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HomeMy WebLinkAbout04-2560 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., Plaintiff BARRY J. STARNER 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 hah demandado a used en ia 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 escdta o en persona o pot abogado y archivar en la corte en forma escdta 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 pot 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 OFIClNA 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 VS. BARRY J. STARNER Defendant 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, BARRY J. 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 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 $ 22,676.73. 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 pedormed by Plaintiff. 14. The amount in controversy is within 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 J. STARNER, in the amount of $22,676.73, plus costs of this action and such other relief as the Court deems proper and just. Attorneys in the Practide of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146 ID No. 87062 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. Wolpoff & Al~ramson, L.L/~. Attorneys in the Practic~'of Debt Collection 267 East Market Stre~f York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146 ID No. 87062 EXHIBIT "A" ~va~ Notice ~m~ to~ ~ ~ the ~n~ ~i¢t, 'And ~ilt ~aflon abou: ~u ~ in~T~ ~ and be~ m~t ~uf'ne~ they ~t~ a~a~labl~ dlr~iy from M~ or through O~r re[at, unships ~i~h ~.r comp~i~. ~e ~t ~ou to u~e~d our inlormaUon ~(~ards, ~e ¢o11~, ~hat lnro~t~fl w~ ~are, ~d ~[(aHian ~vaI ~. lng. M~NA Hailmat~ . ' l~ormatl~n $e~i~, lne.. MBNA ~a~ ~tems. I nc.. a~d M~NA tnsqra~Ce ~e~, In~. [colle~ely. h~ lh~ ~ o[ t~* Un[t~ ~tateto[ ~erl~, This notic~ i~[aln~ ~B~s In~o~t~on ~ll~on and sharing p~lces and l~ou ~se ~'he~er Or not l~po~sn~ ~ prot~b~ a~ se~ng I~aUon and us~ ~ ap~ptlat~y, ~:~ ~ tnfo~on Is t~tl~ :o ~e ~l~ · ~NA wh~ ~u~ ' and tu rslum D. L~.~ us: or destoF it cra. ce tbs: Butp~t ~ed, W~ l~i: ~e amount at lMormafion share~ company ~o pro~ ~e ~n~ormetion as v~ ~vo~ld, nOnpubli; personal information abou: you ~o Our business ai~d ~o con~iilentJy d~liver tko ~p-qualtty · !n[o~a~on ~ ~e ~rom~uo~ ~ppi~tio~ by telephone, or over ~he la[cruet: · In~o~a:Ion ~ t~e~e ~om thi~ p$~i~, su~ consumer ra~mng e~epa~, to vefl~ ~:emen~ you'~ made to us. or re~tdlna ~r ~plc~e~t, or.lt, or c~r relsdonshl~ and · mfomn a:ion ~bo~ your t~n~tons ~lt~ M~ · ~ilh o:he? ~mpan~es aut~l~e o~ /iaa~cia{ se~ compani~ wit~n ~ ~o o~ ed~- [~ ~u ~nd may save ~ ba~h Omc and mon~. ~, we sharu idend[ica~on info~atl6n t~ch as name [such a~ p~rc~ and paymen~l.~edi: ~iglbilI~ ~u~ p~u~ or ~ ts ~ alone, YoU ~y in M~ b~t pi~ under.nd a~ dOP~ ~pm~bit ~ Dot~ o~efi~ 7ou add[~nal products a~d ~ Info.arian ~e Sham ~h Oth~: ~m time tO ~u ~e~t p~ a~d se~c~ the[ may tnt~ ~. ' ~ce provi~n (such ~ ~n~. I~n b~. a~u~t k~e~, ~uRlcatlons ~, Interne[ ~[le~ w~h camp~nl~ ~at ~fform mmkerl~ o~ o~h~r w~h '~hich ~e ~ve ~oi~ marke;l~ ~r~mca~. are also perml~ by I~v to sham info~a[i~ ~or ins~nce, wc may share all ol ~e info~aoon we co[le~ with ~m~n]~ ~s~tin~ us In ~cwJclng ~ur lo~n or a¢~, ~Lt~ ~nies t~ ~dor~e o~ prodq~s ~nd ac~ccs t~mugb a~i~ ~ government ~tI~ tn t~s~nse ~ ~h~nas r~l~o~y requirement, and wi~ ~sumer re~r~ ~gen~es, I~youtel[ usnatm~hateinrorm~tioo ~ com~nt~ bu~ide o{ ~ t~t ~h m o~ecy~ :hair pr~ucts a~ ~e~, ~$ d~ a~. under~a~d ~ha~ we will ~ntln ue tO ~re IR th~se addit)o~l ch~i~s relG~ t~ p~, You ~y tell us no: ~o sha~ ~tt ellglblli~ inform~lon ~thln MBN& and ~ ~y mil ~s ~ to a~are In[ot~tion ~:h ~m~nles outside bP M8~ ~hat ~sh co ~[~r ~ their p~u~ ~nd ~s dq~tbed ~bove. ](~OU w~b to O~ o~ of ~oup~ ~ ~ch the opt o~ a~li~, ao pI~s~ have all your accOu~t. ~mber~hlp, or ~eren~ numbe~ an4 YoUr ~lal ~cutl~ number or ~yer Identifi~tioa numar for d~stl ~o~n~ ~ilable when ~ ~11, M~NA appllea ope O~ at ~e m~ount I~. not ~ Individual Cu~omer. When any ~n llsc~ ~h athe~ on an a~unt ~ out Ifor ~ple, e ~ppllcan~ Ioint ~ounE h~er. ~ &ulhat~ us~). ~ will ~ist the a~ount as having~ ~t MB~wiII con~lnue tO ~ ~dh~ro':o ks dl~c]o~ pt[~ D~cfl~ for aR a~unt , Aa opt out from In~otmat[o~ sharln~ on an account ~ d~g~ able, either w~in M~NA anchor companies o~)dv o~ ~A ~aim effe~ve u~ ~o~d tn w~cin~ ~e)al ~ ~utre us to pr~de ~his n~ce on an ~ual ~ls, wheth~ ~ .a~ ac~anc has prwlous~ opted o~ ~o~ el~er ~ priva~ ~odce. please go ~ ~ mbnl ~ and on "~rlva~ Natl..' You m~ ~ve o:her ptiVaW t~ions under sta~a I~ws. ~e ma~ am~d ~h~ p~q ~tce a: an~ :tree, ~d we ~1]1 inform ~ou o{ tc ~aKe a C~e~ ~h ~van~ on your a~ou~t. ~emmi} ~ o~anize ~b ~mcA~ %e a~l cer~ ~ m~ ob~in them, " ~a~r~ don~ ~ th~ ~I~ ~t ~e ~ ~ ar ~ the P~oses/ar:Usf~ Yo~r Ac~mzt, You ma}' use ~ur a~unt far perso~[, ~l~.~ h~hold ~o~s Usi~tg Your If y~ ~1{ en7 pQ~ ~ V~ your ~. a~ ~. G~unc aum~t, or ot~r c~t ~ wkh t~e a~ho~don to UonS rode By a~ ;he ~ount Ho~u ~oK M~ StoF Pagment on Access Y~ ~ ~ue~ e st~ ~ ~ an a~s ~pr~ YaK M~g.H~ Postla~ ~ ~ce~ C~ Your Pro.~e ~ Pug obca(n, ~h~h i~du~es aH Pu~cham~ a~ c~sh A4va~, Pa~n~ on Y.~ Accom~t ~aym~n: Due eh~ on ~uf m~ s~m~t b~ war Wfi~. Yoxtr Pa~;~tent WiZI,Be Creeled 0 ~o~r ~co~nt a~r~ sho~ in th~ upper leJt,haR~ ~mer d'the/~nt d d~Ua~s on e U,a. ~nan~l l~t~t~on m~i~d ~f~ 2 p.m. on ~ny may ~e dela~ up ~ ~ da~, . Ho~ We A~ Your Pa~)ne.t~ "~e ~tll all~tc your pe~enm Prom{se ~ Pa~ ~pIi~ ~ All P~f~ ~y ~1 eu~udlng ba~n~. .. ~c~uir~ T~al ~i~imum P~ym~t ~.ue ~ a~li~ble'~aw a~d a~ ~ och~be pm~d~ - Due each m~ M ow~8 a ~ent hoa~ , ~, C~ent~. ~e ~laClonl and YOur ~[Iting ~c[~ ~ e~ ~onth A~unt F~s ~ C~r~es ~ Pu~ ~ she b~{ ~i~ ~it o~ the I~t day m~{~ belan~ ~n ~ura~t ~u?r~ i{ml~ re. tried ~o, l~u~qi~t s~ sa]~ dm~ ~lt ~ pTo~de~ ' A~udo~d-Pmpe~ ~a~: Oni~s p~hiblt~ fat ~ny co~ )ncu~ state abendon~.~ iai, Distingue tot a~dldonnl Wt ~y ~7ou ~n br~um m~ o~ o~l d~m~ p~ld~ ~me ~ ~lme ~ ~r ~ ~alf of you~ tight ~ u~ your ~L .~ ~y do ~1~ at a~y ~me You ~y 7rans~ct~o~ m~y ~ilow you ~e .Ma~ ~ whom we W~;Wa Ma~ ~o i/Y~,~ap~ ~ ltml;, t~ou a:Tem~ a~lon ~at ~u~ ~ ~ut ~ ~u~ ~it I~m~ (2~ ~R t~ cm~on end ~se ~t xhl~ ~reemen:. U~a~tfia~ Use affair ~rd YO~ Mtn: ~ot[~ Os Wriest You CfiA~ge ~ro~p:Iy o~ ~out n~ 7o5 f~m ~el~a~ ~t ~ ~v~d ~ ta~ of t~e SmTt ~f ~l~e I~ repd ~ ~ ~ o ]G ~r C~m ~r d~ute ~'~J~ * ,,rig Cl~l~ rag,:ding the appli~lh~ of this , ;an~ p~or AD~em~, shall be ~l~ ~ biud{hl a~it~an. } '~e erbL~Bon s~a~ be ~du~d b~e Na~[ pndu~ ~ur ~ n~ eddm~ at th~ ~ ~o cl~m ~ fl~. llmk~ 1o ~edlt ~UT~aUS. Claim yOU ~ 12 EXHIBIT "B" MBNA America Bank, N.A. c/o Wolpoff & Abramson, L.L.P. Attorneys in the Praeticc of Debt Collection 702 King Farm Blvd, Two Irvington Centre Roekville, MD 20850-5775 CLAIMANT(s), RE: Barry J Starner 405 Cascade Rd MECHANICSBURG, PA 170555520 111 NATIONAL ARBITRATION FORUM ® AWARD MBNA America Bank, N.A. v Barry J Starner File Number: FA031 I000213957 Claimant File Number: 5490999017601088 RESPONDENT(s). The undersigned Arbitrator in this case FINDS: 1. That no known conflict of interest exists. 2. That on or before 11/21/2003 the Patties entered into an agreement providing that this matter shall be resolved through binding a~oitration 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 4. That the matter has proceeded in accord with the applicable Forum Code of Procedure. 5. The Partie~ 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 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 thc above referenced addresses on this date. Honorable Harold Kalina, Ret. Director of Arbitration 03/16/2004 SHERIFF'S RETURN - REGULAR CASE NO: 2004-02560 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS $TARNER BARRY J RONALD HOOVER , Cumberland County,Pennsylvania, who being says, the within COMPLAINT & NOTICE STARNER BARRY J DEFENDANT , at 1635:00 HOURS, at 405 CASCADE ROAD MECHANICSBURG, PA 17055 DENISE STARNER, WIFE a true and attested copy of COMPLAINT & NOTICE Sheriff or Deputy Sheriff of duly sworn according to law, was served upon the on the 9th day of June , 2004 by handing to together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 8.28 Affidavit .00 Surcharge 10.00 .00 36.28 Sworn and Subscribed to before me this /L--~ day of ~ A.D. ;Pr6thonot ary So Answers: R. Thomas Kline 06/10/200 WOLPOFF & ABRAMSON Deputy Sheriff 1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS. No. 04-2560 BARRY J. STARNER Defendant PRAECIPE FOR JUDGMENT Enter Judgment in favor of Plaintiff and against Defendm~t, BARRY J. STARNER, for want of ANSWER TO COMPLAINT. ( X ) Amount due Interest from March 16, 2004 Attorneys Commission Filing Costs TOTAL $22,676.73 $ to be determined $ to be determined $ to be determined $22,676.73 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 mid at least 10 days prior to the date of the filing of this Praecipe and a copy of the notice is attached. /7__ DATE: 7/[t~ ~y Signature: A ID No. 87062 Philip C. Warholic, Esquire ID No. 86341 Wolpoff & Abrarnson, 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~_, JUDGMENT IS ENTERED AS 3/~IOVE. Prothonotary/Clerk, Civil- Divis'~ Deputy IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS, BARRY J. STARNER Defendant No. 04-2560 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 J. STARNER, above named, are over 21 years of age; is last know to reside at 405 CASCADE RD, MECHANICSBURG, PA 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. Am~ Es)q re~ iD No. 87062 Philip C. WarholJc, 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 TOof before me,,~this ~ 2d& Notary Public I Cib/O~ Ycrk, Yo~k IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS. BARRY J. STARNER Defendant No. 04-2560 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 J. STARNER 405 CASCADE RD MECHANICSBURG, PA 17055-5520 Date: July 12, 2004 Respectfully submitted, 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 MAJN OFFICE TWO IRVINGTON CENTRE 702 KING FARM BLVD, ROCKVILLE, MD 20850 BRANCH OFFICES ~67 E. MARKET ST,. YORK, PA 17403 OFFICES OF WO/~OFF & ABRAM~, LAW OFFICES WOLPOFF & ABRAMSON, L,L.P. A~torneys in the practice of Debt Collection (A National Collection Attorney Network Firm) 267 E, MARKET STREET YORK, PA 17403 (TOLL FREE) 1 -E00-758-0675 FACSIMILE 717-848-1146 PLEASE DIRECT ALL INQUIRIES TO YORK OFFICE NATI C C N ATr R Y RK OFFICES OF WOLPOFF & AB,~IAM$ON, L.L.P4 HONOLULU, HAWAII BOISE, IDAHO MERRILLVILLE. INDIANA CHICAGO. ILLINOIS FARGO, NORTH DAB CLEVELAND, OHIO OKLAHOMA CITY, OK EUQENE, OREGON PROVIDENCE, RHO0 COLUMSIA, ,~OUTH C KNOXVILLE, TENNES HOUSTON, T~(AS SANDY. UTAH MILWAUKEE, WlSCO~ RAWLINS, WYOMING June 30, 2004 BARRY J. STARNER 405 CASCADE RD MECHANICBBURG, PA 17055-5520 RE: MBNA AMERICA BANK, N.A. / BARRY J. STARNER Docket No. 04-2560 (CP CUMBERLAND COUNTY) Collection Matter Dear Mr/Ms Starner: We enclose a 1 O-day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, WOLPOFF & SON, LLP. Amy F. DOyle, Esquire 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 BARRY J. STARNER Defendant No. 04-2560 TO: BARRY J. STARNER 4O5 CASCADE RD MECHANICSBURG, PA 17055-5520 DATE OF NOTICE: June 30, 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 Amy F Do¥1~squire ID No. 870~2 Amy F. Do¥1o, Esquiro ID No. 86341 Wolpoff & Abmmson, LLP. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 Phone: (717) 846-1252 Fax: (717) 848-1146