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HomeMy WebLinkAbout04-2449 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff NElL P. SUNDAY VS. Defendant CIVIL ACTION - LAW 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 o en persona o por abogado y archivar en la corte en forma escrita sus defensas o 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 o notificacion y por cualquier queja o alivio que es pedido en la peticion de demanda. Used puede perder dinero o sus propiedades o otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABODOAGO IMMEDIATAMENTE. SI NO TIENE ABOGADO O SI NO TIENE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABA JO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSITANCIA LEGAL. Cumberland County Bar Association Lawyer Referral Service 4th Floor, Cumberland County Courthouse Carlisle, PA 17013 (717) 249-3166 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff NElL P. SUNDAY VS. Defendant NO. CIVIL ACTION - LAW COMPLAINT AND NOW, comes the Plaintiff, by and through its attorneys, Amy F. Wolfson, Esquire, and the law firm of Wolpoff & Abramson, LLP, and files the within Complaint and in support avers as follows: 1. Plaintiff, MBNA AMERICA BANK, N.A., is a Delaware corporation doing business within the Commonwealth of Pennsylvania, and the other states of the United States, with its principal place of business situated at P.O. Box 15718, Wilmington, Delaware 19850. 2. Defendant, NElL P. SUNDAY, is an adult individual with a last known address of 119 7TM ST, CUMBERLAND County, NEW CUMBERLAND, PA 17070-1956. 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 Plaintiff's licensees. 5. Defendant have 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 of the Plaintiff for the outstanding balance due. A true and correct copy of the Arbitration Award is attached hereto, incorporated herein and marked as Exhibit "B". 9. That Defendant has made sporadic and irregular payments which have been applied to the outstanding balance of this account. 10. As of the date 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 $10,728.95. 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 of Wolpoff & 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 compulsory arbitration. VERIFICATION Amy F. Wolfson, Esquire, hereby states that she is the attorney for the Plaintiff, MBNA AMERICA BANK, N.A., who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, she is authorized to take this verification on behalf of said Plaintiff in the within action and verifies that the statements made in the foregoing Complaint are true and correct to the best of her knowledge, information, and belief, based upon information provided by the Plaintiff. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: May 21, 2004 Am y F.~Wol~quir~ Wolpoff & A'bramson, Attorneys in the Pract~e of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146 ID No. 87062 EXHIBIT "A" mt ~epi~ p~l ~d a~nt ln~ a~ . ?~ ~ ~U :~ ~d~ ~ ~ p~u~ and M~ ma7 ~a~ ln~o~;U~n a~ut y~ ~ MSNA and o~s[~ ~ M~A with o~er ~his ~11o~ us to off~u p~u~ and ~1~ refaU~nshi~ with a~er camp~i~. ~e ~tYOU tO U~e~d out information ~ar~, ~: y~ ~i,~ ~n ~ s~ lnfo~on a~ut ~g ~i~ n~;~ d~ ~he prlva~ ~cU~s of "~BNA"), ~or financial prodb~ and se~ e~n~d ' ~ lhe I.~ o[ ~he Untte~ (tate~o~ ~erim. notice e~lain; MB~ In{o~tlon ~lle~lon and sharln{ p~ices and 1~ yeu ~=se whe~er or not MBNA may snare cer~m J~forma~on ab~t ~, ekhet Oa~ se~l~ P~ed.~ MBNA ~de~nds :he. )~poR~n~ ~ p~:e~ a~ ~e~ng ]~a~n and usf~ R app~prlat~r, ~ ~ inf~a~on a~uc you is r~l~ TO ~e ~]e d M~NA w~ ~u~ it plovJdc pr~ of ~J~ tO ~. We ~ ~{. el~ni~ and p~l ~ ~ COmply ' When M~ ~a~on ~bouc~ ~mp~{~ O~[de ~ M~ ~ t~uire t~m to Impo~ ~f~gua~, u~ it only for a ~1~ pu~Se, f ~n~ ~.o re;urn h ~o us or destroy it onc~ that purpose cie~y, M~NA requlr~ any ~m~ny r~vin~ [n[o~ our busines~ and m ~n~is~ently deliver th. ~p-qualizy Customer se~i~yo~ ~ from us. S~u~ inf~t~a~lo~ in~uda ~e ~ollowln~ · ln~o~a~on ~e m~e homyouon by telephone, or ovar ~e lnteme~ ~ou'~ made to us, or ~a~int ~r ~o~ent, credit, or o~r reJadonshl~ and sh~re a~l el :~= Information we colt~t ~ ~U be~ ~ee: vour needs. ~e be~[~e th[s Is ~n~nl~t [0~ y~u ~ nd may save y~ both Ume end mon~. To do ~. we share tdan[[ti~on Info~a~i~n l~ch as name =n~ cdd~s}, ~tansa=lo~ and ex~erlenc~ In[o~aflo~ (=uch ~s pur:~ a~d payme~}.crcdi~ cliglb~l[~ Jnfo~a~n {~uch as c~dl~ r~po~s and and other [n/o~tlo~. Thededsion n~ ~ share ~ ell~l~ J~on a~ in Ma~ but pi~ unde~d ~]s do.~ ~p~bit ~ [~om o~eflng ~u add[~nsl pmd~t~ a~d ~ from sha~ng t~a~ion and ~r[~ce. id~n~tlon, and o~er ~n/o~atf~ ~n ~BNA ~ime, ~ ma~ al]~ ~m~ ou~ide of MB~ to off~ you ~e~r p~u~ and ~c~ that may In~ ~u. ~ese pr~u~ and ~e~l~ ma~ b~ offered ~ ~[Ce pr~i~em {such ~ ~n~. I~n bm~. a~unt mor~e bankers, a~ ~fl~ ~). ~n~del ~mpanl~ (su~ ~ m~fl~, d]~ ~r- ptovide~, manurers, me~ ~m~i~, ~l · ~en~, cru(se line~, car Nn~a~ ~gencies. hotels, aldlne~, Addfc~onalty, ~e may :hare a I[ the ln~e~i~Jo~ we co~le~ with ~mpanla~ ~at ~r~rm ma~ket]~ ut other with 'i'hich ~e ~zve [o~ marked~ ~r~mcnm. ~e you ~h o~her companies in cer~l~ ~rcumstanc~. For in~ance. ~ m~y s~re ail el ~e info~e~on we coIle~ wJ;h ~m~nl~ ~]sti~g us in se~fdn~ ~ r~a~o~7 ~quiremen~. and wi~ ~n~,mer a~en~es. I~au teR us not ~ abate J~o~mtlen ~ under,and ~ha~ we ~J[] ~nEnue to ~re In ~hese ~ddi~on~l ~r~msWnCes. ~po~[ Infor~uu ~ut ~o~r ~ol~ dmdi~t~ co m~n~ your n~a - and to f~ ~r cho~s rel~ t~ ~r{~. You may ~ell us no~ co ~tt ell~lblH~ lntor~tion ~tNn MBN~ and ~ ~y tell ~s ~c ~ s~are In~or~tion with ~m~nles ou~de O~ MB~ ~hat ~sh to o~e? ~u th~r DT~U~ and as ~esctbed above. If you ~bh to opt o~ 0~ W~ ~il[ ~ ~ ~ vc~?our Id~fl~ and the ~d~c a~ou~ ~ w~ch the opt o~ e~ll~, ~o pl~e ~ave YOUY acCOunt, membership, or ~eren~ num~cm and your ~la[ ~cu/l~ ~o~ber or ~ayer Identlfi~ti~ M~NA $pplles OP~ o~ at ~e e~nt I~. nat ~ indMdual Cu~er. When a~ ~n lisc~ ~th on an a~unt ~.out (~or ~mple. e ~pllcan~ Iofnt a~un~ as havln~ ~ ~t MBNA will continue to .~dhere ~o ks dlscJo~d g~l~ ~mcd~s for a~ a~on[ even if i: bccom~ i~d~ or is d~ed. An op~ o0~ fro~ ]~or~a~ S~rJ~ ~ a~ account asd~i~ able, either wi~in MBNAan~ companl{s o~)de ~ ~ ~ai~ effe~e u~ ~d tn w~un(, ~1 ~u~ ~ulre us to pro,de ~his n~ce on an annul ~, whe:~ ~ an ac~=nt ha~ pr~lous~ opt~ o~ ~m el~er ~ r~e~e our s~b~cqu~n~ nO~Lc~ :~at ~n accent p~iO~y r~gar~i~g ~h~s prl~ pm~ices can~ine ~he priva~ notlce, pJ~se go t~ ~ mbna ~m and "Pr~va~ N~ti~.' Y~u may ~ve ~het p~v~ n~tce a: an~ time, ~ we will in[orm gou o~ ~ulred by law. ~or~s US~ O~ t~t T~ ~a~e a Che~ ~h ~von~ on your Mae ManOr ~d R~ Te~ene ~ or~er ~edit d~..Ple~ P~oses for:Usfno Yo~r Accoua~ , You may use ~ur Pg~o~ Usbta Yoar A~nt a~c the ~nt ant!~ ~ ~ ~e a~unt hat~ Ho~u You Ma~ ~y~ ~ly a; · ~i~n ~op pt~ent Yo~ Mae.Not Pestda~ Y~ ~mm~ ~ pay us ~he ~ou~;; ~f ~[} ertl[ ~ou obi[n, which in~lude$ a~ ~u~cha~es an~ C~sh Advent. us at an~ dine. ~ ~d~ i~a:er ~han ~ ~ ~nlmum ~t Oue ~our o~l~atlon to m~e ~e n~t ~e~ p~m~t~ th~are n~ W~et; Yo~r P~Htent W~.B~ Cre~l~ ~ Yoar ~co~nt i; { 1) ~Iv~ by 2 p.m. (E~tem ~me)~ (a) recedes at the .addr~s sho~ in th~ ~pp~ ~ut ~thl~ statement; ~ p~d with ache~a~in U.~, o~ce ~ {4) sent I~ t~ ~ en~lope ~i~ on,the r~i~d ~tt~ 2 p.m. on ~ny may ~e dela~ Up to ~ - Wa wUI all~tC your p~en~ ~la~es with higher ~. ~la ~tU result 1~ n~ bala~ w~h ]o~ ~ ~su~ ~ ~e ~th pramot~al ~n8 paM be~m any ~r ~ ~lan~ r~ponslble ~Or an~ t~l ~mndi~ ~len~ ~ ~al eu~ndl~ ba~a~, un~l ~e~S, and o~er ~e~t ~ ou~endl~{ under the ¥cu ~HI ~ in ~led~lt ~! t~Is ,~rnent I~ ill you ~ll g~lo~l cr=~: l~a~tan~ purveyed through ~N~ ~u If yau a~ In d~hu[~ we can r~ulm Imm~e p~ce~, ss ~ell as t~able attam~ ~ If pe yder ~layled e~plo~a, , Ot;~er PaEvzent ~erms urger ~ig ~m~an[ ~ m~ ~at no D~m~L usaa pos~d;t~ ~e~ma~pa~nt. tl~ d~ . ~[[hout. In ~thcr ~e, waiting [o= ~a.~te sho,~ o~ ~e . ir.~r~ by you aHs;~ ~uC Of the aalon ~ ~ to Pa~tn~at Hollda~t ' ' ~eaL We w~l n~l~ 7OU ~e~ ~a option la a~ilabl~. aclue on )~ ac~u~ i. =~aaee with ~ Tran~ad~ Ma~e fn Foden It ~ ~ a ~ In a ~elen m~ t~tm~an ~onal. ~ne an whl~ ~ ~ ~,lam I ~ed. ~c~, t~e ~laCl~a and o~ . A~nt F~s ~ ~ic ff~it on :~e I~c ~ay of'a billin~ ~e. ~n Ir leu or 5~ ~aJ~ dm~a ~JI be ~o~ded for k~ ~ fat Any co~ jncur~d by ~ a~a~d wi~ ~mp~e with state abanda~e~.p~ la~, Dlsclo~:e for a~dldonal ~es and ~g~ ~ may ~ ~ ~me ~ ~me by ar ~ b~aK ot ~A ~, we m~ Re~a! to Honor Your Yo~ ~a~ ~o~ Your You m~l ~{m Y~, ~ ~Y ~ us'~ ~tln{ u~ UY ?ransact~o~ A~r vo~r ~,~t ts W~,,Ma~ 9eR Yo~ Accost , ' ~r~c. Qr cur ~ ~ Qbllpc~s ~d~ ~ ~n~ ~ ~ whom we make ~y E~e~ Yoar Credfl LfmR ~e ~ a~d~ ~ ~ ~ur ~ plu~ ~hl~reemer, t, You~ What ~w A~ }m~u~ ~ur btBin~ addm~t at the ~ 12 EXHIBIT "B" 111 NATIONAL ARBITRATION FORUM MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. Attomeys in the Practice of Debt Collection 702 King Farm Blvd, Two lrvington Centre Roekville, MD 20850~5775 CLAIMANT(s), AWARD MBNA America Bank, N.A. v Neil P Sunday File Number: FA0308000187009 Claimant File Number: 5329056053000183 Neil P Sunday 119 7th St NEW CUMBERLND, PA 170701956 RESPONDENT(s). The undersigned Axbitmtor in this ease F1NDS: 1. That no known conflict o£interest exists. 2. That on or before 08/14/2003 the Parties cotered 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 tiled 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 evidcoee and information to the Arbitrator. 6. That the Arbitrator has reviewed all evidence and information submitted in this case. 7. That the information and evidence submitted supports the i~uance of an Award as stated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of $10,728.95. Entered in the State of Pennsylvania Date: 12/31/2003 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 referanced addresses on this date. Honorable Harold Kaliim Director of Arbitration 12/31/200~ MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Blvd, Two lrvington Centre Rockville, MD 20850-5775 CLAIMANT(s), RE: Barry J Stamer 405 Cascade Rd MECHANICSBURG, PA 170555520 111 NATIONAL ARBITRATION FORUM · AWARD MBNA America Bank, N.A. v Bar~y J Starner File Number: FA0311000213957 Claimant File Number: 5490999017601088 RESPONDENT(s). The undersigned Arbitrator in this ease FINDS: 1. That no known conflict of interest exists. 2. That on or before 11/21/2003 the PaRies entered into an agreement providing that this matter shall be resolved through binding athitration in accordance with the Forum Code of Procedure. 3. That the Claimant has filed a claim with the Forum and served it on the Respondent in accordance with Rule 6. 4. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 5. The Parties have had the opportunity to present all evidence and information to the Arbitrator. 6. That the Arbitrator has reviewed all evidence and information submitted in this case. 7. That the information and evidence submitted supports the issuance of an Award as stated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of $22,676.73. Entered in the State of Pennsylvania Date: 03/16/2004 ACKNOWLEDGEMENT AND CERT/FICATE 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 addrasses on this date. Honorable Harold Kalina, Ret. Director of Arbitration 03/16/2004 SHERIFF' S RETURN - CASE NO: 2004-02449 P COMMONWEALTH OF PENNSYLV~NIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS SUNDAY NEIL P REGULAR S H~NNON SHERTZER Cumberland County, Pennsylvania, says, SUNDAY NEIL P DEFENDANT at 119 7TH ST NEW CUMBERLAiqD, PA 17070 LORI HECKLER, GIRLFRIEND Sheriff or Deputy Sheriff of who being duly sworn according to law, the within COMPLAINT & NOTICE was served upon 10th day of June by handing to the , at 1900:00 HOURS, on the together with a true and attested copy of COMPLAINT & NOTICE 2004 and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 11.73 Affidavit .00 Surcharge 10.00 .00 39.73 Sworn and Subscribed to before me this ~?~7~. day of So Answers: R. Thomas Kline 06/14/2004 WOLPOFF & ABRAMSON IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS. NEIL P. SUNDAY Defendant No. 04-2449 PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendant, NEIL P. SUNDAY, for want of ANSWER TO COMPLAINT. ( X ) Amount due Interest from December 31, 2003 Attorneys Commission Filing Costs TOTAL $10,728.95 $ to be determined $ to be determined $ to be determined $10.728.95 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~[~/Opeand a copy of the notice is attached.signature:A ID No. 87062 DATE: 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 · 201~, JUD~VIENT JS EN,T~RE~D A~OVE. Prothonotary/Clerk, Civil Div~ Deputy ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS. NElL P. SUNDAY Defendant No. 04-2449 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, NEIL P. SUNDAY, above named, are over 21 years of age; is last know to reside at 119 7TH ST, NEW CUMBERLAND, PA 17070-1956, 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. 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 SWORN and SUBSCRIBED To before me this 1~ day of , Notary Public Cit~ Of '¢'ork, York IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS, NEIL P. SUNDAY Defendant No. 04-2449 CERTIFICATE OF RESIDENCE I, Amy F. Doyle, Esquire, duc hereby certify that the last known address of the above referenced Defendant is as follows: NEIL P. SUNDAY 119 7TH ST NEW CUMBERLAND, PA 17070-1956 Respectfully submitted, Date: July 12, 2004 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 MAIN OFFICE TWO IRVINGTON CENTRE I)RANCH OFFICES 919 N, MARKET ST., STE~ 1300, WILMINGTON, DE 19899 1954 GREENSPRING DR., STE. 400, TIMON)UM. MD 21093 2625 TOWNSGATE RD #330, WESTLAKE VILLAGE, CA 91361 267 E. MARKET ST., YORK. PA 17403 ~ N LL YNE K LAW OFFICES WOLPOFF & ABRAM$ON, L.L.P. Attorneys in the Practk~ of Debt Collection (A National Collection Attorney Network Firm) 267 E. MARKET STREET YORK, PA 17403 (TOLL FREE) 1-800-758-0675 FACSIMILE 717-848-1146 pLEASE DIRECT ALL INQUIRIES TO YORK OFFICE ATI A R ~ K FARGO, NORTH DAKOTA CLEVELAND. OHIO OKLAHOMA CITY, OKLAHOMA EUGENE. OREGON PROVIDENCE, RHODE iSLAND COLUMBIA, SOU~-I CAROLINA KNOXVILLE, TENNESSEE HOUSTON, TEXAS SANDY, UTAH MILWAUKEE, WISCONSIN RAWUNS, WYOMING July 1, 2004 NElL P. SUNDAY 119 7TH ST NEW CUMBERLAND, PA 17070-1956 RE: MBNA AMERICA BANK, N.A. / NElL P. SUNDAY Docket No. 04-2449-CIVIL (CP CUMBERLAND COUNTY) Collection Matter Dear Mr/Ms Sunday: We enclose a 1 O-day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, WOL~P~FF & ABRAMSON, L.L.P. AFD/IIb 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 NElL P. SUNDAY VS. Defendant No. 04-2449-CIVIL TO'. NElL P. SUNDAY 119 7TH ST NEW CUMBERLAND, PA 17070-1956 DATE OF NOTICE: July 1,2004 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: Doyle~, ui~re~ .. Amy F. 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