Loading...
HomeMy WebLinkAbout09-4782IN THE COURT OF COMMON PLEAS OF CUMBERLAND AMERICAN EXPRESS CENTURION BANK 200 VESEY ST NEW YORK NY 10285 Plaintiff VS. AFZAL SHAH 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 Defendant (s) Civil Complaint Filed on behalf of: COUNTY, PENNSYLVANIA NO. Oq -y78A Cif L tTGrm CIVIL ACTION - LAW Plaintiff, AMERICAN EXPRESS CENTURION BANK Counsel of record for this party. Date: vl?- / - avid R. Ga owa /Philip C. Warholic #86341 ra Ehasz #86469/Robert N. Polas, Jr. #201259 Amy F. Doyle #87062 Mann Bracken LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 Telephone: 866-253-0128 Fax: (717) 737-9051 Counsel for Plaintiff Cover - General PACVR/PACVR FILE # 188315993 012 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK NO. 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 Defendant (s) . 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 are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. 200 VESEY ST NEW YORK NY 10285 Plaintiff VS. CIVIL ACTION - LAW AFZAL SHAH Lawyer Referral Service Cumberland County Bar Assn. 32 S. Bedford St. Carlisle PA 17013 800-990-9108 CVRNOT/PACP7 FILE # 188315993 2 018 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK 200 VESEY ST NEW YORK NY 10285 Plaintiff VS. AFZAL SHAH 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 NO. 09- 1/7S.4 L i .sue( -7Z,..., CIVIL ACTION - LAW COMPLAINT Defendant (s) AND NOW, comes the Plaintiff, by and through its attorneys and the law firm of Mann Bracken LLP, and files this Complaint and in support avers as follows: 1. Plaintiff, AMERICAN EXPRESS CENTURION BANK 1 located at, 200 VESEY ST NEW YORK NY 10285 2. Defendants, AFZAL SHAH , is/are adult individual(s) with last known address(es) of 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 COUNTY OF CUMBERLAND 3. It is averred that Defendant(s) was/were issued an open end credit card account. 4. At all relevant times material hereto, Defendant(s) has/have used said charge card for the purchase of products, goods, and/or for obtaining services. 5. Defendant(s) was/were provided with monthly statements showing all debits and credits for transactions on the Account to which there was no bona fide objection by Defendant(s). A Statement of Account summarizing the Account is attached hereto as Exhibit "A". PAC1M1/PACP7 FILE # 188315993- ?e 2016 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK NO. 200 VESEY ST NEW YORK NY 10285 Plaintiff VS. CIVIL ACTION - LAW AFZAL SHAH 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 Defendant (s) - NOTICIA Le han demandado a used en la corte. Si used quarere 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 o en persona o por abogado y archivar en la corte en forma escrita sus defensas o sus objeciones a last demandas en corta 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 o notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. Used puede perder dinero o sus propledades o otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSITANCIA LEGAL. Lawyer Referral Service Cumberland County Bar Assn. 32 S. Bedford St. Carlisle PA 17013 800-990-9108 CVRNOS/PACP7 FILE # 188315993 2021 6. As of the date of this Complaint, the remaining balance due, owing and unpaid on Defendant's credit card account as a result of the charges made by said Defendant(s) and/or any authorized users in the sum of $ 1194.01. 7. Despite reasonable and repeated demands for payment, Defendant(s) has/have refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 8. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 9. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $ 1194.01, plus costs of this action, and any other relief as this Court deems just and reasonable. fully Submitted, David R. llo-fty #8732 Philip C. Warholic #86341 Sarah E. E asz 469/Robert N. Polas, Jr. #201259 Amy F. Doyle #87062 MANN BRACKEN LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 866-253-0128 2 PAC1M2/PACP7 FILE # 188315993 20 42 VERIFICATION The undersigned hereby states that he/she is the attorney for the Plaintiff who is located outside of this jurisdicition and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. David R. Galay #873, /Philip C. Warholic #86341 Sarah E. Ehasz #86469/Robert N. Polas, Jr. #201259 Amy F. Doyle #87062 Mann Bracken LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 Telephone: 866-253-0128 Fax: (717) 737-9051 PAVERF/PACP7 FILE # 188315993 EXHIBIT "A" EXHA (10/09/08) 1 . to a xp ? ? ? ? H ? i ? Oc? O ? i 1 0 Pb] ? ? to y N r ? y? Y 04 ? ? ? ? ??i ? ' Y. ? i d1 1 i o 0 o M in in o Y N 6 ? 0 - w y my r v .o x o? O a • r oo 1 O 0 0 N ? r m W r o r o w Z r y a o o u1 m ?? QOO i ii 1o H z » r • M w N ° o o ~ w N o b 7?? N %* W n Y a o N N • v o r ? y H N w » • p ? r O N N N w n p ? ae a • r D 10 y ? (] p? 't0! ?q "tC1? ? y y y " iH9 ?+ • r r U1 H «cr H "MI ? ; a ? Yy ? y H ? y s r J r H 1 ?J! ?7 Nd "?1? 1 f?] 1 i 1 i 1 i 1 1 ? 1 'A 1 C W ?J it 0 4 ?1 7 . N ?y M 1071 y40 ?? N roil o o Q z C H o y til 1 1 , 1 1 N a°i n V 1 H r ? • v • v N a a O r ? ?N M ( 77 tt N N N a O Z 1 e ? n] H H H M N In C AC ?O fA M • s ? H d ? 1 • . j 1 1 ? 1 ? 1 to W 1 M s r O w m I to r 0 ... i '", i r,i I h.?Y LvU7 J ti i 7 Ni, Cii.l?J' ,._ 'ter $18 . So P 0 kTr/ crl*3a'I3ot eT uB i Ufa Sheriffs Office of Cumberland Count' F1LED- -TICE R Thomas Kline OF THE c;^; TH"' O-r NAW Sher „tp qt ?uMbArl Ronny R Anderson 2009 JUL 22 PM 3: 17 Chief Deputy ? Jody S Smith CUM" -f Civil Process Sergeant OFPiCEQF;''='-ERIFF PEA' Iy3(L IA j i Edward L Schorpp Solicitor American Express Centurion Bank Case Number vs. Afzal Shah 2009-4782 SHERIFF'S RETURN OF SERVICE 07/21/2009 06:45 PM - William Cline, Deputy Sheriff, who being duly sworn according to law, states that on July 21, 2009 at 1845 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Afzal Shah, by making known unto Shakila Afzal, daughter of defendant at 647 Cumberland Point Circle Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $37.00 July 22, 2009 SO ANSWERS, i Qa:W W ? ,,s r R THOMAS KLINE. SHERIFF Deputy Sheriff Zm"i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK NO. 09-4782 200 VESEY ST CIVIL TERM NEW YORK, NY 10285 PLAINTIFF CIVIL ACTION - LAW VS. AFZAL SHAH 647 CUMBERLAND POINTE CIRCLE MECHANICSBURG, PA 17055-5490 DEFENDANT August 04, 2009 File: 188315993 ANSWER, Comes now the defendant, to answer the Plaintiff s complaint as follows: I am being sued for neglecting to repay my credit card debt with American Express. 1 am a hardworking individual with responsible work ethic and until now, an exceptional financial record and concern towards spending habits. With three children in college, and a limited salary, I obtained this credit card in order to fulfill basic needs related to educational and other necessities. I have not, nor do I intend to ignore or neglect my responsibility to repay my debt to this creditor. I have repeatedly informed them various methods of correspondence, that I am undergoing extreme financial hardship, and cannot afford to repay this credit card with such high interest rates continuing to accrue more interest than I am able to pay off. In order to pay off our debts, and avoid bankruptcy, my family and I elected to participate in a debt relief program, of which we notified the plaintiff. I have enrolled in Freedom Debt Relief in order to improve my financial situations, rid myself of debt by being able to repay them a reasonable, settled amount, which I am able to afford. I am regularly making payments to Freedom Debt Relief. However, the plaintiff, unlike other creditors affected by my situation, outright refused to understand my hardship and filed a lawsuit. I am a good citizen, and to avoid the lawsuit, I tried to settle the account. I loaned money from a relative and have negotiated with the creditors representative law firm, Mann and Bracken. On Wednesday July 29, 2009,1 settled the amount to a FULL resolve for $850.00. The case manager has informed me that upon receipt of this amount, debited for July 31, 2009, this account will be resolved in full. Thus I have made payment and this correspondence serves to respectfully inform the court of my attempts to pay my debt to the plaintiff. Sincerely, Afzal M. Shah IN THE COURT OF COMMON PLEAS OF CUMBERLAND AMERICAN EXPRESS CENTURION BANK 200 VESEY ST NEW YORK NY 10285 Plaintiff VS. AFZAL SHAH 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 Defendant (s) Date: Civil Complaint COUNTY, PENNSYLVANIA . NO. (A AISA CtVt l te'rk CIVIL ACTION - LAW CII Vv Filed on behalf of: Plaintiff, AMERICAN EXPRESS CENTURION BANK Counsel of record for this party. David R. Galloway #87326/Philip C. Warholic #86341 Sarah E. Ehasz #86469/Robert N. Polas, Jr. #201259 Amy F. D yle #87062 Mann Bracken LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 Telephone: 866-253-0128 Fax: (717) 737-9051 Counsel for Plaintiff .. dpi F? ON11 21ERD In Tg ftiy wherea!¢ h 1P,1'8 us1ta s a my harm ww ? said Cot, a# Cat".;, , 4. Cover - General PACVR/PACVR FILE # 188315993 Lvil IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK NO. 200 VESEY ST NEW YORK NY 10285 Plaintiff VS. CIVIL ACTION - LAW AFZAL SHAH 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 Defendant (s) 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 are served, by entering a written appearance personally or by an attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. Lawyer Referral Service Cumberland County Bar Assn. 32 S. Bedford St. Carlisle PA 17013 800-990-9108 CVRNOT/PACP7 FILE # 188315993 ZU14 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK NO. 200 VESEY ST NEW YORK NY 10285 Plaintiff VS. CIVIL ACTION - LAW AFZAL SHAH 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 Defendant (s) . NOTICIA Le han demandado a used en la corte. Si used quarere defensas de esas demandas expuestas en las paginas, siguientes, used tiene viente (20) dial de plazo al partir de la fecha de lademanda y la notifiation. Used debe presentar una apariencia escrita o en persona o por abogado y archivar en la corte en forma escrita sus defensas o sus objeciones a last demandas en corta 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 o notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. Used puede perder dinero o sus propledades o otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSITANCIA LEGAL. Lawyer Referral Service Cumberland County Bar Assn. 32 S. Bedford St. Carlisle PA 17013 800-990-9108 CVRNOS/PACP7 FILE # 188315993 6V1/ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AMERICAN EXPRESS CENTURION BANK NO. 200 VESEY ST NEW YORK NY 10285 Plaintiff VS. CIVIL ACTION - LAW AFZAL SHAH 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 Defendant (s) COMPLAINT AND NOW, comes the Plaintiff, by and through its attorneys and the law firm of Mann Bracken LLP, and files this Complaint and in support avers as follows: 1. Plaintiff, AMERICAN EXPRESS CENTURION BANK located at, 200 VESEY ST NEW YORK NY 10285 2. Defendants, AFZAL SHAH , is/are adult individual(s) with last known address(es) of 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 COUNTY OF CUMBERLAND 3. It is averred that Defendant(s) was/were issued an open end credit card account. 4. At all relevant times material hereto, Defendant(s) has/have used said charge card for the purchase of products, goods, and/or for obtaining services. 5. Defendant(s) was/were provided with monthly statements showing all debits and credits for transactions on the Account to which there was no bona fide objection by Defendant(s). A Statement of Account summarizing the Account is attached hereto as Exhibit "A". 1 PAC1M1/PACP7 FILE # 188315993 ZUZU 4 6. As of the date of this Complaint, the remaining balance due, owing and unpaid on Defendant's credit card account as a result of the charges made by said Defendant(s) and/or any authorized users in the sum of $ 1194.01. 7. Despite reasonable and repeated demands for payment, Defendant(s) has/have refused and continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 8. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 9. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff respectfully requests this Honorable Court enter Judgment in favor of the Plaintiff and against Defendant(s) in the amount of $ 1194.01, plus costs of this action, and any other relief as this Court deems just and reasonable. Respectfully Submitted, David R. Ga1Z owlf #87326/Philip C. Warholic #86341 Sarah E Ehasz #86469/Robert N. Polas, Jr. #201259 Amy F. oyle #87062 MANN BRACKEN LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 866-253-0128 2 PAC1M2/PACP7 FILE # 188315993 LUL3 11 VERIFICATION The undersigned hereby states that he/she is the attorney for the Plaintiff who is located outside of this jurisdicition and in order to file the within document in an expedient and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of his/her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. COPY David Galloway #87326/Philip C. Warholic #86341 Sarah Ehasz #86469/Robert N. Polas, Jr. #201259 Amy F. %oyle #87062 Mann Bracken LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 Telephone: 866-253-0128 Fax: (717) 737-9051 PAVERF/PACP7 FILE # 188315993 •' H ? O t1?0 O i O N r ? ? • O C f? 33 W i O O 1 i r O O 1 3 1 ra H U N Y ? ? b ? K ? rA N x y 1 1 ; ? tl y ? to a1 I y C to O b .?' Ea Y ?O .4 r m 1 i o Y r o w Z pl N m ? q p '? 1 1 1 1 w ? 1 O 0 ?o v ? 3 • o? 3 w p q 1 u o w N r '' y o ? H y o o i b 0 1 i i O v e v Y O .'L7 A M W 7. O ( ] () O 10 O . V . y N N i Y 'Z N i 1o H i ppl7 ?C 3 la N i ro 70 In N y a (s ? N (q IN N fA n nD n x • o i Y ??yI r f] yyyy ss ? n n Q A C j b s 6? i i r n W FA G) H i o 1 d l7 T ? 91 H H - s N ! ? HHH ! ?pp ? , ' ` ? y 1 t N FA H H '+0 i T ? ? ? Y 1 1 ?0 70 ? Y ? ? y ? 1,7 1 1 1 ? ? Tyj O H $ n 1 1 1 ! ? ^l F] 111 1 1 ; 1 1 1 1 1 bj O 1 W C ? N U1 O r O Q ?" .4 Y z N y i 1 1 1 ? O N y p J ? ? U' ?1 b U A Z Y y' 1? M 711 A ® Q u o x v a Y N N ? N ? O A • UI W M M O ?C nn ( ] M Y p { 7 Q fn? tj (a 70 H H ?] • y b 1 1 1 I I Y 1 1 1 N O W 3 3 UI W ? { t ' Y G] lb • Y _ ? .._ . ?41.3? ??? 4 t'i t r, ? ? ? ?„,y. ? r ? 1'._; i .' I i'• 251 IN THE COURT OF COMMON PLEAS OF CUMBERLAND AMERICAN EXPRESS CENTURION BANK Plaintiff VS. AFZAL SHAH Defendant (s) COUNTY, PENNSYLVANIA : No. 09-4782 CIVIL ACTION - LAW PRAECIPE TO SETTLE, DISCONTINUE, AND END To the Protonotary: Please mark the above-captioned action as settled, discontinued, and ended. Respectfully Submitted, Date: By: David R. Qgll-oaay #87326 clip C. Warholic #86341 Sara E. nnasz obert N. Polas, Jr. #201259 Amy F. Doyle #87062 Mann Bracken LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 Telephone: 866-253-0128 Fax: (717) 737-9051 PRAECW/PA176A FILE # 188315993 261 IN THE COURT OF COMMON PLEAS OF CUMBERLAND AMERICAN EXPRESS CENTURION BANK Plaintiff VS. AFZAL SHAH Defendant(s) CERTIFICATE OF SERVICE COUNTY, PENNSYLVANIA No. 09-4782 CIVIL ACTION - LAW The undersigned does hereby certify that a true and correct copy of the Praecipe was served upon the individual(s) listed below by Regular Mail, Postage Pre-Paid on (I I . AFZAL SHAH 647 CUMBERLAND POINT CIRCLE MECHANICSBURG PA 17055-5490 David R. Ga"?oway #8732NPhilip C. Warholic #86341 3`ara Enasz #aa*67ntobert N. Polas, Jr. #201259 Amy F. Doyle #87062 Mann Bracken LLP / Counsel for Plaintiff Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300, Camp Hill, PA 17011 Telephone: 866-253-0128 Fax: (717) 737-9051 PACERP/PA176A FILE # 188315993 FILE li,"' LE 2009 CE? -3 Pi"'1: C6