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Home My WebLink About08-1119 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. :No. 08- 1119 0,isji l (+erm 655 PAPER MILL ROAD DE5-013-02-02 WILMINGTON DE 19884 Plaintiff : CIVIL ACTION - LAW vs KEITH N YOST 8 S 39TH ST CAMP HILL PA 17011 Defendant(s) Filed on behalf of: Plaintiff, FIA CARD SERVICES, N.A. Counsel of record for this party: Date: 'dlylhA Am„y'__F p?t1 062 /Daniel F. Wolfson #20617 hilip C. Warho c #86341 avid R. Galloway #87326 Tomlyn? ippie 52 / 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 Cover - GENERAL W&A File No. 162543297 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs KEITH N YOST 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. 162543297 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. Plaintiff vs KEITH N YOST 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 acci6n 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. 162543297 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA FIA CARD SERVICES, N.A. FKA, MBNA AMERICA BANK, N.A. : No. Plaintiff vs : CIVIL ACTION - LAW KEITH N YOST Defendant(s) COMPLAINT AND NOW, this 06 day of February, 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, KEITH N YOST, is an adult individual with a last known address of 8 S 39TH ST, CAMP HILL, CUMBERLAND COUNTY, PA 17011. CCP Cmplt - MBNA wo Int 4 W & A File No. 162543297 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". 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. 162543297 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 $4,207.59. 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 $841.52. 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 W & A File No. 162543297 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $4,207.59, reasonable attorney's fees in the amount of $841.52, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: Am F. Doyle #8742 / Daniel F. Wolfson #20617 hilip C. Warholic avid R. Galloway #87326 Tom yn ipp / 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. 162543297 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: Daniel F. Wolfson #20617 W863 David R. Galloway #87326 e #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. 162543297 Exhibit "A" s; ?lpl$11t?l? gal o' 'tj .2-2 cif{ilj7???? fill, gal #JIM AST. -:1V A.. • ?ti•_ Ow liftoff It I I 11"I ily Ifillif 11 1 Ta 11 it I I visa list v Ill's 1A U fit ajar fill r tt r 13 f ?1i ?7 ? ? 1 ? ' j? to fit a J1, 11121 jag psi's if 91 4.2 1 fI?? t tea list 1.2 fill I I .A. 11 ff fill 2 1 it 0 Of ? ??olz ? it). I x i is will a qt I a I , his IllAir ?? ' a ?? rM711 ,?' ?lk I 1? N In fill aU 1, il 1, .2 11.2 i 1211.1glug .41i,111111,1 'its av uV. 0 so E.C six Zip all x w III*? 'Is BIT all a ? f f dpi i? ? s 16 Is s IS1 .1 .. ? r f f i # f Ila .? [ ?• ?? not i # f :#d f j i f ,_l $ I a a j IN?.[Zv lit i JIM, v t fir ij. I if j u 71 141 Mo s a Hill d _ Is ®r a a 1 r ?j a• = s lots jill s s? lit,s oaf a j a r' S s sly I ?i- ar t '? a + i i a as = s flit _# 31, t -I a # s still) a ?. it; a = y = it a jr - 114 _ of 11 s` r s E 1118111 8111, s V fill ar f i „a sa 3' •f s - _ ! I .$ s a 9? #? ?Z •. _??? ? _ vy a.2.as O . a s s ?. ?f?r?,?f ???? a; $?3? ?'a ?a ? a? t t Ila lam uf Ag I I drill I :x ,# 9#1 Val X - jil I ¢iA? a? jas?sl? 7??b /1Ia0?d???tf fit, ''? It t --•f ._ ,.. 1.:r ?@H? 11.4?'sle?i??? imam 69 Ali r till NOT Mi r fs jig If, +???'?s????t' U1 Pat a 22 1 .1 all fig haw's ifs 11 a a 11 a fit s Aff I a •aa r OU r s , 1 psi s? f s Y a d Is In a? a aaa s Nib as. ia IV' ? 3 I x f x x x _ 7?'irlt?=z?wf? j? ? 2 -.Jot _Z -W Itgall:sroafi aaf is loot" ?9 a= 49 'PC dr ? s s U e ? G •! aj ? lad a ??g? s ?` ? ? ? s 5 s as ?'? lit gal a Ige ll z Y . s ?.?3 as a ??,• i Exhibit "B" CLIENT NO 001888 MBNA ACCT#4313081999400231 BALANCE -- 4,207.59 ****** PRIMARY DEBTOR ***** C/O DATE 07/29/05 LSTPY DT 11/15/04 *M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME 4313081999400231 A I YOST *M-FIRST-NAME *M-ADDR-1 *M-ADDR-2 KEITH N 632 LYNES RD *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH DILLSBURG PA 17019-9008 7174320492 *M-WORK-PH *M-DOB *M-POE-NAME 0000000000 10/26/61 *M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER LVO1 OV0001 *M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE SECO *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE 210 0000 07/29/05 08/09/99 07/29/05 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 11/15/04 4,207.59 .00 .00 4,207.59 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 4,207.59 .00 .00 EM121B1234567 *M-COMMENT-2 000 20060609 0000000 *M-COMMENT-3 *M-COMMENT-DATE 06/09/06 *M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME 49.16 .00 *M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE .00 .00 R 0662 *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 CD U{ -1 00 p CLA SHERIFF'S RETURN - NOT FOUND CASE NO: 2008-01119 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND FIA CARD SERVICES NA VS YOST KEITH N R. Thomas Kline Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named DEFENDANT YOST KEITH N but was unable to locate Him in his bailiwick. He therefore returns the n/IArtTT T TATT r RT/1T T/ V the within named DEFENDANT , YOST KEITH N 8 S 39TH STREET NOT FOUND , as to CAMP HILL, PA 17011 DEFENDANT DIED APPROXIMATELY A YEAR AGO. Sheriff's Costs: Docketing Service Not Found Surcharge 1030 ? ?. So answers-. 18.00 >> = ??/ 13.44 5.00 R. Thomas line 10.00 Sheriff of Cumberland County .00 -1"46.44 WOLPOFF & ABRAMSON 02/27/2008 Sworn and Subscribed to before me this day of A. D. David D. Bueff Prothonotary KirkS. Sohonage, ESQ Solicitor knee X Simpson 15` Deputy Prothonotary Irene E. Morrow 2"d Deputy Prothonotary Office of the Prothonotary Cumberland County, Pennsylvania -///? CIVIL TERM ORDER OF TERMINATION OF COURT CASES AND NOW THIS 25TH DAY OF OCTOBER, 2011, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA R.C.P 230.2 BY THE COURT, DAVID D. BUELL PROTHONOTARY One Courthouse Square • Suite 100 • Carksle, pA 17013 • (717) 240-6195 • Fa.Z (717 240-6573