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Home My WebLink About14-5255 Supreme CoPennsylvania Cour of Coll" n Pleas t Fvr Prothonota se CI�4�over,Sheet CUNVIBE'RLA -County The information collected on this form is used solelyfor court administration purposes. This form does not supplement or replace thefiling and service of leadin s or other papers as required bylaw or rules of court. } Commencement of Action: ®Complaint ❑ Writ of Summons ❑Petition E" ❑ Transfer from Another Jurisdiction ❑Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: PORTFOLIO RECOVERY ASSOCIATES,LLC ROSEANNA BOWERS 0 Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits (Check one) outside arbitration limits Is this a Class Action Suit? ❑ Yes ® No Is this an MDJAppeal? ❑ Yes ®No Name of Plaintiff/Appellant's Attorney:Robert N.Polas,Jr./Carrie Brown/Mark R.Garvey L:....::u _..,....._ ❑ Check here if you have no attorney(are a Self-Represented[Pro Sel litigant) t\ 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 ® Debt Collection:Other ❑ Dept.of Transportation S ❑ Premises Liability C1Statutory Appeal:Other ❑ Product Liability(does not x El Employment Dispute: include mass tort) Discrimination ❑ Zoning Board � ❑ Slander/Libel/Defamation ❑ Employment Dispute:Other E] Other: ❑ Other: MASS El Other: ❑ Asbestos ❑ Tobacco REAL PRO PERTY MISCELLANEOUS y ❑ Toxic Tort-DES ❑ Ejectment ❑ Common Law/Statutory Arbitration I kgB ❑ Toxic Tort-Implant�,. El Eminent Domain/Condemnation El Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus 2`` °' ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure:Residential Restraining Order \\ ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto PROFES SIONAL LIABILITY ❑ Partition ❑ Replevin x F-1 Dental E] Quiet Title E] Other: ❑ Legal E] Other: ❑ M edical . b F ❑ Other Professional: 16-41648 Robert N. Polas, Jr., Esquire PA Bar#201259 Carrie Brown, Esquire PA Bar#94055 Mark R. Garvey, Esquire PA Bar#312686 T,h_��` -G�� r Portfolio Recovery Associates, LLC 120 Corporate Blvd 'Ep _ Norfolk, VA 23502 9 AM 1': 33 TELE: 1-866-428-8102 I ERL A NJ) FAX: (757) 518-0860 PEtjNS Y( Vq 0,IJtT Y Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,PA CIVIL ACTION-LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD < 6"ll NORFOLK, VA 23502 No. , J �� Plaintiff, V. ROSEANNA BOWERS 235 WYOMING AVE ENOLA PA 17025 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 S Carlisle, PA 17013 (717) 249-3166 /a, M 16-41648 (JlJ'w / C k14 G This comain ication 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. ROSEANNA BOWERS 235 WYOMING AVE ENOLA PA 17025 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 acc ion 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 16-41648 Esta cornuriicaciOn es de un cobrado:r de deudas y es un intent do cobrar una deuda. C'ualquier infrorri cion sera uti11711da para ese proposito. Robeft 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 TBE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION- LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff, No. V. ROSEANNA BOWERS 235 WYOMING AVE 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, ROSEANNA BOWERS, is an adult individual with last known address of 235 WYOMING AVE, ENOLA PA 17025. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK/WAL-MART on February 26, 2006 with account number ************2739 (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 communication is from a debt collector anti :is an attenipt to collect a cleft. Any inforimtio.ri obtair.ied will.be used f6r 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 April 6, 2013. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE CAPITAL RETAIL BANK/ WAL-MART 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$2,470.01. 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, ROSEANNA BOae7— Robert .0 plus sts of this action and any other relief as the Court deems ju , , 94055 Robert N. Polas, Jr., Esquire, #201259 Mark R Garvey, Esquire, #312686 Attorneys for Plaintiff 16-41648 This conimmumation is from a debt collector and is ail attempt to collect a debt. Any in.f6rniatioii obtained will.be used :tier that purpose. VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Meryl Dreano 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: AUG 112014 By Meryl Drean® Custodian of Records 16-41648 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. XHIBI A This conn mnication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. t r a E �"ital Gap a BYLL afSALE, . P RA PLCC Fresh: December 2013 For valve received and in further consideration of the.ant:tual covenants and conditions set.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 Co ag rporatiori,GE Cagital:Retatl Bank, GEMB Lending,Inc:;Monogram Credit Services;L.L.C.;RFS Holding,LLG.,.and GEM Holding,LI.C:(collectively"Seller")and Portfolio: Recovery Associates,LLC{"Buyer"),Seller hereby transfers,sells,conveys_,E s,and delivers to Buyer;its. successors and assigns,without recourse except as:set Earth in the Agreement;to the.extent of its ownership,the Receivables:as set forth.in.the Notification Files(as defined in.the Agreement),delivered by:Seller to Buyer on December 19, 2013,and:as f�urther:described in the.Agreement. GE Capital Retail Bank. Monogram,Credit Services,L.L.C. r. By: BY• Ken Wojcik Attorney in.PaWKcinWcjcik Title:_EVP:Colleetions 8c Recovery Dater . Date. L Q G .(t-{ . g;L.L.0 RFS HoTdin General Electric Capital Corporation By: 1Gtc-t,. Attorney in Fac en Wojcik AttorneY n'Fa Ken Wojcik Date:. 01 0G. Date: OV t7{� . t►{ . GEM,.Holding;L.L.0 ... GEMB Unding;Inc. By: p 4 r `. Attorneyin.Fa Keri Wojcik Attorney.in. Toct en Wojcik. Date: O .0 Date:: &L: 0 C, _I LI . . .......................... Portfolio:Recovery Associates,LLC . By. Title: �� .Y,� Walmart 4:0'0, Save money,Live better. Walmart® ROSEANNA M BOWERS Credit Card Visit us at e:1-80-641-credit Account Number: �2739 Customer Service:1-800-641-0526 Summary of Account Activity Payment Information Previous Balance $2,470.01New Balance -Other Credits $0.00 $2,470.01 Amount Past Due $0.00 New Balance $0.00 Total Minimum Payment Due Payment Due ate $612.00 D Credit limit 11!20/2013 $1,980 Available Credit Late Payment Warnin9:If we do not receive Your minimum Cash Advance/Quick Cash Limit payment by the date listed above,you may have to pay a late Available Cash $22 fee up to$35.00. $0.00 Statement Closing Date 11/18/2013 Days in Billing Cycle 28 [Tran ansaction Summary Date Post Date Reference Number Description of Transaction or Credit Plan Type Amount 18 11/18 F911200A200999990 CHARGE OFFACCOUNT-PRINCIPALS ($1,873.87) 8 11/18 F911200A200999990 CHARGE OFF ACCOUNT*FINANCE ($596.04) CHARGES' FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 11/18 11/18 INTEREST CHARGE ON PURCHASES 11/18 11/18 $0.00 INTEREST CHARGE ON CASH $0.00 ADVANCES TOTAL INTEREST FOR THIS PERIOD $0.00 2013 Totals Year-To-Date Total Fees charged in 2013 $424.10 Total Interest charged in 2013 $369.94 Total Interest Paid in 2013 $63.22 Interest Charge Calculation Your Annual Percentage Rate(APR)s the annual interest rate on your account. Type of Balance Expiration Plan Annual Percentage Balance Subject to Interest Charge Regular Purchases&Cash Date Type Rate Interest Rate NA REG 22.90% $0.00 $0.00 Advances Cardholder News and Information Statement not provided to customer. If your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance,please call Customer Service to discuss options that may be available. Important Information about the 5¢off per gallon gas discount available with the use of a consumer Walmart®Credit Card or Walmart(D Discover®card at participating Walmart®gas stations:For purchases made in Alabama and Florida,the 50 discount will appear as a credit on your next statement. PAYMENT DUE BY 5 P.M.(ET)ON THE DUE DATE NOTICE:We may convert your payment into an electronic debit.See reverse for details,Billing Rights and other important information. 5404 BEH 1 3 18 131118 Z x PAGE 1 of 1 9112 3100 0201 OIDD5404 Detach and mail this portion with your check.Do not include any correspondence with your check. —I Walmart ay' ec Account Numbe 2739 Total Minimum Amount Payment Due Overlince Save money.rive better. Payment Due Past Due Date Amount $612.00 $0.00 11/20/2013 $0.00 $0.00 Please Payment Enclosed: 1111111111 ❑11IOIIIII�IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII��IIIIIIIIIIIIIIIIIIIII�IIIII III use blue or black ink. New address or email?Print changes on back. II ROSEANNA M BOWERS 235 WYOMING AVE ENOLA PA 17025-2433 Make Payment To:WALMART/GECRB P.O.BOX 530927 ATLANTA,GA 30353-0927 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY ~��m�*/ j -C THE' ^L-�UT/� �^-NO1�� / '- A.;'. �" �]\�-\ FM 2: �O ^ . OCT O7T CUMBERLAND[DUNTY ' PENNSYLVANIA ` �.`- Portfolio Recovery Associates, LLC vs. Roseanna Marie Bowers Case Number 2014-5255 SHERIFFS RETURN OF SERVICE 08/26/2014 Ronny R Anderson, Sheriff, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Roseanna Marie Bower , but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint & Notice as "Not Found" at 235 Wyoming Avunue, East Pennsbono, Eno/o, PA 17025. Deputies were advised by the defendant's husband that she moved out approximately one month ago. Per the Enola Postmaster the defendant now rents PD Box 604, Eno/a, PA 17025. the Post Office stated that the physical address associated with that P0 Box is the address that was provided for service. SHERIFF COST: $51.08 SO ANSWERS, September 26, 2014 RONNYRANDERSON, SHERIFF �. e . Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Gregory J. Babcock, Esquire Attorney ID # 94055/201259/312686/205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 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 v. ROSEANNA BOWERS 235 WYOMING AVE ENOLA PA 17025 No. 14-5255CIV1L Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above -entitled case as discontinued without prejudice. tfully Submitted, 16-41648 ert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Gregory J. Babcock, Esquire PA Bar # 205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 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. "Iheaffie A. Brown, Esquire Robert N. Polas Jr, Esquire Mark R. Garvey, Esquire Gregory J. Babcock, Esquire Attorney ID # 94055/201259/312686/205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 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 v. ROSEANNA BOWERS 235 WYOMING AVE ENOLA PA 17025 Defendant : No. 14-5255CIVIL CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue NA BOWERS, by First Class Mail, Postage Pre -Paid, a copy thereof on this7 day , 2014, to: ROSEANNA BOWERS, 235 WYOM1VE, ENOLA PA 17 16-41648 Obert N. Polas, Jr., Esquire PA Bar # 201259 Carrie Brown, Esquire PA Bar # 94055 Mark R. Garvey, Esquire PA Bar # 312686 Gregory J. Babcock, Esquire PA Bar # 205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX: (757) 518-0860 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.