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Home My WebLink About08-0846IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. l-&M 014-v; FKA, MBNA AMERICA BANK, N.A. :No. 08- 8% 655 PAPER MILL ROAD DE5-013-02-02 WILMINGTON DE 19884 Plaintiff vs CHARLES A SMITH 407 5TH ST/PO BOX 11 SUMMERDALE PA 17093-0011 Defendant(s) : CIVIC. ACTION - LAW Filed on behalf of: Plaintiff, FIA CARD SERVICES, N.A. Counsel of record for this party: Date: Amy F. Doyle Wolfson #20617 Philip C. Warholic #86341 / David R. Galloway #87326 Tonilyn M. Chippie #87852 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 Wolpoff & Abramson, L.L.P. Attomeys 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. 141947821 IN THE COURT OF COMMON PLEAS OF CIJM13ERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs CHARLES A SMITH 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 REDUCEI) FEE OR NO FEE. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013 717-249-3166 CCP Notice to Defend W&A Pile No. 141947821 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs CHARLES A SMITH Defendant(s) NOTICIA : 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 accion dentro veinte (20) dias despu6s 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 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. 141947821 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs CHARLES A SMITH Defendant(s) COMPLAINT No. CIVIL ACTION - LAW AND NOW, this 23 day of January, 2008, 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 is FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. , located at 655 PAPER MILL ROAD DE5-013-02-02, WILMINGTON, DE 19884. 2. Defendant, CHARLES A SMITH, is an adult individual with a last known address of 407 5TH ST/PO BOX 11, SUMMERDALE, CUMBERLAND COUNTY, PA 17093-0011. CCP Cmplt - MBNA wo Int 4 W & A File No. 141947821 3. It is averred that Defendant was issued an open-end credit card 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, 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 Int W & A File No. 141947821 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 $5,928.90. 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. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Wolpoff & Abramson, L.L.P. in the collection of the collection of the amounts due from Defendant incident to the within action, the Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 13. The amount of attorney's fees incurred in this matter is the sum of $0.00. 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 Int 6 W & A File No. 141947821 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $5,928.90, reasonable attorney's fees in the amount of $0.00, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: 131 Amy F. Doyle 7062 / Daniel F. Wolfson #20617 Philip C. Warholic #86341 / David R. Galloway #87326 Tonilyn M. Chippie #87852 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - MBNA wo Int 7 W & A File No. 141947821 VERIFICATION The undersigned hereby states that he/she is the attorney for the Plaintiff who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: 9 4, , Amy F. oyl # 062 / aniel F. Wolfson #20617 Philip C. Warho is #86341 / David R. Galloway #87326 Tonilyn M. Chippie #87852 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - MBNA wo Int W & A File No. 141947821 Exhibit "A" s' ?t, y(i1 ?tlFi[?$ht WWI ZI -4 ??jt!?r;?rt?r6?€?tttl rill HIS fit M at t?tl'. t1 F? H {t7f! rr:t .- 1 11,1111 fir 3 lEfJ 11 sit 9.2t a L fit fun- I ._? Oi E s_ Z $ F-V Q ' 'T , 1 2 -?-' 0; fit., l i i- a a fit Ill Ht fill i 14 its AL3?s= ?e 8 ti'l Iwul# Ia is Sid p 3 a fin !its i 4 A s or 5011 ? fit fit s ;f= R l? 11I"uti?? WIN i? ! 41 I -A file ALI I Uffla I P1 .fill 11 it, to r win B EfIr THE q t? ?s tf ff [till 1 jr fig; I 11 film., rltlu IF t 1119 t 10. Is. rt ?i r x1mrsir fit t? 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' V 3 s 8 W P T SIM i Exhibit "B" ••FIEHINFOI •• Date 05/18/05 Account 5329090999937356 Mode L ••Nxt + • CLIENT NO 001888 MBNA ACCT#5329090999937356 BALANCE --$5,928.90 ****** PRIMARY DEBTOR ***** C/O DATE 12/30/04 LSTPY DT 06/11/04 *M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME 5329090999937356 A I SMITH *M-FIRST-NAME *M-ADDR-1 *M-ADDR-2 CHARLES A 70 AUTUMNWOOD *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH MIDDLETOWN PA 17057 7179445932 *M-WORK-PH *M-DOB *M-POE-NAME 5555555555 04/15/56 EDS *M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER LMO1 OM0001 *M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE H001 011 *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE 210 0000 12/30/04 09/15/96 12/30/04 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 06/11/04 $5,928.90 $.00 $.00 $5,928.90 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 $5,928.90 $.00 $.00 3412341234567 *M-COMMENT-2 000 20050106 0000000 *MODE L=LFT R=RGT W=WRP Next File • ••FICHINFOI •• Date 05/18/05 Account 5329090999937356 Mode L ••Nxt + *M-COMMENT-3 *M-COMMENT-DATE 01/06/05 *M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME $.00 $.00 *M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE $.00 $.00 R 0650 *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-AGY-CODE XXX-XX-8298 MBNA AP48 *MODE L=LFT R=RGT W=WRP Next File • 01 -by, rv 00 r7' r Z ? O cx7 ?? C n -7 . - -; -71 O(A SHERIFF'S RETURN - REGULAR CASE NO: 2008-00846 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND FIA CARD SERVICES NA VS SMITH CHARLES A WILLIAM CLINE , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon -I,----- r the DEFENDANT , at 2040:00 HOURS, on the 8th day of February , 2008 at 407 5TH STREET SUMMERDALE, PA 17093-0011 by handing to a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 14.40 Postage .58 Surcharge 10.00 .00 4 92 Sworn and Subscibed to before me this day So Answers: R. Thomas Kline 02/11/2008 WOLPOFF & ABRAMSON By: t }-- eputy Sheriff of A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff VS CHARLES A SMITH Defendant(s) No. 08-846 CIVIL TERM CIVIL ACTION - LAW PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Date: ? 1% " Amy F. D41e #87062 / Daniel F. Wolfson #20617 Plip C. W 6341 / David R. Galloway #87326 Tbaikyff'M 8 2 / Sarah E. Ehasz #86469 #201259 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. 141947821 .? ?,,. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. No. 08-846 CIVIL TERM FKA, MBNA AMERICA BANK, N.A. Plaintiff vs. CIVIL ACTION - LAW CHARLES A SMITH Defendant(s) The undersigned does hereby certify that a copy of the foregoing praecipe was t4A served this date by Regular Mail, Postage Pre-Paid on this ZQ day of ftCf e 200t• Amy F _] I Daniel F. Wolfson #20617 hilip C. Warholic #86 41 David R. Galloway #87326 on j CFiippie 2 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 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. 141947821 Michael Travis 3904 Trindle Rd Camp Hill, PA 17011 C7 ? ? r?5