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Home My WebLink About13-6087 Suoreme Coa�rt4of,Pennsylvania s , , > Cour f Com �n Pleas P ,l or. 4 VA For Prothonotary Use Only: THME STAMP C1T i1XOVe1J,` a eet Docket No: CUM' . I:• 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 a ers as required by law or rules of court. Commencement of Action: S [@ Complaint Q Writ of Summons ❑ Petition E p Transfer from Another Jurisdiction ❑ Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: C PORTFOLIO RECOVERY ASSOCIATES, LLC STEVEN M KRZYZOSIAK T O Are money damages requested? ®Yes El No Dollar Amount Requested: X within arbitration limits (Check one) outside arbitration limits L — Is this a Class Action Suit? ❑ Yes ®No Is this an MDJAppeal? Q Yes ®No Name of Plaintiff /Appellant's Attorney: Robert N. Polas, Jr./ Carrie Brown/ Mark R. Garvey Q Check here if you have no attorney (are a Self- Represented [Pro Sel 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 Q Nuisance ® Debt Collection: Other ❑ Dept. of Transportation ❑ Premises Liability — -- ❑ Statutory Appeal: Other ❑ Product Liability (does not include - - -_ -- — S mass tort) ❑ Employment Dispute: ---- - - - - -- E ❑ Slander /Libel /Defamation Discrimination ❑ Zoning Board ❑ Other: ❑ Employment Dispute: Other ❑ Other: T- - - - -- — - -- I E] Other: MASS TORT _ Q ❑ Asbestos N ❑ Tobacco E] Toxic Tort -DES REAL PROPERTY MISCELLANEOUS • Toxic Tort - Implant ❑ Ejectment [3 Common Law /Statutory Arbitration B ❑ Toxic Waste C] Eminent Domain /Condemnation ❑ Declaratory Judgment • Other: C] Ground Rent ❑ Mandamus ❑ Landlord /Tenant Dispute ❑ Non- Domestic Relations -- ❑ Mortgage Foreclosure: Residential Restraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental p Other: - - -- — ❑ Legal — - - -- -- -- ❑ Medical ❑ Other Professional: — 12 -88525 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 1 L ED - d F F ICE Mark R. Garvey, Esquire PA Bar # 312686 _1f 1 i PRO T ONO - I - A � • Portfolio Recovery Associates, LLC 120 Corporate Blvd t =LI13 OCT 16 AN 11: 37 Norfolk, VA 23502 CUMBERLAND COUNTY TELE: 1- 866 - 428 -8102 FAX: (757) 518 -0860 PENNSY Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD [ NORFOLK, VA 23502 No. Plaintiff, V. STEVEN M KRZYZOSIAK 616 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Defendant. NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action withing twenty (20) days after this Complaint and Notice are served, by entering a written appearance, personally or by an attorney, and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice of any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service - CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 C 12- 88525` 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. STEVEN M KRZYZOSIAK 616 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Demandado. NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o obejciones a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamdo en la Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LAMME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USED NO PUEDE PAGARLE A UN ABOGADO, . ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS ELGIBLE UN HONORARIO REDUCIDO O GRATIS. Lawyer Referral Service - CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249 -3166 12 -88525 Esta coni.unicacion. es de un cobrad.or de deudas y es un .intent do cobrar ima deuda.. Cualquie.r .infromaci.on scra util. €zada para case 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. STEVEN M KRZYZOSIAK 616 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Defendant. COMPLAINT 1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with offices located at 120 Corporate Blvd, Norfolk, VA 23502. 2. Defendant, STEVEN M KRZYZOSIAK, is an adult individual with last known address of 616 WALNUT BOTTOM RD, SHIPPENSBURG PA 17257. 3. It is averred that Defendant was indebted to HSBC BANK NEVADA, N.A. / CAPITAL ONE BANK (USA), N.A / AMERITECH on January 30, 2010 with account number * * * * * * * * * ** *0446 (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 COJTIMLInication is from a debt collector and is an attempt to collect a debt. Any information 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 November 30, 2011. 8. Plaintiff is the purchaser, assignee and/or successor in interest HSBC BANK NEVADA, N.A. / CAPITAL ONE BANK (USA), N.A / AMERITECH 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 $3,460.09. 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, STEVEN M KRZYZOSIA the amount o 3,460.09, plus costs of this action and any other relief as the Court deems jus nd re onable. Carrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 12 -88525 This communication is from. a cleft collector and is an atteDlpt to collect a debt. A.ny in.formati.on obtained w.11.1 be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, N OWILaDOMM 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: 9 /3OI Gl/�J By: WWI La Dcmcia Custodian of Records 12 -88525 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. IBI 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: * * * * * * * * * ** *0446 STEVEN M KRZYZOSIAK Account Holder: STEVEN M KRZYZOSIAK 616 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Consumer Account Product Code: MC Issuer: HSBC BANK NEVADA, N.A. / CAPITAL ONE BANK (USA), N.A / AMERITECH Assignee: Portfolio Recovery Associates, LLC Account Number: * * * * * * * * * ** *0446 Date Account Opened: January 30, 2010 Date of Last Payment: November 30, 2011 Date of Charge Off: July 31, 2012 Balance at Purchase: $3,460.09 Purchase Date: August 15, 2012 Balance at Charge -Off: $3,460.09 Less Payments: $.00 Balance Due: $3,460.09 12 -88525 HSBP61 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. ASSIGNMENT AND BILL OF SALE 08/10/2012 Reference is made to that certain Purchase and Sale Agreement as of 03/28/2012 ( "Agreement ") for the sale of Accounts and Account Documents described therein to Portfolio Recovery Associates, LLC, (hereinafter called "Purchaser "), upon the terms and conditions set forth in that Agreement. WHEREAS, HSBC Bank Nevada, N.A., HSBC Bank USA, N.A., HSBC ; Receivables Acquisition Company I, HSBC Receivables Acquisition Corporation (USA) III, and HSBC Receivables Acquisition Corporation (USA) IV (collectively, "HSBC ") sold the Accounts described in Schedule 1 attached hereto to Capital One, National Association ( "Seller") in connection with the transactions contemplated under that certain Purchase and Assumption Agreement among HSBC Finance Corporation, HSBC USA Inc., HSBC Technology and Services (USA) Inc. and Capital One Financial Corporation, dated August 10, 2011, as amended from time to time. NOW THEREFORE, for good and valuable consideration, Seller hereby sells, assigns, and transfers to Purchaser, its successors and assigns, all of Seller's rights, title, and interest in each and every one of the Accounts described in the Agreement and in Schedule 1 attached hereto, as of the date first written above. Purchaser and Seller agree that the Purchase Price shall be as stated in Section 3 of the Agreement. Purchaser acknowledges and agrees that (i) Seller did not originate any of the Accounts and, prior to May 1, 2012, did not service any of the Accounts, and (ii) Seller's internal policies and procedures for servicing accounts including, but not limited to, charge -off, credit bureau reporting, fraud, and billing disputes policies may be different than the charge -off policies and procedures of HSBC. Purchaser acknowledges and agrees that Seller may deliver an Affidavit of Sale of Accounts by Creditor in lieu of an Affidavit of Sale of Accounts by Original Creditor. This Assignment and Bill of Sale may be executed in two or more counterparts, each of which shall be deemed an original, but all of which shall constitute but one instrument. RESTRICTED IN WITNESS WHEREOF, the parties have signed and delivered this instrument on 0812712012. Capital One, National Association Signed . By: J B Title: Vice President Portfolio Recovery Associates, LLC Signed By: By: i ? Title: RESTRICTED SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff tit cul ah"'t Jody S Smith N Chief Deputy Richard W Stewart Solicitor Portfolio Recorvery Associates, LLC vs. Case Number Steven M Krzyzosiak 2013-6087 SHERIFF'S RETURN OF SERVICE 10/24/2013 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Steven M Krzyzosiak, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint&Notice as"Not Found"at 616 Walnut Bottom Road, South Hampden Township, Shippensburg, PA 17257. Deputies were advised by the current tenant and the landlord that the defendant moved in March and the Shippensburg Postmaster provided a forwarding address of 1566 Orrstown Road, Shippensburg, PA which is located in Franklin County. SHERIFF COST: $50.60 SO ANSWERS, October 24, 2013 RONN?R ANDERSON, SHERIFF <<;!Ccun!ySui e Sheri K:?e eoscfi..inc, Carrie A. Brown, Esquire R&ert N. 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 VA HI 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. 13-6087 Civil V. STEVEN M KRZYZOSIAK 616 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued wit prejudice. Res ct I ubmitte , 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 12-88525 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 Rabert N. 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. 13-6087 Civil V. STEVEN M KRZYZOSIAK 616 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue upon ST VEN M KRZYZOSIAK, by First Class Mail, Postage Pre-Paid, a copy thereof on thl day to: STEVEN M KRZYZOSIAK, 616 WALNUT BOTTOM PPENSBUR 7257 12-88525 o ert 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.