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Home My WebLink About13-7200 Supreme Ca ;< A ,Pennsylvania Cour f Gem ,` n Pleas \ \� 0 �{)r onvtary (jn J, \ " CLIMB 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. Commencement of Action: \ ® Complaint ❑ Writ of Summons ❑ Petition \ ❑ Transfer from Another Jurisdiction E] Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES, LLC CAROLINE LOY Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits (Check one) outside arbitration limits " " -" I -- 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 -Re resented Pro Se Litigant) ❑ Y Y( P I l 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 \� y g 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 \\ \x' E] Malicious Prosecution ❑Board of Assessment ❑ Motor Vehicle o 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 Other: E] Zoning Board o ❑ ❑ Employment Dispute: Other ❑ Other: ❑ Other: MASS TORT i ❑ Asbestos 1 �@ , ❑Tobacco ❑Toxic Tort -DES REAL PROPERTY MISCELLANEOUS • El Toxic Tort - Implant El Ejectment ❑ Common Law /Statutory Arbitration ❑Toxic Waste E] Eminent Domain /Condemnation El Declaratory Judgment ❑ Ground Rent ❑ Other: E] Mandamus ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations �� k - -- - -- ❑ Mortgage Foreclosure: Residential Restraining Order - - -- - - - -- ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Partition [I Replevin \ PROFESSIONAL LIABILITY ❑ Quiet Title E] Other: AN ❑Dental ❑ Other: F1 Medical -- - - - - -- — - - - - -- - -- ' ❑ Other Professional: 13 -18264 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 F1 # E;�; - J F I C t Portfolio Recovery Associates, LLC t ; ' , r- °'' (-- { 1 � ^� r' '' / i'iC S'1UTH0M0 1Ai5 120 Corporate Blvd Norfolk, VA 23502 N1 DEC - 5 AM # B ' 31 TELE: 1- 866 - 428 -8102 FAX: (757) 518 -0860 CU MBERLAND COU Attorneys for Plaintiff P ' i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD 2 �a� r U I NORFOLK, VA 23502 No. Plaintiff, V. CAROLINE LOY 120 BOSLER AVE LEMOYNE PA 17043 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 13 -18264 a 9009; 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. CAROLINE LOY 120 BOSLER AVE LEMOYNE PA 17043 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 -18264 Esta coinunicacion es de u1i cobrador de deudas y es un inteiat do cobrar una deuda. Cualquier infroinacion 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. CAROLINE LOY 120 BOSLER AVE LEMOYNE PA 17043 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, CAROLINE LOY, is an adult individual with last known address of 120 BOSLER AVE, LEMOYNE PA 17043. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK / JC PENNEY on June 6, 2010 with account number ************4631 (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 coxmmu €7i.cation is from a debt collector and is an atternpt 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 September 30, 2011. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE CAPITAL RETAIL BANK / JC PENNEY 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 $1,328.81. 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 P Y re q Plaintiff and against Defendant, CAROLINE LOY , in the a4of .8 1, p lus co 7 s action and any other relief as the Court deems just and reasonable. Carrie A. B own, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 ✓ Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 13 -18264 This cominwiicatio .ii is fi - om 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, Nobel LaDouceur 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: NOW I F 2013 By: Mohael La Douceur Custodian of Records 13 -18264 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 Norfolk, VA 23502 Telephone: 1- 866 - 428 -8102 Fax: (757) 518 -0860 Statement of Account Account: * * * * * * * * * ** *4631 CAROLINE LOY Account Holder: CAROLINE LOY 120 BOSLER AVE LEMOYNE PA 17043 Consumer Account Product Code: PVT Issuer: GE CAPITAL RETAIL BANK / JC PENNEY Assignee: Portfolio Recovery Associates, LLC Account Number: * * * * * * * * * ** *4631 Date Account Opened: June 6, 2010 Date of Last Payment: September 30, 2011 Date of Charge Off: April 13, 2012 Balance at Purchase: $1,328.81 Purchase Date: May 31, 2012 Balance at Charge -Off: $1,328.81 Less Payments: $.00 Balance Due: $1,328.81 13 -18264 GEC084 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. GECO84 GE Capital BILL of SALE PRA Fresh — May 2012 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 the 6 1 day of January, 2012 by and between General Electric Capital Corporation, GE Money 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 May 30, 2012, and as further described in the Agreement. General Electric Capital Corporation GEMB Lending, Inc. By: �� ---- .__ _.... By: Title: Glenn Marino -Vice President Title: Stephen Motta- Director GE Capital Retail Bank Monogram Credit Services, L.L.C. By: � - ... By: Title: Glenn Marino -EVP Title: Glenn Marino- President RFS Holding, L.L.C. GEM Holding, L.L.C. By: By: Title: Vishal Gulati -CFO Title: Vishal Gulati -CFO GE Capital BILL of SALE PRA Fresh — May 2012 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 the 6' day of January, 2012 by and between General Electric Capital Corporation, GE Money 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 May 30, 2012, and as further described in the Agreement. General Electric Capital Corporation GEMB Lending, Inc. By: BY: Title: Glenn Marino -Vice President Title: Stephen Motta- Director GE Capital Retail Bank Monogram Credit Services, L.L.C. By: By: Title: Glenn Marino -EVP Title: Glenn Marino - President RFS Holding, L.L.C. GEM Holding, L.L.C. I By: By: V��___ —.–c Title: pKkov L(,( "�� Title: _ ~ v P GE Capital BILL of SALE PRA Fresh — May 2012 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 the 6` day of January, 2012 by and between General Electric Capital Corporation, GE Money 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 May 30, 2012, and as further described in the Agreement. General Electric Capital Corporation GEMB Lending, Inc. By: By: Title: Glenn Marino -Vice President Title: Stephen Motta- Director GE Capital Retail Bank Monogram Credit Services, L.L.C. By: By: Title: Glenn Marino -EVP Title: Glenn Marino- President RFS Holding, L.L.C. GEM Holding, L.L.C. By: By: Title: Vishal Gulati -CFO Title: Vishal Gulati -CFO SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff sstr a G-arartbr t i.. f'p''t 1:1i' ; Jody S Smith 4' Chief Deputy 01;!,: —8 # : t £- Richard W Stewart 'l ` ,ia i Jr.f Solicitor M, h - � 1a€ Y Vt'l NIA Portfolio Recorvery Associates, LLC vs. Case Number Caroline C. Loy 2013-7200 SHERIFF'S RETURN OF SERVICE 01/06/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Caroline C. Loy, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint& Notice as"Not Found" at 120 Bosler Avenue, Lemoyne Borough, Lemoyne, PA 17043. Property is vacant and to this date the Lemoyne Postmaster has not been able to provide a good forwarding address for the defendant. SHERIFF COST: $51.08 SO ANSWERS, January 06, 2014 RONNY ANDERSON, SHERIFF . It( G - -..- Carrie A. Brown, Esquire ' Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire f x L.r D` ,_. Attorney ID#94055/201259/312686 t-;- f fiC 6--', f�r JCL Portfolio Recovery Associates, LLC HUN '; 120 Corporate Blvd `� 14 � 25 pig �: Norfolk, VA 23502 t1;\lBEc �� Attorneys for Plaintiff PEnNsY ANJU Ty 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. 13-7200 v. CAROLINE LOY 120 BOSLER AVE LEMOYNE PA 17043 Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinues without prejudice. esp-, fully Submitted, 1.1° A/ / // ' I 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 13-18264 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. 13-7200 v. • CAROLINE LOY • 120 BOSLER AVE LEMOYNE PA 17043 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue upon CAROLINE LOY, by First Class Mail, Postage Pre-Paid, a copy thereof on this/ day of , 2014, to: CAROLINE LOY, 120 BOSLER AVE, LEMOYNE PA 1, 13-18264 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.