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Home My WebLink About14-7299 Supreme Court of Pennsylvania Court of Common Pleas Civil Cover Sheet For Prothonotary Use Only: Docket No: Cumberland County i � ��/l The information collected on this form is used solely for court administration purposes. This form does not supplement or replace the flling and service of pleadings or other papers as required by law or rules of court. Commencement of Action: ® Complaint ❑ Writ of Summons ❑ Petition ❑ Transfer from Another Jurisdiction ❑ Declaration of Taking S E Lead Plaintiff's Name: Lead Defendant's Name: MICHELLE NEWBOLD C PORTFOLIO RECOVERY ASSOCIATES LLC Are money damages requested? ® Yes ❑No Dollar Amount Requested: ® within arbitration limits (Check one) ❑ outside arbitration limits 0 N Is this a Class Action Suit? ❑ Yes ® No Is this an MDJ Appeal? ❑Yes ® No A Name of Plaintiff/Appellant's Attorney: _Syretta Martin, Frank Janello, Beth Arnold Howell, Kami S. Miller, Christoph r Titus ❑ 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 kKpebt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other E ❑ Product Liability (does not include ❑Employment Dispute: mass tort) C ❑ Slander/Libel/Defamation Discrimination T ❑ Other: ❑Employment Dispute: Other ❑ Zoning Board I ❑ Other: 0 N 1:1Other: MASS TORT ❑ Asbestos ❑ Tobacco B ❑ Toxic Tort-DES ❑ Toxic Tort-Implant REAL PROPERTY MISCELLANEOUS ❑ Toxic Waste ❑ Ejectment ❑ Common Law/Statutory Arbitration ❑ Other: ❑ Eminent Domain/Condemnation ❑ Declaratory Judgment ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure: Residential Restraining Order PROFESSIONAL LIABILITY ❑ Mortgage Foreclosure: Commercial ❑ Quo Warranto ❑ Dental ❑ Partion ❑ Replevin ❑ Legal ❑ Quiet Title ❑ Other: ❑ Medical ❑ Other: ❑ Other Professional: Updated 111120 2854252 PPTXCPRI(07/18/2014) 11111111111111 IN 11111111111111111111111111111111111111111111111111111 IN f Blatt, Hasenmiller, Leibsker & Moore, LLC Attorney for Plaintiff, 1835 Market Street, Suite 501 PORTFOLIO RECOVERY ASSOCIATES LLC Philadelphia, PA 19103 800-850-1079 PORTFOLIO RECOVERY ASSOCIATES LLC c/o Blatt, Hasenmiller, Leibsker & Moore, LLC IN THE COURT OF COMMON PLEAS 1835 Market Street, Suite 501 Philadelphia, PA 19103r CUMBERLAND COUNTY, PA .. Plaintiff, CIVIL ACTION �` ? VS. MICHELLE NEWBOLD y 1543 NEWVILLE RD CARLISLE PA 17015 �r^w Defendant. NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 800-990-9108 S 2854252 PPTNPRAI (04/24/2014) �. N[,(J, F IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII�IIIIII�I r AVISO Le han demandado a usted en la corte. Si usted quiere defen derse de estas demandas expuestas en las paginas siguientes, usted tiene veinte dias de plazo al partir de la fecha de la demanda y la notificacion. Hase falta ascentar una comparencia escrita o en persona o con un aboga do y entregar a la corte en forma escrita sus defensas o sus objeciones a las demandas en contra de su persona. Sea avisa do que si usted no se de fiende la corte tomara medidas y puede continuar la demanda en contra suva sin previo aviso o notificacion. Ademas, la corte puede decidir a favor del demandante y requiere que usted cumpla con todas las provisiones de esta demanda. Usted puede perder dinero o sus propieda des u otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE, SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. SERVICIO DE REFERENCIA LEGAL 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 800-990-9108 Syretta Martin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 Kami S. Miller, Esq. PA Bar #78590 Christopher Alan Titus, Esq. PA Bar #315746 Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 TELE: 800-850-1079 FAX: (215) 564-3818 Attorneys For Plaintiff IN THE COURT OF COMMON PLEAS OF Cumberland COUNTY, PA CIVIL ACTION - LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff, No. V. MICHELLE NEWBOLD 1.543 NEWVILLE RD 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(s), MICHELLE NEWBOLD, is/are an adult individual with last known address of 1543 NEWVILLE RD CARLISLE PA 17015. 3. It is averred that Defendant(s) opened an account on 04-25-11 with account number XXXXXXXXXXXX3574 (hereafter referred to as "Account"). A copy of the Defendant(s) statement is attached hereto and collectively marked as Exhibit "A". 4. By using the Account, Defendant(s) agreed to repay any incurred balances, charges and/or cash advances made to the Account. Failure to pay Defendant(s) incurred charges on the Account is considered a default. 2854252 PPTCPRAI (07/18/2014) 1111111111111 IN 11111111111111111111111111111111111111111111111111111 IN 5. At all relevant times material hereto, Defendant(s) has used said Account for the purchase of products, goods, and/or for obtaining services. 6. Defendant(s) was provided with copies of Account statements showing debits and credits for transactions on the aforementioned Account to which there was no bonafide objection by Defendant(s). 7. Defendant(s).was in default with respect to that debt for failure to make the required payments on the Account. The last payment date on this Account was on or about 11-29-2012. 8. Plaintiff is the purchaser, assignee and/or successor in interest of GENERAL ELECTRIC CAPITAL CORP/CARE CREDIT and Plaintiff is now the holder of the Account. A true and correct copy of Plaintiff's Verification is attached hereto. 9. As of the date within the Complaint, the remaining balance due, owing and unpaid of Defendant(s) Account, as a result of Defendant(s) and/or any authorized user's of said Account is in the sum of $1435.72. 10. Despite reasonable demands for payment, Defendant(s) has refused and continues to refuse to pay all sums due and owing on the aforementioned Account, all of the damage and detriment of the Plaintiff. WHEREFORE, Plaintiff respectfully requests this Honorable court enter Judgment in favor of Plaintiff and against Defendant(s) MICHELLE NEWBOLD, in the amount of $1435.72, plus costs of this action and any other relief as the Court deems just and reasonable. Respectfully Submitted, Dated: � ],, l�- Syretta Martin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 Kami S. Miller, Esq. PA Bar #78590 Christopher Alan Titus, Esq. PA Bar #315746 Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 TELE: 800-850-1079 FAX: (215) 564-3818 Attorneys For Plaintiff BHLM REF #: 2854252 VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, Meryl Dreano hereby states that he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her knowledge, information and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to autho ' 'es. nate: NOV 13 201 By: 210i�� Beryl Dreano Custodian of Records BHLM REF #: 2854252 PPTXPVRI (05/27/2014) Exhibit " All 2854252 PPTXEXAI ( 04/17/2014 ) .CARECREDIT/GECRB Cardholder Name: MICHELLE NEWBOLD GE Mone Account Number: 3574 Money Statement Closing Date: 09/21/2012 Summary of Account Activity Payment Information Previous Balance $1,687.72 New Balance $0.00 + New Purchases $O.00 Total Minimum Payment Due $472.00 Payments $o.00 Payment Due Date 09/23/2012 +/- Credits,Fees&Adjustments(net) $1.687.72- PAYMENT DUE BY 5 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 $2,000.00 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 PROMOTIONS)EXPIRING ON 11/23/12. Promotional Purchase Summary Promotional Promotional Deferred Tran Date Description Initial Expiration Balance Interest Charge Purchase Date Amount 11/23/2012 $1,086.80 $0.00 04/25/2011 Deferred Interest/No Interest If Paid In $1,631.80 Full A summary of your promotional purchase is provided above. Any promotion may be terminated if your account goes 60 days pastdue. 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 Pian)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 Date Post Date Reference Number Description Amount 09/21/2012 09/21/2012 F90720OLT00999990 CHARGE OFF ACCOUNT-PRINCIPALS $1,116.80 CR 09/21/2012 09/21/2012 F90720OLT00999990 CHARGE OFF ACCOUNT*FINANCE $605.92 CR CHARGES` FEES 09/16/2012 09/16/2012 LATE FEE $35.00 TOTAL FEES FOR THIS PERIOD $35.00 INTEREST CHARGED 09/21/2012 09/21/2012 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2012 Totals Year-to-Date Total Fees Charged in 2012 $330.00 , Total Interest Charged in 2012 $73.80 Total Interest Paid in 2012 $0.00 NOTICE: See reverse side and additional pages(if any)for important information concerning your account. 5302 DFH 1 3 21 120921 Z D PAGE 1 of 3 9072 3000 XB37 OIEJ5302 Pay online at gogecapital.com or enclose this coupon with your check.Please use blue or black ink. — CareCredit Totyrnentmum Past Due Payment New Account Number ■ii �iM Payment Due Amount Due Date Balance $472.00 $0.00 09/23/2012 $0.00 3574 Payment Enclosed: $ 1111111111❑❑❑ ❑. ❑❑ ❑ CNew address or e-mail? Payment due includes$0.00 past due.Please pay the past due amount PROMPTLY. heck the box at left and If you only pay the Tota print changes on back l Minimum Due h may not pay oft the Promotional Purchase by the Expiration Date. MICHELLE NEWBOLD 1543 NEWVILLE RD CARLISLE PA 17015-9489 Make Payment to: GE CAPITAL RETAIL BANK PO BOX 960061 ORLANDO,FL 32896-0061 Oistomer SeMearQuestfons:For account hdormatba,please call the td/bee number on the tram of this statement.Unless your name is listed on this statement,youraeoess to#nWmatlon on the account may be ranited You may aBo mailquestion s Ibut not payments)to:P.Q Box981127,Blbs%7X79998-1127.Pleasehxhxbyouraceotmt numberonanycormspondeneeyousendtous Payments:Send payments to the adaiess listed on the remittance coupon portion of this statement or pay onlfne at www.aemoneu.com. Ovem/ghtPeymerdspaynentscannotbemadeMpwson,ma#paymentsto:GEMomy&nk 140VKMoSpdngsRat{Longwoo4 FL32779 Notice:%ebelowforyourSft ffghtsandorherirnpmbntlnfarmadm?blephonhgabomb811ngenors wmnot pneserve yourdghts u xfarfedemliaw.Topieserveyourdghts,pkasewrftetooLffOWngingtrN esAdctes;P.QBDx981438,BPasq 7X79998.1438. Prdhase4 tettrnsandpaymerrtsmade]Lust prfortobiBing date maynot appearumt8next montlI sstatement.We reserve the right to obtain payment ekdronicaly for any check or other Ntstnrment that you send to us by Initiating an Adi(electronic)debit In the amount of your check or Instrument to your account.)burdeck orhistnmrent w®not be returned to you by us or your bank)bur bank account maybe debited as early as the same day we moe"your payment.Mw may choose not to have your payment collected electronically by sending your payment(with the remittance coupon),In your own envelope-not the enclosed remittance envelope,ad&essedto.,POBhx630960,Atlanta,6430363-0980andnot the payment address What To Doff)bu Tfdndk)bu Rnd A Mistake On)bur Statement:H you think there is an error on your statement,write to us at:GE honey Bank,RQ Bon 981438,B Pas%?X79998-1438.In your kttergi a us the to0owi g information:.Acoound inlarrnatlon:)bur name andacrount nUMber.Dollaramoum:The dobramoumWthesuspected error.Desodptionofprodem.tyou thinkthereisan e+nxon yourbg describe what you believe iswrongand why yoube6eve it Ise mistake.)bu must contact us within 60daysafterthe error appeared on your statement.You must kkntity us of any potential errors In writhrat Wu may call us,but If you ab we are not required to Investigate any potential errors and you may have to pay the amount in question.While we Investigate whether or not there hasbeen an enol the follows g are true: .We cannot try to cdkct the amount in question ormpat you as delinquent on that amount..The charge In quesbbnmaymmainon yourstaternem and we may continue to charge youintemst on that amount.But,If we determine that we made a mistake you will not have to pay the amount In question or any Interest or other fees related to that amount..WMk you ab not have to pay the amount In questkr,you are responsible for the remainder of your balance..We can applyarryunpaklamow#against youraedlthhnft. Your lights if You Are Dissatisfied With)EwrCredit Gerd Atrchasmil'you are dkSatMied with the goodsorservlces that you have pLm*asedwhhyouraedttcat4andyouhaveUWingoodfbhhtocarmdf eproblemwithttemerdhant,youmayhavethedghtnot to pay the remaNdngammnt due on th a penchase.To use thdsright a0ofthe tollowingmust be true:1)7he pure Kase musthave been made in yourhome state orwithln 100 m&s of yourcnem ma ft adatess,and thepurchase price must have been more than$60. (Note:Neither of these are necessary if your purchase was based on an advertisement we mailed to you,or ffwe own the company that sold yeu the goods or services)2)You must have used youraedd card for the purchase.Purchases made with cash advances from anA7Morw/fha checkthataceessesyouraedit cardaccourddont quaffy.3))bumust hof yet have fully paldforthepurohase. IfaOof the afterfe above are met and you are stip dissatL4kd with the pumhase,contact us In writing at:PQ Box 981438,B Pas%7X 79998-1438.KI&we hkvestlgate,the same ndesappy to the dbputedamoumasdkaussedabove.After we ftrdsh ourNrvest@atlon, we wfite8youourdedskxL&thatpdnt,ifwethhdkyouowe anamoumtandyouebnotpay wemaympot youasdWbxpierd. Information About Payments:Nur may pay more than the Total Minimum Payment at anytime.P9ymentskecelmd after5A0 PM (E7)onanydaywlffbe aecUtedasofthenehd day.Qedit toyouraccamt maybedelayedupto&edaysHpayment(a)Isnot recefvedat thepaymentadd ess,(b)Isnot made in US do&rsuiawnon a US flnanfalirstitutionkrcatedin the U.S,(c)lsnotaecanpaniedby the remittance tarpon attached to yourstaterrent,&0 cantahnsmare than one payment or remittance coupon,(e)isnot recelvedin the remittance envelope prwlded Orly)Includes staples,paper dips,tape a folded deck orcorm*a fenceof arty type.Gond tions paVMW All written communications eoneenting disputed amounts,Indu hg any check or other payment Instrument that:(iJ Indicates that the payment eorafR4nes'paymem Inhdl"orlstendemdas fu8satisfadion ofa disputed amount,orel)is tendered with odwcorhditbmor8mftatkm('DispWedPaymemsl�ffmgbemaAledordgkoeredtousatPQ Box981438,BPasq 7X79998.1438. Credits to Your Account:An amount shown with a CR nerd to the amount is a aedit or ae&balance unless otherwise hdffcated Omtsw/ffbeapp&dtoyarprev*xzbalancehnmedlateyugonmoeipt,but wNnot satfsfyanry required payment that maybe due. Telephone Monitoring:Forquaffty contmlpkeparses,you permit us to ILsten to orrecard telephone calk between you and us Credit PeportsandAccatnt information:Hyoube&we that wemayhavenepatedhnaecratehAormatonabout youtoa constmker- reportingagency,pleasecontact usatPO.Bnx981439,BFas%7X79998-1439.Indohhgso pleaselden*theinaccxurateInformation andte8uswhy yoube&ve ttlsbhoorrect.Ityouhavea copy ofteaedlt report thatindudesthhehiacwmtefnformatWk pkaseinclude a copy of khat report.We may report h*nmtion about youraarourd fo audit bureaus Late payments,missed payments,or other defaullson yokracmuntmaybe retieded in youraedd report. Variable We Informatlon:lfany of yourAPRsam variable,that AFRwIff very with the market based on the Prime hate. How Long WlllthheAe altyFate4py7lfyourAHftarelnereasedbecauseyoumadealatepayment,thePenallyAPRwillappyuntff youmakesbreosectrtkemhdmwn paymentswhhendue. How We Cakxdatefnterest:Nkusea megWca&dWailybalance':Dudngbiliingcydesinwhkih/memmisdargeg foreachbalance type on your account we flgue the hdered charge on your account by appyhg the pedcaAc rate to the'tialy balance"of your accord for each day Inthe Wing cycle.A separate daffy balance wlff be calculated for the following balance types,as applicable., pwdhasM balance tmn sW4 cash advances and other balances that are subJect to riff harem hdemst rates,plans orspeclal promotions Rrst,we detennfre the'dalybaknce.Todetemdrre tie daffybalance,we take thebeghm/ngbalance each day,addany new larges and lees posted that day,and subtrect any payments and credits posted that day.This gives us the daffy balance. Second,we calculate the amount ofintemst charged.To do this,we muftlply the applicable daffy rate by each daly balance on your account. we add the interest amount to the daffy balance,and the sum w/8become the beginning balance for the to lowingday. )burhdeneadaigeforthebMngcydelsthesumofthebdwestamo untsfhatwenechargedeadhdaydwfngtheb<8tngcydeforeach balance type.Wecharge a minmkan of$2ofhderestin any bMngcycle in whish youowehtterest. Paying interest:HwrdW date Is at least 23 daysafterthe close efeadnbl8ingcycle.We wiftnd targe youarry interest onpurdhases ffyou pay yourentebaleneeby the due date each month We wAl begin uharginglnteneston cash advancesandbaknce transfers,H applicable,on the tra n sa ction dete. Bankruptcy Notice.If you hie banbuptcy you must send us notice,Indudirg account number and all Information related to the proceecMV to the foMw&V address:GEMoney Bank Attn:Bankuptcy Dept,P.Q Box 103108,RDnveq 6430078. Yom account Is ownedandservleedbyGEMoneyBank. For complete terms and conditions ofyouraccount,eahsutyourOe& CantAgmement. Hearingimpaired.7DDrserscaff 1.877.448.8512 ousem2-8-0012VIO Use of InWmatton About)Ob wandYom Accwrit:Cur Aft cy PbAty desalbesour collect ton anddisdosure WMformation aboutyou and your Account.If you would Me another copy of the Pfvacy Polky,please call us at the customer service telephone number hn tedonthefromofUdsstatement. This Is an attempt to collect a debt and any hdonnadon obtained wffl be used for that purpose. By providing a telephone n mber onmy account,I consent to GEMoney Bank and any other owner or s oker of my account oahtaWngmeaboutmyauxount,IndudFngusbganycontad/nfamationorcell phone nanbersiprovide,andleonsem to the use of myautomatict r&a8ngsystemaniroranartlhcklorrereeardedvokewhencontadMgme,evenhflamchaigedlorthecall undermyphoneplan. For charges of address,phone number and/or emaff,please deck the box and prhrt the ranges below or visit us arrrne at www.ge heyoom. Name AAftms S, ZO Fhom# lSmap ra�,.aoe+r ed„aan,�e onynorovme.r>'ace eMr,auex .em�wmrreyov BYPRO 1DMG XXMBWLADDRB%)OUAL7W 7V R9MWBNNL OMHNUN OW0NABOfff M RACO()ENTANDALSD G f E Fe wmaNfakRUsToFROW E1WRBNAILADDIESSTO7HED69Bi'MBad A%T FRl7Ni3HYliEMLBtAOCIiNGWURCOID ,Cardholder.Name: MICHELLE NEWBOLD Account Number: 3574 Statement Closing Date:09/21/2012 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 11/23/2012 26.99% $0.00 $0.00 Cardholder News&Information 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 parry such as a spouse about your account,please send written authorization to the General Inquiries address. 5302 DFH 1 3 21 120921 Z D PAGE 2 of 3 9072 3000 X837 OIE05302 5302 DFH 1 3 21 120921 Z D PAGE 3 of 3 9072 3000 XB37 O1E,75302 CARECREIAT/GECRB Cardholder Name: "'^"^"' OLD GE Mone Account Number: 674 y Statement Closing L.— Summary of Account Activity Payment Information Previous Balance $0.00 New Balance $287.00- + New Purchases $0.00 Total Minimum Payment Due $0.00 Payments $287.00 Payment Due Date 11/16/2012 +/- Credits,Fees 8 Adjustments(net) $0.00 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 $287.00- reverse side. Credit Limit $2,000.00 Available Credit $0.00 Late Payment Warning:If we do not receive your Total Minimum Payment Due by the Payment Due Date listed above, Days in Billing Period 9 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. Transaction Summary Tran Date Post Date Reference Number Description Amount 10/27/2012 10/27/2012 P907200MY01NH78TZ PAYMENT-THANK YOU $287.00 CR FEES TOTAL FEES FOR THIS PERIOD $0.00 INTEREST CHARGED 11102/2012 11/02/2012 INTEREST CHARGE ON PURCHASES $0.00 TOTAL INTEREST FOR THIS PERIOD $0.00 2012 Totals Year-to-Date Total Fees Charged in 2012 $330.00 Total Interest Charged In 2012 $73.80 Total Interest Paid in 2012 $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 Cardholder News&Information 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. NOTICE: See reverse side and additional pages(if any)for important information concerning your account. 5302 DFH 1 3 21 121102 2 N PAGE 1 of 1 9072 3000 XB37 Ol EJ5302 Pay online at gobs apilal.com or endose this coupon with your check.Please use blue or black ink. — Total MinimumPayment Due Date New Balance Account Number Payment Due $0.00 11/1612012 $287.00- -. 3574 Payment Enclosed: W ❑❑❑❑❑. ❑❑ New address or a-mall? Please do not pay,as of this statement date your account has a credit balance. ❑ Check the box at left and print changes on back MICHELLE NEWBOLD 1543 NEWVILLE RD CARLISLE PA 17015-9489 Make Payment to: GE CAPITAL RETAIL BANK PO BOX 960061 ORLANDO,FL 32896-0061 Qstomer 5eivloerQuesbns:ror account bdomtatbts please call the td/bee number on the from of this staremem.Unless name is listed on ids statement,your access to bdatnathn an the account may be Imdted lou may also mall questAons(but� payrnems)to:P.Q Ebx981127,BFAs%7X79998-1127.Reasebhcude youraccournnumberonanycorrespondance yousendtous i ayments:Stand Payments to the addtss listed on the retnittance coupon PQ-Lbn of this statement or wwwciemoneucom. pay onDne at 0- FAymems.paymentstannotbemadelnpw",matpaymensro:tEMoneyfibnk14OWeldva*rtngsibagLorVwood Notice:Seebelow foryourB7fmg lightsandotherk"Portaminfamatim Telephoningabortb P uttalerfederailaw.TOMBsemveyotrdghtspleasewftetoourBMirgingAdesgdfes�PO&x98 BE PbsgD(7999m88-438. � Purchases;returnsandpaymentsmade)vstpfortobhTmg date may not appearunt8nexi mordh'sstatement.We reserve the right to obtain payment ekcbonkaBy for arty check or other bnsfrumem that you send to us by Initiating an ACH(electronb)debit In the amount of your check obhstrumem ro youraoeourd.Ybumrdheck ofrstnrmerrt wtl rro be retuumed to you by us or your bank xxr bank account maybe debited as darty as the same day we mecelveYor payment.lou may choose not to have your payment collected electronically by sending Your Payment(**h the remittance coupon),In your own em elope-not he enclosedt remittance envelope,addressed to:PDBox630960,Atlanta,6430353-0960andnot thepaymentaddress. What To Do If)ou 7Nnk You Rnd AMistake On Your Statement:ff you think there is an error on your statement,write to usat:GE Money Baur,RQ Box 981438,B PAs%7X799981438.In yaw leriergive us the following Information:.Acoount infpmadon.tldr name andaccouum number.DO&ran?Owd:7be dodaramoum cf 0m a tWeded error.Description o/prohfem:ffyouthfn kthem isan erroron yourbfg desatbe what yoube8eve iswrongandwhy yoube8eve t isa mistalkp-lou must comad us wkhhn 60 daysaRerthe enc appeared on your statement.lou must notify os of any potentlal errors In w i 1bu may callus,but/l you do we ate net mq+Ared to Investigate any potentlal wrosand you may have to pay the amount in question.KI&we Investigate whether ornof there hasbeen an enol the fo8owdng are true: .We cannot try to cdkd the arnont in quesbn otepat you as detnquem on that amount..The charge/nquestbn maymmaln on yourstatemem and we may continue to charge youbKenes on that amount.But,N we determine that we mace a mistake,You wfflnot have to pay the amount In question orany Interest or other fees related to that amount..WMk you do not have to pay the amort In question,you aka m4"mble for the remander ot your balance..We ran appfyan y unpadamount agahWyouraedit ffmk. )bur fights If You Are Dissatisfied With Your Credit CardPtrcases if you are dismt1siled with the goods oramfoes that you have t�Y Yo ��touhave&WIngoodfakhtocareettheprebfemwith the mendmant,youmayhavethedgMtpt topayt 9 Pu+case.Touseudsttght a8olthefdlowingmustbetrue:l)Thepwchasemusthavebeen Yashome state or wkhln 100 mBesofyouramem maltng ad*ess,and thhepur baseprice must have been mare than 860. (Note:Neither ofthese are necessary tyourpurdhase wasbased on an advertisement we mated ro you,oifwe own the company that sold you the goods orseMcas)2)fou must have used youraedit card for the purdwse.Purchasesmade with cash advances from anA7Mowkh a chedkdolaccessesyotnaedr7 cardaccaunt donotquafdy.3)lfwmust notyet havefutypaldiorthhepunchase. tab ofthe aft ch above ate met and you am stGl dksatsikd with the purchase,contact usin wrftbhg at:RQ Box981438 BFbs%7X 799981438.N1hte we i nestigat%thesamenllesappy to the dkputedamwM as discussedabove.AUrwe finish ourhrvestgatloq wewStetyouourdedsbn.At thatpofnt,twetdnkyouowranamonnandycudonotPay wemayn potyouasdeMquent. InformatlonAbort Payments:You may pay more than the Total Min/mum Payment at any time Feymemsmcel edafter6A0 FM (FI)onany daywNbe ae&edasofth enext day.Cle&toyouraecmnt maybeeelayeduptofimdaysdpaymem(a)isnot recehedat thePaymem ad&es,tb)isnct madeln US do8arsdawn ona U.S flnandel/mtitution Ib atedln the U.S,(c)isnotao ompani dby the mmittanoe d remittance coupon attached royourstatement,(d)co tains more than one payment otemtttance coupon.(e)Isnal recehven dithe tope provided o(7)Includes staple;paper ceps,tape,a folded check o mrmspondenoe of arty type,Canditional �Y18gDIS All carmen eommmdcatbrs oorhoendng isputed amounts,/ndumng any check or other payment Instrument indcatesfhatthepaymentcorattures'paymentInfWarls tenaeredasfutsatkfadbnofadlsputedaorolstendereddwith othercondt morkndatons(DispmedPaynwdeImustbematedordelhletedrousatP.Q9ox981438,BPaso,7X799981438. Chedrts to)bur Account:An amount shown with a CRnext to the amount is a credit or aeon balance unless otherwise Indicated Oecttswfflbe apptedtoyourpmvbusbalanceknmediateyuPonrece1pt,but wtlnotsatisfyanyrequbedpaymentthhat may be due. Telephone Monitoring:For quality cmWdpurposes,you permit us to Osten to ortecard telephone calls between you and us Clea tR4)WsandAccouminfdmatlon.ffyoubeffevethatwemayhaverepotedhwcaaateimamationaboutyoutoaconsumer. reportngagency,pbasecohtad usat P.L18ox981439,BPAso,7X79998-1439.In doings%please lowwfy theinaccuratehMamattoh and tetuswhy youbelievelitsbhoormct.ffyouhavea eopyofd*aedltreport that hhdudesthhebhaocuratehdormaton,pfeasebhclude a copy of that report.We may repot hdarmation about your account ro credit bureaus late payments missed payments,or other defautson yourammntmaybemefk odditis yourcreditmeport. Variable Rate Information:ffany dyousAPRsam variable,that AA4wt1 vary with the market based on the Rinne Rate. How LongW711 theAmilylbte*ply9 dyourAgbare kx reasedbecauseYoumadea latepaymern,the FenafyAFRwIDapply untt youmak9sxcan9ecutW mhftwn payrnemswhhenckm How We Calculatelnterest:Muse methodcalled`dal y balance"Durlrgbltingcydesln whkhhnerestisdharged foearhbalance type on your account we tgum the hderest charge an your account by applyhg the pedudk rate to the'daffy balance"ot your account for each day M the bt10g cyte.A separate daily balance w1t be cakwlated for the foilowi g balance type;asap ofkable: purchases,balance transf&4 cash advances and other balances that are subJed to dtletem interest rates,plans or special promotions Rrst,we detemdne the'idallybalance"Todetemdne the datybalanee,we take the beginning balance each day,addany new changes and fees posted that day,and subtract any payments and credits pasted that day.7Ms gives us the dally balance Second we cakwlate the amaumt ofinterest charged To do rids we multiply the appfkable daffy rate by each daffy balanceon your account.77"weaddthe bdarest amound to thheda/ybalance,and theswn wtibecane thebeglmmngbalance horthe fd/owbgday. )burfitere-4 dharge forthe biting cyde is the sant of tithed b#erest amounts tha t were charged each da y drrfrg the bong cyte for each balanaetype.Wechargeambdmunhof$2ofhdenestinanybMVgg delnwMchyouoweintettest. Fbybg inte est:fourdue datelsat least 23daysafferthe coos ofeachbitbecyde.We vwtlnd charge youany hdereston purchases tYouPBYY"ffwWmbalance bythe due dateeachmonth.Wew®begin chargbgimoestoncash advancesandbalan etransian;fl applicable,on the transaction da te. Bankruptcy Notice:H you file bankruptcy you must send usnotice,hhdudug account number and at hdarmation related to theprooeedrngtothefdkxwhgadriess CAJNoneyBank Atm:B r*WcYDept.,RQ i�uf03106,Rowel G430076. YburacooumisownedandswvkedbyGEMoneyBamdc Facomplete terms and dwxWonsofyouraoeoumt,coma yourOwflt CardAg Bement. Hearing Impaired.Wuserscat 1-877-448-8512 on.cm2-e-ov2zra UseoflnfonnationAboutYbuand)burAccoum:OffFh%gkydespfbesoreolkctbnandda*sreoflnfemhatbnabortyou and your Account.t you would Be another copy of the Nhe=cy�r,please call us at the customer service telephone number Indicatedontheh ntofthisstatemem. This is an attempt to toted a debt and any Inform tion obtained wtlbe used for that purpose. By pravlaurg a telephone number account,l consent to GEMoney Bank and any otheroDntacffiVnieowner dr senvker ot m account my�� adafmgsystemanaV raanan�for vokewhe�n��a tnglproW*,andloo ett theme f dhg me,even til am dna For changes of adobes Phone nsnber anNo emag please check the box and pod the changes below or les orrlue at wwwge_ ogML,w n. Abnle stets Ad*m s, zo Fhono# Emaa Num miner hh�s,mmorer arpumo-mnp�ver Bnrmamen AQDM eem,eeromnriycv BYPFCWDWG AS WS9W R)Rt�TOFR041LElOUftBWL�AQDIESS�7 OB F�>1E*LBtA=MNGX XIRC4R2 Syretta Martin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 Kami S. Miller, Esq. PA Bar #78590 Christopher Alan Titus, Esq. PA Bar #315746 Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 = r TELE: 215-564-1567 FAX: 215-564-3818 PORTFOLIO RECOVERY ASSOCIATES LLC c/o Blatt, Hasenmiller, Leibsker & Moore, LLC IN THE COURT OF COMMON PLEAS 1835 Market Street, Suite 501 Philadelphia, PA 19103 CUMBERLAND COUNTY, PA Plaintiff, CIVIL ACTION Vs. MICHELLE NEWBOLD No. 1543 NEWVILLE RD CARLISLE PA 17015 Defendant. PRAECIPE TO ENTER APPEARANCE TO THE PROTHONOTARY: Kindly ENTER my appearance in the above-captioned matter on behalf of PLAINTIFF PORTFOLIO RECOVERY ASSOCIATES LLC. Papers may be served at the address set forth below: Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 Telephone Number: 1-215-564-1567 BLATT, HASENMILLER, LEIBSKER & MOORE, LLC Dated: By' ?�eA 04!6fL Syretta Martin, Esq. PA Bar #309370 Frank Janello, Esq. PA Bar #315643 Beth Arnold Howell, Esq. PA Bar #203606 Kami S. Miller, Esq. PA Bar #78590 Christopher Alan Titus, Esq. PA Bar #315746 Blatt, Hasenmiller, Leibsker & Moore, LLC 1835 Market Street, Suite 501 Philadelphia, PA 19103 TELE: 215-564-1567 FAX: 215-564-3818 PPTXPEAI (07/18/2014) 2854252 Attorneys For Plaintiff 111111111111111111111111 111111111111111111111111111111111111111111111 111111 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY flfD .3O Ai 10:1: CU .1ERLf Pdi.) PENNSYLVANIA Portfolio Recorvery Associates, LLC vs. Michelle Newbold Case Number 2014-7299 SHERIFF'S RETURN OF SERVICE 12/19/2014 07:19 PM - Deputy Jason Kinsler, being duly sworn according to law, served the requested Complaint & Notice by handing a true copy to a person representing themselves to be Howard Newbold, husband, who accepted as "Adult Person in Charge" for Michelle Newbold at 1543 Newville Road, West Pennsboro, Carlisle, PA 17015. JA N KINSLER, DEPUTY SHERIFF COST: $34.78 SO ANSWERS, December 24, 2014 RON R ANDERSON, SHERIFF (c) CountySurte Sherif, Te!ecso`t, Inc.