Filing # 173662268 E-Filed 05/22/2023 11:34:35 AM
`
`16-2023-SC-011767-XXXX-MA Div: CC-D
`
`
`
`
`PORTFOLIO RECOVERY ASSOCIATES, LLC,
`
`Plaintiff,
`
`vs.
`
`JORGE SIDORUK
`
`Defendant.
`
`
`
`
`
`IN THE COUNTY COURT IN AND FOR
`DUVAL COUNTY, FLORIDA
`
`
`CASE NO.:
`
`
`
`
`
`
`
`
`/
`
`
`
`
`
`Plaintiff sues Defendant for damages, and would allege:
`
`1. This is an action for damages less than $8,000.
`
`Complaint
`
`2. Defendant obtained and used a SYNCHRONY BANK/ SYNCHRONY BANK/ ROOMS TO GO
`
`revolving credit account, XXXXXXXXXXXXX5970 (the "Account").
`
`3. Defendant did make purchases and charged same to the Account, but after statements were
`
`provided to Defendant, Defendant failed to make the monthly payments due upon the Account and
`
`failed to object to the balance then owing within a reasonable time, resulting in an Account Stated
`
`in the sum of $1,249.37 (See Attached).
`
`4. Plaintiff is the successor in interest of said Account having purchased said Account in good faith,
`
`for value, and in the ordinary course of business. (See Attached).
`
`5. Plaintiff received the attached records of the original creditor pursuant to its purchase of the
`
`Defendant’s account. Plaintiff independently checked the records for accuracy, and then integrated
`
`the records into their own business records.
`
`6. Plaintiff has declared Defendant to be in default and demands payment of the balance due on the
`
`Account. Defendant has refused said demand.
`
`7. Defendant is indebted to Plaintiff in the sum of $1,249.37.
`
`8. All conditions precedent to this action have occurred.
`
`
`
`
`ACCEPTED: DUVAL COUNTY, JODY PHILLIPS, CLERK, 05/23/2023 07:49:18 AM
`
`

`

`9. Pursuant to Rule 2.516, Plaintiff designates the following email addresses for the purpose of
`
`service of all documents required to be served pursuant to Rule 2.516 in this proceeding.
`
`Primary E-Mail Address: LitigationService@Portfoliorecovery.com and Secondary Address:
`
`Florida_RA@portfoliorecovery.com.
`
`WHEREFORE, Plaintiff demands Judgment against Defendant for $1,249.37, plus costs.
`
`Date: 04/28/2023
`/s/ John Bacus Dejesus
`John Bacus Dejesus, Esq. Bar No. 0111446
`Anthony Joseph Maniscalco, Esq. Bar No. 548707
`Giuseppe Cataudella, Esq. Bar No. 088976
`Jacqueline Elizabeth Ligas, Esq. Bar No. 030009
`Jessica Montes, Esq. Bar No. 47522
`Jorg Menriv Rivera, Esq. Bar No. 0779571
`Juliana Rodriguez, Esq. Bar No. 105514
`Shayna Lynn Singer, Esq. Bar No. 821101
`Attorneys for Plaintiff
`Portfolio Recovery Associates, LLC
`120 Corporate Blvd
`Norfolk, VA 23502
`Phone: 866/428-8102
`www.PRApay.com
`LitigationService@Portfoliorecovery.com
`Florida_RA@portfoliorecovery.com
`
`
`
`
`
`
`
`
`648782
`
`
`

`

` synchrony
`
`4500 Munson St NW
`Canton OH 44718, US.
`
`BILL of SALE
`
`PRA (S2FSPRMS) — PSCC 180MP — September 2021 -
`IC_S2FSPRMS_DMPLA_DebtManager-202 10923091312541535000-8818
`
`For value received andin further consideration of the mutual covenants and conditions
`set forth in the Forward Flow Accounts Purchase Agreement (the “Agreement’), dated as of this
`11th day of February, 2021 by and between Synchrony Bank formerly known as GE Capital
`Retail Bank; RFS Holding, L.L.C., Synchrony Card Funding, LLC and Retail Finance Credit
`Services, LLC., (“Seller”) and Portfolio Recovery Associates, LLC (“Buyer”), Seller hereby
`transfers, sells, conveys, grants, and delivers to Buyer, its successors and assigns, without
`recourse except as set forth in the Agreement, to the extent of its ownership, the Accountsas set
`forth in the Notification Files (as defined in the Agreement), delivered by Seller to Buyer on or
`about 21" of September 2021, and as further described in the Agreement.
`
`Synchrony Bank
`CMLULE-
`IL,SIVOL ann
`
`By: Lyfine Fisher (Sep 29, 2021 16:41 EDT)
`Lynne Fisher
`Title: SVP Recovery Operations
`
`RFS Holding LLC
`LALULE”IUSVE ss
`
`By: Lyfine Fisher (Sep 29, 2021 16:41 EDT)
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Synchrony Card Funding, LLC
`Lyte Fv;Mer.
`
`By: Lyfine Fisher (Sep 29, 2021 16:41 EDT)
`Lynne Fisher
`Title: Duly Authorized Signatory
`
`Retail Finance Credit Services, LLC
`CAVE
`EL,AA
`
`By: Lyfine Fisher (Sep 29, 2021 16:41 EDT)
`Lynne Fisher
`Title: Vice President
`
`

`

`Sale File: S2FSPRMS_092121.XLSX
`
`***********5970
`
`CNSMR_ACCNT_CRDTR_R
`FRNC_ID_TXT
`***********7299
`GERMSACCTNUM
`***********1112
`CNSMR_ACCNT_ID
`***********3473
`CNSMR_ID
`JORGE
`CNSMR_NM_FRST_TXT
`SIDORUK
`CNSMR_NM_LST_TXT
`CNSMR_IDNTFR_SSN_TXT ***************
`CNSMR_BRTH_DT
`**/**/1976
`CNSMR_ADDRSS_LN_1_TX
`980 SW 154TH PATH
`T
`CNSMR_ADDRSS_LN_2_TX
`
`T C
`
`T C
`
`NSMR_ADDRSS_LN_3_TX
`
`NSMR_ADDRSS_CITY_TX
`
`MIAMI
`
`T
`CNSMR_ADDRSS_ST_TXT FL
`CNSMR_ADDRSS_PSTL_CD
`331942786
`_TXT
`RMSHOMEPHN
`RMSWORKPHN
`LANGIND
`EMAIL-ADDRESS
`CNSMR_ACCNT_OWNRSHP
`_TYP_CD
`CNSMR_NM_FRST_TXT_CM
`KR
`CNSMR_NM_LST_TXT_CMK
`
`ENG
`***************
`
`2/11/2018
`10/21/2020
`
`3/13/2020
`
`R C
`
`NSMR_IDNTFR_SSN_TXT_
`CMKR
`CNSMR_ADDRSS_LN_1_TX
`T_CMKR
`CNSMR_ADDRSS_LN_2_TX
`T_CMKR
`CNSMR_ADDRSS_LN_3_TX
`T_CMKR
`CNSMR_ADDRSS_CITY_TX
`T_CMKR
`CNSMR_ADDRSS_ST_TXT_
`CMKR
`CNSMR_ADDRSS_PSTL_CD
`_TXT_CMKR
`UDEFOPENDATE
`CNSMR_ACCNT_CHRG_OF
`F_DT
`CNSMR_ACCNT_LST_PYMN
`T_DTTM
`
`

`

`Sale File: S2FSPRMS_092121.XLSX
`
`CNSMR_ACCNT_LST_PYMN
`T_AMNT
`CNSMR_ACCNT_DLQNCY_
`DT
`LOSS_AMNT
`INT_RATE
`CURBAL
`NET_PRINCIPAL
`PRINC_LOSS
`ASSOC_COSTS
`ACCRD_INT
`LSTPURCDATE
`REFUDEFOFFICERCDE
`OFF_DESC
`BCLE
`BCLE_DESC
`RMSJDGDATE
`UDEFPOCBARDATE
`REFUDEFBKCHAPTER
`UDEFBKCASENUM
`UDEFDISCHGDATE
`UDEFDISMISSDATE
`UDEFBKR341MTNGD
`UDEFBKFILEDATE
`REFUDEFCOSTCTR
`UDEFCHGOFFRSN
`STATUS
`SYSDESC
`REFUDEFBIZTYPE
`BUYERCODE
`UDEFECOA
`UDEFSALEDATE
`UDEFBHSCORE
`
`80
`
`4/22/2020
`
`1289.37
`0
`1289.37
`1289.37
`991.29
`
`298.08
`2/23/2018
`FNI705
`Rooms To Go
`BK0181
`Synchrony Bank
`
`CFA9
`UNPY
`SOLDFNDG
`Sold, Funding (RECOVERY TAG TYPE)
`RSF
`S2FSPRMS
`1
`9/21/2021
`000
`
`

`

`DECLARATION OF CUSTODIAN OF RECORDS
`
`I, the undersigned, Custodian of Records, for Portfolio Recovery Associates, LLC hereby declare, certify, and state as
`follows:
`
`1.
`
`I am competent to testify to the matters contained herein.
`
`I am an authorized employee of Portfolio Recovery Associates, LLC, (“Account Assignee”) which is doing business
`2.
`at Riverside Commerce Center, 120 Corporate Boulevard, Norfolk, Virginia. I am familiar with the policies and practices,
`as well as the books and records of Account Assignee with respect to the matters stated herein. This declaration is based
`upon my personal knowledge of Account Assignee’s record keeping system and my review of the business records of the
`Original Creditor SYNCHRONY BANK/ROOMS TO GO, including a review of the business records transferred to Account
`Assignee from SYNCHRONY BANK (“Account Seller”), which have become a part of and have integrated into Account
`Assignee’s business records, in the ordinary course of business.
`
`According to the business records, which are maintained in the ordinary course of business, the account, and all
`3.
`proceeds of the account are now owned by the Account Assignee, all of the Account Seller’s interest in such account having
`been sold, assigned and transferred by the Account Seller on 9/21/2021. Further, the Account Assignee has been assigned
`all of the Account Seller’s power and authority to do and perform all acts necessary for the settlement, satisfaction,
`compromise, collection or adjustment of said account, and the Account Seller has retained no further interest in said account
`or the proceeds thereof, for any purpose whatsoever.
`
`According to the records transferred to the Account Assignee from Account Seller, and maintained in the ordinary
`4.
`course of business by the Account Assignee, there was due and payable from SIDORUK; JORGE (“Debtor and Co-Debtor”)
`to the Account Seller the sum of $1,289.37 with the respect to account number ending in 5970 as of the date of 10/21/2020
`with there being no known un-credited payments, counterclaims or offsets against the said debt as of the date of the sale.
`
`According to the account records of said Account Assignee, after all known payments, counterclaims, and/or setoffs
`5.
`occurring subsequent to the date of sale, Account Assignee claims the sum of $1,249.37 as due and owing as of the date of
`this declaration.
`
`Plaintiff believes that the defendant is not a minor or an incompetent individual and declares that the Defendant is
`6.
`not on active military service of the United States.
`
`7.
`
`I declare under penalty of perjury under the laws of the State of Florida that the foregoing is true and correct.
`
`Executed on ________________________________ at
`
`Portfolio Recovery Associates, LLC
`
` V1
`
`

`

`ROOMS TO GO/SYNCHRONY BANK
`
`JORGE O SIDORUK
`Account Number: Hii 5970
`Statement Closing Date:
`09/22/2020
`
`Summary of Account Activity
`Previous Balance
`+ New Purchases
`-
`Payments
`+/- Credits, Fees & Adjustments (net)
`+/-__
`Interest Charge (net
`
`Payment Information
`New Balance
`$1,203.80
`$0.00 Minimum PaymentThis Period
`$0.00
`Amount Past Due
`$40.00
`Total Minimum Payment Due
`$5.57
`Payment Due Date
`
`$1,249.37
`$85.57
`$452.51
`$538.08
`10/15/2020
`
`
`
`New Balance $1,249.37)|paYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.
`We may convert your payment into an electronic debit. See
`reverse side.
`
`Credit Limit
`Available Credit
`Days in Billing Period
`
`$1,500.06
`$0.00
`30
`
`Pay online for free at: mysynchrony.com
`For Synchrony Bank customer service or to report your
`I
`I
`ll 1-866-396-8254.
`Sen eeeee aae
`Best times to call are Wednesday- Friday.
`
`Total Interest Paid in 2020
`
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Payment Due Datelisted above,
`you may have to pay a late fee up to $40.00.
`Minimum Payment Warning: Making only the Total Minimum
`Payment Duewill increase the amount of interest you pay and
`the time it takes to repay your balance. For example:
`If you make no
`You will pay off
`|And you will end up
`additional charges |the balance shown!|paying an estimated
`using this card and| on this statement
`total of ...
`each month you
`in about...
`Pay...
`Only the minimum
`payment
`If you would like information about credit counseling services,
`call 1-877-302-8797.
`
`
`
`19 months
`
`$1,256.00
`
`Promotional Purchase Summary
`Promotional
`Promotional
`Deferred
`Expiration
`Balance
`Interest Charge
`Date
`02/23/2018
`$0.00
`$991.29
`05/23/2022
`A summary of your promotional purchase is provided above.
`If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges
`on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date.
`
`Description
`
`Equal Payment No Interest
`
`Initial
`Purchase
`Amount
`$1,999.29
`
`To make more than one payment see Make Payment To address or pay online at mysynchrony.com.
`
`Transaction Summary
`
`09/15/2020
`
`09/15/2020
`
`09/22/2020
`
`09/22/2020
`
`FEES
`LATE FEE
`TOTAL FEES FOR THIS PERIOD
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`TOTAL INTEREST FOR THIS PERIOD
`2020 Totals Year-to-Date
`(Total Fees Charged in 2020
`‘Total Interest Charged in 2020
`
`“NOTICE: See reverse side and additional pages {if any) for important information concerning your account.
`DSH
`1
`F
`26
`200922
`EBDPAGE 1 of 3
`3073
`1260 RGIS O1DGS302
`
`5302
`
`Pay online at mysynchrony.com or enclose this coupon with your check. Please use blue or black ink.
`
`Balance $538.08
` ramenterctores: SE ITWTI ILI. CILI
`
`New
`
`Account Number
`
`$1,249.37 BE 5970
`
`Total Minimum
`Payment Due
`
`Past Due
`Amount
`
`Payment
`Due Date
`10/15/2020
`
`New address or e-mail?
`Check the box at left and
`print changes on back
`JORGE O SIDORUK
`980 SW 154TH PATH
`MIAMI FL 33194-2786
`
`Payment due includes $ 452.51 past due. Please pay the past due amount PROMPTLY.
`one
`-
`-
`ar
`if
`I
`he Total M
`D
`ff the P'
`IP
`he E
`Date.
`inimum Due it may not pay off
`Promotional
`urchase by the Expiration
`you only pay the Tota
`the
`Date.
`
`Make Payment to: SYNCHRONY BANK
`PO BOX 960061
`ORLANDO, FL 32896-0061
`
`

`

`your accountonline.
`
`NA
`05/23/2022
`
`Percentage
`Rate (APR)
`29.99%
`0.CO%
`
`Interest Rate
`
`$225.75
`$0.00
`
`$5.57
`$0.00
`
`
`
`|tepeermaiance|Menemtenone|rr "interestRate _
`
`Interest Charge Calculation
`
`Type of Balance
`
`Purchases
`Equal Payment No Interest
`
`Cardholder News & Information
`
`You can pay your bill online or over the phone. We noticed you've been enjoying our easy paperless payment options, so we
`will no longer be including return envelopes. You can makethings even easier by selecting the paperless statement cption on
`
`5302
`
`DSH
`
`1
`
`TF
`
`20
`
`200922
`
`EDPAGE 2 of 3
`
`93073
`
`1260 RGIS O1DGS302
`
`

`

`5302
`
`DSH
`
`1
`
`TF
`
`20
`
`200922
`
`EDPAGE 3 of 3
`
`93073
`
`1260 RGIS O1DGS302
`
`

`

`ROOMS TO GO/SYNCHRONY BANK
`
`JORGE O SIDORUK
`Account Number: Hii 5970
`Statement Closing Date:
`03/23/2020
`
`Payment Information
`New Balance
`$991.29
`$40.00
`Total Minimum Payment Due
`04/15/2020
`Payment Due Date
`PAYMENT DUE BY 5 P.M. EASTERN ON THE DUE DATE.
`We may convert your paymentinto an electronic debit. See
`reverse side.
`
`Late Payment Warning: If we do not receive your Total
`Minimum Payment Due by the Payment Due Date listed above,
`you may haveto pay a late fee up to $40.00.
`Minimum Payment Warning: Making only the Total Minimum
`Payment Duewill increase the amount of interest you pay and
`the timeit takes to repay your balance. For example:
`If you make no
`You will pay off
`|And you will end up
`additional charges|the balance shown|paying an estimated
`using this card and| on this statement
`total of ...
`each month you
`In about...
`Pay...
`Only the minimum
`payment
`If you would like information about credit counseling services,
`call 1-877-302-8797.
`
`
`
`$991.00
`
`2 years
`
`Ta make more than one payment see Make Payment To address or pay online at mysynchrony.com.
`
`Summary of Account Activity
`Previous Balance
`+ New Purchases
`-
`Payments
`+/- Credits, Fees & Adjustments (net)
`+/-
`Interest Charge (net)
`New Balance
`
`Credit Limit
`Available Credit
`Days in Billing Period
`
`$1,071.29
`$0.00
`$80.00
`$0.00
`$0.00
`$991.29
`
`$1,500.00
`$508.00
`31
`
`Pay online for free at: mysynchrony.com
`For Synchrony Bank customer service or to report your
`card lost or stolen, call 1-866-396-8254.
`Best times to call are Wednesday- Friday.
`
`Promotional Purchase Summary
`Promaticnal
`Promotional
`Deferred
`Balance
`Expiration
`Interest Charge
`Date
`02/23/2018
`$0.00
`$991.29
`05/23/2022
`A summary of your promotional purchase is provided above.
`If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion: To avoid paying Deferred Interest Charges
`on these promotion(s), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date.
`
`Description
`
`Equal Payment NoInterest
`
`Initial
`Purchase
`Amount
`$1,999.29
`
`“NOTICE: See reverse side and additional pages {if any) for important information concerning your account.
`DSH
`L
`7
`20
`200323
`PAGE 1 of 3
`93073
`1200 RGI9 O1DGS302
`
`5302
`
`Pay online at mysynchrony.com or enclose this coupon with your check. Please use blue or black ink.
`
`Total Minimum
`
`Payment Due Date
`
`Account Number
`
`$40.00
`
`04/15/2020
`
`$991.29
`
`Es 597 0
`
`New Balance
`Payment Due
`ramenterctores: SE IT IT I ILI. CILI
`
`New address or e-mail?
`Checkthe boxatleft and
`Print changes on back
`
`If you only pay the Total Minimum Due it may not pay off the Promotional Purchase by the Expiration Date.
`
`JORGE O SIDORUK
`980 SW 154TH PATH
`MIAMI FL 33194-2786
`
`Make Payment to: SYNCHRONY BANK
`PO BOX 960061
`ORLANDO, FL 32896-0061
`
`

`

`Transaction Summary
`Post Date|Reference Number
`
`03/13/2020
`
`03/13/2020
`
`03/23/2020
`
`03/23/2020
`
`8534812EV01QRYVTO
`
`PAYMENT- THANK YOU
`FEES
`TOTAL FEES FOR THIS PERIOD
`INTEREST CHARGED
`INTEREST CHARGE ON PURCHASES
`TOTAL INTEREST FOR THIS PERIOD
`2020 Totals Year-to-Date
`[Total Fees Charged in 2020
`Total Interest Charged in 2020
`[Total Interest Paid in 202G
`
`($80.00)
`
`contemporary, rustic or traditional, you'll find a stylish storage sclution to suit your taste at RoamsTaGo.cam!
`
`Interest Charge Calculation
`
`Type of Balance
`
`Purchases
`Equal Payment No Interest
`
`NA
`05/23/2022
`
`Percentage
`Rate (APR)
`29.99%
`0.00%
`
`Interest Rate
`
`$0.00
`$0.00
`
`$0.00
`$0.00
`
`This notice is to let you know about some promotional financing plans that may be available for you when you use your card for
`future purchases. This is only a summary of key terms. At times, we may offer you other promotional financing plans for
`certain purchases. Details of available promotions will be provided to you at the time of your transactions. Not all plans orall
`plan periods will be available at every retailer. For purposes of this notification, your
`Purchase Annual Percentage Rate
`("APR") is 29.99% See the Interest Charge Calculation section ofthis billing statement to determineif this APR is variable.
`If a
`(v) is shown next to your APR,this APR will vary with the market based on the prime rate. Subject to credit approval. Regular
`account terms apply to non-promotional purchases and, after promotion ends, to promotional purchase.
`No Interest if Paid Within Promotional Period
`(These can be advertised as Deferred Interest promotions)
`Under this promotion, no interest charges will be assessed if the promotional purchase balance, including any related optional
`credit insurance/debt cancellation charges, is paid in full within the promotional period. If the promotional purchase balance is
`not paid in full by the end of the promotional period, interest will be imposed from the date of purchase at the
`Purchase APR
`stated above. This pramaticn may be offered for pericds of
`6 months.This promotion may be offered for periods that expire in
`January 2021.
`Please keep this for your records.If you have any questions, please call us at the Customer Service number shown on your
`statement.
`
`Cardholder News & Information
`
`Weare here to support you and are working hard to ensure our Synchrony Team members can continue to provide you with
`uninterrupted, dependable service. We encourage you to use our online and mobile servicing tools. To register or log in to your
`account, navigate to "Login" at the top of the www.MySynchrony.com home page.
`
`As COVID-19 andits impact continue to evclve and develop, we remain focused on the health and safety of our employees and
`our communities, as well as our commitment to you, our customers.
`
`We are also aware that some of our customers may experience financial hardship as a result of COVID-19. If you are impacted,
`please contact us to discuss how we can help.
`Synchrony Bank may continue to obtain information, including employment and income information from others about you
`(including requesting reports from consumerreporting agencies and other sources) to review, maintain or collect your account.
`Please Note: The Privacy Policy for this accountis available through the Privacy Policy link below. Please take a moment to
`readit, then keepit with other financial documents. If you have previously opted-out, you de not need to do so again.
`
`Special Messages
`This spring, organize your bedroom with the help of Reoms To Go! With a huge selection of quality bedroom furniture including
`storage beds, nightstands and dressers, we offer so many ways to keep your bedroom neat and serene. Vhether your style is
`
`5302
`
`DSH
`
`1
`
`7
`
`20
`
`200323
`
`PAGE 2 of 3
`
`9073
`
`12600 RGIS O1DG5S302
`
`

`

`5302
`
`DSH
`
`1
`
`7
`
`20
`
`200323
`
`PAGE 3 of 3
`
`9073
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`12600 RGIS O1DG5S302
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