HomeMy WebLinkAbout04-2249
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.,
Plaintiff
NO. D4 - ~;).4?
C'uieT~
VS.
CNIL ACTION - LAW
RONALD E SPARKS,
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 ESTA DEMANDA A UN ABODOAGO IMMEDIAT AMENTE. SI NO TIENE ABOGADO 0
SI NO TIENE EL DINERO SUFFICIENTE DE P AGAR TAL SERVICIO VA Y A EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO
PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSIT ANCIA LEGAL.
Court Administrator
Cumberland County Court House
1 Court House Square, 4th Floor
Carlisle, Pennsylvania 17013
(717) 240-6200
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.,
Plaintiff
NO. ClJ - ;)"':>"'I?
c''uiL ~E:tL~
vs.
CNIL ACTION - LAW
RONALD E SPARKS,
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:
I. 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, RONALD E SPARKS, is an adult individual with a last known
address of720 N HANOVER ST APT 4, CUMBERLAND County, CARLISLE PA 17013-1592.
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 if the 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 ofthe Plaintifffor
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 ofthis account.
10. As of the date of the 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 $6,636.43.
11. 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
2
compulsory arbitration.
WHEREFORE, Plaintiff, MBNA AMERICA BANK, N.A., respectfully requests this
Honorable Court enter judgment in favor of Plaintiff and against Defendant, RONALD E
SPARKS, in the amount of $6,636.43, plus costs of this action and such other relief as the Court
deems proper and just.
Amy F. olfson, Es
WOLPOFF & AB
267 East Market St
York,PA 17403
(717) 846-1252
ill No. 87062
Attorney for Plaintiff
~
3
VERIFICATION
Amy F. Wolfson, Esquire, hereby states that she is the attorney for the Plaintiff, MBNA
AMERICA BANK, N.A., who is located outside of this jurisdiction and in order to file the
within document in an expedient and timely marmer, she is authorized to take this verification on
behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing
Complaint are true and correct to the best of her knowledge, information, and belief, based upon
information provided by the Plaintiff.
The undersigned understands that false statements herein are made subject to the
penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities.
Date:
5jt(~r
Amy F. olfson, Esq
WOLPOFF & AB SON, LLP
267 East Market Street
York, PA 17403
(717) 846-1252
ill No. 87062
Attorney for Plaintiff
EXHIBIT "A"
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Your Contract WjtJi Us
Vour Credk Card /o.irOement with u. <onoiol. 01 those
Add;t!ohat Tctm$ ilI!'ld Conditions and the doc:ument ca1!ed
t~ RilclIJlm F=dC:r;:i1 Oi.(lelo!:lJrD 0: tM U'I\tlal 01scJosIJTel
YoU ;lttte to the ~n'nS and conditions Qf thl.c,AifMI'1\'"l. For
the pUlpose of the Pri",~ 1'101.., w. will .,. ,ne aellnltlon.
contained In tht! thJtd pe",er~ph. =f tne PI'tUAty Ndt,ia, ;orthe
r~"lncSer of the ngrument. we will \I~ thlr c:lcftnltloriS
d.sc:,rib,d \,tndvt thQ 'mlon lImln.g W~flfs Us'" Ofwt I"
TfdJl\(lflt!t1ft1l. . -
Pri"aC!l Notice
Yo.r pri>';l<;\l Is lmpOl'llult l'<I us, Pi. MBNA. we .to
oommitted to pfDVidine \'ClU with the finest rllUlndal
products alld ."",i= backed by cOliSlstently top.quaUty
service. And willie tn/ormation .bout you IS lundamental
III our ~bllJ\y to do thiS, 'l'e lully reC06Tl= the Importanee
of keepinil porsonal and o=nt information .eazre.
1'0 olter IOU the w1d~st "lllile of produc;U end .el"/loo5.
MBNA may share Informatl9n .bout YOU both within
MBNA and outside of MBNA with other comp.nieo.
1'hls allows us to offer you products end .em9'" thot
may Interm yOU .nd best meet yourn..,d.. whether
they .r. .v.llabl. diredly 110m MBNA '" th<CUllh Our
r.ra~on.hipn with other companies. We want yOU to
understand our information sa~.Jd., wh.t l~rormatlOT1
we collect, what InformatiOn we share. and tho benefits
ydJ =ive wl>en':"e share Inrormetlon about YOu:
.Thi. notice doserlbes ,the privacy l>rac~""" of MBNA
COtpO"'llon an" all MBNA-.ffill.'.... Indudlni MBNA
Amerrea eank. itA.. M.5NAAmerlca (Celawarel. NA.
PaIlatlian Trave.l Sl!rvi0!3,lne., MBNA Hallmark .
In!ormatlon Sorvloes, Inc.. MBNA Marketlllll System..
Inc.. ond MBNA Insurance /\gen<)'. Ine. (oollool".ly.
"1\IBNA"I. for fin.ndal products and setvle.. loVerncd
bl' th.I.VIS 01 the United Stote,>o! America, Thi.
notice e><plain. MBNA's Inio"".tlon roll.clion an"
sharinll practices and lets yoU choo.e woerner Or not
MBNA ~y sliare certain lriformotlon about you. either
wthin M5NA or outside 01 MBNA with ""':,,,r companies,
Our 5eeurlty PtOCIlrlures: MBNA und...tands the
Importance of Prote<:tJllI;l.nrl ec:uring Inf!:lrmation and
usins it approgriat<ofy. Acas.s to Information about you
Is restrlaed to the people 01 MBNA who ""Iuill! It to
provide ptoduttS o. "NiCe! to yoU. We maintain physi-
cal. electrOl\ic, and proc<:dUraI safeiUarc1s that comply
>Mth federal standards Forth.. security of information.
, When MBNA shafU lnform~t;on about yeti With
comparlles OUtSide or MllNA, w~ require thent to
Impose safegu.rds. use It only for a ~fIllltt<XI purpose,
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al'lQ 10 retl.:.rn 11. lQ lJS or destroy it once. thClt pur;:lOSf: Is
I'Jrvad. We Ilrnit t~e amount or inr~rmatlon shared to
w~.tls approP,ia\~ to offer a produ<:t or $e",lce etn.
ciently, MSNA roqulres any company retelvine inlo,.
, mation from MeNA to silln a Confidentiality Agreoment
cont.loing t~~sc requirements and oblieatiOll that
company to prot~ tn. informstion as ~ \'\IOUlo..
h1iorna~tiQn \",".; ~t:e...i: :lt~D~~'\ :::':IH:::'d:: ::::'ld USe!.
nonpublle personal informnian .b~ut you t~ conduct
our busineSl;i 8"d ~o eonsi$tently deliv.r the top~quaUty
Cu~tomer seNic:e. )'()11 e::c~ct from us. SQurces of this
inr~rmatlon indud. th~ following:
. Information ws t'Gc:eNa from. you on C1pplfcations
and other form. oC thrOull~ your co=ondence or
communle.ation with us indudlt1g throuGh the mail.
by telephone, or o..r r~e Internet:
. Information.... rocolve !rom third parti", .uch II
<on.ume, ,e""rtlne _gendeil. to verily Slalements
YOU''I9 mad. to us, or '.8",dinIl1o~r employment,
ccedlt, or othe, 'elatlons~ips, and
. lnrorm.ti~n aboUt your transe<:tlons with MBNA.nd
with oth~( compantea o\Jtsldt of MSNA.
Info""stlon We Share Wltlllll MONA: We ,""y
share a]1 of ~h~ lnfotmation WO: c;Qllc.(;t aboUt you with
rinanclal $ervloo <:ompanies within MBNA to of"",oddi-
tional produas or Rrvlce'S that mll)' imerc$t you ond,
best me~ ~our needs. We believe this Is convenient
[0' you and may s.ve you bOth tIme and money. To do
SQ. we share identification Inlormatl"n lS\lch .s name
ond od<ire$$l.tran..ctlon and experlenc. Informitlon
(such as purcha.e. and payments!. credil eligibility
il'lformatlon (5lJl;h as credit reports and appl\i:;tionsl,
and oth.r informstlon. The decision to putd\ase allY
$uc;h pn:xluas or ftrvices is your.s alone. You m.ay tell US
nel to share credit eUglbllity ,n!ormation about .'<lU witil-
In MBNA. but please undelJitand this does not prohibit
us from offe'ins you additional produ<tS and services or
from sharing t",,,..<;tion and ..perienes. idenllOca~on,
and other Information within MBNA.
Information w. Share \VlftI Oth....., From lime to
lime. we may allow companies outside of MBNA to olf<(
you their prodUctS and s~es that may Interest you, '
1l1~.... product. and ..IVi<:l:G ITlIlY be of Ie red by nnendal
se..ice providel'$ (such as banks. loan brolc4rs. account
a..eoaQatol'l'.lnsunnce agl!ntll,lnsUTanc:e companies,
mO'tllae. bankers, and ncuridos blow-dotale",), by
nanfi<'al\dal COmlllln\es l$uc:h .. retailers. dIrec:l: mar.
krter$. comrT'unlcatlons cc'mp3l1ies. lntemet SIl:Mee
1)roviders. manufactUrali'. seMa ccmpani,:s, nvel
l
.
,-
;ogent!, <lUlleUn... car rental aeencl.... hotel.. airlines,
puoUsh.".. and orconlzatlons endol$ln~ MSNA linal'ldal
produ<!:9 Or MJ\lleelll. and othel$ {suoh a. nonprlllit
crgan1zlltlonsl. Sublecll0 appll<;able law, W<l may shate
all tI1elnrormation WE; collea with these C':lmpanies OUl'
.ide cl MBNA. unless you tell us net ro.
Addltlcnally. wem.phare ell the inlol'l11ation we
coltet\ with comp.nle. that perfcrm ma'ketlllll 01 other
.el"ll.., on our behalf or to olher financ:lal institutlO1\S
wit.~ which Wit have jo'itit mark.e~lt'Ii agreements. We
.re also permitted by law to share lnfcmuation about
yvu wtth otMr companies In certain Circumstances.
For inStanc.. we may share all or the information we
colle~ With componl.. assistine us In servlclllll your
loan or account. with com-panies that endor$e our
produ<:t5 end $eM"'" throueh affinity ecreementi.
wtth government er.tit~u in teSponse to $ubpoenas or
r"\1'-'I.IOTY reQuirement<. and with consumer reporting
.gendes. If ycu tel[ u. <'lOt to .hare Information with
cornponle< outside <>1 M8NA that Wish tc orteryo.
their products and servlces. .s described .bOYe. pl.as~
understand that we will continue to share information
In thtSB additla~1 drcamstance5.
Important IlIfonnatioll About Yoor ChD!"", We're
d.dlcal!ld 10 ..Nlng your needs - alld to respecllnti ~r
choic:e:s relltee! to privi1CY, 'You ma}' tell us. not to share
credit eligibility intornlitlon within MaNA. and yeu may
tell us not to :;.here information with (()rnpanies ou.tslde
or MSNA that wish to off.ryeu thelrprooualIend seM<es
as des..lbed above. If you wish to opt out cf socii
infOm'latlonsharlng, please call toll-ir..I~~1SI.m5.
w. will ..k yoU to verify your Identlty and the sped!lc
aoxount. to which the opt out applies, so plene have 811
you: aeeouht. memblilf!in ip, or reference numbers and
your ~Ial ~curltY number or~"l'ayer Identification
number for deposlt accountS avalleole when you call.
MSNA appllu oPt oms at the "",cunt lev<o1. nct by
individual Customer, When any pel'llOn lISted with othe..
on an a<;'Count = out lfor _mpl.. s c:o..ppllcant, lolnt
account holder, or authcrlzed user). "'" willitst the .n~r.
aa:ount as havinc opted out. MSNA wiH (ontlnuQ- to
adhere' to ItS dlsclo~d prl~ praaiOO$lor an a~unt
even if it oeCQmes inactive or IS closed.
An opt OUt from InformatlOJ'l snarine on an account
u described above, either within MBNA and/or with
compantts outil1l9 of MBl'lA, Mnalns effE;ctIVe unle..
revoluod In writini. Federal reeulatlons reQUire us to
provide this notic.e on an annual ba$ie, whether 01' not
an '<<:ount ha. provlously Opttd OUt from either l'/Pe
g
,
9r inror1'1'l3tie.rt sharinG:. Please mmtmber when you
receive our subs<:~uent notic.. that en .ecount prilliously
oPted out from ..\ther or born tYPeS of Infotl'lletlOn sh,lllne
tand not re'lllked In writinel does no~ need to be opted
outqall"..
ThLs notir:e updates and repl,jllc:e~ .Q:ny prevlo\ls
noU"es from MBNA aboUt the prtv."l'. security. and
protoction 01 Information. For .ddltionallnformatiOn
regardlns M9N"S prl....cy pl1lotle8$ eoncotnine the
lntemct. and 1:0 v~ew ~he \"nClstree~nt Y8rston of this
privacy notiee. please iO to wwv; mbna eC>"l and dick
on "Prlvacy Nctlc:..- 'You may halle other priVacy ~ro-
teetlOns under stat. laws. W. may amend this privacy
nOtice at any time. and we wlllintorm you of chanees
8S r~uired by law.
Wqrds Used Often in Tlii:; Agreement
~^iteement" or .Credit Card AQtnmtnt'" m~ans thcs~
^ddttlcnal 'T4!rm!ll!lnd Cgnditien:: .ncl the Rtql.lircd F~detal
OI~lo$\Ires lOt the lnltiai Disdo:s~) liInd &"y ehanQ2t WfI
mab! 1.0 those d(j(Um.Jl~1i ff'tlm tifne to time.
"Vou" and "your' m~an ~;ch .and. .llll of the peT$01'\$ who
Gre- er.:aot~d. aCCClpt. or u,e an iJCCDIJn1; we halcl "You. and
.your" .0[40 mean any other plilf$On ~ho h.s i\.la~nlQ@d
Pilym,nl gfthlS:: ;ccount. when used In the 5ec:tlOI\~ II:ntldlild
w. Mly M~llIwrd"4 RetDnfTllrpluJl'1f CaUs and ArBllra:rWn and
UUplui~" ..nd when UMld In e3~h of ~hf! ~jQJ\. telating'to
p:aymcnt otthls account l'iQur ProMise 10 Pt:lfl, ,nd HQW W,
A.nlXfltYa~r P&lyrMrds, for examplel.
"W!," -ul,....our. and "M8Nh America'" mean M6N.A.
AmcriQ BAn\.. M.A.
.Card" means- all the Q'edll cards""~ IplJQ to y~ and tQ
.any other pt~n wit" tvthori;e\lon t<::l 1,1$11 thi;. .~DU1'l1
pursuant to thiSAeteemem.
"A~~$$ek.eck~ meanS an a<<,~ c:hedt we provi4e CO YQ\'!
to make iI Checlr. ea.sh Adv3n~ 0"" your aQ;QUTl~.
Uwe u~ Q Ql)lt:;JIl%td t'QI'M In this C1oC\lmtotbl.lt de (lOt
d~nl'lc Ute lem1 In th\= dQQlmllC1t. ~h(l (<:I'M, ha.Utt mQal\Il'11!!l:
givan In the RvqlJll"Qd FedQt3l OlsdOS'\Jres Qt~hG InItial
Ois;I~I"I~. ot b u5ec tn your monthly fi;tollIf*nur:nr.
W. u.. ..:tion headlnp lSuch OS W.'" Usol 01"" In 1h~
AI_mIJ 10 oreon\,.'ol. ""m,"o.L 1.. aCllllll <""" .rIb;"
Aetetment QTe in t1,e sel'ltel'l~& that fellOW _tiC hoL \he heidhlQL
Silln Yorcr ell rd
You should :sIgn yQ\1t <:;rd blilfart you use tt.
We Mall Monifjlf dl'Id R<<ordTelep~ne Calk
'tOt.l C:~Ment to and aUthorize MeNA Am.rtQ. ,ny of";U
i1fnl1a1.e$. Clr it:ll m:a.rkArtlna .e.=OClates (0 monl~ Indict re4:Cfd
any of '1rtlJz l.e:Jephone. <lOnvelSatlcnll with !;)\If tttPresenti~V4!'
or the reptesQntativcJ of tiny Qf thO$e eornpiflies"
.
p/'OVide t.hat th. currency converslon fate to ~ used is: either
( I J . wholt.'lt marker ""a or (2). !l'JYelll",o.'-""nda,ed
Tatll' It!. efi'~ ~n~ :::l.ay prior to the proc:ess\ne dat~. tnc:reaseQ
by ant percent ir'l each cese. Vifoa gr M;Sb:rCaJd rttilin:s this
one 'PQ~t 35 ccmpen$atlol"l rQr~rformitli the a.men~
<;ol"l....e1'51on sElrvic:e. '\1te OJfttlncy con....ersion rate tn ,neet 1:1:'1
tht: prOQissinc da~1It m:.y dffie.r fr~m ~ha l1Att in errea Ql\ the
tlilJ'\'jl~c:t1on d.ate or th, P<I,tt~G. date:.
Billing Cycle
'four bllline c;ydc tilds ead'l month Qn a Closing Oate
C:letermined by lJ3, teen b11tin.e('fd. bcB,In.$ 01'\ the O~ after
In. Closlnt bore 01 tht llrevioll$ blUlnc <:ido. 1iOcl\ """'men,
..n.."., . s1nel. billins <!/CIe.
Accollnt Fees and Cliarges
Accoulll Pc.., 11>. IOnoW1ne I.... wOl<;h are ~t roltlllfl ypur
Roq~l..,; Fetleml'O!sdosorvo or Inl~'1 Dlscl......,~.. ch''Il,d
;;J~ Purchases in 'the bUling cycle In which' the !eesacc:.ru1:
(I). I.,~te ~..Ifthe'f.lll Minimum paym.nt Cue .hown Qn
your ~ntnly s:tiltcm~ is not rto:.t\vec\ by u:s 0\'1 Of },e'gn i~
p.,ylT\~t Cue Oatet '
12] liT" ~rl.im;t F~ U your New ~l~nct iOtai excs~ your
(l'edtt Ilrnit on the laSt day of'a billtt1tli cydG. tNtn lr rti$ 'OJ
l1{1ince c=naTga c:;hal'9cd. by Uti aute YO\Lr N." B::I.IQnce:: Total
to E:<ceerJ '/Cdr l:redlt limiL:;an OverUmit Fee 1$ th~f'itd tb yow
.ceouat.. of the <l8l' I~ 'ho blll,l" Cfde that tho '0101 QU'-
$tj.n~U"s b8:t.nee en yo1Jnco::n~nt ~)Ourcred.lt limit:
(3) 8 Returned payment F~ if a PIYm\!:f1.t C)l\ YQur a@unti$
ul.wrntod 10';' ;nsuffl~ien.t f1.Irr<1s l:I' fea- any other reMOn. eV," 1(
It 15 plid Upc;lf\ $\IbSequem -presentment: .
[41 <llo RetU1l1~ C:v;hAdvanceChe<:k Fee IFwt ret11faan. actuS.
t:hec\l: un~~id ror in)' rQilICQn. even If the aJ;Q$li ;:haclc. '5 paId
UPOJl il,1b,eCll.l0J1~ ~:tstntment; .
I~) a topy f~! for each l;O~y of a mQntlllr ~ta~!l'mflr;t QT ~1!:!
dr;tft, e:xeep~ that the '1.x motlt reO!nt monthly statcml::nU and
SIX saJE:S drnrt5 wlll be: prOV'ld~d for trill; and
{O} e,n I\JU"lJ,la.1 ~ lfyoL.lr a~lm'C I~ QpIlJ'\ ot IfYQU malnt:l.ln
~n a.<<:coutlt ba~;nc;v. whQthet you have actl,", t;hSl'iil'lt C'l'lvl.
leges or r\Q'i,
Ab.\Inooued-Piapertt Cbillfi;ll!:~ Unlee::s ?rtlhibited 'by
applicable. law. wewlU dlar6'il )'l:)ur3c.:oLlnt,lS.; 'P'llrc.ha~e.
for any com inl:;urrcd by us a550datlW with (Ompl~lne W11h
,t~t. abandcnedo-propertY laws.
Pleast revi.-w yOur Required Flilderal OlsclOS\!r8Ei Qr lnlr.i~
OliCI""U'.lO' .o~ldon.1 r... and ch"e= ,her may nT>l>ly to
youral::O)ynt.
&1Ie(its
We may oftcrl'Ol.l certain benei'i';::s end se~ with Y9Vf
;cCQunL uOlla$ll aorel:lly,tnl.tiea ~I"[ of this. Aireemem. ~
$\len benefit' or SflMCn, ~rt& ~ a ~tl. of this N!reemc:nt bUt
"'All 3ubiea to the tel111l "no' relerictions "I.11:Un~ In the btMnl:l
brOl;hurl! end OtMr offldel doc:qmena of'Q'lld2d to you ftom
time to dmt by or on bebelt or MBNA Amerir:l:l. We m3'/
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adj\lst, ;..dd, cr cidae ~nQfit$ :md.llervh;,es; .:It any time and
wlthou~ no~Ic:e: '00 you.
Refusal to Honor YOlll" Account
We8rlil "tit tiabl' iQfa11)1 refu:;:al to lolonor)'QI.UaO::Ol.lllt
This din lndude "wuul to honor your ~rd or a~ut\t f1l:lm'b:r
aran, c:n~'WI'Jtlen onYQut ICCOl:I\=. We. arc: nOt Ilabte for
any Jetcntion of YQur Qlrd by 1.1:';. "~:J Qthe.r b;nk. or any
provid~r of eoods. Q1' 5!rvice3.
We Mag Sus;rer.,{ or Cldse Your ~CCOI.I:i'it
w~ ~ su;peng QT dose your account or othe~ tlllT\'lil'lo.tc
yeur deht to UR~OlJt aeeown. ,We. may do this at anytime
ill'l,", for any rea.S:'X\. 'Your Qbli'g;:litiOTl$ \Inl;ler thi~ Nireti1len.t
C::ljntlnue~.n Wtcrwe hevodonethiG. YO\! mustdGl:;.ttOy~l1
cardS, a<:c:ess dll:de,. and,.ClthQ'!'.o:::edltdtl....ias on the ao::cUl\t
whel'i we !'i.qu'Ut th~t ')'au do so.
Yqll Mall Clo" Your Ac,ount
. You m,y 010.. your .<<outtt by notlfyi", u'.ln wrltl., o. oy
telepnoM: .ill'Id dEStl'Qylng alll;:lrd.$. ,,"C;C:"S d.~..:iInd othtr
cradl! da.,l~ on tt,e account. y.our I;lbIiR~lon$ under dUJ.
Nltet:rtnan\ CI;l"tlru.l~ even aft$r ~1,1 h~ done trow..
Transacticns After YoW ACcount I~ c:losed
When yeur eQ;Q\lT\t i, c:\olllcd. ~ou mtJSt' c9ntlll:1 anyrme
~l,lt'hQri~liId t:) c:hflrIJC tr.Insact1om ~ your ilCeoum. such"$
internet Ie.Mce ptQVlders. h1Q1~ dubS. or Ins\:lrKlte: ct;)m.pa..
niCl!. 't'h15l!: ~nf;;j;lI:tiQn= "",,y c:onti"\I' tQ be (h$l'ljled to ,Qur
iiH:r;ount un~\ 'to\I chanc'otne billine. .AlSO. if:wQ 'believe you.
have author:ed" /I ttanaa:!on. or-are. Ittem-pting tOo Uft JOUt
;c;:c;;ountl~e.r you h3Yf: t~ut!:Wi to dose me acto'UTlt. we
may al low the trMs8dlOn TsO ~ cn;.tsOO to v<1ur acccunt.
We Mall Amend This Aqreement
We Ma)' ame:nQ thlj:, A.4;:rat.ment at any tiMe. 'We may
~mtnd it by addlnil. det~ti"i. IOU' Ch;:II'I.;,itlQ prov1$.iol"ls of thl$
Ait~m!n\. When wt amend this kreemlCts[. \'Ie win romPI1
'With the8pt)lialble nonce requirements Of reelersl and
Oelaware LIilW that ll.fe. in eft~'at thilt tlmi:. If an arJlenr,l.me.nt
.efv1:j you th~ D\=It:lOft\mity to flCiO:t the ch.-nee. and ii:yOf"l
"I"'" th. .""nso lI\ m. m...., plo>ld<d I. such am.",,'m,,"l.
we may t~rmlnl!.te ':lour rliht to r4:C:el.ve. crmit and m.e.y u~ yt;lU
~Q retl,lm .n oqedit dC'fIt:.~ ~ a conc;litfQM of)'OW' ftil\!tU~T),
i'ne arn'''D.C1d AlP'etmern (Il\cludl'/'l.C any hlch.Nil'tO cr otl\er
hIGher I:h.arees or tflesl wm apply \0 chi!' 'total Ol.ltstanOil1t.
bal.nce. inclu<lI.g 1M bal.IlQI..\s~n& 1:>efo..lhe .....ndm.nt
bet::am! e:rcecuvo. WG lTJ~1 t't!:)laee yQoUt' CJrQ w\tl\ anotn.el'
eard I3t ;n}l I.Inll~.
We Mag SeU YOUI' Account
We mOl:y at any time. .nd: wtth\;ltlt notld! to you. Itll. _sign
Qt transfer }ltu.:r iI(COl,lilt. iU'ly wms aue en your acxmmt.. this
.-Ie'-', o. our rtghts or obllptlQns under jOur ac:ounl Qr
thJo Alreement to any persOfl or enttty, The person QT emtity
ltl w,",Qm we: mekf: an)' such salq, D~ment or trlUldfer 'Shall
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be I3nlllltti to.aU of our riet'ts andlcr oblie2ltions under ti'l1&
}.,gJIHmant '0 thl!' ~'l:ent Iilo~d, ~S~e.MQ. or ~u\nslt:rred.,
Your Credit Limit ,
- YcroJf Q'Rdillimi\ is dlsdOHd to'yc1"I wt\e:n you ;ec::cWe 'itlur
l:ard ll.nd. ge:nen\ly, on I,"Al:h monthly st;tcmtat. We Tt,ny
o,;;han~e)'~\,rratdlt llmirfrom Hmctotime.
"h(' aMount s~ on your monthly s.~teMe"t. all Cash or
Ctl!:dtl AYlilU;fOlt dces n<< tiik.. into ilCl:Ount Iny'PurcWll:G.
Cain Adva:ll:E:$, rll'1;!n-::e c.ne!e'=~1 i~; "f1) ucher ,t't8:~S,.eo.1Qf\~.
or eredlt5 thi't 'PORt te yo.ur lIlCC01.,lnt Ilfter the<:ll;;)sinG t>a~eot
th~t monthl, 5tOternent. S\.lQl transaetioN OJuld resullln
your r;rtdH.l1mit belne l!Xc=d~d a~d rt!lsult)n the assessment
Qf Ovl:tlim't Ft:Q$l,
wliat We May Do ifYoll"Att€lIIpt to
Exued YOIIT Credit Limit
Tht totll outstanding ~li.~~ ~ ~DUl' attOulU pl\1$
v.utho~I'~;.tlcns.at any tlm,mu$\ nc:.t be more thr3.l\YCl,lrmiL
limit, i[ YDU atte.mPt . m71~lon !.hat ~ult' i.n. ,our totDJ
QIl~~ndin.g balance Ip\lJS authori;atiol'l~l ur:t:cdln.c your
'Credit 1b'T1it, Wt: may ll) permit tht mnt~c:tiQn w\.\hcuL r;lslng
your CUo:dlt limit: (2.) PtTTnl1 the ttE:m~CtlOT\ .nd m&t the
itfflC/'..lnr: 01 the t!"f.f\:soc:t1.0n 'l:1'H'It~s mQr4 than the credllliD'lt'l:
tl.' Irnmediulc:ly du~ OJ (31 Jtfl,l:ie 'to })ermtt tns, .tr.:lC'luttion.
\t we refuse1.l:l f:I<=rmi~ thQ trQn~:ac:tlon. W~ may adv\Se lhe:
pet'r,o!\ who a:aemptedthetr8n$ill;~IQf\ ~tlt.has~~.
If 'Ale refl.l&Q' 'Co p~rnlt a o.el;k Cash Adv3n.c;e or 'SQIBnee.
irinsf9r, we may QO ;0 by liU:ivi:5lr\C ~he Del'lll;ln pl'll::Se:l'lrtI'\Q th1!.
Ched: Cash Advance 0( e."l.n~ 1'rvn$l'er that CMdlt hA, ~
rel\lMd. ,he, thel'~ art tTl$11fficient funds to pGy ~ Olea Citjn
~hte or 'Balano;.c: 't'l1.nst~t 'Or itl4Sny ()ther m;,rmt>.l',
If 'We h:!ve Pf9viou:;ly pe.rmlttCd YO'U to uteed YOloR'i:ni:d1.t
nrnlt. it does not me.n thO!:; WCl wm ~emm you to exceed, )'Qut'
Cfi,ldit limit ne;tln. U Wl!! decide. to p'in'Mit you t,=, ~md your
credit limit. \/It may charge an OVe:rllml~ r'~ 8$ prov'd'ed iCl
'ihls: Aartemerlt,
UMl<<Ulo~d Us~ llfY()ut Cl1td
Ple;c. nO'tiry US lmmedia'telyof th,ioJ::i, ;h1[1, at poSSib\~
unauthorlzad'\Jse ofyQ\Jr t1=Ol,lnt at t.6(Jl:)-441-acrrr,
You Mwst Notify Us WRen You Cliallge
Your Address
We sulve to k.e~ e~rate TeQ)rds f~yotlr'benl!ftt;,r'Id
ours.. il'te. post oUlre and, oEher:s. may notify us of a chane;e to
yoor adQl'eSS. Wh<:tl you d1an~ 4'01,.\1 .ddres9. 'YOU mtlSt. notify
us "pl'CImpdy of 10ur new address.
wh4t lAW. AJ/J>Ues
'i1'Ih~ Ac~mIlM IS madt In ~~Iaw.re:. a.nd we emend credit
to you 110m. DtlNare. This ^erf;e1M,nt i.sI. gClveme.d by U\;
laW'O Dr the 5ml. Qf Oel~wQ}e tW1mout r.,st\1. to lu: CQnftla ~f
11I..w plinclplll!ll Ind by iIony ;).p~lleabhl red~r~1 h,\M.
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'Trle PrDvisions of TfJ!s Ag'DaJlulht Are
;Sevara6le
It "l1Y PrQvlslOfl of this A.ij:recml:(lt is. jOl,lnd to be tr'lV31ki.
[the remilinine J)l'C"l,l.on'S W'ilt ~~inlJe to be: tif~ive.
lOur Rillhts COntinue
; OlJrtuilure or r.l~IAy in ewelSll'l.Q aftyOl our l1ibt$ uf.lCier
ithl! Aet~e.1'It does not rnenn thai; 'We are unable to t;cen;is:e
::':,:'5~-ri.:h~~~t~.- ....
:Arliitratlolt and Liti.9ation
11m Arb~t:at1on .nd LltlgationprovisiQn llI~p1il!S to }IOU.
luol~..l'>U "'... glven 1M cppol'lUnll'/ to reJ<<t Ih.. ...l'oi1nlion
l~nd l:.tt1tatton provisions. .al\d 'YQ\l did i!CI reject th.e:t\'l.ln the:
Imann... and 1Im......... ...qui..... If l"'U did "lea cIf<<fiololy
!:uen :l pl'Qvlalcn. }"'JU ;:r,v=d that Qn11iti~ti~ brouehrby yQu
ia.p.inst us rOEarUll\s this a=UM or this N;f'ftmCl'\ot shaUl:ie
IOl'01.lght In a court lotated in ~t: State ofDe1&.wlUe.. '
.a.-nr c;\i.'im gr di=pute ("Claiin1 by ,i~l!!!r )'01.1 or us againSt
~thc: otht!:l, Qr~eaJnst tht. em~loyeu. aslltntS. Or _ie-Wi r;lfthe
'other, arjsine frQm Qr 1i\;t\"S In 'Any we, to thi., Acreement or
( ,~my prl(lf ACTMmtmt Ot~'\I.t :lc:::cQuf\t Iwhethe~ ~f1der... ,
I ,statute. in c:onltaCt. l~n, or othcIwlst and \\l'~et'tter for ~
~ Id~me_. pln;r,ldcs. (:It dtdarlltonr Qr 'CqtJl.umt~ re:1i.d1, indud...
i :lng CI.l... regnTdlna Iho a~pllciibllity of thl. "'rblllatlon and
I 'U~I~,~IQn :ol;Q.;t\on Qr the va\lQl~ Dr tl\e entln: /l4reelfle.."lt Clt
: ;ony pl'lQ, ^l'1"emllIll, .hall be re$Olv<<l Or blndlhe Brbit..u"".
I ; '1'beBrbiuahon .h.1I bB Oond~<tlld Or ,h. NotlotIBl
:A:rbjtratiol'\ tot\lm ("NAF'l. onder ~ho Code.or procedure in
I Jeff..~ at tl'lEt tlm'" ths: Cl~lm 1; nled. R.\lllil& ilnd forMS !,f tne
iNationl1 A1biU'a~" Forum May bot: ObtBll:lea and t1alms may
. ',be 1~lod ot on7 1'I.lloneIArbif"lion ro,,,,,, ala.", ~
llfbrum.~1'T\. 01' P.O. a,olt '0191, MlnnQ;pOUs. M\nnes01:i1 ~'40~.
, ~eleph"". HOO""4-1:l1l. 11th. NAF'is "",hI<> or un\ll\lU~
f ito .aCt as arbltT.8tQ1', WiI m;;y subsdtute 8"othllaf nliiUonAU'i
\. ifQ:CQllInl~d.lndepenclE!nt aTbitta~ICll\ organizaticn th&i lJ~es a
\'f,hT\tlllt c.ocle of procedure. Ax your written request. we wl\1
1 iadViI1(.E! any filrbiuatlcn flllne ~I!, or adrnini5lU'ative pc:!. hoe:I11''''J\~
1 free" thlrt you are :equictd to J:o~ 1';0 'P'J"~I1Je a Oal.lti 11\ arbitrJtlorl.
m...e arhitnuar will der:lde who will bt l,l1titN;l.tely responS1b~
i 'fQT l'1lI'tir.e tho!/.'! r~. In no. event Win YOIJ ~ rQ(julred tQ
\ :~;mbl.lr$. us fQr iliny ::arbittat.\cn fill.ni. admini;trtlti'lJt or hear"
r linlJ fets 1n 8:'1 amount irtattt than whm ytlur' l;om ~t.s
:' ,w".ld have be.n \f lit, 0,1", hod \1oen "'.ivoe! In B otate
\ ;ooun wl<h Ivrltdlalon, My at'ol~lon hnrloi at ..hloh y<:>u
1 ;appel, ...i\1lOk. ~I.ce within 1M 'oderallvlIldal dlsl;rtct that
I llnd.... )'Our \>lnlng oddr....1 tM tlmo tho elm IS hied,
. lTtltt al'bltra'llOI\ acreernen.t 1S made pursuant to i. tra(\=~iol'l
~ ;lnv&.lng lntcet:lte: commerce. and shlU ~ pl:lmeO by tl1e
I ;F~lAtbltrllUonM1.9\l.S.<:'~WH6('FM'I.lud""'~1
) jupcn ~1'lY iltbit:;It'lQn award may bl entcrad In an, l:'OQrt n.v-.
: ;;n, ivrl.di(tI01l. The arbitrator .hall rollow ..istillC .ubotan.
I ~lv.l.w 10 tho ..toml consbtont wilh tho FM and appliolbl.
I ist~'t\Ite. of limlttltion, Il.bd shan hOl\Of My Cl.'m,.gr ~rlvi.lq=:
r."""l>e<l "V law. If 'ny partY ,.quests, the aroiUlltor .11311
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Write an Qplnll;irl ,CQl"ltslning tl'le reason, tor the award,
NQ tlalft'l submlttea to arbltt..tlOI:l is hea<<i ~ a Iur" and
no ClaIm may be brO\,lint8S ~ c\21SS a~\Qn or tiS a private
~ttomey etneilll, YOlo! do !':lOt have: the rilht to ad: as e t:la~
tepfelentati','e or ~artid~t' 'alii Q mambt:r cl a cl_ Of
daiml!lnt!; wltrl respe.:t to ,ny Claim. illts .Ar1::litr~tlon. and
L.itl'iBt.lon St~OI\ 3~'PltH to ell Cklirn-;; nOvot b'l exlsr.er.e:e: Qr
that m.~ art::e in tht future.
'l'hls ArbitratlQn ane! L..ltleMlcn .l:e~lon shall sul'\'iVi!' tne
1'~rm;t1BtiOJ'l .,f ']':)13r ~l;tQ'~rrt .....ll.h \.\S ~s w~1I ::I, ~rr! lJohlf'l~~T':'
~ymel'1t of \1IC c1ebt in full bY' )'Ol,j. 8M b~l'Ikfl.l?tcy by )'0:1,1.. or
..1. of the debt by os.
Fgr the IJtUPO;e$ or tI1ls Arbttril.tiOn al'ld. \..tl\~tiQn !:I:.d,\cn.,
'~e. .a%\d .u.- mQ:JN M.BN,'. nt\el'\ca. Sanlt. NA. Its 'Plrent.
S\,l'b'idiaries, Ilffl1laU$,li~C';. ptt:d.tc:!SSQ", SU<:Cd80I'!Ii,
aa1en'S, c.nd iIlY P1Jrl::h:acqr =-~ ~r iK:"':C"nt. :and all or their
QtnC'er&, dlr~or.s. lamplQyqs. a~nl$. IU1d a~aM, or MY and
_II 01 'hem. Addilionilly. "We- .r...... ,hon m.... .nythlt~
patty ~tOVidI.ng benefits. serv1as. Cl' productS In l;Qnn'lll:t\otl
with ~he '=n' (lncludll\ll bo' not Ilmi,.. '0 ""dit bureaus,
mercl\a"'lh.l .""'pt .ny .~It deol.. I..yo<! undflln.
~CQC:IU'l'lt, rewards or Itr\JQ\lment RI'\llces. aeclit lmu.f~nc.e
tomPtnl\;~. diCbt callectolt. and. ~~\ af their off\=:\':S. diTettl\l~.
employ..,. .nd ..en",) II, and "Illf. ",.h . thlo:l p."" Is
nBm~d by you 3S a coch!:fendlllnt In ,n,. C.laim you assert
iliildnj;LijS.
1f ~ny p:ut 0' thit Mbluex.\on ii1J'ld UtJtJl:lon ~Qrt h:
fcu1'\d LO l:It Innl'd or unl!aforeea~le \1T'lder C1~y 1.w or statute
tOn~~lll"\l with the FAA the teme:inder of :thl$ ^rb'itr;tjr;lrl ot\d
1.lt1tStlOn QQttlon s.h~H bit en{otc:eabl" wlthQut f1:SfJfd to 'SUch
ltwalidlt;f Qr \Il'\ef\'Q'~bUlty,
THe aESU1;. OFTHlS "l'tBI'lllAll0N "'CREEMENT IS
THAT, Eltcm Ni PllOVlOEO IIBIJ'fE, CLAIMS <;NINOT.e
l.rrtOATElllN COURT. INCLUDING 50ME CI.AlM6 Tl1,o.T
COUL.O HAVE 11..01 T1\IOC BliFO"l< A IUR'I. AS cv.ss
...C'nONS, O~ H; PRIV.~TE ATlOl\NEY C.N~ AC'I'ION$.
I~
M.aN.A p..merh:llI.:t \$ Q. t<K1e:rany r~lsteTtd €et'lllee TOJrk ot
MBI"ZAAm4'rlQl ..nk, N.A.
Q 2001 h.\BNA Amen"" B.n~. NoA.
NEA90 (Revised 4/2001)
EXHIBIT "B"
III
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NATIONAL
ARBITRATION
FORUM ill>
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 Ronald E Sparks
File Number: FA0306000165572
Claimant File Number: 4264299069240415
Ronald E Sparks
720 N Hanover St
Apt 4
CARLISLE, PA 170131592
RESPONDENT(s).
The undersigned Arbitrator in this case FINDS:
1. That no known conflict of interest exists.
2. That on or before 06/26/2003 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 Respondent has filed a response with the Forum and served it on the Claimant.
5. That the matter has proceeded in accord with the applicable Forum Code of Procedure.
6. The Parties have had the opportunity to present all evidence and information to the Arbitrator.
7. That the Arbitrator has reviewed all evidence and information submitted in this case.
8. That the information and evidence submitted supports the issuance of an Award as stated..
Therefore, the Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount of$6,636.43.
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H 0 leRiCh~
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: 11/25/2003
~ ~.\.~~
Honorable Harold Kalina
Director of Arbitration
11/25/2003
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SHERIFF'S RETURN - REGULAR
CASE NO: 2004-02249 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK N A
VS
SPARKS RONALD E
RICHARD SMITH
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
SPARKS RONALD E
the
DEFENDANT
, at 1405:00 HOURS, on the 27th day of May
at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE
, 2004
CARLISLE, PA 17013-1592
by handing to
RONALD SPARKS
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
.00
.00
10.00
.00
28.00
r~~
R. Thomas Kline
OS/27/2004
WOLPOFF & AB
Sworn and Subscribed to before
By:
me this 3 -w- day of
()......_ doo'/ A.D.
n ~ o. "J-n,;;,.j#,
'- ~othonotary
I
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2249
vs.
RONALD E. SPARKS
Defendant
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, RONALD E. SPARKS, for want of
ANSWER TO COMPLAINT.
( X ) Amount due
Interest from November 25, 2003
Attorneys Commission
Filing Costs
TOTAL
$ 6,636.43
$ to be determined
$ to be determined
$ to be determined
$6.636.43 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 his/her
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 his/her
Attorney of Record, if any, after the default occurred and at least 10 days prior to the date of the filing of
this Praecipe ;(}d ~:/", 0: the notice is attached. ~ ~
DATE: U I~(/I (j, Signature: I A
Amy F. D e, Esquir
ID No. 87062
Philip C. Warholic, Esquire
ID No. 86341
Wolpoff & Abramson, LLP.
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
NOW,_ )v---Ly q
, 20a!:!-, JU~S :NTERED
- Q,
Prothonotary/Clerk, Ivil 'lsion
~ ~n.-,.D .lP.71ldllJ/V(/
Deputy , L~
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2249
vs.
RONALD E. SPARKS
Defendant
( X ) Notice is hereby given that a DEFAULT JUDGMENT in the above-captioned
matter has been entered against you in the amount of $ 6,636.43 plus interest,
reasonable attorney's fees and costs, on 1...)", 1y q , 20~.
( X ) A copy of all documents filed with the Prothonotary in support of the within
judgment is/are enclosed.
i:~~!DBi)Z%
~ ~~ 9 7f~JJIJ1v
If you have any questions regarding this Notice, please contact the filing party.
Amy F. Doyle, Esquire
ID No. 87062
Philip C. Warholic, Esquire
ID No. 86341
Wolpoff & Abramson, LLP.
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:
RONALD E. SPARKS
720 N HANOVER ST, APT 4
CARLISLE, PA 17013-1592
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
vs,
RONALD E. SPARKS
Defendant
No. 04-2249
AFFIDA VIT OF NON.MILITARY SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF YORK
I, Amy F. Doyle, 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, RONALD E. SPARKS, above named, are over 21 years of
age; is last know to reside at nON HANOVER ST, APT 4, CARLISLE, PA 17013-1592,
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.
SWORN and SUBS~mED
To b~~jUl~S ~2~.
1j~t18we~~
Notary Public " , )
AmyF. YI~t-
ID No. 87062
Philip C. Warholic, Esquire
ID No. 86341
Wolpoff & Abramson, LLP.
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
COMMONWEALTH Of PENNSYLVANIA
I Notarial Seal
Dina A. Sweitzer, Notary Public
City of York, York County
My Commission Expires Apr J 6. 2008
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2249
vs.
RONALD E. SPARKS
Defendant
CERTIFICATE OF RESIDENCE
I, Amy F. Doyle, Esquire, due hereby certify that the last known address of the above
referenced Defendant is as follows:
RONALD E. SPARKS
720 N HANOVER ST, APT 4
CARLISLE, PA 17013-1592
Respectfully submitted,
Date: June 29, 2004
A yF.D e,e~
ID No. 87 62
Philip C. Warholic, Esquire
10 No. 86341
Wolpoff & Abramson, LL.P.
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
MAIN OFFICE
TWO IRVINGTON CENTRE
702 KING FARM BLVD, ROCKVILLE, MD 20850
BRANCH OFACJ;S
10605 JUDICIAL DR., BI-DG. A-5, FAIRFAX, VA 22030
1108 E. MAIN ST., STE. 1003, RICHMOND, VA 23216
5122 GREENWICH RD., VIRGINIA BEACH, VA 23462
919 N. MARKET ST., STE. 1300, WILMINGTON, DE 19899
1954 GREENSPRING DR., STE. 400, TlMONIUM, MD 21093
1 VAU.EYBPH<aDG., BOX 1226. a..AAKSEURG, WV 26302
2625 TOWNSGATE RD *330, WESTLAKE VILLAGE, CA 91361
267 E. MARKET ST., YORK, PA 17403
LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
Attorneys in the Practice of Debt Collection
(A National Collection Attomey Network Firm)
267 E, MARKET STREET
YORK, PA 17403
(TOLL FREE)
Hloo.758-0675
FACSIMILE 717.648.1146
~m~~~1lm~~~
BIRMINGHAM, ALABAMA SAN DIEGO, OALIFORNIA
ANCHORAGE, ALASKA EOGEWOOO, COLORADO
PHOENIX, ARIZONA FT. LAUDERDALE, FLORIDA
CABOT, ARKANSAS NORCROSS, GEORGIA
PLEASE DIRECT ALl INQUIRIES TO
YORK OFFICE
June 18, 2004
RONALD E. SPARKS
720 N HANOVER ST APT 4
CARLISLE, PA 17013-1592
RE: MBNA AMERICA BANK, N.A. / RONALD E. SPARKS
Docket No. 04-2249 (CP CUMBERLAND COUNTY)
Collection Matter
Dear Mr/Ms Sparks:
~1~Ah~~'ri~l!Plt:~;rfR~i ~.w~K
OF~i~ '8F wOL~01f'A8RA~s6N. L.LJ.:1 .
HONOlULU, HAWAII FARGO, NORTH DAKOTA
BOISE, IDAHO CLEVEl.ANO, OHIO
MERRILlVILlE,lNDrANA OKLAHOMA CITY, OKLAHOM
CHICAGO, ILLlNOtS EUGENE, OREGON
KANSAS CITY, KANSAS PROVIDENCE, RHODE ISLAII
LEXINGTON, KENTUCKY COLUMBIA, SOUTH CAROU"
METAIRIE, LOUISIANA KNOXVILLE, TENNESSEE
NEEDHAM,MASSACHUSETTS HOUSTON,TEXAS
SOUTHFIELD, MICHIGAN SANDY, UTAH
MINNEAPOUS, MINNESOTA MILWAUKEE, WISCONSIN
ST. LOUIS, MISSOURI RAWUNS, WYOMING
GREAT fALLS, MONTANA
OMAHA, NEBRASKA . The NIItlon,' Collection
LAS VEGAS, NEVADA Attorney Network I. en ,mllaltl,
MANCHESTER, NEW HAMPSHIRE 01 "pe"'~ l,w IIrm..
CEDAR KNOLLS, NEW JERSEY W&A HoUls of Operation:
SYOSSET, NEW YORK
RALEIGH, NORTH CAROLINA 8 a.m. -11 p.m. E.S.T. M-F
ca
<<J)jQ> lP
We enclose a 10-day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil
Procedure.
Sincerely,
WOLPOFF & ABRAMSON, LLP.
Philf!c~~lic, Esquire
PCW/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. 04-2249
vs.
RONALD E. SPARKS
Defendant
TO: RONALD E. SPARKS
720 N HANOVER ST APT 4
CARLISLE, PA 17013-1592
DATE OF NOTICE: June 18, 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 (1 0) 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: ~
e tJJ.~
, Esquire
Amy F. Wolfs
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
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
No. 0422419
Plaintiff
vs.
RONALD E SPARKS
720 N HANOVER ST APT 4
CARLISLE PA 17013-1592
Defendant (s)
PRAECIPE TO SETTLE AND SATISFY
PLEASE MARK THE ABOVE-CAPTIONED ACTION AS SETTLED, SATISFIED AND DISCONTINUED.
Respectfully submitted,
By: I (' lJJ~
Amy oy1e 1187062
Daniel F. Wo son 1120617
Bruce H. Che kis 1118837
Philip C. Warho1ic 1186341
Ronald M. Abramson 1194266
Ronald S. Canter 1194000
Donald P. Shiffer 1189451
Andrew C. Spears 1187737
WOLPOFF & ABRAMSON, L.L.P. / Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trind1e R',ad, 3rd Floor, Camp Hi 11, PA 17011
(717) 303-6700
cc:
PAPR4/PA176A
W&A FILE NO. 107761537
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