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HomeMy WebLinkAbout14-6317 Supreme Court-of.Pennsylvania Courtiof Common Pleas .,,g3�\, For Prothonota y s ©n TIME STAMP CiiloverSlteet Docket No: l CUMBE-- County The information collected on this form is used solely for court administration putposes. This form does not supplement or replace thefiling and service ofpleadings or other a ets as required by law or rules of court. S CornmencementofAction: E ® Con-plaint ❑ Writ of Summons ❑Petition C ❑ Transfer from Another Jurisdiction ❑Declaration of Taking Lead Plaintiffs Name: Lead Defendant's Name: T PORTFOLIO RECOVERY ASSOCIATES,LLC TODD CRUMLICH O ! Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits N (Check one) outside arbitration limits A Is this a Class Action Suit? ❑Yes ®No Is this an MDJAppeal? ❑Yes ®No Name of PlaintifflAppellant's Attorney:Robert N.Polas,Jr./Carrie Brown/Mark R Garvey ❑ Check here if you have no attorney(are a Self-Represented[Pro Sel 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 0 Debt Collection:Other ❑ Dept.of Transportation ❑ Premises Liability ❑ Statutory Appeal:Other S ❑ Product Liability(does not include E mass tort) ❑ Employment Dispute: ❑ Slander/Libel/Defamation Discrimination ❑ Zoning Board C ❑ Other: ❑ Employment Dispute:Other ❑ Other: TI I ❑ Other: U MASS TORT N ❑ Asbestos ❑ Tobacco REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort-DES E3 Ejectment ❑ Common Law/Statutory Arbitration B ❑ Toxic Tort-Implant ❑ Toxic Waste ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment E] Other: ❑ Ground Rent E] Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure:Residential Restraining Order ❑ Mortgage Foreclosure:Cornnercial ❑ Quo Wananto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: f 5., 17-07222 Robert N. Polas, Jr., Esquire PA Bar#201259 Carrie Brown, Esquire PA Bar#94055 Mark R. Garvey, Esquire PA Bar# 312686 L �f.~p<< ; ' �� E Portfolio Recovery Associates, LLC �`10 T 120 Corporate Blvd 30 j{. Norfolk, VA 23502 c i 7 TELE: 1-866-428-8102 :,j',1 +�;U C;p� iTV FAX:(757) 518-0860 �' "' QVAY !%'IA Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION-LAW PORTFOLIO RECOVERY ASSOCIATES, LLC .- 120 CORPORATE BLVD (!till NORFOLK, VA 23502 No. Plaintiff, V. TODD CRUMLICH 159 REGENCY WOODS N CARLISLE PA 17015 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 Carlisle, PA 17013 (717) 249-3166 �pd 17-07222 9- 3n ^ This communication is from a debt collector and is an attempt to collect a deb U U J Any information obtained will be used for that Duraose. 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. TODD CRUMLICH 159 REGENCY WOODS N CARLISLE PA 17015 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 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 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 (71.7) 249-3166 17-07222 Esta comunicacion es do un cobrador de deudas y es un intent do cobrar una deuda. Cual.quier infronlacion 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. TODD CRUMLICH 159 REGENCY WOODS N CARLISLE PA 17015 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, TODD CRUMLICH, is an adult individual with last known address of 159 REGENCY WOODS N, CARLISLE PA 17015. 3. It is averred that Defendant was indebted to GE CAPITAL RETAIL BANK/FORD on January 31, 2008 with account number************4692 (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 comnun.ication is from a debt collector and is an attempt to collect a debt. Any inibrmation.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 August 25, 2012. 8. Plaintiff is the purchaser, assignee and/or successor in interest GE CAPITAL RETAIL BANK/ FORD 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$1,872.28. 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, TODD CRUMLICH , in the amo of$1,872.28, plus is of his action and any other relief as the Court deems just and r son Carrie A. Brown, Esquire, # 94055 Robert N. Polas, Jr., Esquire, #201259 Mark R. Garvey, Esquire, # 312686 Attorneys for Plaintiff 17-07222 This communication is frorn a debt collector and is an attempt to collect a debt. Any inf:or.mation obtained will be used for tliat purpose. 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. i Date: SEP 3 0 2014 By: �cJ Elaine Freeman-Lark Custodian of Records 17-07222 This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. a XHIBIT A 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. ... ... ....... .... ..... ..... ........... . ... .... U6 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 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 further described in the Agreement. GE Capital Retail Bank Monogram Credit Services,L.L.C. By: B y: Glenn Marino Glenn Marino Title: EVP Title: President Date: Date: ­1:1. General Electric Capital Corporation RFS Holding,L.L.0 By. �.a �-C-� � _... By: Glenn Marino Joseph Ressa Title:_Vice President Title: _CFO Date: '�. - �� Date: GEMB Lending,Inc. GEM Holding,L.L.0 By: By: Stephen Motta 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 13'' 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 fiirther described in the Agreement. GE Capital Retail Bank Monogram Credit Services,L.L.C. By: By: Glenn Marino Glenn Marino Title:_EVP Title: President Date: Date: General Electric Capital Corporation RFS Holding., L.L.0 By. By: Glean Marino Joseph Ressa Title:_Vice President Title: CFO Date: Date: GEMB Lending, Inc. GEM Holding, L.L.0 By ��, `;` . By: Stephen'1 tta '' Joseph Ressa Title; Director Title: CFU Date: Date:��^ (�j "' Date; / 1 GE Capital BILL of SALE PRA PSCC Fresh—Anrfl 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 1P 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: ,EVP Title: President Date: Date: General Electric Capital Corporation RFS Ciol �,L.L.0 Glenn Marino Joseph Ress Title: Vice President Title:_CFO Date: Date: GEMB Lending, Inc. GE ding, L.L.0 By: By: `�..-- 0 Stephen Motta Joseph Res a Title: Director Title: CFO Date: Date: 1'j FORD/GECRB Cardholder Name: TODD A CRUMLICH ` GE Money Account Number:—4692 Statement Closing Date: 03/27/2013 rPayments of Account Activity Pa ment Information nce $1,837.28 New Balance hases $0.00 $0.00 Total Minimum Payment Due $733.00 s $0.00 Payment Due Date ees a Adjustments net 03f2912013 / ( ) $1,837.28- PAYMENT DUE BY 6 P.M.EASTERN ON THE DUE DATE. harge(net) $0.00 We may convert your payment into an electronic debit. See New Balance $0.00 reverse side. Credit Limit $3,500.00 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 1-866396-8264. Best times to call are Wednesday-Friday. ransaction Summary Tran Data Post Date Reference Number Descdption Amount 03/27/2013 03/27/2013 F9072002NO0999990 CHARGE OFF ACCOUNT-PRINCIPALS 03/27/2013 03/27/2013 F9072002NO0999990 CHARGE OFF ACCOUNT*FINANCE $118.97 CR CHARGES' $1.753.31 CR FEES 03/21/2013 0321/2013 LATE FEE $35.00 TOTAL FEES FOR THIS PERIOD $36.00 INTEREST CHARGED 0327/2013 03/27/2013 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2013 Totals Yeardo-Date Total Fees Charged in 2013 $105.00 Total Interest Charged in 2013 $86.17 Total Interest Paid in 2013 $0.00 Interest Charge Calculation Type of Balance Expiration Date Annual Balance Subject to Interest Charge Percentage Interest Rate Rate(APR) Purchases NA 29.99%(v $0.00 (v)=Variable rate Cardholder News&Information Please Note: Enclosed is the Privacy Policy for this account. Please take a moment to read it.then keep it with otheffinancial�] documents. If you have.previously opted—out,you do not need to do so a ain. NOTICE: See reverse side and additional pages(if any)for important information concerning your account. 5302 Exit 1 3 26 130327 Z 0 PAGE 1 of 1 9072 1100 XM78 olEJ5302 Pay online at 909acepital.mm or enclose this coupon with your duck Please use blue or black ink. —I Total Minimum Past Due Payment New Account Number Payment Due Amount Due Date Balance $733.00 $0.00 0329/2013 $0.00 4692 Payment Enclosed: $ ❑❑❑❑ [In ■ 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 print changes on back TODD A CRUMLICH 159 REGENCY WOODS N CARLISLE PA 17015-9069 Make Payment to: GE CAPITAL RETAIL BANK PO BOX 960061 ORLANDO,FL 32896-0061 Customer S2rvlce'QUestfons:For account Information,please can the td/flee number on the front of this stafemeM.Unless your name k listed on this statement,your access to lnfwmatku on the account maybe limned llu may also manquestkahs(but not Peymems)to:P.Q 9�x981127,BF2sq 7X79998.1127.Please!ndudeyouraccountnumberonanyorrespondenceYouserxltous Payments; Send payments to the address Listed on the remntarhce www.gemoneycom. coupon portion Of this statement or pay online at FL2779 PaYmerrtsPaYmeMscannotbemadelnPerson,mallpaymentsto.GE'MoneyBank140Wek1vaSyytngslaadLorgwcood Notice:See belowforyour&lnng Rghtsandotherimportant/nformatfon.Te underfederallaweTopreserveyoEffdjhts,PieasewrnetocurB7C I Addmss abourb8i4 el"MM7lnotpreserveyo"nights P4rehaseAmfumsand ) P g in9nqulrtesAddressPQBox981438,BPhsg7x79998-1438. Obtain PaYalhenorany ust rkrrob�n datemaynot.ppearumn._."' MA'sstarelWereselithergMto Payment ekdrenkapy,/q arty dhec/t ar other instrument that you send to us by initiating an Af}t amountofyourchedrorinstrumeMtoyoura000uM-YoLwdleckcrinstymentwillrrotbemtu�to ou k)delInthe bank account may be debited as early as the same day we recehe your payment.You may Y by us or your bank Your collected electronically by sending your payment(with the remittance coupon), on yourstatement,write to ss in your o envelope to have your payment remittance envelope,adoressedto.,pi530960,Atlanta,G430353-0960andnotthe ope-not theendosed What To Do If You Think You Find A Mistake on Your Statement:ff you think them is an error us at:GE Money Bank,PQ Box 981438,B Paso,7X79998.1438.in your letergfve us the fdbwing Information:.Account khfomhalkhn:lour nameandaecount number.Dollaramoul7hedonaramouMofthesuspectederror.Qesctlptionnfpmyern:yyouthlnkthemisan enoronyourbfgdescribewhatyoubelieveiswmVandwhyyoubellitisamistake.Ytumustcontact uswithin 60daysafterthe error appeared on yourctatement.lou must nobly us of any potentia/errors in,venting lou may can us,but n you do we arenot required to len an error ro any Apotentialwingerrs and you may have to pay fie amount in question While we investigate whether or not thereh..7he haerror,thefdkxvingaretrue: .We cannot try to talc the amount Inquestion orMPor(youasderrnqueMonthat awe mount..The charge fnquesto»may remain on cannot and we may continue to charge youirrterest on that amount.Brt,if amount.determine you do not haves a�You will not have to pay the amount In question or any interest or other fees related to that apply anyunpaldamolagahtttYour�rtnmm�mfnquesthr you are rp�vonsibkfor the remainderofyourbalance. .Wecan Your Rights ffYou Are Dissatisfied Wfth Your Credit CardPundhasm Hyouare dissatisfied with the goods or services that you have Purchased with yourcredit cart,andyouhave triedingood faith tocorrect thepobkm with the merchant,you may have the right not mallet q�IningamoldueOnthePfldase.To use this right,anofthe fdlowlrgmust be true:1)7hePurchase must hevebeen y homeState orwnh1n100miles ofyourpmerrtmalnngad�and the purchase pteemust have been more than$60. (Note:Neither of these are necessary ffyourPunyhase was based on an advertisement we mailed to you,or IF we own the company that sold you the goods orservkes)p)Ybumust have used your aedn card for the purchase.Fu chases made with cash advances fromanA7Mwwitha dhedcthataccessesyouraedrt cardaccouMdo notqualify.3))bumust not yet have fully Paid for the purchase. lfaff of Uhe criteria above are mei and you are sL7ldasatldied with the punJrase,cahtad usin writing at:PQ Box 981438,BPaso,7x 79998 1438.Wh/k we fnvesttgate,the sameMesapply to the disputedamount as drsaussedabove.After we finish our investfgatlon, we wliite8youourdedsbrh.At that pdM,flwethlnkyauoweanamauMandyauabnot pay wre maymport youasdennquent. Information About Payments:)bu may pay move than the Total Mlntmum Payment at any time Paymentsrecehed afterb.W FM �Y a wlnbepedrtedasofthnextday.Cedrttoyouracoourhtmaybedelayeduptorrvedaysffpayrnent(a)lsnotrecehedat remittance notmad in U.Sad(arsdrawnonaU.Sfinancial(rrstkutkulocatedintheU.S,(c)ISnotaccOmpanledbythe remftanoe nve�lopeatphirevl�d dor� a(�c paper cr'A than one paymentor corrtance cWPer4(e)Isnot received in the All written eommunkat/ons P paperdrps tape,a fokkd check cone pondenee ofary fypQ Cbndltlonal /ndkates that the payment cwhsttutes` darted amounts,Inducting any check or other payment Instrument that:(Jr othercondltorhserlimnatkns y Ml dun"orlstendered as fullsatfsfadionofad�utedamount,o lstenderedwith PD7spMedF9 menu mustbemaitedoraeliveredtousatPQ& 981438,BPa 7x79998-1438. Credits to)orur Account:An amount shown with a tR next to the amount k a vedrt or aedrt balance unless otherwise Indicated Ceditswlnbe app/kdtoyourPrevlousbalance immediately rrponrecefpt,butwlnnotsatf9yarryrequyedpaymentthatmaybedue. Telephone Monitoring:for quality cwhtrdpurposes;You permft us to Crsten to orreorxd t CYtlaepoKsandAceouMlnformatfon:ffyoubelieverhatwema have e calls between you and us reportngagencyPkaseoartadusatP.QBox981439,BPaso�1X79998-14 teiMormatlonaboutyoutoaconsumer. andtelluswhyyoube/kvenlslncenecLllyouhveacopY ofthecred/treportfhatlrhdudesr IneA rri Inaccurate fnformation def�ir tsontha repor�.We may report frAoratku abort youraccouM to vedrt bureaus Late payrcurat missed��seinc/ude Y ccetmtmaybereNected/nyourcredrtreport. PaYmeIorother Variable!tate lnformatlon:Ifany ofyourAPR;are vaNabk that Alit calif vary with the market basedon the P&ne Rite, HowLohg WinrnePpnafryl�reAppry7/fyourAq�arelnaeasedbepuse youmade a late payment,theFenalryAPRwmappill youmakesbrccnseq�mlydmumPayrrrenrs when due. How WeQlau/acourtrest:Weuseamarest fled`tiallybaynoe.'DuAIII briCigrycksinwhkhfnterestisdhargedforeachbalance type on your a000cmt we figurethe interest charge on your account by applying the pedpdre rate to the'dally ba/anc�e"of your account for each day In the bill type.Aseparate dally balance will be calculated for the Idlowbhg balance type;as apprrcable: wdsases;balance transfers;cash advances and other balances that are PrOmotonsFirst,wedeterminethe`da/lybalance'.'Todetenninetihedalybala eke sLd*d to int Interest rates,Pfaas or special new charges and fees posted that day,and scublrad a beginningbalanceeach day,addany Second,we cakwlate the amount ofinteresr clha payments and credits posted that day.Tits 9 us the daffy balance. account.Thkd,weadlInterestamounttothedat balance�a swe ummwin the abecometheh�retebyeach daily balance onyour lo[a/Meresrdhargeforthe III cpkthesumoltlhelrnerestamountsthatwere dra inningbelanceforthe/dbwingday. ba/ancetype.WechargeamlMmumWS2ofkftL-tlnanyb�ngcycie/nwhkhyouowe leg.hYduringtheb8nngcydaforeach Payinglnterest:H�urdue date/sat least 23 daysafterthe dose death bnlfngryde.We wnl riot dhargeYpuarry/Merest on purchases nYouPaYYaureMkebaknoaby the due date eachmonth.We wlllbegln chaig/nglntereston cash advaneesandbalanee transfers,ff ffYOuPbk,onthetirebalanceb t Bankruptcy Notice.ff you rile bankruptcy you must send us notice,Including account number and all information related to the Proceeding tothe followingadr8ess GEMomyBan,%Attn.IbnkWcy perry PQBox 103106,Roswell,G430076. YOuraccOuRtisCerdAgeementowrredarMsery/cedbyGEMormyBank forcomplete termsandcendrneruofyouraccount.cwuunyourOWN Carr/AgrecmeM. Hearingimpafred•7DDuserscan 1-877-448-8512 OIE6302-b-08122rfo Use oflnformationAboutYouandYourAccouM:CkurghcyporA d_escnbesouroolk�ctlonanddzdosweofinfarmationaboutyou and Yom Account.ffYou would rife another copy w the Flivary FprkY Please can us at the customer service lndkatedonthetro tofthisstaremeM. telephone number This Is an attempt to Willed a debt and any Information obtained wfff be used for that purpose. 9 Baa eta number on mmyy account,/consent to GEMoney ink and any other owner or serVker of my account gysilingany my autonatictel!eepp ydiarrisysterdrndlor nwtcontadlnfonnatkmorcenphonenumbers,provkk,and/consenttotherrseof unofermyPhoneplahn� g�nt�a�oranartflklalorrerecordedvowewhen contactngmeeven illamchargedforthecafle For changes of address;phone number ani emall,Please check the box and pant the changes below or vLs1t us online at 4emaney come Name S'reet AOtkess Z O Phoned Email hkrtielrK.e! s,yramm.. BYFRWD ��Vroom N 0rvradeeb AApDDDI�� PBiNtSS+CXINGXX/SR70PRlL YOt/kYQUAGI�70I€-'BWBHAILGLYYBNUN/C00NAB7UTIT)t/R B"LADDRESS TO 7HEDENZWMBiobWjFROWDBWWMLBtACCEPIINGYDURGUV. Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY O Ciiiruott, OFCICE <RINE SHERIFF -'11..E.:0-OF 'CO:, • 61 THE PROTHONOTAI 2014 NOV 11 PH 3: 00 CUMBERLAND COUNTY PENNSYLVANIA Portfolio Recovery Associates, LLC vs. Todd Crumlich Case Number 2014-6317 SHERIFF'S RETURN OF SERVICE 11/05/2014 Sheriff Ronny R Anderson, being duly sworn according to law, states he made diligent search and inquiry for the within named Defendant to wit: Todd Crumlich, but was unable to locate the Defendant in his bailiwick. The Sheriff therefore returns the within requested Complaint & Notice as "Not Served" at 159 Regency Woods North, Middlesex, Carlisle, PA 17015. Deputies were advised that the defendant is deceased. SHERIFF COST: $34.78 SO ANSWERS, November 05, 2014 RONNW R ANDERSON, SHERIFF (C) CountySuiIe Sheriff, Teicosoll, Inc. Carrie A. Breivn, 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 Llis DEC 3 I Pi; 2: 18 COUNTY YLVA 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. TODD CRUMLICH 159 REGENCY WOODS N CARLISLE PA 17015 No. 146317CIVIL Defendant PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above -entitled case as discontinued without prejudice. 17-07222 fully Submitted, 441 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. Carrie2i. lEyqiwn, 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. TODD CRUMLICH 159 REGENCY WOODS N CARLISLE PA 17015 Defendant : No. 146317CIVIT CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe to Discontinue upon TODD CRUMLICH, by First Class Mail, Postage Pre -Paid, a copy thereof on th.s day of 17-07222 TODD CRUMLICH, 159 REGENCY W S N, CARLISLE 'f 7015 - • aert 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.