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Home My WebLink About14-3301 Supreme CQip4-E.Pennsylvania Con f Com .� n Pleas ' Mi r � V I f et CUNM ' , , , 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 ofpleadings or other a ers as required by law or rules o court. � s Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition wal s ❑ Transfer from Another Jurisdiction ❑ Declaration ofTaking C ? "i` Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES, LLC RUTH C SNYDER 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 haw no attorney (are a Self - Represented [Pro Se] Litigant) � 3 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. I TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS d ` ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑Malicious Prosecution ❑Board of Assessment ❑ Motor Vehicle ❑Debt Collection: Credit Card E] 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 REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort - DES ❑ Toxic Tort - Implant El Ejectment E] Common Law /Statutory Arbitration _ ❑ Toxic Waste E] Eminent Domain /Condemnation El Declaratory Judgment _ ❑ Ground Rent ❑ Other: ❑Man arrnis ` ❑ Landlord /Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Restraining Order - ❑ Mortgage Foreclosure: Commercial ❑ Quo Wananto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: 15 -94967 Robert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 L F F ; Mark R_ Garvey, Esquire PA Bar # 312686 1� "' Portfolio Recovery Associates, LLC 1 :- 'A , i ri " ' 7.'� 120 Corporate Blvd I A Y 3 0 P H I : 2 5 Norfolk, VA 23502 TELE: 1-866-428-8102 CUIlEz"ERLAND FAX: (757) 518-0860 PEHNSYL fir; A Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD 1AJ C� NORFOLK, VA 23502 No. —4 Cl V Plaintiff, V. RUTH C SNYDER 1125 COLUMBUS AVE APT 12 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 Qi) 32 South Bedford Street -�L &I Carlisle, PA 17013 15-94967 (717) 249-3166 C K� R This corarnunication 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 TIE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Demandante, No. V. RUTH C SNYDER 1125 COLUMBUS AVE APT 12 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 LAMIVIE 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 OFICTNA 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 15 -94967 Esta c0114inicaclon es de un cobrador de deudas y es un illte tt do cobrar ufla &Uda. Cualtluier ilikom ciOn sera utilizada Para esc 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. RUTH C SNYDER 1125 COLUMBUS AVE APT 12 LEMOYNE PA 17043 Defendant. COMPLAINT 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. A copy of the charge off statement is attached hereto and collectively marked as Exhibit "A" 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 October 15, 2011. 8. Plaintiff is the purchaser, assignee and/or successor in interest HSBC BANKNEVADA, N.A. / CAPITAL ONE BANK (USA), N.A / ORCHARD BANK 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 $1,145.88. 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, RUTH C SNYDER , in the n of $1,145.88, plus c s of t is action and any other relief as the Court deems just and reas able. Carrie A Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, # 201259 Mark R Garvey, Esquire, # 312686 Attorneys for Plaintiff 15 -94967 1'his c01 -MIL licatioa. is Ali -orn a debt collector and is an attempt to collect a debt. Any inK)nnation obtained will be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Leonard Wolfe 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 belie£ 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 unworn falsification to authorities. Date: By: APR 3 Leonard Wolfe Custodian of Records 15 -94967 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 cor n wication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. :. .............................. ....................... . ............. ............. .......... ...................................... ............................... ...... ;Forward Flow .1Zec+eivable Sale Agreement dated 11I49/20I2 :..: -BILL OF SALE" .' . :. Closing Date: 02%1512013 :Capital' One,. National ' Association :( "Seller "); in ,consideration of a' Purchase. Price of. ' and. other: valuable consideration tlie:.receipt ;of which. is hereby :acicnowled ed :. g.:. �. .:.hereby sells, assigns and- transfers:all right;.title:and;i in the Accounts identified in the Sate File entitled, _ _ l {which:may be in' elect.cdnic- farm).to Portfolio Y ecovery As soeiates; and its 4ffiiliates and: its subsidi.::; ..entities. ` °Bu r. , : vv�thout 'recouise ;or arY ye ::.. representation except as expressly provided Herein or ori.the terms; andsuliject:to thecondtions;:: . :. set forth n: the: Agreement; (as defined.below)::: This Bill of :Sale is ::delivered pursuant ao .that certain Forward: Flow - Receivable: Sale ., Agreement; dated as of 11/09/2412, .by and between Seller. aid Buyer {ttie. "Agceement'.::. .. capitalized terms 'used;' tiut not defined; in :this:Bill'of'Sale shall have: meanings:assig' ed: to ::.. suc s.n h the A :... . .. � greement. .... ' . The Cutoff Date -for _the Sale File:'was 02/ 12 /2013:.:The 'aggregate Unpaid Balance af, the:'. - :Accounts as.ofthe Cutoff Date'was CAP ONE; NATIONAL: ASSOCIATIOPC . By: ; . .. ; Nam ....... .. e: John'H. ,Maiirei ... .. Ti e• Vice 'President � � : . .. .... .. . ........ :... .... ......... . . . .E. rt Forward Flow Receivable Sale Agreement, dated'11/09/201:2.:. ....: ........ .. :....B .Closing Date: - 02/:13/2 13 . :. . +Capital Orie :B ..... Price. of. other valuable ; -coilkderation;.:the . receipt of - .Which. is hereby .:.. acknowledged; hereby'sells,: assigns, and: 'transfeis. . all:: right : titl' e':And: interesfin'the..Accounts : ::. identified in the Sale File entitled (which,may be.in: elect forni) to Portfolio: Recovery Associates, LTC and -its a�.ffxliates::and: its - subsidiary ep4 ies :(` °Buyer"); . .. - without iecourse'.or- representation except*:as.*expressly .provided' herein: or on. the terms;: and:. . suibject to the . c.:onditiona, set:forth.in the A 6 ement (as.defi:ned below :. ).. .... . This :Bill of : dale is delivered pursuant .to.:that. certain Forward' Flow' .Receivable :Sale .. .. .. A "' eemen dated as. af..11/09f20.12' by and.betwee .Seller and Bu er: the `.`A cement" :All ' .: :.. ........ Y . (. gr }�... . capitalized terms'used; but :riot: defined;: in. this ,Bill of Sale �shalf have the ri eanings- assigned to. ; . .. t such terns m the The'CutdrDate for-ihe:Sale File /.12/.2013.:The aggregate Uppoid :Balance: of the Accounts as of the Cuf aff Date was .. . CAP SA), I�ATXONAL ::: ... �TAL, ONE. BANTt:{TJ . 'A :..� �SSOCIATIUN� �: ..: ..: :. ... - - � � ... ..:Name: John H. Maurer. .. .. .. ... .. Title: Vice President . . . ......... . .. . .... ..... .. OR& iaRD M NK° Orchard Bank Visa Plati me Account Numbe 9347 RUTH C SNYDER Page 1 of From Ma 2011 2012 Previous Balance $1,118.00 New Balance 51,145.88 Payments - $0.00 Minimum Payment Due S24300 Other Credits - $0.00 Payment Due Date July 1, 2012 I Purchases /Debits + $0.00 Balance Transfers + $0.00 Late Payment Warning: If we do not receive your minimum payment by the Cash Advances 1 $0.00 date listed above, you may have to pay a late fee of up to $35.00 and your APRs Past Due Amount $20300 may be increased to the Penalty APR of 29.99 %. Fees Charged + $0.00 Inter Charged + $27.88 New Balance $1,145.88 Minimum Payment Waming:lfyou make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your Credit Limit $1,100.00 balance. For example: Credit Available 5200 Statement Closing Date June 6, 2012 Days in Billing Cycle 30 If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of.. and each month you this statement in pay... about... Only the minimum 11 Years $2,719 Payment $49 3 Years $1,751 (Savings = $968) If you would like information about credit counseling services call 1- 866 - 569 -2227. Questions? Payment Address: HSBC Card Services, PO Box 17051, Baltimore, MD 24 -Hour Customer Service 1- 800 -462 -2016 21297 -1051 Lost or Stolen Card 1 -800- 395 -4500 Billing Inquiries: HSBC Card Services, PO Box 81622, Salinas, CA Outside USA Collect 1- 757 - 523 - 3880 93912 -1622 TDD /Ilearing Impaired 1- 800 - 395 -9020 Manage Your account online at www.orchardbank.com The HEXAGON DESIGN® (AND VARIATIONS), HSBC®, THE WORLD'S LOCAL BANK ®, HOUSEHOLD® (AND DESIGN) and HOUSEHOLD BANK® are registered trademarks of HSBC Holdings plc or HSBC Finance Corporation and are used by Capital One by permission. Capital One is the issuer of this account. Any references to "Cash Limit ", "Cash Available", "Cash" credit plans, or "Cash Fee Finance Charge" transactions that may appear on this statement refer to the Cash Advance feature of your account. IMPORTANT ANNOUNCEMENT: Effective October 1, 2012 we will no longer accept credit card payments at HSBC Bank Branches. We apologize for any inconvenience this may cause you. Please make your payments using any of these three easy methods: by mail, by phone, or online. The correct mailing address, phone number, and Web address for your account are listed on the front of this billing statement. For more information about making a payment, please review the instructions located on the back of this statement. Thank you! IF YOU ARE UNABLE TO SEND YOUR PAYMENT TODAY, PLEASE CALL 800 - 395 - 050010 DISCUSS A REPAYMENT ARRANGEMENT. As a reminder, you may pay your credit card bill online or through our automated phone system for no fee. I � I II ;rlii III I nI 1111 I iii 'N'i it i. I V i! �II � lull i G III I Ma Trans Date Post Date Description of Fees Reference Number Amount Total Fees For This Period 50.00 b I 1.. I .I II II I I � I Illltltllll�{ lltllll�INtlIJIi�ItlI��dJIJIIIIIIV�tlIIIIIIiII��ItlIlltlhiJll, ItlIIIIII��Itl1161INI�IItl�h�161�GiIIIIIIIILItl��Jlll�ll�l�tll�lillu�l{ tlIIIIItlIIIIJJIIIIIIIIItl��tlI�VG6IX��ItltlIIIIV�IItlIiVIIVIi�I�I� {IIIIIIU�IIllill��tlhitlilllll� � .� �tlIIIIdIJ�NIIII��iIJhIIIIII�tlIJnI�IGIJIilllllll. hl�{ �iIl16�IIIII��Ihu6111111Itl�IJtlIIIItl�Gltllllitl��61hIIIluLli�rl�hhVII�IItlIiVIIIII�dIJIII�IIiIJ61I�IIIIJtlIIIItlIJuIJIIhIIIIIItl�rJtli611tlIIItlIJIJaIIIIVJIdItlI�IIIIIIVI�IIIIIIItl ,l�l�l {tlIiIIIhIItlJ {IJ iltl�iLlJl tltlV tl tliJ GI � Description of Interest Charge Amount INTEREST CHARGE ON CASH ADVANCES $0.00 INTEREST CHARGE ON PURCHASES $27.88 Detach and ,etmn bottom portion with yom pay,—t. 090452 4 t 06 0000000103 STMT07 D 9 18063 OBSI See reverse side For important information __________________________________________________________________________________________________________________________________________ Account Number: 9347 New Balance $1,145.88 Minimum Payment Due $24100 Payment Due Date 07/01/2012 Include account number on check to HSBC Card Services. Do not send cash. Please send your payment 7 to 10 days prior to the payment due date to ensure timely delivery. 090 AMOUNT ENCLOSED #BWNHYTS HSBC CARD SERVICES PO BOX 17051 1270 SHADOWBROOKE DR BALTIMORE MD 21297 -1051 DOVER PA 17315 -2860 I�I�IIII��III�I�II�II�I�IIIII��IIIIIIIIIIII�III��l�lllllllllll� 347_ ORCFiam BANK Orchard Bank Visa Platinum Account Statement Account Number o une , 9347 RUTH C SNYDER Page 2 of 2 From May 2012 INTEREST CHARGE ON BALANCE $0.00 TRANSFERS Total Interest For This Period $27.88 „ I�h Total fees charged in 2012 S95.79 Total interest charged in 2012 $126.70 I I I I „ I I I ; ; J L: III 'I I I 111 1 I 1 � I II II � I II I h, � I III I � I I � dill II �III�II IIII lllll�� VIII II ,I, I I III ; II � H II��I til�.If �I�VI Illlilhll l�� L .Ll lll� 11 �C I I I I I � IL 611;11 � 1. 1 I I Your Annual Percentage Rate (APR) is the annual interest rate on your account. ,� "�: ; ; �: ...i it ri r, � I q• I I I III i II I � i I I IL � I i LI IG � I � LI i 11 I � I C I I L,II i L ;I. I� W I yy I I I� 11 � �� 1 I I� I.. . I III I� , 1 1 L I �� L � I � �� 1 I (I I �. �. Ia�IIII�IIIIIIIIJ�II�JIl�; 11111111; IIIIIi�b ��11�1�, 1�1�I�I611i�J1, Ih, �II�III�hI�lllllh�ll�III�J�I1111h1��1; ��, I�II11��1111116�I11; IIII��I�uEa�I��7�11111; �1�1I11I11111�1��; I�I�L� �; �I�I��III; �l11�1��, ��IIII; 111YVJ1111�IIII111. ��. 1��111IIII; �11�1. ��I�IIIIn �1�II1111111N. IIILI��Ih1��IIIIIII�li11VLL�I��JI�II�Ir11111�Vlllll ,II�.11 I1 , Type of Balance Annual Percentage Rate (APR) Balance Subject to Interest Rate Interest Charge PURCHASES 00001 29.99% (v) $1,131.40 $27.88 CASH ADVANCES 80001 29.99% (v) $0.00 $0.00 BALANCE'IRANSFER 29.99% (v) $0.00 $0.00 71111 — l ariable Kate Secure Registration at: orchardbank.eom /register. Enroll in paperless statements, track spending, pay your bill and update personal information online with Account Access. 090452.1 E 06 0000000103 STMT07 D 9 18063 0851 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff r ;—I r i;, Jody S Smith Q��t h ox urrr�rrrf�,�1� L-I �HE PRAONt;IM' Chief Deputy 2j l a ,JUN 25 P11 3: 34 Richard W Stewart 1kik Solicitor OFFICE OF THE SHERIFF CV1"ttJERLAND COUN i Y PENNSYLVANIA Portfolio Recorvery Associates, LLC Case Number vs. Ruth C Snyder 2014-3301 SHERIFF'S RETURN OF SERVICE 06/19/2014 01:21 PM-Deputy Christopher Sharpe, 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: Ruth C Snyder at 1125 Columbus Ave Apt. 12, Lower Allen Township, Lemoyne, PA 17043. CHRIST HEff SHARPE, DEPUTY SHERIFF COST: $82.24 SO ANSWERS, June 20, 2014 RONW R ANDERSON, SHERIFF (c)CountySuite Sheriff,Teleosoff,Inc.