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HomeMy WebLinkAbout13-6083 Supreme Coulhit�of.,Pennsylvania Cour f 000 n Pleas r � For Prothonotary Use Only: TIME STAMP C I: 'rOVP et Y Docket No: CU The information collected on this form is used solely for court administration purposes. This form does not supplement or replace thefiling and service o leadin s or other papers as required by law or rules of court. Commencement of Action: 5 ® Complaint ❑ Writ of Summons ❑ Petition E ❑ Transfer from Another Jurisdiction ❑Declaration of Taking C Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES, LLC KHALIQUE AFSAR GHANI T+ I Dollar Amount Requested: X within arbitration limits 0 j Are money damages requested. ®Yes ❑ No q ( (Check one) outside arbitration limits N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJAppeal? ❑ Yes ® No A Name of Plaintiff/Appellant's Attorney: Robert N. Polas, Jr./ Carrie Brown/ Mark R. Garvey ❑ Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Credit Card ❑ Board of Elections ❑ Nuisance ® Debt Collection: Other ❑ Dept. of Transportation ❑ Premises Liability ❑ Statutory Appeal: Other ❑ Product Liability (does not include S mass tort) [I Employment Dispute: E ❑ Slander/Libel/Defamation Discrimination ❑ Zoning Board C ❑ Other: ❑ Employment Dispute: Other E] Other: T El Other: I MASS TORT Q ❑ Asbestos N ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - DES F] Toxic Tort - Implant E] Ejectment E] Common Law /Statutory Arbitration B ❑ Toxic Waste E] Eminent Domain/Condemnation El Declaratory Judgment ❑ Other: ❑ Ground Rent E] Mandamus ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Restraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: 13 -89983 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 O Mark R. Garvey, Esquire PA Bar # 312686 T HE o THo d 1 , Portfolio Recovery Associates, LLC rn D� 120 Corporate Blvd 2 "" OCT 1 6 AH i f : 1 6 Norfolk, VA 23502 TELE: 1- 866 - 428 -8102 E'ENNS`�11�4QA COUNTY 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 No. (Q 0 Plaintiff, V. KHALIQUE AFSAR GHANI 504 SANDPIPER LN NEW CUMBERLND PA 17070 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 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 I 13- 89983(` �y Q This communication is from a debt collector and is an attempt to collect a debt. �� G 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. KHALIQUE AFSAR GHANI 504 SANDPIPER LN NEW CUMBERLND PA 17070 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 Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 13 -89983 Esta comunicacion es de un cobrador de deudas y es un intent do cobras una deuda. Cualquier inlromacion sera util.izada 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. KHALIQUE AFSAR GHANI 504 SANDPIPER LN NEW CUMBERLND PA 17070 Defendant. COMPLAINT 1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 120 Corporate Blvd, Norfolk, VA 23502. 2. Defendant, KHALIQUE AFSAR GHANI, is an adult individual with last known address of 504 SANDPIPER LN, NEW CUMBERLND PA 17070. 3. It is averred that Defendant was indebted to MBNA / FIA CARD SERVICES, N.A. / * * * * * * * * * ** *2256 on August 31, 2000 with account number * * * * * * * * * ** *3449 (hereafter referred to as "Account "). A copy of the account history is attached here to and collectively marked as Exhibit "A." 4. By using the Account, Defendant agreed to repay any incurred balances and/or charges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used f'or 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 July 16, 2012. 8. Plaintiff is the purchaser, assignee and/or successor in interest MBNA / FIA CARD SERVICES, N.A. / * * * * * * * * * ** *2256 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 $11,810.40. 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, KHALIQUE AFSAR GHANI , i the amount of 11,810.40, plus costs of this action and any other relief as the Court deems just d a nable. a ie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 13 -89983 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, D onna Dangerfield 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 unworn falsification to authorities. Date: SE 1913 By: Donn angerfi Custodian of Records 13 -89983 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. XHIBIT 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 w...,,� Norfolk, VA 23502 Telephone: 1- 866- 428 -8102 Fax: (757) 518 -0860 Statement of Account Account * * * * * * * * * ** *3449 KHALIQUE AFSAR GHANI Account Holder: KHALIQUE AFSAR GHANI 504 SANDPIPER LN NEW CUMBERLND PA 17070 Consumer Account Product Code: MC Issuer: MBNA / FIA CARD SERVICES, N.A. / * * * * * * * * * ** *2256 Assignee: Portfolio Recovery Associates, LLC Account Number: * * * * * * * * * ** *3449 Date Account Opened: August 31, 2000 Date of Last Payment: July 16, 2012 Date of Charge Off: February 28, 2013 Balance at Purchase: $11,810.40 Purchase Date: March 28, 2013 Balance at Charge -Off: $11,810.40 Less Payments: $.00 Balance Due: $11,810.40 13 -89983 BOAR87 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Ronk-af A thOri ca . OMIT,., ., BILI bF SAtE A`-4 ASS10NMENT` C1F LEANS THIS. BILL. OF SALE AND ASSIGN MENT OF LOANS -is xmdo' and entered ;into between P0,WFOLI© R1l C ,M,v A.SSQ0ATESi LL (° urcha et ") and"FlA CARD SERVICES, to the Loan Sale Agreement dated March 25 2013 {the " Agreemenf 'j entered into `between Purchaser and Seller. I . Capitalizeii terms no #; dfired herein, shail;.have tte satte.mearairig as defined ri the Agreement: (a)- In consideration of the payments;made pursuatrt to the A greemgit afid such other good and valuahle. consWeratron, the receipt aid legal sufficiency of _vs�h ch ale hereby acknowledged, Sirller dgirs,hereby sell, transfer, convey,, assign and.deliver to Purchaser all of Seller's1fight, title rand interest in and to each alf ofihe Loans; as included on the, eiectran c f, 0, referenced its S.el edule 1 of "the:L.oanAgreeri ent as BAiQ Fresh P12A . Sale File d3:2 1 inal:irlsx, +ithout ieeoui 5e and withtiut;:representatiOn o r Wat"ranty of'any type, kind, eharacter;or• nature 's or mpliecl,,:except:as sped ealIy provided m the Agreement Arid subject to Buyer's °andellef's. repiircl►ase rights as `set forth in'the Agreeiz�erit.; (b) Purt;haser hereby accepts Such $ale, transfer, czSnveyarce, assrgiitnent, del very`of`th e I;oans, n![ [ ing without 1in�itation the right to all principal; i nterest or otherproceeds cif any'knd with respect to' the :Loans remaining'due and,owing as of the Cut- OffDa`te applicable t such Leans, (c) Nothing in this:$ill of Sale and Assignment of Loans shall be. deemed to mollify, limit or amend any of the, righill of Sale ai d As "sig�metit Qf moans shall. W or abligattons of Purchaser, i t Selle�r'uxiddf the Agreement. 'Phis: B inure"to the benefit Of, and be biding upon, the-respective, permittedsuccessors and.assigns of Seller and Purchaser and shall be governed by and corjstrued and mtepreted in accordance with the Agreement and tlie.taws :vfthe State df Delaware, w�ffi a regard to such state's princifrles t f:cvnfli is of law., (d) This Bill of Sale - and Assignment_ Of, Laa s may be a #ecuted.by facsimile or eleotrori c transmission in xniiltiple cot hterparts, each of which: shall'be ate orlginal,'but together shal.fconsfitute one =and the�same::instrument Il1T.WI'1f'NES;; `4 EItEE?F, each Party =.through its duly auth6tiwd�,officer, has-caused this Bill ofSaleand Assignment of Loan& io be executed:tn their: name this 78` -Jay of March, 20 L. SELLEWASSIGNOR BUYERIASSIGNEE.: ) 'IA +GARD;SERVi<CES N A,, PORTFOLIG,RECOVERY ASSOCIATES LLG $y: B, Names _Debra L Pelleciaro Ititame: , Title. Vice Present Title:' soz,.s.o�8 cl :Fresh 3,�25f33 Bam�S�.Amerie�:tlsset9ales YSeerGeld m, e. 35, aPer MTill R iiad, ]dew�rk, AE i Pankof America. EI3l<T BILL .OF SALE ADD AS IIG�IMENT M W ARR THIS ,]3 AI 0'$414 :AN]) ASS1<CNi1'IEI�l`T'. ©F ,LOANS ys made and. entered into between► P0RUOLI0 RECOVERY ASSOCUTES, LLC ("Pure , s "� and FIA CARD SERVICES, N:A. (`` }, pursuant to the Loan Sale. Agreement ,dated March 25 2013 .(the `� " emetif) entered into t etween .Purcha'sei nor Selle "r,: Capitat�zed terrris not defined herein,, shalt have the same rneariiag,as:44he' d in the,Agreement {a) Iri cvrlsideratton „of:the payments',made pursuannt to the;Agreement and such othcr:goad and'valuable consideration; the receipt and legal sufficiency of which are hereby acknowledged, Seller does hereby sell transfer, convey, assign and deliver to Purchaser all of Seller's fight, title and interest in and`to each ghd allofthe Loans:, as t� cTuded, on the electronic file referenced in Schedule I of the. Loazi::Agreeriaent as `BAC. Fresh; PRA Sale, File 0313 FinaI.xbx without recourse.,and without representation or warmty of any t� pe, kind, character nature, ex , pross or ; Ertphed 'except i as spee`i jcally provided in=ure Agreement, and subject to: Btry er's and Seller's; repurchase rights as:se "t forth in the. ,A ' fie it.' (b)° Purchaser Hereby accepts such sale, transfer, oo iveyar ce, assignment; .and &H.Ver cif the ;Loans; including without limitation the right to all principal; interest or other proceeds of any kind with respect tc - q*t�nps remainyng due arxd ovvvig. as o f the but -U.ff. Date applicable fo :such Loans. (c) Nothing in this Ball of Sale and Assignment of toant shall be�;deerned to modify, lirrikoramenda ny of the rights; or obligations of Purchaserar Seller under the Agreement. This 'BMW ;Sale and Assignment :of:Loans:shall: inure ;to thebbenet`tf of, and be binding upon, the respective, permitted sttccesstirs and assigns of Se ller anclPurcliaser and $hall be'governed by and consm_ed,and interpreted. in aect?r lance with the,Agreement. id the�laWs:.af the State: of Dela**, without regard: to. such :staWs principles Hof confliets.,of law: (d ?, This $ill of gale unit Assignment of s.may be executed by. facsimile or electronic transmission in tnuItiple°.counterparts, each otwhich shall bean original, but together shall constitute c?ne aztd the same instruiiment ICIWITNESS WHEREOF, each partyi,through its authorized officer, has caused this 'Bill of Sale and Assignment of Loanstq be executed in their name this 28` day cif MaTCh, 2Q13. SELLER/ASSIGf?R: BITYEI2lASSI NEE; MA CART? SERVICE N.A.: 'POR' FlyO LIO :RE+COVWX,ASaSQCIOES,I,. By By Nitric; ae biLLIelli ceyaro Name:; Title; Vic Psident _ Title:: Pal;; a4ss: Frits. 3125f13 Bar►kofAn rca Sales �eeifield.IIT; B6f Pa�ier NL11,Fioar,.23ewatl�:DE 19't]I Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire ,� ` ? i ,� Mark R. Garvey, Esquire - �•� �, Attorney ID #94055/201259/312686 THO �TA Portfolio Recovery Associates, LLC �` � � ; 120 Corporate Blvd Norfolk, VA 23502 $ R�-ANO COU TY Attorneys for Plaintiff PENNS YZVANIA 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. 13-6083 Civil v. KHALIQUE AFSAR GHANI 504 SANDPIPER LN NEW CUMBERLND PA 17070 Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinu-. 'thout prejudice. es • Submitte:, 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 13-89983 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Carrie A. Brown, Esquire RobertN. Polas Jr, Esquire Mark R. Garvey, Esquire Attorney ID #94055/201259/312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC • 120 CORPORATE BLVD • NORFOLK, VA 23502 • Plaintiff : No. 13-6083 Civil v. • KHALIQUE AFSAR GHANI • 504 SANDPIPER LN NEW CUMBERLND PA 17070 • Defendant • CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue upon KHALI•UE AFSAR GHANI,by First Class Mail, Postage Pre-Paid, a copy thereof on this `/ day of � , ? , to: KHALIQUE AFSAR GHANI, 504 SANDPIPER LN,NE i MBERLND P. 170 /, 13-89983 'obert 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 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.