HomeMy WebLinkAbout04-2248
MBNA AMERICA BANK, N.A.,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. e4 - J.J.~
ClUL'-r ~""'I
VS.
CIVIL ACTION - LAW
SCOTT J MOSER,
Defendant
NOTICE
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 is served, by entering a
written appearance, personally of by attorney, and filing in waiting 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 in the Complaint, or document, or for any other claim or relief requested by he
Plaintiff. You may lose money or property or other right 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 TO
FIND OUT WHERE YOU CAN GET LEGAL HELP.
NOTICIA
Le han demandado a used en la corte. Si used quaere defensas de esas demandas expuestas en las
paginas, siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la
notifiation. Used debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte
en forma escrita sus defensas 0 sus objeciones a last demandas en contra de su persona. Sea avisado que
si used no se defienda, la corte tomara medidas y psedido entrar una orden contra used sin previo aviso 0
notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Used puede perder
dinero 0 sus propiedades 0 otros derechos importantes para used.
LLEVE EST A DEMANDA A UN ABODOAGO IMMEDIA T AMENTE. SI NO TIENE ABOGADO 0
SI NO TIENE EL DINERO SUFFICIENTE DE P AGAR TAL SERVICIO V A Y A EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSIT ANCIA LEGAL.
Court Administrator
Cumberland County Court House
I Court House Square, 4" Floor
Carlisle, Pennsylvania 17013
(717) 240-6200
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.,
Plaintiff
NO. 04 - ).;..If'6
C.;(J~lY~
vs.
CIVIL ACTION - LAW
SCOTT J MOSER,
Defendants
COMPLAINT
AND NOW, comes the Plaintiff, MBNA AMERICA BANK, N.A., by and through its
attorneys, Amy F. Wolfson, Esquire, and the law firm ofWolpoff & Abramson, LLP ,and files
the within Complaint and in support avers as follows:
1. Plaintiff, MBNA AMERICA BANK, N.A., is a Delaware corporation doing
business within the Commonwealth of Pennsylvania, and the other states of the United States,
with its principal place of business situated at P.O. Box 15718, Wilmington, Delaware 19850.
2. Defendant, SCOTT J MOSER, is an adult individual with a last known address of
1718 ENGLISH DR, CUMBERLAND County, MECHANICSBURG PA 17055-5645.
3. It is averred that Defendant was issued an open end credit card account. A true
and correct copy of the Credit Card Agreement Additional Terms and Conditions inclusive of an
Amendment is attached hereto, incorporated herein and collectively marked as Exhibit "A".
4. At all relevant times material hereto, Defendant has been a regular user of said
charge card for the purchase of products, goods and/or for obtaining services from Plaintiff or
Plaintiffs licensees.
5. Defendant has been provided with copies of the Statements of Account accurately
showing all debits and credits for transactions on the aforementioned credit card account.
6. Defendant did not object to the above mentioned Statements of Account
submitted by Plaintiff to Defendant.
7. Pursuant to the Credit Card Agreement, which Defendant received when the
aforementioned credit was issued, the parties agreed that this matter be referred to Arbitration in
the event of any claim and/or dispute ifthe account is referred for collection. See Exhibit "A" as
previously identified and incorporated herein.
8. That this matter was referred to Arbitration for determination and disposition,
whereby an Arbitration Award was entered against the Defendant and in favor of the Plaintiff for
the outstanding balance due. A true and correct copy of the Arbitration Award is attached hereto,
incorporated herein and marked as Exhibit "B".
9. That Defendant has made sporadic and irregular payments which have been
applied to the outstanding balance of this account.
10. As of the date ofthe within Complaint, the remaining balance due, owing and
unpaid on Defendant's credit card account, as a result of charges made by said Defendant and/or
any authorized users is the sum of $5,996.48.
II. 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 ofthe Plaintiff.
12. Plaintiff has retained the services of the law firm ofWolpoff & Abramson, LLP in
the collection of the amount due from Defendant.
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
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compulsory arbitration.
WHEREFORE, Plaintiff, MBNA AMERICA BANK, N.A., respectfully requests this
Honorable Court enter judgment in favor of Plaintiff and against Defendant, SCOTT J MOSER,
in the amount of $5,996.48, plus costs of this action and such other relief as the Court deems
proper and just.
Respectfully submitted,
Amy F. W fson, Es . e
WOLPOFF & AB SON, LLP
267 East Market reet
York,PA 17403
(717) 846-1252
ill No. 87062
Attorney for Plaintiff
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VERIFICATION
Amy F. Wolfson, Esquire, hereby states that she is the attorney for the 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, 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 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:
ti1/ '0/
EXHIBIT "A"
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Your COntract Witfi Us
Your CreClt Card A?reement with us c::on~i;;t:; of tke~
AdditiOflal ~tms arrd CQnditioros 4U1d the QOOJme:M called
t~ RilQuim! F~cr;:ll DL."leloE'LlfdS or th~ ltl1tt~1 CiSc:JOS\lN,
YoU ~r~ to the U!u'l'ls: and conditions or th~,A~mG!'i(. For
the pUlpose ~t the Pri~~ NQtf;4, WCl' will use U~e C1e1ln(t!ons
c:ontainad In the thitd pe"'areph.. c,i ~he PrtVlilty Mllt~. F'or the
rem#Jin6~r or the: Agreement, we wilt \lli=e thl3' d~f1nltlons
rl'ilsr::.riblld \lndc( th~ !icctlOf\ MalSlng WIWS tJ~e.1 Oft.cn hI
7~ls Agreemrn:,
Privacy Notice
~cur pri'l;>C\Y Is Impottant "" us, At MBNA. we .'"
eommitted to p",vid~ Y01J with the ~ne5l fU\Andal
produds ilJld .ervi"", bIld<.e<l by consistently topoqu.lit]'
service, And wl\i1e tnrormatlon .bout you Is fundamental
to oW ~billl1"O do thIS, "!Ie fully reCOljniz<: the importance
of keepin~ p~sonal 8nd aco:runt inform.:!tior'l ~ecure_
1"0 offer yo~ the wld~st rnnge 01 produ<:lo and se",ieos,
MENA rn~y share 1T\lormetl~)n e'c<>ut you 'c<>th within
MBNA and outside or MBNA with other cornpb.nies.
rh'$ i!lIows us to offer you prod-ucts: limd sl:!rvi~ that
may In~ere$l; yOU and best meet YI:rur'f1eeds. 'Wh't!the.r
they et~ aV2lil~ble; ditt:dly from MaNA or throl,lt1n our
rdalionships with other companies. We waM you to
undeIStand o~r information safeguards. whet inFormation
we colloct. whet InformatiOn we share. and tl>e b;,ne~tS
yci.l ~~i'le: wh.en ~ snare InformatIon about yotl:
:rhis notice d~r:lbes .th~ privacy pr3<;;tic.es of MBNA
Corporation i;lnci ~JI MBt-.lA affiliates, [ncludlng MBNA
Ameri"oe Sank. N-^.. MaNA America (Delawere). NA.
Pall~\iian Travel ~I!rvi~, lnc., MBNA H21lmarl: .
In(orm.lIon Servic;es, Ino.. M6NA Ma.-ketlnli Systems.
Inc.. and MBNA InsUrM<e A€ency. Inc. (ColleCllvely.
"'NBNA"I. forfjnanci~1 products ;nd s~t'1ih;~ €:ovem~d'
b] tht Itlws of the United Srate$, of America, This
notice ~:r.pl,;ins MBN.~s Information collectiQn and
~h.,jng practices end lets you <hoose wheth~r or not
MBNA may share certain' ltifoTrn~tion :about you, either
w~hln M5NA or outside of M6NI'. with oth.e' c;orr\panleo,
our se<urlt)' Proc.dUre5' MBNA understonds the
importance of protect:l~ and !ecuring Inf9nnation and
using it apJ:lfoptjately. Acces~ to inforrn~ti.on abo\l'C you
I. restrlaed to the people or M6NA who ll'!CJuim it to
plovid~ ptodtl~ ot services to Y01J.. we matntain pnysia
cal. electroni~, and pro=lvrel safe1;;uard5 that compiy
with fed~tal standards Tor the =rtry of inlonnation.
When MBNA $ha~ inforrnotion ~bout yoo with
compenles owide of Ml>NA, we require them to
impose saf~~uard.. use it only for e perrnitted purpose.
,
l:l.t"Id 1.0 return Il tr.l llS or destroy it once that purpose Is
",,,ed, wo limit t~e amount ",r information shared to
what is appropriatE to offer a product or seNke etri.
cientlY, MBNA r~~ulres any company re<:eivinl! inlO'-
, m.tion Irom MaNA to 5i~n a <:onftd.nti~lity Agreenwnt
contilihing thts~ retluirements and oblie,ating that
company to prot~ct u,~ information as we \vOUld.
hlfoi'm~;r:kli'l '~.~.~ C;.t;~-L :,,',m.::.\ coll::::d::; ~:od us~
J'lonpub\i<; persona) jnfClrmation about you t.o cOf\d1J~
our buslnes~ E11\d \0 o:::on:;istently d~liYer the [Op.quality
Cu~lOn",er seNlce. you EX~ct from us. SOI"ll'C;eS of this
in[orrn.tion in~lud.ll\. fOllowing,
. !nformation WE! t"GceiV~ from. you on appli(:atiortS
and other Imm. or throu~h your correspondence or
commu.nic',.2tion wlth us includIng throush the. mail.
by telephone, Qr O'l}'iilr "he lnt~lTIet:
. Information W'i: reee}ve from third p~rti~. slJch as
con5Umer reporHng eeel1C1es. to verify $ta:te:me:nLS
YOlJ"ve m3;de to us, or reg~1dlng )lour empJoymel'lt,
cretiTt. or other rel.,lon.hlp<: and -
.. Lnrorrn:;.tioJ"l abo\Jt your tnms.act\on~ with MBNA and
with oth~( companies ou'Cslde- of MaNA.
Jhform.a.tloD We Shar~ Wlthln M6NA: We may
share 811 of to!! infarrnation 'IV!: COU<::Lt aboUt YOI,! wi.th
rinanclal servl~ comoaflies within MBNA to offa addi-
tional products or 5:;!:rvices that may iMercst '101,1 cmd.
best nieet ~ol.lr needs. We believ~ thIs ls convenient
for you ,ne may save you bOt~ time and money. To co
so. we share identification information lS\lch ~s n~mt
t!nd address}. ttanso!dton. and experle.l'lctalnformation
(sucl1os purcha,e. ,nd payments), credit eli~lbil1l)'
information (slJch as ci~lt r-e:ports l:lno applil:ationsl,
and other informatloi'l. Tr.e d~c.lslon to purchase afiY
SI,Id! products or ~rvjces is your:s alone. You may tell m
not to share ;;:rQ(ih: eH~bl1ity ,inforTnCltion about jo'QU with~
in MI3NA. bUt pi"""" undets~nd this does not prohibit
us [rom offerin.B" you ~ddltior'l~l produ<~s and s.ervl<<:s or
from sharing tr<lnsaCCion and ~rlen.:::e" ide.l'\tIOC2tlon,
and other inform.tion witNn MBNA.
Information We Share Witn 01:heNI: F'l'om lIme to
time. we may allow comp;>n1es outside of MllNA to off';'
YOlJ t:1ulir producrs ~nd SeNlc.es that may Interest you. .
These produas ami selV'io::s may be offered by fjnendal
service provid~rs (such.s banks, loan brokers, account
aEI!r>isaton;, InSUr3nce ge!!nt!:,I,",llTOnce companies,
morteae. bankers, .nd s.""rtdes bn:>ker-d.w."'l, by
nonfinancial companies l$uch os ",t8i1ers. dlre<:t maT-
ketel'$, comf11unl<;~tlons co'mp::ll'li~. Internet s~<<:
'Providers. manufa(tUrers. service ccmpaniE:$, tr3vel
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;agents, ~r'JlSe lines, car r~ntal agencies. hotElI$., airlines.
p'Ubllshers. and oigMhations endorsil'\g MaNA fina1'ldal
ptodlJC~ Or Soel'Ykes), and others (such i:lS nonprofit
or~anlmtionsl. SubleCttO IJPpll<:<>ble I.... we may shate
ell the information Wi/: cOlleqwltlt these companie. OUI-
,ide 01 MBNA. unless you tell us not to.
Additionally. we ",ay share all the information we
collcC\ with t:',omp<mles that PErform t1'l<:ltketlng of other
~erJke:s on our behalf or to o~heT finan1;:i~1 il1stitutlO-M
wit.~ whi-r.;h \OI~ h:!:ve io'i1-ii mtirkeilng. ag:ree:m~Dt5. We
are also permi1::t~ by law to ~hilre infQrT11ation abol)t
you with other comp().nies in c~r[8,in CirCUms.tances:.
For il'1!iCanCe, Wt; may share all of the intQnnation we;
collect witn c:omp;lnies asslstihi, us in sel'Vlctng your
loan or account, with companies tl1at endor$e our
produ~s and ~ervices tbroue;b affLniT.Y a~reemeT1t$,
with government entiUes: in te:sponse to sl.,1bpoenas or
resulatory re~ulrements, and with consumer reportlne
:l.gencies. If you tel[ us not to share information with
c:om~i11~ oUtsilde of MaNA that wl$h to oFref 'YOU
their p,oducts and $~rvlce$, .. described .'::love. pl~IJse
und~Istend that we will con~inue to ~ihare infoITnc;ltiotl
In tnese .edditiQn:i31 drcum:sMnl::~S.
Important Jnformanon Abo\:lt Your Cholc.c: We're
dedicat!1:d to ~(!!Mng your needs.. and to resp.ea:lnt) your
cnoices reined to pTiv;;lQ', You rtlOlY tell Us nOi: to share
credit eligibility Inlormation within MBNA. Bnd ~~ moy
tell us nOt to snare Information witl't Cf,:lfl'I/XIniE:;s o1Jtiid~
of MBNA that wish to offer you their produr;;tS end seMces
a. described above. If you wi.h to opt out of .urn
it1form~tion 5hari~, please cali toll-free 1-$O~'7;.I~!2,55.
W. wi\ I os" YOu to vorl!y your Identity and the sped/Ie
ao:ounts to wl1i(:h the opt out applies, so please have all
your aC-:OtJht. rr.8mb~rsh ip, or referen<:e numbtts and
your SOCial ~cl,Jrl4Y nlJmberorT?xp:ilyer 10Elfl::i.Ilc::atiol"J
numl:€r for depostt accounts available wh-en you call,
MaNA IJpplle. oPt 0U'tS at the ,,,,ount I..."i. not by
individual Customer. when any pernon 11sted with others
on an .acrQunt OPt:;; out lfor e;.::ample, ~ co...appHcam.lolnt
account. hckie;r. O'j ~u.1.horlzed user), we will list the entire
ao:ount as havir'l€; opted out M8NA. will <:ontinue to
; adherilo \ts olsciosed privacy praclioos for an a<<<>unt
even if it becomes inacriV€'OT tsdo'S€:d,
An opt OUt from Information shatine on an account
as described ilbove. either within MBNA and/or wlt'h
comp.nie, outsld9 or MBl'lA, remain' effeCtIve unl<l$s
revo""d i. writi~. fedel'IJI tejlulatlons r~ulre us to
provide this notice on an annual ba$iS, whether Ot hOt
an accoont has pr....loosly opt~d OUt from either type
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of jnrorrtlati~t'I $harin~, Pl~c;~e remem~r whel"\ you
r~ille our substquel"lt notices th~t .m aC:Count previously
opted out from either or bOlD ~s of Inft,rrMllon sheT1n~
land Ml revol<OO in writine) does oot need to be O~ted
Ol.lt again.
This notice Ui'dat'B$ .and r~p!~ces ony ~revlous
notices !rorn MBNA about the privacy. security, and
protection of Information. for ~doltionallnfolm::l~ioli
rG~ardin~ M9.Nt\'S prl\'~cy proctkes (;.oncetl",ine the
Internet end tQ v(ew the tnOtl,trec:ent version of this
privacy Mtice, please go to :,,;y,)Il..lIl!l.oamJn and dick
on "~TlvaC'J NotlC2'.- 'You may haole other priva~ pro~
te",lons under state laws. W. m.y arMnd thw privao:y
notlee at any tlme. and W~ wlll inl'<:>rm you of changes
as r<?quired by I.""
W"rds Used Often tit TJiis Agreement
~N!:(e:ement. or "Credit Card AQ-teoemenr- means these
AddItIonal 'erms and C()ndition~ oI!Il'\Q th~ ReQ\\if'~d F~et~l
bis~IQs.1Jres (oe the lnlt\~i OisdO':SlJ1'1:1 and l':I"y e:hances wit
rna.~ to those dOC\Jmellts from time [0 tlm~
"You" <11',0 ~you(' mi:~n ~~,h .;and ~1I or the per.soTls 'Who
.are er$nt~d. .3,ct:ept. ef u~.e an iloCCOl.lnt we hold. ~Y,oUM and
~YQ.ur- Als.o mean any other pen;.QI'l Urho has: guarM[l:!~d
pq;~m;;nt (;tfit)i~ ~ccot.lnt. when us;ed In ~he setti0f1511::1'1dde:d
W_ Mo1Y MOlllr.::-rdMJ{ Retard Te!'pfll.11t!l. ~aUs and !irBII!~tl,," and
UllfUllion ~nd when USl:!ld in eadl of tl1i1: $e:ctIQtl~ teJati.n~ 'to
p~Yl'TlQnr 01 thIs accovnt IYcUT ?romlsr lq PQ!/, ~ nd H,Ilw Wr.
AlltXa!I!'Yg~r P1l9m~nts. for c:x~I'r'li=llel.
"We-,M ~tJs.">>cut". end "MBNA .Att:erica-" mesn MeNA
Amcri~ Q.~l'I.k. N.A.
"Card" means, ill\! th~ ~redll cards w~ io;.suc to you and to
.e.ny other perwn with ,vthori;atlon to U~ thi'$ ,a~fll.J.nt
pursu:ant to thi~ Airee:mem.
"/v~ce:~~ er.e"'.Jt.! me~ns <olD aCCf:.S"S ch:::ck wt provide. to you
to mi.lKe i;l Cn~c;~ Cash .&.dvlInce trn ~Ol,lr iill;t;Qunt.
U wt .uS<o': ~ ~pl~:Jliz~ te.rm In this ctoC"iJ.ment bl.1t do net
dQ-flM th{! le;ml In thla doc:;\jt'MHI~. the (C!rfn h;s lnllt mQ-:U'Iln;;
glv~n 1n thE' RI::~1Jlra~ Federiil Olsdo.5Ures Qn:i'\" Inh;t~l
OlsclQ)iI,l~, or es used In )'Qur monthly Ft;;tt!m.enr.
We \IM ~km nee.dings (SIJcl\ 8S Waffis Usc.d Ofltn in'i'h15
^stt~l1rn() to Ol'€aniie this Agre<:-rni::nt. 'Tnt adual tefffie, Cl'flb~
AeTetment tire. ita U,e. S~l'Iten-:e~ th..t fellQw I!lnd nol1h-.: htal:linf:li.
Silln 'YOllr Card
Y(\u .shQl.lld sign yc\,lrC'aT~ \;laforeYtltl use it,
We MIIII Mo/litor I1nd Record Tel&phone Calls
You t;:~l\cent to and amhorlze MBN" Am~flc:&. any of hiS ~
E1rnUates. Or It; tn...rlrRtlnE l)~or:i8teS (0 rnonltQ1' and/or recorll
any of YOUr ~l'tphiOr'le <X:lnversatIQ[l!i with Ql,1t \$,:~ruenti~V'ES
Of th~ repl~6'nt,.atj'lg~ tlf lIny c:'If tl1os.e eornpanies.
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I CTedit Rel10rtinQ Agencies
You <I\.lthori~e MBNA AmerJ~ tCl coHed. infour,atiOl'l e.~l>ul
you, indudit'lll credit rc~rrs item <:Qn$umtt reportine: a~~nQCio.
~ If you bl!lleve'.ue ka~e [urnISl:\ed lna<:O,Iriii>t~.ot il)<:ompl~~
I 1",lormarton about}'QlJ gr yQur ..:count 1;0 a C:tedlt r~pOtUne
.' agi;n~, writ\.llllfi Q~ M6NA. <:rodlt1'Repottlng AgendaS, p.o.
I Box 170'4. Wilmington. OE. 1966'-70"4. Pleas.e imhlde your
name, soares<>, home 'PhoM number, and :'CCOlJr-t number.
and explaIn w~e,~ yol,l bl!ll~ve Is InacC\Jrai.!.9~,??;Yl!'l1~11L-. -.. -- .
How to Use YOllr Account
YOt,l may obtain credit In the {Qrm o~ pur~hasE::s and Cl:l~l1
Advan.;es by.~f1.R}101.lf 'cards. ~ ch~, :,.~ount \\umber.
or othtr credit deviCWlS. .pllta$1! r~er to-your Req\lired federal
D15dQ5lJres Qr In!tlal Disclo5Ure t'O -dettrmine- what rnm~r.;"
11011$ c;onstitul'll PUtt::h::l:3~ and C!l.:\.h Ad"'l:\r'I(:e:!! and MWYOU
mllY obtain theM. .
TI'it/tsa'ti~" Date for ~In Cas/i Adl'<lnc~
The """"action data lor Che<k Cash ^,"",n""" nnd ..,....
'Transfe:ra dOl'I~ by cheek 1" ~Me dat~ you or the p~rwn tQ
whom \.h~ -;,he<:k is mad~ p~b\c lirot dc~otlts or eashes tne
dw~, ih~ tr:lns~ctiO['J date: tor 1l1-6t\lmed payme."lt (which
will tl.'len be da5'SJlie<i ijS ;;l a.nk. Cash Advance) Is t'he dnte
thi3t tl1J: ~rre~PQnding payme1'\~ poSted to yom account.
PU.rpOSES for:Uslnq Yvur Account 0
You mloji' \.lSE' yot,tr account (ot- personal, famllr. Qf hcu~ht:lld
purposes., You mal' J'lOt use YOlJr ~<:COUllt lor bu:sin~ O~
<;'Cmmer.r.;:ia 1 pUl'pcs.~.-YOlJ may not ll:se:lt Check O:1,k
Advan~. or ani' otjo\e-rCMh Aclv.an~. [0 maKe a pa~mE'm Qn
till;;. or :my other credit ao=ount with ~.s. 'Iou mill:' !'tot use or
permit )'Our iJ~!:oun't to be \l~ed to rru:!Jke any Ul~al nn"icti~n.
Persoll5 Using Your AewUllt
Ifyol,l permit anypQ'r~Ol\ \0 \.lse Y9IJrc:ard. o'ec~s cha.
o.cr:ount number. or ot\'ler'e~dlt o'~liCot!: withlhe alJiho~ticn to
obtalr. crerJit 011 N.ur a~ount. ~ou tt'ltly b~ ll'a~\e lor till rransac.
Uons IT.adll: by that person, includm~ tn:lTl~ctiQp.s rQf whkh')lOU
mtly l1<;,lt lill-Ia mt@nd~ lO be liable. even It "the amc;l~"t of tno:;ro
tid~OnlO QU'e?your, aed).t lL"l1lt to be exceeded. A\.1;hortzed
tl~n: o~ thIS ::l.tcOunt may htlvt the s:lme :!o:ess '1;0 ll1rQrmation
about ,he aQ:l;junt and .l~ u~r~~the: ;&c::oun~ holders.
How 'Vnu Mall Stor PaYlJIent 011 all
Access cli.~cf!
YOtI Tnll;' request 1I stop paymem em an access cl1~d by PtC>-
'v1d1~!.IS with thll QO:~ checl:.lIl,1rT100r. dolle.r $l'L\ounr, and
P'lyee exactly ali ttlli)" ~p~r (In toe ac;QeS9 o;h'fld;. 0:';11 .nd
written &tcp p~ymEln.'t IOql.l.estS on an a~BS check ~te etf~Q;jyE'
for slx mQnths.Ir9m 1ho oOj"that "'e pj.~ tho .,Op pajlTlont.
XOU MOl!l.Not Postd/l.te M Acces~ CIiWi
You may not Issue a postdl!lted 1c:<;eSS dleck em yoUr
81XOUnt. 1f you dQ postdate i!:n ~a::e$S chec~, we mtly elea to
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1'1()l\ot It IJp~m p~esentm~nt tiT .ret\lm it unp~irJ to,the~..rson
who prl!Sen~ed U to uS fl:'tr paymenl, wil:ho\lt.ln c:i\hlr~se.
';l.o~itiilt tQ,(, tl\e rJit~ :s11QVJn or. th~ iCC;e,S:5 ~he.ck. We are- not
li~b\e to yO'.J iar any 10;)5 or ~xpe:l,e Incurred b.v 'YOU &1\5{ng
Ql,lt gr tile. ;1~lon 'We: elect to take.
YOUI' PrOl1lf!;e tq 'Pay
VQI,J ;)[om;~e to pay \1$ the. amQ\.ul~~ of e.ll ,fQdtr you
Obtain. whio;ll inc;llJdes an 'P\l~ch:3sl!S ol/I!'I,d cash AQVdJ')~S:,
YQU s.lso proJ.misc tC'P!J.>"~:;; ;,:~,:~,~ .;:.mOI,1f\~<; c~ t::;o:~~1
charf;l:.'S, l.ees, anli ::lIW other transactions we .;harM li'8ainst
y01,l':' a~o~nt.
Pallntents on Your AGCoultt
.. Yuu must pay e<1e'h roQnth it 1ei!St the TotiSl Ml.tIlrtlUm
Pa.yment OlJe sh().....n on )lour monthl)' :,t.Qtement bryour
Pe.1lt'1e:lt Due Dat(~. YO\! may p~y the Qn~ire emOl.l1'lt )lOU OWl;
us at ~'1Y ~Im~. Pilytn~t:5 milde (0 imy l;iil1ing.t'fcle ~n~t.au
Gl'e~ter th.'!ll't th~ IOwl MinImum P'a'il7llilnt O~e wi:U r'l9l- ~lIecr
your obl~~t1on to m;;'K'Q ttle [\'IJxt 1'otal Minjm,um Piym'Qtlt
'tlVIlI. If-YO\! (Ivq:rpay or if lMre i:> i1 o;:rt:dit balilnca 01'1 your'
ac:::eo\ltl\' we w11l nQt ~ay lnt!;!rtst on such amounts. \\Jewm
rq:Jea paYli1lOl'lltsthat .ere net dr;w1l.ln U.5, doll:!.nl and ~
dr;wn on flnandtot In,tltutjOns lQa!:f.~ l)U~ld(l ~ Unhed
Sun~s, P~yment of your rot::tl Minimum F'a~l;n~ Due mr!Y
not avoid rht ~s!Sessmel"lt of Ov~rHrnlt r~~;;;:,
W/ien Yllur Payment WiIl.Be Credited
14 Your Auou-Itt
W~ credit pbymeni~ Ole. cf the date rece.ived, If th13 p3ymefR
IS \ IJ rec.eI'Jed by j p.m. jEastoem 'rime)) iJ} ret:t:ned atthe
~ddresti ~hOWIl in th~ l.Lpptr 1~lt.hQ~d ~mer o(th~ 1ront (If
yot.!! monthly ~[atement; t3:) pal-d with ~ check dtawn lfl U.S.
dollars on e \,1,S. fil1:m~ial jn\ltltoo.Ol'l ". a u.S. doHiiir mo~
ordet: ~nd l4) sent In t'l'lfil ~WTn ~1'111elope'With only. chI::' loop
perttOI'l OrYO\l~ statement :2t::com~;"yin'6 it, I>cl.ymentz
n:~iv~d ~It-e.r 2 ~.m.'<m any dily.lndud\rv~ the ~yrrrent Due:
DB\!;, but th.\i~ otherNl$e' mrt-ct tile abQn: rt.1i\.J\remeni:s. will bll
cn:dlted :as of the next d~y_ CI~dit fc~ ~1 other P9ytf'le:O~
may be t1elayad up to fil,>f;! tl",ys,
!:!.!>.It We Allocate Your Paylnents .
w~ \IIi!! ~\lOCll.t~ "J'our]:'eY'=l'le:l\'CS tn nie m<lnner we d~ter-
rothe. 'n most ifiSUH"lCes. we wj.l\ :!.1\OC!tC your pa;lttret"lt~ to
beliO~~ tl.ne.h.Jdl'ne, 1'I~\lJ nan.5a<'ttOi\Sl wlih lower APRG ~[O~
bi!lance:s with h\{ll1li:r ~R~. 1'his will re.:::ult In new bata'OO!S
with lowe:r APRs 1!>\lth as those w.tl1 ~tomc1:10nl!ll A.?R. oUers)'
belnia, 'Paid befIJfOl: any Qther eldstin~ b3hmces.
Promise w Pay Applies to All PerSl11lS .
All :fXIT:OI'I$ whQ IlliUi'l1l1 or $l,JbsequElf\t1y r~qt.Jest, ~~:ot;
~:,}~m~lII. QT LISe: theao;XI1.1(1t are lndivlau8U-y and tcetthtr
responsible for -a1l}' total o\lt$~.ndine bal.rlce. We l'ttayref~
to r&lc:.tSt rrom 1l.;ll1:;.ility any pe~1:)ft who is resgQlliibh: to pay
Ol\Y to,,1 .utSUlndlll\1 bal..",. until ,11 of tM cords. sccess
..::1\Iidc.S, ~nd Qt,he:r credit dC\li~ outstandl\'ll. under the
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~ a>;<::Ql,H'lt j,,,,vt'! b~t:n fetlltMc:l to us and ~ny ':Iu<::h j:l~Qn Q~
t p.er.$OM repays us lho:: ~Qtal out:S\~l"Id\l"l~ b~lance owed 10 U~
~ Qt Qtr( lim~ under lhe t<2ftns of thi$ A&fe<:rnl!:l'1t
: Default . .
t YO\lwil! ~ in (IlOie.\.Itlof thlsAgmmlrnt If: '11 you t~\lto
. ml!lk.~ n!'\Y required Tocal t.\illlmUm Payment Pue by lt~
Payment Dl,.\~ ~~ei (2) your totsl ol,1~andlnt: baJan~
~',>;,l;;:~Qj your <j~li \i.mlt: or t3l )'QU [oil to :Jblde by an1 other
ie-rr?j er t;,L~ Ae1eemo:n.c, $O'L~i:r ior tM pu';po~s or deteorm.in..
! In.g eHe.ibilinr ~md pfi:l.milJm paymem oollS:Jtiol'lQ for 'the
~ Co:IPtionQI t:red.lt INl,;-rancc plJrchu~d tht"01J~h MeNA. yol.l will
'I be ~r;:....rTl'ed in default or tl:elillqlJeflt j!you fa1f to rnakeil iiI pay-
l":I.I~.nl within 90 <i0l~ of your ~ymtJ'lt D\le Oate. O\,lt (aUl.Irt
! ~Q Iij~~in olIny of our fights: whl!!n you de:fa\1lt does, not mKan
f that we aroe unablo to ex.uci51!l"tho:e l'ilahts..upon,latc:rmfault.
i Wnen We Mll~ Require blU>le<iia.te paynie/lt
1 1f YOll an: III default. we ean require: i;l'\l1''II;!drate: payment
~ of -YO\lr to~1 eutstandln~ bata,nc::& al\d. unl~:1S plohlbll~Q bY
'} Bpp1iccble'\a",. ~\'Id ex.<<:rJt as: Othe.rwl511 p1'Q\I}decl under 'the
4 ^mlrati41t alUt U'ig;rliol\ SE;!t;tlOn of 'this l\,.~el'\t, wt ean
II. III~o :.equlre yOIJ to roay the CQ,.b we il'l:.~tJr In any coUr:teion
~ proceed:iTlil, a~ 'oVell as teo~o'lll,b\~ .attorney~ tc~ if ?J~ refet
.. your aCl;:OlJr.t tor collection to ~n n~~Qrl':lt:y wl'\o 1:; not our
~ ~~larleQ ernploy<.'(:. .
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~ Ct/ier P"~ll!ellt Terms
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~ WI; can .a::Cl!pt l~tQ ~ym~t\t'S, pan:!(ll ppYmqflt~. or pa~mems
~ wIth o!J.ny T~U'la'\"e wrlting without losine My of'our tje'ht;.
: ul'tde:r thi~ }o.greemeh.L. 1'':\1$ rnttll'lS that no pa)'mmt. lrlC:ludlllg
I thl;ll;l:! ft\,,~k~d 'WIitl'l ~P~\d In MI~ IJ! with any other r-es:trictiVi'.!
words, sha.1\ Q~r:;Jte :n an ,:"cCOTd ~od satisf~~tiOl"l wJtho\Jt tM
J 'Pl'l~rwritten Olpprovill of omiCl~ tlursenlor offIcers,. y~ m:&Y.
I. m.: 'tJ:=1O:! =: postdilted. cheti. 'to rnahl a p:.;.'rtu~:m.. U you do
I postdate i1 -P';;l'rnen1; check. we mli!lY elect l~ honQrit upon
I; prt:Sef'l~m~nt I:Ir tl!:turn It.unaedjt~ to the ~lScn w:...o presented
. it. ......!th'OUl, In either case. WQitine; Ie:" Ulf..l;1at~ shown o~, tl\~
I: <:hE!.ck. Wa il.t'C. not liable: to ~ou for an)' lQS:O or el\:.p~nse
r: jnJ:ur~d by you al1sine out or the action we elJ;<;t to t;:lb~,
r
I; Paymellt Holidll~s
I: W.e rnJ!j' ~ilow you. flOm til'T\li! to tim~, tQ orr,lt :. monthly .
It p.s1n'\(~m:. We wm Ac;ftirii'o\.l wnl;!t\ thie; optlQf\ ie: a.....i1v.blt::. If
i:YQU omit il p~yn"tel\,. nl\8n~ t:har~fS and :<otly appli-cable tees
!: willlH:~\le 01\ yO\.Ir ~,cQ\Olnt in ~cr;QrdaL'lcewlth th~
~:\ Agreement, You mustr~utr>e roa1l:!ne:l'QurT~t11Mlnlrnum
~j Pe.yme-r1t Due ea<:h month followlng.a ~yment nolld;y.
Ii Transactiolls Made in J:'or~.igll CI1;',.ellt!el
i ~ If you rl'IBKe a tnm~tion in '" fottien currency. th.t. tr~~l:ti'011
i ~ will !:Ie conv~rttd by Visa lnt~m~tiotla\ or Ma.ste\'Cerd.
illJltetl'latfonal. *pe;nr;lit'll: ~'i'\ whlci) ca:l'd yCIl,i uso,totO aU,S.
II dollllr omO\JM In o=Ida.", with lho operatina I<a"l>ti."" or
1; conversicl"l pro~E:dures in ettea a1 thQ time tha~ the transa~on
!i I:!. PltlCl:~ed, Cunencly, tnose ~Jatlol'lS and lJtO:!!dures
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t'lI-.I'. 1 _..,....~.iI.. . ........ ,'M ,~~"
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p.oOvide th:,;t th~ omcncy ~nverslon fi]te to be used is eitner
tl12 whol~s31e market ~t~ Qr l2.);3 govemmepHiI.:u'ICate;d
1<lta in t!f.ect vn~ d:jlY prior tQ the ~rtX:~sin.e date. \Tlae.J$ed
b~ one p~nt i/'l each r;:a$~. Vi$q or M.St~Cal'd rettins thlS
one ~'O:l'C!!'nt as compen,atIon for performiTltt tho:!: amenc:y
<:Ol"\verslQn service. The I::lw'ent'J tonversion ~te 1n ~ffec:t t:J:'l
the prooessin~ d~~e n-.:.y dm~r fr<Jm the nste In effect on the
tn;:ns...c:tlon d<lte or the po};ting dOlte.
Billing Cycle
YOuf bllline: cydc ends e2:lCh month on. a closing O.El~e
d.etermined b)' u:!.. E.&ch bll1in.e: <:YOii oosin$ on the d~ rilier
the CIO$;ni Ca.e ot the OT2V\OIlS blUing ~e, Eocl\ ~ernenl
ret1ec..'t."l e sinsle blllioliQ'C\e.
AWlllnt Fees itnd Cflllrgf/5
.Ao:<J1.Int f'c~: The loIlOWLI'\g f~e:5. whl~ dre s~t (o[th ill ypur
Reql,llted. ~de~'n\sdos\lnr.o (II InltlGll3l\scl05Urol!. a.rc d1tit1~d
t1~ pUrc::ha~ in the bl11i1'le, e,rde In whlcn'tht ree$ !ttrUe
(I) a l,~(e Fee il lIle TQlal Minimum Paymelrt 0.. :mown 01\
your m(.Jntnly s:tatemet'1l is not N:1;::\ve<l, by us Qt'l Qf "e:rQ~ its
PiiYrnent Ou~ Cate, .
t2j em ~rtimit ~ee Ie your New ~l~M41lOt-al e)l:CEled5your
aedit JjfT1i~ on th~ t3St day o-fa billitlR -cyQc;!, t!Ven If fees 'Of
fin~nc:~ Ch.;lTR~$ t;har;c:-d. by Ult! G<lU5Oa YQUi" N9W B:lI~nct To"tal
to €JI'.ce~d yul.lr c.r.edit limit: ~n Overlimit Fe:e 1$ ~h~rr,ed to yew
.:lcCOllM ~~ of the da,,'-' ll'J th~ OIl\lnB ~Qe that tn~ tt>ul out-
!itam;lirlg balihce en yo\,lr~(;c:cunt e~.::eed$}'Cu.r crE!dit limit;
t3)a ~tlJmt:d payft\e~l Fee: if a p!yml!:nt \Qn YQvr .a~uflt is
r<:turn.::d tor insuiw:;:hmt: f1.lrrd, or fer Cit"ly oth~rrMSo~, e'i~n i.f
It Is p~id UpO(I ~'I,l~tq\lent 'Pre.'St:I1t:!'nen:: .
14) ~ Retumw C..:>hAd'llanc:eCheck fu lfw~ re:tLlrn;n.;t~
ct10eck unp~Jd for fin)' TQ~~on. evetllf the al:;cesii r;::hQci:.~s paid
tJpoJ\ s1Jb$etl!,J~\ I=H~tr:lunem; .'
l~\ ~ Copy f~!! for e(;lch t:D\:!y of a frlontl1\;t ~co.teme.11t i;)r ~I~
dr;l:~. bl,o=.pt tna'( the"$j.x mo:-:t tecent monthly S~iltcmt=nt~ ~[1d
Sl~ salt:; dr.lfts will be proV'lde~ for ir'<:/Olj e.,nd
[fl} ~J"l AnnT,l~t ~ !.lyolJr a~um Is OpBIl Q( Uyou m.1nc.ln
i1n accouN b:;:lan/;g, whlitth4! you haY!! acrl'lfe i;hal1)in~ ~l'\'1I-
ltges or no'\,
A.bendon-ed-PJ'opettt Cl'liilq:.:e.S.~ Ul1le~s prohil:lictd lit
epplicabl~ I,,-w. we will charS"'! yQl,U l)t:eaunt. ~ -'il Purcha~e.
for any cos~ jnt:;Ufred by us a5soti~t1ad with t:l'>mpl}lillt. with
$t;J;lte BbElndcMd~.Dro~'I'tY la~"S.
?lease J'(Ivi~'YOu~ Required F~d-e@l oi:!;elC1SUret;; I;;l. lqlL~
OISt;losUIG [or ad.dltlonal ~;!~ and. thatges that may ll'PPly to
~o~r ar:r:ount.
BeIlCfits .
WfJ mill)' oHer you (;erWll benl!tflt:5 and se~ ~tt" :tout'
;t:~U"L unless Q);p~ly,madea PCI'J: of this Aereen'lf:lnt. a~
$t1d1 ben~t~ or scrvll;es ~rQ. RQt a -part of thiS A.e:rel!IJ\en[ but
a", ~ubiect to the terms il\Q te!Sttlc:tlons Ql.tl:1if1~ to lhe bcM6tJ
brQ(;nufe !Ind otl'lel' offldal documcn~ I>rqv\d~ 1:0 you froHl
time 'to 'drnc." by or on behalf of MBN'A Amt';i1:tl~ Wt m<ry
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sdJ 1JQt. i:l.dd, lOr c1cle\~ ~nQflu: :;nd servll;:~ ;It ~ny time- and
wlthOl"H no~lce 1;0 you.
Refusal to HOl1OrYollt A~ullt
'We ana tlo;;lt t~b\e (or any reN5i11 to bonor your a~unl
This ca.; jndud~ a r~uS81 to honor your <;art! or .!II~ut'~ tn~:n1:w:r
or any chcX:k. 'Wl'lrt:e:n. on yaur aCCOl.:n~ We ate no'!: IlJ,ble far
~nyr{!tenUon ofy<tl,u card by u::;, ;,....jotner bank.. or aflY
provideJ of eoods or !f:~rvic...~.
W~ Mag Slt~l'eii':: or Close VOIU' ACwlmt
Wt may sU~T1d or close. your atml:lIlt or otherNiset\"m1.iMte
your right to Ilee 101J( ~c:eo.u.I\l:, .We may do this at iinyume
oiInd for u('l.j' J"'veS:;.n., '{OUT ohli'SOtion!S IJnQer th I:; AGreement
<:ontlnue ~el\ eftcr we h~ve done this, YOlJ ml,l$t dGSttOy 811
cares. a~e:ES cheW. anp'ClU\~'~dlt'de.....iCtS on the attOunt
wh!!l'I we r,quoe$l; that)'ou -do 5-0.
YOll May Close 'io~r A~count
You mOlY do~ your :'~out\t by notlfyint; ul"ln writing or by
~e\ephonl!...nd dtsCrOl'lna :lill &;::IrQ;, ;I(C:e.$$ r;;hc~. ;md othtr
cradlt d:evlg3. on the eclXlunt;. Y'Ol,Jl' QbliR~T;lons \lnder ~hiS
,M,t"e~lTIl!n'. ~nti.I'II1'l; eVEn ift~ryQ.t,1 h~ dQrn:! r;hi",
TranStlEtfollS ^.fter Your ACcount Ir dnS€d...
Wh~n }'our "~lJnt j!;jo "IQ:iic:.d. 'iOU mr.:st CQnt<:ld: ~n;,onl:
;,!;l.lfnClr)"ed tQ chaT!?;c tl~nMctlOT\S tOYOU!i)e.~OlJnt. $"Uches
internet seMc:epr0\11ders~1l@jtb.dl\bS. or ll"ls\.),r~~ COM.p6.r
nire. "'h!!.S~ T.rqnSflctiQt\~ I'I'I.:!I;!! l;ol'\tio',l\:; to be elo,,::u~ed to Y(::JUf
ij~!i.t;lIJDt untll ~'J. &.ane.Ertne bitlin{:. .Also, it.we believe YOl.1.
h~",€ authorire\! a tJ':3;C1S8ctfOn or.ate attempting to l.lSt Y01lr
iCCOlJnt a~tr yc-u Mv~ r~ue;:ted to .close Ule aCCGunl, we
l'tl:!y ::;1101.' the tronsBcHOn ~C> b:'! ch;.rg,cd to y(lur a~\lnt.
We Mal! Amemf Tliis Aqreelllent
w(: rM,/ amend thi~ Ailree.ment at any H:'ne. Vie ma1
em!:r'td it byaddini. deliO!line. Qf ~h"-\;.iMl prQ'Vl$iQns Df .thl~
Agr~n'l'2nt. Wnl:l1 V\;'t BIT,eT'ld tlil~ ~eernC::llt, VIe will l:omply
\\lith file appli(:tl,ble nOTke requircm::nt:$ 01 ted~rnl and
Delaware: h:w tn~t iU~ in e:fle-d:.at'th<it tim~. If Mi artrenom;:l1t
.et~, "'lOll 'the cp\=iOrtunliy to rti6ct the ~h~€:e., l:lnd iiyou
tel&'( th~ ~haTlIJ~ 11\ th~ m~nn-er provided in sucll amertdrnt;c'lt.
'Wfj may t~rm\nate 'JO\Jf rieht tCl r.c:cclvtt credit ~nd rt'l~y"1. you
tore.t\lrn all qeljit dcvicca ~ a o:mditiQn C;I{ye.urre:ietti~m,
The .m6ndCld hg,:reemem (l1'\<:\lJeli1".~ ,:l.t"ly h\Q:h~H.<:It.C or othtr
hls.her ,=hare:~s aT feeE'.j wlll.aPpll' to che- tQti:l\ oiJ.l'Studlllg
balil1ce. indud.ln.gtlh2 hal.tihCe V1.iGting 'before t~~ arnll:ndment
bec:3mt! dCectlVc, Wli3 rTlOJY ~::>lare YQoUT o;;;.rli with "dnottl.er
tar{\ at ~p.y lil''llI:,
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We ma-y a1 ;jpytime.. an.Q Wlthot.It no-tlce: to you. $el\, assiGn
Qr tn:msfet }rQl,:J' ;a~lJilt. My :rums d\le on yeur SCCDunt. thii
l\ef€etnent. orcurr\ihtS or cbllgatlons unc;l~~"T aCC;:Ol.lnl Qr
tnl, Aireement to .:any person Qr eMity, The p::rscn QJ' ~tity
Lo whom we milkf at'l)' such $alq. D~~tr:n IT'lent QI tnlnSfer 'Snail
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'o>? 1;:1'\\\11<<1 Hl all of our rt~t5 ~ndlQr obti~~tion~ 1J1'I('jerth~
Ag.r~rrent ~o tM extent !i:o\d. as~:en~d Of tt!)"l\slerred.
Your Credit Limit
Your oedillirnit i~ disdOstd to'yOU when ~QU nccive:'yout"
e:ard e.nd.l&e.nerallv. 1:)1'1 t'.lll:h monthly mt.c'rTl'~t. We l'r.:l.y
t:\'lan,c )'our cre-oit limir Ir~rn nmt; to tim~.
Thq amount ~~ ~T\ your monthly I':itlltemenl dj; Cash 01
C~eDlt A~~M~le c1oes. not taklii i:'\tc eCtount any P\)rehns2;s~
Ciilsn Ad\l8n~tS. nnllr.~ ch~!e.":~, fltfA.: .m~ i.Jl:her ,'tTan.$~C;IQf\.l:l.
or tl'l!d\l:5 that pott to your accc\,m' llflt.1 tl't~<::losil'tG'Dale 01
t.hilt mOlithly I5Ullement. S\lch tran$21GIOl'Is CDuld re~t1tt jl'l
yQur c;r!::dlll1mit bein~ e.x:c.eod(:d and tesult kc the MsessmQI1\
of OvI::r11rnlt t€QS:,
What We May 041 ifYau.AtteJJtpt to
Eueed Your Credit Limit
1"'he: lO~l\ olJtSltsndlne ~Ia!,.t;:a ~ ~Clm aCCO\au: plUl;
iluthQ~I~atian~ at llny tll'f'le rnu,.~ not be morethall your ~u
Iimh. If YDU a.ttempt a tfsnw:tloT1 that 1'tSulU i.n your ~
l;IlI~l,.;.ndiJll,,; balance \p\\lS atJthori~tit;:lr'l:;l eltl:8cd\ne ~ur
cre:lit limit, we may UI permit &.~ trenoC'tiCnt ~thQu:t r.lI:l!lng
YOUT cf~d;t \imi~ {2) Pt:rmil the cm~C:tlol\ end 'm:3~ th~
attlownt ot th~ irs.\l~ll.~()[\ 'tM~t ~5 mo;t:. than tl'\e credit limit
0' lrnmeci<ltely dut; or (3J rtfl)se to J:'ennrt ths tr.I.Mtlrtlon.
II we refl,ls€'1Cl "Pet:TIit th~ tr';)M;:lction. we m:;wadvi:;e lh\!:
p€(':;ol"\ who aue-mpl:ed 'tM mn5:;lc~lQl'\ th::i.t It hi!! ~n refu9;d.
If we refu;.~ ~o p!!:sJ'tlit a Cbel;;k Cash MVan<;E! O~ 'a.:;l13rl~
ir~l\sfqr. we l1\il.)'.o:o !:6bYildvjt5i~ ~f,e Den;,Qfl pteSe1\ttf'lethe.
Ch~ Ca;.h Advance o.r a,;)lanc:e 't'mn$fer thata.dJt hZl5bee:'l
r~h,lS';!d. th,e.\ thl!:t~ are \nsfluidetlt ~\ll'lds to l)3y the Checl c~~h
AcM:ltlee or Balance Trans!~r, or in any I.Jthe1 'm~nnt.:r.
If ~"C ll~ve previou:;ty permltt.ed you to $eeed )'Ol,lr ~u
Iiml( it doe!!; Mt me-in that we \\Il1l pe:rmlt YOlJ to exceed ~ur
<:/t;:dit llfl\lt a~\n. It 'Nt!! decllje tfJ 'P'i'm-.it you to ext~d Yl:lUr
cred.\l:. lil11it. \I,'~ rn-ay ~~tB~ an OVe.rllmh F~!;' 0'$ pfQVI::l~ in
'ihl~ ~r~ement.
U nautl10rizell Use pf.y()J.l.r Card
Ple~e notiry us immediatelyof the lo~:;.thtn. ~r ~ossib\e
unlatltbcrl~e4l,lse- of your ~~1,l1'\~ .at 1.6()Q-44 \-&017.
You Ml.($t Notlfy Us Wnell YOII Clian/je
YOllf Address
Wr:: s~ri~ ~ ~.eE'!p ..~"o:ural.e rer::ordS" 1Q1 your'b~r\!dl.t "r'ld
curs. l~e post o(((ce- ano others may notify us or a c:n.af\(;e t()
'YOur address. W1't';:(1 '/Q'.) l;n.al1ge.l'Ol,1f ~ddress,"yO\! mus.t notify
us promptly of '1O\lr new address.
wF1I1I lAw A/J/lTieS
11I1s. Agn:\1men.t is mlldt 11'1 Otf.w,re.. and ~ exWI'Id. meltt
to you from I)e.l.aw.re. TMs .l$e:tme:nt is ~ovemeCl boy UMI
lalJl'l of the: Sen.e. 'Qt OelDwa.~e Iwt'd\Qut r~e to ItS ~nfUct of
IU1N\i 'Pri1\(lpl~) !lnd by any ;:r,pj::IliOlble fe.d-crQII::lM.
10
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'Tf,.e PrDvlsic/l~ of TfIls Agreement 'ATe
;Sel1era6le
1f.~n';provi5i(ln OfthiS-AertttnEt'lt i: jound to b~ tnv~lki.
;the rernalrJne pl'O"lsions will c.ontirttle to be: tlfective,
:Oar Rlq/1ts Continue
i Ourtllih.ne: 01' d~lay in txe.rCI3In;; ia'fl'lOJ' our n.e:r.t$- uRGer
hh\a A~tet:me:M does not rne-<1f1 tnai; '\lie ar~ ul\able to 1i!;t;l!-rOs:e
:~~, ~ ';i7.:-ri.:,~~:: ~~~r:::-.. _.
:Ar/iitratiD/l and l.itigaUfll1
This A1bltratlOJ1 ~nd Utlg:a.tion prevision lo~..~p!il!:S ttl you.
lUl,I." you ".'" gl>en ,h. opportu~lrj <0 relocllh. Arbimtioo
land: r.ttliatl()n provisions. and yo... did gO reject U\l::ft'I. in the
L \m.nner ~nd t1mefF1rTU! t~quifed. If yau d'lCl ~1-ec1 dfe<:&:ely
i l-':':ucl\:l. provl;lof\. yt:IU OItl'l;ed that ~ny liti""ticm bre.u.e,.'tt'b:!i you
i \a~if\St us r~E.;ltdm~thiS' a~cUh~ or this AGreem~r.t soall be,
t lbrought In Iil oourt loo:.teQ in t:ht State; cirOe13'\N~ra..
! MY c;\aim cr di4pUl:fll"Ctaim1 by el~er you. or 1,.IS ai3inst
~the other. or i:!ttlll"t$t [ht ern~lo:iee~, a,im\t$.. Dr as;sl-ens of th~
! 'o,her, .r.i_inti!rom "".:.tlnti In onl""1 ,. ,M. Agree",." or
l ,Ql1)' pn.Of AgTeemom.t ot")IOUt :).ocount (wh-ethc:r I,mder j1 ,
! lS'tatute, In t::mttila.. tqn, or cth"i::t'Wlst and wl1~hu for iT'c!",o::y
rdamages. pantl.ldts. ordedaratory or eeal.lit:.hr~ rc:liefl. indud...
i ;ln~ C.1~1'ltl~ re.gardlng: the applicibUi.ry Oflhis Arblltation and
i 'L\d~atIQn ;;ccl~on 0; the vall~it'y of the: f:ntlr~ A~I11~"It Ot
. jalq' pnor ^rl(:emcnt, :s.h~1! be rt~oln:d by bindih~ Brbitration.
I ~ -'The iHbirratiQn shan be Co::ld\1ct';d 'Qy l.'h" NQtionat
. :Arbj~fa.tiOI) f",t'l,1m ("J~AF'llln.der ~~ code. Of prcc::ed.ure kl
I Jeff-e.~ 6tthe tlm~ th1il ClOiIlm I~ lIIed. ~lJies al1d forms ~f tA'e
iNationa.l Arb'iu:~'OOI'1 F~rurn MtilY ~ obtal"ed .;no claims may
, ',b.I)I...t "1 ".tlon.1 Arbi(r.Uo" ,oro", of,o:., """',""'
l ~fbrtull.eo:rn. Of ?.O. 8OlC'0191, fJIl1\n~pOUs. Mlnne:sou 5'40'5.
, ~l:leph~rlfJ l-~OO.04"4-l'j'H. lfthl:! NAP'is- Ul'1<;1bkl or unwilUn.e
f ito ~~t a=; ltrbltnnor, wr: l1l.ay :$tibstltutJ!' another flii:!Uol'l~lly
I, itl'.:cognl:tad. !t\depende:r.t Clwit:r;.tiM cre;:!!Iiutlon that\l~es a
l~il'Tl.il:lr co(ll! of plOCedure. At your \.Yri1t~n ttquest \lie '.ViH
I ji;lclv~n(,e any .;arb\tr~tlon fHine ke, Qr aclrnin:s~r~ti...c: tmd htarln~
fu~~ thlft YOll a..'I'(t !tquictd to p~ to ~r,1,I~ l! Clal.rn It'! arbitrltiQil.
l ;Th~:!rbitrBIQr will decldewllQwHl b~ l,Iltim:;\~~ly respOl'\5lbk
{ 'for pOying (hQ~"!!. ree.~. U1 no ~"'el\1 \'Jill YQIJ be. r~qulred tQ
i :~imbu rse ~ fer .l.I\Y' ::ar~itntiCln fiUJ1l6, admil1 i~tJ'ati'l.e or I\e.ar~
f :j"ne, fe-l:~ 1n Ilr. a rnoun~ groeatt:t than 'Whal ~ur CO\lH ,;o6b:
:' -would have been \f lhtl Cl~lm b;o Oi:en ril!!:S:o\"~ In a stat~
1 ':~urt WIth ~urls'.t\Cl.tot\. IV'rf it'oltrat\QIl hea.ritli, at whie;h you
\ ;a'P~r will t~ke ~laet \IlLth~n tM: rooe.\'OIil!Uc11-d;;.! dis.crlC': that
! pnduQes. )lOur bIlling: eddr-e55 at;\ng t:Imq the clmm is filed.
l'i'i'.is arbitratIOn. :!greemel\t \s made pursusnt to 9 tra(l'S;l~i.o!\
~ ;In....olv]l1g 11'1b::l':;t:l.te rommer~. and shall be tm'ernerJ by ttJe
, ,rod.".! AlbllraU01I At:!... 9 V,S.C:,?i 1.16 (",M'I, Iud""",",
l, llJpon a1'ry'~bit';ltionawara mny beenterem in 0:1\)' ~rthiilv-
iine lr.lri$Cljc:uon, The arbltrator shall rallow e::4istine lub$ttln.
i Idvl! Ia.w to th. ~t~t ccl1ai~ent with thQ FMan4a~pncahle
t :st~t\1tes of limlttti<Jl'l~ llllc:l $hd hOl\or lIny ~lliltms Qr ~rlvi1q~
!
locoenioe<l b'/ \.", II 001 p.rt)' requests. tho ","'lfotor ,holl
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\lime an opinIQn,~l'Itl!llning tM: IeaSOl\~ for the award,
No Claim submitted to arbitt~\lon l!; 'heard b'; e I\lry. a.nd.
no C\D\rn ~y be b~o\lgh.ta! a class .e.ct.\on ot M. a plivatfJ
attorney ~'nl:ral, VOl,,! do ~t na'l(~ th.~ fight to act as e. tl~:lS
lepre~er\'iative or partid'pate illi ;;! rnambC:r-o! a cl~ of
clQimtlrr~ witn re5Dett to any <:tt!Im., '1hi~ Arbltrat!.ol\ and
L.itl~atlon stction app1i~ to all C\ajrn~ nQw i:n exlst~r.= Qr
that may ~fi!:C.11'l thl!: rUtur~.
thIs ArbtrrotiQn (l.r.d L1t\e~t'en .s~ctio!'l ,:snail ~lJrvi\'e-tnt:
to:>fmi':lItlT.\O,", ('If ')O1.\!, ~c;co'~rrt ..,.,1'.1:': I..L~ g w(:1I ~s .<Iii]' 1Ii:'>1'lr'lt~!}'
~ymp.l1t tlr \he d~bt il'l full by )'ou. eny b~nkT\.rptcy by YO'tJ.. er
'5~la 01 tr.e debt by l,lS,
FQr the purposes or th~ ArbitJiltion ~"d \..ltil3iJtiQn ~~\on..
.....e.. .tll'od ~U$. mQ:;J~ MBNA.Amer~(2 f5ank.. N.A.lts t)luent.
s\,lQsidianes, offlliates, li~'lWc.s, 'Ptedt:ttSSQf:;', IOUCCeaatJts,
aEalg.ns, C\nd allY PUfch:l.;lQr of )'OUr at:t.'Olmt. :and all of IhtiJ
offl<;ets, dire<:.tQf$, If.:mp1C1)'i'9s. =:~ent.;.lul!::! ;;~~Qn!Z.or lU\y~ltd
:l.l! or them. ^d.diti.on~ny. "We~ or "uS' 5hOil1 mean any th\t~
p.uty ~rovidlng. 'beneflta. servlce$. or p~uas in tQnr.l1r:tiOI'
with 'thQ iiIl:CQunt t1ncluclln.c. bui IlOll1mlted 'to c:re.dil bureaus.
m~rd\a'tlts. that iac:Q3pt ~ny c.~dtt de\'1eQ Issued Ul'\del t~
aC~UT\t. rew,uds or eT\TQUment Rl'Vlce5.l;Tedit inzut.l\ce
eomp~1l11\:,. debt cal~ors, 2lnd~l\ of tl-leir Qfkl:ltf$, diTe(tOr-s,
emploYtt~ .and 31lfj:n'Qi} II, llnd only if. such.a third party ~
nan'l~d by you as: a codd(:r,dar'lt l1'l. en:! Cli'lirn YOU assert
ii~aim,~ IJ~.
If imy p:nt of (hi~ ^rtl\U.:adOT1 and Uti;:,s,tIQn sfOKtl~~.:
fotJl\d to be lnval\d or uMilfcreeal:ile under ~ny lilW or ~tMtlte
~nijl~lll'l.t with [1'10::: FM. the [~mainclcI o{:tMs. Arhi~tiQl"1.r:II"'d'
l.lfISB.tlCn S<:!:C.ttOil ~h~ll b~ enfotLeable W\tfU;Jllt (C:fJ:eno to ~uch
Invlalidity or I,Inel\fclf(:c~ab\l\t:l,
1'H~ fl..sul;r OF1'HlS AUm>A"CN ACR~!;ME~"'t IS
THAT. e:xCEFT ffi l'llOVlO EO ABOVE, Cl..I\lMS <;mNm BEe
I.IT1CATED IN COURT. )\'lCLUDING SOME CLAIMS Tl\/"T
tOUL.O HAVE aO:EN TRIEO lli:Fo~. A JURY, M CLJoSS
",C'MNS, OR AS PI\lY.~TE ATIO"'NE~ GEN"""'- hctlCrlS,
12
"."'\ri:lI'
MG'N^p.Jnerlca~ \$ ~ fed.~rally l'~e\$:tef~d servle.e mark ot
MBf'JA AlTl<trica ~nJc, N..A.
l,1 200 I MBllA Am.ri<:a ll.n~. N.A.
NEA90 (Revised 4/2001)
,
EXHIBIT "B"
III
NATIONAL
ARBITRATION
FORUM ~
MBNA America Bank, N.A.
c/o Wolpoff & Abramson, L.L.P.
Attorneys in the Practice of Debt Collection
702 King Farm Blvd, Two Irvington Centre
Rockville, MD 20850-5775
CLAIMANT(s), AWARD
RE: MBNA America Bank, N.A. v Scott J Moser
File Number: FA0308000186219
Claimant File Number: 4313016749015186
Scott J Moser
1718 English Dr
MECHANICSBURG, P A 170555645
RESPONDENT(s).
The undersigned Arbitrator in this case FINDS:
1. That no known conflict of interest exists.
2. That on or before 08/14/2003 the Parties entered into an agreement providing that this matter shall be
resolved through binding arbitration in accordance with the Forum Code of Procedure.
3. That the Claimant has filed a claim with the Forum and served it on the Respondent in accordance with Rule 6.
4. That the matter has proceeded in accord with the applicable Forum Code of Procedure.
5. The Parties have had the opportunity to present all evidence and information to the Arbitrator.
6. That the Arbitrator has reviewed all evidence and information submitted in this case.
7. That the information and evidence submitted supports the issuance ofan Award as stated.
Therefore, the Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount of $5,996.48.
i
Arbitrator
ACKNOWLEDGEMENT AND CERTIFICATE
OF SERVICE
This Award was duly entered and the Forum hereby
certifies that a copy of this Award was sent by first
class mail postage prepaid to the parties at the above
referenced addresses on this date.
Entered in the State of Pennsylvania
Date: 12/31/2003
~ ~ 1i1- .IQ_\.~~
Honorable Harold Kalina
Director of Arbitration
12/31/2003
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IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2248
vs.
SCOTT J. MOSER
Defendant
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, SCOTT J. MOSER, for want of ANSWER
TO COMPLAINT.
( X ) Amount due
Interest from December 31, 2003
Attorneys Commission
Filing Costs
TOTAL
$ 5,996.48
$ to be determined
$ to be determined
$ to be determined
$ 5.996.48 plus costs & interest
( X ) I certify that the foregoing assessment of damages is for specified amounts alleged to be
due in the complaint and is calculable as a sum certain from the complaint.
(X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for Final Judgment or Decree), I certify that
a copy of this praecipe has been mailed to each other party who has appeared in the action or to hislher
Attorney of Record.
(X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this
Praecipe was mailed or delivered to the party against whom judgment is to be entered and to hislher
Attorney of Record, if any, after the default occurred and at least 10 days prior to the date of the filing of
::~::ecipe L~ i;; \~h~~otice is :::::t:re: ()~ (! tU JvL
At ~. Wol on, Esquire
ID No. 870
Philip C. Warholic, Esquire
ID No. 86341
Wolpoff & Abramson, L.L.P.
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
, 20a!:/-, JUDGMENT IS ENTERE~OVE.
PrQ~~~~le~Ri~i1 D~
~(J/l~-P ~_r--
Deputy , '("
NOW,...)Lu..\~ ,;2'1
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2248
vs.
SCOTT J. MOSER
Defendant
AFFIDAVIT OF NON-MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF YORK
I, Amy F. Wolfson, Esquire, being duly sworn according to law, depose and say that I am the
Attorney for the Plaintiff in the above-captioned matter, and that to the best of my knowledge,
information and belief, Defendant, SCOTT J. MOSER, above named, are over 21 years of age; is
last know to reside at 1718 ENGLISH DR, MECHANICS BURG, PA 17055-5645,
CUMBERLAND County, Pennsylvania; is not in the military service of the United States or its
Allies, or otherwise within the provisions of the Soldiers' and Sailors' Civil Relief Act of
Congress of 1940 and its Amendments.
p
Amy F. Wol
ID No. 8706
Philip C. Warholic, Esquire
ID No. 86341
Wolpoff & Abramson, L.L.P.
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
t hJ~Jh
n, Esquire
SWORN and SUBSCRIBED
To be~me this~ da~ l
j);~~t&OO20~.
Notary Public ~
COMMONWEALTH OF PENNSYLVANIA
I Notarial Se.1 1
Din. A. Sweitzer..Notary Public
City of York, york Coun
My Commission Expires Apr. 1~, 2008
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2248
vs.
SCOTT J. MOSER
Defendant
CERTIFICATE OF RESIDENCE
I, Amy F. Wolfson, Esquire, due hereby certify that the last known address of the above
referenced Defendant is as follows:
SCOTT J. MOSER
1718 ENGLISH DR
MECHANICSBURG, PA 17055-5645
Respectfully submitted,
Date: June 21, 2004
lldu;o1E~~
ID ~:.~ 8~1~(
Philip C. Warholic, Esquire
ID No. 86341
Wolpoff & Abramson, L.L.P.
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
(TOLL FREE)
1-800-758-0675
NATIONAL COLLECTION ATTORNEY NETWORK
AFFILIATEO FIRM LOCATIONS [NOT BRANCH
OFFICES OF WOLPOFF & ABRAMSON. L.L.P.],
HONOLULU, HAWAII FARGO, NORTH DAKOTA
BOISE, IDAHO CLEVELAND, OHIO
MERR1UV1LlE, INDIANA OKI-AHOMACITY, OKLAHOMA
CHICAGO, ILLINOIS EUGENE, OREGON
KANSAS CITY, KANSAS PROVIDENCE, RHODE ISLAND
LEXINGTON, KENTUCKY COLUMBIA, SOUTH CAROLINA
META1AIE, LOUISIANA KNOXVILLE, TENNESSEE
NEEDHAM, MASSACHUSETTS HOUSTON,TEXAS
SOUTHFrELD, MICHIGAN SANDY, UTAH
MINNEAPOLIS, MINNESOTA MilWAUKEE, WISCONSIN
ST. LOUIS, MISSOURI RAWLINS, WYOMING
GREAT FALLS, MONTANA
OMAHA, NEBRASKi\ . The Netlonal Collection
LAS VEGAS, NEVADA Attorney Network I, an .tfllhtIIQ~
MANCHESTER, NEW HAMPSHIRE of separate law firm..
CEDAR KNOLLS, NEW JERSEY W&A Hours of OperaUon:
gYOSSET, NEW YORK
RALEIGH, NOATH CAROLINA 8a.m.-11 p.m. E.S.T. M.F
MAIN OFFICE
TWO IRVINGTON CENTRE
702 KING FARM BLVD, ROCKVILLE, MD 20850
BRANCH OFFICES
1 0605 JUDICIAL OR., BLDG. A-S, FAIRFAX, VA 22030
1108 E. MAIN ST., STE.1003, RICHMOND, VA 23216
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919 N. MARKET ST., STE. 1300, WilMINGTON, DE 19899
1954 GREENSPRING OR., STE. 400, TIMONIUM, MO 21093
1 VPUEY8AfIIKBlDG.,OOX 1226. a...MKS8UR3, WV 26302
2625 TOWNSGATE RD 1330, WESTLAKE VilLAGE, CA 91361
267 E. MARKET ST., YORK, PA 17403
NATIONA~.CO~ECTlON ATTORNEY NETWQRK
AFFILIAtED FI M LOCATIQNS [NOT BRANCH
OFFICES OF W LPOFF & AllRAMSON. LL.P.].
BIRMINGHAM, ALABAMA SAN DIEGO, CALIFORNIA
ANCHORAGE, ALASKA EOGEWOOD, COLORADO
PHOENIX, ARIZONA FT. LAUDERDALE, FLORIDA
CABOT, ARKANSAS NORCROSS, GEORGIA
LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
Attorneys in the Practice of Debt Collection
(A National Collection Attomey Network Firm)
287 E. MARKET STREET
YORK, PA 17403
FACSIMILE 717.848.1146
PLEASE DIRECT ALL INQUIRIES TO
YORK OFFICE
June 9, 2004
SCOTT J. MOSER
1718 ENGLISH DR
MECHANICSBURG, PA 17055-5645
(g
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RE: MBNA AMERICA BANK, N.A. / SCOTT J. MOSER
Docket No. 04-2248 (CP CUMBERLAND COUNTY)
Collection Malter
Dear Mr/Ms Moser:
We enclose a 10-day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil
Procedure.
Sincerely,
SON, L.L.P.
!/w/lt
AFW/llb
Enclosure
THIS LETTER AND ANY FUTURE LETTERS FROM OUR FIRM ARE AN ATTEMPT TO
COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2248
vs.
SCOTT J. MOSER
Defendant
TO: SCOTTJ.MOSER
1718 ENGLISH DR
MECHANICSBURG, PA 17055-5645
DATE OF NOTICE: June 9, 2004
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU FAILED TO TAKE THE ACTION REQUIRED
OF YOU IN THIS CASE. UNLESS YOU ACT WITHIN TEN (10) DAYS FROM THE DATE OF
THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING
AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING
OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Cumberland County Bar Association Lawyer Referral Service
4th Floor, Cumberland County Courthouse
Carlisle, PA 17013
(717) 249-3166
/;/
BY: ({f:~ ~
Amy F. Wolfson squire
Wolpoff & Abra son, L.L.8.
Attorneys in the Practice f Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
10 No. 87062
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IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2248
vs.
SCOTT J. MOSER
Defendant
(X) Notice is hereby given that a DEFAULT JUDGMENT in the above-captioned
matter has been entered against you in the amount of $ 5,996.48 plus interest,
reasonable attorney's fees and costs, on. JUA ')~ :t'i ,20C2!f-.
( X ) A copy of all documents filed with the Prothonotary in support of the within
judgment is/are enclosed.
l~~;:])z~
~ ~~ .P.'l1~td-'
If you have any questions regarding this Notice, please contact the filing party.
Amy F. Wolfson, Esquire
ID No. 87062
Philip C. Warholic, Esquire
ID No. 86341
Wolpoff & Abramson, L.L.P.
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
(This Notice is given in accordance with Pa.R.C.P. 236.)
NOTICE SENT TO:
SCOTT J. MOSER
1718 ENGLISH DR
MECHANICS BURG, PA 17055-5645
SHERIFF'S RETURN - REGULAR
CASE NO: 2004-02248 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK NA
VS
MOSER SCOTT J
CPL. MICHAEL BARRICK
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
MOSER SCOTT J
the
DEFENDANT
, at 1927:00 HOURS, on the 19th day of May
, 2004
at 1718 ENGLISH DRIVE
MECHANICSBURG, PA 17055
by handing to
SCOTT J MOSER
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
Service
Affidavit
Surcharge
So Answers:
18.00
7.59
.00
10.00
.00
35.59
r~?eI?-~
R. Thomas Kline
OS/20/2004
WOLPOFF & ABRAMSON
Sworn and Subscribed to before
me this J ,,""
day of
~ .)AJo<f A.D.
!\'-'1'-ou () )"/.W~, , IJJ~
'- fProthonotary If'
UNITED STATES BANKRUPTCY COURT
MIDDLE DISTRICT OF PENNSYLVANIA
HARRISBURG DIVISION
INRE:
CASE NO. 1-04-bk-OSOOS
CHAPTER 13
SCOTT JOSEPH MOSER
CAROL ANNE MOSER
Debtors
v.
CUMBERLAND COUNTY
DOCKET # 04-2248
SCOTT JOSEPH MOSER
CAROL ANNE MOSER
Movant
v.
MBNA AMERICA BANK, NA
Respondent
ORDER
AT Harrisburg, in said District,
UPON consideration of the foregoing Motion to Avoid Judgment, and it appearing that
the judgment of the Respondent stands to impair the exemption of the Debtor under Section
522( d) of 1he Bankruptcy Code, it is hereby
ORDERED AND DECREED that the relief prayed for in the Motion be, and hereby is
granted, to wit, the judgment ofMBNA in the amount of$5,996.48 plus costs and interest,
entered in Cumberland County shall be and hereby is avoided.
BY THE COURT,
?1~~~~~
Date: March 15,2005
This electronic order is signed andfiled on the same date.
CERTIFIED FROM THE RECORD this qcA
day of j--.AA ~ iU~ ' 20 Q,;,G
Clerk" u.~ankrupICY Cou () .
-)~/u. t! I!. (iL...- r c:v.../C0L-
Per . Deputy Clerk
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