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Home My WebLink About14-5037 Supreme Court of Pennsylvania Court of Common Pleas For Prothonotary Use Only: Civil Cover Sheet Docket No: Cumberland County 4 The information collected on this form is used solely for court administration purposes. This farm does not supplement or replace the filing and service of pleadings or other papers as required by law or rules of court. Commencement of Action: (0 Complaint 0 Writ of Summons ❑ Petition 0 Transfer from Another Jurisdiction ❑ Declaration of Taking S E Lead Plaintiff's Name: Lead Defendant's Name: JANET M LEACH C PORTFOLIO RECOVERY ASSOCIATES LLC T Dollar Amount Requested: M within arbitration limits I Are money damages requested? Yes No (Check one) El outside arbitration limits 0 N Is this a Class Action Suit? ❑ Yes No Is this an MDJ Appeal? El Yes N No A Name of Plaintiff/Appellant's Attorney: Syretta Martin, Frank Janello, Beth Arnold Howell/Greg Dye Fj 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. TORTtdo not include Mass Tort) CONTRACT/do not include Judgments) CIVIL APPEALS 11 Intentional 0 Buyer Plaintiff Administrative Agencies E3 Malicious Prosecution Debt Collection: Credit Card El Board of Assessment El Motor Vehicle ❑ Debt Collection: Other 0 Board of Elections 13 Nuisance 0 Dept, of Transportation S El Premises Liability El Statutory Appeal: Other E 0 Product Liability tdoes not include 0 Employment Dispute: mass tort) C 11 Slander/Libel/Defamation Discrimination T 0 Other: 0 Employment Dispute: Other 171 Zoning Board 1 0 Other: 0 N Other: MASS TORT r7l 0 Asbestos 11 Tobacco B [I Toxic Tort-DES 0 Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS 1:1 Toxic Waste 0 Ejectment El Common Law/Statutory Arbitration 0 Other: 0 Eminent Domain/Condemnation 0 Declaratory Judgment [71 Ground Rent 0 Mandamus 0 Landlord/Tenant Dispute C3 Non-Domestic Relations 11 Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY M Mortgage Foreclosure: Commercial El Quo Warranto 0 Dental M Partion 0 Replevin 0 Legal 0 Quiet Title 0 Other: 0 Medical 0 Other: 0 Other Professional: Updated 111120 2824358 PPTXCPRI(05/06/2014) 11111111111111 IN 11111111111111111111111111111111111111111111111111111 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 vs. No. 5� c yr JANET M LEACH � 4341 CARLISLE PIKE APT C8 C= f,1,1�= CAMP HILL PA 17011 .a Defendant. Cn� NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the followmpages, 't 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 a'�A 2824358 PPTNPRAI (04/24/2014) IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII -�- �l a 3a° e T 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 TAL 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. JANET M LEACH 4341 CARLISLE PIKE APT C8 CAMP HILL PA 17011 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), JANET M LEACH, is/are an adult individual with last known address of 4341 CARLISLE PIKE APT C8 CAMP HILL PA 17011. 3. It is averred that Defendant(s) opened an account on 09-01-10 with account number XXXXXXXXXXXX4546 (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. 2824358 PPTCPRAI (05/27/2014) 1111111111111 IN 11111111111111111111111111111111111111111111111111111 IN 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 07-18-2011. 8. Plaintiff is the purchaser, assignee and/or successor in interest of U.S. BANK NATIONAL ASSOCIATION ND 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 $3013.56. 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) JANET M LEACH, in the amount of $3013.56, plus costs of this action and any other relief as the Court deems just and reasonable. Respectfully Submitted, Dated: /Syretta Martin, Es . PA Bar #309370 Frank Janello, sq. 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 #: 2824358 VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, David D 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 4 2014 By: David D.Sage Custodian of Records BHLM REF #: 2824358 PPTXPVRI (05/27/2014) Exhibit "All 2824358 PPTXEXAI ( 04/17/2014 ) Sweford —Nati�Bank LISTENING IS JUST THE 8EGINNIN- � February Statement for activity from Jan. 25,2012 through Feb. 29, 2012 Inquiries: 1-866-794-2137 JANET M LEACH ELN 35 Page 1 of 2 Y ui lffs FI"Nu119 C ar. a count ata 9-I nce Acct�urtt� 454 Activity Summary Payment Information Previous Balance.................... $2,727.37 New Balance........................... $2,684.90 Payments................................. $0.00 Minimum Payment Due(Current Month) $0.00 Other Credits........................... $2,684.90CR Minimum Payment Due(Past Due) $0.00 Purchases................................ $0.00 Total New Minimum Payment Due $0.00 Balance Transfers................... $0.00 Payment Due Date.................. Mar.25,2012 Advances................................. $0.00 Other Debits............................ $0.00 Late Payment Warning: If we do not receive your Past Due Amount.................... $0.00 minimum payment by the date listed above,you may have Fees Charged......................... $216.00CR to pay up to a$35.00 Late Fee. Interest Charged.................... $138.15CR New Balance........................... $2,684.90 Credit Line............................... None Available Credit....................... None Statement Close Date............. Feb.29,2012 Das in Billing Cycle............... 36 To reduce or avoid paying additional fees and interest charges on your purchase balance,pay the total new balance of$2,684.90 by 03125112.Any cash balance or balance transfer balance will continue to accrue daily interest until the date your payment is received. 7ransacfi[Qns Post Trans Ref. Date Date Nbr Description of Transaction Amount Payments ane#OthetCredits: ... .... .. 02/29 CHARGE OFF........................................................................... $2,684.90CR .. _ ..... .... ._ .... . . _ _ ... .... ..... .... FeesCharged _... . .. . ... . .. . .... ...., .. .. .... ... .... ....... _..., 02/29 REVERSAL OF LATE PAYMENT FEE.................................... $200.00CR 02/29 REVERSAL OF OTHER FEES AT CHARGE OFF................. $16.00CR TOTAL FEES FOR THIS PERIOD........................................... $216.00CR Interest Charged .. ... . _ .. ..... . ... .. . .. . . ... .., . 02/29 INTEREST REVERSAL............................................................ $138.15CR TOTAL INTEREST FOR THIS PERIOD.................................. $138.15CR Continued on Next Page Please detach and send coupon with check payable to:Cardmember Service 4546 Swufeford National Bank Your Account Number: 4546 LISTENING IS JUST THE BEGINNING- Total New Balance: $2,684.90 Minimum Payment Due: $0.00 To change your address or forPaymertf Dub Date EnteM Amount of Pajjmnt£rosmd Cardmember Service please call: ' "° 1-866-794-2137 Every Hour!Every Day! Mar.25,2012 m Cardmember Service JANET M LEACH P.O. Box 790408 124 HERMAN AVE#1 St.Louis, MO 63179-0408 LEMOYNE PA 17043-2059 lug �lll� I u I I I nl� I I �I Inl �I h �I IIRill i'illi"Illllll'11'lllJill llJilllllllllhhl�l�ll'I"11'11, II I III IIIIIIII IIIIIIIII II I III I What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement,please call us at the telephone number on the front of this statement,or write to us at: Cardmember Service,P.O.Box 6335,Fargo,ND 58125-6335. In your letter or call,give us the following information: ►Account information:Your name and account number. ►Dollar amount:The dollar amount of the suspected error. ►Description of Problem:If you think there is an error on your bill,describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement.While we investigate whether or not there has been an error,the following are true: ►We cannot try to collect the amount in question,or report you as delinquent on that amount. ►The charge in question may remain on your statement,and we may continue to charge you interest on that amount.But,if we determine that we made a mistake,you will not have to pay the amount in question or any interest or other fees related to that amount. ►While you do not have to pay the amount in question,you are responsible for the remainder of your balance. ►We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card,and you have tried in good faith to correct the problem with the merchant,you may have the right not to pay the remaining amount due on the purchase. To use this right,all of the following must be true: 1.The purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase price must have been more than$50.(Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or if we own the company that sold you the goods or services.) 2.You must have used your credit card for the purchase.Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3.You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase,contact usin writing at:Cardmember Service,P.O.Box 6335, Fargo,ND 58125-6335.While we investigate,the same rules apply to the disputed amount as discussed above.After we finish our investigation, we will tell you our decision.At that point,if we think you owe an amount and you do not pay we may report you as delinquent. Important Information Regarding Your Account 1.INTEREST CHARGE:Method of Computing Amount Subject to Interest:We calculate the periodic rate or interest portion of the INTEREST CHARGE by multiplying the applicable Daily Periodic Rate("DPR")by the Average Daily Balance("ADB")(including new transactions)of the Purchase,Advance and Balance Transfer categories subject to interest,and then adding together the resulting interest from each category.We determine the ADB separately for the Purchases,Advances and Balance Transfer categories.To get the ADB in each category,we add together the daily balances in those categories for the billing cycle and divide the result by the number of days in the billing cycle.We determine the daily balances each day by taking the beginning balance of those Account categories(including any billed but unpaid interest,fees,credit insurance and other charges),adding any new interest,fees,and charges,and subtracting any payments or credits applied against your Account balances that day.We add a Purchase,Advance or Balance Transfer to the appropriate balances for those categories on the later of the transaction date or the first day of the statement period.Billed but unpaid interest on Purchases,Advances and Balance Transfers is added to the appropriate balances for those categories each month on the statement date.Billed but unpaid Advance Transaction Fees are added to the Advance balance of your Account on the date they are charged to your Account.Any billed but unpaid fees on Purchases,credit insurance charges,and other charges are added to the Purchase balance of the Account on the date they are charged to the Account.Billed but unpaid fees on Balance Transfers are added to the Balance Transfer balance of the Account on the date they are charged to the Account.In other words,billed and unpaid interest,fees,and charges will be included in the ADB of your Account that accrues interest and will reduce the amount of credit available to you.Credit insurance charges are not included in the ADB calculation for Purchases until the first day of the billing cycle following the date the credit insurance premium is charged to the Account.Prior statement balances subject to an interest-free period that have been paid on or before the payment due date in the current billing cycle are not included in the ADB calculation. 2.Payment Information:Make checks payable to Cardmember Service.Use the enclosed return envelope to mail your payment to: Cardmember Service,P.O.Box 790408,St.Louis,MO 63179-0408.All payments by check or money order,in U.S.dollars and accompanied by a payment coupon will be credited to your Account on the day of receipt if received at this address by 5:00 p.m.CST on any banking day. Banking days are all calendar days except Saturday,Sunday,and federal holidays.Payments due over a Saturday,Sunday or federal holiday and received on those days will be credited on the day of receipt.Other types of mailed payments will be processed within five banking days of receipt by Cardmember Service and credited to your Account on the day of receipt. 3.Credit Reporting:We may report information on your Account to Credit Bureaus.Late payments,missed payments or other defaults on your Account may be reflected in your credit report. fSweford National Bank LISTENING IS JUST THE BEGINNING �4 February Statement for activity from Jan.25,2012 through Feb. 29, 2012 Inquiries: 1-866-794-2137 JANET M LEACH Page 2 of 2 Tt` 11SGtEGCt$ .. Post Trans Ref. Date Date Nbr Description of Transaction Amount 2012 Totals Yearao Date _ . Total Fees Charged in 2012 $181.00CR Total Interest Charged in 2012 $100.07CR 111 Your Annual Percentage Rate(APR)is the annual interest rate on your account. *"APR for current and future transactions. Balance Annua! Expires 8a/anee Subject to Interest Percentage with Interest Balance Type By Type ?merest Rare vatfabfe Charge Rate Statement Free Perloii;; BALANCE TRANSFER $2,333.32 $2,333.32 YES $32.19 13.99% YES -BALANCE TRANSFER $0.00 $0.00 YES $0.00 13.99% NO -PURCHASES $649.64 $649.64 YES $8.96 13.99% YES -ADVANCES $56.09 $56.09 YES $1.32 23.99% NO Irprftnt Mages Each time you or a third party on your behalf,pays your bill by personal check,you authorize us to convert that payment into an electronic debit.If the check is processed electronically,the checking account will be debited for the amount on the check and the debit will appear on your account statement. If you have any questions,please contact us at the Inquiries phone number located on this statement. Vit?tr1E1ti1dt us regarlling ,ut: IC �Iu>r�t 45+6 By Telephone: Send Inquiries to: ® Send Payments to: 0 Online Every Hour!Every Day! Cardmember Service Cardmember Service visit our website: Voice: 1-866-794-2137 P.O.Box 6354 P.O.Box 790408 www.swineford.com TDD: 1-888-352-6455 Fargo,ND 58125-6354 St.Louis,MO 63179-0408 Fax: 1-866-616-1750 End of Statement 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 J11" flouo � . Blatt, Hasenmiller, Leibsker & Moore, LLCM }` + 1835 Market Street, Suite 501AUv 7 pt7 2: Philadelphia, PA 19103 �.�� r TELE: 215-564-1567 FAX: 215-564-3818 �ou NSYLVPORTFOLIO 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. �vr No. JANET M LEACH 4341 CARLISLE PIKE APT C8 CAMP HILL PA 17011 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, LLC Dated: kNtlf By: o Syretta Ma , 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 2824358 PPTXPEAI (05/12/2014) 1111111.11 IN Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY rW. of ciritoett,:, THE PROTHONOTARY 230 -I'S -EP 12 PM 3: 48 CUMBERLAND COUNTY PENNSYLVANIA OFFIOR OF ME OFiERIFF Portfolio Recovery Associates, LLC vs. Janet Mae Leach Case Number 2014-5037 SHERIFF'S RETURN OF SERVICE 09/04/2014 09:14 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: Janet Mae Leach at 4341 Carlisle Pike, Apt. C8, Hampden Township, Camp Hill, PA 17011. CHRIST° HARPE, DEPUTY SHERIFF COST: $44.95 SO ANSWERS, September 08, 2014 (c) CountySuite Sheriff, Teleoseft, loc. RONNY R ANDERSON, SHERIFF