Loading...
HomeMy WebLinkAbout13-6717 Supreme Co -art of Pennsylvania Court�f Com 'on Pleas ', i ; :, For Protlionotary Use Only: 'i ,O E S I'A %1p C eel Docket NO: Y � � 4 f CUMB� �I�ArN '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 of pleadings or other a ers as required by law or rules of court. S Commencement of Action: E Complaint ❑ Writ of Summons [j Petition C ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking T Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES, LLC ANN PAYNE f� Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits N (Check one) outside arbitration limits A ! 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 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. 1 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 a Debt Collection: Credit Card ❑ Board of Elections ❑ Nuisance ® Debt Collection: Other ❑ Dept. of Transportation ❑ Premises Liability -- ❑ Statutory Appeal: Other S ❑ Product Liability (does not include E mass tort) ❑ Employment Dispute: — ❑ Slander /Libel /Defamation Discrimination ❑ Zoning Board C ❑ Other: ❑ Employment Dispute: Other ❑ Other: I ❑ Other: - 0 MASS TORT _ N ❑ Asbestos ❑ Tobacco j ❑ Toxic Tort -DES REAL PROPERTY MISCELLANEOUS B C] Toxic Tort - Implant ❑ Ejectment ❑ Common Law /Statutory Arbitration ❑ Eminent Domain /Condemnation + E] Toxic Waste ❑Declaratory Judgment ❑ Other: [3 Ground Rent E] Mandamus ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations I – -- ❑ Mortgage Foreclosure: Residential Restraining Order - - -- ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto 1 ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: _ ❑ Legal ❑ Medical ❑ Other Professional: — �'� • • `— 14 -23523 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown Esquire PA Bar # 94055 v - �•! i� j. i. 1.J 1 �1 +.31 Y0 ]• "ttS ;iP Mark R. Garvey, Esquire PA Bar # 312686 Portfolio Recovery Associates, LLC .'w li 13 120 Corporate Blvd Norfolk, VA 23502 C(,( {,ISERLAND COUNTY TELE: 1- 866 - 428 -8102 PENN S YLVA NI A 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 ( No V � NORFOLK, VA 23502 ✓ ✓✓ Plaintiff, V. ANNPAYNE 1245 MEANS HOLW 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 14 -23523 �1��• U /1 3 e) + a�►�► 3v 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. ANN PAYNE 1245 MEANS HOLW 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 1NFORMACION 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 14 -23523 E4t.a co un.icfacim) es de un cobrador dz deudas y es Lit) inten-t do cobr,ar una, deuda. Cualquier infromaci.on sera ittil..izada para ese propos to. 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. ANN PAYNE 1245 MEANS HOLW 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, ANN PAYNE, is an adult individual with last known address of 1245 MEANS HOLW RD, SHIPPENSBURG PA 17257. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK / LOWE'S on October 14, 2004 with account number ************3944 (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 f om a debt collector and is an attempt to collect a debt. Any Mfoi- rnation obtained MR be used fior 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 July 24, 2012. 8. Plaintiff is the purchaser, assignee and /or successor in interest GE CAPITAL RETAIL BANK / LOWE'S 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 $7,089.04. 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, ANN PAYNE , in the amount of , 9.04, plus co f this action and any other relief as the Court deems just and reasonable. Carrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 14 -23523 This cojurn )ication is from a debt collector and is an attempt to collect a debt. An.y .iriformadon obtained will. be used for that purpose, VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Shirley Gareia 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: OCT 2.4 2013 B LA 2 Shirley cia Custodian of Records 14 -23523 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION COVER SHEET Plaintiff(s) PORTFOLIO RECOVERY ASSOCIATES, LLC Case Number: assignee of GE CAPITAL RETAIL BANK ( LOWE'S _ 120 CORPORATE BLVD NORFOLK, VA 23502 Type of pleading: Civil Complaint Code and Classification: Commencement of Action Filed on behalf of: Portfolio Recovery Associates, LLC assignee of GE CAPITAL RETAIL BANK / LOWE'S (Name of the filing party) Vs ® Counsel of Record ❑ Individual, If Pro Se Defendant(s) Name, Address and Telephone Number: ANN PAYNE Carrie A. Brown, Esq., PA Bar 94055 1245 MEANS HOLw RD Robert N. Polas, Jr., Esq., PA Bar 201259 SHIPPENSBURG PA 17257 Mark R. Garvey, Esq., PA Bar 312686 120 Corporate Blvd Norfolk, VA 23502 Telephone: 1- 866 -428 -8102 Attorney's State ID: Attorney's Firm ID: 14 -23523 X IBIT A This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. PORTFOLIO RECOVERY ASSOCIATES, LLC 120 Corporate Blvd /J r Norfolk, VA 23502 t Telephone: 1- 866 - 428 -8102 Fax: (757) 518 -0860 Statement of Account Account: * * * * * * * * * ** * 3944 ANN PAYNE Account Holder: ANN PAYNE 1245 MEANS HOLW RD SHIPPENSBURG PA 17257 Consumer Account Product Code: PVT Issuer: GE CAPITAL RETAIL BANK / LOWE'S Assignee: Portfolio Recovery Associates, LLC Account Number: * * * * * * * * * ** *3944 Date Account Opened: October 14, 2004 Date of Last Payment: July 24, 2012 Date of Charge Off: February 15, 2013 Balance at Purchase: $7,089.04 Purchase Date: March 26, 2013 Balance at Charge -Off: $7,089.04 Less Payments: $.00 Balance Due: $7,089.04 14 -23523 GECR90 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. GE Capita! PRA PLCC Fresh -- March 2013 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement "), dated as of this 13 day of December, 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 Files (as defined in the Agreement), delivered by Seller to Buyer on March 26, 2013, and as further described in the Agreement. GE Capital Retail Sank Monogram Credit Services, L.L.C. Glenn Marino Glenn Marino Title: EVP Title: President y Z/-ZS Date: - ��`� — l 3 Date: General Electric Capital Corporation RFS Holding, L.L.0 By! i. r° B Glenn Marino Joseph Ressa Title: Vice P esident Title: CFO Date: — J 3 Date: GEMB Lending, Inc. GEM Holding, L.L,C By: By: Stephen Motta Joseph Ressa Title: Director Title: CF4 Date: Date: Fl o 149 rd �Nw GE Capital PRA PLCC Fresh — March 2013 For value received and in further consideration of the mutual covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement "), dated as of this 1P day of December, 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 Files (as defined in the Agreement), delivered by Seller to Buyer on March 26, 2013, and as further described in the Agreement. GE Capital Retail Bank Monogram Credit Services, L.L.C. By: By: Glenn Marino Glenn Marino Title: EVP Title: President Date: Date: General Electric Capital Corporation RFS Holding, L.L.C. By: By: Glenn Marino Joseph Ressa Title: Vice President Title: CFO Date: Date: GEMB Lendin , Inc. GEM Holding, L.L.0 r By: B t a Stephen Joseph Ressa Title: Director Title: CFO Date: Date: G 6cP,9o- zor i GE Capita! PRA PLCC Fresh — March 2013 For value received and in further consideration of the mutual',' covenants and conditions set forth in the Forward Flow Receivables Purchase Agreement (the "Agreement "), dated as of this 13 ' day of December, 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 Files (as defined in the Agreement), delivered by Seller to Buyer on March 26, 2013, and as further described in the Agreement. GE Capital Retail Bank Monogram Credit Services, L.L,C. By: By: Glenn Marino Glenn Marino Title: EVP Title: President Date: Date: General Electric Capital Corporation RF lding,: L.L.0 By: By: Glenn Marino Joseph R s Title: Vice President Title: CFO Date: Date: y Z L• I GEMB Lending, Inc. GEM oldirig L:L.0 . By: By: Q4 Ae— Stephen Motta Joseph R s Title: Director Title: CFO Date: Date: �c•�90 : 3 �� 3 LOWe'S Credit ANN M PAYNE Card Account Account Number 944 Visit us atwww.lowes.com /credit Customer Service: 1- 800 -568 -0156 Summary of Account Activity Payment Information Previous Balance $7,089.04 New Balance $0.00 - Payments $0.00 Amount Past Due $0.00 - Other Credits $7,089.04 Total Minimum Payment Due $1,634.00 + Purchases /Debits $0.00 Payment Due Date 02/1712013 • Fees Charged $0.00 Late Payment Warning:lf we do not receive your • Interest Charged $0.00 minimum payment by the date listed above, you may have New Balance $0.00 to pay a late fee up to $35.00. Credit Limit $6,100.00 Available Credit $0.00 Statement Closing Date 02/1512013 Days in Billing Cycle 27 Transaction Summary Tran Dale Post Date Reference Number/ Description of Transaction or Credit Amount Invoice Number 02/15 02/15 CHARGE OFF ACCOUNT - PRINCIPALS ($5,777.24) 02/15 02/15 CHARGE OFF ACCOUNT *FINANCE CHARGES' ($1,311.80) FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 02/15 02/15 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2013 Totals Year -to -Date Total Fees Charged in 2013 $0.00 Total Interest Charged in 2013 $143.14 Total Interest Paid in 2013 $0.00 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Expiration Annual Balance Subject Interest Balance Type of Balance Date Percentage Rate To Interest Rate Charge Method Current Transactions Regular Purchases NA 24.99% $0.00 $0.00 2D Transactions on or before 1210512010 Regular Purchases NA 22.99% $0.00 $0.00 2D PAYMENT DUE BY 5 P.M. (ET) ON THE DUE DATE NOTICE: We may convert your payment into an electronic debit. See reverse for details, Billing Rights Information and other important information. 7009 X5G 1 3 17 130215 Z PAGE 1 of 3 9299 0010 5002 OICX7009 Detach and mail this portion with your check. Do not include any correspondence with your check. — I Account Number 944 Total Minimum Amount Payment Payment Due Past Due Due Date $1,634.00 $0.00 02/17/2013 $0.00 Payment Enclosed: s [I El F1 11 Fl. F1 F1 Please use blue or black ink. New address or email? Print changes on back. ANN M PAYNE 1245 MEANS HOLLOW RD SHIPPENSBURG PA 17257 -9478 Make Payment to: LOWE'S /GECRB P.O. BOX 530914 ATLANTA, GA 30353 -0914 Important Account Information If your account has a deferred interest promotion and you would like us to apply a payment on your account in a different way, please call Customer Service to discuss other options that may be available. 7009 X5G 1 3 17 130215 Z PAGE 2 of 3 9294 0010 5002 01CX7009 ' ����U��"� ����U��� d�� CUMBERLAND ��o������ SHERIFF'S" �� ��" . "=~~~ ��. ~=~�x°v����"�^�"�"�~� COUNTY . Ronny RAnde ` /uwx 3ho/ 7 �F �L � � M/c T HE p�OT�ONO�T ARY Jody SSmbh -m ri Chief Deputy ' 7013NAV20 AQ411; 07 Richard VVStewart "'Uy4A�A T� Solicitor w��E CT��Swcm�p ~~' COUNTY PENNSYLVANIA Portfolio ReoomeryAsunciateo. LLC vs. Case Number Ann Marie Payne | 2013'6717 SHERIFF'S RETURN OF SERVICE 11/1512013 03:36 PM- Deputy Ryan Burgett, being duly sworn according to law, served the requested Complaint& Notice by handing atnue copy hoa person representing themselves bo be Rocky Payne, husband,who / accepted as"Adult Person in Charge"for Ann Marie Payne at 1245 Means Hollow Road, Southampton Townohip. Shippenaburg. PA 17257. ^ SHERIFF COST: $50.57 SO ANSWERS, November 18. 2O13 RONWR ANDERSON, SHERIFF (G)CountySuite shori*rcleo=ftInc. Carrie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Attorney ID#94055/201259/312686 Portfolio Recovery Associates, LLC 120 1 VA Corporate F`+ r 4) f 2 4 Attorneys for Plaintiff PE E S ce D Coll e. NIA 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. 13-6717 CIVIL v. ANN PAYNE 1245 MEANS HOLW RD SHIPPENSBURG PA 17257 Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued • hout prejudice. Re •ec ill Submitte• AC/ / •pert 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 14-23523 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 Robert 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. 13-6717 CIVIL v. ANN PAYNE 1245 MEANS HOLW 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 ANN PAYNE, by First Class Mail, Postage Pre-Paid, a copy thereof on this day of peti , 2014, to: ANN PAYNE, 1245 MEANS HOLW RD, SHIPPENSB . ' . PA 17257 / /// 14-23523 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 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.