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Home My WebLink About14-5039 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 filing and service eLpleadings or other i2apers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking SLead Plaintiff's Name: Lead Defendant's Name: CRAIG CYPHERS C PORTFOLIO RECOVERY ASSOCIATES LLC T Dollar Amount Requested: ® within arbitration limits I Are money damages requested? ® Yes ❑No (Check one) ❑ outside arbitration limits 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/Greta 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 Ido not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution '192)ebt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other ❑ Product Liability (does not include E ❑Employment Dispute: mass tort/ C ❑ Slander/Libel[Defamation Discrimination T ❑ Other: ❑Employment Dispute: Other ❑ Zoning Board I ❑ Other: 0 N ❑ Other: 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 2932493 PPTXCPRI(05/06/2014) 11111111111111 IN 11111111111111111111111111111111111111111111111111111�� Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff, 1835 Market Street, Suite 501 PORTFOLIO RECOVERY ASSOCIATES LLC Philadelphia, PA 19103 800-850-1079 �r 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 ''�`�c', r `f Plaintiff, CIVIL ACTION ' VS. Sb 3� V No. � CRAIG CYPHERS 31 GREENMONT DR ENOLA PA 17025 Defendant. NOTICE TO DEFEND 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 � tS.7S d aH � t l 2932493 PPTNPRAI (04/24/2014) IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII 033 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 dial 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 O SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA O 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 05-23-10 with account number XXXXXXXXXXXX2115 (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. 2932493 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 04-09-2013. 8. Plaintiff is the purchaser, assignee and/or successor in interest of GE CAPITAL RETAIL BANK/AMAZON 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 $1050.51. 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 $1050.51, plus costs of this action and any other relief as the Court deems just and reasonable. Respectful Sub 9tted, 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 #: 2932493 VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Cynthia Clarke 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 6 By: G='4 0-4 Cynthia Clarke Custodian of Records BHLM REF #: 2932493 PPTXPVRI (05/27/2014) Exhibit " A " 2932493 PPTXEXAI ( 04/17/2014 ) ama zon com Yolur Amazon.com S#are Card offers these exclusive cardmember benefi#s1 *:Special'financing.offers(visit www.amazon.com/financing for more information) •No annual fee ; •:24-hour toll-free customer.service •Online:account management at:wWW gemoney.com/amaion � o You can take advantage of special financing offers throughout the year with your Store Card Know . You:can use:the Store Card for your.everyday Amazon.com purchases. :. ;:: Subject to:your available credit: CRAIG CYPHERS Visit us at www.amazon.com/storecard Account Number 2115 Customer Service: 1-866-771-1104 Summary of Account Activity Payment Information Previous Balance $1,126.27 Now Balance $0.00 -Payments $63.00 Amount Past Due $0.00 -Other Credits $1,126.27 Total Minimum Payment Due $412.00 +Purchases/Debits $63.00 Payment Due Date 12/05/2012 New Balance $0.00 Late Payment Waming:lf we do not receive your minimum payment by the date listed above,you may have to pay a late Credit Limit $900.00 fee up to$35.00. Available Credit $0.00 Statement Closing Date 12/03/2012 Days in Billing Cycle 28 Transaction Summary Tran Date Post Date Reference Number Description of Transaction or Credit Amount PAYMENTS AND CREDITS 11128 11128 P934200NXOOXS6HOY ONLINE PYMT-THANK YOU ATLANTA GA ($63.00) TOTAL PAYMENTS AND CREDITS ($63.00) OTHER CHARGES 11/28 11/28 F93420OP200005001 ADJUSTMENT-PAYMENTS $63.00 12/03 12/03 F93420OP200999990 CHARGE OFF ACCOUNT-PRINCIPALS ($739.92) 12/03 12103 F93420OP200999990 CHARGE OFF ACCOUNT*FINANCE CHARGES' ($386.35) TOTAL OTHER CHARGES ($1,083.27) FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 12103 12/03 INTEREST CHARGE ON PURCHASES - $0.00 (Continued on next page) 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 X2G 1 3 5 121203 Z X PAGE 1 of 3 9342 1000 APS2 01LA5484 —I n rv►Detach and mail this portion with your check.Do not include any correspondence with your check. 2115 amazon.eom• Account Number Balance.•7 Total Minimum Amount Payment Due Overlimit New Balance Payment Due Past Due Date Amount $412.00 $0.00 12/05/2012 1 $0.00 1 $0.00 Payment Enclosed: $ ❑D❑❑ ❑ . ❑❑ Please use blue or black ink. Save a stamp,pay on-line at www.amazon.com/storecard New address or email?Print Changes on back. CRAIG CYPHERS 31 GREENMONT DR ENOLA PA 17025-2644 Make Payment to: GECRB/AMAZON PO BOX 960013 ORLANDO,FL 32896-0013 Amazon.com Sign up today for a safe and easy way to view your Amazon Credit Card statement. pew--vkstatements provide all the same information—; without paper.Enjoy the convenience: aOR •View your statement from wherever you are,any time of day •No more paper bills to organize or shred •Make your payment electronically to save time and money s; << Go to gemoney.com/amazon for more information. Transaction Summary(Continued) Tran Date Post Date Reference Number Description of Transaction or Credit Amount TOTAL INTEREST FOR THIS PERIOD $0.00 2012 Totals Year-to-Date Total Fees Charged in 2012 $245.00 Total Interest Charged in 2012 $227.53 Total Interest Paid in 2012 $70.97 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 25.99%(v) $0.00 $0.00 (v)=Variable Rate Cardholder News and Information You have recently been unenrolled from electronic statement delivery.You may have opted to stop receiving electronic statements,or this may have occurred because of changes in your account or failure to comply with the Terms and Conditions of the electronic statement service.Please feel free to reenroll at any time. We understand the impart 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. 5494 X2G 1 3 5 121203 Z X PAGE 2 of 3 9342 1000 APS2 OILA5484 5494 X2G 1 3 5 121203 Z X PAGE 3 of 3 9342 1000 APS2 OILA5484 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 2014 AUG 2 3 Philadelphia, PA 19103 �g 21 TELE: 215-564-1567 FAX: 215-564-3818 ,-" CUMBERL Q;DI PENNs YL'dA i`�r� T 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 CRAIG CYPHERS vs. No. 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, LLC Dated: r By. Syre t in, 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 t 1835 Market Street, Suite 501 Philadelphia, PA 19103 TELE: 215-564-1567 FAX: 215-564-3818 Attorneys For Plaintiff 2932493 PPTXPEAI (05/12/2014) 11111111111111 IN 11111111111111111111111111111111111111111111111111111 IN Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY Cti o‘' OF F :GC OF THE .,-NERIFP PRoThy.),,,io SEP 23 of 0: 00 ctillsErilAND CY PENNSYLOUNT 'VANIA Portfolio Recovery Associates, LLC vs. Craig Cyphers Case Number 2014-5039 SHERIFF'S RETURN OF SERVICE 09/11/2014 07:03 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. SHERIFF COST: $44.95 SO ANSWERS, September 16, 2014 (c,:r CountySuif.e Sheriff, Teleosoft, Inc. RONNY R ANDERSON, SHERIFF