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Home My WebLink About05-5481 Andrew], Giorgione, Esq, Brian ], Knipe, Esq, Klett Rooney Lieber & Schorling, P,C, 240 North Third Street, Suite 700 Harrisburg, PA 17101-1503 (717)231-7700 Attorneys for Plaintiff, Timothy A. Clark, MD, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA TIMOTHY A. CLARK, M,D" Plaintiff, v, CIVIL ACTION NO, (')S" - s-lJit (! i l.llT &'l-lj, PALISADES COLLECTION, LLC and TRUELOGIC FINANCIAL CORPORATION, CIVIL TERM Defendants, 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, Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013 Telephone Numbers: (717) 249-3166 1-800-990-9108 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA TIMOTHY A. CLARK, M,D" Plaintiff, v, CNILACTIONNO, D!;- S',/PI (JO'LtT~ CNIL TERM PALISADES COLLECTION, LLC and TRUELOGIC FINANCIAL CORPORATION, Defendants, COMPLAINT Plaintiff, Timothy A. Clark, M,D" by and through his undersigned attorneys, hereby files this Complaint against the defendants, Palisades Collection, LLC and TrueLogic Financial Corporation. Plaintiff avers the following in support of his Complaint: A. Parties 1. PlaintiffTimothy A. Clark, M,D, ("Dr. Clark" or "Plaintiff') is a citizen and resident of Pennsylvania who resides in Cumberland County at 9 Sand Pine Court, Mechanicsburg, Pennsylvania 17050, 2, Defendant Palisades Collection, LLC ("Palisades") is a Delaware limited liability corporation engaged in business for the principal purpose of collecting debts from consumers, including Pennsylvania residents, Palisades' corporate headquarters is located at 210 Sylvan Avenue, Englewood Cliffs, New Jersey 07632, and it operates a call center located at 87 South Commerce Way, Suite 70, Bethlehem, Pennsylvania 18017. 3, Defendant TrueLogic Financial Corporation ("TrueLogic") is a Delaware corporation engaged in business for the principal purpose of collecting debts from consumers, including Pennsylvania residents. TrueLogic's corporate headquarters is located at 10000 East Geddes Avenue, Suite 100, Englewood, Colorado 80112, B. Jurisdiction and Venue 4, The Court has subject matter jurisdiction over this action pursuant to section 813 of the federal Fair Debt Collection Practices Act, 15 U.S,c. S 1692k(d), and section 5 ofthe Pennsylvania Fair Credit Extension Uniformity Act, 73 P ,S, S 2270,5(b). 5, Venue is proper in Cumberland County pursuant to Pa,R.C,P, No, 2179(a), because Defendants regularly conduct business in Cumberland County and because transactions and occurrences out of which Plaintiffs claims arose took place in Cumberland County, C. Facts 6, On or about August 26, 2005, Dr. Clark received an e-mail notification from his credit monitoring service, alerting him to a change to his credit report, The credit report showed that Palisades, through its Bethlehem, Pennsylvania call center, had reported negative credit information indicating that Dr. Clark owes an unidentified outstanding debt of $1,007,00, 7, Knowing that he did not owe the alleged debt, and assuming that Palisades had made a mistake, Dr. Clark promptly attempted to discuss the alleged debt with Palisades and have the negative information removed from his credit report, 8, Dr, Clark initially contacted Palisades on August 29, 2005; to date, however, Palisades has refused to discuss or provide written validation of the alleged debt, advising Dr. Clark that it assigned the alleged debt to Defendant True Logic, and therefore only TrueLogic could discuss it with him or provide written validation, 9, Dr. Clark contacted TrueLogic on August 29, 2005; to date, TrueLogic has similarly refused to provide written validation of the alleged debt, despite several requests, 2 including two made in writing, copies of which are attached hereto as Exhibit A and incorporated herein, TrueLogic has merely stated over the telephone that the alleged debt relates to a 1998 ATT Wireless account. 10, Prior to August 29, 2005, no creditor or debt collector has ever communicated with Dr. Clark regarding the alleged debt, and prior to August 26, 2005, he had never even heard of either Defendant; nevertheless, Palisades placed false negative credit information regarding Dr. Clark on Dr, Clark's credit report. 11. On September 21, 2005, Dr. Clark sent Defendants a letter formally notifying them that he disputes the alleged debt. A copy of the September 21,2005 letter is attached hereto as Exhibit B and incorporated herein, 12, Defendants have refused to provide corrected information to credit reporting agencies, and the false debt continues to appear on Dr. Clark's credit report. 13, Dr. Clark is in the process of purchasing an office building, and he applied for a loan in connection with the purchase, 14, The false negative credit information reported by Palisades has interfered with Dr. Clark's ability to obtain the loan and complete the purchase, delaying the transaction and causing him to incur additional costs, 15, Upon information and belief, at all relevant times, Defendants knew that Dr. Clark has applied for a loan, and they placed the false negative credit information on his credit report and have refused to correct or even validate it in order to pressure Dr. Clark into paying a debt he does not owe so that he can complete the real estate purchase. 3 D. Causes of Action COUNT I - VIOLATIONS OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT 16, Plaintiff incorporates by reference paragraphs 1 through 15 of this Complaint as if fully set forth herein, 17, The federal Pair Debt Collection Practices Act ("FDCPA"), 15 U.S,C. SS 1692a-16920, prohibits a debt collector from harassing, oppressing, or abusing any person in connection with the collection of a debt. 18, Defendants violated the PDCP A by, among other things, communicating credit information regarding Dr. Clark which Defendants knew or should have known to be false, See. e.g., 15 U,S,C, SS 1692d; 1692e(2)(A), (8), 19. Defendants also violated the PDCPA by refusing to provide Dr. Clark with written validation ofthe alleged debt wiiliin five days after their initial communication with Dr. Clark or his attorneys. See 15 U.S,C, S 1692g, WHEREFORE, Plaintiff respectfully requests that this Court enter a judgment in his favor and against Defendants Palisades and TrueLogic, which will fully compensate, punish and deter Defendants' violations of the FDCPA, including the award of: (i) Plaintiffs actual damages, in an amount exceeding $25,000; (ii) the costs of this lawsuit, together with reasonable attorneys' fees as determined by the Court; and (iii) additional damages, to be assessed as the Court deems appropriate, 4 COUNT II - VIOLATIONS OF THE PENNSYL VANIA FAIR CREDIT EXTENSION UNIFORMITY ACT AND THE PENNSYLVANIA UNFAIR TRADE PRACTICES AND CONSUMER PROTECTION LAW 20, Plaintiff incorporates by reference paragraphs 1 through 19 of this Complaint as if fully set forth herein, 21, The Pennsylvania Fair Credit Extension Uniformity Act ("FCEUA"), 73 P,S, SS 2270,1-2270,6, provides that if a debt collector violates any of the provisions ofthe federal FDCP A, the violation shall constitute an unfair or deceptive debt collection act or practice under the FCEUA. 73 P,S, S 2270.4(a), 22, The FCEUA further provides that if a debt collector engages in an unfair or deceptive debt collection act or practice under the FCEUA, it shall also constitute a violation ofthe Pennsylvania Unfair Trade Practices and Consumer Protection Law ("UTPCPL"), 73 P,S, SS 201-1 to 201-9.3, 23, Defendants, by violating the federal FDCPA, have also violated the Pennsylvania FCEUA and the Pennsylvania UTPCPL. WHEREFORE, Plaintiff respectfully requests that this Court enter a judgment in his favor and against Defendants Palisades and TrueLogic, which will fully compensate, punish and deter the Defendants' violations of the FCEUA and the UTPCPL, including the award of: (i) Plaintiffs actual damages, in an amount exceeding $25,000; (ii) treble damages; (iii) the costs of this lawsuit, together with reasonable attorneys' fees as determined by the Court; and (iv) additional damages, to be assessed as the Court deems appropriate, Plaintiff Demands a Trial by Jury 5 Respectfully submitted, KLETT ROONEY LIEBER & SCHORLING A Professional Corporation B P ----- ----- /'" By: 240 North Third Street, Suite 700 Harrisburg, P A 1710 1 Telephone: (717) 231-7700 Facsimile: (717) 231-7712 Attorneys for Plaintiff, Timothy A, Clark, M,D, Dated: October 18, 2005 6 VERIFICATION I, TIMOTHY A. CLARK, M,D., verify that the statements made in the foregoing COMPLAINT are true and correct to the best of my personal knowledge, information and belief. I understand that the statements therein are made subject to the penalties of 18 Pa,C,S, 94904 relating to unsworn falsification to authorities, It>. \_\ ~ i {Ii-' VI KLETI RooNEY LIEBER & SCHORLING A PROFESSIONAL CORPORATION ATTORNEYS AT LAW 240 NORTH THIRD STREET, SUITE 700 HARRISBURG, PENNSYLVANIA 17101.1503 TELEPHONE (717) 231-7700 Brian J. Knipe (717) 231-3832 Facsimile (717) 231-7712 bjludpe@kJettrooney.com September 2, 2005 VIA FACSIMILE NO. (720) 488-4296 Attn: Mark Bertapelle TrueLogic Financial Corporation Denver Technological Center 10000 East Geddes Ave, Suite 100 Englewood, CO 80112 Re: Timothy A, Clark, M,D., Reference No, 1595901 Dear Mark: This firm represents Dr. Clark in connection with the alleged debt referenced above, As you requested, I have enclosed for your records a Power of Attorney executed by my client with respect to any records relating to the alleged debt. As we discussed, please fax me all ofTrueLogic's records regarding Dr. Clark's alleged debt, including but not limited to any documents obtained from Palisades Collections, L.L.C, or ATT Wireless, My fax number is (717) 231.7712, Thank you for your cooperation in this matter. Very truly yours, g~ --:::rz:.. Brian J. Knipe /' For KLETT ROONEY LIEBER & SCHORLING A PROFESSIONAL CORPORA rroN BIK/wl Enclosure cc: Andrew J. Giorgione, Esq, PENNSYLVANIA DELAWARE NEW JERSEY WASHINGTON, D,C, POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that I, Timothy A. Clark, M~D., do hereby name, constitute and appoint Brian J. Knipe, Esq., to be my true and lawful attorney with full power and authority to access any records, and discuss any accounts, [ may have with TrueLogic Financial, including Account Reference No. 1595901, as well as any accmmts I may have with Palisades Collection, L.L.C. or ATT Wireless, I expressly authorize, direct and provide that for each and every pW'pose a photocopy of this Power of Attorney shall be deemed an original thereof aad that every person shall be fully protected acting upon such copy with like effect as if it were the original thereof, IN WITNESS WHEREOF, I have hereunto set my hand and seal this 30th day of August, 2005, v~ COMMONWEAL TIl OF PEN'NSYLV ANlA ) ) ) s,s, COUNTY OF DAUPHIN On this 30th day of August, 2005, before me, the undersigned officer, a Notary Public, personally appeared Timothy A, Clark, M.D" known to me (or satisfactorily proven) to be the pel'son whose name is subscribed to the within Power of Attorney, and acknowledged that he executed the same for the purposes therein contained, IN WITNESS WHEREOF, I have hereunto set my hand and official seal. /) ctfP:# My Commission Expires: 20 Novembe~ 2008 COMMONWEALTH Of PENNSYlV _SaaJ Ct1arles 0, W_, NOlaIy Putlc I.cworP_n To,p.. oa~n C<u>Iy My C<JmrnIOolOn E>plres NO', 20, 2006 MtHnb&l', Pennsylvania AS6<lch.'l.llol'\ 0' Notaries ......-.. ., ~~ '?\~.....~.:./> ~-~.. "\~\ .....( ..#';~ ~~:~ j... ....~ ~ .~ ?;,:~- =1"0~ tn.. .>.. .- ...,,~ ~ ~- ~~ . ~ ..:1;- %~~> 2 KLETI ROONEY LIEBER & SCHORLING A PROFESSIONAL CORPORATION ATTORNEYS AT LAW 240 NORTH THIRD STREET, SUITE 700 HARRISBURG. PENNSYLVANIA 17101-1503 TELEPHONE (717) 231.7700 Brian J. Knipe (717) 231-3832 Facsimile (717) 231-7712 bjknJpe@Jdettrooney.f:om September 7,2005 VIA FACSIMILE NO. (720) 488-4296 Attn: Mark Bertapelle TrueLogic Financial Corporation Denver Technological Center 10000 East Geddes Ave, Suite 100 Englewood, CO 80112 Re: Timothy A, Clark, M,D" Reference No, 1595901 Dear Mark: I an] resending this facsimile, which I previously sent you on Friday, September 2, 2005, This finn represents Dr, Clark in connection with the alleged debt referenced above. As you requested, I have enclosed for your records a Power of Attorney executed by my client with respect to any records relating to the alleged debt. As we discussed, please fax me all of TrueLogic's records regarding Dr, Clark's alleged debt, including but not limited to any documents obtained from Palisades Collections, L,L.C. or ATT Wireless, My fax number is (717) 231-7712, Thank you for your cooperation in this matter, Very truly yours, g~fL Brian J. Knipe ~ For KLETT ROONEY LIEBER & SCHORLING A PROFESSIONAL CORPORATION BJK/w1 Enclosure cc: Andrew J. Giorgione, Esq, PENNSYLVANIA DELAWARE NEW JERSEY WASHINGTON, D,C, POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that I, Timothy A. Clark, M.D., do hereby name, constitute and appoint Brian J, Knipe, Esq., (0 be my true and lawful attorney with full power and authority to access any records, and discuss any accounts, I may havc witn TrueLogic Financial, including Account Reference No. 1595901, as well as f,Ul.Y accounts I may have with Palisades Collection, L.L.c. or ATr Wireless, I expressly authorize, direct and provide that for each and every purpose a photocopy of this Powc.r of Attorney shall be deemed an original thereof and that every persoll shall be fully protected acting upon such copy with like effect as if it were the original thereof. IN WITNESS WHEREOF, I have hereunto set my hand and seal this 30th day of August, 2005, ~ COMMONWEALTH OF PEN'NSYLVAN1A COUNTY OF DAUPHIN ) ) ) 8,8, On th.is 30th day of August, 2005, before me, the Imdersigned officer" a Notary Public, personally appeared Timothy A, Clark, MoO" knOV>'l'l to me (or satisfactorily proven) to be the person whose mune is subscribed to the within Power of Attorney, and acknowledged that he executed the same for the purposes therein contained, TN WITNESS WHEREOF, I have hereunto set my hand and official seal. u~ t1 Notary Pu Ie My Commission Expires: 20 November 2006 -- ~... ~....... ...... .- I ~ "'~ .~S> ~ ,....Ii. "..... .....f. ~"..::,;. ~~:~ ,.. ~ :;:~ -::,:~- ;:";:::.; ~ ~ ~ ';: -:~... ~ .~ = - '.~~ ....~ ~~~~....... ?'i-4~--/ ....-~'-~,_.....'" -~'" COMMONWEALTH OF PENNSYl V _S"'" Cl1ori.. 0, W"I1"'f. NotNy Putlc Lower?1l!llOn Ty,p., Dauphin ~ly My Cocm1Isolon E><llInlO Nov, 20, 200ll M~blH', .Penl'l$yl...arl1a AS$oclB.lIon or NotaJIe8 2 B x~ I ~~\ tt KLETI ROONEY LIEBER & SCHORLING A PROFESSIONAL CORPORATION ATTORNEYS AT LAW fILE COpy 240 NORTH THIRD STREET, SUITE 700 HARRISBURG. PENNSYLVANIA I7101-1S03 TELEPHONE (717) 231.7700 Brian J. Knipe (717) 231-3832 Facsimile (717) 231-7712 bJknlpe@klettrooncy.com September 21, 2005 VIA REGISTERED MAlL Attn: Matt Wahlberg Palisades Collection LLC 87 S, Commerce Way, Suite 70 Bethlehem, PA 18017 Attn: Mark Bertapelle TrueLogic Financial Corporation Denver Technological Center 10000 East Geddes Ave, Suite 100 Englewood, CO 80112 Re: Timothy A. Clark, M.D. Palisades Reference No. 1951510 TrueLogic Reference No. 1595901 NOTICE OF DISPUTE Gentlemen: This firm represents Dr, Timothy A, Clark in connection with an alleged debt which Palisades and TrueLogic have attempted to collect. I have enclosed a copy of Dr, Clark's signed Power of Attorney authorizing me to address this matter with you, Dr. Clark first learned of Palisades' and TrueLogic's efforts to collect an unidentified debt from him on August 26, 2005, while reviewing his credit report, He has never received any communication from Palisades or TrueLogic. On August 30,2005, I called Palisades and TrueLogic on Dr. Clark's behalf. Palisades refused to provide any information regarding the alleged debt and instead referred me to TrueLogic. TrueLogic advised me that the alleged debt arises from a 1998 ATT Wireless bill in the anlount of$1,007, Despite my several requests for written vaJidation of the alleged debt (authorized by the signed Power of Attorney which I furnished to TrueLogic twice), TrueLogic has refused to provide any written record, This is to notify Palisades and TrueLogic that Dr. Clark disputes the alleged A IT Wireless debt. You are to stop all debt collection action immediately and notify all credit reporting agencies of this dispute, In addition, we are commencing a legal action against both PENNSYLVANIA DELAWARE NEW JERSEY WASHINGTON, D,C, KLETI RoONEY LIEBER & SCHORLING Palisades Collection LLC TrneLogic Financial Corporation September 21,2005 Page 2 Palisades and TrueLogic for violations of federal and state law, including the communication of false credit information and the failure to provide debt validation, Very truly yours, 6~gr For KLETT ROONEY LIEBER & SCHORLING A PROFESSIONAL CORPORA nON BJK/wl Enclosure cc: Andrew J, Giorgione, Esq, Equifax Credit Information Services, Inc, Experian TransUnion Consumer Solutions POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that I, Timothy A. Clark, M.D., do hereby name, constitute and appoint Brian J, Knipe, Esq.. to be my true and lawful attorney with full power and authority to access any records, and discuss any accounts, ( may have with TrueLogic Financial, including Account Reference No. 1595901, as well as any accounts] may have with Palisades Collection, L,L.C. or ATI Wireless, I expressly authorize, direct and provide that for each and every purpose a photocopy of this Power of Attorney shall be deemed an original thefeofand that every person shall be fully protected acting upon such copy with like effect as ifit were the original thereof. IN WITNESS WHEREOF, J have hereunto set my hand and seal this 30th day of August, 2005, {;~ COMMONWEAL n-I OF PEN'NSYLV AN1A COUNTY OF DAUPI-IlN ) ) ) S,$, On this 30th day of August, 2005, before me, the lmdersigned officer, a Notary Public, personally appeared Timothy A, Clark, M.D" knV"''TI to me (or satisfactorily proven) to be the person whose name is subscribed to the within Power of Attorney, and acknowledged that he executed the same for the purposes therein contained. TN WITNESS WHEREOF, I have hereunto sel my hand and official seal. ufkll ~ Notary Pu Ie My Commigsion Expires: 20 November 2008 ~~..~ .- .<It' ~__._.. ' ~ 10...... '?ll:.r-_a_~ ....' ~ ...... 4-,...\. ~/. .......~ -g~-:~ J.....~ -:~ 7...-:~_ ~ .._~ ft\. .-.. :::~~ >-... -'=.. -:..-~ ", ...... =~ . ~-t/. _ . ....;';.~ : ~~.~i<\~-'. ':~.'~~:/ -::..ii_~~ COMNIONW1'./o,L TI1 OF PENNSYL V _ s... CNirt.. 0, W_, Notary Putllc Lower Pa,,"m T"?.. Dauphin Canty My 0:lm1T1Is0J0n E>pin>s Nov, 20, 200e MQf1lbfl-f, Pennsylvania AS$ocillUon Of N(ltarles 2 .. C<>mpIeIe liems " 2, and 3. Also comple1e "em 4/1 Restricted DellvelY Is desired, . Print your nsme and address on the rsvel$8 so thst we can return the card to you. , . Attach this caid to the back of the mallplece, or on the front /I space perinlts, I. ArtlcleAddressedto: dol ry IIddroeo dille_from 110m I? , ....r delivery oddroeo belciw: Matt Wahlberg Palisades Collection LLC 87 S. Commerce Way, Suite 70 Bethlehem, PA 18017 3/ service l\'pe \llI' CeI1ifled Moll 0 exp....1oIoI1 o Reglslorod 0 R.turn Rocoipt,for Mord1and;so Dll18Ilrod Moll tJ 0,0.0. 4, Restricted Delivory? (S<tra Foe) 0 Ve. 2. ArtIcle Nl,lmber (rransfer from service label) , PS Form 3811, August 2001 91 7108 2133 3930 4068 0534 Domestio Retum Receipt 2ACPRf-OO-F-.1Q38 , Ii" '~):riplilte 1tomll'lo;~ dt]d,.SiAISO complete 118m ~ II Restrlctad Delfvety IS desired. f . Print your name and address on the reverse I so thitt we can return the card to you, , . Attseh--tl\ls card to the back 01 the maUplece, , or on t~li lront if space permits. i t. ArtlcIeAdQrnsedto: o Agent 0_. O. O...,ofDol!Y8ry D.l8deJIVelySddlesscr""'rontfromlleml? DVes ~ YES. enter delivery address below; [] No Mark Ilertapelle TrueLogic Financial Corporation Denver Technological Center 10000 East Geddes Ave, Ste 100 Englewood, CO 80112 ) \ .t 3'~~MoIl o ElqJressMeJl S;;Jstered 0 Retum Receipt for Merchandise o Insured Mall 0 0.0:0, 4, Restrlotecl D<il/velj'? (S<tra Fee) ,0 Ves 2. ArticIe,Number (Transfer from service label) PS Form 3811, August 2001 91 7108 2133 3930 4068 0527 DomMtlc Return Rece!pte 2ACPRI..oa.F.-1838 (:) ~ 70 7li U'I ~ :q::.. . tn -- IF\. Cv 4 ~ rP 8 C> r- ~ ~ n "~ ~ '.~ ~ r---~- ~ ,,~. 'T~ ,.. - :....,.i C--' ," (,-j ( .J :':';,: t..~ '. . Eugcne A, Luciw, Esquire Attorney 10 No, 38969 Hecker Brown Sherry and Johnson, LLP Suite 500, The Professional Bldg, 65 East Elizabeth Ave, Bethlehem, PA 18018 Tel: (610) 868-1400 IN TI-IE COURT OF COMMON PLEAS OF CUMBERLAND COUNTV, PENNSYL VANIA CIVIL DIVISION - LAW Attomeys for Defendant, TrucLogic Financial Corporation T1i\IOTHY A, CLARK, M,D., S S Plaintiff S , VS. S S Pc\L1SADES COLLECTION, LLC and S TlWELOGIC FINANCIAL CORPORATION, S S ])l'fClldants & DOCKET NO, 05-5481 CIVIL ACTION CIVIL TERM DEFENDANT. TRUELOGIC FINANCIAL CORPORATION'S, PRAECIPE FOR NOTICE OF REMOVAL TO TilE PROTHONOTARY OF CUMBERLAND COUNTY: Defendant, TrucLogic Financial Corporation, files this Noticc of Removal with this Court as follows: 1. Pursuant to 28 U,S,c. 91446(d), notice is hereby given of the rcmoval of thc abovc- c~iplioncd action li'om this court to the United States District Court for the Middle Di,;trict of 17JJ(,7-1 HECKER BROWN SHERRY AND JOHNSON LLP . SUITE 500 . THE PROFESSIONAL BUILDING. 65 E. ELIZABETH AVENUE. BETHLEHEM, PA 18018-6506 , . Pennsylvania, A copy of the Notice of RCllloval filed in the Unltcd States District Court is i attached hereto as Exhibit "A," Respectfully submitted, HECKER, BROWN, SHERRY AND JOHNSON, LLP ~-~~- Eugene Luci\ squirc Suitc 500, T e Profcssional Building 65 East Elizabeth A venuc Bethlehem, PA 18018 6 I 0-868-1400 Identification No, 38969 ATTORNEVS FOR DEFENDANT, TRUE LOGIC FINANCIAL CORPORATION OF COUNSEL: David ,J, Booth, Esquire DAW & RAY, P.e. Hibernia Bank Plaza 5718 Wcsthcimer, Suite 1750 Houston, Texas 77057 Telcphone: 713/266-312 ] Facsimile: 713/266-3188 2 HECKER BROWN SHERRY AND JOHNSON LLP . SUITE 500 . THE PROFESSIONAL BUILDING. 65 E. ELIZABETH AVENUE. BETHLEHEM, PA 18018-6506 , , CERTIFICATE OF S\<:RV\CE I, Eugene A. Luciw, Esquire, hereby certify that on Novcmbcr I G, 2005, I scrvcd a true and correct copy of Dcfcndant, TrueLogic Financial Corporation's, Praecipe for Notice ofRellloval, via United Statcs first mail, postage prepaid, on the following: Brian J, Knipe, Esquire KLETT, ROONEY, LIEBER & SCHORLlNG' 17 North Second Street 15th Floor Harrisburg, P A ] 71 0 I Attomeys for Plaintiff, Timothy A. Clark, M.D. PALISADES COLLECTION, LLC 210 Sylvan Avenue Englewood Cliffs, NJ 07632 pro se PALISADES COLLECTION, LLC 87 South COlllmerce Way, Suite 70 Bethlehem, P A 18017 pro se Respectfully Submitted, HECKER BROWN SHERRY AND JOHNSON LLP Date: IlliG/OS By: ~ 17JJh7-1 HECKER BROWN SHERRY AND JOHNSON LLP . SUITE 500 . THE PROFESSIONAL BUILDING. 65 E_ ELIZABETH AVENUE. 13ETHLEHEM, PA 1 $018-6506 - (' (~\)l\ I! ~_/ I. (a) PLAINTIFFS Timothy A. Clark, 9 Sand Pine Court Mechanicsburg, PA 17050 (b) CountyofRcsidcl1ceofFirslListcd Plaintiff rnmhprl.::lnn rn (EXCEPT IN US PLAINTIFF CASES) Penna. M.D. DEFENDANTS LLC an . "~JS 44 (Rev_ t [/(4) CIVIL COVER SHEET The JS 44 civil ~o\(:r sh.c:.:t.an.d the inltHt\1Jlion conlJincu. herein I.H:itlJcr replan' ,11 or su);pIcl1lcnI the liling and service orplc:H.lin~s or GIlle,I' pap~rs as r~q~ljrcd ~)y law, excepl as, pro,vit.lcd by local rules ot coul"!. J Ills lonn, appro\'cu by IheJuuI(I:l1 Con!crcllcc oltlw l:nllcd SUIt's III September I ~74, IS n:qulfcd lor till: lIse 01 the Clctk 01 ( ourt lor the plllpOSC Ollllltl:J.tlllg the civil docket sheet. (SEE INSTRUCTIONS ON THE REVERSE OF THE FOR;.d,) palisades Collection, TrueLogic Financial Corporation **see attached for addresses and County of Residence of First Listed Ddcnd;1Il1 ~nll n t- i p~ (I\' us PLAINTIIT CASES Or-..'LY) NOTE: IN LAND COl<\DEMNATION CASES, USE TIlE LOCATION OF THE LAND INVOLVED. (c) AllOrney's {Firl1\ Name, Addrcss, al\l.lTclcphone Number) Brian J. Knipe, Esquire, 17 North Second 15th Floor Harisbura PA 17101 II. BASIS OF JURISDICTION (PlJceau"X"inOJlc13oxOnly) AltOlneys (If Known) St. 01 U.S. Go\'cmlllcnt Plaintiff Xl 3 FederalQuestillll (u.s. Govclllll1cntNot a Party) **See attached** Ill. CITIZENSHIP OF PRINCIPAL PARTIES(Placc all "X" in One Box forPlJintiff (For Diversily Cases Only) and 0ne 130x for DefendaJlt) PTF DEF PTF DEF' Cililcn of This Slatc 01:J 1 IneorpOlatcJorPrincipJIJ'lace n 4::J--l ofllllsiness In This StJtc 02 u.s. GOVCllllllCll1 DefelldJ'lt 04 Diversity (InJicateCitizcnshipofl'artics in ltcm Ill) C'liz..:nofA'IOlherSI:lte 0 :J 1'lellrpOrJI..:JIlIUIPrincipalPlacc 0 5 0 , ofBusincss !11 AnolhcrStale Citizen or Subjcct ofa 0 3 0 J Foreign Nation 0 6 0 6 Foreic.n Country IV NATllRF OF SUIT (Plncenll"X"inOJle[3oxOnlv) " CO;"TIUCT TORTS FOR FEITURE/I'ENA LTY II'\J\.KI~(IPTCY OTIIER STATlrn:s 0 1l0lnsurance I'EI~SONAL INJURY I'ERSONAL INJURY 0 610 Agriculture o 422 Appca128 USC 158 0 400Statc Reapportionmcnt 0 120 Marine 0 310 Airplaue 0 362 Pcrsona] Injury- 0 620 Othcr Food & Drug o 423 Withdrawal 0 410 Antitrllst 0 130 MillcrAct 0 315 l\irplJIIC Prodllct r>.-lcJ.Malproctice 0 625 DllIg Relaled SciZllre 28USC 157 0 430 Ballh and Danking 0 140Ncgolinhlcl",uul1lcll1 liability 0 365PcrsonaII'\jlll)'- of Properly 21 USC881 0 450Conllllerce 0 ]50 Rccol"eryofO\'cr[1a)'lllcnt 0 320Assauh,Libel& I'rouuClLiability :J 030 Liquor la\V5 I'IH)P~:RTY RIGIITS 0 400 DCllol1ation & Enforccll\cntofJlldgmcnt S I ~1II der 0 368 Asbestos Personal 0 640R.R.& Tmck o 820Copyrigllts 0 470 RackctecrlnnuellcedauJ :0 151 MediCJreAct 0 330 Feucral Employers' Injury Product 0 650 Airline Regs. OSJOPatcnt COffi'ptOrganizations :0 152 Reeol"cryofDcfaulteu Li;lbility Liability 0 6600ecupational o 840 Trademark 0 480 ConslImer Credit StuJel1tLo,Hl> 0 340 Marinc PERSONAL PROPERTY Safety/Health 0 490Cablc/SatTV (Excl. Veteruns) 0 345/1.-IarincProduct 0 370 Other Fraud 0 690 Other 0 810 SeleetiveScrviee 0 153 Re(;O\elyofOverpaym.:I't Liability 0 37] Truth in Lending LAlJOR SOCIAL SECURITY 0 850$eeurities/Comllloditiesl ofVetcrau.sllcnetits 0 350 MotorVehic1e 0 380 Other Personal 0 710 Fair Labor Standards o 861 HIA(1395fi) Exchange 0 160Stoekholdc>rs' Suits 0 355 MotorVchic1c PropcrtyDarnage A" o 862 Black. Lung (923) 0 875CustolllcrChallenge 0 190 OlherConlract ProduetLiability 0 385PropertyOamage 0 720 Labor/Mgllll. Relations 0863 DIWC/DIWW (405(g)) 12USC3410 0 195 COlllraet Product Liability 0 360 Other Personal Product Liabi]ity 0 730 Labor/Mgmt.Reporting o 864 ssm Title XV] ff- ~90 Other Statutory Actions 0 196 Franchisc IniuN & Disc/osure Act o 865 RSI{405{,')) 891 AgriculturalAelS REAL PROPERTY CIVIL RIGI:lTS PRISONER PETITIONS 0 740 Railway Labor Act FEDERAL TAX SUITS 0 892EcollomicStahilizationAet o 2lOLandCondcnlll~tioll 0 441 Voting 0 510 Motions to Vacate 0 790 Other Labor Litigatioll o 870 Taxcs(U.S. Plaintiff' 0 893 Environmental Mallers o 220 Foreclosure 0 442 Employment Sentence 0 791 Empl. Ret. Ille orO~fcndant) 0 894EnergyAllocationAet LJ 230 Rent Lease & Ejectlllcnt 0 443 Housing! lIabeasCorpus: Security Act 0871 IRS-Third Party 0 895 FrccdomoflnfomlJlion ::I 2.10TOlts to Land ACCollUlIodatiolls 0 530 Gelleml 26USC7609 Ac< Cl 245 TOIt Product Liability 0 444 Welfare 0 S350eathPena1ty 0 900AppealofFeeOetemlinatiol1 o 290AllOthcrRealf'ropcrty 0 445 Amer. w/Disllbilities- 0 540 !\-hndamus & Olher UnJer Equal Access Employment 0 550 Civil Rights toJlloticc 0 4.16 Amer. w/Oisabilitie5- 0 555 Prison CO'ldition :J 95UCOllstituliol[alityof Olher StateSlJtutcs 0 440 OIlier Civil Rights V,ORIGIi'; ::J[ Original Procccdil1!< (1'Iaceall"X" in One DoxOn]y) .xiS3 2 Removed from 0 Stale Court CilelneU.S. 3 0 4 0 5 Transfwed from 0 ( Remanded from Reinstated or another district ) Multidislric\ A 11<11e Court Reo ened s ecifv Lili ation Civil St<ltute under whicn you are filing (Do not citejuristlic,lional statutes unless div{'rsity); o 7 ^ppC<ll to District Judge from Magistrate Judgment VI. CAUSE OF ACTION CHECK IF TlllS]S ^ CLASS ACTlOi\ DE.l\lAi\D $2 5 I 000 . 00 UNDER F.R.C.P. 23 rrphlp. n~m;::jgp~. ,..()~t-~ and attorneys' fees DOCKET NUMf3ER 1681 "'t CI-ll~C ~ YES only if demanded in complain!: ,JURY DE.\IA:\'D; .kl Ycs 0 No VII, REQUESTED Ii'; C()~II'LAli';T: \'111, RELATED CASr:(S) IF Ai';Y fSccillstructioIIS): JUDGE DATE 11/16/2005 FOH OFFICE llSE O;\LY RECEIPT /I AMOUr--.:T APPLYING ]FP JUDGE MAG. JUDGE ATTACHMENT TO CIVIL COVER SHEET . DEFENDANTS: TRUELOGIC FINANCIAL CORPORATION Dcnvcr Technological Center 10000 East Geddes Avenuc, Suite 100 Englewood, CO 80112 County.. Arapahoe, Colorado PALISADES COLLECTION, LLC 210 SylvanAvenue Englewood Cliffs, NJ 07632 County - Bergen County, New Jersey or 87 South Commerce Way Suite 70 Bethlehem, PA 18017 County - Northampton, Pennsylvania ATTORNEYS OF RECORD FOR DEFENDANT, TRUELOGIC FINANCIAL CORPORATION: Eugene A. Luciw, Esquire HECKER, BROWN, SHERRY alld JOHNSON Suite 500, The Professional Building 65 East Elizabeth Avenue Bethlehem, PA 18018 phone: (610) 868-1400 David J, Booth, Esquire DAW & RAY, P.c. Hibernia Bank Plaza 5718 Westheimer, Suite 1750 Houston, TX 77057 phone: (713) 266-3121 ]73J72-1 HECKER BROWN SHERRY AND JOHNSON LLP . SUITE 500. THE PROFESSIONAL BUILDING. 65 E ELIZABETH AVENUE. BETHLEHEM, PA 18018-6506 . . Eugene A, Lueiw, Esquirc Attorney lD No, 38969 Hecker Brown Shcrry and Johnson, LLP Suitc 500, The Professional Bldg, i 65 East Elizabeth Ave, Bethlehem, PA 18018 Tel: (610) 868-1400 Attorneys for Defendant, TrucLogic Financial Corporation IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA TIMOTHY A, CLARK, M.D., S S Plaintiff S \!S, S S PALISADES COLLECTION, LLC and S I TRUELOGIC FINANCIAL CORPORATION, S S Defendants & CIVIL ACTION NO. DEFENDANT, TRUELOGIC FINANCIAL CORPORATION'S. NOTICE OF REMOVAL Defendant, TrueLogic Financial Corporation, a Colorado corporation, files tbis Notice of Removal of Civil Action Docket No, 05-5481 styled as Timothv A, Clark. MD, vs, Palisades Collection, LLC and TmeLof!.ic Financial Comoration Court of Common Pleas of the County of Cumberland, to the United States District Court for the Middle District of Pennsylvania as follows: A. Background and Facts I, On October 20,2005, Plaintiff, Timothy A. Clark, M,D, ("Plaintiff'), filed his Complaint against Palisades Collection, LLC ("Defendant Palisades") and TrueLogic Financial COI'[Joration ("Dcfcndant TrucLogic") in the Commonwealth of Pennsylvania, County of Cumberland Court of COllllllon Pleas to Civil Action Docket No, -05-5481, A true and correct copy of Plaintiffs COlllplaint is att;lcbcd hereto as Exhibit "A." Defendant True Logic files its Answer ("Defendant's Answer") I73J62-1 HECKER BROWN SHERRY AND JOHNSON LLP' SUITE 500' THE PROFESSIONAL BUILDING. 65 E- ELIZABETH AVENUE. BETHLEHEM, PA IS018-6!i06 . contcmporaneously with the filing of this Removal. A true and correct copy of Defendant's Answer is attached hcrcto as Exhibit "I3," There are no known other documents that arc part of this Cumberland County Court filing, 2, Defendant TrueLogic was scrved with the Complaint and received its first noticc ofthc suit on October 29,2005, Accordingly, Defendants file this Notice of Removal within the 3D-day time period required by 28 U,S,c. 91446(b), B. Basis for Removal Federal Questiou 3, This cause is removable based on federal question jurisdiction, PlaintitT alleges that Defendants violated a federal statute, the Fair Debt Collection Practices Act, 15 u.s. C. c\\C1681 ("FDCPA"), See Plaintiffs Complaint, paragraphs four (4), seventeen (17) through nineteen (19), and twenty-one (21) through twenty-three (23), Therefore, this Court has jurisdiction pursuant to 28 u,s,c. 9144 I (b), because Plaintiff has asserted claims arising under the laws of the Unitcd States, 4, Venue is proper in this District and Division of the United States District Court for the Middle District of Pennsylvania, under 28 U,S,c. 91441(a), because this Court and Division embrace the place where the removed action has been pending, 5, Defendant TrueLogic will file promptly a copy of this Notice of Removal with the Office of the Commonwealth's County Court of Common Pleas where the action has been pending, 6, Defendant TrueLogic will also properly notify Plaintiff. 7, Defendant Palisades consents to this removal and does not object to same, 2 HECKER BROWN SHERRY AND JOHNSON LLP . SUITE 500 . THE PROFESSIONAL BUILDING. 65 E ELIZABETH AVENUE. BETHLEHEM, PA 1 BOl 8-6506 /{- . WIIERlcFORE, Defendant TrucLogic give notice that Civil Action Docket No, 05- 548 I, in the Commonwealth of Pennsylvania, County of Cumberland Court of Common Pleas, is hereby removed fi'om the state court to the United States District Court for the Middle District of Pennsylvania and Defendant TrueLogic prays for such other and further reliefto which it may show itself justly entitled, Respectfully submitted, HECKER, BROWN, SHERRY AND JOHNSON, LLP Eugene Luci Esquire Suite 500, T e Professional Building 65 East Elizabeth Avenue Bethlehem, PA 18018 610-868-1400 Identification No, 38969 ATTORNEYS FOR DEFENDANT, TRUELOGIC FINANCIAL CORPORATION OF COUNSEL: Davie! J, Booth, Esquire DAlY & RAY, P.c. Hibernia Bank Plaza 5718 Westheimer, Suite 1750 Houston, Texas 77057 Telephone: 713/266-3121 Facsimile: 713/266-3188 3 HECKER BROWN SHERRY AND JOHNSON LLP . SUITE 500. THE PROFESSIONAL BUILDING. 65 E ELIZABETH AVENUE' BETHLEHEM, PA 16018.6506 Datc: Novcmber 16, 2005 By: C. Eugene A uciw, Esquire CERTlFICATI~ OF SERVICE I, Eugcnc A, Luciw, Esquire, hereby certify that on November 16,2005, I scrved a truc and correct copy ofDcfcndant, TrucLogic Financial Corporation's, Notice of RcmovaL via United States first mail, postage prepaid, on the following: Brian], Knipe, Esquire KLETT, ROONEY, LIEBER & SCHORLING 17 North Second Street 15th Floor Harrisburg,PA 17101 Attorneys for Plailltiff, Timothy A. Clark, M.D. PALISADES COLLECTION, LLC 210 Sylvan Avenue Englewood Cliffs, NJ 07632 pro se PALISADES COLLECTION, LLC 87 South Commerce Way, Suite 70 Bethlehem, PA 18017 pro se HECKER BROWN SHERRY AND JOHNSON LLP 4 HECKER BROWN SHERRY AND JOHNSON LLP. SUITE 500. THE PROFESSIONAL BUILDING' 65 E_ ELIZABETH AVENUE. BETHLEHEM, PA 18018-6506 ---- ~ XVI\ ~\\ A H/09/2005 . -..~')': :!"'::".-:-'.~' "'{ . p, , ,''lfJ' . \:;;' 11:21 FAX 71326631~~ , '--'f , --...".r- , ' '~l, Gi<>:.-. Eiq, Brion L Kni!oc. 1'..." KW~' Li.:=h:t &. &hCdI~ PL. ;2..1) iX"('If"l,'1 Third Sm"C"l :wire 1(."1() H~~i-rA l-i':J!-'5\;~ (:l;-\~'l.'1";(.oO Anomt]o"" fur rbimiif. T rmoW)" ).. ClGJk. M.D. )' -, ~~ ,,~ -.. ,-, ~ ~:-.-, - , t.: , _.n . " , . , ~ IN THE COURT OF COJ\lMO!\' PLEAS OF Cll)lBERI,AND COUl\TY, l'El\'NSYLV ANIA 1nI0TIlY ,.\, CLARK. /<I,D.. Phrimin: \, Cl\'lt ACnON KO, D~tl e;~;,['ta"( Cl\ 11. TERM I'ALl$?I>ES COLLECHOl\. L 1.(' on<! TRUELOOIC r!NA~CIAL COll.PORATIO:o1. D~ti..'7Jdaul~. 1'101'10: TO DEFEND 'YOU nAVE BEEN SUED IN COllRT. lfyouwublOdOfrod"l,;aios'lhecloims"-,, lonh in ,h< r"uo,,;"ll p'~es. y"u n>U$l tol-e action ",'jthin '''''''''y (20) days :1/i.cr thi. compl>in1 ouu.I nOlicc nee ~'1:d. by cnlcrin: c. '\\-'linen appearance personally or by anomay and mins in writing'" i1h t1\.e C'ourt your dcfcn$e.5 or objeetions: to: the cIaims set fonh asainsl'you. You ate w"'l'ed lhill if you ",-il,., M 50 lh<: case ","}' proce<:d "<itll<lUI you and a judgment nut}' be eOlored again![ YuU by th~ ct\Ul1 wiilioUl funhcr nonce fur anymone)' claimed in the compl"inc or CoT ~. (llherdaim Or rC!j,:fTotquesl~ by the plain1i([ Youma!' 1()S~moncyorptoperty ~rolher rights impon:ant to YOfL YOl' SHOULD 'L'\KI,; TillS PAPER TO YOUR L-\.WYER AI QN(:E. IF YO!'; no NOT HA VF. .... LAWVER. GO TO OR TELEPHONE THE OFFICE SET FURTH BeLOW, THlS OFFICE C.o\N PRO"lDE \'OlJ WITH INFORMA nON ABOI..rr HlRL''O A LAWYER, JJ' YOOC.-\.NNOT AffORD TO HiRE A L".WYER.. THiS OFrlC1l 1.1.'\\' BE ABlE TO PROVIDE YOI;WITfl L'{FORMATION ABOUT AGE1'aES THAT MAY OFFER Lf.GAL SERVICES'TO ELIGIBLE I'ERSOl'S ...T A REDUCED FEE OR NO FE,E. Cumberland C('lun[~' BM" AS5OCI:aticn 32 Sooth Bcdiord St""" Carlisl.. PA 17013 Telephone Numb""" (717) 249-3166 1-800.990.9103 ~vv, 33/--tf ,11/09/2005 11:21 FA"\. iJ.HbbJ100 ~, '"~' ... "'-./.. ~' .. rN mE COURT OF cml:\lON PI..EAS OF Cl:1\1BERLAND COUNT'\:', PEN~SYLV,U\"lA Tl\lOTHY A CL\RK, M.D,. I'lnimitf. " CIVIL ACTION NO. PALlSADESCOLl.ECTlON. LLC ."d TRUElOGIC FlNANO,\L CORPORATIO:--l. CIVil TERM Def"",",,,ls. COMPLAI"T PloiulitT. Timothy A. CJ.rl;, M.D.. by ond through his "mkrsiJlll<d mom",... hereby.lilc:s this Complain' >g.>iJlSllhe dof<:ndanls. Pali,.des con.....tion. LLC an.-! Tmel.ogie Fin'IIei.! CQlpOr>tiou. Plairuiffa"ers the fOllowing in support othis Complain" ,\. ~ L PlainlilTTImOlhy A. ClaIk.. M,O. ("Dr. Clarle or .Plaintifr-J ;. ..itizen and rc:si1k,11 of hunsyl,,,,,ia ..ho resides in Combaiand CounlY at 9 S3Ild Pine Coun. Mechonic:sburg, PClIm)'IV3lIia 17051), 2, Defend",t Pw.dcs Collection. LLC i..PoliSld....) is a Del.",.,.. limil<:d llabilil)' C<lrporation ""go:<d in hosir..,;,; fot ,h. priDcipal ",,'!"'So cfcolJecting debtS from consumers, inclGding, f'('nrt.S)h'ania r~identS_ PalisadC'S' C(l1'p(\I'3tc bc.1dquancrs is localtcf at 2lCJ Syh-an ^\."co'Ul:f ~-ood Cliff's, New J.ers:ey 07632. and ir operates 3 call ccm:a JOCOltcd 3.t S7 South C<lmmen:e \Va)', Suil.1Q B.oth!.hem. P<1lllSylv2l\ia ISOl7, 3. Dcl'~" Tl1leLv~c Finmciol CorpOrtnion ("1'nteLo,pc"j is 3 Del.",.... corporauOll Ollg'gcd in bIlsiness for Ihe prindpol PUI']Xl'. of eolleeli"ll d<b!$ froD' COnsumers. ,~ vV<J. 1~/09/2005 11:~1 tAA 11J~titiJl"" -" ~V'7::-* -..../" ~ . including PenllS}1,..,,;a rosidenls. Truel.osie's eorpor:n.e headqu= i. !oCaiN '1 1 ??oo Ei151 Gt:ddC:5 Anro.ue.. Suit!:' 100. Englct\"oL)J. Colorado $0112. B. .Iurisdicriou #rId \'C'DUl" 4, TI... Court 1,.... S1Ibjt<:1 m.ller jumdicrioll O\'~ rbis :!Clion put>u= to ~on SI3 otthc t~der..u Fair DGtat CoTIection PcacuccsAli:l, 15 lJ.S.C ~ 16~k(d).and s.l,."I:!.ion 5 oCtIle P(,lU1s}1\~ia F~r CI\,'"dit eXlension Unitonnity Act. 13 P.S_ * 22i05{b). 5. Vanlt: is. proper i.n C'UITlbabnd Courll.Y pursLlmn tl..... P:I.R.C. P. N'o. 2179t a't. because Defendants l'Cgut3I'Jy ronduCI bU$in~ in C'umbalmd COWll)" 3nd bcc.'Wi;C' trlol:l'l~c{ion;; and Or;:C'Jn'ence$ OUl OC",'hICb PJci11lifCl:i. claims ....rose ((lok place in Cllmber1imd (. 'oU~LY. C. FRets o. 011 or ttbou.t ."Llgust. 26, 200)~ Dr. Cl3d;, received an t-nwil nOfific,luion frem his t:rl.>dit numitorin~ 5CJ"l.1C~ a1etting him \Q a. ch~~ to his aedit fqtOrt. Thccrooil rqxm showod th<1l P:>.li..aes. throuzb hs B<thld1<m. PenllS}"h'.niacan eenler. bod ro:pont:d ""~3tiq, aeJ.it infonnauon indicating tb:lI Dr. Cbrk C'\'~!).an. unidentified outSt::Q1ding dl:bt of S 1.007 .OU. 7. Knowing thai be did 1Wt owe the .Reg:<J deb!. and ossuming <h.t Palisade; had m.de 3 mi"""e. Dr, O.arl< prompUl' ."erllpted 10 di= the alleged d.b' with Palisades <md Itl\."e Ihen~galh.e infom1atioo. r(mO'\'~ from his a'Cdi! report. g, Dr. Clark initially COlll.",:<J P.liS<!lk. on Au!!"" 29. 2(11);: ", dale. hO\\'C\,<<, PaJi:iladcs bas refused to djscu~ or pro\-idc written '\--:1idauon "fthe alleged dWt. w;sing Dr. l.1arl.: ,ln1.1 it D>$ign<d lb" all,,~..d debt '" Defmdallt Trncl<>~.;". ond !herdor.ouly TmcT..o~c could discass it with him or provide ....-rifteD \.':t.lid;!li"n. 9. Dc. Clarkromacted truetotic on AlIi-oust:9. 2005: to c!3tC, Truelogic h.3~ simi1:lr1l' re!U$<rl \Q Pl<',;(\e ",'rillen \'2lid'li'>n oflhe .11'"1:0>.1 Llebl,dcspitc.c"<rall\.'<lO''SlS, 2 11/09/2005 11: 21 FAX il,32663188 -"" ~' '\.-..,.-' inc!udil'<g ,wo mode in writing. ""pi.. of whicb at<: a1uched bm!1o as Exlubi, A and incorporated h"t'cin. Troelogie Om; merel~' .1.,00 0\'(1' ~lC lc!ephon< <1"" Ilv: all"!,ocd ddlt n:131e. <0 ~ 1998 A'IT \\,t"dess ~\uU. \0. Prior \0 AugUs.\ 29. 200$" no credilor or debt ooJh,"C(OT bOoS C\'O' communica.ted with Dr. elm:. ~aro~ the :1\legcd debt. and prior to Augu>""t 26, 200S. he h.ad nel."er .,"en h~d"r alba Defe:ndaro: nc'.cnhekss. P3Jisildcs pbt'N l'Dlse' ne.g.:.ni\',= credil infnm'7:J.l:l<m reg,a.rdU'lS Dr. Cl:aIk en Dt". (I:uk.:$. tn:di.t:repon. II. On S<ptcmbc; 21. 29<J5, Dt, ('1m !<Om Oof...""".. a loner lQrtnally nNt(ytn.=. rb:m.lh:1t he Jispu~ ~ J.{k~\o-d tkhL A copy of~ Sq)\t::mbcr 2l. !.I)()'S \ell~i~ <:lu3.Chcd herao 3S Exbibit B end inrorpot"all:rl bl.:cdn. 12. DerenJ:m15 h3l'~ tCfIJSL-tt 10 pro'\ide <:\)n:~o:d lnfOO\\il.\i-on \~ CT\."'Clit r~poninS:t.Sen,res..:.nd th..: f",l:se debl continl.l.~ 10 :lppc.aron Or. Ct.:1rl(3~it {(pon. 13. Dr, C1i1/l( is in lhe p'oc"", ,,( pllm....-iRlI an office building. U>d \1.3pp!iL'd for tllQZll1 in connection \\itb. the purct..las~_ 1.f._ Tr.e f~~ nc..-g::li\'e credit information fq3.,n:Q,j b}." IJaliS3dcs h~ irJerfered. ''-'llh Or. CbrL:i's :lbiH1.y 10 obuin the loi1!.l :led (:ornplctc the~, dcla.)i~ l.h~ tnmS3cUCin .;md causbg him to incur l.\JuiuolI.1.l 'OOSlS. J 3. Upon infolTl13~n BId belie!:.3.( aU r:1C\J111 cim~ Dc:f\mdants k~'"'W that Dr, C13r\i: I1<IS applied rOt 3\0"". ..1Ilh<y pl3c<d the lalse neg;om-c: <mlil inform.ti<ln on his ctl'dil rq>ort and have rofus<d 10 <""""lor e"en nlidalC il in order 10 pressure Dr. Om into p>}1nt- . deb! h. d<;oei; not 0"" S(> m:n be can complete rne ,...1 <sure purch""o. , 141005 11/09/2005 11: 22 FAll,7132663188 . ..... .}. '-../ v D. CAUSes of Arnon COUo:oIT 1- VIOL.-\TIONS OFTtlE FEDI1.'RAL F "-IR DEBT COl.l.EcrIO!'l PR....CTICES ACT 16. PloiDliITi.corpora,,,,,byreterellUp~phs IliltoU~,j, 15,,[,1';, Compl::tn,! ~ iffuJ1:; ;)r;:\ forth ]ll..'T1:m. 1- Tn~ ted~r.d F.air Dc=ht CoU,clioq Pr.1'tice..~ Act t"FDCPX't 15 U.s..C. ~~ 1(l92~~16l}2o~ prohibirs OJ d~b[ c"Ucc~r froln h1lT.1.s:.mg. oppressing. or .:Wnsing ~ny p::n;..::.n in t,mnectio'l,.;itb tIle colJ~jon Dra dtbL 1 S. De1'cnr.!ams \.'iQl~tc:d th~ FDCPA by. among. ether IUWp. rommunicarins credit infonn:uion r~ding Dr. Clark wtu<:h D~tl:n.:bnti. knew or should f'g\'c kno\\.''Q; to b:::: fals~. ~, 15 L',S.C. ~~ 169"d: i<>9Ze(2l(A).{8), 19. Dcler.d.n15also ";01.1<<1 the fDCPA b}'fefusing IOI""'\"idc Or, Clo:k v.irl1 ,'..nllet1 ....2Jidxl.ion ofd1c 2iH~$eJ d~bl V\.;lhln Ej"r: da)'S ;)ficr thcir i'nilial fXImmunicatiC'l1 ,,,im Or. Clm1:orh.is.<Itlomeys. Sa:- IS U.s.C. ~ 16Q2g. WHFREFO!l.E. PlainlilT respectful!)' t"'l=ts lll.tWs Court rnlCJ .jU<lgntent in hi. ["""" all" again.. Dcfmd""" P.lis:oJ~s and TrueL:>gic. wbioh "ill full)' compcns''''. punish M~ deter Dc.fend:uus. dolations ofthc: fDcPA, including. the aW~ or: {i) PJ<1i,ntiff's 3ClU.:d J:l."tl~. in an iQ1lOunl exc~in! Sl.5fXK.t (il) the COStS ofdus )a.....'Swt. logcther\!../ith r~ble ::momey,iT lffl as dc<cnronro 0)' the Courl: :uld om O1ddition;1f dJmilges.. to bt.~:Js:sascd as the Com deems ~ppropriJ1lt_ 4 ,141 006 11/09/2005 11:22 FAX i132663188 -4 , ----. '''-../ <OUNT II - '''lOLA-TlONS OF tIiE PENNSYLV AmA FAIR CREDIT E..'Icrl:NSION UNIFOR1\n1Y ACT ,,-,"oiD THE PENI'S\'Lv ANIA UNFAIR TaADE PRACTICES Al\D COl\SUi\JER PROTECTIO" lAW 2Q, Pl3intiffi"",,'I'oro'cs by ref<ml"" p....gruph. J ''''''"!;h 19 "filii. (','ruplain'", iffultY$Ollbrth 11m;... 21, The Pennsylvani. Fair Cn.'di. E.~,cnsjon Unifotmil)' ,\01 .'FCECA''!, 'T:l P.s. ~~ 2270.) -22iO.D. pro\'id~ ~[ if 3 dd;)t collector \'iol~tcS 3DY of th", prO\ IslOM of the fcde....1J FDCPA_ the ";ob.tion 5h31l conslilUlcan unfnirQt decoplh'edcb~ ,"ollcclion Dct or p"'l:lia: undor alO FCElIA. ?3 p,s. ~ .2270,.l{.). " Tbe FCEll A funh<r pro-idc5 liut if II deb, <olleclor ensages in "" unfair .or dcccpl.h-c J.J:bl C\JHecuQ-o act or pr:ICoce uaLler the;; .FCEU:\.~ it shall :1.l5Q cO('l~ti~ti: :a ..'iolation of the Pcnn,yh'arli. l 'nfair T rode Proo',ces and Consumer Protec.,on Law ("OTPCPL''), 7J P,5, ~f ~()lal to ~OJ-9":t. " .._'. Def.niWlls. by \iototing.he federal fDCf'.~ ba\'C al:;o \1013100 the l\....,nsyh':nU. FeEl' A and lh" Penns:1'.."in UTPCPL. WI-! ERI'FORE. Pl,;ntiff mpectfully requests ll1ar thi; Coun "m<l' a jWgmcnl in hi. ""'or and ngsiu51 Defendan.. P:tlisades and Tnwlo!;ie. which "in folly <ompeusol<, puni.<h :nl(\ dclerthe Defendant" ,wla,iom of.1\. FCEUA and "'" UTPCPL, including W, aw>td of: (i) Plaintiff's ::\CtWll d3m3a~ in an amount exceeding S2S.00t~ (ii) ""b~dam~ (iih IhecostS ortbis la"\'"$ui(. IOgcther......ilh ~a&0U3.ble u.ttomcysO fees a5: detcr1l1in.u by Ih: C"",,; and (;\') .w!itiooul Wmlag... '0 b<.> ......<<1:15 Ih. CO"" d",,'1tl$ .ppropriOle, Pl~iDlirrD.":Illds. Trlol b)' Jury 5 14) OOi 19j uu~ 1~/09.I2~05, 11: 22 FAX7132883188 . r-~ "---" ''-oJ Jl.cspoclMly submitted. KLETT ROONEY l.fEBER '" SCHORLlNG A l'rofcssiollJll CO<pOr.ltiO!l --~ By: ,;..- 2010 Nonh Third Slre.t. Sui.. ,0{, lIarrisburg. PA 17101 T~l<pho",,: (111)231.77ilO F.osimile: (i17) 231-;'12 Auomeys for PhUttliif. Timothy.-\.. ('\""k, ~I.D, DIIll..!: OclOb<:r IS. :!OOS r, 11/09/2005 11:22 FAXf1326631BB lfIJ uu~. :.<JO: .' -...../ '->J VERIFICATION I. TIMOTHY A. CL.ARK. MD.. ..,if)' U,., tlle stal~ m= in .he foregoing COMi'L:\J"T are true and ~orr<'" 10 the b<st of my pmonaI knov.-ledge, ;nform,';'on ;on. belief J undemar.d ~1 UtI:' ~:ucm(:n1s: thcr~in ze made ..mbjec.t tc Lh.:! pcn~h.i.es of 18 ?~.C.S. ~ ':'9(4 r~1atinJ; to unsw~m fa15ifl.~;.on to i.uzhon.,ic5. "'~ r-.----. , ,'...... ) ~):/ ~ ' /" /0r",~ T/'~ il" CLARK.1cLD, I 1 I r i i I . ~h\ b ~ 8 ,- Eugene A, Luciw, Esquire Attorney ID No. 38969 Hecker Bro\"n Sherry and Johnson, LLP Suite 500, The Professional Bldg, 65 East Elizabeth Ave, Bethlehcm, PA 18018 Tel: (610) 868-1400 Attorneys for De!Cndant, TrucLogic Financial Corporation IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA TIMOTHY A. CLARK, M.D., ~ ~ Plaintiff ~ \IS, ~ ~ PALISADES COLLECTION, LLC and ~ TRUELOGIC FINANCIAL CORPORATION, ~ ~ Defendants & CIVIL ACTION NO, DEFENDANT, TRUELOGIC FINANCIAL CORPORATION'S, ORIGINAL ANSWER AND AFFIMRATIVE DEFENSES TO PLAINTIFF'S COMPLAINT TO THE HONORABLE, THE JUDGE OF SAID COURT: COMES NOW, Defendant, TrueLogic Financial Corporation ("Defendant"), and responds to Plaintiffs Complaint (the "Complaint") as follows: 1. Defendant asserts that the statements in Paragraph 1 of Plaintiffs Complaint do not requirc a response, To the extent the Court deems that a response is required, Defendant is without surticient knowledge (0 admit or deny the statements contained in Paragraph 1 of Plaintiffs Complaint. 2, Dcfcndant is without sufficient knowledgc to admit or to deny the statements containcd ill Paragraph 2 of Plaintiffs Complaint. 3, Dcfendant denies that it is a Delaware COIlJOration, Defendant further denies that the address stated in Paragraph 3 of the Complaint is Defendant's correct address, Otherwisc, admitted, 17.1382-J HECKER BROWN SHERRY AND JOHNSON LLP . SUITE!5oa . THE PROFESSIONAL BUILDING. 65 E_ ELIZABETH "VENUE. BETHLEHEM, PA 18018-6506 . 4, Defendant specifically denieS thatthc Court of Common Picas of Cumberland County hils jurisdiction to hear tbc within case allegedly arising under 15 U,S,c. 01692, On thc contrarv, this case has been propcrly removed to the United States District Court for the middle District of Pcnnsylvania, Said federal COlllt also has jurisdiction to hear pendent state court claims, Ii I II federal ~ourt, per a Notice of Removal which is incorporated herein by reference thereto. II I 5, Denied, Cumberland County is not a proper venue in this case, as it has been removed to Defendant is without sufficient knowledge or information to admit or to deny the allegations as statcd in contained in Paragraph 6 of the Complaint. 7, Dcfendant is without sufficient knowledge or infol111ation to admit or to deny the allegations as stated in contained in Paragraph 7 of the Complaint. 8, Defendant is without sufficient knowledge or information to admit or to deny the allegations as stated in contained in Paragraph 8 of the Complaint. 9, Defendant denies that Plaintiff contacted Defendant on August 29, 2005 and denies that Plaintiff had made a written request for validation of the debt to Defendant, as alleged in Paragraph 8 of the Complaint. Defendant admits that the account at issue in this case relates to a 1998 AT&T Wireless account. 10, Defendant is without sufficient knowledge or information to admit or to deny the allegations as stated in contained in Paragraph 10 of the Complaint. 11, Defendant admits that Plaintiffs atlomey sent Defendant a letter dated September 21, 2005 disputing the debt, as stated in Paragraph 11 of thc Complaint. 2 HECKER BROWN SHERRY AND JOHNSON LLp. SUITE 500. THE PROFESSIONAL BUILDING. fi5 E ELIZABETH AVENUE. BETHLEHEM, PA '8018.6506 12, Defendant denies that it has reported any information relating to the debt at issue in this case to any credit reporting agency, as alleged in Paragraph 12 of the Compbint. Defendant is without sufficient knowledge or information to admit or to deny the remaining allegations as stated in Paragraph II of the Complaint. 13, Defendant is without sufficient knowledge or information to admit or to deny the allegations as stated in contained in Paragraph 13 of the Complaint. 14, Defendant is without sufficient knowledge or information to admit or to deny the allegations as stated in contained in Paragraph 14 of the Complaint. 15, Denied, Defendant denies the allegations as stated in Paragraph 14 of the Complaint. 16, Defendant adopts and incorporates its answers to Paragraphs 1-15 of the Complaint. 17, Defendant admits that 15 U,S,C, 1692(d) prohibits a debt collector from engaging in conduct that is harassing, oppressive or abusive in connection with the collection of a debt, as alleged in Paragraph] 7 of the Complaint. Otherwise, denied, 18, Defendant denies that it committed any act or omission in violation of the FDCP A, Defendant further denies that it "communicated credit information" to any person or entity with respect to the account at issue, as alleged in Paragraph 18 of the Complaint. 19, Defendant denies the allegations as stated in Paragraph 19 of the Complaint. Specifically, Defendant states that it sent written communication to Plaintiff on July] 1,2005, in conformity with 15 U,S,c. 1692(g), Defendant further states that upon notice of representation by an attorney, Defendant made no further contact with Plaintiff. Defendant denies the averments as states in the prayer of Paragraph 19 of the Complaint. 20, Defendant adopts and incorporates its answers to Paragraphs 1-12 of ~he Complaint. I73JH2-1 HECKER BROWN SHERRY AND JOHNSON LLP . SUITE 500 . THE PROFESSIONAL BUILDING. 65 E. ELIZABETH AVENUE. BETHLEHEM, PA 1801.8-6!5CXi 21, Defendant is without sufficient knowledge or information to admit or to deny the allegations as stated in containcd in Paragraph 21 of the Complaint. 22, Dcfendant is without sufficient knowledge or information to admit or to deny the I allegations as stated in contained in Paragraph 22 of the Complaint. 23, Defendant denies that it has committed any act or omission in violation of the FDCP A, , the FCEUA, or the UTPCPL, as alleged in Paragraph 23 of the Complaint, or otherwise, Defendant denies the averments as stated in the prayer of Paragraph 23 of the Complaint. 24, Any allegation in the Complaint not admitted is denied, To the extent not expressly admitted herein, all material allegations of the Complaint are denied, WHEREFORE, Defendant, TrueLogic Financial Corporation, respectfully requests judgment in its favor and against Plaintiff. FIRST AFFIRMATIVE DEFENSE Defendant affinnatively pleads that Plaintiff has not suffered any actual damages as a result of the alleged acts and/or omissions of Defendant. SECOND AFFIRMATIVE DEFENSE Defendant affinnatively pleads that it did not commit any act or omission constituting an actual violation of the Fair Debt Collection Practices Act. However, in the event Defendant is mistaken, Defendant asserts the bona fide error defense, THIRD AFFIRMATIVE DEFENSE Defendant affimlatively pleads that it did not commit any act or omission constituting an actual violation of thc FCEUA, To the extcnt that the FCEUA providcs for a bona fide error de1Cnsc (or similar doctrine), Defendant hereby adopts the same as an affirmative defense, 4 HECKER BROWN SHERRY AND JOHNSON LLP. SUITE ~OO. THE PROFESSIONAL BUILDING. 65 E_ ELIZABETH AVENUE. BETHLEHEM, PA 18018-6506 ~ FOURTH AFFIRMATIVF: DEFI,NSF: Defendant affirmatively pleads that it did not commit any act or omission constituting an actual violation of the UTPCPL. To the extent that the UTPCPL provides for a bona fide error defense (or similar doctrine), Defendant hereby adopts the same as an affimlative defense, FIFTH AFFIRMATIVE DEFENSE At all times, Defendant acted in good faith and without malice or intent to injure Plaintiff. SIXTH AFFIRMATIVE DEFENSE Dcfendant affinnatively pleads that its collection activity with respect to the account at issue in this case was in confollnity with all applicable federal and state laws, SEVENTH AFFIRMATIVE DEFENSE Defendant affirmatively pleads that Plaintiff failed to dispute the debt in writing within thirty (30) days of Defendant's initial letter dated July I], 2005, as required under 15 U,S,c. 1 692(g)(a), Defendant further asserts that Plaintiff did not dispute the debt in writing until September 21, 2005, which was received in Defendant's office on September 23, 2005, As such, under 15 U.S,c. 1692(g)(a)(3), the debt was assumed to be valid by Defendant until September 23, 2005, Defendant further asserts that upon receipt of said letter on September 23, 2005, Defendant ccased all collection activity on this account. EIGHTH AFFIRMATIVE DEFENSE Defendant affirmativcly pleads that it has not communicated or reported the account at issue to any credit reporting agency or third party, 17JJi-J2-1 j..lECKER BROWN SHERRY AND JOHNSON LLP . SUITE 1500 . THE PROFESSIONAL BUILDING' 615 E ELIZABETH AVENUE' BETHLEHEM, PA 16018.6!506 , II II . II I) II II I) NINTH AFFlRl\lATIVE DEFENSE II I[ Defendant affirmatively pleads that Plaintiffs claims are brought in either bad faith or for II II purposes of:Jarassment, and request reasonable attomeys' fee reasonably related to the work performed II in the defense of this matter pursuant to 15 U,S,c. 1692(k)(3), I TENTH AFFIRMATIVE DEFENSE Defendant reserves the right to assert additional affirmative defenses as more information becomes available through discovery, ELEVENTH AFFIRMATIVE DEFENSE Defendant does not owe any of the duties alleged in the Complaint TWELFTH AFFIRMATIVE DEFENSE Plaintiffs debts may not have been consumer debts, as that term is defined under statute THIRTEENTH AFFIRMATIVE DEFENSE Plaintiff may not have standing to bring a cause of action under the Fair Debt Collection Practices Act FOURTEENTH AFFIRMATIVE DEFENSE Answering Defendant asserts and avers herein all defenses and limitations of remedy available to it under the FDCP A and/or any other statute applicable to this case, FIFTEENTH AFFIRMATIVE DEFENSE If Answering Defendant violated any applicable statutory provision, which is expressly denied, such violation resulted from good faith reliance upon incon'cct information (existence of such inconect information being expressly denied) offered by another person, 6 HECKER BROWN SHERRY AND JOHNSON LLP . SUITE '500. THE PROFESSIONAL BUILDING' 6'5 E ELIZABETH AVENUE. BETHLEHEM. PA 18018-6506 .' SIXTEENTH AFFIRMATIVE DEFENSE Any violation on the part of Answering Defendant, which is expressly denied, was clone unintentionally, resulted from a bona fide and clerical error, notwithstanding the maintenance of procedures reasonably adapted to avoid any such clerical error. SEVENTEENTH AFFIRMATIVE DEFENSE At all material times, Answering Defendant complied with any and all applicable statutory and regulatory provisions, EIGHTEENTH AFFIRMATIVE DEFENSE Plaintiff did not sustain any actual damages in this case NINETEENTH AFFIRMATIVE DEFENSE No act or failure to act on the pmi of Answering Defendant proximately caused any actual OJ' other damages in this case, TWENTIETH AFFIRMATIVE DEFENSE Any action taken or omitted by Answering Defendant (this being expressly denied in any event) was taken or omitted in good faith and in conformity with the advisory opinions of regulatory agencies, TWENTY-FIRST AFFIRMATIVE DEFENSE Plaintiff has failed to mitigate his damages, TWENTY-SECOND AFFIRMATIVE DEFENSE Answering Defendant affirmatively pleads that it did not commit any act or omission constituting an actionable violation of the Fair Debt Collection Practices Act. 173382-1 ~ HECKER BROWN SHERRY ....ND JOHNSON LLP' SUITE 500. THE PROFESSIONAL SUH_DING . 6.5 E ELIZABETH AVENUE' BETHLEHEM, F'A 18018-6506 . . . TWENTV-THIRD AFFIRMATIVE DEFENSE The Complaint fails to state a clail11 upon which relief can be granted, Respectfully submitted, HECKER, BROWN, SHERRY AND JOHNSON, LLP 4:~ Eugene Luci , Esquire Suite 500, T le Professional Building 65 East Elizabeth Avenue Bethlehem, P A 18018 610-868-1400 Identification No, 38969 ATTORNEYS FOR DEFENDANTS, PALISADES COLLECTION, LLC and TRUELOGIC FINANCIAL CORPORATION OF COUNSEL: David J, Booth, Esquire DAW & RAY, P.e. Hibemia Bank Plaza 5718 Westheimer, Suite 1750 Houston, Texas 77057 Telephone: 713/266-3121 Facsimile: 713/266-3188 " ,I " " " I, il " Ii " " " Ii " " " " " " II " " " " " !' 8 HECKER BROWN SHERRY ANO JOHNSON LLP. SLlITE!iOO. THE PROF"ESS!ONAL aUILO(NG .65 E. EU:;Z:A.BETH AVENUE:. BETHLEHEM. PA 1801B"65 CERTIFICA TE OF SERVICE 1, Eugene A, Luciw, Esquire, hereby certify {hat on November] 6, 2005, r served a true and copy of Defendant, TrueLogic Financial Corporation's, Answer to Plaintiffs Complaint, via States first mail, postage prepaid, on the fOllowing: Brian J, Knipe, Esquire KLETT, ROONE1~ LIEBER & SCHORLING 1 7 North Second Street 15th Floor H3ITisburg, P A ] 71 0 1 Attorneys for Plaimiff, Timothy A. Clark, M.D, PALISADES COLLECTION, LLC 210 Sylvan Avenue Englewood Cliffs, NJ 07632 pro se PALISADES COLLECTION, LLC 87 South Commerce Way, Suite 70 Bethlehem, PA 18017 pro se OWN SHERRY AND JOHNSON LLP H.ECKERUR \(, 1.~~~ \~~ \.\ (l t( U-- . ]b~l iw Esquire ))~. ....-~\\'1,e" ,uc - ~:. r- '..,:; ,.,," \. '.',:'..., ~. L\~ o . '.. ~.-- (-) 90!ii9"91091 'td 'W3H3,H.L39 . 3nN3A't H.L3SYZn33;;-9' ~NIO"nE1 ,'VNOI5S3.::10Hd 3H..t . 00\0 3.tlns . dTl NOSNHor aNY Al:l1::l3HS NMOl::lEl ;J3)l:)3H I-<::~l\. 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