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Home My WebLink About14-7418 Supreme Coud of Pennsylvania Conr�"tMe'4m n Pleas - Ci4j-,�/ r .,�, For Prothonotary Use Only: TIMESTAMP l �OVet xet Docket No: �, _ild CUMBE , our orf ty The information collected on this form is used solely for court administration purposes. This form does not supplement or replace thefiling and service ofpleadings or other a ers as required hy law or rules o court. S Commencement of Action: IN Complaint ❑ Writ of Summons []Petition E ❑Transfer from Another Jurisdiction ❑Declaration of Taking C Lead Plaintifrs Name: Lead Defendant's Name: T PORTFOLIO RECOVERY ASSOCIATES,LLC ROSE A WILSON I O Are money damages requested? ® Yes ❑ No Dollar Amount Requested: X within arbitration limits N (Check one) outside arbitration limits Is this a Class Action Suit? ❑Yes ® No Is this an MDJAppeal? ❑Yes ®No A Name of Plaintiff/Appellant's Attorney:Robert N.Polas,Jr./Carrie Brown/Mark R Garvey/Gregory J.Babcock ❑ Check here if you haw no attorney(are a Self-Represented[Pro Se]Litigant) Nature of the Case: Place an"X"to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT(do not include Mass Tort) CONTRACT(do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Plaintiff Administrative Agencies ❑ Malicious Prosecution ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection:Credit Card ❑ Board of Elections ❑ Nuisance 0 Debt Collection:Other ❑ Dept.of Transportation ❑ Premises Liability ❑ Statutory Appeal:Other ❑ Product Liability(does not include S mass tort) ❑ Employment Dispute: E ❑ Slander/L.tbeUDefamation Discrimination ❑ Zoning Board C ElOther: ElEmployment Dispute:Other E] Other: T I E] Other: MASS TORT O ❑ Asbestos N ❑ Tobacco ❑ Toxic Tort-DES REAL PROPERTY MISCELLANEOUS ❑ Toxic Tort-Implant ❑ Ejectment ❑ Common Law/Statutory Arbitration B ❑ Toxic Waste ❑ Eminent Domain/Condenmation ❑ Declaratory Judgment ❑ Other: ❑ Ground Rent ❑ Mandamus ❑ Landlord/Tenant Dispute ❑ Non-Domestic Relations ❑ Mortgage Foreclosure:Residential Restraining Order ❑ Mortgage Foreclosure:Commercial ❑ Quo Warranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: 15-18288 Robert N. Polas, Jr., Esquire PA Bar#201259 d=ie 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 -`f' ? �' Pi" 2: 26 Norfolk, VA 23502 r TELE: 1-866-428-8102 `r`j %l} •'i7 C�Qir;: .� r FAX:(757) 518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CML ACTION-LA W PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD L4 ll NORFOLK, VA 23502 No. Plaintiff, V. ROSE A WILSON 20 FORGE RD BOILING SPRINGS PA 17007-9788 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 AWYERIF 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 15-18288 Ck This communication is from a debt collector and is an attempt to collect a debt. Z4-3 So !l Any information obtained will be used for that purpose. Robert N. Polas, Jr., Esquire PA Bar#201259 Carrie Brown, Esquire PA Bar#94055 - Mark R. Garvey, Esquire PA Bar#312686 Gregory J. Babcock, Esquire PA Bar#205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX:(757) 518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERI-k D COUNTY, PA CIVIL ACTION- LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Demandante, No. V. ROSE A WILSON 20 FORGE RD BOILING SPRINGS PA 17007-9788 Demandado. NOTICIA USTED HA SIDO DEMANDADO/ A EN LA CORTE. Si usted desea defender conta ]a 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 IN ABOGADO, VAYA O LAMIv1E POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USED -NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PEUDAN OFRECER SERVICIOS LEGAL A PERSONAS ELGIBLE UN HONORARIO REDUCIDO O GRATIS. Lawyer Referral Service- CUMBERLAND County Bar Association Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 (717) 249-3166 15-18288 Lsta coimiicacion es de un cobrador de deudas y es un intent do cobrar una deuda. Cualquier infromacion 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 Gregory J. Babcock, Esquire PA Bar#205061 Portfolio Recovery Associates, LLC 120 Corporate Blvd Norfolk, VA 23502 TELE: 1-866-428-8102 FAX:(757) 518-0860 Attorneys for Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PA CIVIL ACTION- LAW PORTFOLIO RECOVERY ASSOCIATES, LLC 120 CORPORATE BLVD NORFOLK, VA 23502 Plaintiff, No. V. ROSE A WILSON 20 FORGE RD BOILING SPRINGS PA 17007-9788 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, ROSE A WILSON, is an adult individual with last known address of 20 FORGE RD, BOILING SPRINGS PA 17007-9788. 3. It is averred that Defendant was indebted to HSBC BANKNEVADA, N.A /CAPITAL ONE BANK(USA), N.A./DISCOVER on April 9, 2007 with account number ************7783 (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 connnunication is from a debt collector and is an attenj)t to collect a debt. Antr infnrmafinn nhtariirrl will ho.iiv-d fni-fh;,f III rmoRe 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 October 21, 2011. 8. Plaintiff is the purchaser, assignee and/or successor in interest HSBC BANK NEVADA, N.A. / CAPITAL ONE BANK(USA), N.A./DISCOVER and Plaintiff is now the holder of the Account. A true and correct copy of the Plaintiff s Bill of Sale is attached hereto and collectively marked as Exhibit "A" 9. As of the date within Complaint, the remaining balance due, owing and unpaid on Defendant's Account, as a result of Defendant and/or any authorized user's use of said Account is in the sum of$1,351.55. 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, ROSE A WILSON, in the a of$1,351.55, plus is of this action and any other relief as the Court deems just and reaso Carrie A Brown, Esquire, #94055 Robert N. Polas, Jr., Esquire, #201259 Mark R Garvey, Esquire, #312686 Gregory J. Babcock, Esquire, #205061 Attorneys for Plaintiff 15-18288 This connnunication is fiom a debt collector and is an attempt to collect a debt. An„in-nrma4v%rn txrll hn rrcr>rl fnr flint -rNrrmnQP VERIFICATION The undersigned Custodian of Records for Portfolio Recovery Associates, LLC, David D. Sage 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 belied based upon information provided by the Plaintiff The undersigned understands that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unsworn falsification to authorities. Date: NOV 19 2014 By: David D. Sage Custodian of Records 15-18288 This communication is from a debt collector and is an attempt to collect a debt. 4„,,infnrmafinn nt%fainr-il will ha ncarl fnr that niimnca XHIBIT A This communication is from a debt collector and is an attempt to collect a debt. Anv infnrimtinn nhtninerl will he imed for that numoge_ : .. Exhiliit 1 . .. er 9;.2012. . .. . Forwaid Flow Receivable Sale Agreementdated:Novemb . .BILL SALE';;' :. . .:: . .:: :...:...:.. CosinDatel11/ 92012: : . ..-- Naiol:Associaion CSelrcsrtn-6f OneBank( SA) ase Price '-of: and. other.' valuable.'considexation,::.the;:receipt.of-.whkb..is':hereby- . - . .. .. .. -:acknowledged, hereby sells,, assigns and 'transfers allright;;title: and.interest in.the Accounts 'identified in.the:Sale:Fik eii itled: - - -- -- -- _ _ - (which :. _ . juy be-in:elecironic.form):toPortfolio-Recovery Associates:LLC:("Buy.e.);:without:recourso: :: : . :.or .representation except as: expressly .provided: hereui ar -on::the. terms :and.:sub'ect to: the'. " � . :.: conditions':set:forth m thi A,'grBement as-defined below).:. . : . .: : Ibis* Bill-:of:�S ale-is.delivered.pursuatlt:to,:that:certain Forward-flow;Receivable:Sale. pcgreement,:dated as 6f:11/0912012,:by-and-:bei weeri.Seller-and Buyer f the."Agreement").: :All: -capitalized terms used; but'not defined,:in this Bi11-of Sale;shall haves the:meanings assigned to : such terms IA the Agreement:... :.. ... :- : : : The Cutoff Dati for ttie:Sale. File .was :November 14, 20]2.::Tlie: aggregate Unpaid ... . . : . ....Balance ofthe Accounfs:asof the Cutoff was - . .... : .: ..:: CAP SA);.. . : . :. . rTA AL ASSQCIA►TION e: John H.Maurer.................. .. . . - .�: � .: .Title::Vice,President,�. . 1 . . . . . . . . . . . . . Ex bit-1.to, ForwardIld RgMVAble Site Agreement':dated:llTovenibef'9 .201 :`::,: - :... SALE- BILL 5;�,L� :::::: ::`Capifal ane;National ssocizttiori("Selle?.I in 6o si&i44on;of:a Purchase"lyric and-other.'*valuable ccnsideratzon; ::.the. receipt.':af:.which'; . "acknowledged,';hleretiy"•sells;•:asigti5. slid; transfers: a11 :riglit::.title: std`interest:. '.this :.. . Accounts, -identificd ;: 'in':. ;:the:. ,"Sane::.:File,; :entitled- _ . :._ _. (Wli;ch ma►..be.;its electronic:dorm};to;:l'ortio��o. 'xecove' ;,:AssvciaEes; LLC: t.Buyer.}, .without :recourse :Qr:tepreSentatton':except as..express Y. ;:° :':• p o led herein o :oh:th6-terms,:and-sub}ect tii.the b6ndit ons;"iet for ti in:: ie g eemertt': :•::: ::° :: .:. : .has:defined:below} : :.. 'This BiII of:Sal+s s del vere8.pursuant'to�`that-certain'Forward.Flo�v:"Ft�ceiv�ble:: : . :. Sale.:Areernaent,. dated.'as •of 1h109/2£1:1"2,::Uy°and:;betweezi :Seller::acid",Buyer;::(tlie ` •. ";.:;. capitalized:term"used"'but not defined :inaliis.Bilh of"Sale shall:have:. : . . the:meanie: • asci' ed.to:such:terrris•in the:Agreenient ,: :•: :. . . ' The C- Daft for.tiie Sale File.was'November-.14':1012. `I'hieag�egate:Unpaid': : ':°.. utoff. Balance of the:Acco'unts..as:of the-Cutnff l7ate.was :... :. . .. .:. NATIONAL: I ASSOC ATiON ;J`Yam_ e�.�O�h-n&Maurer.. . Title:-Vice President�•• .. . ' " . :.. . ... . ........... ' :. . ...'. ":. ...... .,� . . TRIC"T. � •ETA �-� `;�''.�'.•.:•: ��:� . `�:'.:::' '''� .:," �:• .�.''. -. • .::. ':::'.: °: :.:.._�': .'� DIRECTMERCHANTS BA ent Account Number 7783 DIRECT REWARDS' April 27, 2012 PLATINUM Page 1 of 3 SUMMARY OF ACCOUNT ACTIVITY PAYMENT INFORMATION Previous Balance $1,320.50 Credit Limit $1,000.00 New Balance $1,355.65 Payments - $0.00 Credit Available $0.00 Minimum Payment Due. $304.00 Other Credits - $0.00 Cash Advance Limit V $500.00 Payment Due Date 06/23/2012 Purchases/Debits + $0.00 Cash Advance Available $0.00 Late Payment Warning:If we do not receive your minimum payment by the Cash Advances + $0.00 Statement Closing Date 05/29/2012 date listed above, you may have to pay a late fee of up to$35 and your APRs Past Due Amount $255.00 Days in Billing Cycle 32 may be increased up to the Penalty APR of 29.99%. Fees Charged + $0.00 Minimum Payment Warning:If you make only the minimum payment each $35.15 h period,you will pay more in interest and it will take you longer to pay Interest Charged + New Balance 81,$35.65 oR your balance.For example: If you make no additional You will pay off the And you will end up charges using this card and balance shown on this paying an estimated each month you pay... statement in about._ total of... Only the minimum payment 8 Years $2783.00 NCash Advance Limit is a portion of Total Credit Limit $58.00 3 Years $2071.00 Savin s=$712.00 If you would like information about credit counseling services,call - .1-866-569-2227. Questions? Payment Address:Payment Center,PO Box 17313,Baltimore,MD 21297-1313 Customer Service: 888333.2201 Billing Inquiries:Cardmember Services,PO Box 5894,Carol Stream,IL 60197-5894 Lost/Stolen Card: 888333.2201 Manage Your account online at www.AccountCentralOntine.com Outside USA Collect: 904-99T-4997 TDD/Hearing Impaired: - 877-902-0967 IMPORTANT INFORMATION YOUR ACCOUNT IS SERIOUSLY PAST DUE.IT IS IMPERATIVE THAT YOU PAY THE AMOUNT DUE TO AVOID FURTHER DAMAGE TO YOUR CREDIT.YOU MAY CONTACT AN ACCOUNT SPECIALISTAT 1-800-435-1415 TO CUSTOMIZE A REPAYMENT PLAN. YOUR ACCOUNT IS CURRENTLY CLOSED. AS A REMINDER,YOU MAY PAY YOUR CREDITCARD BILL ONLINE OR THROUGH OUR AUTOMATED PHONE SYSTEM FOR NO FEE. The HEXAGON DESIGN®(AND VARIATIONS),HSBC®,THE WORLD'S LOCAL BANK®,HOUSEHOLD®(AND DESIGN)and . HOUSEHOLD BANK®tareregistered trademarks of HSBC Holdings plc or HSBC Finance Corporation and are used by Capital One by permission. Capital One is the issuer of this account.It TRANSACTIONS Trans Date Post Date Description of Transaction or Credit Reference Number Amount Fees TOTAL FEES FOR THIS PERIOD $0.00 Interest Charged -- - -_.. ._t-- .72 05/29 0529 Interest Charge on Purchases 818.72 05/29 0529 Interest Charge on Cash Advances $16.43 TOTAL INTEREST FORTHIS PERIOD $35.16 2012 Totals Year to Date Total Fees charged in 2012 $47.20 Total Interest charged in 2012 $135.211 INTEREST CHARGE CALCU LATION Your Annual Percentage Rate(APR)is the annual interest rate on your account. Type of Balance Annual Percentage Rate(APR) Balance Subject to Interest Rate Interest Charge Promotional Balance Purchase 29.99%(v) $712.27 $18.72 N/A Cash Advances 29.99%(v) $625.17 $16.43 N/A (v)=Variable Rate 5994 DOH 1 7 20 120529 0 E X PAGE 1 of 3 10 6050 1000 T283 OICU5994 DETACH AND RETURN BOTTOM PORTION WITH YOUR PAYMENT. SEE REVERSESIDE FOR IMPORTANT INFORMATION ....................................................................... `Your account is over the credit limit. Account Number: M7783 DIRECT REWARDS° Please pay your total due of$404.65,which i New Balance 5.65 PLATINUM i includes your Minimum Payment Due and Minimum Payment Due $304.00 any additional Over the Credit Limit and/or i Payment Due Date 0612312012 i Past Due amounts. i ....................................................................: Include account number on check to HSBC Card Services. Do not send cash.Please send your payment 7 to 10 days prior to the payment due dale to ensure timely delivery. AMOUNTE $El❑❑❑❑❑❑.❑❑ ENCLOSD ROSEA WILSON 964 PO BOX 92 MARYSVILLE PA 17053-0092 PAYMENT CENTER II�IIII�' '��III��"I111111�II�I�IIIItll111rr�11�1111111111111�1r PO BOX 17313 BALTIMORE MD 21297-1313 11111Jill 111111111111111111111 13 New Address or Phone Number?Please check the box and enter your m-information on reverse side 7783 What To Do if You Think You Find a Mistake on Your Statement Calculating the Balance Subject to Interest Rate:For each transaction If you think there is an error on your statement,write to us on a separate category,we add all the Daily Balances for the billing cycle together and sheet of paper at the billing inquiries address listed on the front of this divide the total by the number of days in the billing cycle.This is the Average billing statement. Daily Balance(including new purchases)method: In your letter,give us the following information: Annual Percentage Rate:If your Account has a variable rate,your Annual • Account information:Your name and account number. Percentage Rate may vary. • Dollar amount.The dollar amount of the suspected error. Penalty APR:Your APRs may increase to the Penalty APR if you fail to make • Description of Problem:If you think there is an error on your bill,describe a minimum payment to us when due.If your Account becomes subject to what you believe is wrong and why you believe it is a mistake. the Penalty APR,we will provide advance notice before the new Penalty APR You must contact uswithin 60 days after the error appeared on your statement. goes into effect.If you make the next six consecutive minimum payments You must notify us of any potential errors in writing.You may call us,but if penaonce the Penalty APR goes into effect,your rates will return to the non- yese six Cou do we are not required to investigate any potential errors and you may consecutive miRs nimum(payments,our we may kent.If ep the ou oPenalty APR not make hon your e to pay the amount in question. Account indefinitely. While investigate whether or not there has been anerror,the following Foreign Transaction Fee:A 3%Foreign Transaction Fee will be assessed are true:e: on the U.S.dollar amount on transactions made in a foreign currency. • We cannot try to collect the amount in question,or report you as Card Renewal Annual Fee:An Annual Fee may apply to your Account.If delinquent on that amount. your Annual Fee is billed annually,you can avoid paying the fee if you call and • The charge in question may remain on your statement,and we may close your Account within 30 days of being billed.You may continue to use continue to charge you interest on that amount.But,if we determine your Card during the 30 dayperiod without paying the fee.If your fee is billed that we made a mistake,you will not have to pay the amount in question monthly,when you call and close your Account due to the Annual Fee charge, or any interest or other fees related to that amount. that month's fee will be credited back to your Account. • While you do not have to pay the amount in question,you are responsible About Your Payment:You agree to pay at least the Minimum Payment Due for the remainder of your balance. in time to be credited to your Account as of the Payment Due Date.You may • We can apply any unpaid amount against your credit limit. pay more than the Minimum Payment Due,and you may pay the entire New Your Rights if You Are Dissatisfied With Your Credit Card Purchases Balance at any time. If you are dissatisfied with the goods or services that you have purchased Payments should be mailed with a single coupon to the payment address with your credit card,and you have tried in good faith to correct the problem shown on the front of this billing statement.Payments must be made by a with the merchant,you may have the right not to pay the remaining amount single check or money order payable to U.S.dollars and drawn on a U.S. due on the purchase. Institution.Payments may also be made using our optional payment by phone To use this right,all of the following must be true: or online services using the phone number or Web address listed on the front 1.The purchase must have been made in your home State or within 100 of this billing statement.Payments received on any day at the payment miles of your current mailing address,and the purchase price must have address shown on the front by 5:00 p.m.in the time zone of such payment been more than$50. (Note: Neither of these are necessary if your address will be credited to your Account as of the date of receipt. Payments purchase was based on an advertisement we mailed to you,or if we own submitted by phone or online by 5:00 p.m.Pacific Time will be credited to the company that sold you the goods or services.) your Account as of the date of receipt.All payments received after 5:00 p.m. 2.You must have used your credit card for the purchase.Purchases made of the time zone indicated will be credited the next day.A processing fee may with cash advances from an ATM or with a check that accesses your credit apply to agent assisted phone payments.Crediting payments to your Account card account do not qualify. may be delayed up to five days if the payment is not made as described 3.You must not yet have fully paid for the purchase. above, or, is not mailed to and received at the address provided for If all of the criteria above are met and you are still dissatisfied with the remittance;is not accompanied by the payment coupon;is received In an purchase,contact us in writing at the billing inquiries address on the envelope other than the envelope provided for remittance;is stapled,folded, front of this billing statement. or paper clipped;or includes multiple payment coupons or checks.Requests While we investigate,the same rules apply to the disputed amount as for credit balance refunds should be marled to the inquiry address shown on discussed above.After we finish our investigation,we will tell you our the front of your billing statement. decision.At that point,if we think you owe an amount and you do not pay By sending us a check for payment on your Account,you authorize we may report you as delinquent. us to make a one time electronic funds transfer(EFT)from your bank How to Avoid Paying Interest on Purchases(Grace Periods on Credit account or to process the payment as a check transaction.When we Card Purchases):Periodic Interest Charges begin to accrue on the date of use information from your check to make an EFT,funds may be withdrawn the transaction and continue to accrue until your balance is paid in full.However, from your account as soon as the same day we receive your payment,and if you pay your entire New Balance shown by the Payment Due Date in the you will not receive your check back from your financial institution.If you do previous month,you can pay your current month's New Balance by the Payment not want your checks to be converted to an EFT,please call customer service Due Date without being assessed an Interest Charge on your purchases. at the phone number on the back of your card. Paying Interest on Other Transactions(No Grace Period on other yPayment by Phone:When you use our optional payment by phone service, transactions):There is no Grace Period for other transactions including rank us to initiate an electronic funds transfer from your designated cash advances,balance transfers,and credit card checks.Periodic Interest ank account or to process the payment as a check transaction.You must Charges begin to accrue on the date of the transaction,and continue to authorize the amount and timing of each payment. Please retain this accrue until payment in full is credited to your Account. authorization for your records. How We Calculate Interest Charges:We calculate the periodic Interest , Hearing Impaired:If you are hearing impaired,call Telecommunications Charge on your Account by multiplying the applicable Daily Periodic Rate by Devices for the Deaf(TDD/TTY)at the phone number listed on the front of the Average Daily Balance for each category of transactions shown on your this billing statement. billing statement(e.g.,purchases,balance transfers,cash advances);the Negative Credit Bureau Reporting:We may report information about results are then multiplied by the number of days in the billing cycle.You your Account to credit bureaus.Late payments,missed payments,or other can determine your Daily Periodic Rate by dividing the APR by 365. defaults on your Account may be reflected in your credit report.If any Determining the Daily Balance:We take the beginning balance for each specific information related to your Account, transactions or credit category of transactions each day,add any new transactions,any previous experience with us is inaccurate,you may notify us and request us to correct day's periodic Interest Charges,any assessed fees and charges,and subtract the inaccurate information(after confirmation of the alleged error)reported any payments and/or credits.If your Account is subject to a grace period to any credit reporting agency by writing to us at P.O.Box 5253,Carol during the billing cycle,payments made during that cycle will be subtracted Stream,IL 60197-5253. from all Daily Balances in the current cycle.If a transaction for a returned Debt Collection:We are required by law,if applicable,to notify you that we E or a dispute resolved in our favor posts after the beginning of the are attempting to collect a debt,and any Information obtained will be used billing cycle,the applicable Daily Balance(s)and any related Interest Charge for that purpose. calculations will be adjusted retroactively to include the transaction amount 01 CU5994-4-01/19/11 as of the date of the original transaction. 02010 Card Services Inc. To ensure accuracy, please print neatly using uppercase letters and numbers only! H you've filled in a new address and/or phone number,be sure to check the box on the reverse side of this payment coupon. Change of address form. Street Number(it any) Street Name or the words To Box' Unit or PO❑ Box��Nuum—be'rrII®❑❑❑ ❑�❑❑❑EE❑�m LlrrJT ❑❑ Ctty State Vp ❑❑❑❑❑❑0❑❑❑❑❑❑❑0000❑❑ m 00m0 EmallAddress Home Phare(Primary) Work Phone(Primary) ❑❑❑/0❑❑-❑❑❑❑ 000/001:1-0000 Mobile Plane Work Phone(Secondary) nnn/nnn-nnnn nnTnnn-nnnn DIRECTMERCHANTS BAN ent DIRECT REWARDS' Account Number 7783 April 27, 2012 PLATINUM Page 2 of 3 LOYALTYIREWARDS Point Balance + Points + Bonus/Adjusted - Points = Remaining = Points = Points From Prior Earned This Points This Redeemed Point Expiring Due to Statement Statement Statement This Statement Balance 12/31 Expire 0 0 0 0 0 0 0010000 CUSTOMER NEWS _....... ......._ Online Account Access lets you take control of your Account anytime, anywhere. Registration is easy and secure.Sign up ataccountcentralonline.com 5994 DOH 1 7 20 120529 0 E X PAGE 2 of 3 1 0 8050 1000 T283 01CU5994 WHEN SENDING US YOUR PAYMENT... ALWAYS INCLUDE YOUR ACCOUNT NUMBER ON THE CHECK BE SURE TO SIGN YOUR CHECK REMOVE THE TOP PORTION OF YOUR STATEMENT AND RETURN WITH YOUR PAYMENT IN THE ENVELOPE PROVIDED PAYMENT IS DUE BY THE DATE INDICATED IN THIS STATEMENT DIRECTMERCHANTS BANK Account Statement DIRECT REWARDS' Account Number 6011 3810 0790 7783 v�.ariNuo-t Page 3 of 3 April 27,2012 to May 29,2012 i 5994 DOH 1 7 20 120529 0 E X PAGE 3 of 3 10 6050 1000 T283 OICU5994 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY OFFICE C. -Fr. F',; ��'.RIFF 6111 jt 1, Pt It r.),11',15 ;- 1 ' I Portfolio Recovery Associates, LLC vs. Rose A Wilson Case Number 2014-7418 SHERIFF'S RETURN OF SERVICE 01/05/2015 04:21 PM - Deputy Jamie DiMartile, being duly sworn according to law, served the requested Complaint & Notice by "personally" handing a true copy to a person representing themselves to be the Defendant, to wit: Rose A Wilson at 20 Forge Road, South Middleton, Boiling Springs, PA 17007. SHERIFF COST: $34.90 January 06, 2015 (c) CountySuite She rifif, Teeosoft, Inc. CJS( Q Ca eVlIE DIMARTILE, DEPUTY SO ANSWERS, RONNY R ANDERSON, SHERIFF