are attached hereto, incorporated herein and referred to hereafter as Exhibits E-N. 12. In consideration of the extension of credit provided by original creditor through a credit card, Defendant agreed to pay for all charges for purchases,balance transfers, cash advances, fees and interest on his/her account. 13. Defendant accepted the extension of credit and utilized the credit card without complaint, objection or dispute as to credit services provided, the prices charged for the same or the costs incurred. 14. It is averred that an implied contract exists based upon Defendant's use of the credit card and his/her payments made on the account to the original creditor. 15. Defendant's failure to pay is a breach of the implied contract between the Defendant and original creditor. 16. At all times relevant hereto, Defendant was aware that the original creditor was extending credit services to Defendant and that the original creditor expected to be paid for the Defendant's use of this credit. 17. Defendant used the credit card to purchase items, and/or transfer balances, and/or obtain cash advances and he/she received the same to Defendant's benefit. 18. The total reasonable value of the Defendant's use of the credit extended by original creditor is $1,567.24. 19. In breach of the implied contract, Defendant has failed and refused to pay the outstanding sum for the credit card use and the same is now due and owing. 20. The Defendant has failed and refused to pay the aforementioned sum despite frequent demand to do so. 21. By virtue of Plaintiff's assignment of this account, Defendant is indebted to the Plaintiff in the amount of$1,567.24. WHEREFORE, Plaintiff, Remit Corporation, demands judgment against Defendant in the amount of$1,567.24, together with interest, costs, and such further and additional relief as this Honorable Court deems just and equitable. Respectfully submitted, Raym nd W. Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 Fax: 570-387-6474 ASSIGNMENT OF CLAIM PURSUANT TO PENNSYLVANIA ACT 219 OF 1990 For value received, the undersigned: Unifund CCR,LLC assigns to: The Remit Corporation doing business at: 36 W Main Street PO Box 7 Bloomsburg, PA 17815 a debt due to the undersigned from: Tina L. Avara # 823311 5424180895067277 for the sum of$1,567.24 arising from unpaid credit card services with interest accruing at 6.00%per annum. The said sum is justly due to the undersigned without offset or defense. The undersigned neither transfers to The Remit Corporation, nor expects The Remit Corporation to assume, any obligation or any liability of the assignor to the said debt. The undersigned has done nothing and will do nothing to discharge the debt or hinder its collection and hereby grants to The Remit Corporation the full power and authority, to bill and collect the aforesaid claim, in accordance with Pennsylvania Act 219 of 1990, Section 2, as it amends Title 18 regarding Section 7311, including to sue for, (in its own name, through a licensed attorney) and discharge the assigned debt. The Remit Corporation specifically agrees to comply with the Pennsylvania Act of December 17, 1968, P.L. 1224, No. 387 (known as the Unfair Trade Practices and Consumer Protection Law), and with the regulations promulgated under that Act pursuant to this assignment. Dated this day of , 2013. Authorized Signature Unifund CCR, LLC EXHIBIT ASSIGNMENT THIS ASSIGNMENT is effective as of July 1, 2013 between UNIIFUND CCR PARTNERS, a New York Partnership ("Assignor") and UNIFUND CCR, LLC,an Ohio limited liability company("Assignee"). Unless otherwise defined herein, terms used herein shall have the meanings specified in the Servicing Agreement between Assignor and Assignee(the "Agreement"). Assignor, for value received and in connection with the Agreement, transfers and assigns to Assignee all of Assignor's rights in the Receivables, for collection purposes only, including conducting litigation in Assignee's name, for those Receivables which Assignor owns or may acquire from time to time. Assignor shall retain title and ownership of such Receivables. The assignment is without recourse to Assignor and without warranty of any kind (including, without limitation, warranties pertaining to title,validity, collectability, accuracy or sufficiency of information, and applicability of any statute of limitations), except as stated in the Agreement or herein. UNIFUND CCR PARTNERS By: ► a�r Are. Morg Sm th Vice • -sid of P.eration UNIFUND CCR,LLC By: IA . tumn Hopkins IF Manager of Legal Operations EXHIBIT ASSIGNMENT THIS ASSIGNMENT is effective as of July 1, 2013 between PILOT RECEIVABLES MANAGEMENT,LLC an Ohio limited liability company("Assignor") and UNIFUND CCR PARTNERS,a New York Partnership("Assignee"). Unless otherwise defined herein,terms used herein shall have the meanings specified in the Servicing Agreement between.Assignor and Assignee(the"Agreement"). Assignor, for value received and in connection with the Agreement, transfers and assigns to Assignee all of Assignor's rights in the Receivables, for collection purposes only, including conducting litigation in Assignee's name, for those Receivables which Assignor owns or may acquire from time to time. Assignor shall retain title and ownership of such Receivables. The assignment is without recourse to Assignor and without warranty of any kind(including, without limitation,warranties pertaining to title,validity, collectability, accuracy or sufficiency of information, and applicability of any statute of limitations), except as stated in the Agreement or herein. PILOT RECEIVABLES MANAGEMENT,LLC BY: ( 0 .4a Morga ith Vice P idea-of•• ation UNIFUND CCR PARTNERS 1 A/. BY: //1 . /�_� Autumn Hop ink Manager of Legal Operations EXHIBIT • • Contract ID: UNIMUMXBO32513 Document ID:032013UN1MU1XBB 1 Document ID:032013UN 1 MU2XBB 1 Document ID:032013UN1MU4XBB1 BILL OF SALE AND ASSIGNMENT THIS BILL OF SALE AND ASSIGNMENT, dated March 25, 2013, is by Citibank, N.A., a national banking association organized under the laws of the United States, located at 701 East 60th Street North, Sioux Falls, SD 57117 (the "Bank") to Pilot Receivables Management, LLC, organized under the laws of the Ohio, with its headquarters/principal place of business at 10625 Techwoods Circle, Cincinnati,OH 45242("Buyer"). For value received and subject to the terms and conditions of the Purchase and Sale Agreement dated March 25, 2013, between Buyer and the Bank (the "Agreement"), the Bank does hereby transfer, sell, assign, convey, grant, bargain, set over and deliver to Buyer, and to Buyer's successors and assigns,the Accounts described in Exhibit 1 and the final electronic file. 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U Er Pal,.laapi Mric),Inl paid :LIPP'#------- Detach and follow payment instructions on reverse Make check payable toCIti Cards 05424180895067277 0137432 0137432 0008000 0519 New Balance: Prin;changes of aderess,phone number or email below.' Account Number: $1,374.32 5424 1808 9506 7277 Minimum Payment Due: Amount Enclosed: $1,374.32 Payment Due Date: ros scridc pa^rnaY 00000,0,may usc 1!t,cont.:yOu P3yI1lf,I, pork!be received by 5:00 PM 11/03/2010 ifb.yt,your....IC We,Yay aiso inc yew al11,111 bdfa,S.5 Ita.v.,. local time on toe payment doe date. aqati::,f,a.fr,li,,,,,,atia po,,Iroa ena se:vion yo,r.,,,,fir,,,,,1 000000 MC 34 A 0 TINA L AVARA 6316 STEPHENS XING CM CARDS MECHANICSBURG PA 17050-2338 P.O.BOX 182564 COLUMBUS,OH 43218-2564 EXHIBIT i M VERIFICATION The undersigned verifies that the statements made in the foregoing Complaint are true and correct based to the best of his/her knowledge, information and belief and understands the statements therein made are made subject to the penalties of 18 Pa.C.S. sec. 4904 relating to unworn falsification to authorities. Harry A. Str ,sser, III President, Remit Corporation IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA • REMIT CORPORATION, • Assignee of Unifund CCR, LLC, • Plaintiff • vs. : CIVIL-LAW TINA L. AVARA, : DOCKET NO. 13-5278-CIVIL Defendant AFFIDAVIT OF NON-MILITARY SERVICE The Defendant is not now in the Military Service, as defined in the Soldier's and Sailor's Civil Relief Act of 1940 with amendments, and has not been in such service within thirty days hereof. Dated this3O day of , 2013 Ra and W. Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 Fax: 570-387-6474 Department of Defense Manpower Data Center Results as of:Oct-29-2013 06:32:50 SCRA 3.0 7 °.; Starts Report Pursuant to Servicemembers Civil Relief Act Last Name: AVARA First Name: TINA Middle Name: L Active Duty Status As Of: Oct-29-2013 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 Data Active Duty End Data 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 Date 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. Ault Mary M.Snavely-Dixon,Director Department of Defense-Manpower Data Center 4800 Mark Center Drive,Suite 04E25 Arlington,VA 22350 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/PC09SLDR.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: W565C9F5P0B1Y20 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, • Plaintiff • • vs. : CIVIL-LAW TINA L. AVARA, : DOCKET NO. 13-5278-CIVIL Defendant CERTIFICATE OF SERVICE 5� I, Raymond W. Kessler, Esquire, do hereby certify that on; J/ it 1 12O13 I served a true and correct copy of Plaintiff's Amended Complaint upon the Attorney for Defendant by U.S. mail, first class, post pre-paid, to the following: Michael J. Pykosh, Esquire Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 Respectfully submitted, Raymo W. Kessler, Esquire Attorney ID 309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 Fax: 570-387-6474 iL UNTY SY CVAUTA Michael J. Pykosh, Esquire I D#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh dplglaw,com Attorney for Defendant REMIT CORPORATION, : COURT OF COMMON PLEAS Assignee of Unifund CCR, LLC, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 13-5278 — Civil Term TINA L. AVARA, Defendant Civil Action — Law NOTICE TO PLEAD To: ReMit Corporation c/o Raymond W. Kessler, Esquire 36 West Main Street Bloomsburg, PA 17818 You are hereby notified to plead to the enclosed Preliminary Objections within twenty (20) days from the date of service hereof or a default judgment may be entered against you. Respectfully Sub itted, Date: 41 /0 Michael J. ykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant Michael J. Pykosh, Esquire I D#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(c-)dplglaw.com Attorney for Defendant REMIT CORPORATION, : COURT OF COMMON PLEAS Assignee of Unifund CCR, LLC, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 13-5278 — Civil Term TINA L. AVARA, Defendant Civil Action — Law DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S AMENDED COMPLAINT AND NOW, comes the Defendant, Tina L. Avara, by and through her attorneys Dethlefs-Pykosh Law Group, LLC, by Michael J. Pykosh, Esquire, who files her Preliminary Objections to the Plaintiff's Amended Complaint, and avers as follows: 1. Plaintiff filed suit against Defendant alleging that Defendant owes money to Plaintiff arising out of an account assigned to ReMit Corporation by CitiBank (South Dakota) National Association of which Plaintiff claims to be the Original Creditor. Comp. % 1 & 3. 2. The Complaint was filed on September 9, 2013. 3. On September 18, 2013, Defendant filed Preliminary Objections to Plaintiff's Complaint. 4. On or about November 1, 2013, Plaintiff filed an Amended Complaint. First Preliminary Objection - Pa. R.C.P. 1028(a)(2) 1 Failure to Conform to Law or Rule of Court 5. Pa. R.C.P. 1028(a)(2) allows a party to preliminarily object to a pleading if the pleading fails to conform to law or rule of court. 6. Pursuant to Pa. R.C.P. 1019(h) Plaintiff failed to indicate if the Agreement in question is oral or written. 7. Plaintiffs Amended Complaint fails to conform to Pennsylvania Rules of Civil Procedure. 8. Pursuant to Pa. R.C.P. 1019(1) Plaintiff has failed to attach a copy of the complete writing, more specifically the Loan/Credit Agreement, or the material part thereof, or, in the alternative, state, with the reason that the writing or copy thereof is not accessible to the Plaintiff and the substance of the writing in violation of Pa. R.C.P. 1019(1). Remit Corporation v Miller, 5 Pa. D&C 5th 43. Second Preliminary Objection- Pa.R.C.P. No. 1028(a)(2) Failure to Conform to Rule of Court 9. The Plaintiff is not the original creditor, but rather assignee of the original creditor. Am. Comp. ¶ 1 and 3. Since the Plaintiff's right to maintain an action as an assignee is predicted upon written assignment or agency agreement, that writing must be attached to the Complaint, pursuant to Pa. R.C.P. 1019(1). 10.By failing to attach a copy of the complete assignment and complete chain of assignments of the debt to the Plaintiff, the Complaint does not comply with an express rule of court, in violation of Pa. R.C.P. 1028(a)(2). Remit Corporation v Miller 5 Pa. D&C 5th 43 and Capital One Bank v. Clevenstine, 7 Pa. D&C 5th 153. 2 11."Exhibits "A" through "D", of Plaintiffs Amended Complaint, which purport to be the chain of Assignments or Bills of Sale, fail to identify Defendant's account. Arrow Financial Svcs v Witmer 59 Cumb 154 (2010). Third Preliminary Objection - Pa. R.C.P. 1028(a)(2) Failure to Conform to Law or Rule of Court 12.Pursuant to Pa. R.C.P. 1028(a)(2), a party may file a Preliminary Objection based upon the failure of a pleading to conform to law or rule of court or inclusion of scandalous or impertinent matter. 13.Plaintiff's Amended Complaint is based upon a contract. 14.Plaintiff asserts a cause of action based upon an account stated theory of recovery. 15.An account stated theory of recovery is not applicable in credit card cases. Capital One Bank (USA) NA v Cleverstine, 7 Pa. D&C 5t" (Ct. Com. PI. Centre County 2009). JMMM PC Company v Patricia Stillwagon 2011 Pa. D&C Dec. Lexis 24 (Luzerne County). 16.Plaintiff in pleading account stated cause of action is not permitted to escape pleading requirements otherwise applicable. CitiBank (South Dakota, N.A.) v Xenofon Skaboulos, No. 09-8676 (Cumberland County). Fourth Preliminary Objection- Pa. R.C.P. No. 1028(a)(3) Insufficient Specificity in a Pleading 16.The Amended Complaint contains only a general assertion of the amount the Plaintiff claims is owed by the Defendant. It provided insufficient detail as to the date(s) on which the debts were incurred, the amounts incurred on each date, the dates or 3 amounts of payments, nor dates of accrual and amounts of interest charges and other fees. 17.Pa. R.C.P. No. 1019 and Pa. R.C.P. 1028(a)(3) require that the above detail be included in a Complaint of this type. 18.By not including the requisite detail of the account, the Amended Complaint fails to conform to an express rule of Court. Fifth Preliminary Objection- Pa. R.C.P. No. 1028(a)(4) Demurrer to Court 19.Plaintiff has failed to allege facts sufficient to maintain a cause of action for Breach of Contract and Account Stated. 20.Plaintiff has failed to fulfill the pleading requirements for an account stated cause of action. Discover Bank v David J McAlicher, No. 13-0020 (Cumberland County). Sixth Preliminary Objection- Pa. R.C.P. 1028(a)(5) Plaintiff is stranger to Defendant 21.Pa. R.C.P. 2002(a) required that an action be brought by the real party in interest. 22.By failing to attach a complete copy of the necessary writings by which the Plaintiff would become the assignee or owner of the account and thus the real party in interest or an agency agreement, the Plaintiff has failed to conform with the requirements of the aforesaid rule. 23.Plaintiff has not demonstrate standing or capacity to sue Defendant. 24.Since this matter was not brought by the real party in interest it must be dismissed. 4 WHEREFORE, the Defendant respectfully requests that her Preliminary Objections be sustained, and that Plaintiff's Amended Complaint be dismissed with prejudice. Respec�yull Submitted, Date: t 1 j is ael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 5 Michael J. Pykosh, Esquire ID#58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, Pennsylvania 17011 Telephone—(717)975-9446 Fax—(717)975-2309 mpykosh(aD-dplglaw.com Attorney for Defendant REMIT CORPORATION, : COURT OF COMMON PLEAS Assignee of Unifund CCR, LLC, : CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff V. No: 13-5278 — Civil Term TINA L. AVARA, Defendant Civil Action — Law CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Defendant's Preliminary Objections to Plaintiff's Amended Complaint, was hereby served by depositing the same within the custody of the United States Postal Service, First Class, postage prepaid, addressed as follows: ReMit Corporation c/o Raymond W. Kessler, Esquire 36 West Main Street Bloomsburg, PA 17818 Respectfully Submitted, Date: is ael J. Pykosh, Esquire I.D. # 58851 Dethlefs-Pykosh Law Group, LLC 2132 Market Street, Camp Hill, PA 17011 (717) 975-9446 Attorney for Defendant 6 ti IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff CIVIL-LAW VS. DOCKET NO. 13-5278-CIVIL TINA L. AVARA, teo "* C__ j Z+a Defendant rn tom" t PLAINTIFF'S ANSWER TO DEFENDANT'S PRELIMINARY OBJECTIONS '° " . ^a =C) c.. NOW COMES the Plaintiff,by and through its attorney, Raymond W. Kessler " ` Esquire, and files this Response to Defendant's Preliminary Objections as follows: 1. Admitted in part and denied in part. It is admitted that Plaintiff filed suit against Defendant to recover a debt incurred by Defendant on a Citibank(South Dakota) National Association credit card account. It is specifically denied that Plaintiff claims to be the original creditor. By way of further answer, Plaintiff clearly articulated that Citibank(South Dakota)National Association was the original creditor and Plaintiff, Remit Corporation, has been assigned the account by Unifund CCR, LLC. Plaintiff's Complaint, Paragraphs 1, 4, 5 and 6 detail the chain of title of Defendant's account and included three(3) Assignments and one (1) Bill of Sale in support thereof. 2. Admitted. 3. Admitted. 4. Admitted. By way of further answer, Plaintiff filed an Amended Complaint on November 4, 2013. t 5. Admitted. 6. Paragraph 6 states a legal conclusion to which no response is required. To the extent a response is required, Plaintiff has filed suit on an implied contract theory. 7. Paragraph 7 states a legal conclusion to which no response is required. 8. Paragraph 8 states a legal conclusion to which no response is required. To the extent a response is required, Plaintiff has filed suit on an implied contract theory. 9. Paragraph 9 states a legal,conclusion to which no response is required. To the extent a response is required, Plaintiff has met the requirements of Pa.R.C.P. 1019(i)by providing the Bill of Sale or Assignment for each step in the chain of title and Plaintiff's averment that Defendant's account was included in the transaction. The alternative would be to include the Exhibit for every account included in each transaction. These Exhibits contain confidential information of hundreds or possibly thousands of consumers which have no relevance to this action, and it is not appropriate to attach it to a public pleading. 10. Paragraph 10 states a legal conclusion to which no response is required. To the extent a response is required, see Paragraph 9 above. 11. Admitted. See Paragraph 9 above. 12. Admitted. 13. Admitted. It is admitted that Plaintiff's Amended Complaint is based upon a type of contract theory. By way of further answer, Plaintiff's claim is based upon an implied contract theory. 14. Admitted. 15. Paragraph 15 states a legal conclusion to which no response is required. 16. Both Paragraph 16s state a legal conclusion to which no response is required. 17. Paragraph 17 states a legal conclusion to which no response is required. 18. Paragraph 18 states a legal conclusion to which no response is required. 19. Paragraph 19 states a legal conclusion to which no response is required. 20. Paragraph 20 states a legal conclusion to which no response is required. 21. Admitted. 22. Paragraph 22 states a legal conclusion to which no response is required. 23. Paragraph 23 states a legal conclusion to which no response is required. 24. Paragraph 24 states a legal conclusion to which no response is required. WHEREFORE, Plaintiff respectfully requests that this Honorable Court overrule the Defendant's Preliminary Objections and direct the Defendant to respond to the Complaint. Respectfully submitted, Rayrn d W. Kessler, Esquire Attorney for Plaintiff PA ID #309802 36 West Main Street Bloomsburg, PA 17815 Phone: 570-387-1873 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY COMMONWEALTH OF PENNSYLVANIA REMIT CORPORATION, Assignee of Unifund CCR, LLC, Plaintiff CIVIL-LAW VS. DOCKET NO. 13-5278-CIVIL .TINA L. AVARA, Defendant CERTIFICATE OF SERVICE 1, Raymond W. Kessler, Esquire, do hereby certify that on served a true and correct copy of Plaintiff's Response to Preliminary Objections upon the Attorney for Defendant by U.S. mail, first class,post pre-paid, to the following: Michael J. Pykosh, Esquire 2132 Market Street Camp Hill, PA 17011 Raymo d W. Kessler, Esquire Attorney for Plaintiff PA ID #309802 36 West Main Street Bloomsburg,PA 17815 Phone: 570-387-1873