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Home My WebLink About04-3882IN THE COURT OF COHMON PLEAS OF CUHBERLAND MBNAAMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 COUNTY, PENNSYLVANIA Plaintiff VS. ROBERT L VOGELSONG JR 1111NANROC DR MECHANICSBURG PA 17055-4454 CIVIL ACTION - LAW Defendant ($) NOTICE You have been sued in Court. If you wish to defend agalnst the claims set forth in the following pages, you must take action wlthln (20) days after thls Complaint and Notice are served, by entering a written appearance personally or by an attorney and filing in writing wlth the Court your defenses or objections to the claims set forth against you. You are warned that if you fall to do so, the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed or any other claim or relief requested by the Plaintiff. You may lose money or property rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORHATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE HAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT HAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. NOTICIA Le hah demandado a used en la corte. Si used quarere defensas de esas demandas expuestas en las paglnas, slgulentes, used tlene vlente (20) dias de plazo al partlr de la fecha de lademanda y la notlflatlon. Used debe presentar una aparlencla escrlta o en persona o pot abogado y archivar en la corte en forma escrita sus defensas o sus objeciones a last demandas em corta de su persona. Sea avlsado que si used no se deflenda, la corte tomara medldas y psedldo entrar una orden contra used sin prevlo aviso o notlflcaclon y pot cualquier queja o alivlo que es pedldo en la peticion de demanda. Used puede perder dinero o sus propledades o otros derechos importantes para used. LLEVE ESTA DEHANDA A UN ABODOAGO IMHEDIATANENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFFICIENTE DE PAGAR TAL SERVICIO VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASSITANCIA LEGAL. Lawyer Referral Service Cumberland County Bar Assn. 32 S. Bedford St. Carlisle 800-990-9108 PA 17013 CVRNOT/PACCP W&A FILE NO. 11475~205 5078, IN. THE COURT OF COM210N PLEAS OF CUHBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS. ROBERT L VOGELSONG JR 1111NANROC DR MECHANICSBURG PA 17055-4454 Defendant(s) COMPLAINT NO. CIVIL ACTION - LAW Now comes the Plaintiff, MBNA AMERICA BANK, N.A. , by and through its attorneys, and the law firm of Wolpoff & Abramson, L.L.P., and files this Complaint and in support avers as follows: Plaintiff, MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 is a business entity doing business within the Commonwealth of Pennsylvania and the other states of the United States. 2. Defendant, ROBERT L VOGELSONG JR , is an adult individual with a last known address of 1111NANROC DR MECHANICSBURG PA 17055-4454 COUNTY OF CUMBERLAND 3. It is averred that Defendant(s) was/were issued an open end credit card account. The Terms and Conditions governing this account is attached hereto, incorporated herein and marked as Exhibit "A". 4. At ali relevant times material hereto, Defendant(s) has/have used said charge card for the purchase of products, goods and/or for obtaining services. SOARB1/PACCP W&A FILE NO. 114756205 5082 5. Plaintiff provided Defendant(s) with copies o~ the Statements of Account showing all debits and credits for transactions on the aforementioned credit card account to which there was no bona fide objection by Defendant(s). 6. Pursuant to the Agreement concerning this account, the parties agreed that this matter be referred to Arbitration in the event of any claim and/or dispute if the aceount is referred for collection. See Exhibit "A" as previously identified and incorporated herein. 7. This matt:er was referred to Arbitration for determination and disposition, whereby an Arbitration Award was entered against the Defendant(s) and in favor of the Plaintiff for the outstanding balance due. A true and correct copy of the Arbitration Award is ~ttached hereto, incorporated herein and marked as Exhibit "B". 8. As of the date of this Complaint, the remaining balance due, owing and unpaid on Defendant's credit card account, as a result of charges made by said Defendant(s) and/or any authorized users is the sum of $ 24156.83 9. Despite reasonable and repeated demands for payment, Defendant(s) has/have failed, refused and continue(s) to refuse to pay ail sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 10. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, MBNA ~MMERICA BANK, N.A. , respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant(s), ROBERT L VOGELSONG JR , in the amount of $ 24156.83 plus costs of this action and such other relief as the Court deems proper and just. Respectfully submitted, Bruce H. Cherkls #18837 Philip C. Warholic #86341 WOLPOFF & ~R~24SON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff W&A FILE NO. 114756205 SOARB2/PACCP 59174 ATTORNEY VERIFICATION I hereby state that I am the attorney for the Plaintiff, who is located outside of this jurisdiction and in order to file the within document in an expedient and timely manner, am authorized to take this verification on behalf of said Plaintiff in this action and verify that the statements made in the foregoing Complaint are true and correct to the best of my 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: Bruce H. Cherkls #18837 Philip C. Warholic #86341 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street 'York, PA 17403 (717) 846-1252 Counsel for Plaintiff PAVERF/PACCP W&A FILE NO. 114756205 59173 EXHIBIT "A" . Cred![:Card:Agreeme~iL'. Additional ~re'~S ;and Conditions Credit Re~ng ~en~...~,:; . ~....4 How to 0se Your Account...,...:,:2.....~ ....... _ .. ,; .. ::f . Pa~ents on Your Account ...................... · We May Amend This.Agreement ............. 8 AG Your Contract Witfi Us Your Credit Card Agreement with us consists of these Additional Terms ~,nd conditions and the dacumem ca)led the ~equited Federa~ Disclosules o~ the ~nRi~ Disclosure. You agree to ~he terms and conditions al this ~ee~nt. For ~he pupate of the pffvac~ N0ti~. ~e ~i)l use the daf)hi(ia contained in the third p~mgmph al the PHvac~ Nali~. Fo~ the remaindef of the ~mement, we wil~ use the definitions P~aC~ Not~e ·our p~v~ is impo~t ia us: At ~BNA, we are comml~ed 1o providing you with the finest financial product and se~ices ba~ed b~ consistently se~ice. ~nd while )nfo~etion ~ut you is to out ~bili~ to do this, we fully recognize the im~an of keepi~ ~rsonal and ac~unt info.arian To offer you the widest range of p~odu~s ~nd service MBNA may share information ~bout you both within M~NA ~nd outside o~ MBNA with other companies. This allows us to offer you pmduc:s ~nd se~)ces m~y interest you and best meet your needs, whether they ~re available directly hum M~NA o~ through our relationships with other com~nie~. We w~nt you to understand our information ~(eguards, what ~ colle~, what info~tion~e sh~m, ~nd the ~nefits you t~eive ~hen me share ~nlo~tion about you. This noti~e describes the privacy practices of Co~oretion ~nd all MBNA ~ffili~tes. includin~ Americ~ Bank. N.~, M~N~ America (Delaware), Palladian Travel Se~ices, Inc.. MBNA H~llm~rk Information Se~lces, Inc. MBNA Marketing Systems, inc., and MBNA lngur~nce Agent, Inc. (Col)ecti~)y, 'MBNA~), for financial produQs and se~ices ~overne~ by the I~ws o~ the United St~tes o) America. notice explains MBNA's inIo~motion collection sharing practices and lets ~ou choose whether or not MBNA may sham ceftin information a~ut you, eith within MBNA or outside ut MBNA with other Our Secud~ Procedures: MBNA on6e~stan6s the Impo~nce of p~otecting ~nd ~ecuring information using it ~pp)opriatel7. Access to info~mafion about is testrict~ m the people of M~NA who 1aquila it to provide product ut se~ices to you, We m~intain physic, elearonic, ~nd procedural safeguards that comply wit federal standards for the securlt7 of in[grmation. When MBNA shares information aborn you with companies outside of MBN~ ~e requite them to impose safeguards, use i1 only ~o~ a permitted purpos ond to return it to us or destroy ibon~ that pu~ose se~. We limit the ~mount of.intormation shared tc wh~t is appropriate to offer a produa or semice clan(Iv. MBNA requites ~n~ com~n~ 5eceivlng inlor- motion [tom MBNA to sign a Confidentialib' Agreeme containing these requirements and obligating that company to protect the information as we woul& information We Collect: ME~NA collects and uses nonpublic personal information about you to condu our business and to consistently delNer the top-qua Customer service you expect from us. Sources of th information include the roi)owing: · Information we receive from you on applications and other forms or through your correspondence or ~-mS0T~'It~0~nic~ti~n'with-~s-in~)udin0'through the mail. by telephone, or over the interne(; · Into(ma(ion we receive )rom third pa~ies, such consumer repo~in~ agencies, to vefi~ st~tement~ you've made ~o us, or regarding ~ou~ employment, credit, or other relationships; and · In(urination about you~ t~ansa~ions with MBNA with other companies outside of MBNA. In(o~a~on ~e Share ~)n ~BN~ ~e may shat~ of the information we colle~ a~ut yo~ with financial ice companies within MBNA to offe~ addition) pr~u~ sam(cea that m~y interest you and b~ meet ~our We ~lie~ this is convenient ~o~ you and may save ~u both time and mon~. To do so, we share identification info.at)on (such as name ~nd adding), transition ex~rien~ infarction (such as purchases and credit e~i~ibiliw information (such ~s credit mpo~s anc applications). ~nd other info.arian. The d~ision to may tell us not to share credit e)i~ib))i~ information you w(~h/~ ~ BNA. but please u ndemt~nd thi~ does nos prohibit us from offering you additional p~odu~s and identification. ~nd other information within MBNA. Infotmailo. We ~hare With Othem: From time time. we may allow companies outside of M~NA to c These produ~s end se~ices ma~ be offered by finam se~ice providem (such es ban~. I~n brokers, eccou mo~gage bankem, and securities b~oker-deaiem), by financial ~m~nies (such as retailers, direQ ma~ete~ lines, car rental a~enci~, hotels, airlines, poblishe~ and organizations endorsing MBNA financial pt~u~ or semi.si, and others (such as nonprofit Subie~ to applicable law, we may sham all the info~ (Jun we collem with the~e com~nies-outsid~ of unless 7au tell us not to. Additionally, we may sh~e all the information collect with companies that p~rJor~ merketin~ or c se~ices on ou~ beheJ[ at to oth~ financial )nstJtuti with which we have ioint m~rketin[ e~reements. er~ ~Jso permitted by Jaw to share inJormation For instance, we may sham all oJ the information cofiect with companies assistih[ us in' se~icin~ loan or 8%c~.gpt. with com~nJ~s that endorse our products and-.~ices through ~ffini~ agreements reguJatou requirements, and with consumer reporting agendes, if you tell us not to share informa(ion with companies outside of MBN~ that wish to offer you their produas and semites, as described above, please understand that we *ill continue to share information in these additional circumstances. "dedicated to sewin~ ~ou~ needs - and to respe~int 'your choices related to prlva~, You may tell us not to sham credit eJf~ibili~ information ~Jlhin MBNA, and you may tell us not to share information with companies outside o~ M8NA that wish lo ofle~ ~ou thei~ produas and semites as described above, if ~ou wish to opt out of such information sharin& p~e~se call toH-~ree 1-866-79 l-1255, We will ask ~ou to veti~ your identi~ ~nd {he specific accounts to whkh the opt out so please have ah ~our account. ~embershJp, o~ ~e~e[ence numbers add you~ Social ~cu[]ty numbe[ Taxpa~e[ Identification number {or deposit accounts ~va~[~b~e ~hen ~ou ~BNA applies opt outs at the ~cc6ufit ]eve~. not Jnd[vidu~[ Customs[, ~hen an~ ~rson. listed with.others on an account opts out '([o~ example, a co-applicant, joint account hoJdel, or 8uthofiz~ use0, we wJ]J JJSt the entire account as havJn~ opted.out, ~BNAwiJJ continue even JJ Jt beco~s inactNe oL i~: dosed, as descried a~ve. eithe~ within ~BNA and/or with of )n[o~ation sharing. Please remem~t when you opted out [~om either or ~th ~s d information sharin~ (~nd not [evoked iD wilting) does not need 1o be opted notices [~om MBNA about the privacy, security, and plote~Jon of information. For additional information te~[din~ MBNKS'ptiv~ Dm~i~es concemin~ the privacy notice, please ~o to w~.mbn~,cqm and dick on *Privaq Notice," 7ou ~ay have other ~tivacy pro- tedions under state laws. We may amend this priva~ notice at ~W t~me, and ~e will ~nfo~m you of chan~es as required by Words Used O~e. ;. This Agreement this account, when used in the sections ~ntitied. We M0.ito~ ~fld Record( Tckph0,¢ Cal~. and A~RraUo, ~n~ biti~m~ ~nd when used in each of the se~ions relating to pa~me this ~ccount (Your PrDm~ lo Pay. ~nd H0~ ~ Alb~l~ Your Payment. [or example), "We,~ ;us.'.'our" and "MBNA Ameri~~ mean MBNA Amedca B~nk. an~ other person with authorization for us~ on this pursuant to this ~reement, If we use ~ c~pJt~lJzed term in th[s document but ~e d define the term in this document, the term has the ~iven i~ the Required Federal Disclosures o~ ~he ~e use se~ion he,dings ~such ~. ~or~ U~ O~ i~ ~r~menl) t~ 6t~n)ze th)s ~reemem. ~e ~ua) terms Si9. Your Card Yop should sien your c~rd before you use We May Monl~r a~ Re.rd Tekpfio.~ Credfl ~epo~l.9 Agendas How to Use Your Account Transaction Da~ for ~in ~h Translers done by ch~k is the date you ~(~he ~rson to whom the check is m~de p~ble first deposits or c~shes Purposes for Usi.~ Your Account Persons Us{ng Your Accoun! to obtain ¢~edit o~ ~o~ account, you may be liable Io~ all which you may not have in~ended to ~ liable, e~en i{ th~ ~mount ol th~ ~tans~oions ~uses your credit limit to ~ ~xc~d~, ~ccoum holder. · , How You Ma~ Stop Payment ~ on an Access Chec~ ~y~ ex~l~ as the7 appear on the ~ess che~. Oral and · - (oI ~tx months [~m the day that we place the stop payment, You Ma~ Not Pos~a~ an Access Chec~ Your Promise to Pa~ Paymen~ on Your Accoun~ When Your Papment Will Be Credited ~ Your Account W~ c~edit ~yme~ts a~ o{ the d~te mteive~. ~Ihe p~yment is: { 1 ) ~eceived by 2 p,m. (E~stem Time); (2) mceiv~ at the ~ddmss shown in the uppe~ lea-hand c~rne~ of the tront of m~y ~ delayed up to i)ve days. H~ We All0c~(e Your P~men~ lincluding new transactions) with lower APRs be~re with higher APRs, This will result i~ new balahces with a lower APR le.s., those with promotional APR offers) being paid before any other existing Promise to Pay Applies ~ All Person~ ~ .All person~,who initiall~ or s~bsequentl~ request, accept, respon~ib[e ior a~y total outstandin~ balance. ~e may ~o release from liabiii~ any ~tson who is respohsible to any total outstandin~ balance, until eli o( the cards, acces~ checks, and other c~edit devices outst~hdinl ufidefthe Default You will ~ in default of this ~reement if: { 1 ) you fail to ~ke g~y ?equJr~ Tota) Minimum Pa~eht Due by its Payee) credit limit: or (~) you fail to abide b~ any othe[ term of this ~Teement. Solely (o~ the pu~ses o{det~rmi~in~ ~nd p~emium pa~ent obligations Io~ the optional credit insu once purch~s~ through MBNA. you will ~ deemed, n de eut or delinquent if 7ou gall to make a ~yment ~lthln 90 ~a~ of When W~ May Require Immedia~ PaFme~ ~ther Payment Terms . not use ~ postdated che~to m~ke ~ payment, )~ you do ~ payment. We will noti~ you when this ~ption is ava((ebie. Payment Due each month (oltowing a payment holiday. Transactions Made in Foreign ~?o~ w~)) be conv~ed by V sa ~temat on~l or MasterCar~, Internationa~,. de~di~ o~ ~hich c~rd you use, into a U.. Bi[lln9 Cycle Account Fees h~d Char~es as purchases i~ '~he bil~inl~ ojc e n which the ee~ acc~ Re~al to Honor Your Accp~nt ~e a~e not ~iabl~ J~:~ re[usa to hono~ you~ ~ccount. any retention of your card by us, any other b~nk. or. any We Ma~ Suspend or Close Your Accoun; You Ma~ Close Your A~count Transactions ~er Your Account Is Clo~ We May Amend This Agreement We May Sell Your Account Your Credit Limit " What We May Do if You Attempt to Exceed Your Credit Limit The total outstanding balance on your~ccount plus credit limit, we may: ( ! ] permit the transaction ',vithout raising Check Cash Advance or Balance Transfer that credit has been refused, that there are insu[[icient [unds to pay the Cbe~ we ~y charge an OVeflimit Fee as pro~ded in this ~reement. Un~uthoHze~ Use of Your Card Please notl~ us immediately el the loss, the~, or possible You Must Noti~ Us Change Your Address The ~st of[ice a~ others may noti~ us of a change t~ your address. When you change you~ address, you must noti~ us What ~w laws principles) end by The Pro~islons el This Agreement ar~ Our Rights Co.tinue ArbRration and Litigation statute, in conuatC'~6~, or othe~i[~ and whether [or money Claims regarding the applicability of this Arbitration'and LitigatiOn Section or the validity o[ the entire A~reement or any prior Agreement, shall be {esolved by binding arbittatic The arbitration shall be conducted by th~ National Arbit~ati Forum I"NAF'), under the Code el Procedure in e/feet at the the Claim is file~. Rules and forms or,be National Arbitration Forum may be obtained and Claims may be filed at any Natk~ __Atbilt~tjp. q_Eo_rg _m_offi~:.e_..wwv arb-forum:com, or P.O. Box 50H Minneapolis. Minnesota 55405. teiephon~ T~55i~74~'~'/~. stitute another nationally ~ecognized. independent arbitrati written request, we will advance any arbitration filing decide who will be ultimately responsible for paying those Claim had been resolved in a state court with iuriediction. Any arbitration hearing at which you appear wil! take!01ace within the federal [udidal digtrict that includes your billin~ address at the time the Claim is filed. This a~bitration agr~ commerce and shall be governed by the Federal Arbitratio! Act. 9 U.$.C. ~ I- 16 ("FAA'I. Judgment upon any arbifr~ti¢ sale of the debt by us. all o[ them. Additionally. 'we' et "~s' shall mean any thin THE RESUhT~OF THIS ARBitRATION AGREEMENT IS EXCEPT AS Pg~,¥1pED ~BOVE.'CLAIM$ CANNOT BE LiT IHAV~' BEEN TRIED BEFOR£ A IURY, AS CLASS ACTIONS:OR !CREDIT 'INSURANCE BENEFITS,. iL]M]TATIONS, COSTS & EXCLUSIONS iCONSUMER PROTECTION.DI~.CLOSUR~r~S · : · ~LI N S URED-~_N O~] N S U R £D_ ~Y.,~ FFD~F-_R~_ _G,O_ .V~_ _RI~ F_N~ Family leave benefits are not paid if you are eligible for or receiving unemployment benefits or ate disabled. This is only a brief,description oi coverage, and coverages vary by state. Please refer to your ce~iticates for a full CostS De! SIO0 Der Month DJ Averaee Dally ~alan~e: ' Costs app[y to Lite [L). Disability Famil. y Leave F~ AL 54.5C; AK 7Sc; &9.9c: CO 50.~c: CT 42,89c; DE 99.9c; DC · ' 90.8c: HI 89.9[c: ID 99.5c (L ~:~c. D &5.4TC: KY 97.4c: ~ 99~93c; ME 53,0~C:'MD 79.74c: MA ~5.7C: MI 85.7C; MN 3J.47C; MS g2.5C MO 95.Bc; NY gg.87c; NH g~C; N] 97c; NM 58.g¢; NY 52.5C (L B.B¢. D 26.E¢. U 16.9c]; NC 71.~C; ND 94.g7¢; OH 9g.9¢; OK g7.47~; OR 80,8c; PA 38,1c; PR 99c; RI 99,B¢; ~C 7B.8C; SD 99,9C; TN 92.5C; TX 33.TC [L 4.8C. D 12,9c. U I~); UT 90.44c; ~ 34.92~ {L 6.~c, D 12.24~. F 16C); VA 84C (L 6.1C. D 8.9¢. U ~9C. F 20c); WA 89.39C: ~ 99.5C; W193.~ 20¢) & ~ 99.Tc. MA ot ~. F~miJy Leave is not available MN. NM. NY. PA, o~ ~. Unde~rllin~ Compa~le~oli~: )nvolunta~ Unemptoyment: American 5ecufi~Ot[5/85), Lei NY[3~3). Lite G bisabili~: Union Securi~ LiJ~L-l-Z. L-S-G Rh SD, ~,WA, ~ & ~; Standard Gu~ran~ Lite (TX only)/ L-I-Z(~2)I~,53~). First Fo~is Lile Security/FLP (4~). FLP-FL(I~7) in ~. FLP-NC (~/98) in NC. FLP-OK[4~7) in OK. FLP-YA(2~8) this offer. age pays 5% of the balance on you~ date of disabllity up to MO. NM. NC. NY, PA, SC &~: 12 ~or disabili~ in FL. KY, ~, MO. MT, NE. NH, NM, NC, OR, SC. UT & VA. t2 EXHIBIT "B" NATIONAL ARBITRATION FORUM ® MBNA America Bank, N.A. c/o Wolpoff& Abramson, L.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Bird, Two lrvington Centre Rockville, MD 20850-5775 CLAIMANT(s), AWARD RE: MBNA America Bank, N.A. v Robert L Vogelsong File Number: FA0312000219246 Claimant File Number: 549099901733571 Robert L Vogelsong 11 I I Nanroc Dr MECHANICSBURG, PA 170554454 RESPONDENT(s), The undersigned Arbitrator in this case FINDS: I, That no known conflict of interest exists. 2. That on or before 12/I 1/2003 the Parties entered into an agreement providing that this matter shall be resolved through binding arbitration in accordance with the Fornm 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. '['hat the melter has proceeded in accord with the applicable Forum Code of Procedure. 5. The Parties have had the opportunity to present all evidence and inlbrmation to the Arbitrator, 6, That the Arbitrator has reviewed all evidence and information submitted in this case. 7. ThattheinformationandevidencesubmittedsupportstheissuanceofanAwardasstated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of $24,156.83. Entered in the State of Pennsylvania Hoilo~lfl: Jack M. Marden Arbil~afor Date: 05/25/2004 ACKNOWLEDGEMENT AND CERTIFICATE OF SERVICE This Award was duly entered and the Forum hereby certifies that a copy ofthis Award was sent by first class mail postage prepaid to the parties at the above referenced addresses on lhis date. Honorable Harold Kallan, Ret. Director of Arbitration 05/25/2004 SHERIFF'S RETURN - CASE NO: 2004-03882 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS VOGELSONG ROBERT L JR REGULAR DAVID MCKINNEY , Cumberland County, Pennsylvania, says, the within COMPLAINT & NOTICE VOGELSONG ROBERT L JR DEFENDANT , at 1840:00 HOURS, at 1111 NANROC DRIVE MECHANICSBURG, PA 17055 ROBERT L VOGELSONG JR 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 30th day of August by handing to the , 2004 together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing 18.00 Service 8.88 Affidavit .00 Surcharge 10.00 .00 36.88 Sworn and Subscribed to before me this ~ day of So Answers: R. Thomas Kline 09/01/2004 WOLPOFF & ABR3~SON eT y×s e 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 NO. 043882CIVIL Plaintiff ROBERT L VOGELSONG JR Defendant (s) : PRAECIPE FOR JUDGMENT Mr./Ms. Clerk: Please enter Judgment in favor of Plaintiff and against Defendant(s), ROBERT L VOGELSONG JR and , for want of ANSWER TO COMPLAINT. ( X ) Amount due $ 24156.83 Interest $ Attorney's Commission $ Filing costs TOTAL $ 24156.83 , plus interest and costs ( 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 praecipe and a copy of DATE: PRAECJ/PANOJ least ten days prior to J~he date of the filing of this the notice is attach~d~// ~~ Daniel r. ~ol~son L/#20617 Bruce H. Cherkis #18837 Philip C. Warholic #86341 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff , JUDGMEN~ IS ENTERED AS A~OVE./Q Prothonotary/Clerk, --Civil~ islo W&A FILE NO. 114756205 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNAAMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 No. 043882CIVIL Plaintiff : vs. : ROBERT L VOGELSONG JR : Defendant (s) CIVIL ACTION - LAW AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA : : COUNTY OF : 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, ROBERT L VOGELSONG JR , above-named, is over 21 years of age; is last known to reside at 1111NANROC DR MECHANICSBURG PA 17055-4454 COMMONWEALTH OF PENNSYLVANIA Notarial Seal Tara A. Smith, Notary Public City of York, York County My Commission Expires July 23, 2007 Member, Pennsylvania Association of Notaries County of York, Pennsylvania; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Servicemembers Civil Relief Act and its Amendments. Daniel r. W~fson #20617 Bruce H. Cherkis #18837 Philip C. Warhollc #86341 WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff SWORN and SUBSCRIBED to before me this Notary Public PNMAFF/PANOJ W&A FILE NO. 114756205 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNAANERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff vs. ROBERT L ,VOGELSONG JR Defendant No. 043882CIVIL CIVIL ACTION - LAW CERTIFICATE OF RESIDENCE PA. R.C.P. 236 I, hereby certify that the precise residence of Plaintiff is: MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAlL STOP 1411 WILMINGTON DE 19884-1411 and certify that the last known address of the within Defendant(s) is: ROBERT L VOGELSONG JR 1111NANROC DR MECHANICSBURG PA 17055-4454 Amy F. Doyle~/ C-~87062 Daniel F. W~l~son #20617 Bruce H. Che~ikis #18837 Philip C. Warholic #86341 W0LPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection 267 East Market Street York, PA 17403 (717) 846-1252 Counsel for Plaintiff PCRES/PANOJ W&A FILE NO. 114756205 102 KING FARM BLVD., ROCKVILLE, MD 20850 BRANCH OFFICI[S 10805 JUDICIAL DR., BLDG, A-5, FAIRFAX, VA 22030 1108 E. MAIN ST.. STE. 1003. RICHMOND. VA 23218 5122 GREENWICH RD., VIRGINIA BEACH, VA 23482 919 N. MARKET ST., STE, 1300. W{LMiNGTON, DE !gsgg 1954 GREENSPRING DR., STE. 400, TIMONIUM, MO 21093 1 VALLEY BANK BLDG. BOX 1226, CLARKSBURG, WV 26302 2625 TOWNSGATE RD #330. WESTLAKE VILLAGE, CA 91381 267 E. MARKET ST., YORK, PA 17403 NATIONAL COLLECTION ATTORNEY NETWORK AFFILIATED FIRM LOCATIONS [NOT BRANCH OFFICES OF WOLPOFF & ABRAMSON, gL.P.] * BIRMINGHAM. ALABAMA ENGLEWOOD, COLORADO ANCHORAGE, ALASKA FT. LAUDERDALE, FLORIDA PHOENIX, ARIZONA NORCROSS. GEORGIA CABOT, ARKANSAS HONOLULU, HAWAII 114756205 LAW OFFICES WOLPOFF & AIIRAMSON, LL.P. Attorneys in the Practice of Debt Collection (A National Collection Afforney Network Firm) 267 EAST MARKET STREET FIRST FLOOR YORK, PA 17403-2000 717-848-6203 OUTSIDE YORK METROPOLITAN AREA (TOLL FREE) 1-800-758-0675 FACSIMILE (717) 848-1146 PLEASE DIRECT ALL iNQUIRIES TO YORK OFFICE SEPTEMBER 20, 2004 ROBERT L VOGELSONG JR NATIONAL COLLECTION ATTORNEY NETWORK AFFILIATED FiRM LOCATIONS [NOT BRANCH OFFICES OF WOLPOFF & ABRAMSON, L.L.P.] * BOISE, IDAHO M ERRILLViLLE, INDIANA CHICAGO, ILLINOIS KANSAS CITY, KANSAS LEX{NGTON, KENTUCKY METAiRIE, LOUISIANA NEEDHAM, MASSACHUSETTS SOUTHFIELD, MICHIGAN MINNEAPOLIS, MINNESOTA ST. LOUIS, MISSOURI GREAT FALLS. MONTANA OMAHA. NEBRASKA LAS VEGAS, NEVADA MANCHESTER, NEW HAMPSHIRE CEDAR KNOLLS. NEW JERSEY SYOSSET, NEW YORK RALEIGH, NORTH CAROUNA FARGO, NORTH DAKOTA CLEVELAND, OHIO OKLAHOMA CITY, OKLAHOMA EUGENE, OREGON PROVIDENCE. RHODE ISLAND COLUMI~IA, SOUTH CAROLINA KNOXVILLE, TENNESSEE HOUSTON, T~ SANDY, UTAH MILWAUKEE, WISCONSIN RAWLJNS, VVYDMING Atim..®¥ Ntt~a3~k il In affiliation of ~eperate law firm,,,. W,~. Hours of Operatio,: 8 a.m. - 11 p.m.E.S.T. M-F 1111 NANROC DR MECHANICSBURG PA 17055-4454 Re: MBNA/MASTERCARD vs. ROBERT L VOGELSONG JR Docket No, 043882CIVIL I W&AFile No. 114756205 COPY Dear ROBERT L VOGELSONG JR Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, WOLP,~ & ABRAMSON, L.L.P, Amy"F. Doyle, Esquire Enclosure This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose, F10D/PANOTC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNAAMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff vs. ROBERT L VOGELSONG JR Defendant (s) TO: ROBERT L VOGELSONG JR 1111NANROC DR MECHANICSBURG PA 17055-4454 NO. 043882CIVIL DATE OF NOTICE: 09/20/04 IMPORTANT NOTICE YOU AltE 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 T~diE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT A~FORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. Lawyer Referral Service Cumberland County Bar Assn. 32 S. Bedford St. Carlisle 800-990-9108 PA 17013 By: WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection Amy F. Do~e, ~squire '4 267 East ~arket Street ~ York, Penmsylvania 17403-2000 Telephone: (717) 846-1252 I.D. #87062 Counsel for Plaintiff IMPNOT/PANOTC W&A FILE NO. 114756205