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Home My WebLink About14-4277 Supreme Court of Pennsylvania Court of Common Pleas For Prothonotary Use Only: Civil Cover Sheet Docket No: Cumberland County The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the ftling and service of pleadings or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking S E Lead Plaintiff's Name: Lead Defendant's Name: CRAIG CYPHERS C PORTFOLIO RECOVERY ASSOCIATES LLC Are money damages requested? ® Yes ❑No Dollar Amount Requested: M within arbitration limits (Check one) ❑ outside arbitration limits O N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑Yes ® No A Name of Plaintiff/Appellant's Attorney: Syretta Martin, Frank Janello, Beth Arnold Howell/Greg Dye ❑ Check here if you have 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 Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ,Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E ❑ Product Liability (does not include mass tort) ❑Employment Dispute: C ❑ Slander/Libel/Defamation Discrimination T ❑ Other: ❑Employment Dispute: Other ❑ Zoning Board ❑ Other: 0 N E3Other: MASS TORT ❑ Asbestos ❑ Tobacco B ❑ Toxic Tort- DES ❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste ❑ Ejectment ❑ Common Law/Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partion ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 111120 2876604 PPTXCPRI(05/06/2014) 11111111111111 IN 11111111 ILII'VIII 11111 VIII VIII VIII VIII 111111111 IN Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff, 1835 Market Street, Suite 501 PORTFOLIO RECOVERY ASSOCIATES LLC Philadelphia, PA 19103 800-850-1079 PORTFOLIO RECOVERY ASSOCIATES LLC c/o Blatt, Hasenmiller, Leibsker & Moore, LLC IN THE COURT OF COMMON PLEAS 1835 Market Street, Suite 501 Philadelphia, PA 19103 CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION y CRAIG CYPHERS [TIF 0 31 GREENMONT DR ENOLA PA 17025CD C Defendant. ;� _ '�•, NOTICE TO DEFEND � 1 7 You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by 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 for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 800-990-9108 s D ' 2876604 Vl � L PPTNPRAI (04/24/2014) 11111111 11111 IN 111111 11 111111 11111 11111 11111 11111 11111 11111 1111111 11 AVISO Le han demandado a usted en la corte. Si usted quiere defen derse de estas demandas expuestas en las paginas siguientes, usted tiene veinte dias de plazo al partir de la fecha de la demanda y la notificacion. Hase falta ascentar una comparencia escrita o en persona o con un aboga do y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisa do que si usted no se de fiende la corte tomara medidas y puede continuar la demanda en contra suva sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propieda des u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAIL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 800-990-9108 Syretta Martin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 Greg Dye, Esq. PA Bar #205316 Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 TELE: 800-850-1079 FAX: (215) 564-3818 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. CRAIG CYPHERS 31 GREENMONT DR ENOLA PA 17025 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(s), CRAIG CYPHERS, is/are an adult individual with last known address of 31 GREENMONT DR ENOLA PA 17025. 3. It is averred that Defendant(s) opened an account on 12-27-04 with account number XXXXXXXXXXXX2585 (hereafter referred to as "Account"). A copy of the charge-off statement is attached hereto and collectively marked as Exhibit "A". 4. By using the Account, Defendant(s) agreed to repay any incurred balances, charges and/or cash advances made to the Account. Failure to pay Defendant(s) incurred charges on the Account is considered a default. 2876604 PPTCPRAI (05/27/2014) 111111111 VIII IIII 11111111111111111111111111111111111111111111111111111 IIII 5. At all relevant times material hereto, Defendant(s) has used said Account for the purchase of products, goods, and/or for obtaining services. 6. Defendant(s) was provided with copies of Account statements showing debits and credits for transactions on the aforementioned Account to which there was no bonafide objection by Defendant(s). 7. Defendant(s) was in default with respect to that debt for failure to make the required payments on the Account. The last payment date on this Account was on or about 04-09-2013. 8. Plaintiff is the purchaser, assignee and/or successor in interest of GE CAPITAL RETAIL BANK/PAYPAL and Plaintiff is now the holder of the Account. A true and correct copy of Plaintiff's Verification is attached hereto. 9. As of the date within the Complaint, the remaining balance due, owing and unpaid of Defendant(s) Account, as a result of Defendant(s) and/or any authorized user's of said Account is in the sum of $1304.81. 10. Despite reasonable and repeated demands for payment, Defendant(s) has refused and continues to refuse to pay all sums due and owing on the aforementioned Account, all of the damage and detriment of the Plaintiff. WHEREFORE, Plaintiff respectfully requests this Honorable court enter Judgment in favor of Plaintiff and against Defendant(s) CRAIG CYPHERS, in the amount of $1304.81, plus costs of this action and any other relief as the Court deems just and reasonable. Respectful) S mitted, Dated: Syre a Martin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 Greg Dye, Esq. PA Bar #205316 Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 TELE: 800-850-1079 FAX: (215) 564-3818 Attorneys For Plaintiff BHLM REF #: 2876604 VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Tamara Bond 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: JUN 2 5 2014 By: Tamara Bond Custodian of Records BHLM REF #: 2876604 PPTXPVRI (05/27/2014) Exhibit " A " I SIM- 2876604 PPTXEXAI ( 04/17/2014 ) Pay ' Smart Connect Pay a Smart CRAIG CYPHERS Visit us at www.paypal.com Connect Account Number 2585 Customer Service: 1-866-899-6190 Summary of Account Activity Payment Information Previous Balance $1,398.91 New Balance $0.00 -Other Credits $1,398.91 Amount Past Due $0.00 New Balance $0.00 Total Minimum Payment Due $442.00 Payment Due Date 11/27/2012 Credit Limit $1,100.00 Late Payment Warning:If we do not receive your minimum Available Credit $0.00 payment by the date listed above,you may have to pay a late Statement Closing Date 11/25/2012 fee up to$35.00. Days in Billing Cycle 28 Transaction Summary Tran Date Post Date Reference Number Description of Transaction or Credit Amount OTHER CHARGES 11/25 11/25 F926300N000999990 CHARGE OFF ACCOUNT-PRINCIPALS ($1,063.36) 11/25 11/25 F926300N000999990 CHARGE OFF ACCOUNT*FINANCE CHARGES' ($335.55) TOTAL OTHER CHARGES FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 11/25 11/25 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2012 Totals Year-to-Date Total Fees Charged in 2012 $175.00 Total Interest Charged in 2012 $273.46 Total Interest Paid in 2012 $145.20 Interest Charge Calculation Your Annual Percentage Rate(APR's the annual interest rate on your account. Expiration Annual Balance Subject Interest Type of Balance Date Percentage Rate to Interest Rate Charge Regular Purchase NA 26.99%(v) $0.00 $0.00 (v)=Variable Rate Cardholder News and Information We understand the impact of natural disasters can be difficult and we hope you and your loved ones are safe.If you need special assistance with your account,our representatives are available to assist you by calling the number on this statement. 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. 5484 AVH 1 3 25 121125 Z x PAGE 1 of 1 9263 1000 PP08 011.N5484 Detach and mail this portion with your check.Do not include any correspondence with your check. —I PayPat smart Account Number: 2585 Connect Total Minimum Amount Payment Due Overlimit New Balance Payment Due Past Due Date Amount $442.00 $0.00 11/27/2012 $0.00 $0.00 Payment Enclosed: s ❑11 00F] . ❑ ❑ ■ ❑❑ Please use blue or black ink. Save a stamp,pay on-line at www.paypal.com New address or email?Print Changes on back. CRAIG CYPHERS 31 GREENMONT DR ENOLA PA 17025-2644 Make Payment to: PAYPAL CREDIT SVCS/GECRB PO BOX 960080 ORLANDO,FL 32896-0080 Syretta Martin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 C ,; 1 , , Greg Dye, Esq. PA Bar #205316 Blatt, Hasenmiller, Leibsker & Moore, LLC � � r� 1835 Market Street, Suite 501 �l Z3 Philadelphia, PA 19103 CUNS`R n : TELE: 215-564-1567 FAX: 215-564-3818 �/r , O co L Vl PORTFOLIO RECOVERY ASSOCIATES LLC c/o Blatt, Hasenmiller, Leibsker & Moore, LLC IN THE COURT OF COMMON PLEAS 1835 Market Street, Suite 501 Philadelphia, PA 19103 CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION VS. No. CRAIG CYPHERS / 31 GREENMONT DR ENOLA PA 17025 Defendant(s). PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly ENTER my appearance in the above-captioned matter on behalf of PLAINTIFF PORTFOLIO RECOVERY ASSOCIATES LLC. Papers may be served at the address set forth below: Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 Telephone Number: 1-215-564-1567 BLATT, HASENMILLER, LEIBSKER & MOORE, C Dated: B 4Syra artin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 Greg Dye, Esq. PA Bar #205316 Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 TELE: 215-564-1567 FAX: 215-564-3818 Attorneys For Plaintiff 2876604 PPTXPEAI (05/12/2014) 11111111111111 IIII 11111111111111111111111111111111111111111111111111111 IIII Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY Y_. ! -HE PROTUONO'1A i• p fi1Iltqurp�� 20111 AUG 19 AM I 20 CUMBERLAND COUNTY PENNSYLVANIA OFFICE of 114E SMERI w Portfolio Recorvery Associates, LLC vs. Craig Cyphers Case Number 2014-4277 SHERIFF'S RETURN OF SERVICE 08/11/2014 07:37 PM - Deputy Jamie DiMartle, 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: Craig Cyphers at 31 Greenmont Drive, East Pennsboro, Enola, PA 17025. IE DIMARTLE, DEPUTY SHERIFF COST: $44.95 SO ANSWERS, August 12, 2014 (C) CountySuite Sheriff, Teleosoft, I RONNY R ANDERSON, SHERIFF