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Home My WebLink About13-7202 Supreme C ;' Pennsylvania Cour f lci"' n Pleas � �� " } �� qx r S T M E � z A NIf �? et CUMB 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 papers as required bylaw or rules of court. [ Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition �x ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES, LLC JODY GAROFALO Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits (Check one) _ outside arbitration limits 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 "W" 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 u� , 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 E] Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Credit Card ❑ Board of Elections ® Debt Collection: Other ❑ Dept. of ❑ Nuisance P • Transportation P ❑ Premises Liability _ —_ — ❑ Statutory Appeal: Other a; ❑ Product Liability (does not include mass tort) ❑ Employment Dispute:_ -- ❑ Slander /Libel /Defamation Discrimination ❑ Zoning Board ❑ Other: [I Employment Dispute: Other ❑ Other: E] Other: MASS TORT ❑ Asbestos ❑ Tobacco \, ❑ REAL PROPERTY MISCELLANEOUS \\ Toxic Tort -DES Ejectment \ ❑ J ❑ Common Law /Statutory Arbitration ,, ❑ Toxic Tort - Implant E] Eminent Domain /Condemnation ❑ Declaratory Judgment El Toxic Waste `�� ❑ Ground Rent ❑ Mandamus ❑ Other: ❑Landlord /Tenant Dispute ❑ Non - Domestic Relations �� , - - - - - -- ❑ Mortgage Foreclosure: Residential Restraining Order -- -- – ��; El Mortgage Foreclosure: Commercial E] Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑Legal ------- - - - - -- _ ❑ Medical ------- - - - - -- ----- - - - - -- El Other Other Professional: Mmwt + — - - - - -- 14 -23824 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 , F i- ��,� Portfolio Recovery Associates, LLC i ' L , ft 0 T1 +, 120 Corporate Blvd Norfolk, VA 23502 "C — 11; TELE: 1- 866 - 428 -8102 ��i� COUNT Y FAX: (757) 518 -0860 f�, �'t 4't9V Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD �C)Ooq v� NORFOLK, VA 23502 N0. 1 Plaintiff, V. JODY GAROFALO 19 EDGEWOOD DR MECHANICSBURG PA 17055 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 apo,4 14 -23824 o f/D 319 4X30 . °A 59 i 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. JODY GAROFALO 19 EDGEWOOD DR MECHANICSBURG PA 17055 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 14 -23824 Esta cornuni.eacion es de un cobrador de deudas v es un intent do cobrar una deuda. Cuualquier 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. JODY GAROFALO 19 EDGEWOOD DR MECHANICSBURG PA 17055 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, JODY GAROFALO, is an adult individual with last known address of 19 EDGEWOOD DR, MECHANICSBURG PA 17055. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK / GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT on March 26, 2012 with account number * * * * * * * * * ** *4919 (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 comm:Lwlcation is from a debt collector and is an attempt to collect a cleft. 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 June 19, 2013. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE CAPITAL RETAIL BANK / GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT 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 $2,311.16. 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, JODY GAROFALO , in the amount of , 1.16, plus 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 -23824 This commaiii.catio n 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, WchaelLoDouceur 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: NO V 15 2013 By: MchaelLaDoucw Custodian of Records 14 -23824 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: * * * * * * * * * ** *4919 JODY GAROFALO Account Holder: JODY GAROFALO 19 EDGEWOOD DR MECHANICSBURG PA 17055 Consumer Account Product Code: PVT Issuer: GE CAPITAL RETAIL BANK / GENERAL ELECTRIC CAPITAL CORP / CARE CREDIT Assignee: Portfolio Recovery Associates, LLC Account Number: * * * * * * * * * ** *4919 Date Account Opened: March 26, 2012 Date of Last Payment: June 19, 2013 Date of Charge Off- February 5, 2013 Balance at Purchase: $2,477.84 Purchase Date: February 20, 2013 Balance at Purchase: $2,477.84 Less Payments: $166.68 Balance Due: $2,311.16 14 -23824 GESR58 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 BILL of SALE 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 13th day of December, 2012 by and between General Electric Capital Corporation,GE Capital Retail Bank, GEMS 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 each Transfer Date, and as further described in the Agreement. GE Capital Retail Bank By: Glenn Marino Title: EVP General Electric Capital Corporation By: Glenn Marino Title: — Vice 'President GEMB Lending, Inc. By: Stephen Motta Title: Director Monogram Credit Services, L.L.C., By: ,-� Glenn Marino `i Title: President 31 EXHIBIT A BILL of SALE 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 13th 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 each Transfer Date, and as further described in the Agreement. GE Capital Retail Bank By: Glenn Marino Title: EVP General Electric Capital Corporation By: Glenn Marino Title: Vice President GEMB Lending, Inc. By: �- Step T itle: Director Monogram Credit Services, L.L.C., By: Glenn Marino Title: President 31 RFS oldPessa By: Josep Title: GEM Holding, L.L.C. By: Joseph ssa Title C 0 32 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ; `tt y�ttryt4' 4t cllltt$t7�7ti i t�. I Jody S Smith Chief Deputy ` Dcf" 17 M Ci 5' e r X35 Richard W Stewart r; UMBELM ` J Solicitor " F'"ES ER . I� PENNSYLVANIA Portfolio Recorvery Associates, LLC vs. Case Number Jody Garogalo 2013-7202 SHERIFF'S RETURN OF SERVICE 12/11/2013 07:30 PM - Deputy Shawn Harrison, being duly sworn according to law, served the requested Complaint & Notice by handing a true copy to a person representing themselves to b- Antho arogalo, husband, who accepted as"Adult Person in Charge"for Jody Garogalo at 19 Ede; s d ► -, Mechanicsburg Borough, Mechanicsburg, PA 17055. .■21 /AA S .WN HAM"-ON,ON, DEPUTY • SHERIFF COST: $50.60 SO ANSWERS, December 12, 2013 RONNY ANDERSON, SHERIFF :euraySate -er�f"reiec, h Ire f 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 2013-7202 -5 V. JODY GAROFALO • f�c r 19 EDGEWOOD DR : c cl MECHANICSBURG PA 17055 : 4 Defendant : • • • • STIPULATION OF SETTLEMENT It is stipulated this December 13, 2013 by and between the above-named parties, that Defendant(s) agree to pay Plaintiff the total sum of$2,463.05, to be paid as follows: down payment of$587.87 due on December 16, 2013, followed by 6 payments of$312.53. Monthly payments will begin on January 15, 2014 and will continue on the 15th day of each month thereafter until agreed upon balance is paid in full. Should Defendant fail to timely make a payment, Plaintiff may, upon ten (10) days written notice to cure, enter judgment for the relief requested in the complaint including any interest and costs, giving credit for payments actually made hereunder. After the final payment has been made, the Plaintiff shall deliver to the Court of Common Pleas of CUMBERLAND County and undersigned, as applicable, a Praecipe to Settle, Discontinue and End. The undersigned Defendant waives and discontinues any counterclaims with prejudice, authorizes Plaintiff to communicate with them, waives any cease and desist request, and waives any and all defenses and claims stemming from this matter to date against Plaintiff, or its counsel. Payment in excess of the above minimum monthly payment will be applied to the account balance, but shall not relieve Defendant of their obligation to pay the next monthly payment(s). Defendant shall notify Plaintiff via regular mail with mailing receipt within ten (10) days of a change of address. TIME IS OF THE ESSENCE. To assure proper credit, include file 14-23824, on all payments. • ri. • Make all payments to: PORTFOLIO RECOVERY ASSOCIATES, LLC This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. r P.O. BOX 12903 NORFOLK, VA 23541 Dated: 1 I I ao ICI Respectfully submitted, O ��(V� J DYROFALO 'o s ert N. Polas, Jr., Esquire#201259 19 EDGEWOOD DR Carrie A. Brown, Esquire, #94055 MECHANICSBURG PA 17055 Mark R. Garvey, Esquire#312686 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff 14-23824 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 bk. 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 ?f�.�.. 'HONG 1186-p PENNS yL CG�'� v Ni IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff v. JODY GAROFALO 19 EDGEWOOD DR MECHANICSBURG PA 17055 Defendant No. 2013-7202 PRAECIPE TO SETTLE DISCONTINUE AND END PLEASE MARK THE ABOVE -CAPTIONED ACTION AS SETTLED, DISCONTINUED AND ENDED. 14-23824 ctfu 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. • 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. 2013-7202 v. JODY GAROFALO 19 EDGEWOOD DR MECHANICSBURG PA 17055 Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Settle Discontinue and End pon JODY GAROFALO by First Class Mail, Postage Pre -Paid, a copy thereof on this (7day of AllAir , 2014, to: 14-23824 JODY GAROFALO 19 EDGEWOOD bert 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 infnrmatinn nhtained will he ncMd fnr this niirnose