HomeMy WebLinkAbout04-2281
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL VANIA
MBNA AMERICA BANK, N.A.,
Plaintiff
NO. 04 - -;J:J.PI
C/'ull'-r~
vs.
CIVIL ACTION - LAW
BARRY STARNER,
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 IMMEDIATAMENTE. SI NO TlENE ABOGADO 0
SI NO TlENE 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 ESCRITA ABAJO
PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSITANCIA LEGAL.
Court Administrator
Cumberland County Court House
I 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. 04 - ~)'PI
Qic..>'~C, €!Uvt
vs.
CIVIL ACTION - LAW
BARRY STARNER,
Defendant
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 ofthe United States,
with its principal place of business situated at P.O. Box 15718, Wilmington, Delaware 19850.
2. Defendant, BARRY STARNER, is an adult individual with a last known address
of 405 CASCADE RD, CUMBERLAND County, MECHANICSBURG PA 17055-5520.
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 aforernentioned 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 A ward 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 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$26,252.35.
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 of the 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 ofthis action have been
performed by Plaintiff.
2
14. The amount in controversy exceeds the jurisdictional amount requiring
compulsory arbitration.
WHEREFORE, Plaintiff, MBNA AMERICA BANK, N.A., respectfully requests this
Honorable Court enter judgment in favor of Plaintiff and against Defendant, BARRY
STARNER, in the amount of $26,252.35, plus costs of this action and such other relief as the
Court deems proper and just.
Respectfully submitted,
e
SON, LLP
et
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 ofthis 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: May 7, 2004
EXHIBIT "A"
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Your Contract WitT, Us
Vour Credlt Cord Aereemont with us ~Qns;ol' Qf th...
Additlofla( 1'IltlM arrd CQnditiorl:llnd thedOC:tJtnent (al1ed
the RwalllM;d Fc;:dl;l~1 pi.Oeloll'llres. ()l' t:h~ lMtl~1 OfsdoSUTe.
YgU =cr~ to the tl!rms and conditions or th1s.,ACTHm'T'Il, Fer
tho purpose of th. Prifll~ Noli:<, w. wllJ UI. tn. aelJnlllon.
~"tafnl!d in the third j:'.llU3enlph. elf the pnua'fl N4t/Ct. 'or the
rMlulinder of tne ngrtemem. Wi wilt \,1$6 th. doflnft.lor\s
desC";ibed \,.Indet to'! sectl.on neadlng W6fl!S t.lsd Ofwll~
TIiI< Agn.,,,,,,. -
PrillQCl/ Notice
Your priV;lc:y I$lmpoltlUlllG us, No MBNA. we ~'"
<ommitted to prcvid~ you with the finest twndal
producls and servi<es backed by COtl$lstently tapoquality
SlIr,i<:a. And wl1ilo Intormadon about you 1$ lundamentll
l<l our ~bilJl!' to do thiS, ';J. wily reCO€Jlite thlllmportance
of keepin\l personal and o=nt in"""""lion .e<ure.
1'0 offer you the wld~st 11111\l" of producls and I.NiCOlS,
MaNA may share In/ormation about Yatl bclth within
MaNA and outside of MBNA with other comp.nj...
This allows us to offer ~ou products and "'M~ tllot
may Interesll'Olj and besr meet your'needs, wIt.lher
they .t. .v.i1~bie di'edly from MaNA or throulln oor
~a.ticnshlp$ with other companies. We want you to
understand our information ",~rds, what I~rorll'latlon
we col1~. what wonnaticin we sl1are. and the beneli1e
ycil"~ivewlten ~ shere Information about yo.:
.Thl. notice des<rlbes .the prlVllCy i>ractl<:es of MBNA
COrporation ano all MBlIlAafflllafes,lndudlng MBNA
Amepca Bank. NA. M.BNAAmeric:a (Celaware). NA.
Pt!1Ia'dian Trave! SeM",,", Jne., MENA Hallmark .
In!ormatlon Services, Ine.. M6NA Mari<etlllf System..
Inc., and MBNA InsUrance Agency. Inc. IcolleCllvely.
'MaNA"). for nnanclal products and .ervlc"" coverned .
bi Ih.lews ollhe United State.. of Amor;"". rhi.
notice e.plains MBNKs Iniomlatlan rollection ano
sharing practices and lets you <:hoo.. whet!\er Or not
MBNA rnay sliare certain Iniormation about YO", either
wthln MllN^ or outside of M6NA with otJ:\<lr """,pantO$.
Our SeCllrl!l' Proceclureo: MElNA understands rhe
import.nce of protectL'\lland .ecuring In19mation and
Using it appropriately. AcCl!5$ to informatiOn about you
Is restrlc:t~ to tho people or MSNA who ""lube It to
."ovideo prodtlas at oeMC.. to you. We maintoin phy,;i'
ell. electronic, and proc:edml safeguards that comply
with fedoral standards for the security of infonnatlOn.
. When MBNAsha",.lnlorm~tiOn ;boutYOtIWllh
"omparll.. outSide of MIlNi\, .... Te(tuire them to
Impose safeguards, use It only far Q pcrmlttlld purpose.
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and 1.0 rliltl.:rn II. to us or destroy it once that purpose Is
S<:irv~d. We limit the amount 01 inl~rmallon shoted to
",hat Is appropriate to off.r. produ<;l or servke etn-
ciently, M~NA requires any company rOl;eivlnl! in[oc.
, matlon from MBNA to si{lt1a Confidentiality Agreement
containing these requirements and oblleatil\ll that
como.ny to proto<:t the inlorm.tlon as we would.
hliormutioi'l \;'G C~;e..-l :w~Q~':;\ ;;:.oll::cl: ::':'i.d USe1
nonpublic person.l informatiM about you 10 condutt
our buslne.. .nd to con.istondy deliver the top-qu.lity
Cuslomer ser.tic::e you v;~ct h'Qm us. $QU~ of this
inr~rm.tion include the followIng;
. Information we n::lceNl!! from you on applications
a"d other Ill"". or through your c:o=pondenea or
<:ommunlr,ation wltl' us including through the mail,
by telephone, or over the Internet:
. Information wa ro<:eJve from ,hird parti"". ouch as
consumer re""clng aeenctOS. to verify stat.man<<
you'Vla m~de to us. or )'egil1c;ling 'Yo~r employment.
eredlt. or other relationships: .nd
. lnronnation about your lrllnsao;tlon. with MBN" and
with oth.r rompan'.. oUlSldt of MBNA.
Inform8'IOD We Share WithIn MllNA: We may
sh.re .ll of th~ Information w. coUe.t obout you with
rinanclal service companies within MaNA to olr..- addi-
tional products or salVlC6 that may imaresl you and.
bes' meet ~our needs. We bell..,. this i. ~nvenlant
fQr lOU and may .ov. yOU both lime and money. To w
SQ. we shara identillcat!en Inlormatlon IS1lCh .s name
ond addressl.tran.actlon and experlenee Information
(such as pureh..., and payments). credit eligibility
In(ormation (such as ~It reports ano applle.tlonsl.
and other information. The deeislon to purchase al1)'
$l,101 products or ~lces lsycUIS alone. You m,aytell US
not to share credit ell<<lbility information about ,'Ou with-
in MSNA. butplellse undellil'and this dees "",prohibit
U:!I from offering you adclition<\1 produr;ts an4 servi<<s or
from sharing trans.otion and ""p."lonce. id'ntlDca~on,
and other in/ormation wiWn MaNA.
Information W. Share WIth Oth...., From time to
time. we may allow c:ompanles OufSlde of MBNA to of!.1
yo. their products and seM...that may Int~ IOu. '
These product. and .ertices may be ofCel'<>d by Rnendal
service providers (sueh as banks. loon bro~r:s. oa:ount
aiErEQlltQI'l'.lnsunnee ~g.nt&, Insurance C:Ol1'-ll/lI1les,
mor<eae. bankers. and ncurlti.. broker-dealers), by
nonfinancial C:Ompan!e; ($uc:h os ..tailers. dlre<:t mar-
keters. comfT\unl~tlons c;crnp3I'lies. Int~Met sll:l'Yiee
i'ruvjders. m9nufacturCl'i'. seM~ ccm~ni"'G, nveJ
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~g.nl<, <rUlSeUnes. car rental iiliencles. hot.ls. airline,.
publish"",. and organization. ""do~lne MIiINA financial
ptodu<I:ll 0' H"iees). end others (suel> as n,,"prom
o,@anlmtioM). SubleCllO epplh;able law. we may shate
.11 the information we collect with these Cllmpani~ OUl'
.ide 01 MeNA. unless you tell u. nat to.
Additionally. we may share all the information we
eolle", with et>mp.nles that perform macketllli 01 other
.elVieos on our behalf or to other finend,l in.titutlons
wit.t... "J.'hit;tl Wit have jo'i1ii markerlt\~ ~reemCI1t3. We
are al.o permlttf/d by low to ,harv Information about
yoU w~h other comp,,"i.' in <:<lnain elrCllmstences.
For inStanee. we may shaTe all 0/ the in/ormation we
eollet;t with compani.s ...Istin& us In serviCIng your
loan or ..<:ount. with companies that end or.. our
products and .ervices throueh affinity e<<reemonts,
with ijovemment enti~les in tdponse to 5l.1bpoe.nJls or
r"ll"l.tOTY reQuirements. and with consumer reporting
.gende&. If you teIr us not to ~hare Information with
oomponl.S outsld. of M!lNA that wish '0 orre, you
their produots and $.rvJ~., as de.cribed .bO'!<!. please
und~rstend that we wlll.:ontinue to share information
In th~se additio~1 clrcam:stances.
Imponaut 11Iformadol1 About Yoor ChoICCl We',e
dedicated to .ervlng your needs. and to respec;lne )'Our
ChOlCiS relsted to priVil;y. You may teU us not to. share
<redlt eligibility information w;tNn MBNA. and you m.y
tell us not to share Information with O::lrnp$nies outside
or MBNA th.t wish !oofferyou thelrproouas and$elVl<:es
as deseribed above. If vou wish to opt o.,r of such
Information SMong, please call toll-lree 1-80<)-1$!.I2SS.
we will ..k YOU to verify your Identity and the spqdJic
aIXODnls 10 whioh the opt out applie., .0 plesse ha.. ell
your account. membGlrsn ip, or ~rerenc:e numbers and
your SO<:lal S<lcurltY number 0'11Il<j>ayer Identification
number lor deposit ao:ounts available when you <:ali.
MaNA applle.opt Olm> at tI1e .cx:ountJoveJ.nol by
Individual Cu.tomer. When any person liSted with othe..
on an a('COunt OPt. out Ifo' _mple. . c:o..ppUcant.lolnt
.coount holdeT. eJf authorlzl!<l userl. wewillllst the en~'.
a.cxount as having opted out M8NA wiJI (ontln\le- to
adhere' to ItS disclosed Ilrlva<:\, preCCi09S for an a<:<.'Cu nt
even if it becomes inaaj~ or IS c1osecl.
An opt OUt from Informetlon sharln2 on an account
as des<:ribed .bov., eith.r within MeNA and/or with
cornpant~ o~r;ld~ or MBNA, remains .ffeaJYe unless
revoke" i" writini. federal reeulatlons reQuire u. to
provide this notice on an annual basiSi, whether or not
an .ccount ha, provlously opttd OUt from elmer ljpe
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or il'lrOtl'tlation sharinl$. PleasEll"t!member when YOIl
~iv. our sub""quent nolices that an account pri,^ously
Oilwl OU! ftom Gither or both tYPeS of InformatlOO shaT1ns
land nol revoked in writiog) does not need to be opred
out qain.
Thi.$ notice updates: and replaces any pre..'lo\l$
notices Irom MaNA about the pT1Vi<:l'. seOJrity. and
protection of Information. For .ddltlOnallnformation
r~garding M9NI\:S privacy prac:;tltes c:oncemine the
In~crnct. and to vlew the tnos~rec.en' version of this
privacy Mlle.. please 110 to 'NW'!' mboA ~m and did<
on "PrIvacy Ncth::l!.. 'YQU may ha'lEt O'l;her privacy ptO~
tectlOns under state laws. W. ",oy amend thit ptiva<)l
notice at any lime. and we will Inform you of chanie5
as required by iaw.
W~rds Used Often in Tiiis Agreement
.Jl4Ieement" or ~Credit Card AQ'l'ttment'" mtanS these
Addltlenllll Term.s and CgndiCiOl'ls oIInd the ReQ~ired F~cletal
Ois'lo$wC's lOt the inItial DisdO$urellino IlIny eh.anot:S W(r
ma~ tc thcsCJ dOCUmeIlt1 from time to time.
"VtlU" t1l'1d .your" m~Qn Qach and .:all of tM perloI\$' wl10
are- ere(\t~d. accept. or I,lfl''' an ilCCDI.me we hold. ~You" and
.you!"" 111'0 mean any other perscn ur-ho h., iuaranu!:-ed
paym'enE ofUlil: ;ccount. when used In the SE!c:tio"~ cntil1ed
w, May MOlllr.cl'r cUll( Rez:G", TtlIP~41ff Calls and ^rbllTo1:rllrn and
U!lfllui~n ;and when u5I!d In i!:!ac:h of the sec:tIClJ\s ttfatins to
pbYl'llcnt 0/ this account (VIlllr Promise to' P4fi, end HwWr
AlI"""ltYO'.c4r Pdym~"!s, for examplel.
~.. "'u!,....o~:".and..MaNhArnerlc:a,. mllilP MBN'"
Am;rie:!l e..1'lk., ~.A.
"Ca.rd" mean$ all th" ~edll c::ards w4 l;Su~ to you and 'CO
~ny other pt~ with ,vthOl'iUltion tQ 1J$If thi:s .aCCQ\.1f'lt
J:lurs:uant to thi~Aereemem.
"Ao::e:" ck~~ means an a",~ check we 'PrOVide. tQ you
te make i Che~ Cash Advbnc:e C)f\ your "~QVTlt.
Uwe U.9Q Q o;plr.:lliztd term In this ttol::i.l.rnentbtlt de not
dQ-t1/'lc th(! te:ml In lh\, dQalmQn~, tho w.rm hiS the rtlCOanlng
elvEn In the' ReCjull'C!ld Federal Ol,c;lo.'i\lre$ Ql'1hQ Initial
Oi~IQ~a,lre:. Ot a~ Lmec In your mQnlhly 5t'<llll'tnenr.
We UM ~ic:," headings (sum as W~ms Used o/m i111fds
AgA'mlm(] to ore:aniie ttlil Acrwmr:nl ihe aaval ~etm5 of th19
Aeretment ore: in the sel'lte~ that fQJIQW and not the Mading;.
Siqn YO!CT Card
You shoulO $lgn yt;!ur arrd bafort you use tt.
'We Mall Monlfor Md Realrd Tele"lWlle Calk
'tOl.l /;onllellt to ilnd ~uthorlz. MIN,A. Am4!rta. ,I1Y of~. .
i1fnllates. ar It:;: ltIarkirtlft! ;!'!:SoClates [Q monl~'t indlor re(Or4
.nyof yo"Jr tc:lephol'le. mnWlSiltlQn" with 0\11' ~~resenta~iVE9
or the l"epfesQn~tivu ol flny (;If those eQrYlpiilnies.
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, .cr~dit RermtiJU/ Agencies
'YOY avthori;e MaNA Amcric;;:a to 1;O1l~ inlorrr.a.ttol'l .I;oul
you. il1c:Tudlns. credit reporm Ircm oO::\n$Umet reponine ast:ldt:;;.
I 1f you belle\le 'Nt haoJl! turnlsned Lna<;c;uratC or incomplete
I In'orrnat10n {about yg1,l. Qr YQur ;u:c:oun~ 1;0 .. C11K:ltt repgrUn.e
: aseney, writ. \Ij;i ;tl M9NA. Crocflt'"ffeparong ^eendu. P.O.
I Box 170'4, Wilmington. DE J9.sS4-iO,.4. Pluse inc1".dllllyour
, nem1, E1ctd.reH. hQmo phone nU1'l'\~r, 31"1d ::u::CI)Uflt number.
a.nd Bxplaln whst you l:IaJltve: Is Inaccurate ortnC)~!llele-. _0' -_.
H()W tQ Use YOllr Account
YOIJ m.y obtain credit In tht 1QrrTl 01 PUlc:.hases and Cl:Ia<h
AdvinQl by, v$1nft }lOUr cards. :a.casa ch.da. ;:c;eount num~r.
t or othtr Cftdit del/1C1!S, .plt. rerer toyour Req\lln!Q F~e:ral
l D.tt.Cl09ures. or U'l!tial Disclosure tQ 'detQJ'mine what tram~
I' tlQrl$ ~nstitut'il PUl'<:Wl!:S Ilnd. Cll.sh Adv~l\c8'S and. how)'Q1.I
ml1Yob~inthem,' .
,
: Tnl/lsaction Dale for ~in eas/i Advances
I '!lie ow.Clio. <late lot Ch.... Cash AcIvonoes '.0 BOla...
i Transfera dOn~ by d\eck is ~h, dsl:~ you Of the pefiQn tD
'! who,," Lh. "hod< i. m~ PlIl"1blo RIOt dol>o<lt< or ",shes the
, th,oI<, The ,rooaac:lion CUlt. lot . ret1m\.4 ~.ymont (whldJ
\ will tnen b. das>iIiO<i ... e.nk Ca.h ;,0...11<0) 15 th<! dote
I th:t tho con"pending payt'l"lent pcS~ed to your a~UJ1t.
'j 'PlI1'J7oses for:Uslnq Your A"~llJlt '
1 You may use YOW' account (or personal, ramllf. Qr hol,lMho!d
~ :::=~iai:~::~c~~:~:,~~~~~ ~~:~~: or
; AdYance.or any oth.erCash Advan~ to make a p.1~m'nt on
~ this .or any other .;:redit &c:r:t:IYI'1~ with ~$'. ~ou may not u,e or
'7 permit )'Our a~ount to ~ w=ed ~o mUe a1'l)' mes:af t:WI,a-=tkm.
Pel'5ons Using Your Auoullt
:. If yol,l ~rmit ~ny ~tfSQI'i 10 use: your card. oee~5 d\<<ks.
4 ucrount number. oroeJ'ler'l;rc.."dlt d'evi~ wiU'\, me authCni!3non to
\ obtain O't'Jit on )'OJIT account:. you m;y be: Uaele ror all tmnS3C.
t~ UoM made: tl.y tt\at person. lnc)ud:ni tRIN3d.lonli rOt wftieh you
mAy not ~Q intended LO 'be lIa.ble. even 11 the amQunC 01 th==
~ lt1h~on"C1U'S}'QQ~,Cl'td,1ttlmittobe~. .AuchorlZ~
.~ ~n: of thlZ :!.a:cunt may hm't thl! same access 1:0 Infonnaticm
~ a=ut (he ~l.lnt iil'1d. !t:= Y~I'$ as 1:hc a=ount holdets.
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How You Mall Stol' Paglnent on an
Access Cli.edi
You may roque", . ,top payment on an .<ao. dt.<:l: by pro.
,,!dIne us 'With ttw: -== check 1\umbar,. dollar .mouN, and
\lOY"' llU<:tly '5l;/1oyappoor on tho ...... thO<l. ~l'.d
'Written stop payment requests on an ac:ee5! c:hedc IN ~
I,r slx months."""" 111. dill' ,hat '" pja(o tho slOp ~ent.
YOU: Mall.Not Postdate an /t,&cess CliecJi
You me)' not Issue.. pc$uilted ac:c;ess, c:hed on your
KCQ\Jnt. If you do postdate an lI.ecess chb:k. we may el~ to
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'honor It \lpon preientm'l:nt or.retum it un-paiCl to,the~rScn
Wh9 prllSented It to uS fl)t payme"t. without. hr-:ithercase.
'W~itlne: for the rJitoti .~hown an th: ac;t;ese dIe&.. We art not
li~ble to yr:u for I!ny 10$5 or elC!:)e1'lse Itl~rred by yQU Inalnl!
out Qf the. ;la-Ion we: elect to te.'I(p'.
Your Proltlise w'pay
Vr::/U ptom~e to pay \l$ the amQl.1n~~ of ,ll <:nuIlt you
obtain. whidl ir'\l:iludes all Purchases and cash AOV'41'1C!tS.
"fQLl also Slfomi$6 t~pA~"U::; ;ll.~t.1Il :'iTlOIJr.~ o~ f:!:~~
chSTt;.l:."S. ,~. end. Qnyothof ttansaCllons we c:h.!ttee: ;;.pinst
)'OUt al;O;gUnt.
Pal/m.enu on YlIur Account
Y~rJ must Pi)" eac:h month iiilt least r;ht Towl Minimum
Payment Oue shown (In your monthl~ stateMent br your
P"VIt'l~t DUt DiI'e. Yo\'!' may pay tne entift' em(lunt you owe
us at i1")' flme. 'p;lytNtnts mado to ilII')'I;lillinl"-e'fc:le ;hat are
Ql"eater than tire ~~I Minlmum Payment DtJ~ wiJl1'l9t aD'ea
yOtlr oOlleiiltlon to iMkc the n~t T~I Minimum Paym.;t1t
'Dul. Ir.)'O\I QYli'lpay or if therei:; i1 credit b8liu~c.onyot1r'
lc:eo\ln1.. we will not pay Intl!f~ an suc;h ~m()unt:s. We will
~ea p;ymQots that are ngt dr;l"""ln U.S. dOllars and tho!!:!'
dr;.wn 01\ rln~cle.llnstttutJon5 lOQr.td omld/il: the United
SUll'l:~$, P:lyment 01 1O\lr Tob:lt Mhumurn Payment OUe mt!y
not avoid the ~ssesll'\'1ent or Overlimlt Fe.Ii.
wftel/ Your Payment WflI.Be Credited
to Your AuoUllt
w.: ~edit p&ymC11~ D~ l)' the clate r~l..,ed, If trot pllymcflt
is' ~ II rec..elved. by:! p.m. (Eastern 'TImell \A.] recehtedatthe
address snQ.'lVn in thr: upp8:L' left-h,l\d ~merorthlil fmnt (:If
your n'lOT\thly $tatemef'l~; 13) pakl wJth a c:heclr. dtewl\ in U.S.
doUars on i U.S. nn;mc:;iaI i~tltotlon 0I":a u.s. -dollar MOne-y
ordC:l;l'l.nd (4) sent In tree MNrn <<n~QPe- with onl)".the lOp
portIon or YOU: i~teT1'leRt ateQm~Qflylni: it. P'dymentS
r~o:i\ICd .,.Iter 2 p.m. 'On any d3Y. Indudlne the l1tYme!\t Cue
Date. but thoilt othtrw'IJe'mQQt the (!Ib~ tt:qulrements. will b'l'
crBdl~ 8S of t1'la next d~y. Credit I'll' $fI)' oiher Piymtn~
m.ay be dela~ up to fl'H! days,
How We Allocate Your Paylnente
Wit will ellQQ1l<: your par.tJ,enm In the manner we d4ter.
mtl'lt. In mO$t iJl$ta~s. 'WI wjll allocne YOl,lr pa1Menu to
belll/'\<:l:!~ ~lr\ch.ltUl'le: 1'tt!W transactloRSI WfEn IOJfllef A$JRI before
b.lon<<:. with hiGh.. APR.. Tht. .,iU ,.."Ult I. n.., b.la""",
wit. 10_ M'R. l5udl as mos. wlt~ promotion.' APR oIlers)'
being paid be-foRt any ~hdr Illstine ball\lnces..
Prontlse to Pal! Applles to All PerSlllls
III! J>Ol<O'. w~o Inltiol\1 or .ublequl.tly request. .",..t:
Z'UQr"M1lI9, QT LlM the atx'Rl.1t1~ are lDdividuaU, aNl. toe4lwr
...pon,'bl. lor "Y 10<01 olltStandlne bol..ce. W. l.oy..1Im
to rele:.st from ll..biUty ant pC't\s0!l who Is responJiblt tb pay
any ~,"i out:lllmdlns 0.1...... unut .11 of t.o cords. ._.
C'h<<ks. aPd ~er credit device! outatcmdlllC under the
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l i/;QO'Unt h.a.\H! been retl.."1'l'led (0 us am!. Q11Y ~uc:h pt'C'501"1 Qf
I pcr$On$ rtPilY$ 1.UI !hI;: total out:standlnc balance owed to \JS
} ~t Qny lime under lh, tttmSi of thi$ Aer"rn~t.
: Def/llt[t
You "ill bo in 4.ra"I' 01 this Aim""Ol H, II) 10U r.lI"
mJk.~ nny tctltlired Total Mlnlmum payment Oue by I~
; Pay",ent Du. P;,~.i tZl your 'otal oucst.ndlne bol.n..
~ excc<:Qj your crecUt I1n1lt: 'Of t3) you fail eo ablc:1e by a[l)/ other
", flfnTi d l!,J1i .A.ereeml!Tu:. $Qitiy ier me 'Pu''l'P~~ of determin..
; IIIi elleibililY .nd promium plIymeJ11 .blle.tion. for the
: ~l1CiQnD( credlt j"S\l'Pa."O! purdlased thT'OI,l=h M~N""" you will
,) bl di;lrrned tl\ C1oef&ult or dli~tl'lquent jf you faU to rnake: il p:sy~
. mEJnl within 90 d;ys of your Paymttlt Due ~te. Ol,lt Eal.1urt
~ l04M!l::i'.llrlyorour rtehtswhen YOLl defal:1lr does,not ms4n
f thatwe ar~ unabt4' [0 exerchnrthcm :iQhts.upon,IBtehJefaun,
1 Wfl4n We Mall Reqlllre lllU1le4!a.te payment
1 lrYQU an: in default. 'ilia e;n reQl,llre lmtnli!r!ratt payment
\' orYO\lr tct.;l outSlandJnc balina and. unlc:ss prohibIted 'bY
" appliccble'ia",. ~"d e1.=t '" cthetWi:Je pJ'Q1J,Ided llJ\d.e:rthe:
4 MbilfaU(lIl.aNt LilipliO/1 5ec;:tion. Q{ 'this A.~ment. wt can
I OII~o require )'O\l to p.ay the c:o:rb we jl1~~1' In any l;oll~on
prot:eed'inp:. ill weli .$ rcMCl'lllSb\-e .attorneys- rQ~ if we ,.Coar
~ your e~CQunt tot ccllea.lcn to ,p attorney wno is [lot QlJr
I ..1.,led .mpl.y<:.. .
1 OtAer Jla!!,lnent Terms
t Wit 1;iItl. iCCvPt latQ pQ;yme:nts. partlCll ~ymcrnQ:. or payments
~ witl\ Any r~'[J'lalVf:: wrltine: without lcsine al'\) QrQur tiehu.
: under thi, AQreemeht 1'h1$ means that no p'a'll'ml!'tlt. il'lcludll'lg
I thc;l'" rl'\arktd 'OIiI:h "PaId In fuU. or ...tttl 8ny other rfitri<<ive
words, shall Q~!;It'O 35 an accord Jod ntlsfat::tiof\ wltholJt tM
I ptlor wriaen apPTtlVilI of on.'a{ OIUSc:.nIOf otHcms. y~ mo,y.
,. nal y=;l.:! POstdilted d\ea 10 make a p~me:r.t. U ycu do
1 postdate a p;ymem; cttedc. "R. m&y ~ect tc honor it upon
1; p~l'Itmlmt cr rdurn it,un('Jedjt~ to thl! ~rscn who presented
I, it. \Vlth.QUl, In clther we. wait;l1e: fo:, tJle,dat~ shown 'tIr, tM
I'; ~heck. w. a.rc. not lilil.~lc;- to you for iim)' lQ;:1 or eapenst
: inC;:l.Irred by yaTJ arisin!!: cut of the! ec.t.\on we e!~ tQ. t;:lkr:.
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~ t='1ll)llIellt Holidau.,s
I we ma~' 8.l1ow you. from tlrnl;! tQ tima. ;Q omIt ;a mortth1y
I; payment We win ncnltv"Yo\.l when U\js o"t~n bi .".i1ablc:. If
1: you omit iiI p;)'Tl'\Ql'tl, finarll::e c:haroes Ind any appllatble lees
I: willa~c."Ue on YOUT~r;:(M.:lntin o=rdan~twll;h thii
i~ Agreement. You n\UIt1CMUme m;.klne:1Qur~:;lIIMlnimum
:i p_", OUe ea<:h month IollowU\8' l'OyrIl.nt h.Udn
!l 'rransad(Q1I$ Made in FDreigll Cu;''I'lmcies
I: II you make a trD~on in a fcfllie.n cumtncy. the 'trar=ac:ticn
j; "ill be tOn..nee! IlyVl.alnt<:",_1 or Maot~r~
{! IJltematfanal. dCPtndltrl ~ft whld'l eatd)'Ol.l UIO. tntoa U.S.
II dollar amount In ICCQr<lon... "ith !he oporod"", relll'loliO"....
: i eonversicn p!'CCCdures In eflea at tht time 'that the uansaaion
!; i5pm~ed. Currently. thesE: l'e(Lt1.ti~", and ):ll'OCldurC:!1
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provide thit tht CI.ItreTlc:y c:onverslQn riltv to b!: used is: either
( Ila "'holo.alt market rol. or l21a CO"em",.nt-manda,ed
ratlil in e!f~ on~ day pnorttl the proe:!Sslne date. tnc::reaaed
DY one percent (/'I each Oise. VI" or M;$terca:d retilin:s th~
one ~Qrceat 3S compensatIol'I ror;>erfcrmit\g the a,mln~
t'Ol'I"erslon servic:e. 'l11l: O.Ittenr:y ctH'I'yersion rate In effect 0:'1
tM prOQe$$ine dts~ft ~y differ trQm ~hlJ I1:IEt; tn etrect 911 the
~1'it"&;letJon date Qr thli! po,ting date..
Billing Cycle
Your bllUne eye!.: tJU:ls ~Ch month Qn il: Closing Oste
C1eteormitled by 1.1'. bch blUit\.& cyd. ~&in$ 01'l the d;.y bfter
lhe C\",ingllate 01 the oreviou. blUing <:yd.. Eacll =rnea,
rtflec.'t.... sinele biJUng c:vcie.
Account Fees and Cliar!,les
Accoulll Pc.., The IOnOWlllg I.... whl<:h.,. .", forth III ypur
RO<lulr<<l Fedeml'Ois<:loo,""" Qr Inlll.' Dlsci_,.,~.. dlafl1.d
~ Purchases in the bl1l1ng cyd.e In which' the feesaCtmllil;
(I) a l.,'8,e Fee n the TOlai Minimum Paymeort CIlC ,hown oa
your mgnthly state:m~ i$ not rt~lved by uo: Ot'l or b!/QR its
p;n-rnent Cue Dat~ .
121 un ~rllm;t Fee IC your New &Ltll1,lnce TOml exceedS your
(fed.it limit on the Wit day of'a limine; cydo. evtnlr feu 'OJ
fio.nee ~ll.aTilQ charted. by ua ause Y"u.r N.." B::I.IQlu:e Total
to eXl;ttd yol1r l:Jedlt limit; an OvtrUmit Fee 1$ cniirBtd tb yew
.<:<o""..oI'ho My I" lho olll,lnQ ",de'ha'the lotol !'l"t-
mm:fil!8 balal'\I~e an fOUr.J(;c:oum etceed$ )'Oure:redlt Umlt:
(3) a RAturru:d P~e:r'J.t Fee if a paYm~nt on YOU: a=cun[ is
tQturne.d for insufficient f\,lnd.s ,." for any other reMon. ev,o if
It 1$ geid Upc:l1\ $'IJbtequem presentment: .
141 ~ R.enuned COl~Ad...anc:eCheQl; ftv: if_t returl'lan. :lCO!tl
t;hec\c un~ald for an;!' rQ;I~n. even If the al;OfSIi c;::had:.is paId
upon sub$eq~~t pNt!lll!:J!Itmenti
I') a COPy fltl!' [Ot eech l;DPY of a mClntl1lY :S~e1teme.l1t or ~Ie:s
dr~ft. occpt that the $!x m~t l'eO!nt monthly statement: and
sIx :a-a1~ drnrt5 will be: proY'lded f9r Iri!1l; ana
(6) tln Ann\lat F<<: llyotJr 3C<<Junt 15! OpST1 or If you lI'laLne:oln
~n a;.CCO~J'lt blill;nc;.v. whKth~r you have actl.... ~hal'lli~1 !:l't1vl.
leges or nO'i.
Abandcmed-JJrape.ttr ChiDrcll!:6: Unless prohibited by
IPpUc:abh: 1aw. we \11111 cha. )'l:Iur lt~~unt. as ~ Purc:ha!t,
fot any cosu incurred by us 855IXiated with eompl~jne: with
SUJte abElndonedo-propmy li'W'S.
Pjeas:lrtVililW your Required Federal OisclOS\lrell Qr lnir.i;aJ
Ol.do_uf. ror 'ddlllonal fwo and <hOlies that may 'J>Plyto
?oor lIcanln~.
Benefits
Wt mElyofferyou ctrtain btn8l1t31lnd se~..ith ywf
IilCCXlUtlL Unl!!!$S GXPres:sly,madea part of this Aertcment. M1~
5l,U:;h b~nlCifits 'Or servtca..... n<n a p.ltt. of Uils Ntreement bUt
an!' :loubiea to the Ul!rms ..Ild re=\:tic{icms oU(lincd In the be:M6~
broc:hure l!Ind Other offJd81 documcmb' ptQ\'lded ~ you 110m
time to tlmo by at on bertelt ot MBNA Am~b. we may
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adll,lit. add, or ddt~.;! bG:n8'tlc$ C1nd servIces ;It any time and
wlU'\ou~ notice 'to you.
Refused to HOPlor Y014r ACCOUllt
We arlil nQt Ii.ebl, for "'~ rvhisal to honor )'Our .:ar:z:oUllt.
ThIs ct.., indude B refuSlI to honor your ~rd Qr a~ut'lt n~m'b:r
or an)' cncckwl'ltten on your i1CCClP,:l'I(. We arc not lI.ble lor
4lny Jet~nUol'l oryour card by 1m, "~1 othEr bank. Of any
provider of fOods or services.
We May SU$pen~ or Close Your Account
We ~ SUSI)eTld or doae your 8CCOlmt or omejWisettmnin>:ltr:
your rlG;ht to 11ft YOlJtattowu. .wt. may do thIs at anytime
and for c.:r.L'I)' reaSQL\, Your ohli!ll"tions under thic AQrtlt1'Den1:
continue trIen uftcr we have-done thi:s, Y()lJ m.l,IstdQ3;ttCy~l1
cardS, access c:hed(!.. al\,d'cd\gr'<:tedlt'de.vkes: on the aetcunt
whel'i W4; rtqUG thllt ')'QU de so.
VOII Mall Clo" Your A~,ount
You mol' 010.. you. ,<oou", by notlfyi"ll ,,'In wrltlnJ or by
telephone ."nd destroylng.1I ~rd4. ;lee", d1.8~.;OO other
credIt devlC8 on the &/XOunt. Yow QbliRlIl:ICln$ under Ws.
^'ttl!lA'tnant !:CItl!irll.lill ~" ilIfWEr ~1,1 h~ done U1i$t.
Trnnsadi()ng After Your AUolUlt I~ dosed
Whc.n your '~1,Irrt 1$ c;h;lJcd. you mU$t contlo:t .anYQne
i\tl,ltnor)l~d tQ charce tmnsa<<lons to your il~nt sud'. Q$
1ntemet Ic:Mce provldOrs~ heelth. dubS, or Insurana!: compa~
nicS.1'hlt!i'Q: T~n=d:ionllo ""Y cont~I1\!9 tCI bo c:.~ed tQ JClur
ar;i;Ql,,'Ill! untH you chane' the billing, Also. If.we gd.i~e you
have a\Jthorktd a tranl!J8ct'Jon. or-are attempting to uSt}'PlIr
~(count afttr you have: t4q,Ul!:ted to dose me account, we
I'm)' all(W,l thetmnudlon \0 bQ chatted to your account.
y/e May Amend TJiis AqreB/IIenf
We:: n'l3)' amend th.$. AQrument at:lft'jl time. 'We: may
~ml:nd it by addlnc. deleting.. l;lI' <h.;:rrw:il'llJ: prQY1~iQn~ of th15
A:,teernent.. Whr:n Y;t BmeTld thf$Aireamc"t. vrewilJ wmply
Viith the lI.poliaable noria requircment$ or fecl1lral and
Oelawalllllwthat arc: in eflea".at,thGt tlm:.. ]f Marntnd.rne:nt
cfves you the oPPOrtunity to rllCiCct the ch.-ne:e. and U~u
t~l~ tl'le =n.Ii~t: iJ\ the manner provl.d~ in sudl amtl\dmtt'lt.
we may terminate your diht tQ r-ccdv4 c:mIit ~OI:ll"l'1e.y uk ftJU
'to return ell qedjt dC'liceG &::I a CtInditiQn of your reicl;tj(Jn.
Thll ~mlill1dC'ld Aareemem (In.c:ll,Ir:llnc",ny hlghliNatc or other
hiGher ,=Jo.arees or feUI wm .ap[)ll' 'to ~he lotal ololtstandi111
"'Ion<<. incluttlng tlIO bal.nco ..illMg betore th. o",endmellt
~me e:rC'el:Nc. WIiI mlll' ~~taee your CJrQ with anoctl.e:
C&rd a~ ;ny tlnl!!.
We Mall SeU Your Account
We. mal' at IIflytime, ano wtltlOl1t no1ldr to you. sell, aIIsign
Ql transfer )lour ecc:ount. any ~ms due CJ\ your ac:munt. thi.
."\er~rrl!rn, or our rtihts or obllpttQns undt.r your ClttOUnC Of
this Asreement toO .any ptrsotl or enrity, The person or Ultity
lc whom we millke any such $&1'1. a~gnment or trmldfer shall
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b'! lJnI\I\~ to a\l of out riehts andlaToblii,lidon:5 1J1'Idertl'l\S
^i.r"llIl11n~ to tht extent cold. 6S'ientd at tr"'nslerrec.
Your Credit Limit
- Yr;;:n.lt cedil Hrnit ie disdOMd to VQU wl\th 'l'ou, receive your
wd and. e:enellllly. 01'1 M1'h. monthly mwmtrlt. We m.:!.y
..'han;e yo.l.t( lJedTt limit horn time to tlml:.
Tkc: amount s~ (1ft }'O\lr monthly Iitatemtnt i1j; Cash or
CredlE A~QUQ'Ol II! does not tilkli lnta I.~unt any P'JrI:lu$I!:S.
Cisk AdV8:l~tS. nn;lno;e: t:ba!e>:::I. I~.. IItPj cJther .tt'8~.I:!o.lOr\t:I.
or C1'IcHts that post t= yOur QCC01Jnt after the C1Qsinc Oateol
that monthly st"tement. Sw:h transac:tions QOuld !,"UIE in
)'gur c:r.::dllllmit beine excmod,cd and te!iult )n th~ a5Se55mc::nt
Qf~rlimltF'f:~.
What We May Do if YoU. Attelllpt to
Exaed YI1I1T Credit Limit
The total outsrandlne. billinG! 0I"l ricur ii1CCOUIl,t plus
.QuthQrn:allons at any tIm, 'rnU$~ no!: be more thl1n your mU
limit. .1 you attemptatran..c:tlon th., tal"11> in your toO>.!
~'UlC!:i~ndiJl.B balance IP\l.lS authorlRl.titl~::l ew;aodlnc}'OUr
credit Itmit. W1!: may t I J ~t me uan!~c:tton W\.thQu:t tQt,l1'lg
your crt-dit limit: (2) ptrmll ~he: tmnsa-Ct\on .nd tnlo!ll' the
iJttlount of the tl1.04ac:tion tMat~$ mom thIn me <:redl! liJtIit
~s Irnl1'\edi~t~ly d.oe; or t3J rtt1J:;e tQ permit trn. .tr.Itl5dion.
It we refuce \0 ~f:rrni~ thO trQM:lIctlo1'\, we may acMse lIle
p€f':".on 'Who lti.wnpted the tTanSi~lqn th:l.t It has betn~.
If \lit r.N", \0 patmit I ChlKk Cash A<!v,Jftce or ~lanc:e
Trin;fer. we may do s:o by Ildvi:sine ~hfI; petSCIn ]:ll'e$entine the
Chedc Cash AdviInce or e31~ lm.n$!'er that c:reQ1t he, been
rehlMd, the, there a,tiJ\Sl1fficient fund. tc p;))' tke OleaCe;h
Adv!lftee or Balanc.c Transfer. or In ""yother milllrmCU".
lr we h~\te 'PnlVlOu:;ty permitted you to uceed yovrg;:Olt
limit. it doelllllOt Mean lhi:~ ~ wUl ~ermi'C 70\1 ~ exceed ~Ul'
Cl'ccht tlmtt a~ln. tt we decide to pvrmit you tc umd YQyr
cretiit limit. we. may d'latie an OVerllml~ fee If prQ'Ylded it'!
iRIs: A.crettnent.
Umlldnurlud Use of'Y()"r Card
Please notiJY us lmmlldia'telyot t~ lo.s. theft. Of possible
un!luthorl:ed use of ')'Qur .e=eount at 1-800-44 i-8Q27.
You Mwst Notify Us When You Cliange
Your Add~s
Wr: 5l:rive to UI!p il.o:urate rec:ords for your"beneflt ~J'td
QUrs. tr.e: post oRlee anrj others may notify us ot a chance tQ
yo"r addtl!5&. Wh~ yOI,I t;h.an~ 1'our ,cldl1!S$. <yOU mUSll\Ot1{y
\JS promptl7 of )lour new e.ddress.
What L1w Applies
This AQn:t:I't'len.t Is madi In D<tltn1llrc. SInd 'lilt .end credit
to you. from Ce.laware. This Ae!e.tmtnt iD ,govcmed by U1B
la....... Dl the StIli Q' Oel:rwa:e 1~'ChclU1: ratJat13 to lu conftla of
IlloW ptil\Clplaland t;y..ny ~p~llC8blt: te:dt:rall:.wt.
10
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.TIi... Prollisi"ns of Ttils Agreem41nt Me
:Severable
If .e:ny provision of this Acrtcmcnt i:o iOl.ind to b(: ~t'IV~lkf.
lthe remaininG: 'l'01'I,1crls will eontinu!' to be ~fe(.tiv,.
lOur RIQ/its COlltlnlle
i Our taihne or d'IAy in ecll'dSlq atJ.y Of our niht'$ ur.tder
!t.hls' ^ereement d~es not mean that we are unable to e~n;is:e:
:~:.;:5~-ri.:!-!~ ~~te=.- _. '.
. .
:ArliitratW/l a/ld Litigation
. Thie Arblm.tlon ;and Utlga.tion prevision Q~~ies to you,
,".Iess 1'1'" w<le lllvelllhe opportunity to reJ<<:t the ArOitra~QO
l:Jnd L:.1ttcaz:lon pt'OVlsians..l:nd )'<1\1 did 50 ~iec: them. In the
[ [Manner ,nd ~me!.."" ""lulred. Ihau did reloot cll_y
i !~ Q provision. ~ ",~r=d that any lltlfJ'ticm brouehrby YO\l'
i ;a~inst us; teearOln, this a=Uht or this M1"ftm<U\r: shaU b'~
t f~roueht In a court loeated in the SUl.te ofbera.",ra.
I Pwiy t;1f,im gr dispute t"C1aim11)y tither you or us acai.tlst
~thc: ether. 01 againSt the employM;~ I,ien.'t$. or ~JeJ\$ of the
! .other, aljoini lrom or ,..I,"nllln .ny WOJ to thl, _mene or
l ,Qny prior AgrMmtnt Ot )'OlJt acx:ount Iwh~hcr I.1noer ~ .
! 'statute, Illl;Dntnlct, yo,n, or otherwlR and \1t~~r Ftlr ~
! IdamlPs. penaldC!:S. Cf declaratoQl 'Or IlilqLllbbfe relid). indud..
i :lng Clair... rega'dlng the applicability ot this Arbllratlon .nd
I 'U~If;,tIQn ~cctlon Qr theVIIUJ;iICy Qf the flmJre ~r. or.
. ;anf prIOr A('.'O<!...nr, .hall b. ...solved by binding .rbltration.
I ' 'Thearbilr.ltion .hall ba oOnductod byth. Notlo..l
:ArbJtration tot\lm rNAF1. under Jhe C~t!. or pr~UTe in
11effe<:; at ttle tlm. mil CIOllm Is flied. Rules .Jnd rormlf l?f the
,National ArbiUtldon Forum may be obtZllrleC. and Claims may
:be 1~led Qt lilny Niltlons1Arbt{r;.tion ForUIrl office, ~
llt"rurn.eem or p.o. Box '0191, Mlnnopotls. Mlnnesou "dO'.
f ~elepI1Qn, I-&OO.047402.111. lfthe mr.is unablG or unwUUn,e
t ;to acr. a:s arbl[J'.ator, WtI may $UbsdtUt~ another naUontaJly
I iNCQsnl~d.lndEl'pen~r\t arbitr:atu:.l\ organization that" uses a
It-Imil::zr code of procedure. At YOUt writte:n .ttquest. we will
Il~dVinc9 any a~itrat1on 1mnu ~e, or olIdminituetivc and h.MI'II1~
bi:c::2. thin }FOt.I are required to P"Y 1;0 ~FS\Ie a 0a1rn In arbltntlo-n,
1 ;TI-.e arbitTaEQr will dodde who will bt ",ltitNltely l'esponSlbl4a
i if..,. t:oyir.s ~ht2~ lees. IrI no t'r'e1\'t will :/01.1 be rO(!l.Ilred to
i :,..imburs. us fc:r any' .ucittatlon fiilnl. admll'lbtr~...e or !'lear..
I :in" fcts 'n !l~ 8W'lOUn~ irtater than wh81 yeur ~un cocts
:. :wOQld have been If the Clol",lIod boon '_Ivad Ins stale
\ ;ooun ""h IvriGdlalon. Nrf ar'oltmlon hearlni at ..hroh you
1 ;appear..,;1I ,o.e ~ia.e within tile rOderal\udlclal dl;trlct tha'
I ,.ndUdeS }'Our blUlnllodd",.. at th.1:i.... tho Chum IS filed.
. 1Tht1arblt.11.101\ acreement 18 made pursuant to a tl1l['i.~lol\
~ :lnvdvlng Intc:t=tDte ccmmerc:e. and shill be govtlrl\eO by the
I ,'ed<..l AlbltraUon loa. 9 \I.S.C. U H6 ('FAA".. IIld_nt
} lupCln firry iWiU~ticn award may bt entered in al\Y c:oun h.or
: a". jP"lrisdlc:Ucn. 1'he arbJtrator shall rclJow 6istine: su=n-
I .lv.law to the ..lent amablent W1~h th. FM and appH<able
f :stlwtelll of lim1mtion~ af'ld ~h6J1 honor any ~l.lm<J.or ~tlyn,C&~
l roOOiOIu:d by I.... 1I0ny pall\' requests. tho arb\ll\>tor ,hall
II
,
."
..', " ..' ..- .
Write an QJ;lIr1JQn,~l'ltslnini the reaSOflJ for the award,
No d.1m submittedlo orbit..tl.o 1$ hoar<! by . lu~. .nd
no Claim 1'1'I::Iy be brO\,lcnt8S A dass .e,r;t\Qn or M a private
.1ttomeyetneiil, You do ~t have tht fiiM to ad: as lit <:Ji1~
Jepretentlth'e or oanid'P'tlf;u; 01 me:mbtr oj a c:l_ or
dQimOms witt! Te$Pec:t to Iny Clilm. tl\is N''bltl3.t10t\ and:
L.itJ.vallon section applitf: to eU ClailTl$ n~ i:l exfsr.e:r.co Clr
that ml;l)l.rlce In 'ChI futUroe.
Thl$ Arbih'aU;n Me! L..ltlQ,atlcn ~o=tonsbA115Urvi\'lI'the
r~rmln.Q~lo'" .,f ~l,lf ~1;<:Ql.!llt .....il.1': \\15 ~! w~lI AS ,;n:1llo1Ilnt.an:
P-1ymP.f'1t of the debt in full by yo\,l. any bMkru?tcy by yot,/.. elr
..1. of 'he debt by \1$.
Fgr 'be pUlpOSes or this ArbitJiltlon ~"d L.tti8i1tiQn !:4ctlon.,
"We- -81\d .u,&- mlU'IN MeNA. Al"(u~:riQ Sank. N.A.. ItS PllIrent.
subsldiarie=. "mI19tllS.llQi!nG\,~G, pf*dt~Q", ,u~rs,
3Sl1lgns. (qld irIY PVfch:&,;r or ~r aa..-cunt. and aU ot their
otn<:ers. dlrec.tor.s, emph;lY'ftI. ;a~rll"'.lU'Id ii1~iM.or my Me!
.1I'I,Mm. Additionally. 'We' or 'us" ,h,lI ",".. any third
paR}" ptoVki1ng be:nefitl. servl~, o:r pn::xlUCIS In CQnrll~1;tiOf\
wtth ~he _"""unt (Iod"dlne but ~ limite<! ., trOdlt bur..us.
ml:rd'\auts. thij~ a,I;;Qlpt en} ,;ted,lt d..",CQ Issued underthc
tQ:QUTlt. ~ds or enfOl1ment Rl"V1ces. Q'~it Inwfanc.e
comPilnj~". ddJt collectors, and all af their offtcers, diTiKtoro.
employee, illnd acentS) If. ;land only If. IUd! oA thIrd pmy b
narn~d I,)y you 3S a codefendant In. en)' CIi!llJ'\'1 you assert
lIiain$l. us.
11 ;an)' p:Jrt of this ^rbluat\on ,nd U~lcatlon -=tIQn Is:
fcl.lf"t::110 be Invalid or un.nforeeacl~ \1nder ~l'ly 1..w 01' :Statute
a;:ln$l~nt wIth the FM. the rtmfllnder ot :;hls ^rb5trnign otl.d
1.ltl~8(IOn seaton s,h.;H be enfottel!lble wIthout rqerd to ~ch
InvaUdity Qr \In~nforceablllty.
1'H~ RE5JJl.T OFTHlS AASIl'RA"ON AOREEMENl' IS
THAT. EltCm N> PROVlOEDIISr:Nf., CLIIIMS CANNOT BE
IJTIaATED IN COURT, INCLUDING SOME CLAIMS THAT
COU.O HAVE 1!l000N TIllED eEFoRE A IURY. J1S C!.o\SS
AC'r10NS. OR N: PRlY.~TE AlT01l.NE\' CENEJW. AC'I'IONS.
12
M.aN^.....inerlclil~ U: Q. rGdarany fC!i$1:tfed EetYlee mark of
MB~A Am4r1Q1 senk. N..A.
II 2001 I.lBNA IImoria B.nlc. N.A.
NEA90 (Revised 4/2001)
-
EXHIBIT "B"
..-...--;..-..-.".--............,
III
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 Barry Starner
File Number: FA0309000195545
Claimant File Number: 5490992962773952
Bany Stamer
405 Cascade Rd
MECHANICSBURG, P A 170555520
RESPONDENT(s).
The undersigned Arbitrator in this case FINDS:
I. That no known conflict of interest exists.
2. That on or before 09/12/2003 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 infonnation submitted in this case.
7. That the information and evidence submitted supports the issuance of an Award as stated.
Tbereforc, tbe Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount of$26,252.35.
~# d/~.
Ho rab Jack M. Marden
ArbI or
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: 12/05/2003
~. 1. .I .S)_\.~~
Honorable Harold Kalina
Director of Arbitration
12/05/2003
SHERIFF'S RETURN - REGULAR
c
CASE NO: 2004-02281 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK NA
VS
STARNER BARRY
ROBERT BITNER
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
was served upon
says, the within COMPLAINT & NOTICE
STARNER BARRY
the
, at 1821:00 HOURS, on the 24th day of May.
, 2004
DEFENDANT
at 405 CASCADE ROAD
MECHANICSBURG, PA 17055
BARRY STARNER
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
6.90
.00
10.00
.00
34.90
Sworn and Subscribed to before
me this 27 ~
day of
~, J.oo'-f A.D.
el . D~,;l/~,JA
~thonotary' , J
So Answers:
.-r'g?n:-'<~
R. Thomas Kline
OS/25/2004
WOLPOFF & ABRAMSON
By=--~;:~l ~
\ ~~ty shen1ff
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
vs.
BARRY STARNER
Defendant
No. 04-2281
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff and against Defendant, BARRY STARNER, for want of ANSWER
TO COMPLAINT.
( X ) Amount due
Interest from December 5, 2003
Attorneys Commission
Filing Costs
TOTAL
$ 26,252.35
$ to be determined
$ to be determined
$ to be determined
$ 26.252.35 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 and a copy of the notice is attached.
DATE: hftr~Y Signature:
AmyF.
ID NO.8 62
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
, 20~, JU~MENT IS ENTERED AS ABOVE.
l ~>>\.ti'J K /
Duty /
NOW, J ~.tu
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IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2281
vs.
BARRY STARNER
Defendant
(X) Notice is hereby given that a DEFAULT JUDGMENT in the above-captioned
matter has been entered against you in the \\ount of $26,252.35 plus interest, .
reasonable attorney's fees and costs, on J ~ 1 ' 20-.fii.-.
( X ) A copy of all documents filed with the Prothonotary in support of the within
judgment is/are enclosed.
If you have any questions regarding this Notice, please contac
Amy F. Doyle, 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:
BARRY STARNER
405 CASCADE RD
MECHANICSBURG, PA 17055-5520
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2281
vs.
BARRY STARNER
Defendant
AFFIDAVIT 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, BARRY STARNER, above named, are over 21 years of age;
is last know to reside at 405 CASCADE RD, MECHANICSBURG, P A 17055-5520,
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.
AmyF.Do 'E~
ID No. 87 2
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
SWORN and SUBSCRffiED
To before me this ~ daL J
Of .~ , 2{){}l4
10AP-~ C~1\-,
Notary Public
LCJW'~::: i~~;.' Public
City OfYcrr; 'I~"
MyCommlSSJCr '--X/;:*~_J ' '(:, '?C~I:i
r~':)E'~'-;-:;~--~-
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 04-2281
vs.
BARRY STARNER
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:
BARRY STARNER
405 CASCADE RD
MECHANICS BURG, PA 17055-5520
Respectfully submitted,
Date: June 25, 2004
Amy F. Do
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
MAIN OFFICE
TWO IAVlNGTON CENTRE
102 KING FARM BLVD, AOCKVILLE, MD 20850
BRANCH OFFICES
10805JUOICIAL DR., BlDG. A-s, FAIRFAX, VA 22030
1108 E. MAIN ST., BTE.10oa. RICHMOND, VA 23216
5122 GREENWICH RD., VIRGINIA BEACH, VA234B2
919 N. MARKET ST., BTE. 1300. WILMINGTON, DE 19899
1954 GAEENSPRING DR., STE. 400, TIMONIUM, MD 21093
1 VfILI..E(BANKEl.OO.,BOX1226,a..MKSElA3.WV 26302
2625 TOWNSGATE AD 1330, 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 Attorney Network Firm)
267 E. MARKET STREET
YORK. PA 17403
(TOLL FREE)
1-800-758-0675
.i&~~I~KI~t~1~r
SAN DIEGO, CAlIFORNIA
EOGEWOQD, COLORADO
FT. LAUDERDALE, FLORIDA
NORCROSS, GEORGIA
BIRMINGHAM, ALABAMA
ANCHORAGE, AlASKA
PHOENIX, ARIZONA
CABOT, ARKANSAS
June 14, 2004
BARRY STARNER
405 CASCADE RD
MECHANICSBURG, PA 17055-5520
FACSIMILE 717.848-1148
PLEASE DIRECT ALL INQUIRIES TO
YORK OFFICE
RE: MBNA AMERICA BANK, N.A. / BARRY STARNER
Docket No. 04-2281 (CP CUMBERLAND COUNTY)
Collection Matter
Dear Mr/Ms Starner:
~~Jg~~ c~~'lFllPr~~~JI61l'~C'qJlK
oFFlCEil o~ WO!.~OFF & AB~A\;tloN. l-L.jfj .
HONOLULU, HAWAII FARGO, NORTH DAKOTA
BOISE, IDAHO CLEVELAND, OHIO
MERRILLVILLE, INDIANA OKLAHOMA CITY, OKLAHO~A
CHICAGO, IWNOIS EUGENE, OREGON
KANSAS CITY, KANSAS PROVIDENCE, RHQOE ISLANC
LEXINGTON, KENTUCKY COLUMBIA, SOUTH CAAOLlN)I
METAIRIE, LOUISIANA KNOXVILLE, TENNESSEE
NEEDHAM,MASSACHUSETTS HOUSTON,TEXAS
SOUTHFIELO, MICHIGAN SANDY, UTAH
MINNEAPOLIS, MINNESOTA MILWAUKEE, WISCONSIN
ST. LOUIS, MISSOURI RAWLINS, WYOMING
GREAT FALLS, MONTANA
OMAHA, NEBRASKA . The NmIon_1 Collection
LAS VEGAS, NEVADA AttOI'n_y Network I_ _n _"IU_tfoI
MANCHESTER, NEW HAMPSHIRE of "pIIrq I.. f1rlM.
CEDAR KNOLLS, NEW JERSEY W&A Hours 01 Ope!Btlon;
SVOSSET, NEW YORK
RALEIGH, NORTHCAROLtNA 8 a.m. -11 p.m. E.S.T. ~F
~
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We enclose a 1 D-day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil
Procedure.
Sincerely,
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, NA
Plaintiff
No. 04-2281
vs.
BARRY STARNER
Defendant
TO: BARRY STARNER
405 CASCADE RD
MECHANICSBURG, PA 17055-5520
DATE OF NOTICE: June 14, 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:
Amy F. Wolfson squire
Wolpoff & Abramson, L.L.
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
Phone: (717) 846-1252
Fax: (717) 848-1146
ID No. 87062
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PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENT)
P.R.C.P. 3101 to 3149
MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs.
JUDGMENT NO. 042281
BARRY STARNER
405 CASCADE RD
MECHANICSBURG PA 17055-5520
PRAECIPE FOR WRIT OF EXECUTION
(MONEY JUDGMENT)
Defendant (s)
To the Prothonotary: PLEASE ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER.
(1) Directed to the Sheriff of CUMBERLAND COUNTY, Pennsylvania;
(2) against, BARRY STARNER
405 CASCADE RD
MECHANICSBURG PA 17055-5520
, Defendant (s);
(3) and against, M & T BANK
5219 SIMPSON FERRY RD
MECHANICSBURG PA 17050-351
(4) and index this writ
(a) against, BARRY STARNER
. Garnishee (s) ;
(b) against, M & T BANK
as a lis pendens against the real property of the
Garnishee(s) as follows:
(Specifically describe property) *** GARNISH ONLY
, Defendant(s) and
, Garni shee (s) ,
Defendant(s) in the name
of the
***
You are directed to attach the property of the Defendant(s) not levied upon in the
possession of M & T BANK
5219 SIMPSON FERRY RD
MECHANICSBURG PA 17050-351
Garnishee (s)
All accounts including but not limited to all savings, checking and other accounts,
certificates of deposit, notes receivables, collateral, pledges, documents of
title, securities, coupons and safe deposit boxes.
Amount due
Interest from 07/09/2004
At an interest rate of 6% per year
$ ~ I I)S"J., S"-
To Be Determined
Dated:
8/11/o(
/ I
costs & interest
ATTl/PAWRIT
Amy F. oyle 187062 / #20617
Bruce H. Cher s #18837 / #86341
Ronald S. Canter #94000 / #94266
Donald P. Shiffer #89451 / Andrew C. Spears #87737
WOLPOFF & ABRAMSON, L.L.P. / Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Road, 3rd Floor, Camp Hill, PA 17011 / (717) 303-6700
W&A FILE NO. 110431631
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due MBNA AMERICA BANK, N.A., Plaintiff (s)
NO 04-2281 Civil
CIVIL ACTION - LAW
From BARRY STARNER, 405 CASCADE RD., MECHANICSBURG, P A 17055-5520
(1) You are directed to levy upon the property of the defendant (s)and to sell .
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of M & T BANK, 5219 SIMPSON FERRY RD., MECHANICSBURG, P A 17050-0351 - ALL
ACCOUNTS INCLUDING BUT NOT LIMITED TO ALL SAVINGS, CHECKING AND OTHER
ACCOUNTS, CERTIFICATES OF DEPOSIT, NOTES RECEIVABLES, COLLATERAL,
PLEDGES, DOCUMENTS OF TITLE, SECURITIES, COUPONS AND SAFE DEPOSIT BOXES.
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) Ifproperty of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $26,252.35
L. L. $.50
Interest FROM 7/9/04 AT AN INTEREST RATE OF 6% PER YEAR
Ally's Comm
%
Due Prothy $1.00
Other Costs
c'~S R. LONG
Ally Paid $117.40
Plaintiff Paid
Date: SEPTEMBER 20, 2005
Prothonotary
(Seal)
By:
Deputy
REQUESTING PARTY:
Name PHILIP C. W ARHOLIC, ESQUIRE
Address: WOLPOFF & ABRAMSON, L.L.P.
4660 TRINDLE ROAD, 3RO FLOOR
CAMP HILL, PA 17011
Attorney for: PLAINTIFF
Telephone: 717-303-6700
Supreme Court lD No. 86341
3157
IN THE COURT OF COMMON PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
NO. 042281
Plaintiff
vs.
CIVIL ACTION-LAW
BARR Y STARNER
405 CASCADE RD
MECHANICSBURG PA 17055-5520
Defendant (s)
INTERROGATORIES TO GARNISHEE IN AID OF EXECUTION
TO:
PURSUANT TO RULE 3114 OF THE RULES OF CIVIL PROCEDURE, THE FOLLOWING
INTERROGATORIES HAVE BEEN SERVED UPON YOUR INSTITUTION. GARNISHEE IS HEREBY
REQUIRED TO ANSWER EACH OF THE FOLLOWING INTERROGATORIES SEPARATELY AND
FULLY. PLEASE COMPLETE THE FOLLOWING INTERROGATORIES TO ASSIST THE
CREDITOR'S EFFORTS TO SATISFY THE LAWFUL OBLIGATION OF THE ABOVE
REFERENCED DEBTOR(S).
IMPORTANT NOTICES AND INSTRUCTIONS TO GARNISHEE
A. You are required to file answers to the following Interrogatories
within twenty (20) days after service upon you. Failure to do so may result
in judgment against you.
B. The term "Defendant(s)" means the individual(s) or entity against
whom the Writ of Execution was issued.
C. "You" means the main office and all branch offices,
representatives, employees, and agents of your organization.
D. By service of the Writ of Execution upon you, all property of the
Defendant(s) subject to attachment which is in your possession, custody or
control is attached, including all property of the Defendant(s) which comes
into your possession thereafter.
E. These Interrogatories are considered to be continuing and
therefore should be modified or supplemented as you receive further or
additional information.
F.
is to be
as such,
estimate
Where exact information cannot be furnished, estimated information
supplied. When an estimate is to be used, it should be identified
and an explanation should be given as to the basis on which the
is made, and the reason the exact information cannot be furnished.
G. Where knowledge or information in possession of a party is
requested, such request includes knowledge of the party's agents,
representatives, and attorneys.
sSft 183 60 1003
ORALEX/P AWR IT
W&A FILE NO. 110431631
jl~~
PLAINTIFF'S INTERROGATORIES TO GARNISHEE
DEFENDANT(S) - BARRY STARNER
405 CASCADE RD
MECHANICSBURG PA 17055-5520
ssg 183 60 1003
1. DEPOSITORY ACCOUNTS: At the time you were served or at any subsequent
time, state whether or not the Defendant(s) maintains any checking, savings,
lines of credit, certificate of deposit's or other depository accounts with
your institution. If so, state the identification numbers of those accounts,
and the amount or amounts the Defendant(s) has in each account. If the
Defendant(s) maintains any of these jointly with any other person, or
persons, give their name and address.
~
1A. DIRECT DEPOSIT ACCOUNTS: Are any of the accounts you have
listed above direct deposit accounts? If yes, please state the
identification numbers of those accounts.
0\A
2. SAFE DEPOSIT BOXES: At the time you were served or at any subsequent
time, state whether or not the Defendant(s) maintains any safe deposit box or
boxes. If so, include the identification number or other designation of the
box or boxes. Include a full description of the contents and also the amount
of cash among those contents. If the Defendant(s) maintains any of these
jointly with any other person or persons, give their full name and address.
00
3. PERSONAL PROPERTY: At the time you were served or at any subsequent
time, state whether or not Defendant(s) owns any personal property that was
in your possession and/or control. If so, include a full description of all
personal property giving full value and present location. State also whether
or not there are any encumbrances or liens holders, the present balance of
the encumbrance. State where and when the encumbrances or liens was
recorded. If the Defendant(s) owns any personal property jointly with any
person or persons, give names and address.
~
4. OTHER ASSETS: At the time you were served or
did you know of the existence of any other asset(s)
are not disclosed in the preceding Interrogatories.
all details concerning those asset(s).
at any subsequent time,
of the Defendant(s) which
If so, please set forth
Jo
ORALE2/PAWRIT
W&A FILE NO. 110431631
3156
5. PROPERTY: At the time you were served or at any subsequent time, wal
there in your possession~ custody~ or eontrol or ~n tbe Jo;n;ns poe.b__:o~7
custody,_or control of yourself and one or more other persons any property
of any nature owned solely or in part by any Defendant(s)? If so, please
describe for each Defendant (5) each item of property including its value.
io
10(,
rl]']
'--Utiy
,S}Sl__.
/0h _ (Ins
" Or'n."
<"<v8//0b/ "I!().'!,:""'~'
6. REAL PROPERTY: At the time you were ser;~ii'u;;:;~:At<"~~!~;;;~:s~q\!~,till",t)'\jje,
did you hold legal, or equitable title to any property 'of .,;;:by,..p~ti1..,~"/o~ed
solely or in part by the Defendant (5) or in which and Defe":Q'lffit:(~)'''II.~ljj" or
claimed any interest? If so, describe for each Defendant (s) each""'i:'t1/pt'lYf
property including its value and the interest held by the Defendant(s).
13/1 L ..Due
~ /6/ >>';~i
(
~
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LOA/! -
7. PROPERTY HELD AS A FIDUCIARY: At the time you were served or at any
subsequent time, did you hold as a fiduciary any property in which any
Defendant(s) had an interest? If so, please describe for each Defendant(s)
the nature of the property including its value and the interest
of Defendant(s).
~
8. TRANSFER OF PROPERTY: At any time before or after you were served, did
any Defendant(s) transfer or deliver any property to you or to any person or
place pursuant to your direction or consent. If so, for each Defendant(s)
describe the property transferred or delivered including the dates of
delivery or transfer and state the consideration paid.
Jo
9. FEES OUTSTANDING TO GARNISHEE: Are there any attorneys fees or
processing fees charged by you against the Defendant (5) or account(s) of the
Defendant(s) for the completion of this Answer. If yes, outline the exact
amount of any fees due and owing to the garnishee or the attorney for the
garnishee for the preparation of the Answer.
No
~~
Amy F. Doyle 1187062
Daniel F. Wol #20617
Bruce H. Cher is #18837
Philip C. Warholic #86341
Ronald M. Abramson #94266
Ronald S. Canter #94000
Donald P. Shiffer #89451
Andrew C. Spears #87737
WOLPOFF & ABRAMSON, L.L.P. / Counsel for Plaint'ff
Attorneys in the Practice of Debt Collection
. Ii> 4660 Trindl e Road, 3rd Floor, Camp Hi 11, PA 170 1
4 to) .J. Z (717) 303-6700
JANICE M. GLASGO\!'
M&T BANK
l? IJllJi
I /
ORALE3/PAWRIT
Date:
W&A FILE NO. 110431631
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
NO. 042281
vs.
CIVIL ACTION - LAW
BARRY STARNER
Defendant
PRAECIPE TO DISMISS WRIT OF EXECUTION
To the Prothonotary:
Please dismiss the Writ of Execution which has been filed in the above-referenced
matter.
Dated:~
Respectfully Submitted,
Gu
Amy F. Doyle #87062
Daniel F. Wolfson #20617
Philip C. Warholic #86 .
:~i!J;i.'
avid R. Galloway #87326
Tonilyn M. Chippie #87852
Ronald M. Abramson #94266
Ronald S. Canter #94000
Bruce H. Cherkis #18837
WOLPOFF & ABRAMSON, LLP
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3'd Floor
Camp Hill, PA 17011
(717) 303-6700
W&AFileNo.ll0431631
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PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENT)
P.R.C.P. 3101 to 3149
MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs.
JUDGMENT NO. 042281
BARRY STARNER
405 CASCADE RD
MECHANICSBURG PA 17055-5520
Defendant (s)
PRAECIPE FOR WRIT OF EXECUTION
(MONEY JUDGMENT)
To the Prothonotary: PLEASE ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER.
(1) Directed to the Sheriff of CUMBERLAND COUNTY, Pennsylvania;
(2) against, BARRY STARNER
405 CASCADE RD
MECHANICSBURG PA 17055-5520
(3) and against, PNC BANK
5288 SIMPSON FERRY RD
MECHANICSBURG PA 17050-351
(4) and index this writ
(a) against, BARRY STARNER
, Defendant (s) ;
, Garnishee (s) ;
(b) against, PNC BANK
as a lis pendens against the real property of the
Garnishee(s) as follows:
(Specifically describe property) *** GARNISH ONLY
, Defendant(s) and
, Garni shee (s) ,
Defendant(s) in the name
of the
***
You are directed to attach the property of the Defendant(s) not levied upon in the
possession of PNC BANK
5288 SIMPSON FERRY RD
MECHANICSBURG PA 17050-351
Garnishee (s)
All accounts including but not limited to all savings, checking and other accounts,
certificates of deposit, notes receivables, collateral, pledges, documents of
title, securities, coupons and safe deposit boxes.
Amount due
Interest from 07/09/2004
At an inter st rate of 6% per year
Total $ g.v,a6:J,.Jjf Plus costs [" interest
Am~e~ #87062 / Daniel F. Wolfson #20617
Phi~ip r. Warholic #86341 / Andrew C. Spears #87737
c'D~vld R. G~!low~~ #873~ / Tonilyn M. Chippie #87852
Ronald M. Abramson #94266 / Ronald S. Canter #94000
Bruce H. Cherkis #18837
WOLPOFF [" ABRAMSON, L.L.P. / Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Road. 3rd Floor. CamD Hill. PA 17011 / (717) 303-6700
$ J&J/J..1)J..:j5
To Be Determined
Dated:
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WRIT OF EXECUTION and/or ATTACHMENT
"
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 04-2281 Civil
ClVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt. interest and costs due MBNA AMERICA BANK, N.A., Plaintiff (s)
From BARRY STARNER, 405 CASCADE RD., MECHANICSBURG, P A 17055-5520
(1) You are directed to levy upon the property of the defendant(s)and to sell
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of PNC BANK, 5288 SIMPSON FERRY RD., MECHANICSBURG, P A 17050-351 - ALL
ACCOUNTS INCLUDING BUT NOT LIMITED TO ALL SAVINGS, CHECKING AND OTHER
ACCOUNTS, CERTIFICATES OF DEPOSIT, NOTES RECEIVABLES, COLLATERAL,
PLEDGES, DOCUMENTS OF TITLE SECURITIES, COUPONS AND SAFE DEPOSIT BOXES.
GARNISHEE(S) as follows:
and to notify the gamishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee. you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $26,252.35
LL
Interest FROM 7/9/04 AT AN INTEREST RATE OF 6% PER YEAR
Atty's Corum
%
Due Prothy $1.00
Other Costs
Atty Paid $130.40
Plaintiff Paid
Date: MARCH 2, 2006
(Seal)
By:
Deputy
REQUESTING PARTY:
Name DAVID R. GALLOWAY, ESQillRE
Address: 4660 TRINDLE ROAD
3RO FLOOR
CAMP HILL, P A 17011
Attorney for: PLAINTIFF
Telephone: 717-303-6700
Supreme Court ID No. 87326
'"' ."
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
Plaintiff
NO. 042281
Ys.
CIVIL ACTION - LAW
Barry Starner
405 Cascade Rd.
Mechanicsburg, P A 17055
Defendant (s)
PRAECIPE TO DISMISS WRIT OF EXECUTION
To the Prothonotary:
Please dismiss the Writ of Execution which has been filed in the above-referenced matter DUE TO
DEFENDANT FILED BANKRUPTCY CASE 13 ON 3-14-06.
Dated:
)/Iv(/J~
I
Respectfully Submitted,
Amy F. Doyle .squire ID No. 87062
Daniel F. Wo son. Esquire ID No. 20617
Philip C. Warholic, Esquire ID No. 86341
Donald P. Shiffer. 1lI. Esquire ID No. 89451
Andrew C. Spears, Esquire ID No. 87737
WOLPOFF & ABRAMSON. LLP
Attorneys in the Practice of Debt Collection
4660 Trindle Rd.. 3cd Floor
Camp Hill, PA 17011
(717) 303-6700
W&A File No. 110431631
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CERTIFICATE OF SERVICE
I, Amy Wise, an authorized agent of WOLPOFF & ABRAMSON, LLP, hereby
certify that a copy of the foregoing Praecipe was served this date by depositing same in
the Post Office at Camp Hill, PA, first class mail, postage prepaid, addressed as
follows:
JAMES M BACH
352 S SPORTING HILL RD
MECHANICSBURG, PA 17050
WOLPOFF & ABRAMSON, LLP
By (1Y1~J~ LU~0--C(_
4660 Trindle Rd., 3,,1 FI.
Camp Hill, PA 17011
(717) 303-6700
Dated: March 15,2006
~
SHERIFF'S RETURN - GARNISHEE
CASE NO: 2004-02281 P
COMMONWEALTH OF PENNSLYVANIA
COUNTY OF CUMBERLAND
MBNA AMERI CA BANK NA
VS
STARNER BARRY
And now ROBERT BITNER
,Sheriff or Deputy Sheriff of
Cumberland County of Pennsylvania, who being duly sworn according
to law, at 0013:20 Hours, on the 8th day of March
, 2006, attached
as herein commanded all goods, chattels, rights, debts, credits, and
moneys of the within named DEFENDANT
STARNER BARRY
, in the
hands, possession, or control of the within named Garnishee
PNC BANK 105 NOBLE BLVD
CARLISLE, PA 17013
Cumberland County, Pennsylvania, by handing to
WENDY WHISTLER (TELLER SUPERVISOR)
personally three copies of interogatories together with 3
true
and attested copies of the within WRIT OF EXECUTION
and made
the contents there of known to Her .
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
.00
.00
.00
.00
.00
.00
So answ~~~ .
~~ ...t:~
R. Thomas Kline ~
Sheriff of Cumberland County
Sworn and subscribed to before me
03/09/2006
B~~c<,i.rt
Deputy Sherif
this Ilflz- day of~
~'"' ~
prof'no," .. 1