HomeMy WebLinkAbout05-5937
,
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
SUSAN B. SHILL.
Plainti II
"
v.
Civil No: t)~ - Stf3 7
{!ad
TATE & KIRLIN ASSOCIATES,
and SHERMAN ACQUISITION II LLP
and SHERMAN FINANCIAL GROUP LLC:
Defendants.
JURY TRIAL DEMANDED
NOTICE TO PLEAD
TO THE DEFENDANT NAMED HEREIN:
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 is 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 further notice for
any money claimed in the Complaint, or for any Dther claim or
relief requested by the Plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association
32 S. Redford Street, Carlisle, P A
1-800-990-9108,717-249-3166
NOTICIA
Le han demandado a ~sted en 1a corLe. Si uS~0d quire dc:er1de~se de
estas demandas_ expue~:_as en Ias pdq nas :".icjuie::'Les, ~~o::ed '-iene v-=-enIJ' (20)
dias de plazD al pa ctir de 13 fec.:::a cie la exc~ri ta ~) en pr,;c:,;(:;rld CpOI'
archival' en 1a corte en forma excrita SlJS defensas '-'q petiurles ~ las
demande, 1a corte to~ara ~edidas y puede erltrar U~la ~r-den cont~a ustcd sin
previa aviso c nctificacion Y f)or cua~q~icr queja c aJivic q~e os pediclo e~ La
peticio~ de demonda. Uste(~ puede perde di~erc 0 s~s pro:)iedades 0 c)-ros
derechos import antes para !lsced.
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IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYL VANIA
SUSAN B. SHILL,
Plaintiff,
v.
Civil No.:
TATE & KIRLIN ASSOCIATES,
and SHERMAN ACQUISITION II LLP :
and SHERMAN FINANCIAL GROUP LLC:
Defendants.
JURY TRIAL DEMANDED
COMPLAINT
COUNT I - PENNSYLVANIA FAIR CREDIT EXTENSION UNIFORMITY ACT
1. Jurisdiction for this Action is asserted under the Pennsylvania Fair Credit Extension
Uniformity Act, 73 P.S. 92270 et seq.
2. Violating provisions of the Fair Debt Colleetion Practices Act also violate the
Pennsylvania FCEU, 73 P.S. 92270.4(a).
3. That defendants engaged in unfair methods of eompetition and unfair or deceptive acts or
practices, as defined by FCEU and the regulations, including but not limited to, violations
of37 Pa.Code 99303.3(3), 303.3(14), 303.3(18), 303.6 and 73 P.S. 9201-2(4).
4. Defendants' acts as described herein were done with malicious, intentional, willful,
reckless, negligent and wanton disregard for Plaintiff's rights with the purpose of
coercing Plaintiffto pay the alleged debt.
5. As a result of the above violations, Plaintiff is entitled to statutory, actual, treble and
punitive damages and attorney's fees and costs.
WHEREFORE, plaintiff requests that this Honorable Court issue judgment on his behalf
and against defendants for a statutory penalty, treble damages, punitive damages, attorney fees
and eosts pursuant to 73 P.S. 92270.5.
COUNT II - FAIR DEBT COLLECTION PRACTICES ACT
6. Plaintiff hereby incorporates the forgoing as iffully set forth herein.
7. Jurisdiction for this action is asserted pursuant to the Fair Debt Collection Praetiees Act,
15 U.S.C. S1692, et seq. ("FDCPA"), particularly 15 U.S.C. SI692k(d) and 28 D.S.C.
S1337.
8. Venue lies in this District pursuant to 28 U.S.C. 1391(b).
9. Plaintiff is an individual and consumer pursuant to 15 U.S.C. sI692a(3).
10. Defendant Tate & Kirlin Associates, is a business entity(ies) engaged in the business of
collecting debts in this Commonwealth with its principal place of business located at
2810 Southampton Road, Philadelphia, PA 19154.
11. Defendant Sherman Acquisitions 11 LLP, and its parent company, Sherman Financial
Group, LLC, are business entity(ies) engaged in the business of collection debts in this
Commonwealth, with its principal plaee of business located at 15 S. Main Street, Suite
600, Greenville, SC 29601, and/or450 Lexington Avenue, New York, NY 10017, and/or
9700 Richmond Avenue, Suite 160, Houston, TX 77042.
12. Defendants are debt collectors as defined by 15 U.S.C. 11692a(6).
13. Defendant, Tate & Kirlin Associates, sent letters to Plaintiff, dated January 7, 2005, and
February 9, 2005, which are a "eommunications" relating to a "debt" as defined by 15
U.S.C.11692a(2).
14. Defendant Sherman et aI., acting as principal, eaused, direeted, controlled and/or
purposefully enabled defendant Tate & Kirlin Assoeiates, to attempt to collect the allged
debt.
15. The amount demanded by Tate & Kirlin Associates, increased from January 7, 2005, to
the February 9, 2005, letter. See Attached.
16. At all pertinent times hereto, the defendants were hired to colleet a debt relating to a
consumer transaction as defined by 15 U.S.C. 9 1692a(5).. (Hereinafter the "alleged
debt.")
17. Defendant communicated with plaintiff on or after one year before the date of this action,
in connection with collection efforts, by letters, telephone contact or other doeuments,
with regard to plaintiffs alleged debt.
18. Plaintiff believes and therefore avers that defendants are adding interest, fees and costs in
violation of state and federal law.
19. Defendant in its collection efforts, demanded interest, fees and/or costs in violation of the
FDCPA, 15 U.S.C. 9 I 692f(1) and 1692e(2)A and B.
20. There was never an express agreement by Plaintiff to pay any additional fees, cost or
interest to Sherman Acquisitions or any of its debt collectors, including defendant Tate
& Kirlin Associates, and/or Sherman Acquisition II LLP, Sherman Financial Group LLC,
Alegis Group LP, or any other subsidiary/parent eompany ofthe ShermanJAlegis
companies.
21. The FDCPA states that a violation of state law is a violation of the FDCPA. 15 U.S.C.
91692n. Pennsylvania law states, in pertinent part, 18 Pa.C.S. 97311:
"Unlawful collection agency praetiees.
(a) Assignment of claims. It is lawful for a collection agency, for the purpose of
collecting or enforcing the payment thereof, to take an assignment of any such
claim from a creditor, if all of the following apply:
I. The assignment between the ereditors and colleetion agency is in writing;
2. The original agreement between the creditor and debtor does not prohibit
assignments.
3. The collection agency complies with the act of December 17, 1968...
(b. 1 )Unfair or deceptive methods. It is unlawful for a collector to collect any
amount, including any interest, fee, charge or expense ineidental to the principal
obligation, unless sueh amount is expressly provided in the agreement creating the
debt or is permitted by law."
22. Plaintiff believes and therefore avers that the defendants do not have proper assignment
of her claim, in violation of Pennsylvania law.
23. Plaintiff believes and therefore avers that defendants do not have proper assignments
and/or doeumentation permitting said defendants to charge interest, fees and/or costs.
24. The FDCPA states, a debt collector may not use unfair or unconscionable means to
collect or attempt to collect any debt. 15 U.S.C. 91692f. Defendant violated this section
of the FDCP A.
25. The FDCPA states that a violation of state law is a violation of the FDCPA. 15 U.S.c.
91692n. Defendant violated this section of the FDCP A.
26. The FDCP A states, a debt collector may not use false, deceptive or misleading
representation or means in eonneetion with the eolleetion of any debt. 15 U.S.c. 9 I 692e.
Defendant violated this section of the FDCP A.
27. The Fair Credit Reporting at, 15 U.S.C. 91681 b prohibits the improper use ofa
consumer's credit information.
28. The FDCPA states, a debt collector may not engage in any eonduct the natural
consequence of which is to harass, oppress or abuse any person in connection with the
collection ofa debt. 15 U.S.C. 91692d. Defendant violated this section ofthe FDCPA.
29. The FDCPA states, it is unlawful to design, compile and furnish any form knowing that
sueh form would be used to ereate the false believe in a eonsumer that a person other than
the ereditor of such consumer it participating in the collection of or in an attempt to
colleet a debt such consumer allegedly owes such creditor, when in fact such person is
not so participating. 15 U.S.C. SI692j. Defendant violated this section of the FDCPA.
30. The FDCP A provides certain rights to the consumer regarding her right to dispute the
alleged debt, 15 U.S.C. SI692g. Defendant violated this section of the FDCPA.
31. The FDCP A states, it is unlawful to add interest, charges, fees or other costs unless
authorized by law or contraet; Plaintiff does not have a contract with Defendant.
15 U.S.C. sl692fand sI692e(2)(A) and (B). Defendant violated this section of the
FDCPA.
32. Defendant's collection communications were intentionally eonfusing, misleading and
otherwise deceptive to the Plaintiffs, in violation of 15 U.S.C. S I 692e(5) and (10).
33. Defendant's communications ereated a false sense of urgency on the past of Plaintiff in
violation of the FDCP A.
34. Defendants letters offered Plaintiff a settlement, causing her to believe litigation was
imminent.
35. Defendant Tate & Kirlin Associates, letterhead, mislead Plaintiff into believing that a law
firm was attempting to collect the alleged debt.
36. Any threat oflitigation is false if the defendant rarely, sues consumer debtors or if the
defendant did not intend to sue the Plaintiff. Bentlv v. Great Lakes Collection Bureau, 6
F.3d 62 (2d Cir. 1998). See also, 15 D.S.C. sI692e(5), 15 U.S.C. sI692e(10).
37. At all time pertinent hereto, the defendant was aeting by and through its agents, servants
and/or employees, who were aeting within the seope and course of their employment, and
under the direct supervision and control of the defendants herein.
38. At all times pertinent hereto, the eonduet of defendant as well as their agents, servants,
and/or employees, was malieious, intentional, willful, reckless, negligent and in wanton
disregard for federal and state law and the rights of the Plaintiff herein.
39. Defendant's letters were intentionally eonfusing and deceptive, in violation of 15 U.S.c.
gI692e(5) and (10), gI692f(8) and gI692j.
40. Plaintiff was confused, deceived and believed that litigation was imminent if settlement
was not made.
41. The above mentioned aets with supporting cases demonstrates that the conduct of
defendants rises to the level needed for punitive damages.
42. Defendant, in its collection efforts, violated the FDCP A, inter alia, Seetions 1692, b, c, d,
e, f, g, h, and/or n.
43. Defendant, in its eollection efforts, used false or deceptive acts and intended to oppress
and harass plaintiff.
44. That, as a result of the wrongful tactics of defendants as aforementioned, plaintiff has
been subjected to anxiety, harassment, intimidation and annoyance for whieh
compensation is sought.
WHEREFORE, Plaintiff respeetfully requests that his Honorable Court enter judgment
on his behalf and against defendants and issue an Order:
(A) A ward Plaintiff statutory damages in the amount of One Thousand Dollars
($1,000.00) for each violation ofthe FDCP A or each separate and discrete
incident in which defendants have violated the FDCPA.
(B) A ward Plaintiff general damages and punitive damages for anxiety, harassment,
and intimidation directed at him in an amount not less than Ten Thousand Dollars
($10,000.00), as well as the repetitive nature of defendants form letters.
(C) Award Plaintiff costs of this litigation, including a reasonable attorney's fee at a
rate of $350.00/hour for hours reasonably expended by his attorney in vindicating
his rights under the FDCPA, permitted by 15 U.S.C. sI692k(a)(3).
(D) A ward declaratory and injunctive relief, and such other relief as this Honorable
Court deems necessary and proper or law or equity may provide.
COUNT III - CLASS ACTION
45. Plaintiff hereby incorporates the foregoing as iffully set forth herein.
46. Federal Rule of Civil Procedure, 23, permits a class action if certain criteria are met.
47. The FDCP A permits class action, 15 U.S.C. S 1692k(a)(2)(B).
48. In this case, all defendants eharged unlawful interest, fees and/or eharges, in violation of
state and federal law.
49. In this case, all defendants failed to comply with Pennsylvania law, 18 Pa.C.S. S7311 et
seq.
50. In this ease, defendants' letter contained false, deceptive and misleading statements.
51. This action seeks a declaration that the form of defendants' eollection letter violated the
FDCPA
52. This aetion seeks a declaration that defendants' eolleetion practiees violated the FDCPA.
53. The Class consists of all persons who received a eollection letter identical or similar to
the letters attached as Exhibit A and B.
54. Plaintiffs claims are typieal of the claims of the Class.
55. It is unknown how many letters were sent by each defendant, as such, Plaintiff believes
and therefore avers that the number exceeds 100 persons.
. .
56. Common relief is therefore sought on behalf of all members of the Class.
57. This Class Action is superior to other available methods for the fair and efficient
adjudication ofthis controversy.
58. The prosecution of separate aetion by individual members of the class would ereate a risk
of inconsistent or varying adjudieations with respeet to the individual members of the
Class, and a risk that any adjudications with respect to the interests ofthe other members
of the Class would, as a practical matter, either be dispositive of the interests of other
members ofthe Class not party to the adjudieation or substantially impair or impede their
ability to proteet their interests. Defendants acted in a manner applicable to the Class as a
whole that warrants declaratory relief.
59. The Plaintiff will fairly and adequate protect and represent the interests of the Class. The
management ofthe Class action proposed is not extraordinarily diffieult and the factual
and legal issues raised will not require extended contact with the members ofthe Class
because defendant's eonduct was perpetrated on all members of the Class and will be
established by common proof. Plaintiff's eounsel, attorneys Saracco and Rosen,
participated as attorneys in class actions brought pursuant to the FDCP A.
60. Given the nature of defendants' practices, it is likely that other consumers in
Pennsylvania have been harmed by these practices.
61. The law firm of Krevsky & Rosen, located at 1101 North Front Street, Harrisburg,
Pennsylvania, have agreed to enter its appearance as eo-counsel to ensure that Plaintiff's
counsel will have adequate resources to represent the class.
62. This aetion could be handled as a no-notiee class, and is superior to the alternative,
hundreds of Pennsylvania residents filing separate FDCP A aetions.
, .
63. Plaintiff respectfully requests that this Honorable Court consider the frequeney and
persistence of defendants' non-compliance, the nature of defendants' non-compliance,
and the obvious intentional nature of the defendants by failing to verifY whether the
eolleetion amount is valid, as required by Pennsylvania law, failure to secure the proper
authorizations as required by Pennsylvania law and in general, attempting to deceive
Pennsylvania consumers.
64. Plaintiff respectfully requests that this Honorable Court certifY the class and award such
amount for each named Plaintiff, $1,000.00, plus such amount as this Honorable Court
may allow for all other class members, without regard to a minimum of $500,000.00 or
one percent of the net wroth of the debt collector, and attorney fees of $350.00 per hour,
and costs as reasonably determined by this Honorable Court.
WHEREFORE, Plaintiff respectfully requests that this Honorable Court
a. CertifY the class,
b. Appoint Plaintiff to represent the members of the class,
e. Appoint Deanna Lynn Saracco and the law firm of Krevsky & Rosen as counsel
for the class,
d. Declare that defendants' letter violated the FDCP A, by threatening to report an
alleged debt in excess of seven years,
e. Declare that defendants' practices of adding unlawful collection fees violated
Pennsylvania law and the FDCP A,
. '.
.
f. Enter judgement in favor of Plaintiff and the Class and against Defendants, for
statutory damages, costs and reasonable attorney fees in the amount of $350.00
per hour,
g.
Grant such further relief as this Honorable Court deem
Dated: 11/15/05
By: Is/Deann 0
Deanna Lynn Saracco
Attorney for Plaintiff
76 Greenmont Drive
Enola, Pennsylvania 17025
Telephone 717-732-3750
Fax 717-728-9498
Email: SaraecoLaw@aol.com
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Sharon M. O'Donnell, Esquire
Marshall, Dennehey, Warner
Coleman & Goggin
4200 Crums Mill Road, Suite B
Harrisburg, P A 17112
(717)651-3517
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYL VANIA
SUSAN B. SHILL,
PLAINTIFF
CIVIL ACTION NO: 05-5937
Y.
JURY TRIAL DEMANDED
TATE & KIRLIN ASSOCIATES,
SHERMAN ACQUISITIONS II, LLP and
SHERMAN FINANCIAL GROUP, LLC,
DEFENDANTS
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Kindly enter the appearance of the undersigned on behalf of Defendant, Sherman
Acquisitions II, LLP and Sherman Financial Group, LLC, in the above captioned matter.
Respectfully submitted,
MARSHALL, DENNEHEY, WARNER,
COLEMAN & GOGGIN
Byi?~ 7tJ. fI1 "'-- j"
SHA 0 M. O'DONNELL, E~Q.
LD. NO. 79457
4200 Crums Mill Road, Suite B
Hamsburg, P A ] 71] 2
(717) 65]-3503
r
CERTIFICATE OF SERVICE
I HEREBY CERTIFY that I served a true and correct copy of the foregoing on all
counsel ofrecord by placing the same in the United States mail at Harrisburg, Pennsylvania,
first-class postage prepaid, on the date set forth below, and addressed as follows:
Deanne Lynn Saracco, Esquire
76 Greenmont Drive
Enola, P A 17025
Tate & Kirlin Associates
2810 Southampton Road
Philadelphia, PA 19154
MARSHALL, DENNE HEY, WARNER,
COLEMAN & GOGGIN
DATE: 11'''fU)"
BY~ tH /1;( <<<HI'- ;.,
SHAtt'O M. O'DONNELL, ES'QUIRE
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FINEMAN KREKSTEIN & HARRlS, P.C.
BY RICI-IARD J. PERR, ESQUIRE
Attorney LD. No. 72883
United Plaza, Suite 1800
30 South 17th Street
Philadelphia, P A 19103
PHONE 215-893-9300 FAX 215-893-8739
e-mail: rperr@finemanlawfirm.com
SUSAN B. SHILL
v.
TATE & KIRLIN ASSOCIATES, et al.
Attorneys for Defendant
Tate & Kirlin Associates
COURT OF COMMON PLEAS
COUNTY OF CUMBERLAND
CIVIL NO. 05-~
05 - 5'lS/
JURY TRIAL DEMANDED
PRAECIPE OF NOTICE OF REMOVAL
You are directed to take notiee that the above action has been removed to the United
States District Court for the Middle District of Pennsylvania at 4:05-cv-02644-JEJ, pursuant to
the attaehed Notice of Removal filed with the Clerk of the United States District Court for the
Middle District of Pennsylvania on December 21,2005. A eopy of the Notice of Removal is
attached hereto as Exhibit 1.
y
Dated:
December 29.2005
FINE
~~7 ~
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~~--
RICHA J. ER , ESQUIRE
Attorneys for Defendant Tate & Kirlin Assoeiates
CERTIFICATE OF SERVICE
I, RICHARD J. PERR, ESQUIRE, hereby certify that on this date I served a true and
correet eopy of the foregoing Praecipe of Notice of Removal electronieally or by first class mail,
postage prepaid, on the following:
Deanna Lynn Saracco, Esquire
76 Greenmont Drive
Enola, PA 17025
saraeeolaw@aol.eom
Attorneys for Plaintiff
Andrew M. Schwartz, Esquire
Marshall, Dennehey, Warner,
Coleman & Goggin
1845 Walnut Street
Philadelphia, PA 19103-4797
asehwartz@mdweg.com
Attorneys for Defendants Shennan Acquisition LLP and
Shennan Financial Group, Inc. /________~~/-~
/'/ ~// . -~
// /./ ;>
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Dated:
December 29,2005
. .
EXHIB IT "1"
Case 4:05-cv-02644-JEJ Document 1-1 Filed 12/21/2005 Page 1 of 3
ORIGINAL
IN THE UNITED STATES mSTRICTCOURT
FOR THE MTDDLE D1STRlCT OF PENNSYLVANIA
SUSAN n. SHILL, FlLED CIVIL ACTION
Plaintiff HARRISBURG, PA
v. DEe 2 1 LDOS . NO.
TATE & KIRLIN ASSOClATESMABVE. Dl~~"T 0 5 - 2 6 4 4
SHERMAN ACQUISITION LLPdWP ~v
SHERMAN FINANCIAL GRoul'~iNC.,
Defendants JURY TRIAL DEMANDED
NonCE OF REMOV AL
Ddtmdant TATE & KTRUJ\ ASSOCIATES. (hereinaller referred to as "Tate & Kirlin"),
by its under~igncd counsel, hereby petition this Court as follows, pur~uant to 2~ U.S.C. !l
1441(b):
I. Tate & Kirlin, Shennan Acquisition LLP and Sherman Financial Group, Inc., arc
defendants in an action pcnding in the Pennsylvania Court of Common Pleas for Cumberland
County, Civil No. 05-5937 ("the State Court Action"). Tate & Kirlin received a copy of the
Complaint on or about November 23,2005. A true and correct copy orthc Complaint in the
State Court Aetion is attached hereto as Exhibit "A".
2. PlaintiJfin thc State Court Action is Susan B. Shill. ;i~~ Exhibit "A".
3. Plaintiff~ State Court Action alleges violations of the Fair Debt Collection
Practices Act, 15 U.S.C. 991692, el seq.
4. The State Court Action involvcs a qucstion of federal law. Pursuant to 28 U.S.C.
g1441 (h), "Any civil action of which the district court shall have original jurisdiction founded
on a claim or right arising under. . . the laws ofthc Unitcd States shall be removable."
Case 4:05-cv-02644-JEJ Document 1-1 Filed 12/21/2005 Page 2 of 3
S. Since this case ariscs out of an alleged violation afthc Fair Debt Collection
Practices Act, 15 U.S.c. !l!l1692, el seq., this Court may properly remove thc State Cou!'t Action
based on 28 U.S.C. !l1441(b).
6. This Notice has been filed with the Court within thirty (30) days after pUl])orted
service of the Complaint on defendant Tale & Kirlin.
WHEREFORE, defendant Tate & Kirlin Associates prays that the State Court Action be
removed from thc Pennsylvania Court of Common Pleas for Cumberland County, Civil No. 05-
5937, to this Court for proper and just detennination.
By ~:-:>.,
RICHAR. ,ESQUIRE (PA No. ngg3)
30 SouM D'"' Strcct, Suite 1800
Philad~ia, P A 19103-4005
(v) 215-893-9300 (t) 215-893-8739
c-rnaiI: roerr!iiJ.finemanlavyfilm.com
Attorneys for Defendant Tate & Kirlin Associates
Dated:
Dccernber 19. 2005
2
Case 4:05-cv-02644-JEJ Document 1-1 Filed 12/21/2005 Page 3 of 3
CERTIFICATE OF SERVICE
T, RICHARD J. PERR, ESQUIRE, hereby certify that on this date 1 served a true and
correct copy ofthe foregoing Notice of Removal electronically or by first class mail, postage
prepaid, on the following:
Deanna Lynn Saracco, Esquire
76 Grccnmont Drive
Enola, PA 17025
saraecolaw(alaol.com
Attorneys fur Plallltiff
Andrew M. Schwartz, Esquire
Marshall, Dcnnehey, Warner,
Coleman & Goggin
1845 Walnut Street
Philadelphia, PA 19103-4797
asc.hwdrtz(mmdwcl!.com _--
Attorneys for Defendants Shennan Acqi.il!i~ LLP
Shennan J<'inanciaI Group, Inc. <. _
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. PERR, ESQUIRE
Dated:
December 19.2005
3
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 1 of 12
EXHIBIT "A"
Case 4:05-cv-02644-JEJ
Document 1-2
Filed 12/21/2005
Page 2 of 12
From:
IV06.f,!Or.r'16~48 #518 P ,002
iN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLV ANlA
SUSAN B. ,I'Hlll.,
P[blntill,
>.
Civil No.: OS - S lJ 3 7 ta;..!
J1JR.YTRIAL OEMANDBD
TATE & l<.DU,1N ASSOCIATES.
and SHERMAN ACQUlSmON Il LLP
aM sHERMAN FINANCIAL (tROUP LLC:
Dotondomo.
NOl!U:E TO ~1'.'G'~
IflO '!D CIlJ'lll1im7lJllJ! 'tlA'I.nil'D It1!lQ.:I1!I'~
Yr;J\l h.va been :sued in court,. If yo'l.:. w1ah t.o defend againet
tho 0:1aJ.1115 ....t fonh in tn. following ""ges, yc,", muet ~al(e .lotion
..i thin .lilll.at... 1201 davs afh~ th1i COlllplaint i. u>:VGd, l>y
.nt..rin~ a ~ritten appearancil personally or by .ttorn.y and
tHing ill wri tin" W1th the court your d"ten$U or obj ecUon" ~o
the "lB.il1>S set: f"_~h against you. You aril wun"g that if YC1U
fail 'to do ao, the CAS. may prccvlid without tlJJ:th.r no't1ce ;:or
&ny ~ne~ Q~.imQd in the Complaint, or tor ~ny othar claim or
reli"t requested DY the Pl.int~'t. ~ou mIl' loss ~oney or
prop.rty or other right. import.n~ ~o you.
TOO SllOOIltl TAD 'ran 1!A1'EIl 'fQ NlJI. Ll\lfrBR A'l: ClllCl<. tr 11011 no 1/0'1'
lIAQ A LN!l1l:~ OR CllJIlIIO'l' AJTQIlD om:, 00 'f0 01\ n:r.li:I'Il'CIlI1l !rlI!: (.wrClll
SET ro1\'fEt IIli:LOW 'ro rnm Ql1': llDNl 't\)Q Cb <Al!:'l' l:iBW UI.P.
CQllIborllUld COunty DOl' A.noc!.tl.~
3;1 S. 8tdtord Sb'o.~ Carl..l., P A
1400-990-9108. 717-14~1ti6
~
L. hun d.e~"do I \Ut.CI "/'I 1. Q,o::t.e. so'" ul!Itoa qu.i.l'i dlbndar.e CIE;t
e"t6" dllal.andu .KpU~ta.:!I en lu ~19inu ~.1.quUI'\l:.... \l~tad t.ion. V~liIntiU tNIJ
l:U... d.. plllz.o aJ. p.~th' d. l. tecna ae 14 excr.1e. 0 en plill"~. Cl por abl;~'iad~ y
Irehi.....r .~: J, CQ!'"te en tClrm~ 'KO!'.ih lYU.$ aden.., Q Ol1. ol),ection.. G J,u
dIklll4nd.*. 1<< ~rte tome.;rll. ....,o(!id.a:l Y 'PU1.d. ent.r4r UM I)rdt:m f.;Qntre un." t:1n
p....'vio 11v!:IO Q notU'j,C"cion 'i pDt' c'lJdq",J.wt' ql.:.elja Q i,].1vio 1:1I1:. u pecUd.cl tan 1;1.
plltiQiQn 011 d811.and.B. U'itsd 9'UClie.. perdu tSinerQ 0 .'.l. p!'opi~d.~. !;) ctr~'$
oa:;QnOi ~'\pprt~nte~ p~=. ust.4.
tLlliVt eS:'l'A OeMAND,I\ ~ tiN AIJO:;AQO ItOI.ECIA'rlUUltU,. Sl '&0 T1ENt ZlaOG)t:OOO :iI
'NO 'fltNE .tt. QW&RO SuE'::tCIENrE DE PolGAR 'rilL SU,IfIClON. VAYA &;N PERSONA 0 WJ.l:E
fOR ~gLlrowo A "^ OlICINA CO>A DI~&~~:O~ SB ~~~Pfl~!)fZ~J.}!~frL.
In r.'slimony wh",ot, I he onto .,r "'1 h.nd _
and 11..::1 11,,1 ~ .sold ~~urt It Cornsb, PD.
Thi. ....1.4.."" ~~y .f""..}.1~_..., ..~
-,..._.....~.........&:~..:~
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 3 of 12
FrOll1:
12/06120(1" 16:4611513 P.OOS
~".
!\! Ii;
IN 'tHE COURT OF COMMON PLEAS
CtlMllERLAND COUNTY, PENNSYLVANIA
SUSAN B. saILL,
pIeintllf.
..
,-' t:- 31
Civil No.: 0') 'j Co! I
TATE It; KIRLIN ASSOCLA'tiS,
ll/l~ SHl!RM~ ACQUISrnON U l.L.r :
and SJtl!RJ'IolAN FINANCIAL GROUP Ltc:
DcfOllcbm<S.
JURY TR1AL OEMANCI;:O
COMPLAINT
COUN'r J - 1'li:NN8VL V Al'S\A .AIR Cll.EDlT 'EXTENSION UNIFORMITY A.g:
I. Juri.dictfon r~r \hi. Action i. ti~ 1>nd.,1h. penr.syl..nl. Palr Crcdf\ Sl:t...bn
Uniform!!y Act, 7) P,S. ~2270 01 l<q.
2. Violatlni pl'Ovition. of lb. !'ail Oobt CallootlQ\\ prat:\ices Aat also v\Qb.tc: tho
PllMsylvanl. peEU. 13 1'.5. p210.4(.).
3. Tbat Jefondant..,l&zgo<! in IlnLilIr tt1Cth04:s a[competillon lIJld unlilir or deceptive llllI.. Ot
procdae., alS dofll1lld by Fcr;U I.l1d tha ..gulotian., lnclutlinll bill not limite<! to. vi~Alic""
ofJ1 Pu.Co<lc~f303J(3), 303,3(\4), 303.3(18), 303.6 and 73 1>.5. 0201-2(4).
4. DeI.lrldlll1t:1' &Cl5 as deso:tiba<! bemi~ ~ dollll wilh maliolous, )lIlmtiOnA~ wiUful,
tecklm, n"llrigon! and _ 4imprd f<>r Plolntiff'. rlghlll with th. purpose of
""",,1"III'I.intiffto pay 1M allepd ~l.
S, All at..ull orthe abQve vlcllWon., PI,i.llIfi, .nUlIod 10 .<alulol)'. aclual, !:obi. .lId
~UILLllv. damqoa and atto'ney'. le$ allileosu.
WHEREFORE, plammr~u..u tn", I"" Hono,abl. Coon l..u.judgMent on hi~ beMlf
and ae'Ilil1S~ d.tea4ants (Il, a slatuto~ poMll)'. tlt.l. damaSl&, punitivo dllllliOSo attorney r...
on.! COIl. pUOIuant to 73 1',5. ~2270.s.
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 4 of 12
frOO/:
12Ill6I2Of>- \6:47 11513 P .004
COUNT rr - FAIR DEIlT mr..l"I!:C'nONPRACTICES ACT
6. Plaintiff bt:oby IIl~rporatc'lh. fotWlag OJ if fully sa~ rcrth \lorein.
7. JurIsdictIon (.rdU. action Itlll&Sertcd pU<wmtto lb. F~it Dobt CoII~lon PtllC!ic.. Act,
IS U.8.C.~169:!. .t~. ("l'DCPA'i,po.rtlcuWly IS \I.S.C. ~1692k(d) and 28 V.S.C.
fIn?
8. Velllle UOlIln thi~ Di.mCI pUl'!lLllll1t to 28 U.S.C. \391(b).
9. pJ;untlff j. on fnd.lvldlJal.ond conaumor p_1l> 15 V.S.C. il692a(31.
to. Oefelltlant Tate &; Kirlin AJSOClatol, i.i. busi..u antky{iec) "'&IlIlId in the bus...... of
oollWlil18 d.ebts In tltl& Commonwealth with its priru:'p..II'\1lQC .fbuain... Loclltl>lllt
2810 Scu1barnpIOI\Road, Ptlllacletphia, PAl9154.
11. nefendant Sutman Ae'luisWons II UP,...d its _I o''''\I>I.IIY, Shan""" fi".MIol
01001', LLC, .... busu.o.u cntll)'(i..) ~<lln ~ bu.ines. of ....Uectioll debts bllhis
Coaunonweolth, with i~ prillctpal plaoc ofb...,,"," 10ClllClla\ IS $. M.in SlIc:aI, SUite
600, OlettlV!lle, se 2960 I, Mdlcu4S0 Lo~lnl!lon AvenUt, Now 'fOlk, NY 10017, and/ot
9?00 RJchmoO<i Avenua, Bulle 160, HouSCll.. TIC 77~2.
J2. Defcndlllt3 aN! debt collcctcn..detlnod by l! U.$.C;, 11592J.(6).
13. Oefelldl<lt Tate &: Kitlin lusoci."", sell,( It;\ll:nl tJ> Pllllntilf, '"'\lid JBllUIJY 7, :lOOS.:wI
l'abrcary 9. 200S, which "" a .cutnmuniQUon." relating to B "deb(' s. lletinOli by 1 >
V.S.C. 1 1 692a(2).
14. Deft:.D!lsnt Slwman 01 aI., 8l:uag s, pd...ipal, ..~.<l, d\let\tO, controUod .JUlIQt
)lU'llOstL'ully"""bj.~ dat'endlnt rate &. Kirli" ....""ei.res, \0 anetnpl to cQU..tlbe all,ed
debl.
.;
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 5 of 12
Fnxn: 121C6/W 16:47 tti13 P.O[li
IS. Tho IImDUnl domandecl by TIW: & Kirlin.....""t.w, incre..ed from January " 2C<JS. to
11.: PtilMly?, ~Ws,loIIIr. Soc Atl3!:lled.
16. At all p.mne.nt tlmos hmto. 1he <lefend"1! WOl'O bl"'" 11;10011..11 tlebtnlating ~l'
oonsurn.,. ~on Illl dbflll.d by IS U.S.C. t 16923(5).. (Horalnan., 1m "Alleged
dom.")
17. Defond&nt OOmmUNIlI.1r1l wltll 'PWnllff 011 Or aft., one )'Da< before Ihe dlW! ef tbU. aoti<ln,
\n ec=tion wi!IL Qol~ offi>ml, by \ellen, lelepbOlll> oon1lct or orhor docu....'nts.
with tOSGrd 10 plolntiff', o1kiod debt.
13. PWar.ifr believes 100 1lteteflm II'Iel'llln" ~1lal\1S 1ft: 14111,,:& inlotosl, to.. lIlIli 005[3 jn
v,ol&tion at ~ ond C~tall.w.
19. Dtfetl<lam In <Is ooU.otion offOfta, <irlrlwl<lod Inttr<lSt, (iU ...cIe, "".IS In 'lio\otlon of tho
PDCPA,IS U.S.C. ~\69U(I)and 1692e(2)AIlldB.
2<J. ThOR WO!l .over an expteS5l\iloe.,enl by Plainliffto pay any acl.c!ltlol1&l rees. oos< or
Ifl1erOSC 10 Sherman Aequisillonsor any onts dabt .alleot<>....lllcludtl\ll dcfl:o.<lan\'Clla A
Kirlin Amc:lltCs, ond/or Sh.rn,,,,, Acqulildon n t.LP, Sharman Fi<Wll:iil Otoup r,Lc,
A10tlS Group LP, or ony ~ .~b.idiarylplJ'.nc""J:II1l'lIlY Qftlul Sl\ormltll~
campeni...
~!. 'n-.. rocPA state. \hill a vloUtlo. Or'tat. Jaw in violAllo. oftbe FDCPA. 15 U,:I.C.
~1692rL Pcnnsylvaolllaw!We$, in pcrtillont par~ 18 PLC.S. FJII:
"Unlawful collection ~""cY pracdce~
(a) Aso1snn'lent ofcl.tn,. 1I111i-wtill for a coUoctionageney, for lb. purp<lSO of
caU..1l1l3 or enJbtl:ins the payment lJ1"oof, k> Iako on ...iJlnmOllI of any $uch
claim from. .roditor, if 011 of tile followins apply:
1. TItc as,jgnmen[~eQ th~ ~rcdi(Qrs ADd ccllectltln aiOn<:y is in wrhlnll~
2. The orlsinal OlllOcmcnl betw..n tho creditor and doQtor doe'llOt pl'Chibil
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 6 of 12
Fe",,:
lZl06I2W'" \6:47 ~ 13 P .006
BSiigDmant$.
3. TlIe coltection.~.ney compile, witi, the lOt ofOO<>ember \7, 1968...
('0.1 )Ullllll! or dooeptiv. methods. II io Ulllawfill for II colle<:.or ro oollecl .ny
amo1l!lt. IncIUllInS any lmc...t fee, cblll'Sl' or Cltpe.,..In.cldenllll10 the principal
obUgation. unll:$\ such llIl\ouolU ""pr,slly pwvi<l<d In the "'Ill'"ment o",lIIng the
cIeOt "" ;1 ponnlaed by law."
22. PlaLotitfbellev"" ""d them are BVOlS Chat tho d.Ftndlll1~ do oat have ll'oper O$.linna"t
of har olaim, in vloJ&tion ofl',mnsylvani.,aw.
23. PJaintilThelicv.lllld tblll'$/br. a.." that defendallts do nat hlnte praper aso;glln",",.
and/or dac"",antllIion penni1lintl: Aid ~ to clwco 10=1, fue. andlor co.lI..
24. TIte PDCPA .tataa. "debt collector m'lJ' Bot u.. unl'ai. or unoonselolrablc lllOlIl1S to
collecl Oflllllmpc to ""lIoct ""y deb\. I' U.S.c. ~1692f. Oekncwlntvlola14d till! ,lOction
cr the FDCPA.
25. Thej'DCPA .tate. that. vJalalio" aflllll4law i.. violation .rtbe FOCPA. IS U.S,C.
~1.s92n. Defendant vlclllted thl..ccuol1ofll1e PDCPA.
26. Tho FOCPA .tates, a debt ""lIce!o! may nOI ... false, daoepllvc or mtaleadlu,
roJ,,,,,ento.tion Or """illS in connection wt!h the ..lI~t!onofll!ly deb,. I~ U.S.c. ~1692e.
Vefendant violot"! tltis DOttlon oftlw PDCPA.
27. '!'he fair Cr.,!i, Roporlllllla.. i$ U,S.C. il.Sib prnbibiull1$ltnprcpcr """cf.
tOn.sw:tlcr~1 CrediI infumWion.
28. ~ FI:lCPA '11''','' <lobt ooUeelD' ~ notengaieln my cond1.l~1 the n4tunll
col"ClCluence of which i. \Q har.... oppress or abuBe lIlY ""rson in <lOnnectlon witb the
coll..ticn or"debt. IS lJ.S.C. OI~9.d. Oel<ndmt violated thlo seotion oflh FD:PA.
29. The POCP A <tates, it is uol"wful to deliin. compllo Md fu.:aiah any fO.", knowin'l thai
such rontl would b. "oed 10 create the fal,. belleve in . co"",","" Cho: . polSOn oll.,r th&t
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 7 of 12
------. -~--~
From:
\2I06I20(IH6:48 iIOlS P ,(07
1M credItor of iUOh oon'Ulno,lt ~amtl~njl In 1he oo\loction .r.r ill lIl1artcmpt III
coUllCt. <lobt .~ol, 0001ll"''' .s1.~ly owi3..<h m~IIOl. whon in facl such I'll"Qn Ii
nel aa p<tIlcipalinz, 15 U.S.C, iI69<j. o..r.nd8llt viololed tllis HOlt.n ef the mCPA.
30. Ttle fDCI'I\p"'vid"~n liihtslO1h6 CQtlimn;r ~aard""hcr right to diipuQ, tl1.
all. deht, IS U.s.C, Il~928' Oof..<l.", viol.ted this ...don .ftl1.c1"DCPA,
31. The ?DCPA,...,.., it i, un14wl\ll to add la.....l, .hlllies. i... n' orhot <:<llts unl",.
G.Ulborized by ~w or oonuo.et; Pt&il>tift dou \lOt bAv.. oonnot wllh Defi:oulonr.
15 U,S.C. t1692f and ! 1692c1Z)(A) "lld (8). Def<molanl vlola~ tills .Il:ctlon .ftho
FCCPA.
32, OerOlldonl'. ceUoot<Qn oolllmuni..tions wt;rc lmOllU.nally confUJill& mislead 1"11 .nd
olherNlsc decept.ivcl<l tho PlAill1ilT.. in vlol&t\an<>fIS V.S,C. ~1692.(Sl...d (10).
33, n.r.lldant', e.l1IIlllllllcui.ns....lllIld '" fils.......or~ on me pa:lt oCPlllinlifl'in
violation anll. roCI' A.
34, Oofc~dant.l.ttel,(ll'<d Plaintl(f&i.tll~.nl.<:&l>8lng nor", boliov.Uttptlon \\a5
immu-t.
J" Oof..dant r~e 8l: Killin A"o~lal>>..IICl"bcIl!, mlsle&ll'lllintlfl' Into bclievu,stbl\l It Illw
rum woo allBmptill\: III co!l<Ct the altcgcd deb!.
36. AIll' tlUW ofUd.gatIonli false If!lu: dd'endant ",,",y, ...esconsumor debtors or ifrhc
defendant did not ic(.n:d to SlJl:l, the. 'Pla.i.ntiff. Bentl\! v Orcit l..3k.., Colloc.~ion 9urIWL 6
FJd 62 (2d Cu:, 1998), S...IIO, IS U.S,C. sl~92t(S), IS \J.g,c. U 692e(1 0).
37. At all lime ~= ~tcto, the dellladant w.. lcti,,! by IIlld lMltIgh its a;enOJ, '.rVWlts
oadIor employeCo'>, who we.. \\\:\ina witbin the SI>.p" and course nfllltlr employme..t, lad
under the dir.", suporvl.ion and .annat af thJt d.m:n.lants h.",,1I.
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 8 of 12
FrOll: 121lJ612()1"'-16:50 RS13 P ,014
38, Al alllilnos p"<tinclU h.OIto, Ill. conduct o(doCendan, as ....I1..,heil' 8gOlIts, '~'011",
a.dlor employees, was Inolidoua,ln=ntlollAl, willl\JI, ,.old.... n.ell~nT and in We.ton
diSlWJllUd torre<lollll and sl.JIo t.w ..d lb. rtsbts oflb. Plaintiff betein.
39. Defendint'slemn __ InmlllIonsl\)' confusing 4lld cIoGepIi~ in \'lolatlon of 15 tJ.S_C.
~\6920(5) end (IU), t\69lf(~) 0llJl jl692j.
4U. P\lIl1Uiffwes confuood., deceived aM believed llw litisaaOlt wes Immlnenr ir.sUhmont
waa nul m&l1c.
41. l'ba lbon mOnllo""d w:s with 'IlppOrli:l1l cu.. <lomo..w.ne'lh.1 the conduct of
doro:o.rlanlS tis.. to It\; 'o....l nnded fur ""nirive aamaitli-
42. ~r.""U1t, in it> c:olloorl9n.m.rts, ~IQIUcd \he FDCPA, 1m, oIia, :>eOllo"" 1692. b, c, d,
elf f. i~ b~ and/or n.
43. Ocfendant. in its collection afTorta. u>ed fal!e Qrd~epll'lll &c" and imended to opprw
.Jllllwes. plailllifl'.
44. Th:al, as a resWt of the Wl'OlI;1\lI taoUco of defcnOJU\t. as al\)romcntlollOd, plaintit'l' bM
been subjected to 4lIXi~, harU1lt\el\1. ltttlmid&Qon and UJ.'IQ~ fo, which
C01npltlSaOOJ:l b: :SOUlht
WHEaEFORJ:. 1'lainriffrcIPoctlWly req\lOlll that his HollOlable Court enlCr jud~ent
on hill b.b.'lif 8lld aaal""! defendAm md II'" on Older:
(A) Awli'd plaJntlft'rlatutory ~..lll th4 amounl of One Thousand Doll!ll1
($1,000.00) for ...eh viola~on or tM FDCP A or...b...pon.te IllJ<\ disc",.
i~idetlt in which defendant> !live viol&ted lhc fOCPA.
(1;1) Award Plaiotitl'aenertl d."",ge' and punitivo damage. tOr UlXiety. harllS:lmOl'.t,
and intilDidatioc dm,e(~ llt him in an amounlnollm than Ten Thauaand :)Ollus
.,
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 9 of 12
Fro.:
1211)B1'lO"" 16:48 filS P.OO3
(510.000.001, II> woll as 1M "'pelt~v. natunl of d.fondanl.ll\,rm l,lIt....
(C) Award l"]nindfYCO$lSofthi.llligJI~ClI. Inoludj'lII" n:uon&blo at'lOtMy', f<le at.
rate of~SO.OO/\lI!llr fOr hO\ll' reuonabIY"pelldt~ by hi..,ttnmey in vindicating
hi; riihu~, tho PDCI'A. pMnitttd by 15 US.c. ~1<l92k(")(3).
(D) Award dllctoroo\'Y anCllnJllnOtiV' reJic& and sucl1 othec Wi.f..lhis t\otWnobl.
COUl< do.ms n....'1I1 Md propel' or ~ or .q\llt;' moy provide.
~O()NT ill . CLASS ACfION
4~. Plaiabffh"'*r llloorpon~ the fotago;IIi'" it fill1y 'oll<ilth lIereln.
46. Federal Rulo or Civil Procedure, 23, permhla.~ action if cemin orilerl. sr. met.
~7. The FDCPA pennilll cl45f .mlon. tS 1.I.S.C. 91692k(.)(%XB~
48, In thi, ."', .U d.reMan!> c~ unlawful inlere$1, feca on<ller chlU"<!$, in vio\4tion of
'llIte:and foOmltaw.
49. In 1111. =e, all ~~ndt.nls failtllllC oomply wilh pOnNylvaala lAW, 18 Pa.C.S. ~7J 11 eI
6e{l.
so. in thl. CA!O. ddcndanlO' lclIer eentallll<! false, dcoe(>tivo and mlsleedl1'i Stllte\\l<e:s.
51. Thi. :action ....]a . declAllllion that tbo font! of dofendants' oolleotiQ[det.:niol.~ \l16
FDCl'A
52. 1,,1. ,,,,Uon ...k, . d""lilrntWn Ib,t clo1'ertdlll'" collection prllCtie.. violll<d tho FDCP A.
53. Th. Cia.. OOl\$i&ll5 of oil pcrsono who =ivcd. collecdeD Jclter identical or .lmili' \<l
the l.tlel'S atw:llc:d as Exhibit A and 8.
54. Plaintiff's o!lImullllyplciil ofrho ol~~ oftn.CIAss.
55. I, iJ onllnowo"'w moay Jotten wort sent by ..en dd'Ondant, .. BUOh. Plainttfl' b.ll~u
and lhetefore avm that the number .l<Cee~. 100 persons.
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 10 of 12
Froo:
12lO6/2C[F"'6:48 h51S P.OO9
56. Colll/llOn t\l~f i. t&e'ef'll'C '''''aht Ol\ boholf of all 1110mb"", of th. C10:l..
$1. 'ibiB Cl... Aotl~n I~ sQporior'~ other unil.ble methodl Cor the: wr and eMoien!
~udlCl.tioll oCt~s OQIltro""y.
Si. The p<oeeclulian ofe.p;II.... oclion by irulivld\l8.l memben ohho ow. would ercar.. a r(sk
of 1_llOlslsDI 0' ..ryi"ll8dJudioarioas witll ~~I '" lhelnQivld\l8.l memb... 01'1110
Cl.... an<! ~ ri.<k lhot ~l\Y adjudiClllions with r~peot lClll1A> i_Is of 1M other "'.mb..,..
of tho> Class W<luld, lIS a ptaClll;lll llllltl!r. either b.dl1po.itiv~ oflhe In\eteOlll ofll'l1m'
Dltrnbcni ~tlM Glil$i 110. Pany (0 thudjudleatlollnr wostfiClda.lly impllil 01 impllde their
ability ro pralioot llleir intereats. DoftnclanlS &0<4d in.. manner aw\\tlIble to tho CI...... .
whole tbat wart'Ilnl! lIecllrzt<>ry reUef.
59. Tho I'lointiff'wUl fairly Ill<! odaquato pro,cclllDd 18P"'1elI1 tho ~ of lh~ Cta.... The
man1&orntnt of lh~ Cia" ""llon Proposod i. nol e~trtordinarily diffioult Ill<! tM ijlC\ual
and ICllSl Issue. ,aisod will 1101 require ~ COnWlt with the members a! thI: ':(us
boc;auso defendant's cOllduclWtiporparrllccl on.lI """,be" of tho C!a$$sad wil. b..
..tab!ished by COmmOn prooC. PWnttl1'. counsel, attomo:y. SOl'1ICCO llIlo;l Ro.en.
plU'lial1"'lecl as <omoy> in ow. ootloN bl'Ouant pllr.lUlUlI tl:l tho FDCPA.
60. Civon thI: nlllU.o Qrd.t.adanl$' pl1lOti.... it I. Ukel~ lhat otherconsu= io
P.unsylllallia b&ve been harmed by ~ practioo..
61. Tho law fltm. ofKl'cvsky 8t. Ro.o", Looatl>d &11101 North front Stroe~ ffarriabu,&.
Pellnaylvania, havI a~ to ..\lOr il:l appear~ "" <JOoo:oun..l to ....ure thl! Plalntilri
COUll>cl wr\! haY.. adequote reiOuro.. to "'Pm.ntlha or....
62. This actioa could be b.ndled .. a n~noli.. .1.... ond Is i\lporior ro lhe aJterlUltiv<'.
hun<lre<ll ofFennsylVllnl. mid.nts tiling ~parate fl:lCPA actioOI.
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 11 of 12
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From: lYC6/2t)""" 1.6:48 1613 P .010
53. Plal.tiffrespo<:ltillly roquosts 'full this HOll<lrab~ CeOft """,id.. the frequency it,d.
pe",,,,",,,' of derendllll:!' non-tompllanc.. tho natute of defeudallts' 1lOl\-.omplhll~
Iil1d the obvious Intendollll oaturo of thIl ~l1datuS by failill& .., ~.rif:l wbetlw l.1e
coUectioa al\lo\lllt 15 valid. u required by Ponnsytvanla law. r..lure \0 iIltul'll the ",o""r
authorintion. lIS N<[ulted by Penll.lyIYlIli.law 8I1d luge04l\'ol, oUcml'llnlll0 d....iYl!
Pennsylvanla C01lllU"l<l",
64. l'l"intifftespeetfully rcq\ll!$l' tIlatlltl.lior.otable Court =lfy ths oloss ...d aWlll~ .uch
=UIlt foyellCh """",d'l'lalntlff; $1.000,00, pillS such llItloW\t as this HOJIo..bl. <:ourt
n~ allow Cor all otMreW$lIlOII\bcrs, wilhout "'Ellfd ro" mlnlMumafSSQO,OQO,QO or
ono POII:ont of1he J1~ Wl'Oth of tile debl o:oUeOlOf, and atUl~ reesofS3S0.00 pot ilOllt,
llIltlllOm .. ....onably deterllllned by this Ho.orabl. CourL
WIlEREl'ORl!, ]>~dffl'OopectfI<JJy tequest5 Ibat chi, ROlll/tabl. Coun
a. Cfll'lity tho olAss,
b. Appoint Plalntiff ~ repJ'llSant tbe membm of tile cia.
c. Appoint Doanoa L>'l'n 6arlCCO Illlllh= ts.w llllll ofKl1:\'iky &. Rosell911,xutule\
for tho c1uo,
Ii Deolare \hill d.Ccrxlants' letter vlolllod rhl FDCPA. by threatenU\l! ~ lelJ'll! an
;alleged deOr In elCCelS of ~YOl1 yea""
e. Docl..... thaI dofondanls' praOllcos oft.dding unl.wM oOlltOlion reo. violat,d
rennsylVilni.law.nc1 tho FDCPA,
, .
Case 4:05-cv-02644-JEJ Document 1-2 Filed 12/21/2005 Page 12 of 12
From:
1VOO120"''' 16:49 11513 P .011
f. SntU )".",..11 in m.Qt Of Plalndff an4 4,. CIa.. and aioln5t O.f.nd",,' ~ fur
staro",\')' ~=_ c<>It3l11lll rcuonabie allCl'lley fees in th. lIM"n! ofS3.>0.00
g.
pc< nC\lr,
Oto,nt ""'h fuMe. .-licr.. tn\31'loM.nble Coun d
tan pr or.
DaUl<!: 1111SIO'
By;
Doanna L~nn arll(\C()
;'''''mt!!J fOt Plaintiff
76 Ortl!lllllont Drive
EooI.. Pe\Uli~lv...i. 170JS
Tel.pho~ 717-732-3150
Pa" 711-72&:-9491
Ell\nU~ Sara..otow@aoI.C<llTl
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