HomeMy WebLinkAbout14-6312 M
Shipreme C,oa f.Pennsylvania
Cou f kom on Pleas
For Prothonotary Use Only: T]ME STAItiP
C, [�b�'CA10 et Docket No:
CUMB - County
The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace thefiling and service ofpleadings or other a ers as required by law or rules of court.
S Commencement of Action:
E ® Complaint ❑ Writ of Summons ❑Petition
C ❑ Transfer from Another Jurisdiction ❑Declaration of Taking
Lead Plaintiffs Name: Lead Defendant's Name:
T j PORTFOLIO RECOVERYASSOCIATES,LLC JULIE CALAMAN GREEN,VESTA V CALAMAN
1
N I Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration knits
I (Check one) outside arbitration limits
A Is this a Class Action Suit? ❑Yes ®No Is this an IIMJAppeal? Oyes ®No
Name of PlaindEAppellant's Attorney.Robert N.Polas,Jr./Carrie Brown/Mark R Garvey/Gregory J.Babcock
❑ 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 ® Debt Collection:Other ❑ Dept.of Transportation
❑ Premises Liability ❑ Statutory Appeal:Other
S ❑ Product Liability(does not include
E mass tort) ❑ Employment Dispute:
❑ Slander/Ltbel/Defamation Discrimination ❑ Zoning Board
C ❑ Other: ❑ Employment Dispute:Other ❑ Other:
T
I ❑ Other:
U MASS TORT
N ❑ Asbestos
❑ Tobacco REAL PROPERTY MISCELLANEOUS
❑ Toxic Tort-DFS
Bi I ❑ Toxic Tort-Implant ❑ Ejectment C] Common Law/Statutory Arbitration
❑ Toxic Waste ❑ Eminent Domain/Condenination El Declaratory Judgment
❑ Other. El Ground Rent ❑ Mandamus
❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations
❑ Mortgage Foreclosure:Residential Restraining Order
❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto
❑ Partition ❑ Replevin
s PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other:
❑ Dental ❑ Other:
❑ Legal
{� ❑ Medical
❑ Other Professionat•
17-08207
Robert 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
p
TELE: 1-866-428-8102 ``; j r ` 'j "
FAX:(757) 518-0860
Attorneys for Plaintiff
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA',
CIVIL ACTION-LAW
PORTFOLIO RECOVERY ASSOCIATES, LLC _ I
120 CORPORATE BLVD t v t
NORFOLK, VA 23502 No.
Plaintiff,
V.
JULIE CALAMAN GREEN
473 SHERWOOD DR
CARLISLE PA 17015
VESTA V CALAMAN
473 SHERWOOD DR
CARLISLE PA 17015
Defendants.
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
Carlisle, PA 17013 C
(717) 249-3166
17-08207 l� a
This communication is from a debt collector and is an attempt to collect a debt.
Anv informntion nhtnined will he in.-zed fnr flint nnrnnca
Robert 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
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.
JULIE CALAMAN GREEN
473 SHERWOOD DR
CARLISLE PA 17015
VESTA V CALAMAN
473 SHERWOOD DR
CARLISLE PA 17015
Demandados.
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 caro puede proceder sin usted y un juzgamiento puede ser entradb 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 TIhNE 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 PROIvEE
RE
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
17-08207
Esta conn icacion es de un cobrador de deudas y es un intent do eobrar una deuda.
Cualauier infromacion sera utilizada vara ese uronosito.
Robert 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
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.
JULIE CALAMAN GREEN
473 SHERWOOD DR
CARLISLE PA 17015
VESTA V CALAMAN
473 SHERWOOD DR
CARLISLE PA 17015
Defendants.
COMPLAINT
1. Plaintiff, Portfolio Recovery Associates, LLC is a Delaware Limited Liability Company with
offices located at 120 Corporate Blvd, Norfolk, VA 23502.
2. Defendants, JULIE CALAMAN GREEN and VESTA V CALAMAN, are adult individuals with
last known address of 473 SHERWOOD DR, CARLISLE PA 17015 and 473 SHERWOOD DR,
CARLISLE PA 17015.
3. It is averred that Defendants were indebted to GE CAPITAL RETAIL BANK/CARE CREDIT
on February 24, 2012 with account number ************0657 (hereafter referred to as
"Account").
4. By using the Account, Defendants 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.
This communication is from a debt collector and is an attempt to collect a debt.
Anv infnrmnlinn nhtainail .,,ill 1,a —-4 r 11-4
5. At all relevant times material hereto, Defendants have used said Account for the purchase of
products, goods and/or for obtaining services.
6. Defendants were 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 Defendants. A copy of the charge off statement is attached hereto and collectively marked as
Exhibit "A."
7. Defendants were 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 8, 2013.
8. Plaintiff is the purchaser, assignee and/or successor in interest GE CAPITAL RETAIL BANK/
CARE CREDIT 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$1,277.38.
10. Despite reasonable and repeated demands for payment. Defendants have 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 Defendants, JULIE CALAMAN GREEN and VESTA V CAL , ' the amount
of$1,277.38, plus costs of this action and any other r 'e the Court deems j t and nable.
Carrie A. Brown, Esquire, #94055
Robert N. Polas, Jr., Esquire, #201259
Mark R. Garvey, Esquire, #312686
Gregory J. Babcock, Esquire, #205061
Attorneys for Plaintiff
17-08207
This communication is from a debt collector and is an attempt to collect a debt.
Anvinformntinn nhininf-A will hn im&d fnr dint nnrnnce
VERIFICATION
The undersigned Custodian of Records for Portfolio Recovery Associates, LLC,
Elaine Freeman-Lark 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: SEP 2014� By:
Elaine Freeman-Lark
Custodian of Records
17-08207
This communication is from a debt collector and is an attempt to collect a debt.
Amu infnrmatinn nlhtninarl will ha rnc,-d fnr that nrnrnnce
i
XHIBIT A
This communication is from a debt collector and is an attempt to collect a debt.
A—, —k+.;—i A iir;ll ha„earl fnr that mirnnea
...................... ....
U0,� GE Capita!
BILL of SALE
PRA PSCC Fresh—Aaril 201.3
For.value received and in further consideration of the mutual covenants and conditions
set forth in the Forward Flow Receivables Purchase Agreement(the"Agreement"),dated
as of the 13th day of December, 2012 by and between General Electric Capital
Corporation, GE Capital Retail Bank, GEMB Lending, Inc., Monogram Credit Services,
L.L.C., RFS Holding, L.L.C., and GEM Holding, L.L.C. (collectively "Seller") and
Portfolio Recovery Associates, LLC C 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 the
Notification Files (as defined in the Agreement), delivered by Seller to Buyer on April
22,2013,and as further described in the Agreement.
GE Capital Retail Bank Monogram Credit Services,L.L.C.
By: . ''� '"l' �.. B
y. .�
Glenn Marino Glenn Marino
Title: EVP Title: LPresident
Date: �� ��- - 13 Date:
General Electric Capital Corporation RFS Holding,L.L.0
By:
Glenn Marino Joseph Ressa
Title: Vice President Title: _CFO
Date: '�7--' ��— Date.•
GEMB Lending, Inc. GEM Holding,L.L.0
By: By:
Stephen Motta Joseph Ressa
Title: _Director Title: CFO
Date: Date;
GE Capita!
BILL of SALE
PRA PSCC Fresh--April 2013
For value received and in further consideration of the mutual covenants and conditions
set forth in the Forward Flow Receivables Purchase Agreement(the "Agreement"), dated
as of the 13a' day of December, 2012 by and between General Electric Capital
Corporation, GE Capital Retail Bank, GEMB Lending, Inc., Monogram Credit Services,
L.L.C., RFS Holding, L.L.C., and GEM Holding, L.L.C. (collectively "Seller") and
Portfolio 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 the
Notification Files (as defined in the Agreement), delivered by Seller to Buyer on April
22,2013, and as further described in the Agreement.
GE Capital Retail Bank Monogram Credit Services,L.L.C.
By: By:
Glenn Marino Glenn Marino
Title:3VP Title: President
Date: Date:
General Electric Capital Corporation RFS Holding, L.L.0
By: By:
Glenn Marino Joseph Ressa
Title: Vice President Title: CFO
Date: Date:
GEMB Lending, Inc. GEM Bolding, L.L.0
By: By:
Stephek;t;t a Joseph Ressa
Title: Director Title:_CFO
Date: Date:
,i GE Capital
BILL of SALE
PRA PSCC Fresh—April 2013
For value received and in further consideration of the mutual covenants and conditions
set forth in the Forward Flow Receivables Purchase Agreement(the"Agreement"), dated
as of the 13th day of December, 2012 by and between General Electric Capital
Corporation, GE Capital Retail Bank, GEMB Lending, Inc., Monogram Credit Services,
L.L.C., RFS Holding, L.L,C., and GEM Holding, L.L.C. (collectively "Seller") and
Portfolio 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 the
Notification Files (as defined in the Agreement), delivered by Seller to Buyer on April
22,2013, and as ftuther described in the Agreement.
GE Capital Retail Bank Monogram Credit Services, L.L.C.
By: By:
Glean Marino Glenn Marino
Title: EVP Title: President
'Date: Date:
General Electric Capital Corporation RFS 1\oldink. L.L.0
By: By: 1.--
Glenn Marino Joseph Ress
Title: Vice President Title: _CFO }
Date:_ Date:
GEMB Lending, Inc. GE ding,L.L.0
By: BY: �•.___. 12
Stephen Motta Joseph Res a
Title:_Director Title: _CFO
Date: Date: .:5
CARECREDIT/GECRB Cardholder Name: JULIE A CALAMANGREEN
Secondary Name: VESTA V CALAMAN
GE Money Account Number: 667
Statement Closing
Summary of Account Activity Payment Information
Previous Balance $1,242.38 New Balance $0.00
+ New Purchases $0.00 Total Minimum Payment Due $424.00
Payments $0.00 Payment Due Date 0312012013
+/- Credits,Fees&Adjustments(net) $1,242.38- PAYMENT DUE BY 6 P.M.EASTERN ON THE DUE DATE.
+/- Interest Charge(net) $0.00 We may convert your payment into an electronic debit. See
New Balance $0,00 reverse side.
Credit Limit $1,000.00
Available Credit - $0.00 Late Payment Warning:If we do not receive your Total
Days in Billing Period 29 Minimum Payment Due by the Payment Due Date listed above,
you may have to pay a late fee up to$35.00.
Pay online for free at:gogecapital.com
For GE Capital Retail Bank customer service or to report
your card lost or stolen,call 1-866-893-7864.
Best times to call are Wednesday-Friday.
Promotional Expiration Notification
YOU MUST PAY EACH PROMOTIONAL BALANCE IN FULL BY ITS EXPIRATION DATE TO AVOID PAYING DEFERRED
INTEREST CHARGES. PLEASE SEE THE PROMOTIONAL PURCHASE SUMMARY SECTION ON THIS STATEMENT
FOR FURTHER DETAILS.YOU HAVE A PROMOTION(S)EXPIRING ON 09/19/13 AND 10/20/13.
Promotional Purchase Summary
Promotional Promotional Deferred Tran Date Description Initial
Expiration Balance Interest Charge Purchase
Date Amount
09119/2013 $340.00 $0.00 02/29/2012 Deferred Interest/No Interest If Paid In $400.00
Full
10/20/2013 $300.00 $0.00 03/23/2012Deferred Interest/No Interest If Paid In $300.00
Full
A summary of your promotional purchase is provided above.Any promotion may be terminated if your account goes 60 days
past due.
If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion:To avoid paying Deferred Interest Charges
on these promotion(s),you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a
Fixed Payment(Extended Payment Plan)promotional purchase,the Interest Charge is billed monthly and included as part of
the Minimum Payment due.
To make more than one payment see Make Payment To address or pay online at gogecapital.com.
Transaction Summary
Tran Data TPost Date Reference Number Description Amount
03/18/2013 03/18/2013 F9072002DO0999990 CHARGE OFF ACCOUNT-PRINCIPALS $771.00 CR
03/18/2013 03/18/2013 F9072002000999990 CHARGE OFF ACCOUNT*FINANCE $506.38 CR
CHARGES'
FEES
03/12/2013 03/12/2013 LATE FEE $35.00
TOTAL FEES FOR THIS PERIOD $35.00
ontinued on next page
`NOTICE: See reverse side and additional pages(if any)for important information concerning your account.
5302 DFH 1 3 17 130318 ZX PAGE 1 of 3 9072 3200 XB38 OlEJ5302
Pay online at gogecapital.com or enclose this coupon with your check.Please use blue or black ink. —I
Total Minimum Past Due Payment New Account Number .
Payment Due Amount Due Date Balance
$424.00 1 $0.00 03/20/2013 $0.00 0657
Payment Enclosed: $ ❑E❑❑ ❑. ❑❑
New address or e-mail? Payment due includes$0.00 past due.Please pay the past due amount PROMPTLY.
❑Check the box at left and If you only pay the Total Minimum Due it may not payoff the Promotional Purchase by the Expiration Date+
print changes on back
JULIE A CALAMANGREEN
VESTA V CALAMAN
Make Payment to: GE CAPITAL RETAIL BANK
473 SHERWOOD DR
BOX
CARLISLE PA 1701OR
5-7200
ORLANDOO,,FL 32896-0061
Customer StfvicWQuestions:For account information,please call the td/free number on the front of this statement.Unless your
name is fisted on this statement,your access to information on the account may be limited.You may also mall questions(hut not
payments)to.,P.Q Box 981127,BPaso,7X79998.1127.Pleaseinclude youraecount numberon any eonespaxfence yousend tour.
Payments:Send payments to the address fated on the remittance coupon portion of this statement or pay online at
www.gemoney.com.
Overnight Payments payments cannot be made in person,mailpayments to.,GEMoney Bank 140 Wekha Wngslmad,Longwood
FL32779
Notice:52ebelow foryouri7Gng 13ghts andotherhnportant fnfamation.Telephonirhgabout biffing ermmwffl notpresemyonrfghts
underfederellaw.Topreserve yourrfghts pkasewrftetocurOWngloquirfesAddress,PCLBox981438,BFhsq 7X799984438.
Purchases.returnsandpaymentsmade)ustprfortobWingdate may notappear"rw-tmonth'sstatement.Wereservetherightto
obtain payment eledronfcaly for arty check or other instrument that you send to us by initiating an ACH(electronic)debit in the
amount of your check or instrument to your account.Your checkainstrumen t will not be returned to you by us or your bank)for
bank account maybe debited as earty as the same day we receive your payment.You may chose not to have your payment
collected electronically by sending your payment(With the remittance coupon),in your own envelope–not the enclosed
remittance envelope,addressed to.,POBox530960,Atlanta,GA 30353.0960 andnot thepayment address
What To Do if You Think You Find A Mistake On Your Statement:ff you think there is an error on your statement,write to us at:GE
Money Bank,PQ Box 981438,H Paso,7X79998.1438.in your lettergive us the following information:.Account Iformatlam Yfxn
name andaccount number.Dogaranxwd.,7hedollaramoutd of the su.Tectederrw.Desafptfonof pm&em:lf you thfnkthere lsan
erwon yourbfll,desafbe what you believe 1swrongand why you believe His a mistake.You must contact us within 60 daysafterthe
error appeared on your statement.lou must notify us of any potential errors Ind.You may call u;but ff you ab we are not
required to investigate any potential errors and you may have to pay the amount in question.N9hffe we investigate whether or not
there hasbeen an eror,the following are true: We cannot try to tolled the amount in question orrepoft you as defrnquent on that
amount..The charge In question may remain on yourstatement and we may continue to charge you Interest on that amount.But,If
we determine that we made a mistake,you wig 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 yon balance..We can
applyanyunpaldamomt aga irat youraedrt rrmft.
Your Rights If You Are Dissatisfied With Your Credit CarciPurchases If youare dissatisfied with the goods orservk�es that you have
purchased with yoncredrt caro,andyouhave trledingoodlagh tooarect theproblem wkhthemerchant,you mayhave the right not
to pay the nerrrain/ng amount due on the purchase.To use,
a0ot the folbwing must be true:l)Thepurchase must have been
made In your
state or within 100 mites of yaurcrment malrng addres;and the
-price must have been more than$50.
(Note:Neither of these are necessary ffyon purchase wasbased on an advert/sement we malted to you,or ff we own the company
that sold you the goods orservfces)2))ou must have used your aedrt cent for the purchase.Purchases made oleo cash advances
from anA7Morwftha check that acoessesyouraedrt card account do notquarry.3))oumusinotyetlhave fttgypaid fortfepurchase.
flag of the crkerfa above are met and you are stgldhssatfsfied with theprrmhase,cental us fn wrhing at:PQ Box981438 8 Fbsq 7X
79998.1438.White weirry 1gate,the sameruksapp/ytothelisputedamountasdacussedabove.AfterwefrnfshourfrwesUgatkx,
we wlgteffyououndecslon.At that point,ffwethlnkyauowean amoumtand youdo not pay wemay report youasdeGnquent.
Information About Payments.You may pay more than the TotalMinimum Payment at anytime Payments received aRer5A0 PM
(E7)on any day wNbe credfledasofthe next day.Oedrtto youraceorntmaybedeleyedupto fivedaysffpayment(a)Isrht receivedat
thepaymemaddress,(b)isnotmade in US dollars drawn ona U.S finandal irutitufionlocatedin the U.S,(c)isnotaecompanledby the
remittance coupon attached toyourstatement,(d)contains more than aloe payment or remittance coupon,(e)isnot received in the
remittance envelope providedor M Includes staple;paper dip;tape,a folded check or correspondence of airy type.Otinditional
fymw Ali written communications concerning disputed amounts,Including any check or other payment Instrument that:0)
Indicates that the payment censtltutes'{oayment in full"oris tenderedasfuffsatisfaction of a disputed amount,or ii is tenderedwfth
otherconddiamorrimltations(DiWidedPhyments'l must bemailedordernwW to usat P.Q Box981438,BPaso,7X79998.1438.
Cruets to Your Account:An amount shown with a di next to the amount is a credit or credit balance unless otherwise Indicated.
Oeditswill beapp fredtoyourpreOxisbalancebnmediateyupon reeelpt,but will not so tisfy a ny requit edpaymen I that maybe due
Telephone Monitoring:for quality control purpose;you permit us to listen to or record telephone cats between you and us
Credit lbpotsandAccount Information:ffyoubelieve that we may have neportedfnaeeurate lnformation about youtoa consumer-
reporting agency,please contact usat PQ Box 981439,SPason 7X79998-1439.In doing so,please identify the Inaccurate information
and telluswhyyoube&w it Whoonect.ffyou have a copy ofthe credit report that Includes the Inaccurate Information,pfeasefthide
a copy of that report.We may report information about youraccount to credit bureaus.Late payment;missed payment;or other
defau@son youracoountmayberelferted In yourcmdrt report.
Variable lbte Information:ffany d yourAPft are varfable,that AI Rwiff vary with the market based on the Prime We.
How Long Will•tfePenalty)bteApply?ffyourAPltarefnaeasedbecauseyoumade alatepayment,the R-naltyAPRwlgappyuMg
youmakesfxoonsmdiveminfmum paymeMswhendue.
How We Calculate Interest:We use method nal ed'daHy balance".During billing cyclesin which interest Ischanged for each balance
type on your account we figure the interest charge on your account by applying the periodic rate to the'daily balance"of your
account for each day In the Wring cycle.A separate dally balanoe will be cakxulated for the fo/lowing balance types,as a pplkable:
purchases balance trenulers cash advances and other balances that are sub)ed to diltereM inter
est rete;p/anor spedal
promotkorhs Fust'we
deternlne the`ffalybalance':Todetermfne the dar7ybalance,we take the beglnningbalarhce each day,addanry
new charges and feesposted that day,arxl subtract any payments and credits posted that day. his gives us the dally balance.
Second Weplacatetheamounteinterestcharged To dothi;wemufflpytheapplicabledaft'ratebyeachdallybalanceonyour
accourrt.Third,we add thelnteres!amoumt tothe da/ybalance,andthe sum wlgtecane the begfnnfng balance forthe following day.
)fourinterest charge lathe br7rrngcyde fsthesum oftfrelnterestamountsthat were dnargedearh day during the bgGngcycle faeach
batancetypeWechangeaminimuma offrrterestfnanybgGW cleInwhichyouoweInterest.
Payinglnterest:Yourduedatefsatleast23daysaftertheclose ofeachbggngcycle.Wewlllnotchargeyouanyhrterestonpurchases
Ifyoupay yourenti ebalanee by the due dateeach month.We wglbegin charginginterest on cash advancesandbalance transfers,If
applicable,on the transaction da te.
Bankruptcy Notice:ff you file bankruptcy you must send us notice,Including account number and all Information related to the
proceedfngto thefogowhVaddress:GEMaey&nk Attn:Bankruptcy Dept,P.O.Box103106,Rxiwe/4 6430076.
Your account Is ownedandservloedbyGEMoeyBank. fwcomplete terms and conditions ofyouraccount,caaulyour Credit
CardAgreement.
Hearing lmpaired.•7DDuserscaft 1-877-448-8512
orEao2.8-0612VIO
Use oflnformation About You and Your Account:OLff Alvacy FWkY describes our collection and dadosne of information about you
and your Account.IF you would rice another copy of the Privacy l bAW,please call us at the customer service telephone number
hxflcatedonthe front ofthisstatement.
This is an attempt to colied a debt and any information obtained wig be used for that purpose.
By providing a telephone number onmy account,I consent to GE Money Bank and arty other ismer or servicer of my account
cartadingmeaboutmyaeeount,indu ingusinganycadadinformationorcegphonenumberstprovide,andlconsent tothe use oI
MY automatic telephone dialing system androran artfficlaf orrenecorded voice when contacting me,even SI am dnarged fortfe call
undermy phone plan.
for changes of address,phone number andior emaQ please check the box and pint the charges below or visit us on-fine at
wwweemmey cont.
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Cardholder Name: JULIE A CALAMANGREEN Account Number: 657
SecondaryName: VESTA V CALAMAN Statement Closing ate: 3
Transaction Summary(Continued)
Tran Date Post Date Reference Number Description Amount
INTEREST CHARGED
03/18/2013 03/18/2013 INTEREST CHARGE ON PURCHASES $0.00
TOTAL INTEREST FOR THIS PERIOD $0.00
2013 Totals Year-to-Date
Total Fees Charged in 2013 $105.00
Total Interest Charged in 2013 $23.81
Total Interest Paid in 2013 $0.00
Interest Charge Calculation
Expiration Date Annual Balance Subject to Interest Charge
Type of Balance Percentage Interest Rate
Rate(APR)
Purchases NA 26.99% $0.00 $0.00
Deferred Interest/No Interest If Paid In Full 09/19/2013 26.99% $0.00 $0.00
Deferred Interest/No Interest If Paid In Full 1 10/20/2013 26.99% 1 $0.00 $0.00
Cardholder News&Information
Please Note: Enclosed is the Privacy Policy for this account. Please take a moment to read it,then keep it with other financial
documents. If you have previously opted-out,you do not need to do so again.
In order to protect your account privacy,we are unable to provide account information to anyone other than the cardholder(s)or
an authorized party.If you wish to permit us to speak to an authorized party such as a spouse about your account,please send
written authorization to the General Inquiries address.
a
� � � r
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
i9F : ti F TkE VHEF,IFF
)1 THE PROTHDNO i"�`,k :
2614 NOV 17 PM 3:05
CUMBERLAND COUNTY'
PENNSYLVANIA
Portfolio Recovery Associates, LLC
vs.
Julie Calaman Green (et al.)
Case Number
2014-6312
SHERIFF'S RETURN OF SERVICE
11/05/2014 08:48 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: Julie Calaman Green at 473 Sherwood Drive, Middlesex Township, Carlisle, PA 17015.
F?ISTOPF%I4 SHARPE, DEPUTY
11/05/2014 08:48 PM - Deputy Christopher Sharpe, being duly sworn according to law, served the requested
Complaint & Notice by handing a true copy to a person representing themselves to be Julie Calaman
Green, Daughter, who accepted as "Adult Person in Charge" for Vesta V Calaman at 473 Sherwood
Drive, Middlesex Township, Carlisle, PA 17015.
RISTOP
SHERIFF COST: $50.78 SO ANSWERS,
SHARPE, DEPUTY
November 06, 2014 RONNR ANDERSON, SHERIFF
(c) CountySuiie Sheriff, Teleosott, Inc.