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Home My WebLink About14-4445 V Supreme Court o- Pennsylvania ' Courtdf Pleas /-/ f'-, �3 �'at For Prothonotary,Use.Only: TIME STAMP GA Govern Sheet Docket No- CUM o• CUMBE . 0 un The information collected on this form is used solely for court administration putposes. This fonn does not supplement or replace the lin and service ofpleadings or other a ers as required ed b law or rules o court. Commencement of Action: I S ®Complaint ❑ Writ of Summons ❑Petition E ❑Transfer from Another Jurisdiction ❑Declaration of Taking C Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES,LLC THERESA STUM T I Are money damages requested? ® Yes 11 No Dollar Amount Requested: X within arbitration limits O (Check one) outside arbitration limits N Is this a Class Action Suit? ❑ Yes ®No Is this an MDJAppeal? ❑ Yes ®No A 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 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 Judgn7ents) CIVIL.APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection:Credit Card ❑ Board of Elections ❑ Nuisance ® Debt Collection:Other ❑ Dept.of Transportation ❑ Premises Liability ❑ Statutory Appeal:Other ❑ Product Liability(does not include S mass tort) ❑ Employment Dispute: E ❑ Slander/LibeIlDefamation Discrimination ❑ Zoning Board C ❑ Other: ElEmployment Dispute:Other E) Other: T I C] Other: MASS TORT 0 ❑ Asbestos N ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Totac Tort-DES F-1 Totac Tort-In-plant ❑ Common Law/Statutory Arbitration B, F-1 Torac Waste ElEminent Domain/Condemnation [IDeclaratory Judgment ❑ Other: E] Ground Rent E] Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure:Residential Restraining Order ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILTTY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: 16-12303 Robert N. Polas, Jr., Esquire PA Bar#201259 Carrie Brown, Esquire PA Bar#94055 Mark R Garvey, Esquire PA Bar#312686 1w;L O-�i t'F 1 C E Portfolio Recovery Associates, LLC OF THE PRO i Hoo IARV'f/� 120 Corporate Blvd Norfolk, VA 23502 2014 JELL 30 Ph 12• "'10 TELE: 1-866-428-8102 CUMBERLAND COUNTY FAX:(757) 518-0860 pEN115YLYANIA Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION-LA W PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD � ti NORFOLK, VA 23502 No. Plaintiff, / v. THERESA STUM 37 BLUE POND RD NEWVILLE PA 17241 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 /3 •�s ��1 Carlisle, PA 17013 16-12303 (717)249-3166 &VI 316,bO 04 30 y/7!� 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 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. THERESA STUM 37 BLUE POND RD NEWVILLE PA 17241 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 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 16-12303 Esta comunicacion es de un cobrador de deudas y es un intent do cobrar Una deuda. t:ualquier illfrornacion 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 TIE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION- LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff, No. V. THERESA STUM 37 BLUE POND RD NEWVILLE PA 17241 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, THERESA STUM, is an adult individual with last known address of 37 BLUE POND RD, NEWVILLE PA 17241. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK/OLD NAVY on August 11, 2008 with account number ************1254(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. 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 commtinication is from a debt collector and is an.attempt to collect a debt. An_y 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. 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 February 28, 2013. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE CAPITAL RETAIL BANK/ OLD NAVY 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$963.24. 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, THERESA STUM, in the amojmr-o-P$963.24, plus costs of t ' ac ' n and any other relief as the Court deems just and reason e. e A Brown, Esquire, #94055 Robert N. Polas, Jr., Esquire, #201259 Mark R Garvey, Esquire, #312686 Attorneys for Plaintiff 16-12303 This coirnrnin.ication is :fi-oin a debt collector and is an attempt to collect a debt. Any inforiTkation obtained will be used for that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Shirley Garcia 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: jHN 17 2014 ShirleY&Aa Custodian of Records 16-12303 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. ................................ ............... GE Capital BILL of SALE .. PRA PLCO Fresh-Naventber 2013 For value received and in further consideration of the.mutual covenants.and:conditionsset.forth in the Forward Flow Receivables Purchase.Agreement(the"Agreement"),dated as of this 91'day:of July,.2013 by and between General.Electric Capital.Corporation,GE Capital Retail Bank,GEMB Lending,.Ine.,Mono Services;L,L.C.,.RFS Holding;L.L.C,;.and.GEM.Holding,L:L.C. (collectiyely•`Seller'")and:Portfali Credit �t . . 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:theas de.Notification Files fined in the.i4 ( grecmen#),delivered by Seller to Buyer an November 24,2013,and.as further described in.the:Agreemb it. GE Capital:Retail Bank : .. Monogram Credit Services,L.L.C. :.. a :By: By: Ken Wojcik Attorney in Fa Ken Wojcik ... Title: BVF Collections Recovery Date; f •a :Date: :RFS Molding,I..L;C General Electric Capital Corporation By: Attorney in Fact en Wojcik . By: Attorney in Fact en Wojcik Date; : (- , : t . . : .. Date: fit .. [ -.(37 EM .od ing,L:L,C. GEMB:Lending, Inc. .. By:.. - By: 'Ink.. . ... Attorney in Fac en Wojcik Attorney in Fac#Men Wojcik Date: ( -(X 1,73 Dater P rtfo q 1io Recovery Associates,.LLC. . By: � MUE OLDiS i THERESA SCUM Visit us at eservice.oldnavy.com i Y- Y Account Number 1254 Customer Service:1-888-248-3182 M:MSSSS.. Previous Balance $928.24 New Balance $0.00 -Other Credits $963.24 Amount Past Due $0.00 +Fees Charged $35.00 Total Minimum Payment Due $422.00 New Balance $0.00 Payment Due Date 10/20/2013 Credit Limit $370.00 Late Payment Warning: If—do not receive your minimum paymeru by the date listed above,you may have to pay a late Available Credit $0.00 fee up to$35.00 Statement Closing Date 10/18/2013 Days in Billing Cycle 30 524 +t+t+t+t+t+ +t+t+t+t Beginning Points Balance 0 You're only 500 points away from earning a$5 Raw and Points Famed in Our Stores' 0 Card.Earn 5 points for every dollar spent at Gap, Total Points 0 Banana Republic,Old Navy,Piperlime and Athlete. POKIS TO NEXT REVARD 500 t+t+t+t+t+t+t+t+t+t+t+t+t+t+4+t+t+t+t+t+t+t+t+t+++t+f+t Tran Date Post Date Reference Number Description of Transaction or Credit Amount *Purchases in Our Sores (Cap,Old Navy,Banana Republic,Piperlime and Athlete) 10/I8 10/18 F9143009300999990 CHARGE OFF ACCOUNT-PRINCIPALS ($364.31) 10/18 10/18 1`9143009300999990 CHARGE OFF ACCOUNT*FINANCE CHARGES* ($.598.93) 1' FEES 10/12 10/12 LATE FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED 10/18 10/18 INTEREST CHARCE ON PURCHASES $0.00 TOTAL INT ERESC FOR THIS PERIOD $0.00 414-04-0+41+i*0Zg *i+:4-i+i+0+41 Total Fees Charged in 2013 S305A0 Total Interest Charged in 2013 $146.44 Total Interest Paid in 2013 $72.00 Your Annual Percentage Rate(APR) is the annual interest rate on your account. Annual Balance Expiration Percentage Subject To Interest Balance Type of Balance Date Rate Interest Rate Charge Method Purchases N/A 26.24%(v) $0.00 $0.00 2D (v)=variable rate 1h�3,tlutFRfh*rAtlbrt 0+04-•+41+0+41+0t 04-41+0+0+41++4-0+41+0+41+41+0+41+41+41+++0+41 Statement not provided to customer. PAYMENT DUE BY 5 P.M.(FT)ON THE DUE DAT NOTICE:We may convert your payment into an electronic debit.See reverse for details,Billing Rights and other important information 6544 BTR 1 3 17 131018 ZX PAGE 1 of 1 9143 1474 ND10 OIFK6544 ' Detach and mail this portion with your check.Do not include any correspondence with your check. —� ' Account Number: 1254 �)t " VV�*' "Alflilltdr&+ $422.00 $0.00 10/20/2013 $0.00 $0.00 Payment SOMME O M M E E E Please use blue or blackack ink.ink. $ OR pay on-line at We currently db not accept eservice.oldnavy.coin New address or email?Print changes on back. payments in our stores. THERESASCAM TTFDADFATATTDDTFAFDAFFTAFFTDFDTDTDFTFATATFFTTFAFTFFAAATFFTTFTFFDF 37 BLUE POND RD NEW VILLE PA 17241-9530 Make Payment To: OLD NAVY/GEC2B PO BOX 530942 ATLANTA GA 30353-0942 TTTDATTATTTA ADTFTCFAFDTFDTDTAD FTDTTD FAA ATFA ADA DDTDDTTTATAFAAA FATA 1 254, t Credits To YourAccount.•An amount stmn in parenthesis or preceded by a minus(-)sign is a credit or credit balance unless otherwise indicated. Credits will be applied to your previous balance immediately upon receipt,but will not satisfy any required payment that may be due. Bankruptcy Notice: If you file bankruptcy you must send us notice,including account number and all information related to the proceeding to the following address:GE Capital Retail Bank,Alin.Bankruptcy Dept..P.O.Box 103104,Roswell,GA 30076. Youraccount is owned and serviced by GE Capital Retail Bank Hearing Impaired.•TDD users call 1-800.444-1732. Customer Seruf questions:For account information,please call the toll free number on the front of this statement.Unless yyour name is listed on this statement,your access to information on the accaunl may be limited.You may also mail questions(but not payments)lo:P.O.Box 965004, Orlando,FL 32896.5004.Please include your account number on any comes pondentce you send to us. Payments:Send pafymtenls to the address listed on the remit portion d this stalament or pay online. Notice:See below or your Billing Rights and other important information.Telephoning about billing errors will not preserve your rights under federal law.To preserve our rights, ease write to our Billingt uiries Address,P.O.Box 965003,Orlando.FL 32896-5003. rc ases,returns,and payments me)us pia o i mg(late may no appear until nextmonth's statement. en you provide a check as payment, you authorize us either to use informal(u F our our check la make crone-lime electronic fund transfer from your ac-count or to process the payment as a check transaction.When we use informa I n tnxu your check to make an efecuonic fund transfer,funds maybe vrilhdrawn from your account as sam as the same day vie receive your payymment and you vall not receive your check back from your financial instil ion.You may choosemot to have yon payment collected electronically b sendinryg youa payment(with the payment stub),in your own envelope-not the enclosed window envel addressed to:P.O.Box 960097,thWrd0,FL 32896-0097 and not Ore Pa nenl Address. 0 ou 117117K 1`1u + rs a a ourSTatement ours emen contains more an one paymentan remittance coupon, If you think there b an error on your statement,write to us at the �e)is not received in the remittance envelope provided or(f(1�includes Billing Inquiries Address d: stapes,paper clips,tape,a folded check,or correspondence any any type GE 6-ipilal Retail Bank Condil.gm P in ls:All written communications concermnq dis u ed P.O.BOx 965003,Orlando.FL 32896.5003 anau�s,h, mi! ho any check or other pa9mens inswnneA that: p In your letter give us the following information: indicates that the payment constitutes'aymenl in talc or is tendered as fu�I Account nlorma6bn:Your name and account number. satisfaction of a disputed amount;or(ii is tendered valh other conditions of •Dai/aramarmC The dollar amount of the suspected error. limitations PDisputed Payments),m be mailed ordelivered to us at P.O. Description of Problem If you think there is an error on your bill, Box 9650033,O tondo FL 32896-5003. describe what you believe is wrong and why you believe it is a mistake Credit Reports And Account Information: If you believe that we have You must contact us within 60 days after the enor appeared on your reported inaccurate information aboutyou to a consumer-reporting agency, statement. please comact us al P.O.Box 965005.Odanda,FL 32896-5005.In doingg You must holly us of arty potential errors in rnidr+g.You may so,please identify the inaccurate information and tell us why you believe i call us.but if you do we are not required to investigate.any is incorrect.If you have a cop of the credit report That includes the potential errors and you may have b pay the amount in question. inaccurate information,please inc ude a copy d that report.We may report While we investigate whether or nit there has been an error,the infatuation about your account to credit bureaus. Late payments,mussed following are true: payments,or other defaults on your account may be reflected in your credit We cannotto tolled the amount in question,or report you as report. delinquent on thattry amount. Balance Subff-ect To Interest Charge Calculation •The charge in question may remain on your statement,and we may Method 2D(oafly Balance melMrd):We figure the,interest charge on continue to charge you interest on[hal amount.But,it we determine that your account bV applying the.pertodic rule to the'd*1 balance"of your we made a mistake. ou Oil not have to pay the amount in question or account for each day m the bitting cycle. We then adrlylhe interest to 11. any interest or other fyees related to that amount. daily balance. To get the'dairyry balance"we take the beginnln balance of While you do not have to pay the amount in question,you are flour account eacy day(vdaida includes unpaid interest),add any new resppoonnsible fa the remainder of your balance. charges,and 7plicabl8 fees,and subtract any ppmeas or credits. This •We can appy arty unpaid amount against your credit limit. yes us the dally balance.An dal y balance of less than zein will be Your Rights'7t. Vou Are gissaNsfied W+th Your Credit Card treated as zero. A separate datlV 6aWore will be calculated for each Purchases balance type,on your account.The balance(s)shown In the Interest It go are dissatisfied with the goods or services that you have Charges sectional this statement is U e sum of the daily balances for each purchased with jour credit card,and you have tried in good faith to day in the billinnQ cycle divided by the number of days in Pie billing cycle. correct the problem with the merchant you may have the right not to Melhod 2M(1Cveraqa Daily Balance including current transactions): pay the mmaininqq amount due on the purchase. We figure the imeresl charge on our account by applyingQ Ih2 periodic rale To use this right,all of the tolloring must be true: to the'avoage daily balance of your account. To gel One average dairy 1.The purchase must have been made in your home slate or within balance vre fake the nnirrqq balance d your auount each day.which 100 miles of your current mailing address,and the purchase price must includes any un es d in[e l cfiarpes frau the previous billing cycle,add have been more than 550.(Note:Neither of(hese are necessary if otnr any new cXarges,and applicablb fees and subtract any payments a purchase was based on an advertisement we mailed lo you.or rf we credits. This g yes us Oae dairy balance. Then,we add up"a0 the daily tutu the co spa d al sold you the goods a se v ces.) balances fa the fling cycle and divide the total by the number of days in 2.You must ve used your credit card fa the purchase.Purchases the billing cycle..This aaNes us the'averoge daily balance, which is the made with cash advances from an ATM or with a check Thal accesses balance shavn m the lm_st Charges s9clion of nha statement. Any your credit card account do not qualify. aszrage da, ry balance 0f less than zero will be he as zero.A separate 3.You must not yet have fully paid for die purchase., average dash balance will be calculated to each balance type on your If a0 of the criteria above are mel and you are still dissatisfied with the account. purchase.contact us in writirgat Method 6(Average Daily Balance include�.,g current transactions and GE Capital Retail Bank excluding unpaid interest charges):We r are lbe interest cfiarge on P.O.Box 965003..Odando,FL 32896.5003 your account by applying the periodic rate t.0 81e'averaQe clam balance'of While we i wesugate,the same utas apply to the disputed amount as your account. To get the average daily balance'rre lake the begins ng discussed above. fter we finish our roves gallon,vie will tell you our our of Your account each day,add anyy new charges and applicable decision.At that point,it we Think you ore an amount and you do not fees a d sub act a ty ppaayments,credits a d un dime est charges from P we may repos Vou as delinquera. the prey ohs b llinu cycle. This gores us the all bola ce. Then,vre add mlomratianAbout Payments:You mayetany time pay,in whole a up loll the dairy bi3lahces for lh8 billing cycle a tlivide the total by the irr part Ura total unpaid balance without any additional charge for nanber d days in the billing cycle, Titis gives us the"average daily prcpaymmt.Payments received after 500 PM(ET)on any day will be balance,'vhicfa is the balance shown m the Inde est Charges section d this c edited as of the next day. Credit[o your Account ma be delayed up statement. Any average Bail balance of less than zem will be treated as I five days d pamens(aJ snot received at the Paymen�Address,(b)is zero.A separate average da�y balance will be calculated fa each balance ria made in U.SY dollars d awn on a U.S.financ al Institution located in type on your auount. the U.S..(c)is not accompanied by the remittance coupon attached to OIFK6544-2-07/21/2011 This is an attempt to collect a debt and any information obtained will be used for that purpose. 'By providing a telephone number on your account,you consent to GE Capital Retail Bank and any other owner or servicer of your account contacting you about your account.including using any contact information or cell phone numbers you provide,and you consent to the use of any automatic telephone dialing system and/or an artificial or prerecorded voice when contacting you,even IT you are charged for the call under your phone plan. For changes of address,phone number and/or email,please check the box and print the changes belay. Street Address ❑ City,State Zip Phone 4 E-mail Home Phone 4 Business Phone 4 'Cell S or other phare Owe Email Address can use to contact you By providing your email address,you agree to receive email communications about your account and also give permission for us to share your email address to GAP,Inc,