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Home My WebLink About14-4446 Supreme Caurt7ptPennsylvania ' Court ff Cm mon Pleas Cik'6I f'� > u , For Prothonotary Use Only: T[MLSTA M1) ,&overhSh et Docket=No• CUMB - Co unty The information collected on this,fonn is used solely for court administration putposes. This form does not supplement or replace thefiling and service ofpleadings or other a ers as required by law or rules o court. Commencement of Action: 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 KARAN M BERRY T I I { O Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits N (Check one) outside arbitration limits Is this a Class Action Suit? ❑ Yes ® No Is this an MD.lAppeal? ❑ 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 Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection:Credit Card ❑ Board of Elections ❑ Nuisance a Debt Collection:Other ❑ Dept.of Transportation ❑ Premises Liability ❑ Statutory Appeal:Other S ❑ Product liability(does not include mass tort) ❑ Employment Dispute: E ❑ Slander/Libel/Defamation Discrimination ❑ Zoning Board C E] Other: ElEmployment Dispute:Other E] Other: T I MASS TORT E] Other: O ❑ Asbestos N ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort-DES ❑ Toxic Tort-Implant El Ejectment E-] CommonLaw/Statutory Arbitration $ ❑ Toric Waste [3 Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Other: E] Found Rent E] Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure:Residential Restraining Order ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: 16-11115 i Robert N. Polas, Jr., Esquire PA Bar#201259 Carrie Brown, Esquire PA Bar#94055 E Mark R Garvey, Esquire PA Bar#312686 („ E D_-- OF Portfolio Recovery Associates, LLC 120 Corporate Blvd 2014 JUL 30 Phi 12= -11 Norfolk, VA 23502 TELE: 1-866-428-8102 CUMBERLAND COUNTY FAX: (757) 518-0860 PENNSYLVANIA Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION-LA W PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD ,J NORFOLK, VA 23502 No. Plaintiff, V. KARAN M BERRY 1715 WALNUT BTM 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 AWYERIF 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 J13• (717)249-3166 16-11115 04 5��,/G3 Ail 3 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. KARAN M BERRY 1715 WALNUT BTM 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 falls 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 16-11115 Esta commicacion es de un cobrador de deudas y es un intent do cobrar Lum deuda. Cualquier infronmcion 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. KARAN M BERRY 1715 WALNUT BTM 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, KARAN M BERRY, is an adult individual with last known address of 1715 WALNUT BTM RD, NEW VILLE PA 17241. 3. It is averred that Defendant was indebted to HSBC BANKNEVADA, N.A. /CAPITAL ONE BANK(USA), N.A/AMERITECH on December 1, 2009 with account number ************7498 (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. 'I'llis corrMTinnication is from.a debt collector and is an attempt to collect a debt. Any 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 July 17, 2012. 8. Plaintiff is the purchaser, assignee and/or successor in interest HSBC BANK NEVADA, N.A. / CAPITAL ONE BANK(USA), N.A./AMERITECH and Plaintiff is now the holder of the Account. A true and correct copy of the Plaintiff s 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$1,662.59. 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, KARAN M BERRY, iaBirown, ,662.59, plus costs of t action and any other relief as the Court deems just andEsquire, #94055 Robert N. Polas, Jr., Esquire, #201259 Mark R Garvey, Esquire, #312686 Attorneys for Plaintiff 16-11115 This coirnznniication is E-om a debt collector and is an attempt to collect a debt. Any infonnation 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 belies; 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. JUN 17 2014 Date: y: Shirley Garcia Custodian of Records 16-11115 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. X HIBIT 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. .............................................................................................................................................. .. .. ............................ . : Exhibit•1 . :. .•...•. .. .: Forward Flowlteceivable.gal e . . . .... ' .•': .• . . .. . � • BILL;OF SAYE- ..:�• . .� :- . :•. � ::�:•� .:- :. . ; • : :.. �.:� .... .... :Gtosingbate;'03/15/2013 : :; • ::: Capital Oiie, National':Association:(".Se11er"); in consideration::of.a ltiurchase lsrice :of and-other;valuable.:cons deration;-the4eoeipt :of which-is-Hereby. acknowledged;: :: .: . :. Hereby sells assigns- and transfers all ght;title and interest.in:the 1},ccounts identified in the Sale File•entitled. .. .__ : .___ : __.�_ . . ... .. . w h iri 'i -electronic form 'to Fo ' :.: . ... ... . ;. . rtf011o :Reeover Associates;: LLC'-iiiid.:it*--i- l ates.'-and•lts-astibs'idi*—:6 it es::C Bux 1),: without : - : : recourse or r,01*ei"tion:except,as.expresslyprovided herein or:on the terms;and subject to:the . .. ... tdnditions;:set'foith iii the Agreement'(as:defined below):. ' : : • : ' This.Bi I.of Sale: delivered: pursuant to'that:.ceiWft-.Forward :Flaw Receivable::Scle.• ': ' : . 'Agreement,:dated-a's:of 0.1%1072013;:by.and-between Seller:and:Buyer.(t Agreement' :..All capitalized-terms:used;-but not definers; in this.Bill of Sale•shall.have' Ahe meanings assigned tb.'......... ..... such terms in-the : . .The Cutoff:Date for.thei-&le F.ilei vas.03/12/,2013. Thea ate U � id Balance.of'the. .. : ... -- . : ..:..:Wig:. :�a. . . . . . .. .. . Accounts•as of the Cufoff Date was :. CAPITAL ONE, NATIONAL ASSOCIATION.: .. .�.�. Nariie:•Jolie�H�•1Cilaurer`...�..:. .-. •;. Title:dice President Exhibit 2 . .Forward.Flow Receivable Sale Agreement dated .. ... .... . BILL QF SAi.E: : : :..: ClosingllateAV15/20.13 . . : . . Capital'One Bank"(USA)"M#priM Association.{"Seller"},.in corisidertttion af.a P.urcliase:' ' .. ' Price :of' :other 'valuable consideration; :die:receipt: : of which is .Hereby aclpowledged, -4eretiy:sel_ls,. assigns' and:transfers all,right;"title:and interest in-t6.,Accounts:- :. identified:in the Sale.,File:entitled (which may be.in electronic foisn): to ;Portfolio' Recovery.:Associates; :LI,C: .and :its.affiliates 'arid itis. subsidiary :entities.. without recourse. or:represenfiation-exc+'t�as:expressly:piovided::heicein::or'.on::tlie'::. .. . . . •' terms ;and subject to the conditions'.set forth. A gre6lneii {as defined below). :. .. This BOL of Sa1e.-is:.delivered pursuant fo that;certain Forward* F16* Receivable:Sale :. . :A en dated:as of.bill b12413, liy and between:Seller:arid Bu er the "A :.. m . y ( gxee�ment ). All' " .'capitalized.terms used,:but,hof defin 4 -:in this.Bill sof Sale-sh-alt have'the.meanieed to" : . .suchlaim:ih.th6-Agtte;iipi.t. Cutoff Date for the Sale,File:was 0311212013; Tlie.aggregate:UnpaidJ alance of the.'... .. ' Accounts:as ofthe Cutoff Dite was ' CAPIxAL��NE�BAN.K{U :: . :: SA);.1�IATIONAL . AS .Name John H. Maurer : . .Title:Vice President,:... . .. HUUNh.HULD BANK FLA I.INUM MANItKUAKU KARAN M BERRY Household Bank Platinum MasterCard Account Account Number�7498 Page I of 2 From]nnuary 30,20103 f re m�Zary T2013 utTmary'ot.AccouM Activity Paythett 1 n Previous Balance $1,638.19 New Balance 51.662.59 Payments - $0.00 Minimum Payment Due S320.00 Other Credits $0.00 Payment Due Date March 24,2013 Purchases/Debits + $0.00 Balance Transfers + $0.00 Late Payment Warning:If we do not receive your minimum payment by the Cash Advances + $0.00 date listed above,you may have to pay a late fee of up to$35.00 and your APRs Past Due Amount 5278.00 may be increased to the Penalty APR of 29.40%. Fees Charged + $0.00 Interest Cha ed + $24.40 New Balance $1,662.59 Minimum Payment Waming:lf you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay blf your Credit Limit $1,400.00 Credit Available $0.00 balance.For example: Statement Closing Date February 27,2013 Days in Billing Cycle 28 Ifyou make no additional You will payoff 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 10 Years $3,603 Payment $61 3 Years $2,202 (Savings=$1,401) If you would like information about credit counseling services call 1-866-569-2227. Questions? Payment Address:I ISBC Card Services,PO Box 71104,Charlotte,NC 24-Hour Customer Service 1-80OA62-2016 28272-1104 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/Hearing Impaired 1-800-395-9020 Manage Your account online at www.householdbank.com uerue� .�i'r'dii n �ri - 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. As a reminder,you may pay your credit card bill online or through our automated phone system for no fee. u,i rioq _ ranSluYions �,,s ees Trans Date Post Date Description of Fees Reference Number Amount Total Fees For This Period $0.00 d Description of Interest Charge Amount INTERESTCHARGE ON CASH ADVANCES $0.00 INTEREST CIIARGE ON PURCHASES 523.73 INTEREST CHARGE ON BALANCE $0.67 TRANSFERS Total Interest For This Period $24.40 '3 Totals to bite Total fees charged in 2013 $0.00 Total interest charged in 2013 $50.96 Detach and Mam bonom ponion with your payment. 090750 4 101 0000000/03 STMTOS D D 12157 HDPI See reverse side for Important information __________________________________________________________________________________________________________________________________________ Account Number. 7498 New Balance $1,662.59 Minimum Payment Due $320.00 Payment Due Date 03/24/2013 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 #106106677490# HSBC CARD SERVICES KARAN M BERRY PO BOX 71104 5500 LINCOLN WAY E LOT 37C CHARLOTTE NC 28272-1104 FAYETTEVILLE PA 17222.1075 m4i(hull)t)91i)11))14)h4)tldlmPh�114dllydtltul 7498 riUUJrriUL.0 BANK YLA 11N UM MAS I hKl;AKll KARAN M BERRY cc a Household Bank Platinum MasterCard Account Account Number 7498 Page 2 of 2 Prom.fanUlrY 30 201013 Your Annual Percentage Rate(APR)is the annual interest rate on your account. Type of Balance Annual Percentage Rate(APR) Balance Subject to Interest Rate Interest Charge BALANCE TRANSFER 15.99% $54.47 $0.67 70002 PURCHASES 00001 15.99% $1,191.14 $14.61 PURCHASES 00001 29.40% $404.28 $9.12 CASH ADVANCES 80001 29.40% $0.00 $0.00 BALANCE TRANSFER 29.40% $0.00 $0.00 71111 v=Yariahle Rale Cll r News Avoid being a victim of identity theft.Manage your account online and enroll in paperless statements.Sign Up at householdbank.com/register 09075041 01 0000000103 ST14Ta8 D D 12157 HDPI -----------------------------------------------------______________________________________________________ Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY THE 1400 THONG 2.1314 AUG12 Pii 12: 34 COUNT PENNSYLVAN A Y OFFiCF, or THE SHERIFF Portfolio Recovery Associates, LLC vs. Karen M Berry Case Number 2014-4446 SHERIFF'S RETURN OF SERVICE 08/04/2014 05:54 PM - Deputy Jason Kinsler, 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: Karen M Berry at 1715 Walnut Bottom Road, Penn Township, Newville, PA 17241. 412, —1c., JASON KINSLER, DEPUTY SHERIFF COST: $36.40 SO ANSWERS, 'K. 1,2 August 05, 2014 RONNY R ANDERSON, SHERIFF (c) Countyul.o Sheriff, Teleosoft. Inc. 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. KARAN M BERRY 1715 WALNUT BTM RD NEWVILLE PA 17241 : No. 14-1116 PRAECIPE FOR DEFAULT Defendant JUDGMENT 16-11115 Filed on Behlaintiff Counsel . , Rec,.�'d for this Party er. Polas, Jr., Esquire, # 201259 Carrie A Brown, Esquire, # 94055 Mark R Garvey, Esquire, # 312686 Gregory J. Babcock, Esquire, #205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff pua s9c)-)cpq el4vd- This communication. is from a debt collector is an attempt to collect a debt. D A CSG 7nitja Any information obtained will be used for that nuraose. • 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. KARAN M BERRY 1715 WALNUT BTM RD NEWVILLE PA 17241 Defendant : No. 14-4446 PRAECIPE FOR DEFAULT JUDGMENT Please enter Judgment in Favor of Plaintiff and against Defendant, KARAN M BERRY, for failure to answer the Complaint. (X) Amount Due $1,662.59 Less Credits $.00 TOTAL $1,662.59 (X (X (X 16-11115 I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. Pursuant to PARC.P.237 (Notice for Final Judgment or Decree), I certify that a copy of this praecipe has been mailed to each other party who appeared in the action or to his/her attorney of record. Pursuant to PARC.P.231.1, I certify that a written notice of intention to file this praecipe was mailed or delivered to the p.. aga t whom judgment is to be - ed and to his/her attorney of record, if any fter • e default occurred and at le -n days prior to the date of the filing of this g. aec •l + p. : etic l� . shed. Obert N. Polas, Jr., Esquire, # 201259 Carrie A Brown, Esquire, # 94055 Mark R. Garvey, Esquire, # 312686 Gregory J. Babcock, Esquire, #205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff This communication is :from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 v. KARAN M BERRY 1715 WALNUT BTM RD NEWVILLE PA 17241 Plaintiff No. 14-4446 Defendant NOTICE OF JUDGMENT (X) Notice is hereby given that a judgment in the above -captioned matter has been entered against you in the amount of $1,662.59. (X) A copy of all documents filed with the Prothonotary in support of j�e withindgme, t /are attached. If you have any questions regarding this Notice 16-11115 obert N. Polas, Jr., Esquire, # 201259 Carrie A Brown, Esquire, # 94055 Mark R. Garvey, Esquire, # 312686 Gregory J. Babcock, Esquire, #205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) 1-866-428-8102 (F) (757) 518-0860 Attorneys for Plaintiff This communication is from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. PORTFOLIO RECOVERY ASSOCIATES, LLC Litigation Department 120 Corporate Blvd Norfolk, VA 23502 Telephone: 1-866-428-8102 Fax: (757) 518-0860 Hours of Operation: Monday through Thursday 8 AM to 11 PM, Friday 8 AM to 9 PM, Saturday 8 AM to 5 PM, Sunday 12 PM to 11 PM (EST) September 2, 2014 KARAN M BERRY 1715 WALNUT BTM RD NEWVILLE PA 17241 RE: PORTFOLIO RECOVERY ASSOCIATES, LLC VS. KARAN M BERRY 14-4446 Dear KARAN M BERRY: Enclosed herein please find a 10 -Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. 16-11115 Sincerely, Robert N. Polas, Jr., Esquire Carrie A. Brown, Esquire Mark R. Garvey, Esquire Gregory J. Babcock, Esquire Attorney ID #201259/94055/312686/205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 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. 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. 14-4446 v. KARAN M BERRY 1715 WALNUT BTM RD NEWVILLE PA 17241 Defendant TO: KARAN M BERRY 1715 WALNUT BTM RD NEWVILLE PA 17241 DATE OF NOTICE: September 2, 2014 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. 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. 16-11115 Lawyer Referral Service - CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 Robert N. Polas, Jr., Esquire Carrie A. Brown, Esquire Mark R Garvey, Esquire Gregory J. Babcock, Esquire Attorney ID #201259/94055/312686/205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 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. 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. KARAN M BERRY 1715 WALNUT BTM RD NEWVILLE PA 17241 Defendant No. 14-4446 AFFIRMATION OF NON-MILITARY SERVICE The undersigned counsel, as attorney for Plaintiff, herein affirms under the penalties of perjury that I am the attorney for the Plaintiff in the above -captioned matter, and that to the best of my knowledge, information and belief, the above named Defendant, is over 21 years of age; is last known to reside at 1715 WALNUT BTM RD NEWVILLE PA 17241 and is not in the military service of the United States or its Allies, the Service Members Civil Relief Act and its Amendments. 16-11115 rwise within the provis Rws-o ert N. Polas, Jr., Esquire, #201259 Carrie A. 13rown, Esquire, #94055 Mark R. Garvey, Esquire, #312686 Gregory J. Babcock, Esquire, #205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 (T) (866) 428-8102 (F) (757) 518-0860 Attorneys for Plaintiff This communication is a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Department of Defense Manpower Data Center Srntus Report t to Servicementbers Civil Relief Act. Last Name: BERRY First Name: KARAN Middle Name: M Active Duty Status, As Of: Sep -17-2014 Results as of: Sep -17-2014 04:48:09 PM SCRA 3.0 On Active Duty On Active Duty Status Date Active Duty Start Date Active Outy End Date Status Service Component NA NA ...::::r-:•: NA This response This response reflects theindNicualsactive duty status based on the'Act' Duty Status Date Left Active Duty Within 387 Dys of Active Duty Status Date Active Duty Start Date Active Duty End Dale Status Service Component NA • . ...::::r-:•: NA This response reflects whie• e individual left active duty.status within 387 - days Preceding the ActiVe. Duty Status Date The Member or His/Her Unit Was Notified of a Futu e Call -Up to Active Duty on Active Duty Status Date Order Notification Start Date Order Notification End Date Status Service Component NA NA . . .. .. . This response reflects whelher.the individual or his/tier unit has received natty notifiCation'to report for active duly • • . Upon searching the data banks of the Department of Defense Manpower Data Center based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the UnifOrined•SerVIC:ei".(Army, Navy, Marine Corps, Air Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. Yli Mary M. Snavely -Dixon, Director Department of Defense - Manpower Data Center 4800 Mark Center Drive, Suite 04E25 Arlington, VA 22350 The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 501 et seq, as amended) (SCRA) (formerly known as the Soldiersand Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service via the "defenselink.mil" URL: http://www.defenselink.mil/faq/pis/PCO9SLDR.html. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 521(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d) (1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. At Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOM Commissioned Corps), Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begun active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided. Certificate ID: GDE6U7D7WOCEZ10