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HomeMy WebLinkAbout07-7639IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. 665 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff vs MELISSA J SHENK 226 RENO ST NEW CUMBERLND PA 17070 Defendant(s) Filed on behalf of: CIVIL ACTION - LAW Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this party: Date: (alt?, Amy F. Doyle #870 / 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 / Ronald S. Canter #94000 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 Cover - GENERAL W&A file No. 150402204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff vs MELISSA J SHENK Defendant(s) : No. : 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 are 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. 150402204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff vs MELISSA J SHENK Defendant(s) NOTICIAA No. CIVIL ACTION - LAW USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra usted. Usted es advertido que si falla 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 Demanda o por cualquier otro reclamo o alivio solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante para 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 INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICENA PUEDE PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECE'R 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. 150402204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff vs MELISSA J SHENK Defendant(s) COMPLAINT :No. e7- CIVIL 3 q ?.?.e CIVIL ACTION - LAW AND NOW, this 15 day of November, 2007, comes the Plaintiff, 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 is MBNA AMERICA BANK, N.A. , located at 655 PAPER MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411. 2. Defendant, MELISSA J SHENK, is an adult individual with a last known address of 226 RENO ST, NEW CUMBERLND, CUMBERLAND COUNTY, PA 17070. CCP Cmplt - MBNA wo AF & Int 4 W & A File No. 1504022,04 3. It is averred that Defendant was issued an open-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". 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. CCP Cmplt - MBNA wo AF & Int 5 W & A File No. 150402204 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 $17,350.30. 11. Plaintiff has retained the services of the law firm of Wolpoff & Abramson, L.L.P. in the collection of the amount due from Defendant. 12. 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. 13. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 14. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - MBNA wo AF & Int 6 W & A File No. 150402204 WHEREFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $17,350.30, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: ?14 Amy F. Doyle #8 I/ Daniel F. Wolfson #20617 Philip C. Warholic #86341 / David R. Galloway #87326 Tonilyn M. Chippie #87852 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201239 / Ronald S. Canter #94000 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 & Int 7 W & A File No. 150402204 VEEMICATION 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 unworn falsification to authorities. Date: 13 Amy F. Doyle #87 / Daniel F. Wolfson #20617 Philip C. Warholic #86341 / David R. Galloway #87326 Tonilyn A Chippie #87852 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 / Ronald S. Canter #94000 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 & Int 8 W & A File No. 150402204 Exhibit "A" .... - - . Jill ll? loll lriVtli 114{ si III III, is =,t y {f Iy?{a fa p $'a i32l 1101,211 If M LLI ' i• ti•, ,h• H2 AIN 218J. % ? D Bill 8 sit 3dl f 1111 a: 1111 s will Z-q fill is-of i11dtli#f lillill •?3?i? fit j 111 1.12 ._. ?? .? it IN Ila $ lit, z e a s Hill of 1 .1 13 I-M -8 ul . 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Exhibit "B" *CLIEN'T NO 001730 MBNA ACCT#4264294999927231 BALANCE -- 17,350.30 ****** PRIMARY DEBTOR ***** C/O DATE 10/29/05 LSTPY DT 03/21/05 *M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME 4264294999927231 A I SHENK *M-FIRST-NAME *M-ADDR-1 M-ADDR- MELISSA J 226 RENO ST *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH NEW CUMBERLND PA 170702047 7177744687 *M-WORK-PH *M-DOB *M-POE-NAME 7177742320 06/02/54 *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 LFCA *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE 210 0000 10/29/05 06/27/01 10/29/05 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 03/21/05 17,350.30 .00 .00 17,350.30 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 pp,WWAA1234567 17,350.30 .00 .00 *M-COMMENT-2 000 20051101 0000000 *M-COMMENT-3 *M-COMMENT-DATE 11/01/05 *M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME 57.50 .00 *M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE .00 .00 R 0787 *M-LAST-INT-DATE*M-LAST-CONTACT-DATE*M-COMM-RATE*M-HOME-PH-FLAG*M-WORK-PH-FLAG 0000 *M-ADDR-FLAG*M-SSN *M-MIO*M-AG N a r R ? ? pip w d Z9 ?J : ., C min z:? r,; M SHERIFF'S RETURN - REGULAR CASE NO: 2007-07639 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK N A VS SHENK MELISSA J NOAH CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT - MORT FORE was served upon SHENK MELISSA J the DEFENDANT , at 1220:00 HOURS, on the 27th day of December , 2007 at 226 RENO STREET NEW CUMBERLAND, PA 17070 by handing to a true and attested copy of COMPLAINT - MORT FORE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Postage Surcharge So Answers: 18.00 16.32 .58 10.00 R. Thomas Kline .00 44.90 12/28/2007 WOLPOFF & ABRAMSON Sworn and Subscibed to before me this of By: day Deputy Sheriff A. D. CauPr er COMMON TLC--AS of e-UMP.,?RLIkND O-OtU?.lry S\; LVAN]A iN n?c CIVIL MArrcR or-; MBNA AMC'RCCr? `BANK,,QA N?'. D'7-763q ,.n LAO cn g? LA?j 4A,,r-w ? ?-. L: 5 ern"(Q- y 0,19 o vL ???Gi?c? ALL 5U8SE-PuExri' oRDE n5 wz?a ?z?l i?vwc: ExeLPr- ???? `FOUI MON`rN-s 'rc" PAY rHL" BAI-DACE TNMREiQEE KEAL. 1:5-6Ucp, ?- ?1LL `?I,?INa ..D ;7??e.?cQ o? ,??c???r=R X001 ?- APRi[. aoo?'f a Q, J a v n Di SA/3LCD ??SJ°l7?' ?lf? DE'CEP7"iaN ?ovn;??; rJ =CK . cc, IH4 ,.APA1 L nobs ?- MRNA, ? CLOSE -774E A,?C©uWr'. CU?cC& v 1- I?rrr,o APP?++LLC'D AAI C 910 ' /A C CCU NV b rc, otE?. Z-1 Y t14.4 PI 9 Ply" a 0-1-1639 CIVIL TIERM FURT-4L R ALZIVON Tc?Tn-E 73AL1 MI E) at 0 j c? APRIL z4,,,t? d c r'oeR IF P, `?? Ol='t?ER'? ,- fi?EDUC? Tt ?C- F3T jj . CQ l?lQ tT 1Cp?L, o- JV L- Z3A LIB C,? ? ?Z.e¢?vvur J?t?+-a? /t'?'`'ur.? ? 7t ?,e- ' ? ,? ?z? ?- ?%o` R a-tNT l/ .• i`OVEKZ L 1 NL t T FCt; ;' a4 ?MXa? ' o- RECORDING Jt CL W MAN-: Mydc>VR ]DEARLY HDPC t,? tP??"RECoED tJ A rA Ltr-r? Co p j(' -cr 13?FL ?JCC (a4 N D RBove? ,? ?.`?L J F OFFER o-Z a 60016 731 DU -T(O).i , V 75 CL t J? E "STO F't'? D 1`?L C /kT TF} A u-,tk,?tA ",LUMP Sam AmowJ7- I e??.?.•? °? i,u?, C?(?'r'E12 `? ? ? "' 1? O tiro-?- 7DkGE 3 Ol -`7639 CIVIL ?14M c- 14 s-n-PUL,A7"loN w ,/,(o-T- GI Ve N ?- `?1 t.Jw? ,tea G1? G? ?^ o 1)) d u>??NT-A T"! DID ?U PP012 Y-i N G TZ4 15 T'/&i IF C--b U?-?-?/_._ ?-_,.. ICI 1' T31 ? a- . ?-yl t,?, c 7t,.O- `t 1415 T-bRY ? PL AA C. -0-c ?o (t?- - - Q L WAS t-4 C Tlai)EF AND -DEMi5"l.)(G To /`qL WRITE' A c!-ECGK N-r-Accaujr f 1_ ? G?/E1J vu?? ToLp N1 f'1 't'1-t1?T W ?Rf? ? N S u r=F'1 ?? cN7"' 1= uN U5 D tl r? /Y i1 I ? J ?1EUSY3PrND) W Vl XObr L ?v(?? 1TrE C'u -4 C1// C1L ?"O HjF T-0 GI VC- -To " 141 M (? 1 CK? `? ' (14 0W 71t4-r 1+I?F- NAt-j fink ,u R.?j E T) 5 J 13 tn?v'wh? G Q- , uN 77 L Z' &O'U L D N O Ld G-/--7,oR `? ? fol r u )CL - C16 T' ?. ' fti,,,t?,,? `?1°LI?N " fir, CO-oPt???-7?' ?N .C'LJ./`? 1 ?Ar?1.t PA G? 4 0-7--71037 CIVIL C?f ANY -DEBT'. HE CA L COR ICi-LLY RE'f=-LI 5 E'L) .?? ??p? 15 ED ; L_?' CS?L_ ?4N? GdD7? ??kl T7-? C-? 1?' 1=D1?"?•, - - -, ? &,C>-T-1 14? L- ? /`'11f? 1 -1 1 o,ki 1,v-ct? "7WE t-?L \o,4 As T?Ef=a6 L QG NAY DFFCR `tea /41 As 6 U 1,;LD mt-- 7Z-47-" ?"'1-?! S i?1 S l-?f S G?'l 1? tS, ?` `• l04 S y C3k L C ??.I? o? vC v?C??, ?V Ub ? o(Z A?36u"T'? 7 L IV ? ? ? ? lt.GL(?t•C r M13N A tlcx ?"loN L Y Obi 1-Y L=lTJ-FC/''? C?tr ? Aj© LLDJ5 UP, L= E 1%CN 'TILL /J pry / AND -113,14 A 711, I-Lu ED rus Yar -r v 1 LL t arm s ? m' u du? U ?ptFA .'71 x7'77" 1TfO-1< N ? -r1 Ca ?. 'V IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., No. 07-7639 CIVIL TERM Plaintiff V. CIVIL ACTION - LAW MELISSA J SHENK Defendant PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS AND NOW, comes Plaintiff, MBNA America Bank, N.A., by and through its attorneys, Mann Bracken, LLC, and files the within Motion for Judgment on the Pleadings, of which the following is a statement: 1. Plaintiff is MBNA America Bank, N.A, is located at 655 Paper Mill Road, Mail Stop 1411, Wilmington, DE 198841411. 2. Defendant Melissa J Shenk is an adult individual with a last known address of 226 Reno Street, New Cumberland, Cumberland County, PA 17070. 3. On or about December 20, 2007, Plaintiff filed a Complaint against Defendant seeking to recover monies due Plaintiff for charges incurred on an open end credit card account issued to Defendant by Plaintiff. A true and correct copy of said Complaint is attached hereto, incorporated herein and marked as Plaintiff's Exhibit "A." 4. On or about January 10, 2008, Defendant filed an Answer in response to said Complaint. A true and correct copy of said Answer is attached hereto, incorporated herein and marked as Plaintiff's Exhibit "B." MB No. 150402204 5. That Defendant's answer to Complaint did not contain New Matter to which Plaintiff needed to respond. 6. Defendant did not respond to any numbered paragraph of the Complaint. Instead, Defendant included paragraphs that had no correlation with the numbered paragraphs contained in the Complaint. See Exhibit "B" as previously identified and incorporated herein. 7. Pennsylvania Rule of Civil Procedure 1029(b) states, "A responsive pleading shall admit or deny each averment of fact in the preceding pleading or any part thereof to which it is responsive." 8. Pennsylvania Rule of Civil Procedure 1029(b) states, "averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication." 9. Pennsylvania Rule of Civil Procedure 1029(b) further states, "a general denial or a demand for proof, except as provided by subdivisions (c) and (e) of this rule, shall have the effect of an admission." Neither 1029 (c) or 1029 (e) are applicable to this matter. 10. The pleadings are closed and time exists within which to dispose of this motion without delaying trial. 11. The pleadings filed of record show that no genuine issue of material fact exists to be tried. 12. Plaintiff is entitled to judgment on the pleadings as a matter of law. WHEREFORE, Plaintiff, MBNA America Bank, N.A, respectfully asks that this Honorable Court enter judgment in favor of Plaintiff and against Defendant Melissa M33 No. 150402204 J Shenk in the amount of Seventeen Thousand Three Hundred Fifty Dollars and Thirty Cents ($17,350.30), plus the costs of this action and such other relief as this Honorable Court deems proper and just. Respectfully submitted, Robert N. Polas, Jr. Attorney ID No. 201259 Mann Bracken, LLC Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff MB No. 150402204 VERIFICATION The undersigned hereby states that he is the attorney for Plaintiff, MBNA America Bank, N.A, who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he is authorized to make this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Motion are true and correct to the best of his knowledge, information, and belief, based upon information provided by Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. § 4904, relating to unsworn falsification to authorities. Robert N. Polas, Jr., Esquire ID No. 201259 Mann Bracken, LLC Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff MB No. 150402204 EXHIBIT "A" M13 No. 150402204 IN THE COURT OF MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL WILMINGTON DE 19884-1411 Plaintiff vs MELISSA J SHENK 226 RENO ST NEW CUMBERLND PA 17070 Defendant(s) Date: lx? lo-; PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA STOP 1411 : No. 07 P ?FJZ. CIVIL ACTION - LAW i 'o n r%,) -j Filed on behalf of: rn Plaintiff, MBNA AMERICA BANK, N.A. C'j Counsel of record for this party: Am F. DoyleW* / Daniel F. Wolfson #20617 Phi ip C. Warholic #86341 / David R. Galloway #87326 To 'lyn M. Chippie #87852 / Sarah E. Ehasz #86469 Rot N. Polas, Jr. #201259 / Ronald S. Canter #94000 Wo poff & Abramson, L.L.P. Amt rneys in the Practice of Debt Collection 46 Trindle Road, Suite 300 C p Hill, PA 17011 Tel hone: (717) 303-6700 Co sel for Plaintiff IN THE COURT OF MBNA AMERICA BANK, Plaintiff vs MELISSA J SHENK Defendant(s) You have been sued in Court. l pages, you must take action wit by entering a written appearanc your defenses or objections to t do so, the case may proceed wit Court without further notice foi Plaintiff. You may lose money YOU SHOULD TAKE THIS P. HAVE A LAWYER, OR CAN] SET FORTH BELOW TO FIN] PROVIDE YOU WITH INFOR IF YOU CANNOT AFFORD PROVIDE YOU WITH INFO SERVICES TO ELIGIBLE P PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. CIVIL ACTION - LAW NOTICE F you wish to defend against the claims set forth in the followinilg Zin twenty (20) days after this Complaint and Notice are served, personally or by an attorney and filing in writing with the CoOrt ie claims set forth against you. You are warned that if you fail Ito out you and a judgment may be entered against you by the any money claimed or any other claim or relief requested by tt?e or property rights important to you. i PER TO YOUR LAWYER AT ONCE. IF YOU DO NOT j OT AFFORD ONE, GO TO OR TELEPHONE THE OFFId OUT WHERE YOU CAN GET HELP. THIS OFFICE CAI TION ABOUT HIRING A LAWYER. HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO TION ABOUT AGENCIES THAT MAY OFFER LEGAL; SONS AT A REDUCED FEE OR NO FEE. erland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 IN THE COURT OF MBNA AMERICA BANK, N? Plaintiff vs MELISSA J SHENK Defendant(s) PLEAS OF CUMBERLAND COUNTY, PENNSYLVANII : No. CIVIL ACTION - LAV NOTICIA USTED HA SIDO demanda puestas en las siguier. despues que esta Demanda personalmente o por un aboga( a las demandas puestas en estu puede proceder sin usted y un aviso por cualquier dinero re soiicitado por Demandante. U para usted. )ADOIA EN LA CORTE. Si usted desea defender conta la :es paginas, usted tienen que tomar acci6n dentro veinte (20) as Aviso es servido, con entrando por escrito una aparen is y archivando por escrito con la Corte sus defensas o objeciones contra usted. Usted es advertido que si falla de hacerlo el 4so juzgamiento puede ser entrado conta usted por la Corte sin ryas lamado en la Demanda o por cualquier otro reclamo o ali*io ted puede perder dinero o propiedad o otros derechos importa* USTED DEBE LLEV ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI US NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJAA AQUI ABAJO. . ESTA OFIC A PUEDE PROVEERE CON INFORMACION DE COhf O CONSEGUIR UN ABOGADO SI USTED NO PUE E PAGARLE A UN ABOGADO, ESTA OFICINA PUE E PROVEERE INFORMACIO ACERCA AGENCIAS. QUE PUEDAN OFRECR SERVICIOS LEGAL A PE SONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 i i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N. A. Plaintiff : No. vs CIVIL ACTIdN - LA'W MELISSA J SHENK Defendant(s) . COMPLAINT AND NOW, this 15 day of November, 2007, comes the Plaintiff, MBNA AMERICA BANt, i N.A. , by and through its atto eys, the law firm of Wolpoff & Abramson, L.L.P., and files thi within Complaint and in support avers as follows: Plaintiff is MBN4 AMERICA BANK, N.A. , located at 655 PAPER MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411. 2. Defendant, MELISSA J SHENK, is an adult individual with a last known address of 226 RENO ST, NEW CU ERLND, CUMBERLAND COUNTY, PA 17074. 3. It is averred Defendant was issued an open-end credit account by Plaintiff. This account was created through a written contract between Plaintiff and Defendant, accepter! by Defendant when he signed and utilized the credit card account. A true and connect copy of fhe Credit Card Agreement gov g this account is attached hereto as Exhibit "A." 4. The Credit Card Agreement contains a binding Arbitration provision providing I: that any claim or dispute betty n Defendant and Plaintiff would be subject to binding arbitratii I on before the National Arbitration Forum (NAF). This Credit Card Agreement also recites that since the agreement involved instrumentality of interstate commerce, that the Federal i Arbitration Act, 9 U.S.C. §§1-i (FAA) governed the Agreement and that following disposition through the NAF, judgment ma, y be entered in any state court having jurisdiction. i 5. At all relevant ti mes 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. b. By virtue of Def i endant's use and maintenance of this credit card in connection i with his purchases of goods, an services, he became bound to all of its contractual terms, whi?h clearly included an arbitration a greement. Therefore, there is a valid agreement to arbitrate and Defendant consented to the N having jurisdiction over this claim. 7. Defendant recei ed monthly statements which accurately state all purchases an4 payments made during the mon , interest charges imposed on the unpaid balance, and the amount due. A summary of the laccount showing the balance due and owing is incorporated herein and marked as Exhibit "0". 8. Defendant did not object to the summary of account. 9. Defendant has mode sporadic and irregular payments, if any, which have been applied to the outstanding balan?c of this account. 10. As of the date o the within Complaint, the remaining balance due, owing and unpaid on Defendant's credit a ount, as a result of charges made by said Defendant and/or airy authorized users is the sum of 17,350.30. 11. Plaintiff has reta i ined the services of the law firm of Wolpoff & Abramson, L.Lip. in the collection of the amount , j due from Defendant. 12. Despite reasonab le 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 etriment of the Plaintiff. 13. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 14. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE Plainti respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $17,350.30, plus costs of this action and any other relief as this Co deems proper and just. Respectfully submitted, - ? . 4W./tI Date: Amy F. Do le #ftd/ 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 / Ronald S. Canter #94000 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 rrp rmnlt - MRNA wn AF Rc int The undersigned outside of this jurisdiction and manner, he/she is authorized to action and verifies that the the best of his/her knowledge, Plaintiff. The undersigned penalties of 18 Pa.C.S. Section !f, Date: r I -31 VERIFICATION states that he/she is the attorney for the Plaintiff who is located n order to file the within document in an expedient and timely this verification on behalf of said Plaintiff in the within made in the foregoing Complaint are true and correct to j ition, and belief, based upon information provided by th that false statements herein are made subject to the relating to unsworn falsification to authorities. Amy F. Doyle #87062 1 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 / Ronald S. Canter #94000 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 Cmnlt - MBNA wo AF & Int xh i b it "A" ". w..-. 41.1 i all, I, f it] i 911 1 III's 11 1{I?{?i?ifiu ?a ,, ?a ?,1@illl?1lf?a,??lifil x r t .:. FIy ?. Y? • • .i ,fir: ?•? ? 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Sys s ?? ? l $// hf xhibit "B" CLIENT NO 001730 MBNA ACCT# ****** PRIMARY DEBTOR ***** *M-ACCT-NO *M-REC-TY 4264294999927231 A *M-FIRST-NAME *M-ADDR-1 MELISSA J 226 RENO ST *M-CITY *M-COUNTY NEW CUMBERLND *M-WORK-PH *M-DOB *M-P 7177742320 06/02/54 *M-POE-ADDR *M-BANK-CODE*M-BRANCH-CODE *M-CO-RSN*M-ACCT-STATUS*M=INT-1 210 0000 *M-LAST--PYMT-DATE*M-CO-AMT 03/21/05 17,350.30 *M-NET-PRIN *M-NET-COST *M-N] 17,350.30 .00 .00 *M-COMMENT-2 000 20051101 0000000 *M-COMMENT- 3 *M-2ND-NAME *M-MONTHLY-PYMT*M-OTHER-PYMT*: .00 .00 R *M-LAST-INT-DATE*M-LAST-CONTA, *M-ADDR-FLAG*M-SSN 264294999927231 BALANCE -- 17,350.30 /0 DATE 10/29/05 LSTPY DT 03/21/05 E*M-CUST-TYPE*M-LAST-NAME I SHENK *M-ADDR-2 *M-STATE*M-ZIP *M-HOME-PH PA 170702047 7177744687 -NAME *M-LOAN-TYPE*M-LENDING-OFFICER LVO1 OV0001 L-CODE*M-RECOVERER-CODE*M-DEALER-CODE LFCA TE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE 10/29/05 06/27/01 10/29/05 -ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 00 .00 17,350.30 -INT *M-COMMENT-1 AAWWAA1234567 *M-COMMENT-DATE 11/01/05 *M-MONTHLY-INCOME*M-OTHER-INCOME 57.50 .00 )WN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE 0787 -DATE*M-COMM-RATE*M-HOME-PH-FLAG*M-WORK-PH-FLAG 0000 •MIO*M-AG RECEIPT FOR PAYMENT Liberland County Prothon tary' s Office Carlisle, Pa 17013 MBNA AMERICA BANK A (VS) SHENK MELISSA J Case Number 2007-07 39 Received of PD W LPOFF & ABRAMSON IM Total Non-Cash..... + Total Cash......... + Change ............. - Receipt total...... = ------------------------- - is action Description " ?L AINT . ON CMPLT ';E 1 TLEMENT AUTOMATION JCP FEE 78.50 Check# .00 .00 $78.50 Receipt Date 1/20/20 Receipt Time 13:555: Receipt No. 2022 23909 stribution Of Payment ------------------- ----- Payment Amount 55.00 CUMBERLAND CO GENERAL FUND .50 BUREAU OF RECEIPTS AND CONTR 8.00 CUMBERLAND CO GENERAL FUND 5.00 CUMBERLAND CO AUTOMATION FUN 10.00 BUREAU OF RECEIPTS AND CONTR $78.50 •V r A EXHIBIT "B" M33 No. 150402204 S skl-l 40 ?. ) M=- - - t. -? FIT ?c FAIT f D 5 Pt i f j-? i? S ULT's 4,\ 0 ju/ N5ir iv i - a- X31 t-? CIE _ c wGI L, -U SIE F--CRED[z ?N =?"AiTS bod Coot R`7` 6f' C ?.?'i.r"'tC`,ti r??L?A? oF Cdv L 1 r f rt- ,? t t= := M BNA ?t;^? E-Z i CA `bAN k , NA 0-7 - 7b3 ) eR,-l ?StiJ 7 C/ ,lvicit5?f?' :, .lac C'?( ,? r u c ?' 1 ` rILI.A FAY 171L- SAi A,,QCc c'?f?? %ti i ERE??t? 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AU, 2 i `tc~ S i RA b G44-T2-:-,q TN t S U U ,V,V CO --c 'EWE tN v.E'L iNI WA-n PA GE 4 o-? - ??39 CIVIL OF AMY -DY)3i HE ?A G(DR IC(4LLY '7 EPU 5 CL -D FAi r4 c- r-FoR My PRO/vt 15 C--.D LE GAL AmD C--,,oc, ATI? 6-60b r-,4 i T74 MAq L-:;- R I??= A S 5 U ki-:I) MC 77 47" -rj+t s W A s 14t s A C- Ft oTIT 0,?,PLYCGMBER tl I CF- c? U -r M 8N A { 1 ? tw? RE ?. C-? -tie MAJ-D R CRI .-t 7-L ?4 R D c+ ti;? ? -? z ? , .ter MNGAGE'D 'PA & 5 C)7--7673ci CIVIL -,;M-? L-V D i 15 Ur-r-FRE"O, L,?GRUt.-=,N'T- C?rz Simi YO t SLu6SL P TD 1LLZCEE ( c' l.. I m It T)kVT7 nA; 7-5 STAT7.4 T-C- . '11-6? If 6 1 Lg?-e?l acx?8 ?iyJ,-StIF Altv Uas , `WCUL4R MAC r! 11 NA U A-Ry A00a 0a& -P\ JO AVENUE NEW LU.NISElq L1`?},U D, FA 17C-70 -717 77/-/^ y? `d7 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., No. 07-7639 CIVIL TERM Plaintiff V. MELISSA J SHENK Defendant CIVIL ACTION - LAW CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Motion for Judgment on the Pleadings was served this date by Regular Mail, Postage Pre- Paid, on this day of 12008. Ms. Melissa J Shenk 226 Reno St New Cumberland, PA 17070 Robert N. Polas, Jr. Esquire ID No. 201259 Mann Bracken, LLC Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff M13 No. 150402204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., No. 07-7639 CIVIL TERM Plaintiff v• CIVIL ACTION - LAW MELISSA J SHENK Defendant PLAINTIFF'S BRIEF IN SUPPORT OF ITS MOTION FOR JUDGMENT ON THE PLEADINGS AND NOW, comes Plaintiff, MBNA America Bank, N.A, by and through its attorneys, Mann Bracken, LLC and files the within Brief in Support of its Motion for Judgment on the Pleadings. 1. STATEMENT OF FACTS & PROCEDURAL HISTORY: MBNA America Bank, N.A, filed a Complaint against Defendant on or about December 20, 2007, seeking to recover monies due Plaintiff for charges incurred on an open end credit card account issued to Defendant by Plaintiff. A true and correct copy of said Complaint is attached to Plaintiff's Motion for Judgment on the Pleadings as Exhibit "A." On or about January 10, 2008, Defendant filed an Answer in response to said Complaint. A true and correct copy of said Answer is attached to Plaintiff's Motion for Judgment on the Pleadings as Plaintiff's Exhibit "B." Defendant's Answer to Complaint did not contain New Matter. Because Defendant did not respond to each numbered paragraph in the Complaint, Plaintiff filed a Motion for Judgment on the Pleadings. This brief follows. MB No. 150402204 II. QUESTION PRESENTED: Under Pa.R.Civ.P. 1029(a)-(b) and governing case law, may this Court enter judgment on the pleadings when Defendant generally denied and/or did not answer specific factual allegations in the Complaint? Suggested Answer: Yes. III.DISCUSSION: A. BECAUSE DEFENDANT DID NOT SPECIFICALLY RESPOND TO THE ALLEGATIONS IN PLAINTIFF'S COMPLAINT AS REQUIRED UNDER PA.R.CIV.P. 1029(A)-(B), PLAINTIFF'S ALLEGATIONS ARE DEEMED ADMITTED. Pennsylvania Rule of Civil Procedure 1029 governs responses to pleadings and sets forth appropriate responses available to a party. Pa.R.Civ.P. 1029(a) provides: A responsive pleading shall admit or deny each averment of fact in the preceding pleading or any part thereof to which it is responsive. A party denying only a part of an averment shall specify so much of it as is admitted and shall deny the remainder. Admissions and denials in a responsive pleading shall refer specifically to the paragraph in which the averment admitted or denied is set forth. Pa.R.Civ.P. 1029(b) provides: Averments in a pleading to which a responsive pleading is required are admitted when not denied specifically or by necessary implication. A general denial or a demand for proof, except as provided by subdivisions (c) and (e) of this rule, shall have the effect of an admission. Subdivision (c) relates to a response when the party is without knowledge sufficient to form a belief as to the truth of an averment. See Pa.R.Civ.P. 1029(c). Reliance on subdivision (c) does not excuse a failure to admit or deny a factual allegation when it is clear that the pleader must know whether a particular allegation is true or false. See id. citing Cercone v. Cercone, 386 A.2d 1 (Pa. Super. 1978). Subdivision (e) relates to a response when the action seeks monetary relief for bodily MB No. 150402204 injury, death or property damage. See Pa.R.Civ.P. 1029(e). Subdivision (d) is not applicable to this case. "To determine if an answer is a general denial under Pa.R.Civ.P. 1029(b), the court must examine the pleadings as a whole." Commonwealth by Preate v. Rainbow Associates Inc.. 138 Pa. Commw. 56, 61; 587 A.2d 357, 360 (1991). Responses which are merely general denials of allegations are not sufficient and, in such a case, the allegations will be deemed admitted. See Swift v. Milner. 371 Pa. Super. 302, 308-309, 538 A.2d 28, 31 (1988). Defendant's General Denials Because Defendant failed to specifically respond to any of the factual allegations contained in Plaintiff's Complaint, Defendant's responses must be deemed admissions. In the Cercone case, our Superior Court addressed the effect of a response under Pa. R.Civ.P. 1029(c) when Plaintiff makes factual allegations in the Complaint. The Court held that "a defendant may not rely upon Rule 1029(c)(1) to excuse a failure to make a specific denial of factual allegations contained in a complaint when it is clear that the defendant must know whether a particular allegation is true or false. See Cercone, 386 A.2d 1, 4. Because Plaintiff alleges Defendant owes money to Plaintiff, Defendant clearly could have specifically admitted or denied this factual allegation. Averments in a pleading to which a responsive pleading are required are deemed admitted when not denied specifically; as a result, Defendant has admitted all allegations in Plaintiff's Complaint. See Pa.R.Civ.P. 1029(b). In First Wisconsin Trust Co. v. Strausser, our Superior Court addressed the effect of a general denial in a mortgage foreclosure action as it pertained to an allegation in MB No. 150402204 the complaint itemizing the amount owed to the plaintiff by the defendant. See First Wisconsin Trust Co., 653 A.2d 688 (Pa. Super 1995). In that case, First Wisconsin alleged in paragraph six (6) of its complaint that the total amount due on the mortgage was $349,829.96. See id. at 692. In response to that allegation, Strausser responded by stating the allegation was a conclusion of law. See id. The court held that such response was a general denial and should therefore be deemed admitted. See id. Unlike the First Wisconsin case, Defendant in this case did not respond to any of the numbered paragraphs in the Complaint; instead, Defendant admits that she was issued a credit card by Chase Manhattan Bank but is unable to pay the balance of the account. IV. CONCLUSION: For the above stated reasons, Plaintiff requests that this Honorable Court grant its motion for judgment on the pleadings and enter judgment in favor of Plaintiff and against Defendant for $17,350.30, plus costs of suit. Res ectfully submitted Robert N. Polas, Jr., Esquire Attorney ID No. 201259 Mann Bracken, LLC Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 (717) 303-6700 Counsel for Plaintiff MB No. 150402204 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., No. 07-7639 CIVIL TERM Plaintiff V. CIVIL ACTION - LAW MELISSA J SHENK Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Plaintiff's Brief in Support of it's Motion for Judgment on the Pleadings was served this date by Regular Mail, Postage Pre-Paid, on this day of 2008. Ms. Melissa J Shenk 226 Reno St New Cumberl , PA 17070 Robert N. Polas, Jr., Esquire Mann Bracken, LLC Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 (717) 303-6700 MB No. 150402204 ?,,? r,s c:.? C'? C_3 `? ter-. i ?? . ! {. ' ? ?F ?. L.] 6 », ry '" ? +? "` j 1 . .' i"i y t"4 ? - YF ? ?:?'.a [ ? r ?y ? MBNA AMERICA BANK, N.A., Plaintiff vs. MELISSA J. SHENK, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW NO. 07-7639 CIVIL IN RE: PLAINTIFF'S MOTION FOR JUDGMENT ON THE PLEADINGS BEFORE! HESS, OLER AND GUIDO, J.J. ORDER AND NOW, this q- day of December, 2008, plaintiff's motion for judgment on the pleadings is GRANTED and judgment is entered in favor of plaintiff and against the defendant, Melissa J. Shenk, in the amount of $17,350.30, plus costs of this action. BY THE COURT, /Robert N. Polas, Jr., Esquire Mann Bracken LLC 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 For the Plaintiff Melissa J. Shenk, Pro Se 226 Reno Street New Cumberland, PA 17070 Defendant rlm Cor t es e?ua- I LL Hess, J. r- _.- >- tom, j CKI d ?w