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Home My WebLink About04-3063 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff VS. HAROLD L. HENRY AND ISABELLE G. HENRY Defendants 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 r~quested 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 ia notifiation. Used debe presentar una apariencia escrita o en persona o por abogado y archivar en ia 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 VS. HAROLD L. HENRY AND ISABELLE G. HENRY Defendants CIVIL ACTION - LAW COMPLAINT AND NOW, comes the Plaintiff, by and through its attorneys, and the law firm of Wolpoff & Abramson, L.L.P., 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 DE, 19850. 2. Defendant, HAROLD L. HENRY, is an adult individual with a last known address of 824 LINWOOD ST, ADAMS County, NEW CUMBERLAND, PA 17070-1442. 3. Defendant, ISABELLE G. HENRY, is an adult individual with a last known address of 824 LINWOOD ST, ADAMS County, NEW CUMBERLAND, PA 17070-1442. 4. It is averred that Defendants were 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". 5. At all relevant times material hereto, Defendants have 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. 6. Defendants have been provided with copies of the Statements of Account accurately showing all debits and credits for transactions on the aforementioned credit card account. 7. Defendants did not object to the above mentioned Statements of Account submitted by Plaintiff to Defendants. 8. Pursuant to the Credit Card Agreement, which Defendants 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. 9. That this matter was referred to Arbitration for determination and disposition, whereby an Arbitration Award was entered against the Defendants 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". 10. That Defendants have made sporadic and irregular payments which have been applied to the outstanding balance of this account. 11. 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 Defendants and/or any authorized users is the sum of $ 7,374.96. 12. Despite reasonable and repeated demands for payment, Defendants have 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. 13. Plaintiff has retained the services of the law firm of Wolpoff & Abramson, LLP in the collection of the amount due from Defendants. 14 Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 15. The arnount 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 Defendants, HAROLD L. HENRY AND ISABELLE G. HENRY, in the amount of $7,374.96, plus costs of this action and such other relief as the Court deems proper and just. Respectfully submitted, ID No. 86341 Daniel F. Wolfson, Esquire ID No. 20617 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff VERIFICATION Philip C. Warholic, 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: June 21,2004 Respectfully submitted, Am~ F. Doy~, Esquire ID No. 870(,¢ Philip C. W~rholic, Esquire ID No. 86341 Daniel F. Wolfson, Esquire ID No. 20617 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff EXHIBIT "A" Y~ Contract Wft~i IJs ~bl~r ~ the ~ T~ ~, ' - P~v~ Notice ~ all~ ~s ~ off~ ~ p~ ~d ~ ~t ~is n~ce ~ I~.. arid M~NA ~mfl~ ~e~. '~ONA"), ~r fiflan~l pTodb~ and ~ ~ed' the ]a~ ~[ the Ofll~ qtat~of ~ed~. Th~ ~ ~A or ~ O0T ~ ~ ~r~ :o ~e ~ ~NA~ ~lt ~ mm~ 0~ co~pany :o ptol~ ~e [~[ormaOon ~s ~ wo~ld, ~onp~bl~c p~r~na~ lnlo~a~on a~ut you [o con~u~ o~r b~sin~ I~d ~o mnal~tendy deliver ~ in[ormaO~ Include ~e b~ tcle~one, ~r ~r ~e '~i~ other ~pani~ ou~de O[ Jn~o~a~n ~e S~ Wl~ln M~ ~e tional p~u~s ot ~iC~ ~ IA~er~ ~ an6. be~ m~ ~our ne~ ~ bel;~ this [s [~ ~u a nd may s~ ~ both Omc a~ m~. ~,we sham identlrl~ Info~a~&n t~ a~ ~me in[o~a~on (such is ~R r~po~ ,~d a~p~cat~nsl, end ~her i~o~on. The ~dlion to p~ ~ntL ~ruLse ~e~. are al~ pe~l~C~ y~ ~h ~po~nt Info~ A~ YO~ ~1~ ~e'te chol~ You% ac~hL ~bershlp, ~ ~er~ numbe~ aM ~ut ~ial ~u~ ~et. ~ a~ u~. ~ ~11 ~ the mtl~e a~nt ~h~a'co ItS dlscl~ pfl~ ~ f~ an ~unt ~n If It b~ I~ or ~ d~. ~ ~ wd~ ~1 ~ ~uh m to ]ncc~cL ~nd ~o ~ ~e m~t r~cent ~ ~lon ~ thi~ p~w~ noclce, pl~se go to ~ mbflg ~m ~d ~ S{on Yonr namE. iddr~. ~me ph~ n~, ~d Hp~ ~ Use Your Accou~ P~o;~ for:Ud~ Ye~ Ac~u;~, thls or any ot~r ~e~m P~e~s Using Your a~unt aunt. or ot~f Ho~ ~ou Mug Stop Pa~ent o~ Acc~s PK~ on Yo~ ~t W~lt Yo~ Pa~nt Wi~.Bg Oa~.~ut ~;c ~se m~t (he eb~ ~UI~,~{ bq ~ ~1 ~ bl~ u~ alt ~ ~ ~ ~ t To. M~!~ C~o. Year Ar~omtt ~. ~n ~ a ~d this ~ePt, we ~ith thc applique ~ ~ulrcm~U ~ fede~ and W~Ma~ Se~ Yo~ ~cc~ . Your Cr~dR am~flt of ~ pmm~ly ~ four ~ ~s. ~. o~lla~, I~ ~ ~ : ~-~90 CRev~,~O0~) EXHIBIT "B" MBNA America Bank, N.A. c/o Wolpoff & Abramson, i,.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Blvd, Two Irvington Centre Rockville, MD 20850-5775 CLAIMANT(s), RE: Harold L Henry 824 Linwood St NEW CUMBERLND, PA 170701442 111 NATIONAL ARBITRAT ION FORUM ® AWARD MBNA America Bank, N.A, v ltarold L Henry & lsabelle G Henry File Number: FA0401000227224 Claimant File Number: 4313088231036145 lsabclle G Henry 824 Linwood St NEW CUMBERLND, PA 170701442 RESPONDENT(s). The undersigned Arbitrator in this case F1NDS: I. That no known conflict of interest exists. 2. That on or before 01/I 5/2004 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 Formn 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 $7,374.96. Entered in the State of Permsylvania Date: 04/05/2004 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 the above referenced addresses on this date. llonorable Harold Kalina, Ret. Director of Arbitration 04/05/2004 SHERIFF'S RETURN - CASE NO: 2004-03063 P COMMONWEALTH OF PENNSYLVANIA: COLrNTY OF CUMBERLAND MBNAAMERICA BANK NA VS HENRY HAROLD L ET AL REGULAR VALERIE WEARY Cumberland County, Pennsylvania, says, the within COMPLAINT & NOTICE HENRY HAROLD L DEFENDANT at 2000:00 HOURS, at 824 LINWOOD ST NEW CUMBERLAND, PA 17070 ISABELLE G HENRY, SPOUSE a true and attested copy of COMPLAINT & NOTICE Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon on the 14th day of July by handing to the 2004 together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 12.58 Affidavit .00 Surcharge 10.00 .00 40.58 Sworn and Subscribed to before me this /~ ~---~ day of A.D. Prothonotary t · So Answers: R. Thomas Kline 07/15/2004 WOLPOFF & ABRAMSON iff SHERIFF'S CASE NO: 2004-03063 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS HENRY HAROLD L ET AL RETURN - REGULAR VALERIE WEARY , Cumberland County, Pennsylvania, says, the within COMPLAINT & NOTICE HENRY ISABELLE G DEFENDANT , at 2000:00 at 824 LINWOOD ST NEW CUMBERLAND, PA 17070 ISABELLE G HENRY a true and attested copy of Sheriff or Deputy Sheriff of who being duly sworn according to law, was served upon HOURS, on the 14th day of July the 2004 by handing to COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers Docketing 6.00 Service .00 Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 16.00 07/15/2004 WOLPOFF & ABPJtMSON Deputy Sheriff Sworn and Subscribed to before me this /g- day of ~ A.D. ' Prothonotary IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLV~MNIA MBNAAMERICA BANK, N,A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff vs. HAROLD L HENRY JR 824 LINWOOD ST NEW CUMBERLND PA 17070-1442 Defendant (s) No. 043063 PRAECIPE TO SETTLE AND SATISFY PLEASE I~K THE ABOVE-CAPTIONED ACTION AS SETTLED,, SATISFIED AND DISCONTINUED. Respectfully submitted, By: Bruce H. Cherkis #18837 Philip C. Warhollc #86341 David Schertz #81925 WOLPOFF & ABR.~d'ISON, L.L. P. Attorneys in the Practice of Debt Collection 267 East Market St., York, PA 17403 (717) 846-125?- Counsel for Plaintiff cc'- PAPR4/PA176A W&A FILE NO. 113784789 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNAARERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS, ISABELLE G HENRY 824 LINWOOD ST NEW CUMBERLND PA 17070-1442 Defendant (s) No. 043063 PRAECIPE TO SETTLE AND SATISFY PLEASE MARK THE ABOVE-CAPTIONED ACTION AS SETTLED,, SATISFIEDAND DISCONTINUED. By: Respectfully submitted, Daniel F. Wo~on ~]~0617 Bruce H. Ch~!~i~. #18837 Philip C. Warholic #86341 David Schertz #81925 WOLPOFF & ABR~MSON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market St., York, PA 17403 (717) 846-1252 Counsel for Plaintiff cc: PAPR4/PA176A W&A FILE NO. 113784789 A