HomeMy WebLinkAbout05-1966
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY , PENNSYLVANIA
MBNA AMERICA BANK, N.A.,
Plaintiff
NO. 0~ -/91..1:.
j'----
w',L l~
vs.
STEPHEN D HALDERMAN,
Defendant
PLAINTIFF'S PETITION TO CONFIRM
ARBITRATION AWARD PURSUANT TO 42 Pa.C.S.A. 117313
AND NOW, TO WIT, this -.:JL day of /Y) l1/fe;/
,2005, comes t e Plaintiff,
MBNA America Bank, N.A., by and through its attorneys and the law firm of Wol off &
Abramson, LLP, and files the following Petition to Confirm Arbitration Award, a in support
avers as follows:
1. PlaintiffJPetitioner, MBNA America Bank, N.A., is a Delaware cor oration
doing business within the Commonwealth of Pennsylvania, and the other states of he United
States, with its principal place of business situated at P.O. Box 15718, Wilmingto , Delaware
19850.
2. Defendant/Respondent, STEPHEN D HALDERMAN, is an adult i dividual
with a last known address of 7073 Carlisle Pike Trlr 145, Carlisle, CUMBER
D County, PA
17013.
3. That pursuant to the credit card agreement, which Defendant/Resp ndent
received when PlaintiffJPetitioner issued Defendant/Respondent an open end cre t card account,
the parties agreed that this matter be referred to the National Arbitration Forum ( AF) for
Arbitration in the event of any claim and/or dispute if the account is referred to c llection, A
true and correct copy of said Credit Card Agreement Additional Terms and Condit ons is
attached hereto, incorporated herein and marked as
Exhibit "A".
4. That Defendant/Respondent subsequently defaulted on the terms of the
aforementioned credit card agreement by failing to pay Plaintiff/Petitioner as requ ed pursuant
to the terms of said credit card agreement.
5. That Plaintiff/Petitioner subsequently referred this matter to the N for
Arbitration, and the PlaintifffPetitioner then forwarded to Defendant/Respondent
Arbitration and Arbitration Claim form, and said documents explained Defendan espondent's
rights and options pursuant to the Arbitration process. A true and correct copy of
Arbitration and Arbitration Claim form are attached hereto, incorporated herein a d marked as
Exhibit "C",
6. That said Notice of Arbitration and Arbitration Claim form were r ceived by
Defendant/Respondent on or about October 19,2004. A true and correct copy of the proof of
service is attached hereto, incorporated herein and marked as Exhibit "D".
7. That an Arbitration occurred in this matter on December 13, 2004
and both parties were provided with full opportunity in which to present any evi nce and their
position in regards to this matter at said Arbitration.
8. That an Arbitration Award was entered on December 13, 2004, in
favor of PlaintifffPetitioner and against Defendant/ Respondent in the amount of wenty Three
Thousand One Hundred Twenty Three and 99/100 ($23,123.99) Dollars. A true nd correct
copy of the Arbitration A ward is attached hereto, incorporated herein and marke as Exhibit "E".
9. That the Arbitrator in this matter certified the following in issuin the
Arbitration Award in this matter: that the parties entered into an agreement provid g
that this matter shall be resolved in accordance with the National Arbitration Foru
Code of Procedure; that Plaintiff filed a claim with the Forum and served it upon
Defendant; that the parties had the opportunity to present all evidence and informa ion
to the Arbitrator; that the Arbitrator reviewed all evidence and information submit ed;
and that the information and evidence submitted supported the issuance of an Aw din
favor of Plaintiff.
10. That the aforementioned credit card agreement clearly states that
judgment upon any arbitration award may be entered in any Court having jurisdic ion.
11. That Plaintiff/Petitioner has filed the within Petition, pursuant to t e Uniform
Arbitration Act, in an attempt to obtain judgment against Defendant/Respondent a forum
which is better suited to secure a collectible judgment against Defendant/ Respon ent, as the
aforementioned Arbitration Award is non-binding and unenforceable outside the cope of the
Court of Common Pleas.
12. That Plaintiff/Petitioner is entitled to the relief requested in the w' hin
Petition due to the fact that the aforementioned Arbitration Award was properly btained by
Plaintiff/Petitioner; because this Honorable Court has jurisdiction over the
Defendant/Respondent to confirm the aforementioned Arbitration Award; and b cause
DefendantlRespondent did not make an application, pursuant to 42 Pa.C.S.A. S 14, within
thirty (30) days of receipt of the aforementioned Arbitration Award, with the C rt to have said
Arbitration Award vacated, modified and/or corrected.
WHEREFORE, PlaintifflPetitioner respectfully requests that this Honorable Court onfirm the
Plaintiff's Arbitration A ward, pursuant to 42 Pa.C.S.A. 97313, and enter judgment in favor of
Plaintiff and against Defendant in the amount of Twenty Three Thousand One Hu
Three and 99/100 ($23,123.99) Dollars.
Respectfully submitted,
/I
'f)/;
/'/1;10
lijlJ/
Amy F. D e, Esqui
1D No.8 062
Philip C. Warhol ie, Esquire
ID No. 86341
Daniel F. Wolfson, Esquire
ID No. 20617
Wolpoff & Abramson, LLP
Attorneys in the Practice of Debt Co ection
267 East Market Street
York, PA 17403
(717) 846-1252
Counsel for Plaintiff
VERIFICATION
The undersigned, hereby states that she is the attorney for the Plaintiff, M NA America
Bank, N .A., who is located outside of this jurisdiction and in order to file the with n document in
an expedient and timely manner, he/she is authorized to take this verification on b half of said
PlaintiffJPetitioner in the within action and verifies that the statements made in th foregoing
Petition are true and correct to the best of his/her knowledge, information, and be . ef, based upon
information provided by the Plaintiff.
The undersigned understands that false statements herein are made subjec to the
penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorit' s.
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/~.'.1/11 j jI1 ;
Ij'<~ (/ L/i/ 1 J~~
Amy . Doy ,
ID No. 8706
Philip C. Warholic, Esquire
ID No. 86341
Daniel F. Wolfson, Esquire
ID No. 20617
Wolpoff & Abramson, LLP
Attorneys in the Practice of Debt C llection
267 East Market Street
York, PA 17403
(717) 846-1252
Counsel for Plaintiff
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.YalLl' C<mtraat Witfl Us
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Ypur Cr;dlc Card Aira5'l':1;o!1t wlen us .:~nsr:Cs o( ,Ii =:::1
I:d~ltiQli;{ Terms, ;nd Condl:lons sild th; ~cc'JrMiH aUSld
fn~l~eClulred ;:'~c;r=l Disclosure.; or t,1e inWsl CI~:I''''':!l~=
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_ Q~'a~ree to tnS t!!nTIS a~ cQnal:1Qn~ af this Jl.~ra-:m;nt.
rc~the pu~o!e ct the ?n"lI:Y Naif:.!. w!.wlil us. Ihe denni,jom
co~ained in the thIrd paragraph or the Pliv\l:~ N:1i:!. For
tho remainder 01 tha ~..reement, we '1111I ue. the deilnlllcn!
demibed under the lealon headln. Wardl V!!d O~ln i~
'1'h~.Aell/monl. .
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" Frivacy Notice.
Your privaCj' Is Imp'ortanl to us: At MBNA, we are
committed to providln. you with the fine5tilnancla I
products and sel'llces backed by consistently top.q lJalit,
servic:a. And whUe information about yOU Islundamentai
to our ability to deahls, we MIl' re<:c<<nl%ethe Importanc!
of keeplnl! personal and ao:ount Informat!on Siecura:
To offer you the widest range 01 produc:tl and services,
M13NA-may share Information aboul you both within
M13NA and outside of MBNA wIth <:Ither companies.
This allows us to offer you preducts and services that
may Interest you and cesl meet your needs, whether
they are avallable directly from,MENA orlhrough our
relationships with other companies. We want yo u 10
understand our information safeguards, what lnformallor
We collect, what lnlormation we share, and the benefits
you re~lve when we share Infcrmatlon. acou~loU.
This notice' describes the prlvacy practices of MaNA
Corporarlon and all MaNA alllllates, lnl:ludJnl! MaNA
Amer!<:a Sank. N.A., MSNA America IOelaware),N.A..
Falladian Travel SaNlces, Inc.;MBNA Hallmark
lnrormatlon SeJ"/ices, Inc., 'MBNA Marketlni Systems,
'nc" and MaNA Insurance ^iency, InC.lcollectlvely.
'MaNN), fClr financial products and seNlces governed
by rile laws 01 the United States of Arnerlo. This I
notice explains MllNA's Informatlon collection and .
sharing practices and leIS you choose whether or not
MSNA may share certain Information about you, e'lthel.
. within MllNA or outside of MaNA with other companies
OtwSecurlty Procedllres: MBNA understands the
Importance of protealn; and secu.rlng in/ormation
ancl using 11 a?proprlately, Access to Information
about you Is 'restricted to the pe~ple 0/' MllNA whCl
require ilto provide Plocluo:a or services to you. We
malnlain physical. elearcnic, and prClcedwal sa/e~uardl
that comply with lederal standaltlsfor the securItY
o/Information.
When MaNA shares In/ormation abo~t you with
companies outside 01 MllNA, we require them to
impose aafeguards, use It only ror a permIttee:! purpose,
and tCl rl!t1lm ie to'us or destroy it ones tha:.purpQse Is
served,. We limit the amounl olln/ormalion snared to
what is apprcpriate to eller a product or seNice elll-
clenely. MaNA requires any ccmpany receMni Infor.
mallem Irom MaNA 10 sl!lll a CcniideneiaJilY Aireamen
CQntalninl! these requirements and oblleatlnQ that
company to protect the Informaticn as we would.
it.,",: .
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l!,!ormatlon We Coll"~1 M5N.... colleas nd usa,
Mnpubllc person,ll n/ormatlon aboue you t conduct
our business a.nd to ~onSllte1"itll deliver the op-euaiity
Cu~orn=r S~JV1C~ yo \1 e~1=;ct from (,1$, SOlJrc: s or' this
In(onnation Incluce the fellowln.:
· Iniormatlon we receive !rom you en appllc tioils
and other forms or thr01..lin your corresoend nee or
~cmmuni~.tion with us includinG through t' mail.
o~tal~phon~, 010""1 the Internet:
. In/ormation wHeceive Irom third parties, ucn as
consumer repenin€; a.endes, to veriri ,tats ents
you'v. made to us, or regardIng your amplo .n~,
mdlt, or other relationships: and
· InfClrmatlon Icoutycur trans'!ctlons with-, BNA and
With other companies t;:Iutside of MaNA,
Informatlon We: Share Wltl1in MaNA: Wa ay share
.11 of the lniorrnatlon we collect about you wi financIal
serviCe companIes within MENA to offer ad tional
prClductSi or selVic:es tnat m.y Interest you a d best
meet your needa. We beliave this Is conven lit for you
and may save you both time and money. '1'0 de SCl, we
share Identl fimlon Information (such as na e and
address), tranlacticn and 'e~perlence inform tlon (such
as purchases and payments), credit ellgfblllcy formation
lsuoh as credit reports and appllc.tlons). a other
Information. The declelon to purchase any s chpred.
uc:ts or services Is you rs alone. You may tell not to .
share cr.e:!it s!iglbllity information about you iehln , "
MBNA, but piease understand this does not ohlbit us ;..'..-,:,~,
from offerinl! you additional products and se ice5 or
from. sharing transaction and exparlence, ) .;;,~
Identification, and other information withln aNA v,,' .(\'
'I' .:.:,'
In/ormation We S~!lte Wllh Cther.l: Fr m tIme to ' -,.
time. we may allow companies Clutside of M NA tCl offer '1 -.l'i
you their ?ICldlJets and eeNloes that may Int rest you. ,'~,
These produm and services may be offered y financial ,l.f_;,1:,.i
service plcvidels (such as banks. loan broke ,account ~
aggregators, Insurance agents,lnsurance co panies, ' -:ii
mortgage bankers. and seourltles breker.de ersl, by ,\' .~,;
nonfinancial i:empanias {such as rat.lIers. reO: mar- . II. ;:
keters. communications comp.nies.lnterne seNlce r ,~
prClviders. manufacturers. service companle . tr.wel .;j '~(
agents. crlll.a llnes, car rental agencies, ho la, air ine~, 1 :r 4,
?ubliahers. and organiUltlcns endol5in{! M NA flnancla ,,'~ ~
?lOducts or services), ancl others lsuch aSi. nprollt ::~ .;
organi:atlons). Subject to applicable law, e may share ,,~ .:
all the lnformalion we OClllect with lhese c m?anle~ out. .;~!,
eld. or MaNA. unless you tell us not co. ;.~ . ,
Additionally, we may share all the In10 ation we '::r~W
collect with companies that periorm mar etlng.or ?ther;i~~~
servlcee on our beh.lf Clr to other linand \ lnstltutl0ns;.~~r"
with which we have icint milrKeting a&re ents. We :r/ill,
arEl also permieted by lawte share infCl atic," aboU1:',::;j.
YOIl with other companies In certain clrc mstan=e.. ,;!~;i1!
FOllnatance, we may share all cf the Inf rmatlon we .~'.;\f.o
c.ollect with companias asaistini us in s ",icing you'!',,,,';'?;
loan or acceunt, With cem?anles that e deue cur ":,'"
'pred\:l<:ta and ieN't,es throu~h aWlllly a reaments, "';("
wIth Qovernment entitiee in re5~on5e t subpcenas :,..)';
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r;s~iatoi'y req~ireme'1rs,' G~ with ~n$umer r~por:ji1i
aa~nciea. Ii ~eu tel! us not to shars In/ormation witi,
companiss outs/de 0,' MSNA-:n;: wish to oliaryou
their prqduas and services, as dsacilcs<;/ abovs, pima
t.m<;/arstan<;/ that wa wm continua to shsra information
.1n thase ad<;/itlonal circumstancas.
ImllorUnt Infcrmatlcln About Your Choice: We'r,
dedl~tad to serving your neads . and to r,spectlng you r
ohoices related to privacy. You may tell us notto sn.ra
oredit eligibility IniorrnatlQn within MBNA, and you may
tell us not to share Informat!on with oompanles outside.
01 MBNA that wish to oflar you their produas and serv-
Ices as <;/eacrlbed acove. IlyolI WIsh to opt out of su<:h
Information sharing, please calltol1.free 1.800.7; 1.125 5.
We w!ll ask you to verIfy your Identity and the speclfie
acoounta to which the opt out applies. sa please have
ell yoilr aooount. membership, or reference numbers
and your Social SacurltY number or 'l'axpayer
Identification number lor daposlt aocounts avaHable
when 'l'au ~aIl.
MaNA applies ept cuts at the a~ccllnt level, not by
Individual Customer. When any )'lerson I1sted wIth others
on an actount opt! eut (for mmple. a co.appllcant, 100lnt
accounrhelder, craUlhorlted us!!r). we wllIllst the entlre
acoount as navin, optad CUt. MBNA wlll c:entlnueic
adhere te its disolesed privacy proc:tloss for an acco uni
even If it beoomes inactive or Is clos!!d.
An apt cut frem infermatlon sharing on an accouni
as descrlbad above, either witnln MBNA andtcr with
companies otmlde of MaNA, remains effective un l!!ss
revoked In writing. Federal regulatlens require us to
provide this notice en an annual basia, whether or net
an ac~unt has previously opted out frem either type
01 Inicrmatlen sharing. !'Jeasa remember 'linen you
recl!lve our subsequent netIces that an aoceunt previously
opted out Irem either er both ll'P1!S olln[ormatlen sharing.
land net revoked in writlngl dees net need to be opted
out agafn. '..
This nOtl~e updates and replaoes 'anl" previous
"etloes ITem MaNA about tbe privacy. seC1lrity, and
protection ollniormatlon. For addItional Information
regarding MaNA's privacy pral:tlces concerning t)1e
Internet. and to view the mest recent version o[ thIs
prlvsC'} nctloe, plaase ge to wwwmon,; .om and click
on "privaC'} Netios.' You may,have other privacy pre-
~actlensllnder state law.. We may amend rhis prlvacy
nctloe at any time, and we will Inform yeu of =han~es
as required by laVl. ".
Words Used oft2>> In' This Agre'ement .
'Aire~m~nC' or 'Oedlt Card ~rtement' me.ns then
Addlrlonal rerm. and Condl.lons and .h. Re~ui"'d !'ed.,al
Cls~!elure.llor the InItial Clsdasunll and any chantes w.
make to thosa da""ments Iram .Im. .0 time.
"'(ou' and "your" moan ..ch and all .r llIe p""ons ",hClara
eran..d, "ap.. ar use an a~coun, we hold. ."(ou" and "your"
.lio mean any ath.l petson wha has ilu.ranter.! piyment .1
.his ac=unt. wnen used In thl se<:llon! enmled WI MaV M'rtil.lr
an<l i'Ec.rd 1'11.'1"'" C:/Ir and MiI"'l/'" ano Wllga"," and when
used In arch of the sodons relatint ta,payment 01 thl. ac;aun.
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(Y~:Jr ~~nf!Nt, F.czy and H;-:~:l)ll AJ!v.:1:! Yalir F4"if/lIm (Qr a:.;!;ml=ll~l
. "W:,. -us," "CtlT", end "M;NAAm~rla" m~an i 1"1
"marica Sank. NoA. ~, ;.,
.Ca~d~ m=ar'l.s al! 'thi c:.Z'!d!~ =<!~d's we is!!.!; to QU anQ to
sny om:r per!on wIth al,J~hQii::.;iion t; US;! ih{s t'CQunt
pursuant to thl. Agresment.
.A~~ISS'$ ,hs~k~ m-e-!ns art ~C::a:!'S c:neex we pr lid: to yoU r
make a Check ~sh Advane. ""YQUr,~~OU"t.
!r wa,uaea capltal/:sd !aim In tMisdocumem but tic not
dellne. tne term In 1:~115 cotument. theterm hae he 1'\1ean In.
gl.ven In the Required red",,) Oi.clo,ureSlr th Inl~l./
Clsclcsure or as used in your monthly statame .
We use section heacings I,uch a, Warls Ul Ofl,n lit il
Mf"1l<!Iltl tCl or,a nlte this A!reement. The a ual term. c
,lhlS Agte.menla.re In tli.sem.ne" th.t/oll and not
lhe headlnis. .
Si n Your Card
You shoulalsll!n youreardbefor.you use/t.
We Ma Monitor and Realrd Tele ne Calls
You consent to and autnQrll1 MaNA America, y er Its a{if!!
ates, or Its marketlnll alloel.!.s to monitor an or re~ord ar I,.:;"""
or !'Qur telephene QQnv.l$a~ons wlth our rapre matlves or !
the repreSentatives of any ot lhose ;ompani.s. "
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Credit R.e"ortbl A el1des ;';,:
Yov aurhcrias MSNAArnenCll to ccl1eCllnlor, tlon abou: Ii);,,:
you, includIng credit report. from consumer repo Ing aiende .jitWt
If you bellmlwe have furnlshed Inaccurare incomple., li.1"';.!.
Iniorma.ICln IbQut YQU er yeul aocounl to a crl it reportlni 1\lJ :
agency. write Us .., MaNA. Credit ReportinG Ag ncles F.O. .. ~
Sox 170'4. Wilrnlng~on. DE I 9684.70;4. ~Iea' Inolude YClIl '"
name. addr..s. home phone number, and acco nr number.
and explain wha~ YOU beneve Is Inaco~rate or f complete.
How to Use Your Account
You may obtain credit in the (erm 0/ Purcha as and Cash
Advancelllly using yeur eard.. a<:l:.ss cbesks, counl num-
ber. or other credt~ devl,es. Plaase rerer 10 yo 'Required
Feelerat !:Ilsdosures or Initial Clsclosure to dete ine what
transa<:lhrln. constltut. ~ulchaaa. and Cash A anc.s and
hOW Y<:lll may obtain them.
Transaction Date or Certain Cas AtlvanCl
The transaOllen date rar Checil Cash AclI'an as and aalar
Translers done by ~eck Is lne date,yau ar th persen tc
whom the checlt Is made Faya!:le are: de~osl or ashes t~
check. The transaction da~e rar a returned pa ment (whiCh ;~f!;(
will then be olas.med'!lll a Sank cash Advanc lis the data ~"
that the oarrespanc:!!nlllayment po,ted to yo r ac,ount. ~~~~
Purposes for USl'll Your Accau t ~,t;~~
You may use yallr eccaunt .ror petsenal, fa fly. or houaa" ?',1,;\"
.pUlpO!iSS. YQlU may not use your a"eunt rar Ilalness or . ,.,..
.ammerclal pUI"llClSes. You may not usa a eh ,k Cash
Advant:s. or any othar CaS'~ Ad'lan,::, ~a mak a paymen: 0 ~;lj;;,
.hls or any o.her credit a~eoUnt wleh ue, You ,ay nat \lse 0\ .1::'."
jOarmlt y,"ur aC"....um tQ be usad.. make any la;;al.ra".aC:i .'\;:.'
Persons Usln Your Account f:,.
if ~QU ;,rmlt any ~'rSQn ta 1J.S11 ycur cal r ac.c;!! ~Mec j,,'
account number, or other ereQ\~ devl;. wit the authcr\:z.31
'0 obtain cr~d.l\_on yeur a~ount. yo~ may sllable ler a
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lr!r;3'ae:i~rfs'Il~~de by ihai pe'r~cr1, Ine!\Jdini- tranu~~i:m;
for whloh YO'J m,y not h~ve intended to c, lI~cJe, even II
~he amQIJM~ ~r th~se tr!r.sa~lQiu e;u!e.$ your credit lIi'iii~ to
'ce ~:r.c:~c!;d, A1Jthoril'id U;im cf inrS ar:ecul'n may hav; the
!am= a~-:;:s to Inrcrma~rQn aOQil~ ~ha aC~i.lnt al,d it~ t,);!!rs
as th~ aCi:Qunt holders,
How You May Stop Payment 011 an
Access'Cnecli
You may request a SIQ~ p~lment on an ~cce,s ch,ck by
.. prQvldln~ us with the ames ehe., number, dollar amount, and
pa~.e exaetlyas they appell on the ~ccess check. Oral,nd
writlem step payment request:; en an access ch5(k are effective
lor six months Irom the day thai we place the step payment.
'YoU May Not Postdate all Access Clleck
YqU may net Issue a posed.e.d eo,"ss c:heok on your
account, If you do postdatl an access check, we may alect te
honer It upon presantmenl or rerum If unpaid 10 rhe pilson
who pr.sent.d it 10 us lor paym.nt. wltheul,In eithel me.
walling fo/lIIe datI shown on th. amsa oheck. We are ne't
liable Ie you fer any lesl er .xpense Incurred bYYQU arising
out of the aeelon we elect}e tak~.
Your Promise to Pay
Ye~ pl1:lmlle to pay \l!llhe ameunts af all credit '\Iou .
obtain, which inclu~ea all Furchaseund Cash Adv;n....
Yeu alao promise ~o pay us all the ameums ef 11"an~
charees; re.s. and en~ other mnlaaians we aharie alllnst
your accaunr. .
Payments on Your Account
\'ou mU51 payuch manth u least the Tellll Minimum
Payment Cue shawn en yaur manthl~ statement,by yeu/
Payment Cue Cata. \'au may pay we emlra ameunejtl~ awe
us at any time. Paymenta made ~n any bllllnil C'jcle Ihat all
greataf.than the 'io~al MInimum Pilj1ltenc CUewlll nee allaer
yeur obllgatlan te mak. ehe nexl Tctal Minimum Palment
Cue. If you everpa~ ar 11 rnel. Is a em:!!! balance on yaur
accaunt, we will nat pay Inlerest an such ama'unrs, We wHl
re;eCl paymenu Ihal all not drawn In U.S. dQllar:; and those
dlawn on IInanclal Inatltullbns located eutsle. the Unlled
Slat~s. Payment of your'iolal Minimum paym.nt Oue may
nOli avoid the assl5am.nt er Overll~it P.es. .'
. Wfren Your Pa!lmellt Will Be Credited
to Your Account
... We credit pa~menta IS al the date rSatlved. il Ihs pa~ment
Is II J received by ~ p.m. tEastern Tlmeh l~lleceIVl~ at ~he
a~dre5l shown In the upp.r left.hand carner ei th. [rant ci
your menthly statement: III ~ald IYUh a chl~~ drawn In U ,$,
dollara an a U.S. fJnan~I.1 instltutiQn cra (J,S. de liar money
ar~er: ani:! 141 unt in the return .nv~IQpe with"lnly the IQP
~onlon 01 your smemone accam~anylng II. l'.lymenrs
rec'ivs~ aim 1 p,m, on any day. Inoludln. Ihs ?ayment Cue
Cau. ~ut Ihal o,n'l"'Il.. moet tne llcc'O reqUlllmont". will 'co
mdited as 01 lh. next day, Credll ror any ather paym.nts
may be delaYed up tQ live daye.
How We Allocate Your Paymel1ts
We will alleca,e your payments in rho menner.... do<orml ne.
In mast !nstancl!, WI will allacate your payments IQ calancee
(/ncludint neIV transacllonsl with leW.f MRs belere l:Ialanclls
with hi.hiT APR.. Thl. wlil rnult in now baian.ill with lewar
APl\s \.u~h as Iha.a,\I'I~h pramotlol'lSl ,~PR alferll b,in. paia
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beiore any Qtner '!.'(istIn, bal{ne~;,
Promise to Pa A1:l~lies Lo Alll'er OilS
All p:r~on! who initially cr SLll:Ze~l..%,:ry r:;C1\.C S'c, Q,=a~:,
~uaiante=, or use tne ac:oun: ara individually an . ~Qai;!ther
tespon~lbl= for ail, total Qu!Stanc!l'S b.:Jan~, ill;}' r;fuse
to relesse Irom liacllity artyparacn who is (;500 '[blo to pOly
eny tQtal a~(SIandin!O balanes, unlll all af the '~ar s, access
cnecl<s, ana a,her ",,<lIt dovices outslandin; und r the
a~~ount haVl baen relumod IQ ,sand .ny lOch rsan or
" p~rsons repays us ch'S:! total outs~mdlns bafanc= wed to us
at an1 time under ~he t~rrn! of this Aiieemmt.
Default
You will ~. in q./a ul~ <::11 (his iIl/eemenl II: (II fail :e
make any requireq Total IWnimum Payment Cue b II.! Pa~m.n'
Oua Oars: C2I YCUtlot., cur.mandlng balanee excee s ycur credir
Ilmll; ar (S) you flII '1.01 abide by any eenlf lerm of I la
Aareement, Solely for the~urpCles eldetsrmlnln aligibillty
and premium payme:nt' cbllijallQns ror the aptlona credll
Inauran<:e pUTchased th rough MSNA, you will b. semed in
default 01 delinquenllf yeu (all to make a payme 1 withIn 9Q
days al your Payment Cue Catl. Our rallule ta I erolse any c
eur rights when yeu default dolS nee mean thac e ara
unable 101 el\eroisa Ihese rlehes upon laler deleul .
W~en We Ma 'Re uire l/11lnediate a1/mm:
II you are In default, we can require Immadia e paymenl
Qr youlmal euunane::! in; balance and. unlesa p ohlbited C)
epplica'ale law and eJol.<:spt as ethef\llls.pravld. under th<!
ArbluQliQn Ql1d Utigatla 1'1 secllan of thia Agreeme I. we can
alsa rsqulre JQU ta pay ehe caSle w. Incur In a oall.ction
]lroce"din~, a. well as reaaenable morne~s' I. s II we rela
~eur ac~ount for ccitectlQn ta an attarney whe a not aur
lalarled employea,
ather Fa ment Terms
We can accept latEl payments, parcial paymen s. or pay-
menls with .ny restrl ctlv. writing wllheutlaaln any of aur
rights under this Aireemsnt. This meana that payment.
Includlni those marked Wllh "Paid In lull" er wi h any alhel
rutri<:llve words, aha it ape rata aa.an accerd an eatlslaodc
wilhout the prior written appreval af ane 01 OUI enlor eWo
You may not ua~ a f:<:lscdaud ~h.ck t; makea aymenl. II
yau de pastaatQ a paymenl cneck. we may alee lQ heno~ I .
Vllen prasantment Qr relvm il ~nCled1l1d ta In peraen wi
presented it, wlthaut. In eIther me, wailing!o tne date
sllown on the check. We afe net liable 10 yeLl fer n1 lass or
. elIpenselncurred by l/QU arlslni OUI c!the actiQn "elelt to 1
Pa ment Holida s
W" may allow you, Iram time te time, te Q It a me nth
payment. We Will notify you when this cptlcn is avallabl s
yau omit a payment. finance charges anil any Ilpllcsble I
willac~r~" an yeur account In .ceerdan" wit this
Agreement. You must "s~me maklnnaur'1' tal Mlnimu
?aymont Cue eaoh month lollow;n. a payme t heliday,
Transactions Made in Forei n urrenl:
If YQl.l mak.e 11 transaC't,jen in a fereilln l:I.IrrEln I eha irans.
will be <onYOI't.d b'l' Visa Inla'rnallanai or Ma terCard
Incarnatlcnal, depsnalni on which card YQV se. Inro a \
~Ql1ar amount In a<:l"ordanc: with Ih. operael g regulatte
ocnval.lon ,QlccedlJres In .N.<:llt Ihe lime t t Ih. Irans
l.! ~rQ~!ll!sld, CIJrr!!ntly, thQs~ reilJlatiQns a d pro~ec\Jr
~t'Qvid.!i tl'Ult"'the. r:\.l,'rten>:"i ::Ql"Ivarsicn rate. tc Qe I.lse~ Is I
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{ II'! whola;a!~~m=r~;:.Hat: 6\.(2) a i:'I;mment.rner;:!:il~
rat; In sHe~ on; day prior tc the prceesslni date, {l'l;i~=:;'~
by ene p~re!nt In eaeh e:sse. Visi cr Mest5iCarci r~{;;ins this
eM iJ!lre!ne as 'Qii'li=!nsaticn ier p~{rOrmllis the curi;nCOI
CQnv~rslci'1 serll:e. 'T'he e'.lrr\'!l'lc."1 conversion rate in 5ii~:t on
.th~ proC:5!s!IM date may diner frem the rit;: In efre~ Qli th:a
transa=~IQn dat; or th.e posting date.
B il1in g Cycle
Yeur crllln. ~c1. ends eac~ memh ena Closin. Oat.
detarmined by us. Each billing ~Ide b..ins en tha day a~.r
.' the Closing Dm of tha preYleus billing ~icla. E=-h stmmant
rafleas a single billing cycla.
Account Fees and CF!arges
Acccunl F..5: The following fm. whl<:h are 5al felln in yeur
Required Federal tllsclosures er Initial Disclosur.. are chalged
as Purchases In the cllllng cycle in which the rees actrlJe:
III a ~ate Fee If Ihe Tetai Minimum Payment Cue shewn on
your menthly statemenlls nellacalved by us Qn er b..lora its
Payment Due Date:
121 an Cverllmlt rea if your New Balan~e Total exceeds your
credit limit on th.. last day 01 a billing cycle, ..ven if rees or
linanc. charses charged by us ause yeur New Selance
Total to exceed your mdit limit: an Overllmi! Fee Is
Charged to your ac~o\lnl as or Ihe day In the blllinl! C'/~Ie
that the total outmndlnll balan~e en your account lX~eeds
your credit limit:
1.1 a Returned Payment Fee 11 a payment on your SQcou~t Is
relurned 'Qr Insufficient funds er IQr any other r.ason, even. II
It Is paid upon subsequent presentment:
141 a Returned qlSh Advance Chack Fee Ll we return an acc...
check unpaid lor any r.uon. even lithe acee.. check is paid
upon sucsoquent presentment:
III a Copy Fee IQr .ach cepy 01 a menthlystatemem 01 salas
dralt. e'c'~llhat the six mon recent momhly statements and
sl~ sales drahs will be prQvld.d for Iree, and .
{OJ an Annual Fee II your acceunt Is ep..n or II yeu maintain
an accQunt ba lanca. whether you have actlYe chall.lnl prlvl.
leea 01 no!. .
Abandon.d-Pruperty Charge.: Unless'plohibited ily
applicable law, we will chalga your account. as a 'Purthase, ror
any cOSla incurled by us associated with ~omplylng with state
abandoned'plopeny laws.
plea~e review yeur Re"lulred Fedaral Disclosures or ]nitlal
Disclosure (or addltlenal fees and <:halgas that may apj:lly te
yeur ac~aunt.
Benefits
We may elle: yeu ce~ain benefit> and sel"llces with your
acco~nt. Unless npressly made a pari 01 this Air.ement. any
such benenta or sel"ic.. ar< not a pari QI this Aireemanl but
are subject 10 the terms an~ r.strlctiena QUliln.d In the beneilts
brochura and ather omcial dacuments pravicied to YQU from
time la lime by ar on behal! ef MaNA America. We may
adlusl, add. or d,lete banents and aeMees at any time and
witheut nQlice to you.
Refusal to Honor Your Account
w. are notllabie ier any reitlsal te honcr yeur I~:ount.
ThIs can intlude a reiusal te henorYQur card or a.c.unt num~r
.r any eha:1< wrlllen on you I sc~eunt. We are not liacla fer
any menllon af yaur card by us, any other banI<, ar any
prOYider 01 iQOQ! ~~:ervlcu .
7
We Mo.'- Su.spen'd' or Close 'lour Ace unt
W:: n:ay ius~~nd cr cl'Q$e l'QIJf .a::ount or oth<iNJisa srmina
YO!,:! iI5~t_:o 1J!e 'IQ.ur aC;:~IJQt. We il'\!i' ?~ ehis at ani' fM5 and
IQ~ Ill'll' ....=on. Ycur obI j~aCLQnS uiid~J tnl~ A~r'il;ii'len! ~rnjiil.ll
$,ven sner ":Ie hav~ Qc~e ~nr~. You ri1t.1!t Q~mQy;ll ~I' 3, ac=~;
e,n~e~, !iLQ Qth;~ crEdle 01!l'lli:;S on ih~ account when' requel
rnal.You de s::,
You Ma Close 'Your Acco~nt
You may clese your ;"I ceo ~nI by noli lying us in wri in'O Qr ~
talaphone,anddaalley,n; ail~ards,acc5S' checks. s d elhar
mdlt deVices on the acccum, Yeurobll.alions und this
Agreemont centinue even aim you havl dene thia,
Transactions A er Your Account Is lose<i
When YQur account is <:lol!d. you musI conlact' cme
authQII:.d tQ charle transactlenllo your account s ch as
In:ernet service providers. he,lth clvbs. or inauran,,'c panie'
Thaee transact!Qm may cQmlnu. 10 beeharged ce r
aC~Qunt until you change ths billing. Alse. [[we beil ve you
haye autherl:ad a transactio" Qr,re atlemptlng te u e your
ac~ounl alter you have r.. qUiSted 10 clos.. :ha aecou t. we
may allow the transactlQ" to be ~halged to your acc \Jnt.
We Ma Amend Tftis A ree711ent
We may am..nd th Is Agreemenl at any tima. We m y
amend It by adding. deleting. elthanglngprovlslon el this
Agreement: Whe" we emend thll Agre.mont. we wll CQmp11
With the applIcable nQth::.. requiramenls of federal ad'
Celaware law that are In e/f.~ al that time. If an a ndmar,
ilvea ycu the QPpoltunltYlo relect the change. and I you
reiect the chani. In the mannar prevlded in such a end,
ment. we may terminate your right 10 recllva credit nd may
ask you to return all credit devi~es as aoonditlon "'f our
rejection. The amended A.reemem (Including a"y tgher.ra!
Qr Qther hl."..r eharges Qr I...., will apply te thetet I ",ut-
standing calance. lncl1.ldlng the balance existing b.. re the ..
amendme"t bacame eFfacllve. We may rop!aca you card wit. "
anothe: card at any time,
We Ma Sell Your Account
We may al any time:. and without notlca te you. II. aaahll
or tran.rer ~ou(accQunt, any suma due en yeur acc unt. thie
Agreement, Qr cur rights or obliiatiQns under your ccount 0
tl\ls Agle.ment to any persen er en:lty. The perso or entity
to whom we make any such sale. aSlillllmen: er tra sf..' shai
be entitled 10 all of ClU r rlihts anW'QI oblllatlona u de: :his
Agreement 10 the elitei'll sold. assigned or trans/err d.
. Your Credit Limit
Yeur credit limit is dlsclqsed te you when YOU r eive your
card and. generally. on each monthly Slatemem. e may
cl\ange yeur credit 1\mlt Irom time to time, ..
The amQUnl shown on yeur mQnthly statement s Cash or
Cradll Available dees net lal<alnlQ acoount any P chases,
Cash Adyanc,s.linanc;e .hargos. fe.., any other tr nsactlon..
or credit. that po.t IQ your aCCe\lnl attar the <:IQol i! Dal.. QI
that menthly smomant. Sucn ~ransaalens cauld esult In
ye'lr credll Iimil b..ing exceeded and result In ths aae..mo;"
Qf O\le:Umtt Feel.
Wliat We May Do if You Attempt
:Exceed 'lour Credit Limit
The IQtsl Quc,tanding balan" en ycur meunt plu authQri:.a.
tlQn. at any time mll$~ net be more,han your <:r.dl limit, If yo,
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a~.;m1=~ ! traJi~i!ctlcn t,.l"at ~a.slJlu In YQUT ~::~al Q!"I\:\=ndl1'i~ b;\.
an:::! Iplt.is a~J~hQri:!tIQns} ~x:a~dliia ,Q'.l:' ~:adit limit, wa m;~
III permIt the.transaaion Wi~hclJt r:;lsini you: 5ie~it limi;l [21
cll~mit ~he trailsadon .and Heat the amcl.J1'lt or th~ tral'l1=C":lon
th~t Is more than the eredit Hmi~ as fmme~lat;ly due; Qr [:l
refuse 10 p,rmlt eh, transac:lon.
If we refuse to permit tha transac:[ont VPe may aavi.:s th;! .
persen whe m'mpced the tron,actien lhal it hI' be,n ;aiu"d.
Ifwe r,luse to permll a Ch.e.\ ~sh Advari'. or a.lsnel
Tran,ier. w. m.y de se by sdvi,lng tha per,en prllemin. tho
Checx Cash Advance er aalanc, Tran,ler thst "redit 1m been
f.lused thst lhele are ineulnc;,nt funds to pay th, Ch.ek C.,h
Advanc~ 01 6a!anta '!'tansl'l. or in any clher msnner.
1/ 'Oe haye previeusly permilled YOy 10 uce,d your tredlt
limit n do,s nOI meen thaI we wlllJlerrnll ~eu Ie emed yeur
creelilllmlt aealn. lC we decide te penni! yeu te ""md yeyr
cleellt limit, we may charge an Overllmlt Fee ss prevlded In
this Aireement.
UtlautFrori%ed Use of Your Card
Pleaa~ notlly ~s Immediately cr the less, Ih,~, er pce'lble
unautherlled use Qf your actaunt at 1-600,719.6701,
You Must Notify Us W Jim You Cl1ange
'Your Address
We ..,ive to keep a.curate ,e.ords fOI yeur llen~i~ and
our!. Th. poet olflc~ and cthers may nolll'y ua el a ehanle lQ
YQur.addre.s. When you chanie your addre,s. yaumusl na~lfy
u. ~'emp~ly 01 your new address.
Wliat LAw Avplies
This Alreemonr I. made In Oelaware. and we ,xlend credit
Ie yeu (rem Celaware. This Ailreementls govern,d !:~ Ihe
law. el Ih~ Slate el Calaware ('1Ilthcut reiard to It. cOMlllcl of
I.ws prlnclple'l and by .ny appllable rederallawl.
Tlie Provisions of This Agreement Are
Severa Ii/a
II any plevl!len ollhls Agreem.ntls lound Ie ba Invalid,
lhe ramalnlnll prevlslens will CClntlnue te b. en.cclve.
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Our Riqhts Contltlue' .
Our Jailule er delay In OlIertlSlngany ef eur.rlghts under
lhl. Alreemenl dQes nat mean lhal we are unabia ta exercise
those riihts later.' . -,.
Ar6itratiol1 Ilnd Litigation
This Arcltrotlon and ~ltliatlQn proYi,IQn appilOl te yeu,
unless you were -Iven the ePPQrtunil\' Ie reletlthe ArbitratlQn
and ~llI.atlon provlslans and you did se tejellthem, In lhe
mannll and t1me(rama re"ulred. II yau dId relect elfealv~ly
,uch a previ,l.n. YOy aireed lhal any IItiiatlcn bleullh~ by yau
all.inst us rag"dln. cnls eceount er this Alleemenl shall be
breullhl In a ceur: loa led tn the Stale ef eelawlle.
AnY claim CI dlspyte ('<:Iaim"j by allhor you er us .Ilalnst
the echer, cr s.ainst the empleyees, agents. or mlin. of th,
.Iher. arlslni !r.m or relalln;ln any way ta this Airoement ar
any priar Agreement er YQur a.e.unl (whathar Ynd~r a
statu~e. in c.n\ra~. te~, .r .lhorwlao an. wh'lher ror menoy
dam.ges, penal~u. .r declaratory er eq,:,lcable rellel). Ineludlni
Claim. rei"ding Ihe api'!icablllty.r thll Arbltlltlon and
~ltlg"len aectl.n ar the valldfry .1 the entire Acreoment er
any prl.r Agreement. shall be res.lvod by. blnd!n, arbltratlen.
Th. arbltraUon .l\~l )oe o=nduaed by Ih. Na;I.nal..,....ltml.n
~
~cn~m ("NA;:';; unda: th! c::;t;!e ~r;:rQ:51dt.Jre in e ~:. at the i:irna
tiie C!iii!im t! (lie':. ~u!e3 and rem! Qf the Nallon l..voltrailoil
rC,rum maybt oC(lHnedandClaliii.$ may be nlac ~my Na{lon;l
Arcltl"ation rC1'1.!rTic:rle!, ~,lJ.=r~.brLlm ~em or .0. Sox ;0191,
Mlnne.:pcll:, Mii1l,eSC:i : 3405. ulepncne r..aoo. 74..2~71.
Iflhe NAris ~n.bi~ crunwlllinl 10 ac: al.,oll t.r. we may
SUQstit1Jt! moth!f ni!tlonally r~~o$i'\Jt~d, lnd~~ ndent aibi.
u=ticn ori:ntza~ion that uses a similar 1;ode of rc<:::d1Jre.
Al YQUI written,r,ql.ml. wa will advance, any ar.' "atlon IiIln.
le~. Qr adrnjn]$C~3~i"e and hearil'i feas that YQIJ H! r5!!qulred
te pay tC pyrsu, a Claim in arbitratien. The arb Iratol '11111
decide wha will b~ ulllmatal,\, rasPQnlible rar p InillMoss
r.es. In ne evenl will YQ~ be req~jred te relmb se u, rQr any
;rbllCa~iQn filing. admlni'tratlve, Ol hearln. r~!S in an am aunt
greater than whit your oeYI't costs WQuld have en' if the
Claim had been reselved In a ',ate ceur: with lu Isdlctlen.
Any ar~flrallon hear1nil alwhlch yeu appear will teke piaee
within the [edaral jucllc:ial dlslril:! tnat InclUdes aur blmni
address at thedme the Claim Is filed. This arbl lJon airee'
ment Is made pursuant to a transactlen Invelvi Imerelllte
cemmerce and shall!:e governed by the Faderal bltratlen
. Ar:t.9 U.S.C:. 1I1-16\-FAA"). rudllman~ upon an arbilrallen
award may ce ,ntered In .ny ccun havin. jurlsd ctlen. The . .
arbltratar shail follew eXlsllng s~'aSlantlve law I che extent
ce~sistenl with th~ FAA ancra~llllca'ale Slatutes I IImltatiQns
and shall honor any claims er prlvUege recellnl: d by law. If .
any paTtY rllquels, the arbitrotor shall write an pinion con'
tainlnll the rOUQn. fer Ih e award.
Na Claim ,ubmltted to arbltra~I';m Is heard b a Jury, and
ne Claim may be brQught as a class actlcn er ae a private
attomoy general. Yeu de not have the rliht te as a class
representative er parllcl!'alo a, a member ef a ass or
claimants with respecl to any claim. This Arbit tlQ" and
LItigation sectlan api'lIes Ie all Claim. now in istence or.
that may arise in ~he IUlure.
This Arbleralien and LllIgatla" ee<:tlen shall
larmlnatien el yeur acccunl wllh us as \Veil as y voluntal"{
payment 01 tno debt In full by yeu,.anybanxrup ~ by yeu; er
sale el the debt by us. .
Fer ~he purpeses of this Arbltratlen and I.ltl tlan seCllen.
"we' and .us" msens MaNA America eanx. N.A. its parenl.
subsldiari~s, .(fIlIatee.lleensees, predecessers, ucceSSQrs,
uslins, any purch.ser .f your account, and all their QmCers.
<llreC!QfS, ~mplClyees, aie"u. and a.elin. or an and all el
them. AddlUanal1y, "we- aT "us" Shall mesn at! lhlrd pan:y
prevldlng benelllS. a"l'Ilees, or prCldua.ln cen ealen with
the aeeeynt f1ncludlnil bue not IImlled ta credl bureaus. mer-
chants that acc=pt any crecl1tdevlce Issued un r th~
account. rewards er enrellment sOl'licea. credit nsurance
eQmi'anles, debe cell.ctars, and all e/lhelr olft ers, dlreal ors.
empleyees and agentsl ii, and enly II, such a t 'rd partY s
named by yeu ae a codefendant in any <:Ialm y u assert
aiainst us.
I! any part ef this Arbicratlon and ~ltlllatIQ..
lound co be invalid er unenforceable ynder an
cenelstent ",Ieh the FAA, Ihe remainder 01 this
Wtl;atien seclen shall be enlercaable witheu
Invalldity.r un~nroreeal:lilllY.
TH~ R~SUt..T OF THIS ARSITAATION AORa M~N't' IS ~a
iHA'l', e:xt:s:1'1' AS PRO'lICS:O ASOVi:, CI.AIM C.;NNOT ~
~!TIOATaC IN t:OURT, INCI.UOil'lO SOME elM;; 'l'}O(AI'
C:OU~C HAVe: eS:::N TRIED SErOR;;A JURY. S <:1..;S5 ~
ACTIONS. OR AS PRIVATE ATiORN~Y CaNE.. AI. ACTION::.
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rbltratlon and
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10
CREDlT INSURANCE BENEFITS,
LIMITATIONS, COSTS & EXCLUSIONS
CONSUMER FllOW:TJON. OISCI.OSUR.S
C;lEDIT INSUilANCE IS. NOT A O."OSIT, NOT FOI~,
INSUiUO, NOT INSlJREO BY M'Y r:;:CEm GOYJ::F.NMENT
AGENCY, MO NOT CiUAllANTE;;P BY THE: SANK.
PIJIlCHASE~F CREtilT INSURANC;: IS'NOT-A CONOITION
OF CBTAININO CRECIT, IFCQ'I:!RAClE IS DtSlRI.O, \1'
MAY BE PUR'HASte tLSEWli;;RS.
~ro"i' 1......<. pay!yaur minimum monthly payment'
up to your balance an the date 0/1011 {na! 10 e,ceed m .000,
~cept;llaab\\l\y In MN1. until you laturn 10 WQ1~" Ilyou ara
, Involuntarily unemployed, ~ disabled. or {(you or your
spouse iakes co,ered lemUy leave. Ctedlt In$UISnea alsQ .
pays YOllr Insured outstandlnll bel an", up 10 lhe least 01 your.
outsundinl balance, your Cledltllmi! InCl Al..AZ, AA, DE.
PC.IO.IL.IA.I.A. MO, MN. MS. NV. NO. OH, OK. RI, SO, VI:
WA. 'IN I; WYI. or S25.000 II yau elle.
En.lblllt.. illne Insured per aCl:ounc Ilnsured must be lhe
primary cardhalder ar a ca.appliant. autharlzed usar; ara nOI
. elilliblel. une!eralle 06 110 In AZ. NV!:- VA: 71 In Fl. OA. MI..
I MO G OK: 12 In NM). YOUI caveralle ends al these lsme aies
le~'spl family leave In M.. F\, & S~ & unem-ployment}, 'When
I enrolled, certlflcalss wUl bs mailed I!l\plalnlnll YOIII eoveralle
e;. effecllve data. In MN. unemployment covera,s Is tlf6l:llva
61 days ~am your certllleale effective daCe. For unemployment
or family leave benellts. you must be gUlnluUy emlliayed
worldngat least 30 hlSlW& Inot seJl-emplayed or an Independent
~ontraclorl/or 90 conlscutlve days belare the date 01 lase
(CO, belare applicallon dalel.IFA- on the date a/lossl.
ITX' befare caverille eReellve date fQr unemploymenc!.
'Empl~ees aJ jllales;;0ll1l1 corpolatlons may be el1lible.
COVf!l'l'lI"@~ ~ BenefH!! Cfedr~ Insurance CQ~':rs: ycut
Qealhlln.o\unlat'/ unemplOllTlellt :lue 10 lob \aIS, Ilenslal
sulke. unlanlzed Iubor dispute. or 10ckoUl' total disability due
to sickness ar Inlury ~ yau ara unable 10 perform the mllerlal
Ii f\lbstanUal dwes or yaur lob lor any lob aller I. mos. In
FA: IS mas.ln.AL.~. AR. CA. OE..CC:. OA. HI. 10.IL. I"'. KS.
L}" MO. MN, MS. NV, NI. l'I.e. 01-1. OJ(, Ill. SO. TN. Vi', WA. WV.
WI !:- WYJ: your or yaur spause's unpalg lsa'e a( absence
from empl~menl due to dre al yaur newbarn or newly adaplea
child or an In~a~aclcated immediatll family member Im~sl bll
spollSa. dlnd. slapchilcl ar parent In IIK1: mand1l\Cl"f let:lll to
active mllltal'/ duty: lul'{ dul'! lexceptl" AK1: .01 realdene: In
I a llldllfally dedarlld dlalStar aro. !.oas Inol ~nllllmusl
cantinue at lem 30 days befole benefits bllllin. In NY. far
strikes. ~njanlzllcllabar dlsputu Go lockauls, yau muu b. .
unem~loYlId far 1 cClnseCU11~1I IVeeks r. qualify far sllle unsm-
I playmenl benefits belore benefits bealn. A daily clInelltls
paid far each day 0/ lass over 30 days lor llnemp{oyment In
NY I; PII, and disability in CA. CT. CA. NY. MI. PA, RI r. SC.
You may eanesl Ihis caveraas al a11'J lime. 11 alli~eled wilhin
cha Ilrl: lO daya ar eavaralle. all pfeml~ms will bll r.lunded,
b.I".'.... Ufe: suicide 11\ Ih, 11m ~ montha al eaveralls
Inol MC ~ MOl, In.oluntary Unempl.ymenl: rOlUemenl.
feslinarlan. valunlal'! {arreiMe or lncamll at lob loss due 10
willful Of eriminal miscandul:l. dlnbIlll'{, ltrikes In IL, milicary
diseharge In NY li normal seasonal unemplO\'lnenl In TX,
Olsablllty: normal preinan;Y or chilclblrtlt ,nat CA. MA " NV1.
Inlentlonally sllll.innlctad Inlurlu Inot MOl, af a pre-ellisllnll
me:l!'" eond\tl~n ~llllnllllr.l1 ~ months af caveflllll Inoc Nil.
Family 1m. bene/Illar. not paid II you ara alllllbla far or
, feaMn, uMmp!oyment beneills or ale dlsabllld. .
...... ..
II
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1'~ls \s:r\l~,brl~r d~s~ri~tion o1ccver.~=. ,.J
b ,.. , ..II... CQlJer!i~.3
vary 't Siaie. Pj:~U;1 r'efu to your :irtl!t~:tt fer a fun
explanation or (o...~(a~~,
c"st.1i;' ~~r sroo ~er- Mc"th 0' Av,U II 0 ffv ealan~!!!
Cas~. apply 10 :ir~ (~l. CI..cilicy (01. Unemll aym"nll!jj &
Family Leave 1,1, AL S4.l~: AX 700:;"1.99,9 AR 99(, c.~
59.;(: CO 5Q.~c, Ci 4 ;2,;90, O~ 99.90: DC 99. 0: il. .9~, OA
90,Bo! Hla9.9Ic: 109S'.5e (L Mo. C 16,90, U .. l' .0cldL.
110,97e, IN 96.:IA 97.131: I~ 7.2e. 0 lo.oc; ~'l4 F.Ool' K'
as.47c, KY 9i.4e, I.A 99.93c: Me: 53.05c: MO 7 :74C: MA is.7e:
I MI a;,7c: MN 11.47(: MS 9..;(, MO 61.1c: M 93.9c: NE:
95.10: NV 99.llc: N1-\ 950' NI 970; NM 5a.9c: Y 5Be {L 1..50.
o 26.13e. U 16.94 l: Ne 7 1.3e: NO 94.97(: OH 9 .90. OK 97.41Q:
oaao.a~: FA la.\c: !' R 990' RI99.ac: 5C 'lU SO 99.ge: TN
92.5e, T~ 33.7t (I. 4.8<:, P 12.90. U i60): UT 90 44~: vr 34.92e
(t.~.OSc,P 12.24<:,1' 16C:l:VM4c\lo6.1<.pa, <.\J49c,F
20<): WA a9.l!e: WV 99.5e: WI 9Mc (L 5.1e. B.9<. U 59c, F
20<1: WY 99.1e.
Av..n."llItv! In,ol l.Intary Unemplayment Is not availllble in
MA.QrVi'. Family ~save is nClavallable InA CT. MA.MO,
. MN, NM, NY, PA. or TX.
'uluf.!p"'wrltlnsr eQm~~nle~oJ1c:'"/! InvQtlJ,n ry .
Unem~loymllnt: American Sacurlty/LOI15lB5) LOI NYllf93).
AS \.01 'l'X(l11'l91. t.OI<::-IP.KS(2I96I, L('IIC.IP- RS-ME151S51
and l.OIC.IP: Stanaard OuaranrylSo LOI(5ta5 fNH only!
Life" ClncilllY. Union. 5acurity l.lleIl..l-Z.l.. .01n .'L. Az,
AR.. CE:, tiC.ID. IL. ,..., 1(5. LA, MC. MN. MS, . NO. OH. OK.
. RI. SO. VT. WA, 'IN Go WY: Standard OuaranlY tr. (TlI onlYl1
l..I.Z,t8192113.'31l.A\, Firsl FanlS lotrelN'{ !.lfe nlY1/NY\.MOOI.,
American Security lNY Olsablllty onIY11W.S.A. Fonls
Insurance IME onIYI/U-:;.A. Family ~eave, sti<:a~
Seeurlty"L!' (4/911. Ft.;:'Fl.(I1197]In FL. F1.P. C (319S! In Ne. l"~
Fl.P.OKI41911In OK. FI.poVAI1I9alln VA. 1'1..1 1AZ.1I119alln k;~'
r.?.l'l.-lPW9'l)ln IL!l: IN, F1..IP'K511:i'19111n ,Pl..IP.ME i~-:r'
141191 In ME: I'L.lp.W'Y\4ml in WY: StanderQ aramylFl.F t;~~;.:
\41911 in NH: Unlen Sec~lllY l.\lelF\..P-VT\4117 In'VT. SQlidtlni ~.~.~.
agents far MIISluiPr=lllna Flolicia arll Charl~ M, Ooraen and jl:~'i
Pamela cunrs respec::tlvely, .. \':;.
. ' ,"'~
The eredirol may recoin eompensarlon in onnectlon with ! ::~"
thIs orfer. \..;;,;;
It Is . crime Ie prQvlde false or misle.dlng i formarlon ta an "}i~
insurer for the llUll'QSII 01 delraudlng lhs lnsu! t Ot any othElI t, 's.~
person. Peneltles In<:1 ucla Imprisonment andlor Ines. In adaltia~, l,."t
an insurer mil' dsn:,' Insurance benefits il lalse Information :1
matellally relsted IQ II claim was provi:lecl by I e applll:lnl. .;
,..
'l.ess past Que ane! ClYet ~reditllmlt amClu ts.ln MI, c:aver. 1.',)
alia pays 5% 01 Ihe balance an your date of d sablllty up 1"'1 ,',;
5\:150. In OR. caveraga pll\lS the irealelo/l 6th of tha ba. fl
anee al the current minimum paymant d~e your date 01 -(
lass. In NY Go PA, C:Q~era<<e pays lhe mlnlmu payment aU~
on YOUl dale enoss. In n. ea.al1gepays th ileatelo! 6'1'0 0:1'
your insuml outsta ndlni balan~e an yeur d tll ar unemplay'
menl or yaur minimum monthly payment.
. "The number of monthly beneiil payments II nat exceed 9 oJ
ror family lea~el 12 lor uneml'lloymenlln N... 1(, C'i, 11.. MI. M..
MO. NM. NC. NY. PA, SC &TX: I2Ior:llsabill ln AK. CO. CT.
Fl.. KY, t.\A, MO. M'l'. Nt, NH. NM. NC. OR, S ,U'i & Vi'.,
NY. NI Ii 'i.'lll..lch.ntll Only, To purchasa e erallas separatel!
wril.ta ASsurant OrQup. P. O. aax 503". Alia Ill. OA 30302.
i'.]l]lli<allans will ~e aenlla i'OU,
, ....~.
"
.I
EXHIBIT "B"
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ie. YOU~ CR:ClI"i C"~'" ."'=:::~!=\'~
-"'.!..J '-.'.;J\ ,..._:'1...d I
-I ~~".$ A-::Itl"'........~... ..I... _~'... I '
I\~.., ,1\!r',~H';li~ "'IUi\:~l,j,'l;l '.::ri'i"S Qiy~wr~.",:"~r. ~-......r,l . ~ ....J I'" ' .
;li; :.;;~o h Ifilli"'! yourCr;.:TI Ca1rd Acr= =-m ='if c:~:;~:.~.:.1. ";,~~n7m~t!l,,, rl~~'; ~:"~ !.lil~ t;:;<i.rr"l =jl,... ...
;..sr:-imSiL~Cal.,aJ'U! Iii iuH f~jcea0Q iff~a: '1'1 ~.."':-Oll__~ ~.\::;~~ ,"I"i'1.;~Ciii';1itS, le (Sjiiii,~r Y~lJi CI:~n
I =[=-~.~~ I.....I~ ~..~f'll~ ''':!\I= "':....._.~ I"'I'~ _ ..JJ_ ' .
I' ;w-- 1\\i,...:.tI...T1..,II.... .""'\~;;,jjlol_..""''.or:i =~:;s:si,"'\r"'!r~-l.l.o:: P"'!!..__"'.._:i,....... ...
vi:rma;/clJ..waOf~jiCi. to s r:rs-aftr;.::rtinV=O'=~.IO\ l,itnC"f;;w;JS:"~~ Uil'~;/ j1: 4raC1C~~I~~i:~I;;liI1S-$~
r\sal,oie~I:-" 0; ~C~ 1/ 0&4 't/iJmlnttcn ii:-;:r; d.,"ItO.};:;'j 1__, ~,,",~I;.;o..;. .. '0.1 ..." '~;'~lH~'~rttli'~ ..
. . '" ,..."'" I~ .~, . ..
'eIT~:UYaViitbL:ns;o1lonsth:(~.Qst (Qyoura~oLrn'on 0'-"'-; J- u-- 1=: ? ao I" o!l' ,
Bw~~a~F.~U~P~'l~Q,~lar"d~ aun9!on;;rI9~MAdan~ci: w.~vmi~.;:1.. i'.f r1skc::t~~~* ~Th~~hc'
M.am,,;I:::'''JJ..'' oo,!J) "or ,1. ,Q. el!.. "mcL!litc, "en ,uchCasnMi ,ea 'MInimum .....' ~-
;iI."J lr 'oI,\U I -lI-JJ. .. . \, I ....~ 'l'~
. i~t:L'v'Wi1h'A!~~~C'cu~nA$ .l11at pcstto 'glu~racoct,ll1lcnor =itar J",1uar/iS ? OO.11Y~~ cbl~rr.1 a e '
"1i~~ea!<an I aSIl a;ancsl.or.\..i.- EqUIV!lal"l~WeWifl ~~'="utfm adu<lnla=\PiNA'1C9C
,. C. , G.;) ~al. Q~.OOla of Ih~ ....6, Del Sl" .mQunt ';l'T ,laciHucn'Casil AciVe ce (Miniml.lm Pa~ ~~
· 5U~~~r.Ao.l:lit~.~~.~~~gWirJJJ~r~w~ bi;;~~~~lI/f.s... ~leJJlrtyI aMoIl~~s: he iotal M1,lmum ~a ' '
Eoymanteac cllllng oycleWl 1:i1~~~ar ~tll~a ~'~!~\JjQ~~.R~~ ~S~~b~eC::llr.'1
[ranead_Cti.~?essl !ndc'~!~UQt leas ~CIUdlljg ~~\I.lI'll!Q CasnAavallcacn !i'~eiCQCYr~es'
Allan on...... (9cer\Y hamesl~ uss :;ljcr2 ,:2:l7QoI!heNewa$lan~Tql tnecurr~n~P.a'"
npever bll.leClS'Il1~r ~1 q,~~ess YQlJI"e N, aw eilan~l" Total is less than ~1S 1(1 Will .' aasa ~a j'c~ll m~
. ~~~d~rl afl~~~i~~~~~~~~tWii ~~JJ1~e ~: 8~~~~~~~~O 111r~~~i?~M~i~U17
tn. t:a1lT\an was QttlllilSlt'r oram ad . .
· 'r'OLl.ccnaelJ\.to ans.aull1cpzs MSNAAmeric!lany oUls af!llralss, CllIs.l'rnlrl: "M as~ial;s t.o mar
1l!1a101i'aCil1ij ~y \,II your il!lepl\one OQnv.rs"Qons 'Nl1l1 c1Jr iolpraa~ntallVas Q e rap~el1llldv.1 of
"!osaocmpan,i;s. . .
· As~ ~r~A1lid~ In your.l c:rl~it Carl Aba' 'eeJl'l~mtan.!:l under Olllaware iaw, '~a amendrl!'O! lhe t
a grSlmanctQ~CUllean N I anSect.lcn. PIElas!Heaillt~r" Ily'b$eaIlSII~'ilJllat
h; 1~9QU"rt. TlcIUaIMan!fr;~tYQum;aylta..atoliavUlu!'l.tr .lItsleig,YC~~il1cl
iV'.. arb, Ql~ ms. Yell m.ay <lbJ;o.l~C' rc beeUl:Ijec:t!1 U'lis~r& lhln~i!l:ian"~ Yo
, lh1 ~na!lOUUT!:".\QllS..a.t lhll!lllna otllill no.11~. Tltis ~bibatlCln S.e~Jon will eCQme UfecUvecn I
. I ... . rh~ Al'l<llfa on ..ectlcl1 rea.. $. '.
A/bit/ailen: NIt YQlaim cr dl~lJl'l r:Clerm~) by E1ilhuarYQl.l Qrus againel. t.'1e ollia or.allalnst ~a aJl\plc~
aqal'lt; ora;el,gne of tile ether. anatlng t~m or.rllle \ljlln an'lh\!lay~ thiadAg~ en. OIe~~Jr A~t
YClura9cc'.Ilt\wnethSl'undala,!la ut!l, n cQntl"ilo~ ...rt. ClrQI erNIsaan 'MIa! rf~~ !"!,g""",
~nalUea ori:leclar.otay ar!!l:lUllacle rei ef1~~tCluQIm1CIi3ll1\.a rE!gardl~g ttl!IS~ caeffl c Is =!ra~
Cle:Uon orlhe'r.lldl!yoitheanllreAgraamen Cran:fpnClII\gAllrnen~ :sl1llllca ~lv . IlnCll\~
.... IHurl:lllra~on!ha" be C~"~U~rec!bA~e NaiJ~ al Arbll~~cn ~o~t~F'l. ~sr1he C~~r&8:.'
~1~~:ln'~~'fdaaO~~Wrnal ~"'ia~ Q~rlofii~~~sia~~~~ 1'~'''~Yegx50t
, t'jlnnaCQitll,MlnneSQ~Q~4d5Itsl~t1Q~e'1\ Q47T.~aIJ'1 ~el II~~ \l:I'un'MlIlngd~~\~
a m1l:~~~~~~t~~r~~&~~~rts:~~ll sCJ)1 ~!l.~l Jr3liiW ~~I~"I~aIZilI!~~\n:
anane.a fHS'lll'llol'l'Jlluam~atllrad""i:ll1! Q=IJ~1JIU aUII nartllou ,TnlS.,,1 "... ui
VIiIl!:\iu ~res~Qn$iIltalQl'llf(inglh~slair!s, Int'lQ~'(ent'llmrY9uce~ m~u ~=~~ali
=~ij&~ a~~~~r:c1~~~~'tagJ"1!"Cj~%~~gn. ~~\'I., Y~Uh~sadll~ stWnl1
allaesr'ljjll aka ciac;vnu\1n U1aiedSrallc:.~d3IQ1s ::Q~t"tHi"tHi~!\ndua..esY~1J1' e ........~~~~u::
. Isfilad. Iniurtlilra\lPna~msntISlT1a.....au"uan I: alrat'lSS~Cnln'IC~n Inte".....~ srcitlllt
bes~m!dbY \lie t"ec!e~etiQ"AU~u9 U'~~e .~~~:tF ,'hr9 ~~~:~tlve ItI
Wx~~nt;~~~~nrJ\f{ ~aFAAanU~i;c~~~~ Qhtl1mif{Q~'~~~if.ll =tan~r.a~~al~~
l'!l:agnl~!Q oy law, ltaoyparti reql.lesta, lI1a ~I\la,_r s. all Wmunar:i\'I1cn Il'I"~"
~~ .
NQ Claim ~1Ji:~\ltaQ \c arqt~,,;~oil'is heard bv a J\lrl..~d 1'19C1aiml may ba QItI gh; asar~;~~t~
.lnvate at!.Clmay ganerat. TClIl 'MlI.l1ct nillM ~a ngn. ~ ~Q\ q ~ ~ a~ I1Cra= lSti'iea,.,. tact
i!lamc.raf a ola~ at Qlai(l\atllS 'M"'''' ra.s;::l!l!:t ~ tc 'Il'W C1!l:.m."1 I J1IG ~llratiQn S hUCl~~~~~ s~,
Q!tfle.n :'Cl1.nnd us ar,~I=\l$\Y i:!1SSrt!Cl n any a'/lal.lh~.11 ~Cl J:elore ilia date IS ....w\ nuc""av s
~ffeclti.. H~'l!e~e" ll\is Aitli~Uan SeQ~,m aF~\\as ~atl Clilms nowtn e:QS nCl~ crtl\a~\I'1
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EXHIBIT "C"
3471
IN THE
NATIONAL ARBITRATION FORUM
CLAIM
MBNA America Bank, N.A.
c/o Wolpoff & Abramson, L.L.P.
Attorneys in tbe Prac,tice of Debt Collection
Two Irvinglon Centre
702 King Farm Blvd.
Rockville, MD 20850
CLAIMANT,
Stephen D Halderman
7073 Carlisle Pike TrJr 145
Carlisle P A 17013-9764
RE:
Forum File Number: F A0409000335138
Claimant File Number: 0112087241
Account No.: 4264290997760822
Card member Agreement Type: NEXT90
RESPONDENT(S),
For a Claim against Rcspondent(s). Claimant states;
1. By way of contract and use of the credit account at issue, Rcspondent(s) bec-ame bound by the terms of a credi agreement
(hereinafter the "Agreement"), which is attached hereto and inc,orporated herein by reference.
2. Respondenl(s) is/arc in default under the terms of the Agreement and is/are now indebted to Claimant in the a oun! of
$18608.1 9 , as reflected in the attached account summary, plus inteTes! of $1315.32 as of the dale offiling, and at
6.00% thereafter.
3. Despite repeated demands for payment, Respondent(s) has/have not paid tbe amounts due.
4. Claimant requests an Award for the all1Qunts reflected in Paragraph 2, plus all arbitration fees incurred, Process f Service
fees and Attorney Fees of $2791.22 , if allowed by law, equaling 15% of the outstanding principal balance.
5. The attached Agreemen~ contains a Delaware choice of law provision and a provision for "reasonable" attorney es.
Delaware law specifically provides thaL an atlorney fee may be awarded in an amount up to 20% on an unpaid cl im if
allowed by law. See, 10 Del. Code Se.c. 3912 (Pleading & Prac.tice).
6. The attached Agreement ccmtains a mandatory arbitration provision under the Rules of the National Arbitration orum
("NAF").
The undersigned counsel for Claimant asse-rts, under penalty of perjury, that the information contained in this Cl 'm and
the supporting documents attached hereto arc accurate based upon information provided by Claimant to the undersigned c uusel.
WOLPOFF & ABRAMSON, L.L.P.
AIlorneys in Ihe Praclice of Debl Collection
By:
k/~'
Bmce H. Cherkis, Esq.
ADMJITED: (MD, DC, P A)
Counsel for tbe Claimant
If Respondent or counsel wishes to contact Claimant, please call or write:
Paralegal Department
W olpolY & Abramson, L.L.P.
Two lrvington Centre
702 King Farm Blvd., 5th ~1oor
Rockville, MD 20850
1.800.830.2793
NAFCLM;NAF3
18A
3472
SUMMARY OF ACCOUNT INFORMATION
ACCOUNT STATUS REPORT
Date Filed: 09/24/2004
Account Number: 4264290997760822
Cardmember Agreemeut: NEXT90
Primary Account Holder: STEPHEN D HALDERMAN
Address:
7073 Carlisle Pike Trlr 145
Carlisle, PA 17013-9764
Home Phone:
Work Phone:
Social Security Number: 196543939
Secondary Account Holder:
Address:
Home Phone:
Work Phone:
Principal Balance: $18608.19
Interest Rate: 6%
Date Assigned: 07/22/2003
INFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF 11!E DATE HLED
18A
NAFCIA/NAl'3
34.73
NOTICE OF ARBITRATION
Dear Respondent,
AN ARBITRATION CLAIM HAS BEEN FILED AGAINST YOU,
Enclosed and served upon you is the Initial Claim. You may obtain a copy of the Code of Pr
without cost, from thc Claimant or from the Forum at WWW.ARBITRATION-FORUM.CO
800/474-2371.
ccdure,
or
IF YOU DO NOT SERVE THE CLAIMANT AND FILE WITH THE FORUM A WRITTE
RESPONSE, AN AWARD MAY BE ENTERED AGAINST YOU. AN ARBITRATION A
MAY BE ENFORCED IN COURT AS A CIVIL JUDGMENT.
ARD
YOU HAVE THIRTY (30) DAYS TO RESPOND FROM RECEIPT OF SERVICE.
You have a number of options at this timc. You may:
1. Submit a written Response to the Claim, stating your reply and defenses to the Claim, to cther
with documents supporting your position. Your Response must bc served on the Claima t and
filcd with the Forum. Read Forum Code of Procedure Rule 13. A Counter Claim, Cross claim
or Third Party Claim may also be served and filed, and accompanied by the fee as provid din
the Fce Schcdule. Forms for such Response and Claims may be obtained from the Foru If
you fail to rcspond in writing to the Claim, an Award may be cntered against you and in f vor
of the Claimant and you will lose your case.
2. Demand a Document Hearing or a Participatory Hearing. You may requcst a Hearing in our
Response or in a separate writing. Unless you have agreed otherwise, an In-person
Participatory Hearing will be held in the Judicial District where you reside or do business. You
may also request a hearing on-line or by telephone. Your written Request for a Hearing m st
be filed with the Forum. You must also serve a copy of your Request on the Claimant and ny
other Partics. Read Forum Code of Procedure Rules 25 and 26,
3, Have other options. You may seek the advice of an attorney or any pcrson who may assist ou
regarding this arbitration. You should seek this advice promptly so that your Response can e
served and filed within the time requircd by the Code of Procedure. If you have any questi ns
or need help in responding, you may contact the Forum.
The Forum is an independent and impartial arbitration organization, which does not give legal advi c
or represent parties. THIS SUMMARY IS NOT A SUBSTITUTE FOR READING AND
UNDERSTANDING THE CODE OF PROCEDURE WHICH GOVERNS THIS ARBITRATION.
The Forum
P,O. Box 5019]
Minneapolis USA 55405-0191
(65]) 631-1105 (800) 474-2371
info@arb-forum.com
ARBITRATION-FORUM. COM
l8A
NAFCLS/NAF3
EXHIBIT "D"
RETURN OF SERVICE
State of
County of
Court
Case Number: FA0409000335138
Plaintiff:
MBNAlVISA
vs.
Defendant:
STEPHEN D HALDERMAN
For:
WOLPOFF & ABRAMSON L.L.P, MD
Two Irvington Centre
702 King Farm Blvd.
Rockville, MD 20850-5775
Received by STOKES & LEVIN, LLP to be served on STEPHEN 0 HALDERMAN, 7073 ARLlSLE
PIKE TRLR 145, CARLISLE PA 17013.9764.
I, Deon Davison, do hereby affirm that on the 19th day of October, 2004 at 9:53 pm, I:
Substitute Served by leaving a true copy of this ARBITRATION CLAIM with the date an hour of
service endorsed thereon by me, at the within named person's usual place of abode, to a erson
residing therein who is 18 years of age or older to wit: left with adult in charge of defendan
residence and informing said person of the contents thereof.
Military Status: Based upon inquiry of party served, Defendant is not in the military servic of the
United States of America.
I certify that 1 am over the age of 18 and have no interest in the above action.
g~L~
-
Oeon Davison
Process Servers/Constable
STOKES & lEVIN, lLP
27 Glen Street
Suite 9 B
Stoughton, MA 02072
(781) 341-8390
Our Job Serial Number: 2004004722
Ref: 112087241
Service Fee: $50.00
Copyright e 1992-2001 Palabase Sef'Vices, Inc. . Process Serwr's Toolbox V5.5f
EXHIBIT "E"
III
NATIONAL
ARBITRATION
FORUM@
D cember 13, 2004
Stephen D Halderman
7073 Carlisle Pike Trlr 145
CARLISLE, PA 170139764
MBNA America Bank, N.A.
c/o Wolpoff & Abramson, L.L.P.
Ronald M. Abramson, Esq.
Attorneys in the Practice of Debt Collection
702 King Farm Blvd.
Two lrvington Centre
Rockville, MD 20850-5775
RE: MBNA America Bank, NA. v Stephen D Halderman
File Number: FA0409000335138
Claimant Reference Number: 0112087241
Dear Parties:
Enclosed and served upon you by United States Mail is a copy of the Award, whi h has been
entered in this matter,
This case is now closed with the National Arbitration Forum. All future inquiries r
case should be directed to the opposing Party.
ding this
Sincerely,
>>~
Laura Johnson
Case Coordinator
Enclosure
The Forum PO. Sol'; 50191 Minneapolis uSA 55405-0191 wwwarb{{(alio/'l-foromcom 877.655.7755 651.631.3700 FAX651,631.0802
III
NATIONAL
ARBITRATION
FORUM ~
MBNA America Bank, N.A.
c/D Wolpoff & AbramsDn, L.L.P,
Attorneys in the Practice DfDebt CDllection
702 King Farm Blvd, Twolrvington Centre
Rockville, MD 20850-5775
CLAlMANT(s),
AWARD
RE: MBNA America Bank, N.A. v Stephen D Halderman
File Number: F A0409000335138
Claimant File Number: 4264290997760822
Stephen D Halderman
7073 Carlisle Pike Trlr 145
CARLISLE, PA 170139764
RESPONDENT(s).
The undersigned Arbitrator in this casc FINDS:
1, That no known cDnflict of interest exists.
2. That Dn or befDre 09/24/2004 the Parties entered into an agreement providing that this matter sha 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 accordanc 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 Df an Award as stated.
Therefore, tbe Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount 01'$23,123.99.
Entered in the State of Pennsylvania
~W,r
Mark A. Welge, sq. '
Arbitrator
ACKNOWLEDGEMENT AND CERT 1CATE
OF SERVICE
This Award was duly ~en:d.and the Fo hereby
certifies that a ~ ~.hi'l~lm:!. was by first
class mail post'lie PJePaid to ~P~ies at e above
referenced adilre," HI)' re~, tali es, on
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RECEIVED APR 1 9 200y
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.,
Plaintiff
NO. 0 S- -I C{t.-b /-:) C<=-'---
L tu; /~
vs.
CIVIL ACTION - LAW
STEPHEN D HALDERMAN
Defendant
RULE
AND NOW, this "Z-\ day of
,2005, upon the consideration
of the foregoing Petition to Confirm Arbitration Award, it is ORDERED that the parties to this
action show cause, if any they have, why this Motion should not be granted.
RULE RETURNABLE 40 days from the date of service hereof.
Judge
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MBNA AMERICA BANK, N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. OS - ,qt,.j.. C2;(..,:tr~
vs.
CIVIL ACTION - LAW
STEPHEN D HALDERMAN
Defendant
MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S
PETITION TO CONFIRM ARBITRATION AWARD
AND NOW, TO WIT, this;3L day of )JJ IJ/?/!JJ
, 2005, comes the Plaintiff,
MBNA America, N .A., by and through its attorneys and the law firm of Wolpoff & Abramson,
LLP, and files the following Memorandum of Law in Support of Petition to Confirm Arbitration
Award, and in support thereof avers as follows:
I. STATEMENT OF FACTS:
Defendant, STEPHEN D HALDERMAN, was issued an open end credit card account
with the account number of 4264290361818354 by Plaintiff. Defendant has been at all relevant
times material hereto a regular user of said charge card for the purchase of products, goods
and/or for obtaining services. Defendant has been provided with copies of the Statements of
Account accurately showing all debits and credits for transactions on the aforementioned credit
card account, and Defendant did not object to the above mentioned Statements of Account
submitted by Plaintiff to Defendant.
Pursuant to page 9 of the Credit Card Agreement, the parties agreed that this matter
would be referred to the National Arbitration Forum in the event of any claim and/or dispute if
the account is referred for collection. This matter was referred to the National Arbitration Forum
(hereinafter NAF) for determination and disposition, an Arbitration Award was entered by the
NAF on or about December 13, 2004 against the Defendant and in favor of the Plaintiff in the
amount of Twenty Three Thousand One Hundred Twenty Three and 99/100 ($23,123.99)
Dollars.
11. ISSUE PRESENTED:
Whether this Honorable Court should confirm the Arbitration Award, entered by the
National Arbitration Forum on or about December 13, 2004, against the Defendant and in favor
of the Plaintiff in the amount of Twenty Three Thousand One Hundred Twenty Three and
99/100 ($23,123.99) Dollars, pursuant to 42 Pa.C.S.A. ~7313 of the Uniform Arbitration Act.
111. ARGUMENT:
The Federal Uniform Arbitration Act was drafted by the National Conference of
Commissioners on Uniform State Laws and was approved for use by the American Bar
Association in 1955. Pennsylvania has codified the Uniform Arbitration Act ( hereinafter UAA);
42 Pa.C.S.A. ~~7301-7320 in 1982. The purpose of the UAA is to promote resolution of
disputes in a nonjudicial forum while still providing for the Court's role in compelling or staying
Arbitration proceedings when requested. Chester Upland School Dist. v. McLaughlin, 655 A.2d
621, (Pa. Cmwlth. 1995), appeal granted 665 A.2d 471, 542 Pa. 637, affirmed 675 A.2d 1211,
544 Pa. 199.
A written agreement to subject any existing controversy to arbitration or a
provision in a written agreement to submit to arbitration any controversy thereafter
arising between the parties is valid, enforceable and irrevocable, save upon such
grounds as exist in law or in equity relating to the validity, enforceability or revocation of
any contract. 42 Pa.C.S.A. ~7303. The account issued to Defendant by Plaintiff was
governed by the aforementioned cardmember agreement, and said agreement
contained an Arbitration clause. By virtue of Defendant's use and maintenance of said
account, Defendant became bound by all terms of said account, including the Arbitration
Section. The Federal Arbitration Act, which governs the aforementioned Arbitration
proceeding by the NAF, does not require that an agreement to arbitrate be signed. See
9 U.S.C., Section 2; see also Bouriez v. Carne!!ie Mellon, 359 F.3d 292 (stating that
parties may be compelled to arbitrate if common law principles of agency and contract
support such an obligation and that a person may be equitably estopped from
challenging an agreement that includes an arbitration clause when that person
embraces the agreement and directly benefits from it). By way of further response,
where the offeree silently takes offered benefits, courts will often find an acceptance.
Further, this is especially true if prior dealings between the parties, or trade practices
known to both, create a commercially reasonable expectation by the offeror that silence
represents an acceptance, and in such a case, the offeree is under a duty to notify the
offeror if she does not intend to accept. A written agreement to subject any existing controversy
to arbitration or a provision in a written agreement to submit to arbitration any controversy
thereafter arising between the parties is valid, enforceable and irrevocable, save upon such
grounds as exist in law or in equity relating to the validity, enforceability or revocation of any
contract. 42 Pa.C.S.A. ~7303.
As outlined in Plaintiffs Petition, pursuant to the Credit Card Agreement Additional
Terms and Conditions, which Defendant/Respondent received during the time period in which
Plaintiff/Petitioner issued Defendant/Respondent an open end credit card account, and in which
Defendant utilized said credit card account, the parties agreed that this matter be referred to the
National Arbitration Forum for Arbitration in the event of any claim and/or dispute if the account
is referred to collection. In early 1999, Plaintiff/Petitioner forwarded to Defendant/ Respondent
a document titled, "Important Amendments To Your Credit Card Agreement", and said
document again provided Defendant/Respondent with details of the Arbitration clause,
pertaining to Defendant! Respondent's open end credit care account, in the event of any claim
and/or dispute if said account is referred to collection, and further afforded
Defendant/Respondent until January 25, 2000, to notify Plaintiff/Petitioner by written
correspondence that Defendant/Respondent did not wish for Defendant! Respondent's account to
be subject to said Arbitration Section. Defendant/Respondent did not forward any written
correspondence to Plaintiff/ Petitioner by January 25, 2000, in order to opt out of the Arbitration
process, and therefore PlaintifflPetitioner properly referred this matter to the National Arbitration
Forum pursuant to the Arbitration Section of Defendant! Respondent's open end credit card
account, when Defendant/Respondent defaulted under the terms of the aforementioned open end
credit card Agreement. Therefore, the agreement to arbitrate, pursuant to this matter, is valid,
enforceable and was chose to be irrevocable by Defendant/Respondent.
On an application of a party, the Court shall confirm an award, unless within the time
limits imposed by this subchapter, grounds are urged for vacating or modifying or correcting the
award, in which case the Court shall proceed as provided in section 7314 (relating to vacating
award by Court) or section 7315 (relating to modification or correction of award by Court. 42
Pa.C.S.A. ~7313. The meaning of this section is that the Court is to confirm an Arbitration
award if it has become final, i.e., unless, within a thirty (30) day appeal period, someone has
presented the Court with grounds for setting the award aside. Atlantic Richfield Co. v. Atlantic
Indeoendent Union, E.D.Pa. 1982, 537 F. Supp. 371. Further, the fact that the relief awarded by
the arbitrators was such that it could not or would not be granted by a Court of law or equity is
not a ground for vacating or refusing to confirm the award. 42 Pa.C.S.A. !i7314(a)(2).
An application under 42 Pa.C.S.A. !i7314, pertaining to vacating an Arbitration award by
the Court, shall be made within thirty (30) days after delivery of a copy of the award to the
applicant, except that, if predicated upon corruption, fraud, misconduct or other improper means,
it shall be made within thirty (30) days after such grounds are known or should have been known
to the applicant. 42 Pa.C.S.A. ~7314(b). No such relief has been requested by Defendant
within the applicable time limits in this matter.
Except as otherwise prescribed by general rules, 42 Pa.C.S.A. 7319(2) states that the
application to a Court under this subchapter shall be made to the Court in the county where the
adverse party resides. . .. 42 Pa.C.S.A. 7319(2). Upon the granting of an Order of Court
confirming, modifying or correcting an award, a judgment or decree shall be entered in
conformity with the Order, and the judgment or decree may be enforced as any other judgment
or decree. 42 Pa.C.S.A. !i7316.
IV. CONCLUSION
For the foregoing reasons, Plaintiff respectfully requests that this Honorable Court grant
the relief requested in Plaintiffs Petition to Confirm Arbitration Award.
Respectfully submitted,
~11
Amy F. D
Daniel F. olfson, Esquire
Philip C. Warholic, Esquire
Donald P. Shiffer, 1lI, Esquire
Wolpoff & Abramson, LLP
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
(717) 846-1252
Counsel for Plaintiff
#87062
#20617
#86341
#89451
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.,
Plaintiff
NO. 051966
vs.
CIVIL ACTION --- LAW
STEPHEN D HALDERMAN
Defendant
CERTIFICATE OF SERVICE
The undersigned, does hereby certify that I served a copy of the Petition to Confirm
Arbitration Award and Memorandum of Law upon the Defendant by First Class Mail, Postage
Pre-Paid, and by Certified Mail, a copy thereof on this 27th day of April, 2005.
STEPHEN D HALDERMAN
7073 CARLISLE PIKE TRLR 145
CARLISLE, PA 17013
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Amy F. oyle qUIre
Daniel F. Wo son, Esquire
Philip C. Warholic, Esquire
Donald P. Shiffer, III, Esquire
Wolpoff & Abramson, LLP
Attorneys in the Practice of Debt Collection
267 East Market Street
York, PA 17403
(717) 846-1252
Counsel for Plaintiff
#87062
#20617
#86341
#8945]
Postage $
Certifledltee
I'- ~ Return Receipt ~ee
o (ndarsemertl Requited) ---------
D Restricted Delivery il'ee
D (Endorsement ReqLJired}~___________
D Total Postage & Fees $
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.-=I Street, Apt. No.;
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________________________________n_______________________
PS Form 3800, J~nuary 2001 See Reverse for Instructions
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND
MaNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
MAIL STOP 1411
NO. 051966
WILMINGTON DE
19884~1411
Plaintiff
vs.
STEPHEN D HALDERMAN
Defendant (s)
AFFIDAVIT OF SERVICE
Commonwealth of Pennsylvania
ss.
County of York
COUNTY, PENNSYLVANIA
AND NOW, TO WIT, comes the undersigned, who being duly swo.::n according
to law, deposes and says that they are counsel for the Plaintiff 10 the
above captioned action; that on 04/27/05, they caused a true copy of the
PefIT,u>1 in the above captioned action to be sent by certified mail return
~eceipt requested to Defendant(s) at their last known address, and that said
copy was received by the Defendant(s) as indicated by the return receipt
card attached hereto dated 04/27/05, and bearing the personal signature of
the Defendant
___nJt~'~ _l>-L=~--__-----
Amy F. Doyl ~-
Daniel F. olfsoo #20611
#18837
#85341
1/94266
#94000
1/89451
#87737
L.L.P. / Counsel for Plain
Dated. -~n-jK72_~5
Bruce H. Cherkis
Philip c. war-holie
COMMONWEALTH OF PENNSYLVANIA Ronald M. Abramson
Notarial Seal Ronald S Canter
Dina A. Sweitzer, Not(?c Public Donald P. Shiffer
City of York, York OU~~ Andrew c. Spears
My Commission E.pi.... Apr. I , 2008 WOLPOFF & ABRAMSON,
Attorneys ~n the
267 East Market
(117) 846-1252
SWORN and SUBSCRIBED to
before me this -L1?-- day
fY\ ,2~
JJ:jr~:6Ev~{~i. ~
Notary Public
PAAFCMjPAMISC
W&A FILE NO. 112087241
Practice
of Debt Collection
St York,
PA 17403
-
.
Complete items 1, 2, and 3. Also complete
item 4 if Restricted Delivery is desired.
. Print your name and address on the reverse
so that we can return the card to you.
. Attach this card to the back of the mail piece,
or on the front if space permits.
1. Article Addressed to:
~,,~ \). "A\.l:lfRmAA.l
10"~ ~'5\.f:. 'RjI.f. i~Ut 146
C,AA\,..ISL.e. PA \10 \ '2>
x
D. Is Ivery address different from item 1?
If YES, enter delivery address below:
3. Service Type
rJ Certified Mail
o Registered
o Insured Mail
o Agent
o Addressee
DYes
o No
o Express Mail
o Return Receipt for Merchandise
o C.O.D.
2. Article Number (Copy from service label)
7001 1940 0007 8647 9834
4. Restricted Delivery? (Extra Fee)
DYes
PS Form 3811, July 1999
Domestic Return Receipt
102595-99-M-1789
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
NO. 051966
Ys.
CIVIL ACTION - LAW
STEPHEN D HALDERMAN
Defendant
PRAECIPE TO REINSTATE
To the Prothonotary:
Kindly reinstate the Petition to Confirm Foreign Arbitration Award in the above-
referenced matter.
Amy F. Doyl, squir
Daniel F. W lfson, Esquire
Philip C. Warholic, Esquire
Donald P. Shiffer, III, Esquire
Andrew C. Spears, Esquire
WOLPOFF & ABRAMSON, LLP
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3'd Floor
Camp Hill, PA 17011
(717) 303-6700
ID No. 87062
ID No. 20617
ID No. 86341
ID No. 89451
ID No. 87737
Date:
W&A File No. 112087241
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-01966 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK NA
VS
HALDERMAN STEPHEN D
WILLIAM CLINE
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within RULE AND PETITION
was served upon
HALDERMAN STEPHEN D
the
DEFENDANT
, at 1451:00 HOURS, on the 10th day of October
2005
at 7073 CARLISLE PIKE
TRLR 145
CARLISLE, PA 17013
by handing to
STEPHEN D HALDERMAN
a true and attested copy of RULE AND PETITION
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Postage
Surcharge
So Answers:
18.00
5.76
.37
10.00
.00
34.13
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i. ~~...or~
R. Thomas Kline
10/11/2005
WOLPOFF & ABRAMSON
Sworn and Subscribed to before
By:
a~ V7 -
v Deputy Sheriff
me this
day of
A.D.
'./
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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. 051966
Plaintiff
vs.
STEPHEN 0 HALDERMAN
7073 CARLISLE PIKE
Carlisle PA 17013-9777
Defendant(s)
PRAECIPE TO DISMISS
PLEASE MARK THE ABOVE~ENTITLED CASE AS DISMISSED WITHOUT PREJUDICE.
Respectfully submitted,
By:
r--_I~ ~ ______________________________
Amy F. DOY~~-\w(~62 I Daniel F. Wolfson #20617
Philip C. Warholic #86341 I _!I -r' :.. #87737
David R. Galloway #87326 I Tonilyn M. Chippie #87852
Ronald M. Abramson #94266 / Ronald S. Canter #94000
Bruce H. Cherkis #18837
WOLPOFF & ABRAMSON, L.L.P. I Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Road, 3rd Floor, Camp Hill, PA 17011
(717) 303-6700
cc: SARAH MCCARROLL
2040 LINGLESTOWN ROAD
SUITE 203
HARRISBURG, PA 17110
PALN4!PALN4
W&A FILE NO. 112087241
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CERTIFICATE OF SERVICE
I, Tina Mozingo, 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, P A, first class mail, postage prepaid, addressed
as follows:
SARAH MCCARROLL
2040 LINGLESTOWN ROAD
SUITE 203
HARRISBURG, PA 17110
WOLPOFF & ABRAMSON, LLP
C\ C0U' '
By . l'~')l ;Ql. I r~O
4660 Trindle Rd" 3'd Fl.
Camp Hill, PA 17011
(717) 303-6700
Dated: November 15, 2005
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