Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 1 of 45 PageID #: 4

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- -108'//0l
STATE OF RODE ISLAND A PROVIDENCE PLANTATIONS
PROVIDENCE, SC.
WILLIAM J. RUOTOLO,
Plainti
v:
A, INC.
CHASE RECEIVABLES,
SUPERIOR COURT
CIVIL DOCKET# C.A. PC14-
A PROFESSIONAL COLLECTION AGENCY,
CHASE RCEIVABLES, INC.,
CONVERGENT OUTSOURCIG, INC., and
EOS CCA,
Defendants
NOTICE OF A LAWSUIT AN REQUEST TO WAIVE SERVICE OF A
SUMONS
To: EOS CCA
700 Longwater Drive
Norwell, M 02061
A lawsuit has been commenced against you (or the entity on whose behalf
you are adcessed). A copy of the complaint is attached to this notice. It has been
filed in the Superior Court of Rode Island fr the County of Providence ad has
been assigned docket number identifed above.
This is not a fimal sum ons or notifcation fom the court, but rather my
request that you sign and retur the enclosed waiver of service in order to save the
cost of serving you with a judicial summons and an additional copy of the
complaint. The cost of service will be avoided if I receive a signed copy of the
waiver within thirty (30) days aer the date designated below as the date on
which this Notice and Request is sent. I enclose a sta1ped and addressed
envelope for your use. A extra copy of the waiver is also attached fr your
records.
If you comply with this request and ret the signed waiver, it will be
fled with the colrt and no suons will be served on you. The action will then
proceed as if you had been served on the date the waiver is fled, except that you
-
J Ai l 4 .2014.
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 2 of 45 PageID #: 5
RUOTOLO v. EOS CCA. et al., PC2013-To Be Determiner
w
ill not be obligated to answer the complaint befre 60 days fom the date
., designated below as the date on which this notice is sent (or befre 90 days fom
that date if your address is not in the United States) .
If you do not retu the signed waiver within the time indicated, I will talce
appropriate steps to efect frmal service in a ma er autorized by the Superior
Cou Rules of Civil Procedure and will then, to the extent authorized by te
Rules, ask the cou to require you (or the pay on whose behalf you are
addressed) to pay the fll costs of such service. I that connection, please read te
statement concerg the duty of paies to waive the service of te sumons,
which is set frth on the reverse side (or at the fot) of the waiver frm.
I afrm that this request is being sent to you on behalf of the plaintif, this
22n
d
day of January, 2014.
2
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 3 of 45 PageID #: 6
RUOTOLO v. EOS CCA. et al., PC2013-To 13c Determined
WAIVER OF THE SERVICE OF SUMMONS
To: WILLIAM J. RUOTOLO, PLAINTIFF
(ame of the plainti's attorney or unrepresented plaintif
I have received your request to waive service of a summons in this action
along with a copy of the complaint, two copies of this waiver frm, and a prepaid
means of returing one signed copy of the frm to you.
I, or the entity I represent, agee to save the expense of serving a su ons
ad complaint in this case.
I understand that I, or the entity I represent, will keep all defnses or
objections to the lawsuit, the court's jurisdiction, ad the venue of the action, but
that I waive any objections to the absence of a su ons or of service.
I also understand that I, or the entity I represent, must fle and serve an
aswer or a motion under Rule 12 within 60 days fom the date when this request
was sent (or 90 days if it was sent outside the United States). If I fil to do, so, a;:
:
defult judgment will be entered against me or the entity I represent.
Date:

Signature of the attorney or unrepresented part
Printed name of part waiving service of summons
Address
E-mail address
Telephone number
Duty to Avoid Unnecessar Expenses of Sering a Summons
Rule 4 of the Federal Rules of Civil Procedure requires certain defndants
to cooperate in saving unnecessa expenses of serving a su ons and
complaint. A defndant who is located in te United States and who fils to
ret a signed waiver of service requested by a plaintif located in the United
3
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 4 of 45 PageID #: 7
RUOTOLO 1' EOS CCA. et a/.,PC201 3-To Be Determined
States will be required to pay the expenses of service, unless the defndant shows
good cause for the filure. "Good cause" does not include a belief that the l awsuit
is groundless, or that it has been brought in a improper venue, or that the court
has no jurisdiction over thi s matter or over the defndant or the defndant's
property.
If the waiver i s signed and returned, you can still make these and all other
defenses and objections, but you canot object to the absence of a summons or of
service.
If you waive service, then you must, within the time specifed on the
waiver frm, serve an aswer or a motion under Rule 12 on the plaintif and fle a
copy with the cou. By signing and retuning te waiver frm, you ae allowed
more time to respond than if a sumons had been served.
C:\wjr\wjr\RUOTOLO v. ani, chase receeivables, convergent outsourcing, eos
cca\complaint\notice of law suit- eos, cca - 01.22.2014.doc
4
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 5 of 45 PageID #: 8
--- -----------. ---
STATE OF RODE ISLAND AND
[ Providence/Bristol County
Licht Judicial Complex
250 Beneft Street
Providence, Rhode Island 02903
D Kent County
Noel Judicial Complex
222 Quaker Lane
Wawick, Rode Island 02886
William]. Ruotolo
Plaintif
v.
AFI, Inc., ct a.
Defendant
To the above-names Defendant:
PROVIDENCE PLANTATIONS
SUPEROR COURT
D Newport Count
Mun-ay Judicial Complex
45 Washington Square
Newport, Rho.de Island 02840
D Washington County
McGrath Judicial Complex
4800 Tower Hill Road
Wakefeld, Rhode Island 02879
I
Civil Action, File Number
SUMMONS
EOSCCA
700 Longater Di:ive
Norwell, M 02061
. The above-named Plaintiff has brought an action against you insaid Superior Court in the county indicated
above. You are hereby sum oned and required to serve upon
William]. Ruotolo
, te Plaintifs attorey, whose address is
PO Box 111, North Scituate, R 02857
\
an
answer to the complaint which is herewith served upon you within twenty (20) days after service of this
sum ons upon you, exclusive of the day of service.
If you fil t do so, judgment by defult will be taken. against you fr the relief deminded in the complaint.
Your answer must also be fled with the court.
As provided i Rule 13(a) of the Superior Court Rules of Civil Procedure, unless the relief demanded in
te complaint is fr damage arising out of your ownership, maintenance, operation, or control of a motor
vehicle, or unless otherwise provided in Rule 13(a), your answer must state as a counterclaim any related
claim which you may have against the Plaintif, or you will thereafer be ba11ed from making such claim in
any other action.
Clerk
Dated:
(Seal of the Superior Court)
Superior- I (revised October 2012)
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 6 of 45 PageID #: 9

wrLLIAirJ. RuoToLo
January 6, 2014
Clerk of Court
PROVIDENCE SUPERIOR COURT, CIVIL
250 BENEFIT STREET
PROVIDENCE, R 02903
RE: William J. Ruotolo, Plainti
v.
AFNI, Inc., et al., Defndants.
C.A. PC14-To
.
Be Detennined
Dear Sir/adae:
Enclosed fr fling please fnd the fllowing:
*

1. COMPLAINT BY PLAINTIFF, WILLIAM. J. RUOTOLO AGAINST DEFENDANTS,

AN, INC., CHASE RBCEIV ABLES, A PROFESSIONAL COLLECTION AGENCY,
CHASE RECEIVABLES, INC., CONVERGENT OUTSOURCING, INC.; AND BOS
CCA;
.
. +
2. Five Suimonses to be stamped by the Clerk of Cou fr Service of Process;
3. Check in the aount of $160.00; and
4. A self-addressed and stamped envelope fr retun of the nclosed sum onses fr the
Court's Seal.
Tayou.
Sincerely,

. William J. Ruotolo
C:\1ir\wjr\RUOTOLO v. afni, chase receeivables, convergent outsourcing, eos cca\complaint\clerk of doitrt
01.06.2013- complaint,flingfee.doc
`.
r .
PO Box 111, NORTH SCITUJTl.!, RI 02857 (401) 489.1051 WIJ.J,liMJRUO'l'OJ.q@<JMJ11 .. C:OM
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 7 of 45 PageID #: 10
TATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS
SUPERIOR COURT
CIVIL CASE COVER SHEET 'CASE#
THIS FORM MUST BE FILED WITH EACH ORIGINAL DOCUMENT THAT COMMENCES A CIVIL PROCEEDING IN THE CLERK'S
OFFICE. IF THE CASE IS A DISTRICT COURT APPEAL, THIS FORM MUST BE FILED WITH THE APPEAL IN THE DISTRICT
COURT AND WILL BE TRANSFERRED WITH OTHER DOCUMENTS TO THE SUPERIOR COURT.
William J. Ruotolo AFNI, Inc., et al.
PLAINTIFF .iD# DEFENDANT ID#
..
NATURE OF ROCEEDING - CHECK ONE APPLICABLE CASE TYPE UNDER.MAIN CATEGORIES LISTED BELOW.
CIVIL ACTION

( ) A AGENCY APPEAL ( ) EX EXCESSIVE TAX ( ) PJ PERSONAL INJURYNEHICLE

( ) AB ASSAULT AND BA ITERY
( ) FF FORFEITURE ( ) PL PRODUCT LIABILITY
( ) AE ASBESTOS CASES ( ) FG FOREIGN JUDGMENT ( ) PR PARTITION
( ) Al ANTI-TRUST ( ) FS FRIENDLY SUIT ()RC REINSTATE CHARTER
( ) BA BOOK ACCOUNT ( ) ID PER INJURY/PROP DAMNEH ( ) PT PROMISSARY NOTE
( ) BP BILL OF RIGHTS-POLICE OFF ( ) IJ INJUNCTIVE RELIEF ( ) RY REAL PROPERTY
( ) CH CIVIL RIGHTS/JOB DISCRIM ( ) IP INTERPLEADER ( ) SA SEXUAL ABUSE
( ) Cl CRIMINAL INJURY COMP ( ) KP KUGEL PATCH ( ) SF SPECIFIC PERFORMANCE
( ) CL COMMON LAW ASSIGNMENT ( ) LC LEAD CASE ( ) SX SEXUAL HARASSMENT
( ) CM COMMON LAW LIEN ( ) LS LIBEUSLANDER ( ) TD CONTRACT DAMAGES
( ) CS CONVERSION ` ( ) ME MALPRACTICE/LEGAL ( ) TE TRESSPASS AND EJECTMENT
( ) CV CRIMINAL CONVERSION ( ) MM MALPRACTICE/MEDICAL ( ) TO TITLE CLEARING
( ) CH CIVIL RIGHTS/JOB DISCRIMIN ( ) MO MALPRACTICE/OTHER ( ) TV TRUSTEE/APPT CONVEY TITLE
( ) DJ DECLARATORY JUDGrENT ()MR MERS ( ) TG TRUSTEE/ACCOUNTING
( ) DG RECOVERY OF DAMAGES ( ) OV OTHER CIVIL ACTION ( ) UM UNINSURED MOTORIST
. ( ) DB DEBT ON JUDGMENT ( ) PB PROPERTY DAMAGES ( ) WO WRONGFUL DEATH/ OTHER
V DD DECEPTIVE TRADE PRACTICE ( ) PG PROPERTY DAMAGESNEH ( ) WE WRONGFUL DEATH/ MED. MAL
( ) ON DENIAL OF PROBATE CLAIM ( ) Pl PERSONAL INJURY ( ) WM WRIT OF MANDAMUS
This case invulvcs the folh>wi! Cuun': !Federal and Smee Pak Debt Collection Practices Ad;
) WR WRIT OF REP LEVIN
MISCELLANEOUS PETITION
Vlnliltions, 2) Fraud, and 3) Unfar Business Dcnlings/fnd Fath Couts.
(')AC ARBITRATION/CONFIRM ( ) GJ GRAND JURY INVESTIGATION ( ) PX PETITION TO EXPUNGE
( ) AD ARBITRATION AWARD ( ) HC HABEAS CORPUS ( ) PY PETITION INVENT (WIRE TAP)"
( ) AS ASSESSMENT OF DAMAGES ( ) LN LEVEL COMMUN NOTIFICATION ( ) RB ARBITRATION REFERRAL
( ) CE CONDEMNATION ( ) ML MECHANICS LIEN
( ) CN CONFIRM COMPROMISE ( ) MW MATERIAL WITNESS
( ) CP CONTEMPT ( ) OM OTHER MISC PETITION
( ) DI DISCLAIMER (! )OW OUT OF STATE WITNESS
( ) DS

DISSOLUTION OF CORP ( ) PC POST CONVICTION RELIEF
( ) OT .DECLINATION OF TRUSTEE ( " )PD PETITION TO TAKE DEPO
( ) EN END PARTNERSHIP ( ) PM PETITION FOR IMMUNITY
( ) FC FORFEITURE OF CHARTER ( ) PO PETITION FOR CONSTABLE
( ) FL FORECLOSURE RIGHTS REDEM( ) PS PERFORM SURGERY
PROBATE APPEAL
( ) GO GUARDIANSHIP
( ) NC NAME CHANGE
DISTRICT COURT APPEAL
( ) DISTRICT COURT APPEAL
!TRIAL (
YES
( ) OA OTHER PROBATE APPEAL
()TU TRUST
() NO IF YES:
ATTORNEY NAME AND RHODE ISLAND BAR NUMBEa:
- .PRO SE/NAME: William J. Ruotolo
' SC-223
Superior-3 (revised October 2011)
"
( ) RP RULE SA PETITION
( ) RV RECEIVERSHIP
( ) SO SEXUAL VIOLENT PREDATOR
( ) SS STRUCTURED SETTLEMENT
( ) TA APPOINTMENT OF TRUSTEE
( ) TC TITLE CLEARING (TAX TITLE)
( ) TL FORECLOSURErAX LIEN
( ) TS TRUSTEE SUCCESSOR
( ) VC VACATE ARBITRATION
( )WL WILL
(v) JURY () NON-JURY
DATE:Janua 6 2014
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 8 of 45 PageID #: 11
J
STATE OF RODE ISLAND AND PROVIDENCE PLANTATIONS
PRQVIDENCE, SC.
WILLIAM J. RUOTOLO,
Plainti
v.
AFNI, INC.,
CHASE RECEIVABLES,
SUPERIOR COURT
CIVIL D
.
OCKET # C.A. PC14-
A PROFESSIONAL COLLECTION AGENCY,
CHASE RECEIVABLES, INC.,
CONVERGENT OUTSOURCiNG,}C., and
EOS CCA,

Defendants
COMLAINT :Y PLAINTIFF, WILLIAM J. RUOTOLO.AGAINST
. DEFENDANTS, AFNI, INC., CHASE RCEIVABLES, A PROFESSIONAL
COLLECTION AGENCY, CHASE RECEIVABLES, INC., CONVERGENT
'OUTSOURCING, INC., AND EOS CCA
NOW COMES the Plaintif, WILLIAM J. RUOTOLO and states as
fllows:
1. The Plaintif, WILLIAM J. RUOTOLO, is a Rode Islad resident ..
whose curent address is PO Box 111, North Scitiate, R 02857.
2. The Defndat, A, INC., is an entity incororated in the state
of Illino. is and is a cororation which provies debt collection services,

has a usual
business address listed
.
as 310 Main Luther King Drive, Bloomington, IL
6
1702-
3517, and whose registered agent fr service of process

is Gregory J. Donovan,
404 Brock Drive, Bloomington, IL 61701.
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 9 of 45 PageID #: 12
RUOTOLO i. EOS CCA et a/.,PC201 3-To Be Determined
if,
3. Te Defendant, CHASE RCEIVABLES, A PROFESSIONAL
COLLECTION AGENCY, is an entity inco1porated in the state of Califria and
, j ,
is a cororation which provic;es debt collection services, has a usual business
i . : *
address listed as 1247 Broadway, Sonoma, CA 95478, and whose registerci agent
fr service of process is TeITemce L. Paff, 951 Califra,

Blvd., Napa,

cA
94559 .
.
i
4. Te Defendant, CHASE RECEIVABLES IC., is an entity
incororated in the state of Califria ad is a cororation wich provides debt
collction services, has a usual business address listed as 124 7 Broadway,
. Sonoma, CA 95478, and whose registered agent fr service of process is
Tenemce L. Paf, 951 Califrnia, Blvd., Napa, CA 94559 and
.
as of November 22,
2013, the Secretary of State's website indicates tis entities status is
"SUSPENDED."
i
5. The Defndat, CONVERGENT OUTSOURCING,
.
INC., is a
entity incororated in the state of Washington ad iS a cororation which provides
debt collection services, has a usual business address. listed as 800 SW 39th
Steet, PO Box 9004, Renton, WA 98057, and whose registered agent fr service
of process is Steven J. Hunter, 800 SW 39
th
Street, WA 98057"9004.
i 6
.
.
The Defendat, EOS CCA, is an entity which is engaged in debt
col!ection throughout the United States with a usual place of business at 700
Longwater Drive, Norwell, M 02061, and its inten1et website indicates the
fllowing concering

BOS CCA: "The EOS Group is a group of companies active
'troughout the world, with more tha 40 subsidiaries and associaed companies in
2
* +
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 10 of 45 PageID #: 13
RUOTOLO v. EOS CCA. et a/.,PC20l3-To Be Dctcrmined
'
.
over 20 counries. Its headquater aie in Hamburg (Germany)," and that "EOS
.
.
CCA is headquartered just outside Boston in Norwell, Massachusetts." See
http://Ww. eos-cca.com/AboutEOSCC/tabid/56/Defult.aspx. It is not
registered with the Massachusets Secretary of State, Coiporatioris Division under
.. .
' .
.
the name EOS CCA. BOS CCA is a entity which provides debt collection
services.
i
7. Beginning in, or aiound Januay, 2012, and at times thereafer, the
Defndants, and or their predecessors or assigns, at various times provided debt 1
collection serices to creditors and purported creditors to the best of the Plaintiff's
.
. .
knowledge a1d belief.
, 8. In, or around January, '2012, the Defendants, were subject to The
Fair Debt Collection Practices Act -Pub. L. 109-351,
.
S01-8l9, 120 Stat. 1966
((2006)) and 15 U.S.C. 1692-1692p and The Rhode Islad
.
Fair Debt
CollectionPractices R. I. G.L. 19-14.9-1 through 19-14.9-14 . .
, 9
.
In, or ao
1
d Jauary, 2012, the Defendats, ad or their
predecessors or assigns, were aware that the Plaintif contested the debt ad proof
\
.
of debt and requested documents, information and proof of debt \y, inter alias,
requesting the fllowing:
a. "It was requested that tey provide, within fve (5) business days
a1y proof of claimed debt owed.

b. A brakdown of the claimed debt with respect to amounts owed
and dates on which claimed debt was owed .
.'
3
\'
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 11 of 45 PageID #: 14
RUOTOL01' EOSCCA.eta/.,PC2013-To Be Determind
c. It is requested that they provide proof of signatres on a claimed
debt owed.
d. It is requested that they immediately advise who the original
claimed creditor was and wheter the claimed debt has been
purchased ad by whom.
e. They were requested to provide all notices and documentation
required in compliance with the Federal Far Debt Collection
Practices Act.
f. I is requested that they provide proof of debt ad signatures of
t
he
purorted debtor from their predecessors collection agents and the
claimed Creditor, if any.
g
.
It is requested that they provide any and all documentation with .
respect to how the original creditor, successive creditor(s), or any
collection agency has calculated the aount which is claimed to be
owed.
h. I is requested that any and all documentation purorting to be. a
contact on wch tey or ay creditor with a interest in the above
between the undersigned and the ORIGINAL creditor.
i. Infrmation identifing the name of any purchaser or purchas

rs of
the claimed debt.
j . It ,is requested that any contract purorting to sell or transfr any
debt obligation wich claims to involve the Creditor named i their
communications to the Plaintif
4
(
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 12 of 45 PageID #: 15
RUOTOLO 1'. BOS CCA. et al =

PC2013-To Be Determined
k. Any and all docuentation related tp notices sent. by VERIZON
concering claimed delinquency with' respect to an account in the
name of the undersigned fr the past three (3) years.
1. Any and all documentation refecting payments nade to VERIZON,
including but not limited to, copies of cancelled checks, electronic
payments fom the undersigned's ba account, ad a other
electonic payments made t o VERIZON."
10. The Defndants filed to comply with a majority of the requests.
and filed to comply with Te Fair Debt Collection Practices Act - Pub. L. 109-
351, 801-819, 120 Stat. 1966 ((2006)) and 15 U.S.C. 1692-1692p and The

Rhode Island Fair Debt Collecti01) Practices R.I. G.L. 19. -14.9-1 through 19-
14. 9:14.
11. , ' addition to the above, the Defndats provided infoimation to
te Plaintif that was flse and/or misleading with the intent that the Plaintif rely
on said inforation to his fnancial dtriment.
, 12. A a direct and proximate. cause of the acts of Defndants' conduct?
misrepresentation, bad fat, and faud, the Platif was fnancially harmed.
CAUSES OF ACTION
COUNT I
(Violation of The.Fair Debt Collection Practices Act- Pub. L. 109-351,
801-819, 120 Stat. 1966 ((2006)) and 15U.S.C. 1692-1692p)
, 13. Te Plantif, WLLIAM J. RUOTOLO, repeats and re-avers
paagraphs 1tough 12 above as if they were stated here verbathi1.
5
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 13 of 45 PageID #: 16
RUOTOLO V EOS C'CA. a/., PC2013-To Be Determined
i
14
.
Beginning in, or around January, 2012, and at times thereafer, the
Defndants, and or their predecessors or assigns, at various times provided
communication
i
15. In, or around January, 2012, the Defendants, were subject to Tliv
Fair Debt Collection Practices Act-Pub. L. 109-351, 801-819, 120 Stat. 1966
((2006)) and 15 U.S.C. 1692-1692p and The R1ode Island Fair Debt
Collection Practices R.I. G.L. 19-14.9-1troug 19-14. 9-14.
i
16. I, or aroud January, 2012, the Defndans, and or their
predecessors or assigns, were aware that the Plaintif contested the debt and proof .

of debt and requested documents, information and proof of debt by, inter alias,
requesting the fllowing:
a. "It was requested that they provide, within fve (5) business days any
proof of claimed debt owed.
b. A breadown of the claimed debt with respect to amounts owed and dates
on which claimed debt was owed.
`
c. It is requested that they provide proof of signatures on ay claimed debt
owed.
d. I is requested that they immediately advise who the original claimed
creditor was and whether the claimed debt has been purchased and by
whom.
e. They were requested to provide all notices and documentation required in
compliance with the Federal Fair Debt Collection Practices Act.
6
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 14 of 45 PageID #: 17
RUOTOW 1',BOS CCA. tal., PC2013-To Be Determined
f. I is requested_ that they provide proof of debt and signatures of the
purported debtor fom their predecessors collection agents and the claimed
Creditor, if ay.
g. It is requested that they provide aiiy and all documentation with Tespect to
+ .
how the original creditor, successive creditor(s), or a1y collection agency
has calculated the amount which is claimed to be owed.
h. It is requested that ay ai1d all documentation puorting to be a co
1
tract
on which they or any creditor wth an interest in the above between the
undersigned and the ORGIAL creditor.
i. Infrmation identifing the nan1e of any purchaser or purchasers of the
claimed debt.
j
. I is requested that any contract

purporting to sell or trai1sfr any debt
obligation which claims to involve the Creditor naed in their
communications to the Plaintif

k. Any and all docuentation related to notices sent by VERIZON concering

1
claimed delinquency with respect to an account in the nane of the
udersigned fr the past three (3) years.
.++
1. Ay ad all documentation reflecting payments made to VERIZON,
,
including but not limited

to, copies of cai1celled checks, electonic

payments fom the undersigned's ba account, and ay oter electronic
payments made to VERIZON."
17. .The Defndants faled to comply with a majority of the requests
and filed to comply with The Fair Debt Collection Practices Act - Pub. L. 109-
7
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 15 of 45 PageID #: 18
.~~~~~~~=~-~~~ -

w
RUOTOLO 1. EOS CCA. Cal .,PC2013-To Be Determined
351, 801.8
.
19, 120 Stat. 1966 ((2006)) and. 1
?
U.S.C. 1692-1692p and The
Rhode Island Fair Debt Collection Practices R.I.G.L. . 19-1(9-1 trrough 19-
14.9-14.
18. As a direct and proximate cause of the acts of Defendans' conduct,
misrepresentation, bad fath, ad faud, the Plantif was fnancially hanned.
I addition to the above, the Defendants provided infrmation to the Plaintif that
. .
was false and/or misleading with. the intent that the Plaintif rely on said
infonnation to his fnancial de, timent.
19. WREFORE, te Plaif, WLIA J. RUOTOLO, demands
judgment against te Defndats, AFNI, INC., CHASE RECEIVABLES , A
PROFESSIONAL COLLECTION AGENCY, CHASE RECEIVABLES, INC.,
CONVERGENT OUTSOURCING, INC., and EOS CCA, jointly and severally, i
the anlout of $70,000:00 plus interests, costs, and attomeys fes and fr whatever
oter damages the Court sees fit and just.
COUT I
(iolation of The Rhode Island Fair Debt CollectiOn Practices R.I.G.L. 19-
14.9-1 through 19-14.9-14)
.
20. The Plaintif, WLIAM J. RUOTOLO, repeats and re-avers
paragaphs 1 though 19 above as if tey were stated here verbatim.
21. Beginning in, or around January, 2012, and at times thereafer, the
Defndants, and or their predecessors or assigns, at various times provided
comunication
22. In, or arotmd January, 2012, the Defndats, were subject to The
Fair Debt Collection Practices Act -Pub. L. 109-351, 801-819, 120 Stat. 1966
8
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 16 of 45 PageID #: 19
RUOTOLO 1' BOS CCA. Ca/., PC2013-To Be Determined
((2006)) and 15 U.S.C. 1 692-1 692p

ad The Rode Island Fair Debt

Collection Practices R.I.G.L. 1 9
.
-14.9-1 through 1 9-14. 9- 1 4.
4 23. In, or aound January, 2012, the Defndants, and or their
predecessors or assigns, were aware that the Plaintif contested the debt and proof
of debt and requested documents, infrmation and proof of debt by, inter alias,
requesting the fllowing:
a. "It was requested that they provide, within fve (5) business days any
proof of claimed debt owed.
b. A breakdown of the claimed
.
debt with respect to amounts owed and dates
on which claimed debt was owed.
c. It is requested that they provide proof of signatures on any claimed debt
owed . .
d. I t is requested that they immediately advise who the original claied
creditor was

and whether the claimed debt has been purchased ad by

whom.
e. They were requested to provide all notices and documentation required in
compliace with the Federal Fair Debt Collection Practices Act.
. -
f. It is requested that they provide proof of debt and signatures of the
purorted debtor fom their predecessors collection agents ad the claimed
Creditor, if any.
g. It is nguested that they provide any and all documentation with respect to
how the original creditor, successive creditor(s), or any collection agency
has calculated the amount which is claimed to be owed.
9
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 17 of 45 PageID #: 20
RUOTOLO Y. EOS CCA. et al., PC2013-To Be Deterri1ined
h. It is requested that any ad all documentation purporting to be a contract
on which they or any creditor with an interest in the above between the
undersigned and te ORIGINAL creditor.
i. Infrmation identifying te name of ay purchaser or purchasers of the
claimed debt.
.
.
J.
It is requested that any contract purporting to sell or transfer any debt
obligation which claims to involve te Creditor named in

teir
corntmications to the Plaintif.
k. Any and all documentation related to notices sent by VERIZON concering
claimed delinquency with respect to al account in te name of the
undersigned fr the past three (3) years.
1. Any ad
.
all documentation refecting payments made to VERIZON,
including but not limited to, copies of cancelled checks, electronic
payments fom the 'undersigned's bmlic account, and any other electronic
payments made to VERIZON."
' 24. The Defndm1ts filed to comply with a majority of the requests
and failed to comply with The Rhode Island Fair Debt Collection Practices
R.I.G.L. 19-1 4.9-1 through 19-14.9-14.
' 25. As a direct mid proximate cause of the acts of Defndants' conduct,
misrepresentation, ad faud, the Plaintif was fnancially hrumed.
' 26. WRFORE, the Platif, WILLIAM J. RUOTOLO, demands
judgment agaist te .Defndants, AFNI, INC., CHA$E RECEIVABLES , A
-
)
PROFESSIONAL COLLECTION AGENCY, CHASE RCEIVABLES, INC. ,
. .
10
I
1
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 18 of 45 PageID #: 21
RUOTOLO V. EOS CCA. a/.,PC2013-To Be Determined
CONVERGENT OUTSOURCIG, INC., and BOS CCA, jointly and severally, in
te amount of $70,000.00 plus interests, costs, and attoreys fes and fr whatever
)
other damages the Court sees ft and just.
III
(raud)
i
27. The Plaintif repeats and re-avers paragraphs 1 though26 above as if
they were stated here verbatim.
i
28. In, or around January, 2012, the Defendants, were subject to The
Fair Debt Collection Practices . Act - Pub. L. 109-351, '801-819, 120 Stat. 1966
. .
((2006)) and 15 u.s.c. 1
?
92-1692p and The Rhode Islad Fair

Debt
Collection Practices R.I.G.L. 19-14.9-1 tl ough 19-14.9-14.
i 29. I, or aound January, 2012, the Defndants, ad or their
predecessors or assigns, were aware that the Plaintif contested the debt and proof
of debt and requested documents; inorJation and proof of debt by, inter alias,
requesting the fllowing:
a. "It was requested that thy provide, wti fve ( 5) business days any
\ '
proof ofdaimed debt owed.
b. A breadown of the claimed debt with respect to amounts owed and dates
on which claimed debt was owed. (
c. It is requested that they provide proof of signatues on any claimed debt
owed.
d. It is requested that they immediately advise who the original claimed
creditor was and whether the claimed debt has
.
been purchased and by
whm.
11
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 19 of 45 PageID #: 22
RUOTOLO \' BOS CCA, et a/ oy PC2013-To Be Determined
+ *
e. They were requested to provide all notices and docunientation required in

compliance with the Federal Fair Debt Collection Practices Act.
f. It is requested that they provide proof of debt and signatures of .the
purorted debtor fom their predecessors

collecti01i agents and the claimed
Creditor, if any ...
g
.
I is requested that they provide any and all documentation wth respect to
how the. origial creditor, successive creditor(s), or any collection agency
has calculated te amount which is claimed to be owed.
h. It is requested that any and all docume1itatio11 purporting to be a contact
J
on which they or any creditor with an interest in te above between the
undersigned ad the ORIGINAL creditor.
i. Infrmation identifying the name of a purchaser or purchasers of the
cfaimed debt.
j.
It is requested tat any contact purporting to sell or transfi any debt
obligation which claims to involve te Creditor named in their
. commUnications to the Plaintif.

k. Any and all documentation related to notices

sent by VERIZON concering
claimed delinquency with respect to an account in the nae of the
undersigned fr the past tluee (3) years.
1
I. Any and all documentation refecting payments made to VERIZON,
including but not limited to, copi. es of cancelled checks; electronc
payments fom the undersigned's bank account, :nd any other electronic
payments made to VERIZON."
12
.
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 20 of 45 PageID #: 23
1
. \
RUOTOLO V. EOS CCA. al ,1'2013-To Be Determined
30. The Defndants filed, to comply .with a majority of the requests
.
+

+
,

* :

+
*

ad failed to co1nply with The Rhode Island Fair

Debt

Collection Practices
R.I.G.L. 19-14.9-l through 19-14.9-14.
31. As a direct ad proximate cause of the acts of Defndants' conduct,
misrepresentation, and faud, the Plaintif wa fnacially.ha ed.
32. As of te writing of this Complaint, the Defendats have faled to
provide the information requested above.
33. The Defndants, witout cause, justifcation, or excuse, faudulently
misrepresented facts to te Plantif wth the intent
.
that he rely upon them to his
financial detiment as well a:
a. Made fase and/or misleading statements, with fll
knowledge tat such statements were false and/or misleading or, in te
alterative, should have known that such statements were false and/or
misleading tat had, an
.
have, the capacity, tendency, or efect, of
misleadig ad/or deceiving, Rhode Island Consuers and more paicularly
mislead or deceived te Plaintf;

b. Faled to state material fcts concerg a contract entered

.
into between Verizon and Plaintif;
c. Attempted to collect a debt fom the Plantif had no proof of
contract under which they could collect monies fom the 'Plaintif;
d. Failed to connn or tae reasonable steps to ensure tat te
debt had not been contested to the purorted Creditor;
13
.1
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 21 of 45 PageID #: 24
.
RUOTOLO v. EOS CCA. et <.,PC2013-To Be Determined
e. Failed to confn or take reasonable steps to ensur that the
debt had nOt been contested to prior debt collectors;
. .
.
.
f. Failed to ir te Plaintif that they had no proof of
.
contract under which tey could collect monies fom te Plaintif and
atte
l
pted to collect monies just the sae;
g. Intentionally filed to comply with te Federal Fair Debt
Collection Practices Act Fair Debt Collection Practices Act ("FDCP A"
hereinaer); As amended by Pub. L. 109-351, 801-819, '120 Stat. 1966
(2006) and 15 U.S.C. 1692-1692p. as well as the Rhode Island Fair Debt
,Collection Practices Act ("R FDCPA" hereinaer), R.I.G.L. 19-14.9-1
tough 19-14.9-14 with kowledge that they had no legal right to recover
a debt against te Plaintif;
h. Knowngly attempted to collect a debt that te puorted
creditor or original creditor had assigned fr collection to other frms ad/or
knew fom te creditor or origina creditor that the debt was contented.
i
34. Begining in, or around January, 2012, and at times thereafe:, the
Defndants, and or their predecessors or assigns, by

teir conduct violated Ti

Fair Debt Collection Practices Act - Pub. L. 109- 351, 801-819, 120 Stat. 1966
((2006)) and 15 U. S. C. 1692-1692p and The Rhode Island Fair Debt
Collection Practices R.I.G.L. 19-14.9-1 through 19-14.9-14.
i
35. WRFOR, the Plaintif, WILLIAM J.RUOTOLO, demands
judgent

against te Defndants plus interests, costs, and attoreys fes and fr
whatever oter damages te Court sees ft and just.
14
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 22 of 45 PageID #: 25
RUOTOLO 1'. BOS CCA. et ai v PC2013-To Be Determined
COUNT I
(nfir'Business Dealings/Bad Fait)
, 3 6. The Plaintif re-alleges, re-avers and incorprates herein by
reference the allegations set frth in paragraphs 1 tluough 35 above.
, 3 7. The Defendants, TRCFONE WIRLESS, INC. and ABC,
ALIAS ("Defndas" hereinafer) is a freign corporatfon with a usual place of
business at 9 700NWI12th Avenue, Miami, FL 331 78 and is conducting business
within the State of Roe Island, has its corporate headq

arters domiciled at 9 700

NW 112th Avenue, Miami, FL.331 78 ad has no registered agent fr service of
process listed with the Rhode Island Secretary of State.
, 38 . _ I, or around Jauary, 2012, the Defndants, and or their
predecessors or assigns, were aware that the Plaintif contested the. debt and proof
' I
of debt and requested documents, information and proof of debt by, inter alias,
requesting the fllowing:
a. 1'I was requested tat they provide; witin fve (5) business days any
proof of claimed debt owed.
b. A breal(down of the claied debt with respect to aounts owed and dates
on which claimed debt was owed.

c
.
It is requested that they provide proof of signatures on any claimed debt
owed.
d. I is requested that they immediately advise who the original claimed
creditor was ad whether the clamed debt has been purchased ad by
whom.
15
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 23 of 45 PageID #: 26
RUOTOLO v. EOS CCA. et cPC2013-To Be Deiermined
e. They were requested to provide all notices and docmentation required in
compliance with the Federal Fair Debt Collection Practices Act.
f. I is requested that they provide proof of debt and signatures of the
purported debtor fom their predecessors coll

ction agents and the claimed

Creditor, if any.
g. It is requested tat they provide any and all documentation with respect to
how the original creditor, successive creditor(s), or any collection agency
'
has calculated the amount which is claimed to be owed.
h. It is requested that auy and all documentation purporting to be a contract
on which they or any creditor with an interest in the above between the
undersigned and the ORGIAL creditor.
i. Infnnation identifying the name of any purchaser

or purchaers of the
claimed debt.
j. I is requested that any contact purorting to sell or transfr any debt
obligation which claims to involve the Creditor .named m their
communications to te Plaintif.
k. Any ad all doc1 entation related to notices sent by VERIZON concering
claimed delinquecy wit respect to an account m the name of the
undersigned fr the past three (3) years.
I. Any and all documentation

refecting payments made to VERIZON,
including but not lin1ited to- , copies of cancelled checks, ele. ctroni
J
payments fom the undersigned's bank account, and any other electronic
payments made to VERIZON."
16
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 24 of 45 PageID #: 27
. . .'
RUOTOLO v. EOS CCA. et al., PC2013-To Be Determined
, 39. The Defendants filed to comply with a majority of the requests
and

failed to comply with The . Rhode Island Fair Debt Collection Practices
R.I.G.L. 19-14.9-1 tlough 19-14.9-14.
, 40. As a direct and proximate cause of the act: of Defndants' conduct,
misrepresentation, and bad faith, and faud, the Plantif was fmancially hamed.
41. As of the writing <f this Complaint, the Defndants have filed to
provide the information requested above.
, 42. The Defndants, without cause, justifcation, or excuse, faudulenty
-
misrepresented fcts to te Plaintif with the intent that he rely upon them to his
fnancial detment as well as:
a. Made flse andior misleading statements,. wit11 fll .
knowledge that such statements .were 'false and/or misleading or, in the
.
alterative, should have known that such statements were flse and/or
misleading that had, and have, the capacit, tendency, or efect, of
misleading and/or deceiving, Rhode Island Consuers and more particulaly
mislead or deceived te Plaintif;
b. Failed to state material fcts concerg a contact entered
into between Verizon and Plantif;
c. Attempted to collect a debt fom the Plaintif had no proof of
contact under wich they could collect monies fom the Plaintif;
d. . Faled to conr or take reasonable steps to ensure that the
debt .had n0t been contested to the puorted Creditor;
17
\.
"
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 25 of 45 PageID #: 28
RUOTOLO'" EOS CCA. el a/.,PC2013-To Be Delermined
e. Failed to confrm or tace reasonable steps to ensure tat the
debt had not been contested to p

ior debt collectors;

.
f. Failed to infor the Plaintif that they had no proof of
contact
.
under wich tey could collect mollies fron1 tl
i
e Pl
ai
f
a
nd
attempted to collect monies ju
s
t te sae;
g. Intentionally failed to comply wit te Federal Fair Debt
Collection Practices Act Fair Debt Collection Practices Act ("FDCP A"
hereinaer), As amended .by Pub. L. 109- 351,

. 801-819, 120 Stat. 196<

(2006) and 15 U.S.C. 1692-1692p. as well as the RJ10de Island Fair Debt
Collection Practices. Act ("R FDCP A" hereinafer), R.I. G eLe 19-14. 9-1
trough 19-14.9-14 w knowledge that they had no legal right to recover
a debt against te Plaintif;
h. Knowingly attempted to collect a debt tat te purported
creditor or original creditor had asigned fr collection to other frms ad/or
knew fom te creditor or original creditor tat te debt was contented.
43. Beginning in', or arouuq Jauary, 2012, and at times thereafer, the
Defndas, and or their predecessors or assigns, by their conduct violated The
Fair Debt Collection Practices Act - Pub. L. 109- 351, 801-819, 120 Stat. 1966
((2006)) ad 15 U.S.C. 1692-1692p and The Rode Island Fair Debt
Collection Practices R.I.G.L. 19-14.9-1 through 19-14. 9-14.
44. Under the laws of the State of Rhode Island, Defendants, had an
obligation to refrain from uir business dealings, 6-13.1-1, et seq. and bad
fath.
18
\
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 26 of 45 PageID #: 29
J'
m~ - ~~- - - ~
RUOTOLO 1. EOS CCA. et al., PC2013-To Be Determined

45.. The Defndant, Defendants, filed to compiy with the statute ad

violated. its obligations to refain fom unfir business dealings, 6-13. 1M1. Et
seq., and bad fith without cause, justification, or excuse, breahed its contact with .
te Plaintif to the Plaintifs finacial detrent in, ainong oter ways, as fllows:
a. Made false.and/or iisleading statements that had, ad have,
te capacity,' tendency, or efect, of misleading and/or deceiving Rhode
Island Coners and more particularly mislead or deceived te Plaiif;
b. Failed to state

material fcts concerng a contract entered
into betwe. en the Defendants and Plaintif;
c. Failed to comply with the ters of the contact or contracts;
d. Failed to resppnd in a reasonable maer to te Plaintif
inorng te Defndant tat te item sold had rissing parts and a defctive
product.
e. Made meangless and irrelevant responses to the Plaintif
concerg te notce of breach of contract afer the Plaintif notifed te
Defndant tat the item sold had missing pas in an u business manner.
f. Failed to respond to te Plaintifs notices tat he was placed
i a position to have to litigate teir breach of contract as they had failed
and/or refsed to respond to his concers tat te product had missing pas
)
and could not be used.
g. Requirng the Plaintif to litigate i order to obtain recovery
fr the Defndant's Breach of Contact.
l
19
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 27 of 45 PageID #: 30
RUOTOLO 1. EOS CCA. el al., PC20 l 3-To Be Determined
h. Mang no meaingfl ofers of resolution once the
Dfndait was infored <f the breach of contract and requiring the Plaif
.
. . . .
.
.
to litigate.
i. Abrogating its contactua obligations wit respect to te
contract between the Plaintif ai1d Defndants.
146. As a direct and proximate causeof the acts of Defendants' conduct,
the Plaintif was :ancally hared.
147. As a direct ad proximate cause of Defndants' violations of te
unfair business statute, the Plaintif has sufered fnancial han.

148. WHRFORE, the Plaintif, WILLIAM J. RUOTOLO, demands

{
judgment against the Defndat, in the aount of $500,000 aggregate fr all
Counts in this Complaint, plus interest, costs, and attmey's fes.
THE PLAINTIFF RESPECTFULLY RSERVES THE RIGHT TO
AMEND THIS COMPLAINT TO CONFORM TO TH EVIDNECE
PROCURRED'THOUGH DISCOVERY.
JURY TRIAL DEMAND
The Plaintif, WILLIAM J. RUOTOLO, respectflly claims a tial by jury
on all issues raised in the Plaintiffs Complaint and fr damages in the aou of
$70,000.00 plus interests, costs, and attoreys fes a1d fr whatever oter dainages
the Court sees ft ai1d just as a result of the Def1idai1ts' actions ai1d breaches of
duties owed to the Plantif.
20
'"
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 28 of 45 PageID #: 31
RUOTOlO v. EOS CCA. et al., PC2013-To Be Derc'rminec
Dated: January 6, 2014
Respectuly Submited
PLAINTIFF,
Pro Se,
illiam J. Ruotolo
PO Box 111
North Scituate, R 0285 7
Phone: (401) 489-1051
williamjruotolo@gail.com
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. cca\complaint\complaint - afni, inc., chase receivables, convergent outsoursing, eos cca
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Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 30 of 45 PageID #: 33
l
'
RUOTOLO 11. EOS CCA, et a/.,PC2013-To Be Determined
WAR OF JMSERVCE OF SU ONS
To: !LLIAMJ. UOTOLO,V!A!UTIFr
(ame ofthe plaintif 's attorey or unrepresented plaintif
.
. I have received yolr request f waive s.ervice of a siu ons ii tis actio
along wit a copy of the complaint, two copies of ts waver D, and a prepaid
means ofretng one signed copy of te Dto you.
.
I, or te entty I represent, agee to save te expense of serving a sum ons
and complaint in ts case.
I understand that , or the entt I represent, wilI keep 0 defnses or
objections to the lawsuit, te court's jursdiction, and te venue of te action, but
tat I wave ay objections to te absence of a sumons or of servce.
I also understand that I, or te entit I represent, must fle ad serve a
answer or a motion uder Rule Z WU 60 days fom te date when ts request
was sent (or 90 days if it was sent outside te Unted States). IfI fal to d. so, 8,'
defut judgent will be entered agast me or te ntit I iepresent.
Date: J/ /
.
Printed name ofpart waiving service ofsummons
. / /
E-mail a
dr

02/
Telephone numer
Dut to Avoid Unnecessar Expenses of Sering a Summons
Rule 4 of te Federal Rules of Civl Procedure requires certain defndants
to cooperate in
.
saving uecessa exenses of servig a sumons and
complait. A defndat who is located in te Unted Staes and who fils to .
ret a siged waver of service requested by a plaiif located U the United
J
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 31 of 45 PageID #: 34
RUOTOLO 1' EOS CCA et t.,PC20.13To Be Determined
States will be requied to pay te exens\s of service, tess te defndat shows
good cause fr te failure. "Good cause" does not include a belief tat te lawsuit
is groudless, OJ tat it has been brought in a improper Venue, or tat the court
has no jursdiction over this mater or over te defendant or te defendant' s
prope. _ __ _ _ _ _

_ _ _
.
_ __ _
_
_ _

_ _ _. _
Ute waver is signed and returned, you can still mae tese and all oter
defnes ad objections, but you canot object to the absence of a summons or of
service.
U you waive service, ten you must, wt the time specifed on te
waiver frm, serve a answer or a moton under Rule Zon the pla if and fle a
copy wt the court. By signng and returning te waver frm, you are allowed
more te to respond tan Ua s ons had been served.
.
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Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 32 of 45 PageID #: 35

WILLIAM J. RuoTOLQ
iTTORNRY & COUNSELLOR iT LA\1
!ovcmbcr24,2OI J
AHI, DC.
JI OMati LumcrKingDrivc
BIoomington,!L6I 7O2-JJI 7
AHI, DC.
GrcoryJ. Donov
RcgislcrcdAgcnlmrScrviccoIProccss
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CHASERECEIVABLES,APROESSIOHALCOLLECTIOHAGEHCY
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CHASERECEIVABLE$,APROESS!OHALCOLLECTIOHAGEHCY
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PO Box 1 1 1, NoRTl l ScJTUATL, RI 02857 I 401 .489. 1051 I w1 1.1.. J AMJRU0Tow@GMA1 1 .. coM
ADMIT'Jm I RHODE ISLAND I MAssAc1-1usr:ns
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 33 of 45 PageID #: 36
,,
w|i.ii.\ n . RUOTOJ.O
A'nORNlY & COLINS!U.t.OR 1\T L!\W
EOS CCA
7OOLongvalcrDrivc
HorvcII,MAO2O6I

R. CIaimcdOriginaICrcdilor. Vcrizon
AHI,IiC.- CIaimcdOriginaICrcdilor. Vcrizon
Accounl #. OJ77J2277-OI 77&JOO2J6JO9O6OJ
CLascRcccivabIcs- Account #.O94J77&7
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ConvcrgcnlOulsourcing,Inc.- Accounl #.77&JOO2J6JO9O&OJ
ConvcrgcnlAccomlHo.B-J I 77794O
EOSCCA- Accounl #. I OJJ I I O4
RcRrcncc#.77&JOO2J6JO9O&OJ
DcarSir/Madamc.
COMLAIHT BY PLAIHTI,WILLIAMJ. RUOTOLO AGAIHSTDEEHDAHTS,AHI,
INC. , CHASE RECEIVABLES, A PROESSIOHAL , COLIECTIOH /GEHCY,
COHVERGEHTOUTSOURCDG,IHC. ,AHDEOSCCA
SLouId you visL lo discuss rcsoIulion prior lo Iiligalion bcing inslilcd, pIcasc conlacl lLc
undcrsigncdinvrilingviacmaiIbylLccIoscoIbusincssonHovcmbcr29,2OI J.
SinccroIy,

WiIIiJ. RuoloIo
CONFmENTIAL COMMLJNICA TION & DISCLOSURE
This c.ommunication and any files transmitted with it i n hard copy or electronically nre confidential and intended solely fr the use of the
individual or entity to whom/which they are addressed.
Pleae. note that 18 U.S.C. 251 0, ct seq., providts fod0ral criminal nnd civil pennlties for the unauthorized reading l11'this e-mai l if you ore not the
- - - - intended recipicnt-numld-nbove:-'fhis-communication-contains ctinl1den1iul inf1mation-and-is-intended-only-for-the-individunl-11nmed; -l f-you<1rc------- ---
not the nnmed addressee you should not disseminate, distribute or copy this e-mnil. Please noti.fy the sender i mmediately by e-mail if you hnve
rcceiwd this e-mnil. If you nre not the i ntended recipient yon are notifed thnt disclosing, copying, distributing or tnking nny nction in reliance on
the contents of this i nformation i s strictly prohibited.
IRS Ci rcular 230 Notice: Any U.S. tax ndvice found to he included in this publ icntion is not intended or written to be used, nnd cannot be used,
_ Jor.t_q punms.e 9f av9iding U.::, tl_pcna_ti_es _q_r_lbr, proctil!, ll}al}ing . . or recmn_1enljl}g \u 1!er pny lllY taxre)attd_ mntter_ a_IIlresecl_
herein.
The Rhodu lslnnd Supreme Court licenses nil lawyers i n the general prncticc of l aw. The court does not l icense or certify nny lawyer ns nn expert
or special ist in any field of practice. Rhode lslaud ffoles ofPrq(ssional Canduct Rule 7.4 (rls amended by the caurt on December 16. 1997:
April I 5, 2|0/) .
C:\wjr\11ir\RUOTOLO v. afni, chase receivables, convergent outsourcing, cos cca\oint lette1\joint letter- 1 1 .24.201 3.doc
2
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 34 of 45 PageID #: 37
+. . &.
`
STATEORODEISLAlDAHDPROVIDEHCEPLATATIOHS
PROVIDEHCE,SC.
WILLIAMJ. RUOTOLO,
Plainti
v.
AHI,IHC. ,
CHASERCEIVABLES,
SUPERIORCOURT
CIVILDOCKT #C.A.PCI2-
APROESSIOHALCOLLECTIOHAGEHCY,
CHASERICEIVABLES,DC.,
COHVERGEHTOUTSOURCIHG,IHC. ,and
.. -------- ----+---- --
Lu
___ . . - ----- ------------ ------ -=++= ------- -------------- -----
Defndants
COMLAINT BY PLAINTIFF, WILLIA J.RUOTOLO AGAINST
DEFENDANTS, AFNI, INC., CHSE RECEIVALES, A PROFESSIONAL
COLLECTION AGENCY, CONVERGENT OUTSOURCING, INC., P
EOS CCA
HOW COMES lhc Plainli, WILLIAM J. RUOTOLO and slalcs as
mllovs.

I . ThcPlainli, WILLIAMJ. RUOTOLO,isaRhodcIslandrcsidcnl

vLosccurrcnladdrcssis POBoxI I I , HorlhScilualc,RIO2&J7.
2. Thc DcRndanl, AHI, IHC.,isancnlily incorporalcdinlLc slalc
busincss addrcsslislcdasJ I OMarlmLulhcrKingDrivc, BloomInglon, IL6I 7O2-
. . +
JJI7,

md

hosc-rcgisIccdagcnt Rr

scrvice0proccss isGcgory J.0E0V8

4O4BrockDrivc,Bloominglon,IL6I 7OI .
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 35 of 45 PageID #: 38
RUOTOLO v. EOS CCA, el a/.,PCD201 3-To Be Determined

J. TLc DcndanI, CHASE RECEIVALES, A PROESS!OIAL

COLLECT!OIAGEICY,isancnIiIyincoqoraIcdinILcsIaIcoICaIimrniaand

is a coqoraIion wLicL providcs dcbI coIIccIion scrviccs, !)as a usuaI busincss

addrcssIisIcdas I247Broadvay,Sonoma,CA9J47&,andvLoscrcgisIcrcdagcnI
mr scrvicc oI proccss is Tcrrcmcc L. Pa, 9J I CaIimrnia, BIvd., Iapa, CA

4. TLc DcndanI, CHASE RECEIVABLES, !HC. , is cnIiIy

.
incoqoraIcd inILc sIaIc oICaIimmaandis acoqorIionwLicLprovidcs dcbI
coIIccIion scrviccs, Las a usuaI busincss addrcss IisIcd as I 247 Broadvay,
TcrrcmccL.PalI, 9J I CaIimma,BIvd.,Iapa,CA94JJ9andasoIIovcmbcr22,
2OIJ, ILc SccrcIary oI SIaIc' s vcbsiIc indicaIcs mis cnIiIics sIaIus is
"SUSPEIDED. "

J. TLc DcndanI, CONVERGEIT OUTSOURC!HG, !HC. , is

cnIiIyincorporaIcdinILcsIaIcoIW shingtonandisacorporaIionwLicLprovidcs
dcbI coIIcIion scrviccs, Las a usuaI busincss addrcss IisIcd as &OO SW J9IL
SIrccI, POBox9OO4,RcnIon,WA 9&OJ7,andvLoscrcgisIcrcd agcnImrscrvicc
oIproccss isSIcvcnJ. HunIcr, &OOSWJ9'"SIrccI,WA98OJ7-9OO4.

6. TLc DcndanI, EOS CCA, iscnIiIy vLicL is cngagcdindcbI

coIIccIion IhrougouI c UniIcd SIaIcs viIL a usuaI pIacc oIbusincss aI 7OO
LongwaIcr Drivc, IorvcII, w O2O6I , and iIs inIcmcI vcbsiIc indicaIcs c
mIIovingconccrnngEOSCCA."TLcEOSGroupisagroupoIcompanicsacIivc
IhrougLouIILcvorId,vimorcIL4OsubsidiaricsandassociaIcdcompanicsin
2
~
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 36 of 45 PageID #: 39
RUOTOLO v. EOS CCA et al., PCD2013-To Be Determined
ovcr2O counlrics. Ishcadquarlcrs ac inHamburg (Gcrmm),"andlhal "EOS
CCA is hcadquarlcrcd usl oulsidc Boslon i HorvcII, Massachusclls." Scc
hlg.//ww.cos-cca.com/ AboulEOSCCA/labid/J6/DcDuIl.aspx
'
Il is nol
rcgislcrcdvilhcMassachuscl|s SccrclyoISlalc,CorporalionsDivisionundcr
lhc namc EOS CCA. EOS CCA is an cnlily vhich providcs dcbl coIIcclion
scrviccs.
i
7. Bc gin,oraroudIanu, 2OI2,dallimcslhcrcacr, lhc
DcRndanls, and or lhcir prcdcccssors or assigns, al vaious limcs providcd,
communicalion
airDcblCoIIcclonPracliccsAcl - Pub. L. I O9-JJI , []&OI-&I 9, I 2OSlal. I 966
((2OO6)) and IJ U. S. C. [[ I 692-I 692p and Thc Rhodc IsIand air Dcbl
CoIIcclionPracliccsR.I.G.L.[ I 9-I4.9-Ilhrough [ I 9-I4. 9-I4.
9. In, or around Ianu|, 2OI2, lhc DcIcndanls, d or lhcir
prcdcccssorscrassigs,vcrcawarclhalcPIainliconlcslcdlhcdcblandprooI
oIdcbl andrcqucslcd documcnls, inIormalion andprooIoIdcbl by, inlcr aIias,
rcqucslinglhcmIIoving.
a. b vas rcqucslcdallhcyprovidc, vilhinvc (J) busincss days
yprooIoIcIaimcddcblovcd.

b. Abrcakdovn oIlhc cIaimcd dcblvilhrcspccl lo ounls ovcd

ddalcsonvhichcIamcddcblvasovcd.

- -

c. IlisrcqucslcdlhalyouprovidcprooIoIsignrcsonay cIamed

dcblovcd.
J
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 37 of 45 PageID #: 40
RUOTOLO i. EOS CCA, et a/., PCD201 3-To Be Detennined
d. H is rcqucslcd lhal you imcdialcIy advisc vho lhc originaI
cIaimcd crcdilor vas and vhclhcr lhc cIaimcd dcbl has bccn
purchascdandbyvhom.
c. You arc rcqucslcd lo providc aII noliccs and documcnlalion
rcquircd in compIicc vilh lhc cdcraI air Dcbl CoIIcclion
PracliccsAcl.
I. IlisrcqucslcdlhalyouprovidcprooIoIdcblandsignalurcs oIlhc
purpor|cddcblor om yourprcdcccssorscoIIcclionagcnls andlhc
cIaimcdCrcdilor,iIany.
rcspccllohovlhc originaI crcdlor, succcssivc crcdilor(s), or any
coIIcclionagcncyhascaIcuIalcdlhcamounlvhIchiscIamcdlobc
ovcd.
h. H is rcqucslcdlhal any and aI documcnlalionpurporling lo bc a
conlraclonvhIchyouoranycrcdilorvilhaninlcrcslinlhcabovc
bclvccnlhcmdcrsigncdandlhcORIGIHALcrcdilor.
i. Inmrmalion idcnliIyinglhcnamcoIypuchascrorpurchascrsoI
lhccIaimcddcbl.
j. H is rcqucslcdlhal any conlracl puqorlingloscII orlransRr any
dcblobIigalionvhIchcIaimslo InvoIvclhcCrcdilorncdabovc
bcprovidcdallhislmc.
4
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 38 of 45 PageID #: 41
RUOTOLO v. EOS CCA et a/. , PCD201 3-To Be Determined
k. Any and aI documcnlalion rcIalcd lo noliccs scnl by `ERlZO
conccmng cIaimcddcIinqucncyvilLrcspccllo anaccounl inlLc
n amcoIlLcundcrsigncdmrlLcpaslmrcc(J)ycars.
1. AnyandaI documcnlalionrccclingpaymcnlsmadclo`ERlZOI,
incIudingbulnolIimilcdlo,copicsoIcanccIIcdcLccks,cIcclronic
paymcnls om lLc undcrsigncd's bank accounl, and any olLcr
cIcclronicpaymcnlsmadclo`ERlZO.
I O. TLcDcRndanls DiIcd lo compIy vilL a maorily oIlLc rcqucsls
-
andDiIcdlocompIyvilLTLc airDcblCoIIcclionPracliccsAcl- Pub. L. I O9-
RLodc IsIandFrDcbl CoIIcclionPracliccsR.I.G.L. [ I 9-I4. 9-I lLrougL [ I 9-
I 4. 9-I 4.
I I . AsadircclandproximalccauscoIc aclsoIDcRndls'conducl,
misrcprcscnlalion,andaud,lLcPIainlivasInanciaIIyLarmcd.
CAUSES OF ACTION
COUT I
(Violation of The Fair Debt Collection Practices Act - Pub. L. 109.351,
801-819, 120 Stat. 1966 ((2006)) and 15 U.S.C. 1692-1692p)
I 2. TLc PIli WLIA I. RUOTOLO, rcpcals and rc-avcrs
paragapLsIlLougLI I abovcasiI0cyvcrcslalcdLcrcvcrbatm.

I J. BcginningD, oraroundIanuary,2OI2, andallimcslLcrcabcr, c
DcRndanls, and or lLcir prcdcccssors or assigns, al various limcs providcd
. .
com Icalkn

- = = -+~ ~~...=- .

J
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 39 of 45 PageID #: 42
RUOTOLO'" EOS CCA. et al., PCD201 3-To Be Determined
I4. D oraroundIanuary, 2OI2,lLc DcRndanls, vcrc subcclloTLc
FairDcblCoIIcclionPracliccsAcl - Pub.L. I O9-JJI , [[&OI-& I 9, I2OSlal. I 966
((2OO6)) nd IJ U

S. C. [[ I 692-I 692p and TLc Rodc IsId Fair Dcbl

CoIIcclionPracliccsR.I.G.L.[ I 9-I4. 9-ImrougL [ I 9-I 4. 9-I4.
I J. !n, or ound Ianuay, 2OI2, lLc DcIcndanls, and or lLcir
prcdcccssorsorassigns,vcrcavclLallLcPIainliconlcslcdlLcdcblandprooI
oIdcbland rcqucslcd documcnls, inmrmalion andprooIoIdcblby, inlcr aIias,
rcqucslinglLcmIIoving.
a "Ilvas rcqucslcdlLallLcyprovidc,vilhnvc (J)busincss days
- ~~ a:___
qbtycq,
-

-
b. A brcdovn oIccIaimcd dcbl vi rcspccl lo amounls ovcd
anddalcsonvhcLcIaimcddcblvasovcd.
c. !lisrcqucslcdlLalyouprovidcprooIoIsignalmcsonanycIaimcd
dcblovcd.
d. Il is rcqucslcd lLal you immcdialcIy advisc vLo lLc originaI
cIaimcd crcdilor vas and vLclLcr lLc cIaimcd dcbl Las bccn
purcLascdandbyvLom.
c. You arc rcqucslcd lo providc aII noliccs d documcnlalion
rcquircd in compIiancc vilL lLc FcdcraI Fair Dcbl CoIIcclion
PracliccsAcl.
I. !l is rcqucslcdlLalyouprovidcprooIoIdcbl and signalurcs oImc
~

_ ,

_ _ _ ,

purporlcddcbloromyourprcdcccssors coIIcclionagcnlsandlLc
cIaimcdCrcdilor,iIany.
6
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 40 of 45 PageID #: 43
RUOTOLO 11. EOS CCA, et al., PCD20l 3To Be Determined
g. I is rcqucslcd lLal youprovidc any and aII documcnlalion vilL
rcspccllo LovlLc originaI crcdilor, succcssivc crcdilor(s), or any
coIIcclion agcncyLascaIcuIalcdlLcamouIvLicLis cIaimcdlobe
*
. . .
I
ovcd.
L. Il isrcqucslcdlLal anyandaII docucnlalionpurportinglo bc a
conlraclonvLicLyouorycrcdilorvilbinIcrcslinlLcabovc
bclwccncundcrsigncdandlLcORGDAcrcdilor.
1. InmrmalionidcnliIyinglLcnamcoIanypurcLascrorpurcLasrsoI
lLccIaimcddcbl.
dcbl obIigalionvLicLcIaimslo invoIvclLcCrcdilornamcdabovc
bcprovidcdallLislimc.
k. Any and aII documcnlalion rcIalcd lo noliccs scnl by Vskizoi
conccmng cIaimcddcIinqucncy vilLrcspccllo an accoum inlLc
namcoIcundcrsigncdRrlLcpasllhrcc(J)ycars.
I. AnydaII documcnlalionrccclingpaymcnlsmadcloVskizoi,
incIudingbulnolIimilcdlo,copicsoIcanccIIcdcLccks,cIcclronic
paymcnls om lLc undcrsigncd's bank accounl, and any olLcr
cIcclronicpaymcnlsmadcloVskizou."
,_,m,,,_= ,,m,,&&mm=,_,, , ,,,,,_,,, ,_,__ __ _.
I6. JLc DcRndanls DiIcd lo compIy vilL amaorily oIlLc rcqucsls
dDiIcdlo compIyvilLTLc FairDcbl CoIIcclionPracliccs Acl - Pub. L. I O9-
- ~ ~ - ~ ~ - + + ++ -. = + + & + . , , , , . , - = . ~ . - + - -~ .

JJI , [[ &OI-&I9, I2OSlal. I 966((2OO6))d I J U.S.C. [[I 692-I 692pandTLc
7
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 41 of 45 PageID #: 44
RUOTOLOv. EOS CCA,et a/., PCD2013To Be Determined
RLodc IsIandairDcblCoIIcclionPracliccs R.I.G.L. [ I 9- I4.9-I mrougL [ I 9-
I7. .. Asadircclandproximalccusc oIlLcacls oIDIcndanls' conducl,
misrcprcscnlalion,andaud,0cPIainlivas5anciaIIyLcd.
I &. WREOR, c PIainli WLIAM I. RUOTOLO, dcmands
udgmcnl

agansl lLc DcIcndanls, AHI, IHC. , CHASE RCEIVABLES , A

PROESSIOHA! COLLECTIOI AGEICY, CHASE RECEIVABLES, IHC. ,
CONVERGEHTUUTSOURC!HG,IHC. ,andEOSCCA,oinlIyandscvcraIIy,

in
lLc amounl oIS7O,OOO.OOpIus inlcrcsls,cos|s,and al|omcysRcsand mrvLalcvcr
--- -.. - -- -------- -- --- agencor sees-fnjt---- -- ---- ---- ---- ----- - -- - --------------- ---
COUT II
(iolation of The Rhode Island. Fair Debt Collection. Practices R.I.G.L. 19-
14.9-1 through 19-14.9-14)
I9. TLc PIainli, WLIAM I. RUOTOLO, rcpcals and rc-avcrs
pagapLsIlLougLI & abovcasi cyvcrcslalcdLcrcvcrbalim.
2O. Bcgimingin,oraroundIanuary,2OI2,andallimcslLcrcabcr, lLc
DcIcndls, and or lLcir prcdcccssors or assigns, al vious limcs providcd
communicalion
2I . In, or around Ianuy, 2OI2, lLc DcRndanls, vcrc subccl lo TLc

--

Fan

Deul

CoIlection-P

mcfices

,cl

-PL.-J.

J09-5},[[30

J-|J

9
,
{,0.
$J
af.
{9q. ----- ----~-
((2OO6)) and I J U. S. C. [[ I 692-I 692p and TLc Rodc IsIand air Dcbl
22. In, or around Ianuary, 2OI2, lLc DcRndanls, d or lLcir
prcdcccssorsorassigns,vcrcavarclLalcPIainliconlcslcd|LcdcblandprooI
&
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 42 of 45 PageID #: 45
RUOTOLO v. EOS CCA, et 0/.,PCD201 3-To 0Determined
oIdcbl andrcqucslcd documcnls, inIormalion dprooIoIdcblby, inlcr aIias,
rcqucslinglLcmIIoving.
~~+-~~
a. _"I vas rc

qucslcdlLal lLcy providc, vilLin vc (J) busincss days

anyprooIoIcIaimcddcblovcd.
b. A brcaI:dovn oIlLc cIaimcd dcbl vilL rcspcclloamounls ovcd
anJdalcsonvLicLcIaimcddcblvasovcd.
c. I isrcqucslcdalyouprovidcprooIoIsignalurcsonany cIaimcd
dcblovcd.
d. !l is rcqucslcd lLal you immcdialcIy advisc vLo lLc originaI
purcLascdandbyvLom.
c. You ac rcqucslcd lo providc aII noliccs and documcnlalion
rcuircd i compIiancc vilL ,c cdcraI air Dcbl CoIIcclion
PracliccsAcl.
I. !l is rcqucslcdlLalyouprovidcprooIoIdcblandsignalurcs oIc
purporlcddcbloromyourprcdcccssorscoIIcclionagcnls andlLc
cIaimcdCrcdilor,iIany.
g. I is rcqucslcd lLal you providc any and aII documcnlalion vilL
rcspccllo LovlLc originaI crcdilor, succcssivc crcdilor(s), orany
a ~ = =,~,~
~~==_@=_ __@__@__~
coIIcclionagcncyLascaIcuIalcdlLcamounlvLicLiscIaimcdlobc
owcd.
9
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 43 of 45 PageID #: 46
,.
RUOTOLO v. EOS CCA. clal., PCD201 3-To Be Determined
L. !lisrcqucslcdlLal any and aII docmcnlalionpurporting lo bc a
comraclonvLicLyouoranycrcdilorvianinlcrcslinlLcabovc
bclvccnlLcundcrsigncddlLoOR!G!HALcrdilor.
i. !nIormalionidcnli]ingcnamcoIanyprcLascrorprcLascrsoI
lLccIaimcddcbl.
. I isrcqucslcdlLal any conlraclpurportinglo scII orLansRr any
dcblobIigalionvLicLcIaimsloinvoIvcL:c Crcdilornamcdabovc
bcprovidcdallLislimc.
k. Any and aII documcnlalion rcIalcd lo noliccs scnl by VERIZON
----- -

--

--
o;ccri
@

___
c
_ ae_uen
c
y

_
il
grespecrtm accoof tle -- -
namcoIlLcundcrsigncdmrlLcpasllcc(J)ycars.
1. Any andaIIdocumcnlalionrccclingpaymcnlsmadcloVERIZON,
incIudingbulnolIimilcdlo, copicsoIcanccIIcdcLccks, cIccLonic
paymcnls om lLc undcrsigncd' s bmk accounl, d any olLcr
cIccLoncpaymcnlsmadcloVERIZON."
i
2J TLc DcRndanls DiIcdlo compIyvilLa

maorily oIlLc rcqucsls

and IaiIcd lo compIy vilL TLc RLodc !sIand air Dcbl CoIIcclion Pracliccs
R.!.G.L.[ I 9-I4. 9-I lLrougL [ I 9-I4.9-I4.
i
24
.
Asadircclandproxmalc causcoIlLcacls oIDcRnds' conducl,

msrcprcscnlalion,andaud,cPIainlivasnanciaIIyLcd.
i
2J. \REOR, c PInli, WL!AM I. RUOTOLO, dcmands
udgmc

l aga
g
s

_
cI

s,

__
!, !C., CH
_g_

___\
A
____
, A
PROESS!OIAL COLLECT!OH AGEHCY, CHASE RECE!VABLES, LC. ,
I O
Case 1:14-cv-00097-S-LDA Document 1-1 Filed 02/21/14 Page 44 of 45 PageID #: 47
I
RUOTOLO v. EOS CCA. cla/.,PCD201 3-To Be Determined
COHVERGEHTOUTSOURC5G,LC.,andEOS CCA,oinlIyandscvcraIIy,in
lhc amounl oIS7O,OOO.OOpIusinlcrcsls, cosls, and al|omcys csandmrvhalcvcr

olhcrdmagcscCour|sccs

landusL
TH PLAINTIFF RSPECTFULLY RSERVES THE RIGHT TO
AN TIS COMPLAINT TO CONFORM TO TH EVIDNECE
PROCURED THROUGH DISCOVERY . .
JURY TR DEMAND
ThcFIainlu ,WILLIAMIe_ RUOTOLO,rcspcclIIycIaimsalriIby]ury.
onaII issucsraiscdinlhc PIainlis CompIainl and mr damagcsinlhcamounloI
lhc Com sccslandusl as arcsuIloIlhcDcndls' aclions andbrcachcs oI
dulicsovcdlocPInli.
Dalcd.Hovcmbcr24,2OI J
Respectuly Submitted
PLAINTIFF,
roSc,
iIIiamI.RuoloIo
POBoxI I I
Horlh Scilualc,R O2&J7
Phonc. (4OI ) 4&9-I OJI
lanetcle_ai|.,e
.
....... ..
C:\wjr\wjr\RUOTOLO v. afni, chase receeivables, convergent outsourcing, eos
cca\complaint\complaint - afni, inc., chase receivables, convergent outsoursing, eos cca -
11. 24.2013 courtesy copy. doc
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