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Home My WebLink About07-3220IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD DES-013-02-02 WILMINGTON DE 19884 Plaintiff vs REGINA B MAINS 450 WALNUT BOTTOM RD SHIPPENSBURG PA 17257 Defendant(s) ~~ CIVIL ACTION -LAW Filed on behalf of: Plaintiff, FIA CARD SERVICES, N.A. Counsel of record for this party: Date: S Amy F. Doyle #87062 /Daniel F. Wolfson #20617 Phili C. arholic #86341 /David R. Galloway #87326 Tonilyn M. Chippie #87 Sarah E. Ehasz #86469 Robert N. o as, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 171211812 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs REGINA B MAINS Defendant(s) r~OTICF No. 0 7.3 ~ °a0 CIVIL ACTION -LAW You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice aze served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property 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 HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 171211812 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs REGINA B MAINS Defendant(s) N TI IA . No. CIVIL ACTION -LAW USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demands puestas en las siguientes paginas, usted tienen que tomaz accion dentro veinte (20) dias despues que esta Demands y Aviso es servido, con entrando por escrito una apazencia personalmente o por un abogado y azchivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falls de hacerlo el caso puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas aviso por cualquier dinero reclamado en la Demands o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante pars usted. USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON 1NFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A File No. 171211812 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. : No. dT- 3~e10 ~ t L"" Plaintiff vs REGINA B MAINS Defendant(s) COMPLAINT CIVIL ACTION -LAW AND NOW, this 09 day of April, 2007, comes the Plaintiff, FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. , by and through its attorneys, the law firm of Wolpoff & Abramson, L.L.P., and files the within Complaint and in support avers as follows: 1. Plaintiff, FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. , is a National Banking Association organized under the National Banking Act with a principal place of business situated at 655 PAPER MILL ROAD DES-013-02-02, WILMINGTON, DE 19884. CCP Cmplt -MBNA wo AF 4 W & A File No. 171211812 2. Defendant, REGINA B MAINS, is an adult individual with a last known address of 450 WALNUT BOTTOM RD, SHIPPENSBURG, CUMBERLAND COUNTY, PA 17257. 3. It is averred that Defendant was issued anopen-end credit account by Plaintiff. This account was created through a written contract between Plaintiff and Defendant, accepted by Defendant when he signed and utilized the credit card account. A true and correct copy of the Credit Card Agreement governing this account is attached hereto as Exhibit "A." 4. The Credit Card Agreement contains a binding Arbitration provision providing that any claim or dispute between Defendant and Plaintiff would be subject to binding arbitration before the National Arbitration Forum (NAF). This Credit Card Agreement also recites that since the agreement involved an instrumentality of interstate commerce, that the Federal Arbitration Act, 9 U.S.C. §§1-16 (FAA) governed the Agreement and that following disposition through the NAF, judgment may be entered in any state court having jurisdiction. 5. At all relevant times material hereto, Defendant has been regular user of said charge card for the purchase of products, goods and/or for obtaining services and/or funds. 6. By virtue of Defendant's use and maintenance of this credit card in connection with his purchases of goods, and services, he became bound to all of its contractual terms, which clearly included an arbitration agreement. Therefore, there is a valid agreement to arbitrate and Defendant consented to the NAF having jurisdiction over this claim. 7. Defendant received monthly statements which accurately state all purchases and payments made during the month, interest charges imposed on the unpaid balance, and the amount due. A summary of the account showing the balance due and owing is incorporated herein and marked as Exhibit "B". CCP Cmplt - MBNA wo AF W & A File No. 171211812 8. Defendant did not object to the summary of account. 9. Defendant has made sporadic and irregular payments, if any, which have been applied to the outstanding balance of this account. 10. As of the date of the within Complaint, the remaining balance due, owing and unpaid on Defendant's credit account, as a result of charges made by said Defendant and/or any authorized users is the sum of $5,238.88. 11. Pursuant to the Credit Agreement and/or applicable Pennsylvania law, any unpaid and/or delinquent balances on said account shall continue to bear interest at the rate of 6 %. 12. The amount of interest which has accrued on the aforementioned account is the sum of $99.89. 13. Plaintiff has retained the services of the law firm of Wolpoff & Abramson, L.L.P. in the collection of the amount due from Defendant. 14. Despite reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 15. .Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 16. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - MBNA wo AF W & A File No. 171211812 WHEREFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $5,238.88, interest in the amount of $99.89, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: ~~ Amy F. Doyle #87062 /Daniel F. Wolfson #20617 Philip C. Warholic #86341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - MBNA wo AF W & A File No. 171211812 VERIFICATION The undersigned hereby states that he/she is the attorney for the Plaintiff who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: Amy F. Doyle #87062 /Daniel F. Wolfson #20617 Philip C. Warholic #86341 /David R. Galloway #87326 Tonilyn M. Chippie #87852 /Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - MBNA wo AF W & A File No. 171211812 Exhibit "A" r W v ~ ^ yL~ Cp a _ }4 CO a -t ~.~ ~ Cs ~ .g ~ ~ c + w it ~~fA A ~ :•'•:.{+:'ifi•~' :.1 ,~ ~~" i+~ ~s.~~~,~~ ~~ ~ ~~ ~ ~~ .a~ ~~s C ~~ ~~ c q s.~ ~ ~ -~3r.C a R ~ ~ ~ ~ ~~ •- ~.L ~° ~ c e^.fi'i •. '~c w ~ w 4 w e ~ ~ a .. ~ ~ ~ ~ ... ~ c a N ib «~.~r `.$t''~ GCg•4, ~ Y ~~~~~~ V~~ ~ ~ e ~ - ~~ j i ~y~~TJ J~1C .8 ~ .l2~58 .8 ~~~ $s• E dos $ <~ ';;~~~r.~' c~ >9 es~~ ~..10~c~e'~se s ~~ !% ~ c ~ E Z c ~ ~ c « `c.~:• •~, •o A ~ a ~ ,Q dT5 ~q ' ~.E ~ ~'S i`c - t o ~~ ~, g o 3 w o - e - -- "r~:,~~' a s'o a w e ~ ~ 5 ~ ' +z ~~ w e ~e• a ~~ _ ~ e ~ ~ ~i o tJ 5 • w Pi ~ • ~ ~ 8 • 3 m'a~:~ o m a o ... .. . 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I U {ib~w~O~PGCP'~~N~ .~~ 7 ~~~- ~ ~ C {urn ~~ 00+ ~ ~ Y C OC- C ~ C ~+ ` ~ Exhibit "B" CLIENT NO 001730 MBNA ACCT#4264295678045013 BALANCE -- 5,238.88 ****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 08/30/06 *M-ACCT-NO *M-REC-TYPE*M-GUST-TYPE*M-LAST-NAME 4264295678045013 A I MAINS *M-FIRST-NAME *M-ADDR-1 *M-ADDR-2 REGINA B 450 WALNUT BOTTOM RD *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH SHIPPENSBURG PA 172579609 7175307797 *M-WORK-PH *M-DOB *M-POE-NAME *M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER LV01 OV0001 *M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE LMGR *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE PAA 0000 12/12/06 11/27/02 01/01/69 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 08/30/06 5,238.88 .00 .00 5,238.88 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 5, 2 3 8. 8 8 . 0 0 .0 0 NQ~R~II`~INIl~IAAA12 3 *M-COMMENT-2 002 20061212 0000065 *M-COMMENT-3 *M-COMMENT-DATE 12/12/06 *M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME MAINS DONALD L 15.00 .00 *M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE .00 .00 R 0736 *M-LAST-INT-DATE*M-LAST-CONTACT-DATE*M-COMM-RATE*M-HOME-PH-FLAG*M-WORK-PH-FLAG 0000 N N *M-ADDR-FLAG*M-SSN *M-MIO*M-AGY-CODE N XXX-XX-0000 DB90 CL01 ~ d w .~ ~ ~.x ~ ~ ~ ~ ~; t. c_ =~ o 4 .~, ~~ ~~ ca , c ~ ~ ~~ f ~ ~ ~n 0 _.~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff VS REGINA B MAINS Defendant(s) No. 07-3220 CIVIL TERM CIVIL ACTION -LAW PRAECIPE TO SETTLE AND SATISFY Please mark the above-captioned action as settled, satisfied and discontinued. Respectfully Submitted, By: Date: .~ Amy F. Doyle #87 62 /Daniel F. lfson #20617 Philip C. Warholic 86 .Galloway #873 Tonilyn M. Chippie #87852 /Sarah E. Ehasz $~bz1- Robert N. Polas, Jr. #201259 /Bruce H. Cherkis #18837 Ronald S. Canter #94000 /Ronald M. Abramson #94266 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 171211812 .~ . ' -.~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. No. 07-3220 CIVIL TERM FKA, MBNA AMERICA BANK, N.A. Plaintiff vs. CIVIL ACTION -LAW REGINA B MAINS Defendant(s) CERTIFICATE OF SERVICE The undersigned does hereby certify that a copy of the foregoing praecipe was h served this date by Regular Mail, Postage Pre-Paid on this ~ day of ~~ , 20 ~~ NATIONWIDE ASSET SERVICES 1990 W CAMELBACK RD SUITE 404 PHOENIX, AZ 85015 ~1 n ~ ~ ~ Amy Wise V WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 171211812 n ~ ~ c- -z-, 7p -~, ~. ~ i ~'~ ~~' c__. ---+ ~ ~ op ; -- ~ r=- ~ VI ~ et' ` , r ~ ~ t `' ~ f_r C J ~ r'n ' ,, = N .. .. .,1 ~ ~ SHERIFF'S RETURN - REGULAR CASE NO: 2007-03220 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIA CARD SERVICES N A ET AL VS MAINS REGINA B DAVID MCKINNEY Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon MAINS REGINA B the DEFENDANT at 1745:00 HOURS, on the 5th day of June 2007 at 450 WALNUT BOTTOM ROAD SHIPPENSBURG, PA 17257 REGINA B MAINS by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff ' s Costs : So Answers : /~~'`~,.~.. Docketing 18.00 Service 17.28 Postage .41 Surcharge 10.00 R. Thomas Kline .00 f.~lS~IJ'? C~._, / 45.69 06/06/2007 WOLPOFF & ABRAMSON Sworn and Subscibed to By: `%s~/~~ before me this day Deputy She iff of A.D.