HomeMy WebLinkAbout14-6957 Supreme cqutbb 'Pennsylvania
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_kKCourt.,of,Cdintnon�,Pleas For Proflwnotwy Use Only:
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' N�;-- �I � Docket No:
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The information collected on this form is used solely for court administration purposes. This form does not
supplement or replace theftling and service of plea&Mngs or other papersasreqaired by law or rules of court.
Commencement of Action:
DComplaint C1 Writ of Summons OPetition
S [3 Transfer from Another Jurisdiction Declaration of Taking
E
C Lead Plaintiffs Name: Lead Defendant's Name:
CACH,LLC JAMES SHIRLEY
T
Dollar Amount Requested: 13writhin arbitration limits
Are money damages requested? 13 Yes E3 No (check one) outside arbitration limits
0
N Is this a Class A cdon Suit? El Yes [2 No Is this an MDJAppear [3 Yes El No
A Name of Plaintiff/Appellant's Attorney: ALLAN C. SMITH,ESQ.
[3 Check here if you have no attorney(are a Self-Represented [Pro Sel Litigant)
Nature of the Case: Place an"K'to,the left of the ONE case category that most accurately describes your
PRE WARYCASE. 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
13 Intentional 13 Buyer Plaintiff Administrative Agencies
[3 Malicious Prosecution. Ca Debt Collection:Credit Card. E3 Board of Assessment
0 Motor Vehicle [3 Debt Collection:Other E3 Board of Elections
[3 Nuisance82 Dept. of Transportation
13 Premises Liability Statutory Appeal:Other
S [3 Product Liability(does not include [3 Employment Dispute:
E mass tort)
0 Slander/Libel/Defamation Discrimination
MEmployment Dispute:Other r3Zoning Board
C El other:
T [3 other:
I ]Other:
o MASS TORT
[3 Asbestos
N 8 Tobacco
Toxic Tort-DES
El Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS
E3 Toxic Waste* 13 Ejectment 0 Common Law/Statutory Arbitration
B [3 Other: Eminent Domain/Condemnation El Declaratory Judgment
H Ground Rent Mandamus
E3 Landlord/Tenant Dispute Non-Domestic Relations
E3 Mortgage Foreclosure:Residential Restraining Order
PROFESSIONAL LIABLITY Mortgage Foreclosure:Commercial 13 Quo Warranto
E3DentalE3 Partition 13 Replevin
E3 Legal 0 Quiet Title 13 other:
[3 Medical 13 other.
[3 Other Professional:
Updded 11112011
Q 3 5 9 1 3 — C 0 M 1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY,
PENNSYLVANIA
CACH,LLC c
v M `
I�- u)n r o ,
VS. NO: �c �
* ,Li � �- �
JAMES SHIRLEY ��M z; 2!:;z
-,
JC o
NOTICE TO DEFEND
You have been sued in Court. If you wish to defendant against the claims set fourth in
the following pages, you must take action within (20)days after the 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 fourth 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
claims or 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 OR CANNOT AFFORD ONE, GO TO OR
TELEPHONE THIS 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
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013.
Telelphone: 249-3166
r f:LE0-0FFI'�c
Law Firm of Allan C. Smith,P.0 rr THE PROTH'ONOTARI1'
Attorney ID: 204756
1276 Veterans Highway 20111 NOV 26 AM 11: 50
Suite E-1
Bristol,PA 19007 CUMBERLAND COUNTY
(888)275-6399/(215)428-0666 PENNSYLVANIA
Attorney for Plaintiff
CACH,LLC ) COURT OF COMMON PLEAS
4340 SOUTH MONACO STREET 2ND ) CUMBERLAND COUNTY
FLOOR
DENVER,CO 80237 )
Plaintiff, )
VS. ) No.:
JAMES SHIRLEY )
5 STRAWBERRY LN )
CARLISLE,PA 17013 )
COMPLAINT
To: JAMES SHIRLEY
5 STRAWBERRY LN
CARLISLE,PA 17013
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 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 the court without further notice may enter
a judgment against you for any money claimed in the complaint or for any other claim or relief
requested by the plaintiff. You may lose property or other 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 LEGAL HELP.
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE,PA 17013.
Telelphone: 249-3166
AVISO
Le han demandado a usted en is corte. Si usted quiere defenderse de estas demandas
expuestas en las pagins siguientes. Usted tiene veinte(20) dias de plaza at partir de la fecha de la
demanda y la notificacion. Hace falta asentar una comparencia excrita o en persons o con
abogado y entregar o sus objecciones a las demandas en contra de su persona. Se avisado que si
usted no se defiende. La corta tomara medidas y puede continuar ]a demada en contra suya sin
previo Avisa o notificion. Ademas la corte puede decidie a favor del demandante y requiere que
usted compla con todas las provisiones de esta demanda. Usted puede perder dinero o sus
propiedas o otros derechos imporrantes para usted.
LLEVE ESTA DEMANDA A UN ABOGADO O SI NO TIENE EL DINERO
SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSOAN O LLAME POR
TELEFONO A LA, OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL.
SERVICE DE REFERENCIA LEGAL
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE,PA 17013.
Telelphone: 249-3166
Plaintiff, CACH, LLC, by its attorney Allan C. Smith, Esq., by way of complaint against
Defendants JAMES SHIRLEY AND TABITHA SHIRLEY, avers the following:
1. Plaintiff, CACH, LLC, is a Colorado limited liability company doing business at 4340
South Monaco Street 2nd Floor,Denver, CO 80237.
2. Defendant, JAMES SHIRLEY, is an individual residing at 5 STRAWBERRY LN.,
CARLISLE,PA 17013.
3. Plaintiff's cause of action is based upon a writing.
4. Defendants,JAMES SHIRLEY, was indebted to GE MONEY RETAIL BANK for a
breach of the written contract by and between them in the amount of$2,424.70 which
balance was due and unpaid as of June 23,2013,for credit card account number
6019170221566182. <Exhibit A>
5. On or about July 23, 2013, GE MONEY BANK sold the debt for good and valuable
consideration to plaintiff, CACH,LLC<Exhibit B>
6. The Defendants,James Shirley, last tendered a payment on 12/20/2012.
7. Pursuant to P.R.C.P Rule 1019(i), a copy of the controlling writing, the Card Member
Agreement, is not accessible to the Plaintiff at this time and is in the possession of the
third-party assignor of the debt to Plaintiff. Plaintiff has a reasonable and good faith
belief that said writing can be produced to Defendant during discovery or prior to trial.
8. Plaintiff is entitled to charge-off account finance charges of$0.00. <Exhibit A>
9. Plaintiff is entitled to pre-litigation charge-off interest of $0.0000 per day from the
default date ( 0.000% annual percentage rate x $2,424.70/ 365 days) or$0.0000 x 600
days = $0.00; which is accrued interest through the date of filing. <Exhibit A> Plus an
award of late fees 0.00, court costs$215.75 and reasonable attorneys fees as stated in the
Cardholder Agreement.
10. The defendant, being indebted to the plaintiff upon the account by and between them did
promise to pay said sums upon demand. Demand has been made for payment and the
defendants have failed to remit payment.
WHEREFORE, plaintiff demands judgment against the defendants for$2,640.45
which includes interest, court costs, and a prayer for reasonable attorney's fees, should
this matter be contested or go to default judgment.
Date: September 24,2014
r
Allan C.Smith, sq.
EXffiBIT A
H H GREGGIGECRB Cardholder Name: JAMES SHIRLEY
GE Money SecondaryName: TABITHASHIRLEY
Account.Number: 60191702 2166 6182
Statement Closing Date: 0612312013
Summary of Account Activity Payment Information
Previous Balanco $2,389,70 New Balance $0.00
+ New Purchases $0.00 Total Minimum Payment Due $618.00
Payments S0.00 Payment Due Date 0612512013
+1- Credits,Fees 8 Adjustments-(not) $2,389,70- PAYMENT DUE BY 6 P.M.EASTERN ON THE DUE DATE:
+1- Interest Charge(net) 50.00 We may convert your payment into an eiectranic debh..See
New Balance $0.00 ravorse side.
Credit Limit $2,000-.00
Available Credit 50.00 Late Payment Warning:If we do not receive your Total
Days in Billing Period 30 Minimum Payment Due by the Payment Due Date listed above;
you may have-to pay a into fee up to S35.00.
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.
Transaction Summary
Tran Data Post pate, Reference.Number Description Amount
06/23/2013 06123,2013 F9071005E00999990. CHARGE OFF ACCOUNT-PRINCIPALS. $1,339.81 CR
06123/2013 0612312013' F9071005EO0999990 CHARGE OFF ACCOUNT"FINANCE $1,084.89 CR
CHARGES`
FEES.
0611812013 0611812013LATE FEE $35.00
TOTAL FEES FOR.THIS PERIOD $36.00
INTEREST CHARGED
0612312013 068312013' INTEREST CHARGE ON PURCHASES $0.00
_TOTAL INTEREST FOR THIS PERIOD $0,00
2013 Totals Year-to-Date
Total Fees Charged In 2013 5210.00
Total Interest Charged.to 2013 $263.97
Total Interest Paid in 2013 $0.00
Interest Charge Calculation
Type of Balance Expiration Date. Annual Balance Subject to Interest Charge
Percentage Interest Rate
Rata(APR)
Purchases NA� 29.89% $0.00 S0.00-
'NOTICE:
0.00'NOTICE: Soo reverse side,and additional pages Of any)for important Information canooming your account
5362 CZH '1 1 23 1.30623 ZS PACE 1 of 1 9671 0206 XRai 01. M2
PayO *—at gagerapOI—w endoee yrs..upm+M7t y—,d_+ Please use-two O Made int, —I
' Total Minimum Past Due Payment New
Y Account Number
Payment Due Amount Due Oate Balance
.K $816.07 $0.00 OW25.2013 $0.00 90191Y0221556182
Payment Enclosed
$ ❑ 000. [IF]
New address or e-mail? Payment due includes$0.00 past due.Please.pay the past due amount PROMPTLY.
Check the burr at left and
print changes on back
JAMES SHIRLEY
TABITHA SHIRLEY
5 STRAWBERRY LN Make Payment to:GE CAPITAL RETAIL BANK,
CARLISLE PA 17013-1064 PO BOX 960061
ORLANDO,FL 32896.0081
Customer ServfcevQuostiorm fur accanR information,please calfthe toN bee n mrber m the frond of tMs statement.t.hiess your
nam is Wed on Misstatement,youraccess to informationon the accorertmay be"ed lbu may also ma8quesdons Mut not
payments)to:Paaar981127,Bfbsq 7X79998-1127.Fimse6xkWeyacaccm"nomberonanyconesponderxeyousNdtoem
Payments Send payments to the address fisted on the remittance coupon portion of this statement or pay onkie at
www.,emoney.com.
OveFL32dPaymer payments cannot be made Mpersar4ninthpaymentsto:GEMrneyElank140WaklaSprkngsAhadLagf,
woo
779
Notice:SbebelowforyourEMgRghtsandoUmirnportantinform dm TelephmmgaboutbrimgermiswNimtpresa"your'rights
and erfederallaw.To preserve yowrfgtft peasewrke toomBMV/rquklesAddbm PO.Box981438,BF6sq 7X79998.1438.
Radmases,retumsandpaymentsmadeportpriartobfflingdate maynotappeart"Iti rtmondtssfatement.Wereservoiberkfdro
obtain payment eledrarica9y nor any check or otrer Irstmrrrend that you send to us by hMsting an ACH(alectradc)debit in the
amount of yourcheck or ksfirrert to youraccount.W"dhacu orkmD m aid weNnd the returned to you by us or your bank lbw
bank account may be debited as early as the same day we recelve your payment.You may choose not to have your payment
collected electronically by sending your payment pvith the remittance coupon),in your own envelope-not the enclosed
reinfirance envelope,adrkesmd fo:POIbx5.20MO,Atlanta,G430363-0980andnot the payment address
What To Do It You 71dnrk lou Find A hIstake Or)bur Statement:Hyou th**there Is an error on your statement,write to us at:GE
Morey Bonk,PQ tax 981438,B Pdsq 7X79998-1438.in your latter give us the fogawkg krtannadam:.Account k*"natioh:Ib r
name andaccotednumber.DodararrotMThedollaramourd ottresuspededenar.aaSniptimofproblemMyouthink them isan
enorm yourbX desafbe whatyoubeliieve is wrong and why you believe it is a mistake You must contact ListMIM 60 daysalterthe
enter appeared an your statement.You mast noffy us of any potential errors In wr tkhg,lbu may cab us,but if you do we ane not
required to kwestigats any potential errors and you may have to pay the amount in quasti rh.Wh9e we hwastIgate whether orad
them hasbeen an error,the fo0owwWare trre: .We carwmi try(ocoftd the amount km quGsti ti ormport youas defngL mrt m f f
amend..The charge knquestionmaymmainonyowstatement and wemay conib etochairyoukrterestonthatamount.Bmf,H
we determine that we made a mistake,you wN not have to pay the amount in question orany interest or other fees related to that
arownt..While you do not have to pay the amount in queston;you are responsible forthe minainderof your balance..We can
applyanyompaidamouMagainst yorcrodd9mit.
torr fights NYbuAm DissatisftedWith}bur Credit CardFrchhasmifymare dfsmtlsyled with thegoods orsw&esthat yarn have
puclhasadwith ywraadd card,and you havetrkedingoodfai htoconed thepinW4rn with the mere ant,younmayhaw the dgMm#
ropay the rerrakdrhgatraeud due on theprxchase.To use thisrigtd,agofthe fdtowirgmmutbe true:l)Her purrhase must have been
madekhyourhomestatedwNWi 100mBbsdyarchmmtmailkcgaduAoss,aukdtrepurchasepdcemrsthavebmiinoefhan$60.
t�sokfe cu offthesearenecessary ifyorpwdasewasbasedmanadvertisement wenodedtoyou,orffweavnthecanpany
y goods or servkm)4*u must haw sedyo r credit card kv Me purchase.purchases made with cash advances
from anATMorwftha checkthataceessesyourcraditcardaccamrdonotquaW.3)lbumtstndyethave hil y paidfarthe purchase.
Nall of fire aterla above are mel and you are stff cM!mf&W with the purdxm contact us 6n writing atRO Box 981434 BPasq TX
79998.1438.Mile we rove.Rig.ate,tine same rules apply to the dksputodamourt as disc ssedabove.After we finish owkwestigatron,
wewNte8youourdedtba tthatpoW.Ifwethk*youoweanamomdandyaudDnotpaywemaympwtymesdegnquent.
Information Abort Payments:Itu may pay more than the Total IIAMmum Payment at any time Pbymensreceived after6A0 FM
jETonany day wdl be credtedasofthenext day.Credit toyouraccomttmaybe delayeduptofive days atsymerd i!3)Js not receivedat
tha paymemaddresgtb)Bnot made In USdobis&awnona US ti nancialinsiftutlonkocat dkhthe US,(0 is not accompanfedby the
remittance coupon attached to your statement,(d)contains more than one payment or remittance coupon(e)is not received in the
remittance envelope provided or e)khchidas staple;paper clips,tap%a folded check or correspardmtce of any type.Oxiditfonaf
FbVmm Ad wrhten commurrkaUans carcmmMg disputed amounts,kxkrdirg any check or other payment kutunent that p)
indicates that the paymentconvitidas'payment in f ff'orls fenrlaredes Wsokfactim ofa dLS7rttedamourd,or Opts fendaredwlh
oMercmxftbmcr8mitatkrrs(DPsprtedPaytnmdsl imstbema8edorrfehemdtotsatPO 9xr981438,BFAsq 7X79998-1438.
Credits to lbur Accomt.An amountshown with a 07nenrt to the amount Ise credit or creM balance uadess dFrerwise Indicated
QeditswnNbeappgedtoyo rpmvlasbalanceknmediatety upmrecetpt,but wrNnatsati*aryrequkedpaymmd that maybe due.
Telephone Mydtorlrg:Forquallty codrd proposes,you permit its to 8sfen to orrece d telephone ca0sbetween you and us
OTT Repents andAcownt informat/on:l'youbeffeve that wemayhaverepwtedkaccwatehfmnationabout youtoa consumer,
report/rgagoxy pimse corm usatP.Q Bwr981439,BPasg 7X79998.1439.hi dokgsg pfeaseidmdffy thokamrato Wennatkrr
and telfuswhyycube&thveitiskhcarract.Ilymhhavea uopyoftheaeddrepot that kxhMesthekmccuratokdonnabon,pkmkxkde
a copy afthat report.We may report Itrtormaton abaur youraccaud to credit bureaus.Late paymmd;missedpaymerita,orothar
detauf is onyowaccount ma y be reflect ed mn yon crmN repot.
tradable Izate I fonuathon:ff any dyorrAFM are rarhable,that AFRwilf vary with the rnar1at based an the Rime fate
Haw Lag Mlithoftwifyi;btoAppy?hfyourAPMam bxmasedbecaLmyoumadealate paynimif,the FWoityAPRwNapplyWIf
youmalesixoorseadivemknkmunpaymrentswh mdtm
Haw We CaWatelntwest:WetectametnadcaMed'tfallybalance".DialgbWMcydesmwhkhkdmestbcton 4lbreachbaknoe
type m yarr accoud we"the interest charge art yow account by applying the pmhdic rate to One'dalty balance"of your
account for each day in the bDSV cycle.A separate daily balance wig be cakrlated for the fo8owkm0 befance types,as applicable:
purchases,balance bandmS cash advances and allm balances that are Sided to drierert Interest rates,plans or special
promotions Frst,we determine the'tiadybalance".To dehemdnethe daffybalance,we take thebegirvft balarceeach day,addany
new changes and fees posted that day,and subtract any payments and cre&s pouted that day.TMs gives us the daly balance.
Stacond,we calculate hire amazed dkderest charged To db thrix wemtltipty the app&abie da0y rate by each dart'balance myour
account.Thk4weadd the kterestarnoumt tothe daffy balance.andthesurnwi8become thebegkddng balance forthe Mowing day.
lbuukrtemstchaMefothebi Mgtdehsthesumcti hebrterostarhowitsthatwamdhargedeachhdaythabhgihebMVcycaforeach
balance type.We charge a mkdmum ofS2 ot kdenest in arty bi➢trhg cycle in w1 kh yon awe kdere m.
Payingintered:lburdue date Lsatkast 23 daysafterthe dose ofeadmbMI gcyce.Wew9not cargeyouaryInterest onpurchases
Yyoupayyowenfire balance Who acre dateeachmontm.We wall begin chargingknterestmcashadvancesandbalance transfer$fl
appOrabt%on the trarsacdondate.
Bankruptcy Notice:t yam mile bankruptcy you must send is notice kx*icW g account number and all kdormation related to the
proeeedmgtothefogavkgad*u GEMbreyBarikAfbra3nlvuptcy0q*,P.CtBorirx?106,Aoswe%GA3W70.
HrraccountisownedandsetvicedbyGEA*myBark forcomplete terms and mndifforsdyowacmwd,consuttyourORdd
CardApeemend.
Hearinglmpaired:7DDLzerscaC 1.877-448-8612
Ofa6=-e-0&210
llseoflnromratlon About YouandMxrAccand:ClrA,"mydesr�esorcagecdonanddbcksmeofkdmnatlohabaayou
r un
and yo Accot.ff you would M e another cc"of the FrAacy Fbky,please call us at the customer service telephone number
kx atedonthefiordofthissfatemerd.
This is an attempt to edfect a debt and any irtmnatiom obtained wrNbe used for that purpose.
BY provkft a telephone number on account,I consent to GEMomy Bar*and any direr owner or servicer d my account
contactrrgmeabaotnyaccard,trr�md LttganycadacfktmnatkrroraegphmenmhbersipmWoi%andlcmmttothetmd
myautmatict uedialingsystemanrYoanartMdaforteremrdedwkewhencaMadtrgme,eveniflamcargedforthecafl
undertrypht—plam
For changes of address phone nxnher andvar nine please chedr the box acrd print the changes below or vM us or►Orre at
w�ggr�gY.00nm.
StMer
Name
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BYPR ADfNGlOCPEMLADDA341WAGREMA tMWSMLQ74RGRs1iOV=A97UrMRACO"ITA 1DAfMGM
FERWMMFQRUSTDFFVWDE1OC.RBWYLADafEWTDTifGiOMCMD
H C91ECKYGEMS Cardholder Nath:. JAM1ESSHIRLEY'
. S_condaryMmw: TABrrHA%nRLEY
GECtS tG1 Rettlil Blink Account Nuntrr: 6019 170221566152
{� SaI&wm Closing Dite: 12/202012
AWaMw 4Nti'il+lil+iil+1+!1!14+!
Previatts Balance $.1.493.95New Balanlr $1.950.73
i NewPurcluaes $431.51 Mirdmm'PavmentT2iisPeriod $95.00
• 'Payments $53.00 Amotmt.PAgDue. $86.00
�!- C}erOia,TecaRAd)ttUmenta(rtet). SAN) Total Minimum payment We $181.07
M+ intares3C 'e.(rcl) $40.27 Payment DreDate 01/183113
NewBalancoe, $1,950.73- PA}T1Eh"r DUE SY5 P.M.EASTERN ON THE DUE DATE.
CSet$i Lunn"
$10M.D We may cota'ehl your paymentinto an electroNodebii See
AvailableCredii. $49.00 reverse silo
Days in Billing Petiod 31
Late Payment Warning, INIc 6 not roceiveybur Tual
Payonfifiefdr free at gogecapied.com. Minimum Payment Due by the Paynrn Due Date liitof above
IbrOECapitalRetallBtndceusroaa:rseMaoftoupdrtyoumuyhave topaynlate the uptoS35.00.
ytaranilost m.atolen al11-5663968253. MininttsnPaymentWamiog7, Making only the TotalMlitumun:
Rest tines to call are W&I estlay='Friday: Payment Dte will btereaee the amount of Interest you pay dad "
Nettieneittal9:storepayyourbalance.Foreanmple:'
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Only life atimimtnn: 12 years $5d24n0
payment
It you wmgd[At ihforniatiun abou'crudi,counseling scrviices;
call 1.877-5023797.
* 4• vi*+t+l+l.►l+lil+�+l+++++! •+►+lrt++l+l�lrtlrtli•rt!+!+!+!•++�
Trah Da* Post Due. Referenx Nunher Description Amount
.12120/2012
12202012 122012012 8534812PK0184E614 PAYMENT THANK YOU $53.00 CR
12222012- 12222012 6334812PNLFSKCATA HHQUDOG201'LOWERPAXTO!i;PA W4.51.
STANDARD-PURCHASE
FEES
12/182012. 12II&W.2 LATE FEH' 535,00
TOTAL FEESFOR THIS PERIOD_ S35.ti1J
INTEREST CHARD D
12/26/201.2 .12W201T, INTEREST CHAR(E.ON PURC RASES 540.27
TOrrALINTERE4r FORTHISPERtOD" $40.27-
oral Iles Charged in 2013 $2&0.07
ottl Interest Charged in 2012 $372A6
and lntereat Paid in 2012' $111.79
• } 4 } T } + } • t ! • +
Wr 4nlil+l+l+!'1�lii+l+lti+l+l+l+•4lM1itl+liltl+l+irtl+lrtl+ltli!
Eaptration.Dale Annual. Balance 51J:gect to, Intereet 0iarw
7ype.orlia)one6. peucentopw Imemsm.Rate ,
Rate(APR) 1 11
Pimchases NA 1 29.99% $I 0.116 'S40.27
'NOTICE::.See OverSe Side and additional pag2s Of wj)Tbr i rgtmrtant.ffurmaiion cancer"your account
5302. 'Gen 1 .7 23 121226 611A0e'1 of 3` 9071 02.00�XR31 'Ol^nJ5302-
Pay online"at pogeapital.com of enclose this coupon with you"check.Please um blue or dad:ink.
+ ♦ + + +!+! +!+ +t S►!
"S-I", $56.00 01/18/2013 $1,950.73 6019 t702215b61S2
- - -
PaymentEnclosed:: g ❑❑,❑❑ ❑. ❑❑..
F1New address ore-mai17Pavrrnnt'dueincludes$86.00past due.Pleasepay the,rwtdueamountPROMPTLY'
Check the box u te8 and,
print changes on Nick
LANES S1B1iLEY� FIT-AF1'FT MDFATIX)IWDDATFI:DDADAAFDDFADDTTTITFTAAADrFDFFTA77FF.-FATA
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TABITHA SHIRLEY`
5'STRAWBERRY LN MakePaymentm:. GECAPITALRETAIL.BANK
CARLI32i PA"17013.1064; PO 80X'960061
ORLANDO,FL 32596.0061
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00181000005300 b01810000155073: 000601917 0221566 18,262
customsr5�cteolOuesHons:foraatiwrtfMMrtaotion:Please tapihetdA tree number onthefiafdaf thtsYtotemeM:tlnhss
your acme K kited on thtf staterrient;.youraccess to bifbmtodon an the account maybe 17m&d..10
eo ntoy olsa;rnc9 quesdorts
abut not poKiento)tm P.G.Box 9650A Odando,FL 328463033.Please on
include yourdocbuat number.on cry
you send io vs:
Paymerrtr«Send 0"erds&.the address Acted wi the 4mitbance coupon:portion of"statctrterit of paY onfele ut www.
gogecopitaL—, .. ..
Eevad F tPaNyments Cornet be made it poison:moll yayvttsnfa.to Gc tophol Befall Donk:340 Wtklw spripgt
Notice!Setbtkwi fary?oFurBilling f*. hts and other knpottant In�ormation.Telephoning about bilkip errorsveill notpraserve
your rights under federat low.To presents your dghtf,please write to our-Ming inquiries Address,P.a.8ox%S03S,Orlando,
FL 3284E-5035:
pun" mf,alums and poymw,;:moat Just Astor to blihtig daai may not appear until next mantNf atgbnrewet.YJhan
you pea gl*okfurtdtronfuttatybymndingyoupaymenttwtththsramfitantecou rd.tnyaurownenvdeps-nattfnsndosad
nhrtittartw tmtlops,ad�rissod to PO sate 530980,Atiarda,GA E0353.4860 and Bot itis poymvrt Wdrasa.
VAat to Oto frVoU Think YOU Find A iftstafr•On Your 5PotitYttrml»• .
tfyquthinklhgreIsanamonyourstatomwr wrtetoue6C
GE Capitol R,etaA Bank:P.O.Ba<4.5035,Odmindo,FL 32896-5035,
M Yyaotrsring letter glint us the followinformation:"
lie wsit infomiatiort Your name and account number
•Dollar am oUnt:The dotbrom ount.af the suspected error
(ye4a wao Of problem:If you tlsink thwels on ersoron your bat describe what yeti boli4w it wrong ar4why you be%
Tieva}kis o matake.
Yeti uskeaitactusw'h0i6o,daysailsrthe enorappaoradnay�mrcmtement,
Yoamustnot' `usofanyyotodwsfrmsrsiswntirx}.Yaumayrnlv�butffyoudowsairnadiequtrsdtn;tinrstigateami
pofeneofrrroroandyaannyhawto I theomoaMinquestion.
Mv.we iuws�grrtewhathsr or pwtthere has been on error,the following ort tntoE
•We tdnnot try to caked the amountin quesdat or report you at delfnyuent an that amount.
The 4hoe"In questiad fray refrain r i your statement and we may contWmeto charge you inter est art thatmount:
gut if tvs determine that we rao a,mtitakt;you will not have to Pay the amount in qufs on.or any interest or other feet
related to that oA"At.
wtaFlayou do not havv to pay the amount hiquestion you ore rispixrslhie for the iieri;oln6erofyaur tmtQice
.Wecan appyaiyunpatd anaW ogainstyoui credit lirnit.-
fnformationAbout y�tmns:You mayotany Omepayinwholeotmpart,the total urppoldbolanctwithout any additivenal
charge for yrePaymInt Payments meiVaa afar 5.4400 PM(£T1 oq any day viii las urWited dt of into ntxt day,Credit to your
tttcovret may be detmryed uq m•frve days i*payment tai is riot roe at the payrt�+taddress.thF rxrt made in US.ddlors
drawn on a US?financid trssUtutiort lasted in the U.s (d 1s not rood by the rim Uance wupon attadted to your
statement idioonteirumorethanaretwymeritoFremlNoncseoupoh, isnotrscacved'intheramitmntsenvebptprovtded
or til iriclud►t st.0 pager cApf,topR a folded t9lecie or carter of artytype - All written
eemmuntcoebns canamfng disputed tmountr,inelu5rt9 a_,shook another paymlM bl?tNmeM thOC iii indkotas that tM
paymem canstliutes p In fvA"ar is tsndersd os ism sousfactien at a dkpattd amount,or li0 B tendered with other
tartiats arYmmttcdansted Paymvrts"1,must bf ritaiFtd ordeAvwtd to ut.at P.Q PAa965035,Orlando.CZ}2$965035.
Credits to Your Account An omourit shaovm in parintfrtiis fs a credit or.crsdit baiar"urihrir otherwise iridlooted.credits
veli bt apptitdtoyour prMouft alanteimrnedbti�upon tuenipt,but will nottatisfyany reguhd OWY4 Mthat orgy be duh
Credit torpor,and Aceotit fnfanrur0orLsyou be"thatwe mry Mwe r�porttdnoccureatsinformolbn about you to a
consumer g a9 pteaie cantaty us of P.Q:itox 465036.Odanda,FL 32896•S03G M dokg'ac,plewe identify the
rtoeautatrin rormntapatd��usivfrpyouhel,eveitissmcorrxt.fyouhaveacopyoftheeredrtrepatthatinctudesthesig-
curate information,Please mrlude a copy of thatnaport.We May report information about your account to creditbvreaas:
Late payment;missed payments,-dr clear defaults on,yow ecce;rAn W be reflected inyour sem report:
flaw Wt eoieulefe Internet We figwe Eheimiterastcfmrgtt on yourt>rtatnitby apclvrio she oerio�tratsta the•dotty lick
areae".of youroscotrM Earaach-day.in'thr bR6ng LjrstnWe than add the interest Eo dopy tones.To get tlx'daily tial.
arae"wa take nits tpeglrtnYeg belQncedyaur-accouipteoih day tNhieb.indudes unpaidinteri�odd any new chargee,rind
appikabte tees;end sutraactarrryry'payn+ma or credits.mss gales ustl+r dairy baker«:Aay aoUy bddnce of peso thw,xera wAi
11 trsatadosawo.Asepaotstlailvbotapcsavilbtrakvtateetaseatttbabnalyp�tonyrourauount fiebalenteklctavnt
.h the ketersst dmrges ttctbn o}Ohtis amtement ff the tom of tM daffy boianctt far Saab doye,M tM lidfipg cyt4dividsdDy
the numberaf doyt in the LiAing tyNr:.
6ankrupttyNatieviftautds� pptcyyrou frantsend Uinotice,l""rfgaecountdumber ardall ini*mutianrelated to
Esteprdoegdirigofthe AswingoddreszGECapiWA"Bonk,Aterfiar;WPttyCklmt:F,O,8_mr3031C5Rosvfek050076:
Your aotaitmt ht ovrrisd and t"ctd byGE cepltai ReRall
stork;.
Hearing Inipair J00 users too 1�77•le9>)St2
Ui*lof tMenrtotter'AboutYou.and.YafwAaeiunt".Our pdvM Poky dettcibes ouredtkctfon'dnd 4iidosur4.rof i ifo matiM
aboutyou and your AtoovnL if you woofd like another copy of the Riwty Polrcy,pkasew8 us at tM automtr xervfcR tate
phone number indicated an the-frontofthis statement,
ibis is an attempt to collect a debt and any information ebtuined will be used.for thatpurpote,
Ol£13302.12.03105112:
By providing a"Ohms tumlierai3iawoccouni,youconsentto,GECapitalRetailPankandanyaiherawr4roiseMcersit
your attatMtahtoctin9You oboutyauraccount,Irioading uiing.anycontact Infon tatbA or"R Phonenumbeetsyou prayldf,
and you cariSenFtO the use:ofany.abtorraft teliphons,6WP9 systemdrdJbran arti6tial or rerecordedWcs cantata
imq you.even Nyau am charged tot the call under your phone plan.
For'changesof odiirm or phone dumber.pomse check the box and print the c-hongstbelow RetoilFit O1EJ5302
soccer.
Street dress
CW a.
State, Zip Code
Home Phone OusintafFu–moitUnMAddren
Remember,you can update the above knformation on well as youre-mall address Online at www9agampitat4am
Cardhoider,Name: JAMES SFURLEY .,Account Number.6019.17622'1566182
:Ecoudar.y Name: TABITHA ffiIRIEY Statement Ctoang Dart:12J3fif2612
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This notice is to let you blow about some promotional financing plass that.may be.avaihsbie for you when you use yourcard fQ-
ruttre purchases.Thisisoniy assmsm:ryofkeyterms Additional details or promotional-funning pians will be providimi it)you
atthe,Ent of your"maction Not all plans orall plan periods will be available atevery HHGregg retailer,Forpurposesofthis
rnttleaumyour Purchase Annul Percentage Fate("APIC) is 2,00%,see the hmetest(limp Calculation sectionor this
billing statementto determine ifthis APR is variable.If a(y)is sbown next toyonr APR.this APR will vary with the market
Imsedon die prime rale.Sub*(tocmfitapproval.Regular account terms applytoonapromouarialpurchases and,after
:
promotion ends.to promotional purchase.
No fulerest ff Paid Within Promotional Period
(These can he advertised as Referred frtemst promotions)
Under thisprosnrition,,no interest Charges will be assessed if the prod-nional purchase balance is paid in full-within:the
promotional period-it the ir"tiottal purchax balance is nut paid in full by t e'end of the promotional.period,interest will be
imposed from the date of purchase at the Parchaw APR. staled above.Minimummontli y peyments are required.This
promotign may be offered fa periael,of. 6.12,18 qr 24 monde.
Milled lnfemst Promotions
Under this promotion,interest-sill he iss sxdon your promotrtnai purchase balance from the piac:hase ddte.at a tidied
Annual➢erceniage Rate of 22:98%during the promotional period After the pmrnotional perind,the Purehaw APR: stated
above will apply.Monthly paymentswill he required during the.pmnimional period Snmeof these piomnxinns may regdren
inirdmumnunthly payment tint.is higher(ban the minimum payuent that would be.requked if dw purchase was
uon•promeitional..This promotion may be offered for periods of 12.matths.. .
Maw keep this for yoa:recorth.. If you Stave any quesiiims,Victim call uszt the(lstomer&rvigxnumler Xhown on you
statement
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We understand the impact of natual disasters can beiliftieultand sue hope you andyota ktved ones are safe.If you need
specialassistanie w8hyogr srcmuntCAW i-resentaiikesam available to assist yon by calling,the itmterontffisstatertr(nt:
PAYMENT ON YOUR ACCOUNT-IS REQUIRE6,
PLEASE CALL THIS-CUSTOMER SERVICE NUMBER RErERENCGR ABOVE.
5307. C2n :1 7 23 121226 P,PAGE.'2;:fif 3 0071 0200 XR31 oir75'302.
s3J2 exs
2 7 23 121226
D PMIZ 3 0£ 3 907;
0200 KR33 01415302 '
EXHIBIT B
CERTIFICATE OF PURCHASE
I, ANGELICA MARTINEZ , hereby depose and state that:
1. 1 am an Authorized Agent of CACH, LLC, a Colorado Limited Liability Company.
2. As such, I am authorized to give this Certificate, and possess sufficient personal
knowledge to do so regarding:
Customer Names: JAMES SHIRLEY
Original Creditor: GE MONEY RETAIL BANK
Account Number: 6019170221566182
3. On or about July 23, 2013 this account was sold.by the creditor. CACH, LLC is the
current owner of the account and purchased the account for good and valuable
consideration.
=T 0 3 2014
Dat
By:
Sworn and subscribed to before
OCT 0 3 2014
me this day of 2014.
TOM VIGIL
NOTARY PUBLIC
STATE OF COLORADO
Notary Public MYCOMMIaSIOR -1D 20004012,5
040 OBER 2o,�3tg
3304335672 GE CARTAL RETAIL SAN 12:02:46 p.m. OB-21-2013 16.18
GE Capita)
BILL of SALE
CACH—PSCC Fresh—July 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 this 2nd day of July,2013 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 CACH,L.L.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 July 22,2013,and as
further described in the Agreement.
GE Capital Retail Bank Monogram Credit Services,L.L.C.
By By:
Ken Wojcik Attorney inFa Ken Wojcik
Tide: EVP Collections&Recovery_ Date: TS -l6-13
Date: 0 8•t b -f 3
RFS Holding,L.L.0
General Electric Capital Corporation By:
By: Attorney in Mt Ken Wojcik
Attorney in t Ken Wojcik Date: L8-14,13
Date: O&A,t3
GEM Holding,L.L.0
GEMB Lending,Inc. By: c
it 11 Attorney in Net Ken Wojcik
By:
Attorney in FacUKen Wojcik Dote: DE3 •16 - 134
Date:
AFFIDAVIT OF SALE
STATE OF: Minnesota
SS
COUNTY OF: Ramsey
BEFORE ME,on the day and date set forth below,the undersigned Notary,being qualified and
commissioned in and for the county and state aforesaid,personally came and appeared David
Stransky,who being duly sworn,did depose and say:
Affiant is a Collections Operations Representative.at GB-Capital Retail Bank,issuer of the
relevant consumer transaction/credit card. I have reviewed the information below regarding the
debt 6019170221566182(the"Account")made by JAMES SEMLEY(the"Debtor")Tilade
payable to GE Capital Retail Bank and subsequently sold to CACH,LLC.
The amount owed on the account on 7/20/2013,$2424:70 was sold to CACH,LLC and is
reflected in the system of GE Capital Retail Bank-
The
ankThe following statement pertains if the debtor referenced above is a state of California resident:.I
certify under the penalty of perjury under the laws of the state of California that the foregoing is
true and correct.
Executed this 14th day of February,2014
David S&6–slk-
Collections-Opeiay Representative
Sworn to.and Subscribed before me.this 14th day of February,2014
no I'l&c�—
otary blic
WtlIIAM 5.DUNKEI JR. 1 ��
a Notary Public My commission expires:
4� State of Minnesota
titY Commission Expires
January Ji, 2015
Version:1.0.1 AOS 46_06 2012•St Paul
4
f
VERIFICATION
ANGELICA MARTINEZ hereby depose and state that:
The language of the foregoing document is that of counsel and not necessarily my own;
however' I have read the foregoing document and the factual information contained therein
is true and correct to the best of my personal knowledge.
I am the Authorized Representative and a duly authorized representative of the plaintiff;
The factual allegations set forth in the foregoing pleading are true and correct to the best of
my knowledge, information and belief, and they are that JAMES SHIRLEY owe the
balance of$2,424.70 to CACH, LLC ori previously submitted invoices, which balance is
due and unpaid as if the date of the execution of this Verification.
I am aware that if any of the foregoing is willfully false, I am subject to punishment.
I understand that false statements made herein are subject to the penalties relating to
unsworn falsification to authorities.
Dated: T @ 3 201,4
ANGELICA MARTINEZ
Authorized Representative
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
SHERIFF'S OFFICE OF CUMBERLAND COUNTY., .
THE PRO I H1ONCi i i>, t ,
f�1 DEC -14 fii 57
PE '1.1NNSYLVANIRLAND P I
Cach, LLC
vs.
James David Shirley
Case Number
2014-6957
SHERIFF'S RETURN OF SERVICE
12/01/2014 08:50 PM - Deputy William Cline, being duly sworn according to law, served the requested Complaint &
Notice by "personally" handing a true copy to a person representing themselves to be, e Defendant, to
wit: James David Shirley at 5 Strawberry Lane, North Middleton, Carlisle, PA 1' 113
IAM CLINE, DEPU
SHERIFF COST: $34.78 SO ANSWERS,
December 03, 2014 RONNY R ANDERSON, SHERIFF
(C) CountySuite Sheriff, Toleosoft, isc.