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Home My WebLink About13-6619 Supreme C,� ;,. Pennsylvania ' Cour �1f m °.inPleas � � � � t . ,� e €. a _� ?_ CI i : :et DIY°,, \ . CLIMB ' > , County �� , Y The information collected on this form is used solely for court administration purposes. This form does not su••lement or re,lace the filin: and service of•leadin:s or other •a'ers as re,uired by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑Petition ❑ Transfer from Another Jurisdiction ❑Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES,LLC MICHELLE KRUSE Are money damages requested? El Yes ❑ No Dollar Amount Requested: X within arbitration limits to (Check one) _outside arbitration limits ' o Is this a Class Action Suit? ❑Yes ® No Is this an MDJAppeal? ❑ Yes ® No Name of Plaintiff/Appellant's Attorney: Robert N.Polas,Jr./Carrie Brown/Mark R. Garvey ❑ Check here if you have no attorney (are a Self-Represented [Pro Se] Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ 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 ___________ ______ __ __ mass tort) ❑ Employment Dispute: ____ ___ ❑ Slander/Libel/Defamation Discrimination ❑ Zoning Board ❑ Other: ❑ Employment Dispute: Other ❑ Other: ❑ Other: MASS TORT ❑ Asbestos ❑ Tobacco El Tort-DES REAL PROPERTY MISCELLANEOUS ( ❑ Toxic Tort-Implant ❑ Ejectment ❑ Common Law/Statutory Arbitration ktskA ❑ Toxic Waste ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment I=1 Other: ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations — ❑ Mortgage Foreclosure:Residential Restraining Order --------- ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: ., iit 12-83723 , Robert N. Polas, Jr.,Esquire PA Bar#201259 Carrie Brown,Esquire PA Bar#94055 Mark R. Garvey,Esquire PA Bar# 312686 -L r r` Portfolio Recovery Associates,LLC ' 120 Corporate Blvd :j13 <, Norfolk, VA 23502 r„ -3 011: L 7 TELE: 1-866-428-8102 CUMBERLAND COUNTY FAX: (757) 518-0860 PENNSYLVANIA 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. l 3- J Plaintiff, • v. • MICHELLE KRUSE • 1154 REDWOOD DR •• CARLISLE PA 17013 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 / 12-83723 V j f,#. 31,40,9‘03 Oiggsoos 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. MICHELLE KRUSE 1154 REDWOOD DR CARLISLE PA 17013 • 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 0 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 0 GRATIS. Lawyer Referral Service-CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle,PA 17013 (717) 249-3166 12-83723 Esta comunicacion es de un cobrador de deudas y es un intent do cobrar una deuda. Cualquier infromacion sera utilizada para ese proposito. • Robert N. Polas,Jr.,Esquire PA Bar#201259 • Carrie Brown,Esquire PA Bar#94055 Mark R. Garvey, Esquire PA Bar# 312686 Portfolio Recovery Associates,LLC 120 Corporate Blvd Norfolk,VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PA CIVIL ACTION-LAW • PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD • NORFOLK,VA 23502 Plaintiff, No. • v. MICHELLE KRUSE 1154 REDWOOD DR CARLISLE PA 17013 • • 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,MICHELLE KRUSE, is an adult individual with last known address of 1154 REDWOOD DR, CARLISLE PA 17013. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK/WAL-MART on June 3,2004 with account number************1351 (hereafter referred to as "Account"). A copy of the account history is attached here to and collectively marked as Exhibit "A." 4. By using the Account,Defendant agreed to repay any incurred balances and/or charges made to the Account pursuant to the terms and conditions governing said Account. Failure to pay Defendant's incurred charges on the Account is considered a default. 5. At all relevant times material hereto,Defendant has used said Account for the purchase of products, goods and/or for obtaining services. This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 6. Defendant was provided with copies of the Statements of Account showing all debits and credits • for transactions on the aforementioned Account to which there was no bonafide objection by Defendant. 7. Defendant was in default with respect to that debt for failure to make the required payments on the Account. The last payment made on this Account was on March 8,2011. 8. Plaintiff is the purchaser,assignee and/or successor in interest GE CAPITAL RETAIL BANK/ WAL-MART and Plaintiff is now the holder of the Account. A true and correct copy of the Plaintiffs verification is attached hereto and collectively marked as Exhibit"A." 9. As of the date within Complaint,the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of $4,692.49. 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, MICHELLE KRUSE , in the amount of 4,692.49,plus costs of this action and any other relief as the Court deems just and reasonable. Carrie A. Brown,Esquire, #94055 Robert N. Polas, Jr., Esquire,#201259 i Mark R. Garvey, Esquire,#312686 Attorneys for Plaintiff 12-83723 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, Itina Spellman 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 unswom falsification to authorities. OCT 0 8 201 Date: By: dØ"frL� Itina Spellman Custodian of Records 12-83723 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. EXHIBIT 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 : ************1351 MICHELLE KRUSE Account Holder: MICHELLE KRUSE 1154 REDWOOD DR CARLISLE PA 17013 Consumer Account Product Code: PVT Issuer: GE CAPITAL RETAIL BANK/WAL-MART Assignee: Portfolio Recovery Associates,LLC Account Number: ************1351 Date Account Opened: June 3, 2004 Date of Last Payment: March 8, 2011 Date of Charge Off: September 29, 2011 Balance at Purchase: $4,692.49 Purchase Date: June 27, 2012 Balance at Charge-Off: $4,692.49 Less Payments: $.00 Balance Due: $4,692.49 12-83723 GECP18 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. GESP17 • GECP18 GECP19 EXHIBIT A BILL of SALE For value received and in further consideration of the mutual covenants and conditions set forth in the Receivables Purchase Agreement(the "Agreement"), dated as June 20. 2012,by and between General Electric Capital Corporation, GE Capital Retail Bank, GEMB Lending, Inc., Monogram Credit Services, L.L.C., RFS Holding, L.L.C. and GEM Holding, L.L.C. (collectively "Seller") and Portfolio Recovery Associates,LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement, to the extent of its ownership, the Receivables as set forth in the Notification File (as defined in the Agreement), delivered by Seller to Buyer prior to such Purchase Date, and as further described in the Agreement. • GE Capital Retail Bank 2 By � y f✓ Title: Glenn Marino-Executive Vice President General Electric Capital Corporation By: � yv . Title: Glenn Marino-Vice President GEMB Lending, Inc. By: Title: Monogram Credit Services,L.L.C., By: Title: Glenn Marino-President 28 EXHIBIT A BILL of SALE For value received and in further consideration of the mutual covenants and conditions set forth in the Receivables Purchase Agreement(the"Agreement"), dated as June 20, 2012,by and between General Electric Capital Corporation, GE Capital Retail Bank, GEMB Lending, Inc.,Monogram Credit Services, L.L.C., RFS Holding, L.L.C. and GEM Holding, L.L.C. (collectively"Seller") and Portfolio Recovery Associates, LLC ("Buyer"), Seller hereby transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without recourse except as set forth in the Agreement,to the extent of its ownership, the Receivables as set forth in the Notification File (as defined in the Agreement), delivered by Seller to Buyer prior to such Purchase Date, and as further described in the Agreement. GE Capital Retail Bank By: Title: General Electric Capital Corporation By: Title: GEMB Lending, Inc. By: c-c - Title: D,kg-re R--_. Monogram Credit Services,L.L,C., By: Title: 28 ,�- � .,_ .� sx-,: x #5 e•.a E is S� � 3`�.�#:'' � :t i° 7. + r-°r'�_:.:.... n 4a�. RFS I-lding, L.L.C. By\. � Title: Vishal Gulati-CFO GF�M 1 olding, Title: Vishal Gulati-CFO 29 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson v �_ t �,,4„ Sheriff -, r �OVdt��, Jody S Smith Chief Deputy 91`131401-125 PH 4-. 03 Richard W Stewart (U'UMBEPLQND COUNT`; Solicitor "�� ` `"° ' ` PENNSYLVANIA Portfolio Recovery Associates, LLC Case Number vs. Michelle Kruse 2013-6619 SHERIFF'S RETURN OF SERVICE 11/19/2013 07:05 PM - Deputy Noah Cline, 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: Michelle Kruse at 1154 Redwood Drive, Carlisle Borough, Carlisle, PA 17013. NOAH CLINE, DEPUTY SHERIFF COST: $34.78 SO ANSWERS, 6Z, November 20, 2013 RbNrrY R ANDERSON, SHERIFF TC;:o ft ..._,.