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Home My WebLink About06-4324 Itt..04.Y?J...1 ~ lb- IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA MITCHELL TITUS, 629 Bosler A venue Lemoyne, P A 17043 PORTFOLIO RECOVERY ASSOC. LLC. P. O. Box 12914 Norfolk, VA 23541 Plaintiff( s) & Addresses Defendant(s) & Addresses PRAECIPE FOR WRIT OF SUMMONS TO THE PROTHONOTARY OF SAID COURT: Please issue writ of summons in the above-captioned action. Writ of Summons shall be issued and forwarded to (X ) Attorney ( ) Sheriff. Deanna Lynn Saracco, Esquire 76 Greenmont Drive Enola, Pennsylvania 17025 Phone 717-732-3750 SaraccoLaw@aol.com I)Q~PM . Signature of Attorney Dated: 7/31 Jora WRIT OF SUMMONS TO THE ABOVE NAMED DEFENDANT(S): YOU ARE NOTIFIED THAT THE ABOVE-NAMED PLAINTIFF(S) S/HA VE COMMENCED AN ACTION AGAINST YOU. Pr Dated: ~ 31, ~~tl{, By: Deputy r 't ~ ~ ::::J . ~ (.; 'I-> - - . ~ - - '" " v-, \/\ (.,~*' 'e -" IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA MITCHELL TITUS, Plaintiff, v. Civil No.: 06-4324 PORTFOLIO RECOVERY ASSOC. LLC. Defendant. CIVIL ACTION 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 other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street, Carlisle, P A 1-800-990-9108,717-249-3166 NOTICIA Le han demandado a usted en 1a corte. Si usted quire defenderse de estas demandas expuetas en las paginas siquientes, usted tiene viente (20) dias de plaza a1 partir de 1a fecha de 1a excrita 0 en persona 0 par abogado y archivar en 1a corte en forma excrita sus defensas 0 sus objectiones alas demander 1a corte tomara medidas y puede entrar una orden contra usted sin previa aviso 0 notificacion y par cualquier queja 0 alivio que es pedido en 1a peticion de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantes para usted. LLEVE ESTA DEMANDA A UN ABOGADO 1MMED1ATAMENTE. 5I NO T1ENE ABOGADOO 51 NO T1ENE EL D1NERO SU,1C1ENTE DE RAGAR TAL SERVICION, VAYA EN PERSONA 0 LLAME POR TELE,ONO A LA OFIC1NA CUYP, DIRECCION 5E PlIEDECONSEGUIR ASISTENq-Ij LE;.GflL. ,-.', 1-\ ~rl ::-f ,'~ ~T",' ) ,-- v -c.., i',) ;IJ ".,.) <, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA MITCHELL TITUS, Plaintiff, v. Civil No.: 06.4324 PORTFOLIO RECOVERY ASSOC. LLC. Defendant. CIVIL ACTION JUR Y TRIAL DEMANDED COMPLAINT COUNT I - PENNSYLVANIA FAIR CREDIT EXTENSION UNIFORMITY ACT I. 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 Collection Practices Act also violate the Pennsylvania FCEU, 73 P.S. 92270.4(a). 3. That defendant engaged in unfair methods of competition 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. S201-2(4). 4. Defendant's acts as described herein were done with malicious, intentional, willful, reckless, negligent and wanton disregard for Plaintiff's rights with the purpose of coercing Plaintiff to 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 Plaintiff's behalf and against defendant for a statutory penalty, treble damages, punitive damages, attorney fees and costs pursuant to 73 P.S. 92270.5. COUNT II - FAIR DEBT COLLECTION PRACTICES ACT 6. Plaintiff hereby incorporates the forgoing as if fully set forth herein. 7. Jurisdiction for this action is asserted pursuant to the Fair Debt Collection Practices Act, 15 u.S.c. SI692, et seq. ("FDCPA"), particularly IS U.S.C. SI692k(d) and 28 U.S.C. S1337. 8. Venue lies in this District pursuant to 28 U.S.c. 1391(b). 9. Plaintiff is an individual, residing in Pennsylvania, and consumer pursuant to 15 U.S.C. sI692a(3). 10. Defendant Portfolio Recovery Assoc., LLC., is a business entity(ies) engaged in the business of collecting debts in this Commonwealth with its principal place of business located at P. O. Box 12914, Norfolk, V A 23541. . II. Defendant is a debt collectors as defined by the FDCPA. 15 U.S.C. 11692a(6). 12. Defendant sent letters to Plaintiff dated July 17,2006, which are "communications" relating to a "debt" as defined by 15 U.S.C. I 1692a(2). 13. At all pertinent times hereto, the defendants were hired to collect a debt relating to a consumer transaction as defined by 15 U.S.c. S 1692a(5).. (Hereinafter the "alleged debt.") 14. 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 documents, with regard to plaintitl's alleged debt. 15. Plaintiff believes and therefore avers that defendant added interest, fees and costs in violation of state and federal law. 16. Defendant in its collection efforts, demanded interest, fees and/or costs in violation of the FDCPA, 15 U.S.C. ~1692f(l) and 1692e(2)A and B. 17. There was never an express agreement by Plaintiff to pay any additional fees, cost or interest to Defendant or any of its agents. 18. The FDCPA states that a violation of state law is a violation of the FDCPA. 15 U.S.C. ~ I 692n. Pennsylvania law states, in pertinent part, 18 Pa.C.S. 91311: "Unlawful collection agency practices. (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 creditors and collection 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. I )Unfair or deceptive methods. It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law." 19. Plaintiff believes and therefore avers that defendant does not have proper assignment of the claim, in violation of Pennsylvania law. 20. Plaintiff believes and therefore avers that defendant does not have proper assignments and/or documentation permitting said defendants to charge interest, fees and/or costs. 21. The FDCP A states, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.c. ~1692f. Defendant violated this section of the FDCP A. 22. The FDCPA states that a violation of state law is a violation of the FDCPA. 15 U.S.c. ~ I 692n. Defendant violated this section of the FDCP A. 23. Defendant's initial communication, dated July 17,2006, failed to properly identifY the alleged debt, simply stating that defendant's client was "Fourscore Resource Capital LLC." 24. Plaintiff could not respond to defendant's initial communication because he had no knowledge of a creditor, past or present, named "Fourscore Resource Capital LLC." 25. Plaintiff believes and therefore avers that he does not owe the alleged debt. 26. Plaintiff believes and therefore avers that the alleged debt is well past 7 years old. 27. Agents of defendant advised Plaintiff that the only way to clear his credit was to pay the alleged debt, well over 7 years old, if owed. 28. Defendant's letter stated that, "Portfolio Recovery Associates purchased this account from Fourscore Resource Capital LLC... at that time, a letter was sent to you notifying you of the purchase of this account." 29. Plaintiff never received such a letter. 30. Plaintiff disputes the alleged debt. 31. The FDCP A states, a debt collector may not use false, deceptive or misleading representation or means in connection with the collection of any debt. 15 V.S.c. ~1692e. Defendant violated this section of the FDCP A. 32. The Fair Credit Reporting at, '5 V.S.C. ~'681 b prohibits the improper use of a consumer's credit information. 33. The FDCP A states, a debt collector may not discuss the consumers alleged debt with a third party. The Defendant violated this section of the FDCP A. 34. The FDCPA states, a debt collector may not engage iJil any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. IS V .S.C. ~ I 692d. Defendant violated this section ofthe FDCP A. 35. The FDCPA provides certain rights to the consumer regarding her right to dispute the alleged debt, IS U.S.C. S1692g. 36. The FDCP A states, it is unlawful to add interest, charges, fees or other costs unless authorized by law or contract; Plaintiff does not have a contract with Defendant. 15 V.S.C. sI692fand SI692e(2)(A) and (B). Defendant violated this section of the FDCPA. 37. Defendant's collection communications were intentionally confusing, misleading and otherwise deceptive to the Plaintiffs, in violation of IS U.S.C. S I 692e(5) and (10), S I 692f(8) and S I 692j, see also, In re Belile, 208 B.R. 658 (E.D. Pa 1977). 38. Any threat of litigation is false if the defendant rarely, sues consumer debtors or if the defendant did not intend to sue the Plaintiff. Bently v. Great Lakes Collection Bureau, 6 F.3d 62 (2d Cir. 1998). See also, 15 U.S.C. sI692e(5), IS V.S.C. sI692e(lO). 39. At all time pertinent hereto, the defendant was acting by and through its agents, servants and/or employees, who were acting within the scope and course oftheir employment, and under the direct supervision and control of the defendants herein. 40. At all times pertinent hereto, the conduct of defendant as well as their agents, servants, and/or employees, was malicious, intentional, willful, reckless, negligent and in wanton disregard for federal and state law and the rights of the Plaintiff herein. 41. Defendant's letters were intentionally confusing and deceptive, in violation of 15 V.S.C. sI692e(5) and (10), SI692f(8) and s1692j. 42. Defendant's June 26, 2006, letter offered Plaintiff a settlement of her claim, despite the fact that in the initial communication, she could not dispute the alleged debt because the original creditor was not identified. 43. Defendant's June 26, 2006, letter offered a settlement which led Plaintiff to believe that she could no longer dispute the alleged debt. 44. Plaintiff was confused, deceived and believed that litigation was imminent if settlement was not made. 45. The above mentioned acts with supporting cases demonstrates that the conduct of defendants rises to the level needed for punitive damages. 46. Defendant, in its collection efforts, violated the FDCP A, inter alia, Sections 1692, b, c, d, e, f, g, h, and/or n. 47. Defendant, in its collection efforts, used false or deceptive acts and intended to oppress and harass plaintiff. 48. That, as a result of the wrongful tactics of defendants as aforementioned, plaintiff has been subjected to anxiety, harassment, intimidation and annoyance for which compensation is sought. WHEREFORE, Plaintiff respectfully requests that his Honorable Court enter judgment for Plaintiff and against defendant and issue an Order: (A) A ward Plaintiff statutory damages in the amount of One Thousand Dollars ($1,000.00) for each violation of the FDCP A or each separate and discrete incident in which defendants have violated the FDCPA. (B) Award Plaintiff general damages and punitive damages for anxiety, harassment, and intimidation directed at Plaintiff in an amount not less than Ten Thousand Dollars ($10,000.00), as well as the repetitive nature of defendants form letters. iGJ) Award Plaintiff costs of this litigation, including a reasonable attorney's fee at a rate of$350.00/hour for hours reasonably expended Plaintiffs 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 Dated: 8/1/06 Court deems necessary and proper or law or equit By: Is/Deanna vnn aracco Deanna Lynn Saracco, Attorney for Plaintiff 76 Greenmont Drive, Enola, P A 17025 Telephone 717-732-3750 Fax 717-728-9498 Email: SaraccoLaw@ao1.com ....,-. ,'-.-' ) ~\ :=1 .....--; , . Sharon M. O'Donnell, Esquire Christopher J. Comad, Esquire Marshall, Dennehey, Warner, Coleman & Goggin 4200 Crums Mill Road, Suite B Harrisburg, PA 17112 (717)651-3500 Attornevs for Defendant. Portfolio Recovery Associates. LLC MITCHELL TITUS, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. CASE NO.: 06-4324 CIVIL TERM PORTFOLIO RECOVERY ASSOCIATES, LLC, DEFENDANT CIVIL ACTION LAW ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter the appearances of Sharon M. O'Donnell, Esquire and Christopher J. Comad, Esquire as counsel for Defendant, Portfolio Recovery Associates, LLC, in the above captioned matter. Respectfully submitted, MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN BY; CHRISTOP R J. CONRAD, ES J.D. NO. 202348 4200 Crums Mill Road, Suite B Harrisburg, P A 17112 (717) 651-3500 Date: ?/ /r ( <X4 ., . CERTIFICATE OF SERVICE I HEREBY CERTIFY that I served a true and correct copy of the foregoing on all counsel of record 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: Deanna Lynn Saracco, Esquire 76 Greenmount Drive Enola, P A 17025 MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN DATE: f I, ~I Uk> BY: \05 _A\UABISMOOONNELLICORR\229I2511LKA W ALEClI 5000\50000 a S <-~ -(Jill r1"!I'1 ~:;? c).?:l.;. r't. <:: 2;(~ ",,-.( I P'C ~ -< r" . ,...., <=> = "" ,... c:: '"" C> .." ~~ ~~ --c: .. D:D z:>i1 ~ ~ 0'\ -0 ::lI: ~ o (}'l 01.:.- 42;;H. Ci(_>LLT~ Sharon M. O'Donnell Marshall, Dennehey, Warner, Coleman & Goggin 4200 Crums Mill Road, Suite B Harrisburg, PA 17112 (717)651-3503 Attorneys for Defendant, Portfolio Recovery Associates, LLC IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA MITCHELL TITUS, PLAINTIFF CASE NO.: v. JUDGE: PORTFOLIO RECOVERY ASSOCIATES, LLC, DEFENDANT CIVIL ACTION LAW FILED ELECTRONICALLY NOTICE OF REMOVAL Defendant, Portfolio Recovery Associates, LLC ("Portfolio Recovery"), by and through its counsel Marshall, Dennehey, Warner, Coleman & Goggin, hereby moves this Honorable Court, pursuant to 28 U.S.C. S144l(b): 1. Portfolio Recovery is a Defendant in an action pending in the Pennsylvania Court of Cornmon Pleas for Cumberland County, Civil Action No. 06-4324. Portfolio Recovery received a copy of the Complaint on or about August 4, 2006. A true and correct copy of the Complaint filed under docket no. 06-4324, is attached hereto as Exhibit "A". 2. Plaintiff in the state court action is Mitchell Titus. 3. Plaintiffs state court action alleges, inter alia, violations of the federal Fair Debt Collection Practices Act, 15 U.S.C. g 1 692a, et seq. 4. The state court action involves a question of federal law. Pursuant to 28 U.S.C. gI441(b), "any civil action of which the district court shall have original jurisdiction founded on a claim or right arising under . . . the laws of the United States shall be removable." 5. Since this case arises out of an alleged violation of the federal Fair Debt Collection Practices Act, 15 U.S.C. g1692a, this Court may properly remove the state court action based on 28 U.S.C. gI441(b). 6. Written notice of the filing of this Notice of Removal shall be given to all parties, as required by 28 U.S.C. gI446(d). 7. This Notice of Removal is timely, being filed within thirty (30) days of the date of service of the Complaint setting forth the claims for relief upon which this action is based. 28 U.S.C. gI446(b). 2 WHEREFORE, Defendant Portfolio Recovery Associates, LLC, requests that the within action be removed from the civil docket of the Court of Common Pleas of Cumberland County to this Court for further proceedings. Respectfully submitted, ~RSHALL,DENNEHEY,VVARNER COLEMAN & GOGGIN y: S I.D. CH STOPHER 1. CONRAD, ESQUIRE I.D. NO. 202348 4200 Crums Mill Road, Suite B Harrisburg, P A 17112 (717) 651-3503 Attorneys for Defendants Dated: ~'11 b lOb 3 TN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NOTICE TO PLEAD TO THE DEFEND~NAMED HEREIN: ..-- You have been sued court. If you wish to defend against claims set forth in the ollowing pages, you must take action ithin twentv (20) davs after this Complaint is served, by entering a written appearance personally or by attorney and filing in writing with the rt your defenses or objections to he claims set forth agai you. You are warned that if you '1 to do so, the cas proceed without further notice for any im~ t Complaint, or for any other claim or relief req~e he 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 AFFOiUl ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU C1lN GET LEGAL HELP. Cumberland County Bar Association 32 S. Bedford Street, Carlisle, P A 1-800-990-9108,717.249.3166 NOTICIA Le han demandado a usted en la corte. Si usted quire defenderse de estas clemandas expuetas en las paginas siquientes, usted tiene viente (20) dias de plaza a1 partir de 18 techa de 1a excrita 0 en persona 0 por abogado y archivar en la corte en forma excrita 5US defensas 0 SllS objectiones alas demande, la corte tomara medidas )' puede e;1trar i.Hla orden contra usted sin previa aviso 0 notificacion y por cualquier queja 0 alivic que es pedido en la peticion de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantes para usted. LLEVE E5TA DEMANDA A UN ABOGADO 1MMED1ATAMENTE. 51 NO TIENE ABOGADOO 51 NO TIENE EL DINERO 5UFICIENTE DE P~GAR TAL 5ERV1C10N, VAY~ EN PERSON~ 0 LLAME POR TELEFONO A LA OF1CINA CUYA D1RECC10N SE PUEDECONSEGUIR Asr5TENC1A LEGAL. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLV ANIA I I I I. I I I MITCHELL TITUS, Plaintiff, v. Civil No.: 06-4324 PORTFOLIO RECOVERY ASSOC. LLC. Defendant. CIVIL ACTION JURY TRIAL DEMANDED COMPLAINT COUNT 1- PENNSYLV ANIA FAIR CREDIT EXTENSION UNIFORMITY ACI' I. Jurisdiction for this Action is asserted under the Pennsylvania Fair Credit Extension Uniformity Act, 73 P.S. g2270 el seq. 2. Violating provisions of the Fair Debt Collection Practices Act also violate the Pennsylvania FCEU, 73 P.S. 92270.4(a). 3. That defendant engaged in unfair methods of competition 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. Defendant's acts as described herein were done with malicious, intentional, willful, reckless, negligent and wanton disregard for Plaintiff's rights with the purpose of coercing Plaintiff to 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 Plaintiff's behalf and against defendant for a statutory penalty, treble damages, punitive damages, attorney fees and costs pursuant to 73 P.S. 92270.5. COUNT II - FAIR DEBT COLLECTION PRACTICES ACT 6. Plaintiff hereby incorporates the forgoing as if fully set forth herein. 7. Jurisdiction for this action is asserted pursuant to the Fair Debt CollecIion Practices Act, IS V.S.C. ~1692, et seq, ("FDCPA"), particularly 15 V.S.C. ~1692k(d) and 28 V.S.c. ~1337. 8. Venue lies in this District pursuant to 28 V.S.C. 1391(b). 9. Plaintiff is an individual, residing in Pennsylvania, and consumer pursuant to 15 V.S.c. ~1692a(3). 10. Defendant Portfolio Recovery Assoc., LLC., is a business entity(ies) engaged in the business of collecting debts in this Commonwealth with its principal place of business located at P. O. Box 12914, Norfolk, VA 23541. . II. Defendant is a debt collectors as defined by the FDCP A. 15 V.S.C. I I 692a(6). 12. Defendant sent letters to Plaintiff dated July 17,2006, which are "communications" relating to a "debt" as defined by 15 V.S.C. I I 692a(2). 13. At all pertinent times hereto, the defendants were hired to collect a debt relating to a consumer transaction as defined by IS V.S.c. ~ 1 692a(5).. (Hereinafter the "alleged debt") 14. 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 documents, with regard to plaintiffs alleged debt. 15. Plaintiff believes and therefore avers that defendant added interest, fees and costs in violation of slate and federal law. 16. Defendant in its collection efforts, demanded interest, fees and/or costs in violation of the FDCPA, 15 U.S.C. ~ 1692f(l) and I 692e(2)A and B. 17. There was never an express agreement by Plaintiff to pay any additional fees, cost or interest to Defendant or any of its agents. 18. The FDCPA states that a violation of state law is a violation of the FDCPA. 15 U.S.C. ~ 1692n. Pennsylvania law states. in pertinent part. 18 Pa.C.S. P311: "Unlawful collection agency practices. (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 aU of the following apply: I. The assignment between the creditors and collection agency is in writing; 2. The original agreement between Ihe creditor and debtor does not prohibit assignments. 3. The collection agency complies with the act of December 17, 1968... (b.I)Unfair or deceptive methods. It is unlawful for a collector to collect any amount, including any interest, fee, charge or expense incidental to the principal obligation, unless such amount is expressly provided in the agreement creating the debt or is permitted by law." OJ 19. Plaintiff believes and therefore avers that defendant does not have proper assignment of the claim, in violation of Pennsylvania law. 20. Plaintiff believes and therefore avers that defendant does not have proper assignments and/or documentation permitting said defendants to charge interest, fees and/or costs. 21. The FDCP A states, a debt collector may not use unfair or unconscionable means to collect or attempt 10 collect any debt. 15 U.S.C. ~ 1692f. Defendant violated this section of the FDCPA. . 22. The FDCPA stales that a violation of state law is a violation of the FDCPA. 15 U.S.c. ~ 1 692n. Defendant violated this section of the FDCP A. 23. Defendanl's initial communication. dated July 17,2006, failed to properly identifY the 29. i 30. I '1 31. i I i i I ! 32. alleged debt, simply stating that defendant's c1iem was "Fourscore Resource Capital LLC." 24. Plaintiff could not respond to defendant's initial communication because he had no knowledge of a creditor, past or present, named "Fourscore Resource Capital LLC." 25. Plaintiff believes and therefore avers that he does not owe the alleged debt 26. Plaintiff believes and therefore avers that the alleged debt is well past 7 years old. 27. Agents of defendant advised Plaintiff that the only way to clear his credit was to pay the alleged debt, well over 7 years old, if owed. 28. Defendant's letter stated that, "Portfolio Recovery Associates purchased this account from Fourscore Resource Capital LLC... at that time, a letter was sent to you notifying you of the purchase of this account." Plaintiff never received such a letter. Plaintiff disputes the alleged debt. The FDCP A states, a debt collector may not use false, deceptive or misleading representation or means in connection with the collection of any debt. 15 U.S.C. g1692e. Defendant violated this section of the FDCP A. The Fair Credit Reporting at, 15 U.S.c. 91681 b prohibits the improper use of a consumer's credit information. 33. The FDCP A states, a debt collector may not discuss the consumers alleged debt with a third party. The Defendant violated this section of the FDCPA. 34. The FDCP A states, a debt collector may not ellgage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection ofa debt. 15 U.S.C. g1692d. Defendant violated this section of the FDCPA. 35. The FDCPA pl'ovides certain rights to the consumer regarding her right to dispute the alleged debt, 15 V.s.C. ~1692g. 36. The FDCP A states, it is unlawful to add interest, charges, fees or other costs unless authorized by law 01' contract; Plaintiff does not have a contract with Defendant. 15 V.S.C. ~1692fand ~1692e(2)(A) and (B). Defendant violated this section of the FDCPA. 37. Defendant's collection communications were intentionally confusing, misleading and otherwise deceptive to the Plaintiffs, in violation of 15 V.S.C. g1692e(5) and (10), ~ 16921t8) and ~ I 692j , see also, In re Belile, 208 B.R. 658 (E.D. Pa 1977). 38. Any threat of litigation 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 V.S.C. ~ I 692e(5), 15 V.S.c. S1692e( (0). 39. At all time pertinent hereto, the defendant was acting by and through its agents, servants and/or employees, who were acting within the scope and course of their employment, and under the direct supervision and control of the defendants herein. 40. At all times pertinent hereto, the conduct of defendant as well as their agents, servants, and/or employees, was malicious, intentional, willful, reckless, negligent and in wanton disregard for federal and state law and the rights of the Plaintiff herein. 41. Defendant's letters were intentionally confusing and deceptive, in violation of 15 V.S.C. gI692e(5) and (10), ~1692f(8) and sI692j. 42. Delendant's June 26, 2006, letter offered Plaintiff a settlement of her claim, despite the fact that in the initial communication, she could not dispute the alleged debt because the original creditor was not identified. 43. Defendant's June 26, 2006, letter offered a settlement which led Plaintiff to believe that she could no longer dispute the alleged debt. 44. Plaintiff was confused, deceived and believed that litigation was imminent if settlement was not made. 45. The above mentioned acts with supporting cases demonstrates that the conduct of defendants rises to the level needed for punitive damages. 46. Defendant, in its collection eff0!1s, violated the FDCP A, inter alia, Sections 1692, b, c, d, e, f, g, h, and/or n. 47. Defendant, in its collection efforts, used false or decepIive acts and intended to oppress and harass plaintiff. 48. That, as a result ofthc wrongful tactics of defendants as aforementioned, plaintiff has been subjected to anxiety, harassment, intimidation and annoyance for which compensation is sought. WHEREFORE, Plaintiff respectfully requests that his Honorable Court enter judgment for Plaintiff and against defendant and issue an Order: (Al Award Plaintiff statutory damages in the amount of One Thousand Dollars ($1 ,OOO.OO) for each violation of the FDCP A or each separate and discrete incident in which defendants have violated the FDCPA. (B) Award Plaintiff general damages and punitive damages for anxiety, harassment, and intimidation directed at Plaintiff in an amount not less than Ten Thousand Dollars ($1 O,OOO.OO), as well as the repetitive nature of defendants form letters. 0) Award Plaintiff costs of this litigation, including a reasonable attorney's fee at ao rate of$350.00Ihour for hours reasonably expended Plaintiff's attorney in vindicating his rights under the FDCP A, permitted by 15 U.S.c. ~ I 692k(a)(3). (D) Award declaratory and injunctive relief, and such other reliefas this Honorable Dated: 8/1/06 .... >'" By: // n Deanna Lynn Suracc ,AtlO ey 0 aintiff 76 Greenmont Drive. Enola, P 17025 Telephone 717-732-3750 Fax 717-728-9498 Emai\: Sal1lccoLaw@aol.com COUlt deems nccessary and proper or law O! , ,~'~~I' 1...llI...llIIlI..,"..ll11l.I...IIII....!.I"I,.JU;...I.1.I 00:1 .MIT. .eli.. :1 ~L ,TI:rUS tuoNl!ND,ST . 8T"ELT(i)N PA 1711~105 _lVAI 0A11! I I I I I i I ! i I I I I I I i "deb.. s.vIC8 Fleq\l.I"'d !l.l!il!:- ='"c~~ ,--- "'_/or_~_."', .ro~TFOUOFIECOVER'" ASSOCIATES u.c '1';0; SOX 1291. . N.QRl!OUSVA2a541 "'~Dl!T~~ IlI!'MItfINl1t!.EfAQIIEI!~wm.'mwl"A~'" .'...,'...._..... ",, ;.-........_......i,......;... 0;0 ,.. ,..... I... ...,......... ...............,.,..~..t.'......'..H....' ,n"..., ...., ,.........",... "..""."" ..................... April 2{l; 2006 ealQ~!!.;~l.$4 Al!IllQu!'ltlR~er$nQe N<:1,:'1131G24499KM',.)!;1tVELl;fl$ W.ICQme (<:iPottfQllo R.~.,.ryAU9~~1 PQrj:fOlio R2very A$$OaIate$.bLCpUr;'Qh*ed yo~rateOlll'lt1tOm FQURSCQf!~ RE$OURCE CAPITAL LLC 'on03,"l"I06. Intl;Jf.~ conti"lIll$ tollQOru.~ o.n .tl:1/$ 8QCQ~m J;lntll ~~nt Is s8tfs1ted. The ~ balltllcelhcliJcf~ Interest as Qf the date: oj thls'letter. If' yoyare currentrymakfng paymentS to a ~it oolinselln'g .~ lor this aet()(Jrit, Dlease'adVise thllln to direct all fufure ~yment8 to lIS. Thlls-account m8YbElcoll~iKI PYU$ or by Qi.il"' aflRiate, An'6hot RGidetvabl$S MM~.. I Can foll.free 81.0800-7.12-""'41): to dl~' . . . qni dt'fiYlIii.l . . ..'q '.. . . 'q -. . '" .' ......~ .."." . ,. , .." . . ~qU8,PaYl1l8l1t p,t!bna AWIil.bJ. 'iij:l~'I1g; PAV:SY PHONE; AtrtbQ!lze. $~.1IC! WIIhdtaW'I1I$ frl'll/)Y'QI)'r bank ~iiht ~: ~='~payatl~~~UtE~~~~~~o.~~i~na..~. ..... .~Ye!Y.m.'..' I.. , CReoITCA~D: Complete the attach'8dooupon a1idrell:lJ'n'ln' the enclosett enveiope. ON--LINE: PaYOO-nne alwww partfblfar"",wAQ;oom Ii!Jutlof 0per/itkltI (ES'T): 8 AM toMldaigbtMon,"Thl!f$" 8 AM to 7RM Fri., & 8 AM fo 1PM Sat. !?mtiil.Iidd~: Help~pbrtfolioreild~,oorf1. UiI~ you notify this oJffce ~lililJlHIaYl!; aft9f ,.~elvlntl tI1lisJlollce:t1181 ~qll ~t'" ~Udltu of tI1la .i1ebt onny r:uA.::.~~=:!l~~::~lIdr~~li~~~l:J~~"=::r..liS~:.:~:: :Jrt:I~=~~1i1.3:I;'..~II=.:Lm:nJ::.a.r:l.~U:I~':&~~!I~tititm~~~1: o!!lI!l!!Il ~reclltlir If <!lIfenmtfl'Clmthe ClUmI~credltor. This letter tsfrom a de.bt collector and: lei an attEl.l'\1pt tocolJect a debt. My Infbrmatlon Obtained wlR be llsed for that purpose. see BACKF'OFiIMPoATANT INFORMATION .Puo"'~.lm'" " i.LC lIiIdA1chllrJilioelvlbilil:lIiliIy.,;".il_ dUlIIId by.Ju...,.,;.....__ ~ _'-!..a;oPPD.a. Privacy. Noticl We 'collect certain pel'S9nal imormation about you from1hetollowlnll SO.urces:. (8) In'orm.atlon we received "rom you; '(b) Intormatlon abOut your tran~lons wltbour afftlllif8$, o~. .or us; (e) Information we reeel\fe froir\ consurrrer reporting agencles. We may :dtsclose1he following kIild$. QfnonpubllC personal IltI'onnat!t>nBboutyoi,l: (a) tr'lfQritlaUon we recelVe1tdrllyou, stlChssyour name. address, social securfty numl:!tJr: (0) JnfQi1i:latlM abil~ yOll:i' trati_o!'lsWl~11 PortfolIQ/'l_lJiY ASsocI~, l,LC or any ,ott)l;f 9f our affilIates or otl1~. sucf! ... y'o_urllCCOun~ belan~. paymm hl$.(O!y,parUfs to transactloll$. and aocount uSllQ&; and (e) Information we receivefromaconsOmer reportrrigagency, such as your credit history. . W~ ,,~ @t l;li$Q!Q~Wlyoonpubjic" per$()nal Infotmat[()napol,lt our CU'stOmersor former cUsI()m.. to Myone;, except:as permitted bYlaw. WfJreslrictaccess to ncmp\iblte ,imor.matl.onabautyollt9 thoSElemployees.;and .entitles that n~ to know thllt .infbr'l'natlon In order to . collect y-OuraccoulIt.. We maintain physical... ClIectronic. and procedursf ~E!9U~sthat <<>mplyWlth federQI regulatIons to guard yoUi' nonpubllC personal informatiOn. 1:1: ~,' ."0 rn~ to i1=0<<):U~"~, ThIs .1<< does not net.AI ..m..'. .(1_. rshave' .raan . aws. l.c.momlli.: ~,As ~iJjredby Law,. ydu arehE!reqy notifled'that a negatNllcredit report relleatlng on yo.,ur crllditr~rd may..be <<J1:1,mltted 1()'~ creqit,reportlng "~,~"lf \Inn f~1 tol!l1f!1t hl ~$ of. yollr erf!dlt ,obligatIon.' The state Rosenthal Fair Diibt COlleCtfoiiPraCtlces: Ait-;m the feclBl1i.l Fair DebtOorrdOrl P.ra9fices ,At:t requlretha'!;,8l<Cept _\;loder' tm!lsuall:\n:ul!1st~~.llQ_It~1'$ mw .not 'q)ntadt you 'betor. 8 .a.ltl.oratter9 p;in. They may not hsrUSYoU by Ilslng threats of. vlolenCe ot.sest Or by' Using obsCene 'I:.. Collectors m~y not use fial~e ()r:ml~A~ing.stateme,0t8 or c:allyou at workJ! thEW know or have, l' . h lG knoW that you 'may' not receiv.e. personal 'lialls at -wot!<, For the most part, 'colleetOl'Smay not tell :anolher person, other tnan ;your attorn~y or spQ1J.. about yQur ~CoI_rs may C(lnlaclt :anatber petsbn to confirm yQut ~on or e-nfQ~ a. jJ;i(Jgmer\t. FQr inOI'!j lnfortn~ ~ d~ClQItec1kin activlties, you may contaCt the Feelersl "flradeGommlS$lon,at '1-e77~FTG-HELP or www.ffc.goY. t. QOLQAApQ.iFOR INFoAMATION ABOUT THE qotQRADO FAIRO,eer COLl.ECTIQN PftACTICeS A.CT.S.E:E;;WWW,AaOo8'rATE'COAJSfGABl-lTM~ . a. M_ne: Telephone number at lI~ns~focatloo Is (8SS) 712-'7S2a, HoLii$ .Of QpEtratiOn at i~ ~ar:e 8 AM" .tQ. MIdnight EST M:Ol1oay tI1rough Thursday.,S AM to 7 PM EST FrjdlW, and 8 AM to 1 PM EST Saturday." '.. -, !!. Mw riluutta: OffICe located 4~~ .St; Wf!YI1IO,uth,MA02188. Telephone (88&) 772~7~. Houl$'of Qperatlon,' are 8 AM :toMJdntlJh~E$nWl>nds'.~h Thui'sQIw 8AM to 7 PM ESTFtlda . and 8 At,<A'to 1 PM ESr satllrd/W."NOTICEOF '''PGRT~ 'Rtf;H~: you' ~ 'rHE _tIT TO ~E.A WRITTENO~ ORAL REQ!.IEJTTHAT TELaPJ:lONE.;QAl.L$'~EGARDING VOUROEBT NOT BE MAOE TO YOU AT YOUR PLACE OF, EMPLOYMENT. ANY $OOH .ORAL~' . .. . WILL BE V,AuD FOR ()tilL Y TEM DAYSU~~S YOU PROUfD .Wl!il........~i.;'., ....'lli.. N .;" ....... ~ "" ....... ...... ., ,. . '0 ...l'l!' '.'" ..::~. E~..q:.~'!1 C9NfI~..... . OF 1m;; REwul;cu POSTMARkED OR.DE .' REDWITH'N SEVEN DAYS OF SUCH REQUE$T. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBTCOLLEcTOIt" .. . 5. New YOrkClty: City of New York.Ucense Number 1.096994. .B.. NorIh Carolina: Collecflon Agency Permltlllo. 4132. Z. ,t.neh: "As requlr$d by Law, yQu a(e herel)y notifl~ that , n.o~lVe credit rejJ(lrt reflecting on YQUr credit record may be submitted to.a credit reporting agency If you 'all to fulflll1he terms 01 your credJl o~i1g.atlori." ---- , ; I I I I '. I I' ~~11~ ~.c,,_, --.- Add~8ervlce Req~ IBWNFTZF 1PR.M26!l4287oeO;nl 1",IIII1lIU",jlj,I..II,",IIIII,j"IIIIl,III,IIol,,11Il1I (l21,., ".. JdlTQldl;U. TITUS _ei:>$Lel'IAYI! .~e,MOYNEPA'''043-1!l'7 .DAn; ~_'1Qf~IIMIUI"""'" POR, TFO,LIOREOOVEAV ASSOCIA'rES LLC j:>.o;,SCi)tl~lif' , . NORfOLKVA.23541 ... ~oerAOiiNl) RI!11JAN IN'lH! ENdI Oli&i'J~'WIrtt~~~\?lIlIn- I,.j I.... ."', I',:,'f",,~ I,"" ....., I.H" ,.,.....,.. i, .... n'-;" i'." ,"n.-, i.. ii-"I ...j. i....." ..........,.. t., I...",.~......,., ,.,..., .-.... _0',... I..... .1."....."..'...,1 '" ........., .Jl!ly 17, 20(:1$' Accoun1iReferenee No.: 1131'3-244Q9 'B,alenee: $903.92- FOUl'lSCOOl:' RESOURCE CAPitAL LLO 'OurMITCHELL TITUS, PQrt(QIloRl!e~ery A$so(iIEitfts'l)urchued tills account from FOURSCORE RESOURCE' CAPITAL LLC on :03129106. Al1hat tIme. e: lauEII' wauent to yoo ~ng you .Qlthe pUrcI'lase ()f thIS account. You dld not respond. This letter serves,B$,an addlfional oouite$y'notlllClitlon of th$ Pl,Irc!l_ of t)11$debt. CQn.blct ~. toJl~e'at 1.~O.772'14" to"dlscuss payment arrangementS. V.I1~~ Payment QJnIons A'y.II~le 'IlWludln9.: CHECK: Make'cheek:payable to Pol1folio Recoll~-AS$QQtat(lS, LLQ WlcI ~ to PorllOlioRecavery'A$SOC/iltes; LLC, P,;O.8OX f~1i4.. Notfolk, vA ~541. QfIEr1rrCARD: Compl$te the attached coupon andretumto us In the -enclosed envelope. 0N-uNE: Pay on..nn$ at WWW'APttf9'Itli'~ Mm. 'Ho",Q.f,~ (E'$T)~ llAMJO to PMMooiThUrs,,8 AM toS PM Fr:I,,& 8 AMia ~ PM Sat We'lj4lsoaVaJJabl$ by .e-mllll at hEilp@portfoliorRCClvAI~/' com. Sincerely, Portfpli9 RePre$6ntatlve .Intllreet-Clllllll1~ to 8!lCIUf! ~ IIihlll!X1011l1t ~wllil!COlU& \.Illil'~ 8COOIImlt 8aMlIiid..1'hUboveb8lancelnc*ldes lllterJtt as of 111. dat8 of IhIs 1eIle-r. You maycOntaol \IS' to obtain lI!II ~'.~ 8IIICllIIlt \!lr a fuIure dale. 'This letter Is ftomadebt coIlectOrai1(llsan attempt tooollei:t ad.ebl. Any lnformatlonobt$lned Will be used.1Qr th_ Wrpow. SEE.BA.CK FOR IMPORTANT INFORMATION ....,.cm7Pll11Ot-J1111O.4l1101 i i I I I i i I I I I I I I l I I I ~f"'dllc.rdA-T~ '. . . .' ...,..l!!,. il DIlIclilIlIIr. pel'. Ml8rIcan,~:'''7'per$151l Privacy Notice w~ <<)1I$Ct ~I'tjlln p8/l\Onalln(orrnatk>n abollt. ~Il fro,,! the.lollQwlngsourclNl: . (ill InformatJ9rl we recelved from YOIl; '(b) infotrna1kmabout yollr transaCtIons with ()lJraflinatea, othtt$, Q(US; (e) inform. we receive' from COF)Sllmer rlimOrtlngageriCles. We milydliQtose ~. folloWlng.1MdIt of nonpablio personal Information about you:. (a),inforrnauQl1we r8CfJI....trorn~U. such liS your name. address. SDCI8I security number: (b) irif()rmatiOO 8tlO.~ youftral1flll0tf9ns wl1h ~rtWlkl Recovery AssoCI.., LLCor any other of bur $fflJlat~()r others, siil~ asyollr account baJance, pBymenthlslory, parties to tl'B/lSiilCtlOns, and ~untll$.agfJ; and (c) InfO,nnatlon we receIVe from a colistlmer reporting agency, $Uc;h as your ~ecllt Illstory. ' We dO, not, disclOS, e any, nO,:,npUbll<iPerSOlial Infoi:lt!atioi1 about our customers' or formercllstomets to anyone, i>>'gept as pennltteoby law. we resltlct ~ess. tononpllbllo Information al:lout you to those en'lp~YfJ~ .alld e.ntlties that need to know 1I:1I;1t information In -order to. l:Ollect YOllraccount. We malnta1nphYsioal, electronic and .procedural .safElQuard$ that dOiTlply with federeJ r<<lUl~t1s'tQ gtWd XQlIrnonRL/Plll' personal IntomlatiC1n. 8' .... U1md un i'stIitiI law to fiOtI 'co. '" nI of the foIlowf if' lbls . .not it . 8' 8 . '.6' '.cOnllU ve . . an" 1.. 0IiI1forriIa; liA$. r8qlllteiI bY .Law, vo.u ~elWebyt>>t!fi~ .that. ,1'il!Gat!ve qredlt report refleotIng ~n vol,lr 1$\iI~ ~r~ml!lY be ~Qm~to, a ~t reJ:lOl1lIlQ agenqy: If you fall to fLJlflllthlHetms Of Y.(llll' c:lI'ed1l obllgation.M The.stllte: Rosentflat Fall' Debt COI!~lic;l!l Pr!i!GllCi$ .Act '1II1d.. Ule federal F.a1r Debt Collection PtaCil~sAot ~ulreJh,at, except under unuSlJalcltcumst~;. collectors may not iiiOi'!tJCI yQU ~ore a a;m.oT after 9 p.m. They matliQt' 11~ y<)ub.yu~ng 'thl'eafl! Qt V1QIe~ or arrest or by us/ng obscene langllage. Oollector:smay. notJJSEJtalseor misle.adli1g lil8temehtsorc~1 yoiJ at worJ(If~ I<I'i<lW or ha~ I'e8llOrl to know thlrtYQU iti.aY l'Iot f*,ile. per$Ql1al ,caIls'llt wprk.For lbe most part, 'COI1ect01'S may not tell another person, other -than your attorney or spouse, .l!bi;Illt#ir d.llbtPQP.. may,QOntact 8ll<<her Jjer'SOi'l to confll:m your lOcation ~r enforce.a jUQgOlent For ,more Information abOut debtClllleQllQri ac.tMtles, YOIl may contact the p.ederQI Trade :CommissIon: ~t 1.aN-frO-HELP or www.fto,.90v. ~A~~~Et~~fg6'~~I+~~6'~}t!AQb~Ag.g~~^g&.PAIRDEBT COllECTION a.. ,MaIne: Telepho.ne nUmber Itt 'liqetlSed lo~I!Qh I$(aa,~) ?7:2.7-32~. Ii~ul'$ ofoper:atlon at licensed 'locllti9n are8AtJI to 10 PM EST Monday 1hrougtl ThurSda~, 8,AM to 8' PM EST FrIday, and 8 AM to- 2PM .EST SatlJrda.y. .. ~:OIflce localed 49 \Mrdet St, WeyrnO\lih, :MA02taa. . Tel~ (S88) T/2-1826. ~1l=9f ~~~*ns=Jl~~J~~~a~.fA~m&J1'd~8b t&~GM~~~~~: ~NO'R ORAL RE~EstTHAT TELEPttONE~I.;$:.RIa$A'RQIN(i!. VQURDeST NOT BE MADE TO YOU AT Y9\,!.~ PLArig EMPLOYMENT. AtJ'/' suCH' ORAL REQUEST WILL liE VAUI) f"QR ON.LV TEN DAYS UN' '. YOU PROV!O,E 'WRITTE~ '(:Ot,lFlRMAnON OP THE REQUesT pO~~D OR DELl'lSEDWlTHIN .$MN DAYS OFSUeH 'REQU!ST. YOU MAYTE_NATE THIS RE~UEST BY WRITING 'rO THE DEBTC()LLE(:T()R;" . 5.. Naw York ClI:y: CIty of New York L'cen~ N",mQer 1 ~994. a. North GaroIIna:Collectlon Agency flermltNo. 4132; z.. ~:.A$ r<<lllJrW bY laY(; you are .here.by notlfle.d that a negative credit report refleCtlt\g. on your credltre.cord may be,submltted to. a credit reportIng ~. If Yo\!, 1~11 to fUl01lthe tllflTlll of your QredI1 Qbll~a!tQ!1.. fIfiWRY1'1lP22'1,D1...lfP.1)1t1101. . Account; 113132449\1 t,'S,~ , ~I~ r-- --- ,I -- -- _I _I ~ )J http://atlunetlltlunetMewaceount.upx?aoct-ll31324499(1 of2)81412006 4:30:08 PM r " t-CCOWlt: 1131324499 } http://adllnctllllllndMewaccowu.upx'1acct-1131324499(20f2)81412006-4:3O:08PM CERTIFICATE OF SERVICE I HEREBY CERTIFY that I served a true and correct copy of the foregoing on all counsel of record 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: Prothonotary Cumberland County Court of Common Pleas One Courthouse Square Carlisle, PA 17013-3387 Deanna Lynn Saracco, Esquire 76 Greenmount Drive Enola, P A 17025 MARSHALL, DENNEHEY, WARNER, COLEMAN & GOGGIN DATE: ?jlb!D(P ON M. O'DONNELL, ESQUIRE \Os _ A\LlABICICONRAD\SLPG\229314VLKA W ALEC\1412S\OO333 4 o \.: ~ c;':) a' >'" c: G' - -i ,.') (~~ C_ - ? ~2 -0 ;Jl: ~ ~ ~-n "'1": -orf'! :00 :-') 1- :-:j~f)i ,~-\1 "-"')-- \?'-(h ()f -.-\ ?'j :~ <.n CJ