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HomeMy WebLinkAbout14-2842 Supreirfekourtof Pennsylvania Court,iff Common Pleas For Prothonotary Use Only:ci4.&Vet�'Sfieet TPOESTANfil' 41 Docket N�o C 14-01 :County U I. The information collected on this form is used solely for court administration purposes. This form does not su lenient or rep lace the lira and sert,ice of pleadings or other pa.pers as required by law or rules ofcourt. 7S .! Commencement of Action: E N Con-plaint 0 Writ of Summons oPetition C ❑Transfer from Another Jurisdiction []Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: T PORTFOLIO RECOVERY ASSOCIATES,LLC MICHELLE JOYAL 0 N Are money damages requested? 0 Yes 0 No Dollar Amount Requested: X within arbitration limits u Com Y (Check one) outside arbitration limits A Is this a Class Action Suit? OYes ®No Is this anMDJAppeal? 0Yes ®No Name of Plaintiff/Appellant's Attorney:Robert N.Polasir./Carrie Brown/Mark R-Garvey ❑ Check here if you haw 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.ludgments) CIVIL,APPEALS C] Intentional El Buyer Plaintiff Administrative Agencies [:] Malicious Prosecution n Board of Assessment El Motor Vehicle Cl Debt Collection:Credit Card n Board of Elections E) Nuisance 9 Debt Collection:Other [71 Dept.of Transportation EJ Premises liability 0 Statutory Appeal:Other S E3 Product Liability(does not include E Mass tort) C3 Employment Dispute: E] Slander/Libel/Defarnation Discrimination 0 Zoning Board C C3 Other: El Employment Dispute:Other r-I Other: T ❑ Other: 0 MASS TORT N 0 Asbestos [:] Tobacco C] Toxic Tort-DES REAL PROPERTY MISCELLANEOUS B El To)dc Tort-Implant E:1 Ejectment n Common Law/Statutory Arbitration ED Toxic Waste E3 Eminent Domain/Condemnation F1 Declaratory Judgment M Other: El Ground Rent F-1 Mandamus [] Landlord/Tenant Dispute 0 Non-Domestic Relations [I Mortgage Foreclosure:Residential Restraining Order El Mortgage Foreclosure:Commercial 0 Quo Wan-anto M Partition 0 Replevin PROFFSSIONALLIAB]Lrff 0 Quiet Title El Other: E] Dental 0 Other: n Legal n Medical — 0 Other Professional: Mr. 15-56950 ` 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 ` f �0 i t o 120 Corporate Blvd 01 1142 Norfolk, VA 23502 9 , i 1 TELE: 1-866-428-8102 �� FAX:(757) 518-0860 �eiy,� Y�Y;�OU , Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, pA CMI,ACTION-LA W PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD � NORFOLK, VA23502 No. ( l - U `O< C(UL Plaintiff, V. MICHELLE JOYAL 9 ROXBURY 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 15-56950 (717) 249-3166 S �Ib3.�S Q r6 This communication is from a debt collector and is an attempt to collect a debt. T S�p S� 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 TIE COURT OF COMMON PLEAS OF CUM HU AM COUNTY, PA CIVIL ACTION-LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Demandante, No. V. MICHELLE JOYAL 9 ROXBURY 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 sohcitado 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 'NFORMACION 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 15-56950 (717)249-3166 Esta c01-1111licacion es de un cobrador de deudas y es un intent do cobrar Uma deuda. Cualquier infromacion sera utilir�da 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 CUMBERI"COUNTY, PA CIVIL ACTION- LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff, No. V. MICHELLE JOYAL 9 ROXBURY 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, MICHELLE JOYAL, is an adult individual with last known address of 9 ROXBURY RD, SHIPPENSBURG PA 17257. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK/LOWE'S on September 22, 2008 with account number ************0239(hereafter referred to as "Account"). 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. Faikire 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 fi-orn a debt collector and .is an.atternpt to collect a debt. A-ny 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 November 5, 2013. 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 Bill of Sale 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 $1,842.05. 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 JOYAL, in the amount of$1,842.05, plus costs of this action and any other relief as the Court deems just and r on e. ie A Brown, Esquire, #94055 Robert N. Polas, Jr., Esquire, #201259 Mark R. Garvey, Esquire, #312686 15-56950 Attorneys for Plaintiff -111is con-flnunication 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, — G� _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. APR 112014 By: Dwayne&Davis Custodian of Records 15-56950 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. XHIBI A This communication is from a debt collector and is an attempt to collect a debt. Any information obtained wiH be used for that purpose. 8-CY.1 3304335612 GE CAPITAL RETAIL BAN 12:33:17p.m. 09-09-2013 13e26 f t GE Capital BILL of SALE PRA PLCC Fresh—August 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 9th day of J uly,2013 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{"Buyee%Sellerhereby trmsfers,sells,convoys,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 August 20,2013,and as further desc nbetl in the Agreement. GE Capital Retail Bank Monogram Credit Services,L.L.C. 4 By: By: ();rtk Ken Wojcik U Attorney in#abt Ken Wojcik Title: EVP Collections&Recovery Date: Date, Dq •03 (3 RFS Holding,L.L.0 General Electric Capital Corporation By Ai�L Attorney in et Ken Wojcik By. Attorney in F Ken Wojcik Date: 3 Date: 1)9 .o�.13 GEM Holding,L.L.0 GEMB Lending,[no. By: W_ ___•_, Attorney in FM Ken Wojcik Attorney in F Ken Wojcik Date: c):3!• 13 Date: Oct-03-('J Portfolio Recovery Associates, LLC By. Title /`7�'trolo <�,✓,A' _. . Lowe's®Credit MICHELLE K JOYAL Card Account Account Number �3 9 Visit us at wwwJowes.com/credit Customer Service: 1-800-568-0156 ,irt'!y'e�°�c!aK*� tftttttftftttttt i#e1tMI}f#7hSiMttitftf tftftttttftf_tft Previous Balance $1,942.05 Nee-Balance ''''' -Payments $0.00 $0.00 Amount Past Due $0.00 -Other Credits $1,942.05 Total Minimum Payment Due +Purchasc&Eebits $%5.00 $0.00 Payment Due Date 07/01/2013 +Fees Charged $0.00 Late Payment Warning If 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 Tate fee up to$35.00. Credit Limit $1,96000 Available Credit $0.00 Statement Closing Date 06/30'2013 - Days in Billing Cycle 28 Tran Date Post Date -_ Reference Number/ - Invoice Number Description of Transaction or Credit Amount 06/30 06/30 CHARGE OFF ACCOUNT-PRINCIPALS ($1,049.48) 06/30 06/30 CHARGE OFF ACCOUNT*FINANCE INARCI ($892.57) FEES TOTAL FEES FOR THIS PERIOD $000 INTEREST CHARGED 06/30 06/30 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INT EREST FOR THIS PERIOD $000 ±nnn t}i2elkiy�bdt3.yehlt}g,>k+±f ttttt�ti Total Fees Charged in 2013 $140.00 Taal Interest Charged in 2013 $22687 Taal Interest Paid in 2013 $106.69 4nFe(APR) is tint}tint}+}tf tftftttttttftttftf 7$0.002D Your Annual Percentage Rate(APR) is the annual interest rate on your account. Expiration Annual BalanceSubject Type t Balance Date Percentage Rate To Interest RateQrrent TransactionsRegular Purchases NA 26.99'➢% $0.00Transactions on or before 0&18/2010 Re lar Purchases NA 22.99% $0.00 PAYMENT DUE BY 5 P n.+(FTI ON T}*F D 1F DAT 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 1 130630 2D PAGE 1 of 3 9299 0010 5002 01C%7009 Detach and mail this portion with your check.Do not include any correspondence with your check. Account Nun6ec 23 9 'Y9a�llMiditlttMt t}'9*ytlblutttt 'f'H!}hr#Atttt ftflyeD�B+lahrtt}t} $545.00 $0.00 07/01/2013 $0.00 Payment Enclosed: M E N E M .. Please dee blue or black ink. $ W239* New address or email?Print changes on back. MICHELLE K JOYAL TDFFAFTTAFADDDAATAADDTDAAAFTDFFFAAFFTFFrFATADTDDTDFFADTTATFAFDDDA 9 ROXBURY RD SHIPPENSBURGPA 17257-1114 Make Payment to: LOWE'S`GECRB P.O.BOX 530914 DATTATADDATFFAAFFTFADADFFPATDFTDTDAFAAFFFDDTTFADDDATADDDFFTTAMDiFA 53-0914 Customer ervice/QuesllOns:ruraccournmrormation,please call the toll freenumberonlhefrontofl is statement.Unless your name I liste n this statement,your access to information on the account maybe limited.You may also mail questions(but not payments)to:P.O.Box 965004, Orlando,FL 32896.5004.Pleaseinclude youraccount number on any correspondenceyou send to us. Payments:Send payments tothe address listed on the remit portion of this statement or payonline. Notice:See below for your Billing Rights and other important information.Telephoning about billing errors will not preserve your rights under federal I..Topreserveyourrights,Please write to our Billing Inquiries Address,P.O.Box 965000,Orlando,FL3289G5003. Purchases,returns,and payments made just prior to billing date may not appear until next month's statement.When you provide a check as payment,you authorizeus either to useinformatlon from yourcheck to makea one-time electronic fund transferfrom youraccounl orlo process the payment as a check transaction.When we use information from your check to make an electronic fund transfer,funds maybewithdrawn from your account as soon as the someday we receive your payment,and you will not receive your check back from your financial institution.You may choose not to have your payment collocted electron scally by sending your payment(wfth the payment stub),in yourown envelope—not the enclosed wlndowenvetope,addressodto:P.O.Box 960097,Orlando,FL 32696.0097and notthe Payment Address. Whal10DolrYou Think YouHndAMlstakoonyourStatemaM Incri .Ifyou have acopy dthe credit report that Includes the Inaccurate If you think there Is an error on your statement,write to us at the Billing information,please include a COPY of that report We may report Information Inquiries Address of. about your account to credit bureaus.Late payments,missed payments,or GE Capital Retail Bank dherdefaulsonyouraccourif may bereflecledinyourcredlreport, P.O.Bac 965003,Orlando,FL 328965003 Balance SubfectToInterest Charge Calculation In your letter,give us the following information: Method 2D(Daily Balance method):We figure the interest charge on •Account information:Your name and account number. your account by applying the periodic rate to the"daily balance"of your •Ooderamount The dollar amount of the suspected erre account for each day In the billing cycle.We than add the interest to the •DasaIionofProbtem:ifyoulhhktheresanerroronyourbill,describe daily balance.To getthe"dally balance"we take the beginning balance of whatyoubelievetswrorgandwhyyoubelieveitisamstake. your account each day(which Includes unpaid Interest),add any new You must contact us within 60 days after the error appeared on you carges,and applicable fees,and subtract any payments orcredits.Thish statement. gives us the daily balance.Any daily balance of less than zero will be You must notify usofarty potentalerrorsInvmtig.You maycallus,but If treated as zero.A separate daily balance will be calculated for each you do we are not required to investigate any potential errors alb you may balance type on your account.The balance(s)shown in the Interest have to paytheamount in question. Charges section of this statement is the sum of thedaily balances foreach While we investigate whether or not there has been an error,the foliowig day in the billing cycle divided by the number of days in the billing cycle. aretrue: Method 2M(Average Dally Balance Including current transactions): •We cannot try to collect the amount in question,or report you as Wefigure the interest charge onyouraccounttyapplyingthe periodic rate deinquemon that amount. to the'average daily balance"of your account.To get the"average daily _ •The charge in question may remain on your statement,and we may balance"we take the beginning balance of your account each day,which continue to charge you Interest onthat mount.But,ifwedetermine the,we Includes any unpaid interest charges from the previous billing cycle,add made a mistake,you will rid have to pay the amount in question or any any new charges,and applicable fees and subtract any payments or ideresfordherfees related tothat amount credits.This glees us the daily balance.Then,wo add up all the daily •Whileyoudonothavetopaylheamourtinquestion.youareresponsrbte balancesforlhebilling cycleanddtvidethe total bythenumberofdaysIn ' fortheremainderofyourbalance. the biting cycle.This gives us the"average daily balance,"which is the •Mean applyanryunpaid amounlagaihstyouraadillimk. balance shown In the Interest Charges section of this statement.Any YourRightsftYouAro Dissatisfied With YourCroditCandPwfiesesaverage daily balance of less than zero will be treated as zero.A separate If you are dissatisfied with the goods or services that you have purchased average daily balance will becalculated for each balance type onyour with your credit card,and you he*tried in good fafth to correct the problem account. wlN the merchant you may have the right not to pay the remaining amount Method 30(Daly Balance excluding current transactions):We figure dueonthepurchase. the Interest charge on your account by applying the periodic rate to the Totuthsright,allof the folowirg mustbetrue: "daily balance"of your account for each day in the billing cycle.To get the 1.The purchase must have been made M you home state or within 100 'daily balance'we lake the beginning balance of your account each day. miles of your current mailing address.and the purchase price must have add any interest and applicable fees and subtract any payments or credits. been more then SW.(Note:Neither of these are neoessaryif yourpumhase We do not add in any new charges.This gives us the daily balance.Any was based on an advertisement we mailed to you.or if we an the company daily balance of less than zero wlllbetreated aszero.The balance(s) that sold you the goods or services.) shown In the Interest Charges section of this statement is the sum of the 2.You must have used yourcredlcard forthepurchase.Purchases in dailybalancesforeachdayhlhebilli cycle divided by the number of with cash advances from an ATM or with a check that axesses your credit, days in the billing cycle.A separate daily balance will be calculated for cardaocountdonolqualty. each balancetypeonyouraccounl. 3.You must riot yet haw fully paid for the purchase. Method s(Average Daily Balance excluding currenttransadlonsand ti It al of the criteria above are met and you are still dissatisfied with the unpaid Interest charges):We figure the interest charge onyour account puchase,cmlacluslnwnhngal: by applying the periodic rate to the"average dairy balance'of your GE Capital Retail Bank account.To get the"average daily balance"we take the beginning balance P.O.Box 965003,Orlando,FL 32896-5003 of youraccounl each day.add applicable fees and subtract any payments. While we investigate,the same rules appy to the disputed amount as credits and unpaid Interest charges from[he previous billing cycle.We do discussed above.Aller vex finish our Investigation,we veil fell you our nof add inany new charges.Thsgives usthe daily balance.Then,weadd decision.At that pohl,ifwethinkyouowe anamount arbyoudonot pay we up all thedaitybalancesbrthehillingcycleanddividethelolalbythe may reportyouascielhquerd. number of days in the billing cycle.This gives us the'average dairy In About Paymar t You may at any time pay,in whole Orin balance,"which s the balance shown In the Interest Charges section of part,the total unpaid balance without anyaddltlonal charge hr this stafementAny average�Nyhalarhceofless than zero wit betreated P Payments received after 5:00 PM(ET)on any day veil be as zero.A separate average daily balance will be calculated for each aedtedasoftherextday.GenttloyourAccountmaybedeInyeduplofrre balance ypeonyouraaount. days ifpayment(a)sndrerx'rvedalthePayment Address,(b)isndmadein Method6(AverageDallyBelanceIncludingcurrenttransactionsand U.S dollars (a ono U.S.furan at nsBUJon located In the U.S,(c)s not excluding unpaid interest charges):We figure the interest charge on rd fas sect by the remllance coupon attached to your stareman (d) 1OUracc°unttryappyinglhepedodicratetothe'avemgedalybalance'of COntahsmarettanonepaymentorremltanceceupon,(e)snctreceivedIn youraccounl. To he beginning the remittance7r. nvelopepravidedor(f)InclydessWpies ,paperdips.lape.a balanrzofyouraccounteachday,addarrynewchargesandapplicabte lidded chheck,or conespondence of a fees and suhtad arty payments,credits and unpaid lnlerest charges from ny type. Conddio al Pavmenfs'M fire prow our Ellin writencommunicationsconeernhgdiss amouts.Incldinganycheck9 h Thisgivesuslhedaiybalarhce.Then,we add _ or other payment Inent strumthat:()indicates that the payment constitutes up all the dart'balances for the billing cycle and diode the total by the "paymordmf&orstenderedashAsatiskdionofedisputedamount:or(i) number of days In the Nllhg cycle. This gR'es us the'average dairy Is tendered with other coed firs or limitations('Disputed Payments'"),must balance,'which is the balance shown in the interest Charges section o1 bemailedordelieredtousatRO.Box 965003.Orlando,FL3289G5003. lhsslaremenL Arryaveragedaiybatanceoflessthanzerowt1betreated Credlts,ToYourAccount: preceded try AnamoursshownInparenthesisor as noe zA separate onyouraccount.average dairy balance witl be pkulated for each balance type a minus(-)sign is a credit or credo balancce unless dherwlse Indicated. Credits will be applied to your previous balance immediately upon receipt, Bankruptcy Notice: If you file bankruptcy you must send us notice, but will not satsyarry required payment[hat may bedue. �t�in9=numberandakinforma0mrelatedtothe proceedingtothe Credit Reports And Account Information: If you believe that we have OYn� *GE Capital Retail Bank,Ain,.Bankruptcy Dept.PO.Box , reported Inaccurate information about you to a consumer-repoNrg agency, 103104,Roswel,GA30076. Please contact us at P.O.Box 965005.Orlando.FL 328965005.in doing so, Youraccourdis ownedand serviced byGE CapitafRelard Bank. s please identify the inaccurate Information and td us wiry you beleve A is Headngimpahed:TDD users call 1-800.444-1732. 01CX7009-1-07/112011 This is an adempt to collect a debt and any Information obtained will be used for that purpose. 'By provb'mg a telephone number on my account.I consent to GE Cafillal Retell Bank and any other owneror servicer of my aceounl conlaclIng me about My account,including using arty contact Information or cell phone numbers I provide,and I consent to the use of my automatic telephone dialing system and/or an aditdal or prerecorded voice when contacting me,even If I am charged for the call under my Phone Plan. For changes of address.phone number andlor ema I,please check the box and print the changes below. Street EDrAddress City.St. Zip Phone# E-mail HorrtePhorhe# Business Phone# 'Cell#or other phone#we Email Address can use to contact you - By providing your email address,you agree to receive emall communications about your account , and also give permission for us to share your email address to Lowe's. If your acmtmt has a deferred interest promotion and you would like us toapply 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 1 130630 Z DPAGE 2 of 3 9294 0010 S002 01CX7009 7009 X5G 1 3 1 130630 Z OPAGE 3 of 3 9294 0010 5002 O1CX7009 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY i;E iPRO I -i ' G, PE%NLS111$431�,'v`/ OFF K E OF THE C HERIFf Portfolio Recovery Associates, LLC vs. Michelle Joyal Case Number 2014-2842 SHERIFF'S RETURN OF SERVICE 05/27/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Michelle Joyal, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint & Notice as "Not Found" at 9 Roxbury Road, Shippensburg Borough, Shippensburg, PA 17257. Per the Shippensburg Postmaster the defendant now resides at 205 Eastside Lane, Winchester, VA 22602. SHERIFF COST: $50.60 SO ANSWERS, May 27, 2014 RONNY R ANDERSON, SHERIFF (c) CounlySuito Sheriff, T@!eosoff, inc. Carrie A. Brown, Esquire Nbert N. Polas Jr, Esquire Mark R. Garvey, Esquire Attorney ID #94055/201259/312686 - _ of: Portfolio Recovery Associates, LLC "LI PRO THok,h-t- ,TOTAt: 120 Corporate Blvd 20/4 49 Norfolk, VA 23502 P/1/2: 37 CUNSERL Attorneys for Plaintiff Dci, ANO c "AtIS YL °Iiiv AMA 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. 14-2842 CIVIL V. MICHELLE JOYAL 9 ROXBURY RD SHIPPENSBURG PA 17257 Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinues out prejudice. -spectfu Submitted, Aef// ' iert 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 15-56950 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 Itei)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 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. 14-2842 CIVIL v. • • MICHELLE JOYAL • 9 ROXBURY RD • SHIPPENSBURG PA 17257 • Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue pon MICHELLE JOYAL, by First Class Mail, Postage Pre-Paid, a copy thereof on thi day of , 2014, to: MICHELLE JOYAL, 9 ROXBURY R , HIPP NSBURG PA 172, 400// e•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 15-56950 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.