HomeMy WebLinkAbout05-5062IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff NO. OS - ,! QN6
vs.
CIVIL ACTION - LAW
?GU L?, y
MICHELLE R. SPENCER
Defendant
PLAINTIFF'S PETITION TO CONFIRM
ARBITRATION AWARD PURSUANT TO 42 Pa.C.S.A. §7313
AND NOW, TO WIT, comes the Petitioner/Plaintiff, MBNA AMERICA BANK, N.A.,
by and through its attorneys and the law firm of Wolpoff & Abramson, LLP, and files the
following Petition to Confirm Arbitration Award, and in support avers as follows:
1. Petitioner/Plaintiff, MBNA AMERICA BANK, N.A. is a Delaware corporation
doing business within the Commonwealth of Pennsylvania, and the other states of the United
States, with its principal place of business situated at 655 PAPER MILL ROAD, MAILSTOP
14111, WILMINGTON, DE 19884.
2. Respondent/Defendant, MICHELLE R. SPENCER, is an adult individual with a
last known address of 408 W. MAIN STREET, CUMBERLAND COUNTY, WALNUT
BOTTOM, PA 17266.
3. Pursuant to the credit card agreement Defendant received when Plaintiff issued
Defendant an open end credit card account, which Defendant assented to by virtue of his/her use
of the account, the parties agreed that, in the event of any claim and/or dispute surrounding this
account arose which required collection efforts, any matters would be referred to the National
Arbitration Forum (NAF). A true and correct copy of this Credit Card Agreement Additional
Terms and Conditions is attached hereto, incorporated herein and marked as Exhibit "A".
4. Defendant subsequently defaulted on the terms of the aforementioned credit card
agreement by failing to pay Plaintiff as required pursuant to the terms the agreement.
11. Since the above referenced Arbitration Award is non-binding and unenforceable
against Pennsylvania residents without confirmation of any such Award by a Pennsylvania
Court, Plaintiff has filed the instant Petition, pursuant to the Uniform Arbitration Act, in order to
obtain judgment against Defendant in a Pennsylvania Court, which will better enable Plaintiff to
secure a collectible judgment against Defendant.
12. Plaintiff is entitled to the relief requested in the instant Petition given That: (a)
the aforementioned Arbitration Award was properly obtained by Plaintiff; (b) this Honorable
Court has jurisdiction over the Defendant to confirm the aforementioned Arbitration Award; and
(c) because Defendant did not make an application, pursuant to 42 Pa.C.S.A. §7314, within thirty
(30) days of receipt of the aforementioned Arbitration Award, with the Court to have said
Arbitration Award vacated, modified and/or corrected.
WHEREFORE, Plaintiff/Petitioner respectfully requests that this Honorable Court
confirm the Plaintiff's Arbitration Award, pursuant to 42 Pa.C.S. §7313, and enter judgment in
favor of Plaintiff and against Defendant(s) in the amount of Eight Thousand Five Hundred Four
Dollars and Fifty Cents ($8,504.50).
Respectfully submitted,
rl"
Amy F. Doyle
Daniel F. Wolfson
Bruce H. Cherkis
Philip C. Warholic
Donald P. Shiffer, III
#87062
#20617
#18837
#86341
#89451
Andrew C. Spears #87737
Ronald M. Abramson #94266
Ronald S. Canter #94000
Wolpoff & Abramson, LLP/Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3rd Fl., Camp Hill, PA 17011
(717) 303-6700
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EXHIBIT "B"
IN THE
4471 NATIONAL ARBITRATION FORUM
CLAIM
MBNA America Bank, N.A.
c%o Wolpoff & Abramson, L.L.P. RE:
Attorneys in the Practice of Debt Collection Forum File Number: FA0401000226783
Two Irvington Centre Claimant File Number: 0111433971
702 King Farm Blvd. Account No.: 4264298926036933
Rockville, MD 20850 Card member Agreement Type: NEA90
CLAIMANT,
Michelle R Spencer
117 E Main Street
Newburg PA 17240-0216
RESPONDENT(S),
For a Claim against Respondent(s), Claimant states:
1. By way of contract and use of the credit account at issue, Respondent(s) became bound by the terms of a credit agreement
(hereinafter the "Agreement"), which is attached hereto and incorporated herein by reference.
2. Respondent(s) is/are in default under the terms of the Agreement and is/are now indebted to Claimant in the amount of
$7154.56 , as reflected in the attached account summary, plus interest of $116.43 as of the date of filing, and at
6.00% thereafter.
3. Despite repeated demands for payment, Respondent(s) has/have not paid the amounts due.
4. Claimant requests an Award for the amounts reflected in Paragraph 2, plus all arbitration fees incurred, Process of Service
fees and Attorney Fees of $1073.18 , if allowed by law, equaling 15% of the outstanding principal balance.
5. The attached Agreement contains a Delaware choice of law provision and a provision for "reasonable" attorney fees.
Delaware law specifically provides that an attorney fee may be awarded in an amount up to 20%n on an unpaid claim if
allowed by law. See, 10 Del. Code Sec. 3912 (Pleading & Practice).
6. The attached Agreement contains a mandatory arbitration provision under the Rules of the National Arbitration Forum
("NAF").
The undersigned counsel for Claimant asserts, under penalty of perjury, that the information contained in this Claim and
the supporting documents attached hereto are accurate based upon information provided by Claimant to the undersigned counsel.
WOLPOFF & ABRAMSON, L.L.P.
Attorneys in the Practice of Debt Collection
Y
Bruce H. Cherkis, Esq.
ADMITTED: (MD, DC, PA)
Counsel for the Claimant
If Respondent or counsel wishes to contact Claimant, please call or write:
Paralegal Department
Wolpoff & Abramson, L.L.P.
Two Irvington Centre
702 King Farm Blvd., 5th Floor
Rockville, MD 20850
1-800-830-2793
NAFCLM/NAF3 50A
4472
SUMMARY OF ACCOUNT INFORMATION
ACCOUNT STATUS REPORT
Date Filed: 01/16/2004
Account Number: 4264298926036933
Cardmemeber Agreement: NEA90
Primary Account Holder: MICHELLE R SPENCER
Address: 117 E Main Street
Newburg, PA 17240-0216
Home Phone:
Work Phone:
Social Security Number: 265591421
Secondary Account Holder:
Address:
Home Phone:
Work Phone:
Principal Balance: $7154.56
Interest Rate: 6%
Date Assigned: 06/27/2003
INFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF THE DATE FILED
50A
NAFCL4/NAF3
4473
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 Procedure,
without cost, from the Claimant or from the Forum at WWW.ARBITRATION-FORUM.COM or
800/474-2371.
IF YOU DO NOT SERVE THE CLAIMANT AND FILE WITH THE FORUM A WRITTEN
RESPONSE, AN AWARD MAY BE ENTERED AGAINST YOU. AN ARBITRATION AWARD
MAY BE ENFORCED IN COURT AS A CIVIL JUDGMENT.
YOU HAVE THIRTY (30) DAYS TO RESPOND FROM RECEIPT OF SERVICE.
You have a number of options at this time. You may:
Submit a written Response to the Claim, stating your reply and defenses to the Claim, together
with documents supporting your position. Your Response must be served on the Claimant and
filed 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 provided in
the Fee Schedule. Forms for such Response and Claims may be obtained from the Forum. If
you fail to respond in writing to the Claim, an Award may be entered against you and in favor
of the Claimant and you will lose your case.
2. Demand a Document Hearing or a Participatory Hearing. You may request a Hearing in your
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 must
be filed with the Forum. You must also serve a copy of your Request on the Claimant and any
other Parties. Read Forum Code of Procedure Rules 25 and 26.
3. Have other options. You may seek the advice of an attorney or any person who may assist you
regarding this arbitration. You should seek this advice promptly so that your Response can be
served and filed within the time required by the Code of Procedure. If you have any questions
or need help in responding, you may contact the Forum.
The Forum is an independent and impartial arbitration organization, which does not give legal advice
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 50191
Minneapolis USA 55405-0191
(651) 631-1105 (800) 474-2371
info@arb-forum.com
ARBITRATI ON-FORUM. COM
50A
NAFCLS/NAF3
V., rf
--------------- -------- ---------- --------- ----------- ---------------------------------------
JAIRBILL NUMBER I DATE CHARGES IPU RTE/DBJ DECLD.VAL.1 DHL EXPRESS (USA) INC.
--------------- -------- ---------- --------- ------------ 1200 S PINE ISLAND ROAD
RKV PLANTATION, FL
02/02/04 PREPAID SD 815 I WWW DHL-UUSA.COM 33324
--------------- -------- ---------- --------- ----------- 1 800 CALL-DHL
SHIPPER-AND-CONSIGNEE
----------------------------------------------------------------------------
-- -- -- --- ----- -- - -
IS WOLPOFF & ABRAMSON 2 IRVINGTON CENTRE 3-131595172
H 702 KING FARM BLVD ROCKVILLE MD 20850
- ------------------------------------------------------------------------------------------------
ISENT-BY--NONE
- ---------------------------------------------------------------------------------------------
CMICHELLE R SPENCER 0-
0 117 E MAIN STREET NEWBURG PA 17240
- ------------------------------------------------------------------------------------------------
IATTN 7174235839
--------------------------------------------------------------------------------------------------
IBILLTO X D37 ENTRY STATION: RKV
----------------------------------- OPERATOR ID: /LD
131595172 RY6 FACSIMILE
WOLPOFF & ABRAMSON RKV 940 3300019
2 IRVINGTON CENTRE AIR WAYBILL
702 KING FARM BLVD
ROCKVILLE MD 20850
-----------------------------------
IREF-111433971-0050A
----- ---------------------------------------------- ------ -------- ----------
INO.PCSIDESCRIPTION-OF-CONTENTS I SRVC WEIGHT SCL/CMM
------ ----------- -- -------------------------------- ------ -------- ----------
1 SDS 1 83009 Z2
IR 1 S 0
------ ----------------------------------------------- ------ -------- ---------- ----------------
A .......... REWEIGHED-AS ..... 1
----------------------------------------------------------------------------------
THANK-YOU-FOR-CHOOSINGDHL
------ --------- --------- --------------
RECEIVED BY TTIME STA
MDT
X LD M SPENCER RC 02335006 402 1 CTL-MDT 02/04104 09:35 MDT
--------------------------------------------------------------- --------- --------- -------------
EXHIBIT "D"
III
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 Blvd, Two Irvington Centre
Rockville, MD 20850-5775
CLAIMANT(s), AWARD
RE: MBNA America Bank, N.A. v Michelle R Spencer
File Number: FA0401000226783
Claimant File Number: 4264298926036933
Michelle R Spencer
117 E Main Street
NEWBURG, PA 172400216
RESPONDENT(s).
The undersigned Arbitrator in this case FINDS:
i . That no known conflict of interest exists.
2. That on or before 01/15/2004 the Parties entered into an agreement providing that this matter shall be
resolved through binding arbitration in accordance with the Forum Code of Procedure.
3. That the Claimant has filed a claim with the Forum and served it on the Respondent in accordance with Rule
4. That the matter has proceeded in accord with the applicable Forum Code of Procedure.
5. The Parties have had the opportunity to present all evidence and information to the Arbitrator.
6. That the Arbitrator has reviewed all evidence and information submitted in this case.
7. That the information and evidence submitted supports the issuance of an Award as stated.
Therefore, the Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount of $8,504.50.
Entered in the State of Pennsylvania
Jo Ad am ar Jr.
Date: 04/05/2004
ACKNOWLEDGEMENT AND CERTIFICATE
OF SERVICE
This Award was duly entered and the Forum hereby
certifies that a copy of this Award was sent by first
class mail postage prepaid to the parties at the above
referenced addresses on this date.
Honorable Harold Kalina, Ret.
Director of Arbitration
04/05/2004
C I)
tai
O
-n
r,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff NO.
vs. CIVIL ACTION - LAW
MICHELLE R. SPENCER
Defendant
MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S
PETITION TO CONFIRM ARBITRATION AWARD
AND NOW, TO WIT, comes the Petitioner/Plaintiff, MBNA AMERICA BANK,
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:
1. STATEMENT OF FACTS:
Defendant(s), MICHELLE R. SPENCER, was/were issued an open end credit card
account by Plaintiff. Defendant(s) has/have been at all relevant times material hereto a regular
user(s) of this credit card for the purchase of products, goods and/or for obtaining services.
Defendant(s) has/have been provided with copies of the Statements of Account accurately
showing all debits and credits for transactions on the this credit card account; Defendant(s) never
objected to the above mentioned Statements of Account submitted by Plaintiff to Defendant(s)
which detailed the products and services purchased using this account.
In the event of a breach for nonpayment, pursuant to page 9 of the Credit Card
Agreement, the parties agreed that this matter would be referred to the National Arbitration
Forum (hereinafter NAF) to effectuate collection. This matter was referred to the NAF for
determination and disposition; the NAF entered an Arbitration Award against the Defendant(s) in
favor of the Plaintiff in the amount of Eight Thousand Five Hundred Four Dollars and Fifty
Cents ($8,504.50).
II. ISSUE PRESENTED:
Whether, pursuant to 42 Pa.C.S. §7313 of the Uniform Arbitration Act, should this
Honorable Court confirm the Arbitration Award entered by the (NAF) against the Defendant(s)
and in favor of the Plaintiff.
III. ARGUMENT:
Contracts containing clauses providing for settlement of disputes arising thereunder by
arbitration are valid, and irrevocable except on such grounds as exist at law or in equity for the
revocation of any contract. General State Authority, to Use of Dunzik, v. John McShain, Inc., 25
A.2d 572, 573 (Pa. Super. 1942); 42 Pa.C.S.A. §7303. When parties agree to arbitration in a
clear and unmistakable manner, Courts make every reasonable effort to favor such agreements.
Emmaus Municipal Authority v. Eltz, 204 A.2d 926, 927 (Pa. 1964).
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 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. McLau hlin, 655 A.2d 621, (Pa.
Cmwlth. 1995), appeal granted 665 A.2d 471, 542 Pa. 637, affirmed 675 A.2d 1211.
Further, while a party can waive their right to arbitration, the question of the timeliness of
a demand for arbitration is not one of interpretation of the agreement and not one of the existence
of scope of the arbitration provision; it is thus outside the bounds of judicial review and its
resolution must be left to arbitration. Highmark Inc. v. Hospital Service Association of
Northeastern Pennsylvania, 785 A.2d 93 (Pa. Super.2001), reargument denied, appeal denied,
797 A.2d 914. Here, the account issued to Defendant by Plaintiff was governed by the
Pursuant to 42 Pa.C.S.A. §7314, pertaining to vacating an Arbitration award by the
Court, a motion to vacate 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) provides 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. §7316. On an application of a party, the Court shall confirm an award,
unless within the time limits imposed under section 7313, grounds are urged for vacating,
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 Independent Union, 537 F. Supp. 371.( E.D.Pa. 1982). 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. §7314(a)(2); Racicot v. Erie Ins. Exchange, 837 A.2d 496, 500 (Pa. Super. 2003).
MAIN OFFICE
TWO IRVINGTON CENTRE
702 KING FARM BLVD, ROCKVILLE, MD 20850
10605 JUDICIAL DR., BLDG. A5, FAIRFAX, VA 22030
1108 E. MAIN ST- STE. 1003, RICHMOND, VA 23216
5122 GREENWICH RD., VIRGINIA BEACH, VA 23462
919 N. MARKET ST., STE. 1300, WILMINGTON, DE 19899
1 VALLEY BANK BLDG., BOX 1226,CIARCSBIAG WV 26302
2625 TOWNSGATE RD., 6330, WESTLAKE VILLAGE, CA 91361
4880 TRINDLE ROAD, 3RD FLOOR, CAMP HILL, PA 17011
39500 HIGH POINTE BLVD., STE. 250, NOVI, MI 48375-5505
300 CANAL VIEW BLVD., ROCHESTER, NY 14623
758 NORTH CARROLL AVE., SOUTHLAKE, TX 76092-6413
180 GLASTONBURY BLVD.. GLASTONBURY, CT 06033.4439
NATIONAL COL C O R 1f TWO
BIRMINGHAM, ALABAMA PHOENIX, ARIZONA
ANCHORAGE, ALASKA CABOT, ARKANSAS
LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
Attorneys in the Practice of Debt Colection
(A National Collection Attorney Network Finn)
4660 TRINDLE ROAD
3RD FLOOR
CAMP HILL, PA 17011
717-303-6700
OUTSIDE THE CAMP HILL LOCAL AREA
(TOLL FREE)
1-800.758-0675
FACSIMILE 717-737-9051
PLEASE DIRECT ALL INQUIRIES TO THE CAMP HILL OFFICE
ATTN: Prothonotary/Court Administration
RE: Petition to Confirm Arbitration Award
Dear Clerk:
NATIONAL COLLECTION ATTO
OFFICES OF WOLPOFF & A BRAMSON
ENGLEWOOD, COLORADO RALEIGH, N
FT. LAUDERDALE, FLORIDA FARGO, NO
NORCROSS, GEORGIA CLEVELANE
HONOLULU, HAWAII OKLAHOMA
BOISE, IDAHO EUGENE, O
CHICAGO, ILLINOIS PROVIDEN(
MERRILLVILLE, INDIANA COLUMBIA,
KANSAS CITY, KANSAS KNOXVILLE.
LEXINGTON, KENTUCKY HOUSTON,'
METAIRIE, LOUISIANA SANDY, LIT)
MINNEAPOLIS, MINNESOTA MILWAUKEI
ST. LOUIS, MISSOURI RAWLINS, V
GREAT FALLS, MONTANA
OMAHA, NEBRASKA
LAS VEGAS, NEVADA
MANCHESTER, NEW HAMPSHIRE - The Nation
CEDAR KNOLLS, NEW JERSEY Attorney Net
or separate 1s
W &A Hours
8 a.m. - 5 p.i
Please be advised that the undersigned represents the interest of the Plaintiff pursuant to this
matter. Kindly note that the Petition to Confirm Arbitration Award and Memorandum of Law
are being served upon the Defendant(s) by the Sheriff's office. Accordingly, our office requests
that your office provides sufficient time in order for service to be effectuated prior to the
scheduling of the hearing date/rule returnable date.
Thank you for your assistance in processing this matter.
Should you have questions, or if you would like to discuss this matter in greater detail, please
contact the Senior Paralegal Department in our office by calling (717) 303-6700.
Sincerely,
Wolpoff & Abramson, L.L.P.
SHERIFF'S RETURN - REGULAR
CASE NO: 2005-05062 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICAN BANK NA
VS
SPENCER MICHELLE R
KENNETH GOSSERT
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within PETITION
SPENCER MICHELLE R
was served upon
the
RESPONDANT , at 2000:00 HOURS, on the 13th day of October , 2005
at 476 THREE SQUARE HOLLOW ROAD
NEWBURG, PA 17240 by handing to
n/fT(''LTUT T V CDT'V(''7V
a true and attested copy of PETITION
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 33.60
Postage .37
Surcharge 10.00
.00
61.97
Sworn and Subscribed to before
me this day of
. D.
ProtKo a y
So Answers:
'!7 a
R. Thomas Kline
10/17/2005
WOLPOFF & A13RAMSON
By: ;
u 'S e iff
V
DEC 0 2005
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA f. ?1
MBNA AMERICA BANK, N.A. n . .??
Plaintiff NO.
vs. CIVIL ACTION - LAW
MICHELLE R. SPENCER
Defendant
eday RULE ?? _ ?,?L,
of T?"""'? , 2005, upon the
AND NOW, this I
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 a D days from the date of service hereof.
BY
Judge
,
?
i.T ..
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICA BANK, N.A.
Plaintiff
vs.
R. SPENCER
Defendant
NO. 05-5062
CIVIL ACTION - LAW
MOTION TO MAKE RULE ABSOLUTE
THE HONORABLE, THE JUDGES OF THE SAID COURT:
NOW, comes the Plaintiff/Movant, by and through its attorneys, and the law firm of Wolpoff
Abramson, L.L.P., and files this Motion to Make Rule Absolute of which the following is a
A Petition to Confirm Arbitration Award Pursuant to 42 Pa.C.S.A. Section
13 was filed in the above captioned action requesting that a Rule be issued ordering the parties
this action to show cause, if any they had, as to why said Petition should not be granted. A true
correct copy of said Petition is attached as Exhibit "A" and incorporated herein by reference as
set forth in full.
Pursuant to the issued Rule, Defendant was provided with twenty (20) days from the date of
of said Rule in which to respond. A true and correct copy of said Rule is attached hereto as
"B" and incorporated herein by reference as if set forth in full.
That said Rule was forwarded by Plaintiff/Movant and received by
as evidenced by the Certificate of Service which was filed with the
That Defendant(s)/Respondent(s) failed to respond to the aforementioned Rule directing
LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
ATTORNEYS IN THE PRACTICE
OF DEBT COLLECTION
6660 TRINOLE ROAD
THIRD FLOOR
GAME WILL, PA 17011
s) to show cause why the relief requested in Petition to Confirm
Award filed by Plaintiff/Movant should not be granted.
717303-6700
WHEREFORE, Plaintiff/Movant requests that this Honorable Court make the
Rule absolute, and execute an Order entering judgment in favor of
and against Defendant(s)/Respondent(s) in the amount of Eight Thousand
Hundred Four Dollars and Fifty Cents ($8,504.50).
Respectfully submitted,
Amy F. Doyl$I#87062
Daniel F. Woffson #20617
Philip C. Warholic #86341
Andrew C. Spears #87737
David R. Galloway #87326
Tonilyn M. Chippie #87852
Ronald M. Abramson #94266
Ronald S. Canter #94000
Bruce H. Cherkis #19837
WOLPOFF & ABRAMSON, LLP
Attorneys in the Practice of De Collection
4660 Trindle Rd., 3`d Floor
Camp Hill, PA 17011
(717) 303-6700
LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
A)TORNEYS IN THE PRACTICE
OF DEB]' COLLECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP HILL, PM7011
717-303-6700
LAW OM CTS
WOLF FF & ARRAMSON, L.L.P
ATTORNEYS IN THE PRACTICE
OR DEBT COLLECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP HILL. PA T7011
717-303-6700
EXHIBIT "A"
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
JL
Plaintiff NO. OS - sL'j? Lit-
vs. c L-??-
CIVIL ACTION - LAW
MICHELLE R. SPENCER
Defendant
PLAINTIFF'S PETITION TO CONFIRM
ARBITRATION AWARD PURSUANT TO 42 Pa.C.S.A. §7313
AND NOW, TO WIT, comes the Petitioner/Plaintiff, MBNA AMERICA BANK, N.A.,
by and through its attorneys and the law firm of Wolpoff & Abramson, LLP, and files the
following Petition to Confirm Arbitration Award, and in support avers as follows:
L Petitioner/Plaintiff, MBNA AMERICA BANK, N.A. is a Delaware corporation
doing business within the Commonwealth of Pennsylvania, and the other states of the United
States, with its principal place of business situated at 655 PAPER MILL ROAD, MAI STOP
14111, WILMINGTON, DE 19884.
2. Respondent/Defendant, MICHELLE R. SPENCER, is an adult individual with a
last known address of 408 W. MAIN STREET, CUMBERLAND COUNTY, WALNUT
BOTTOM, PA 17266.
3. Pursuant to the credit card agreement Defendant received when Plaintiff issued
Defendant an open end credit card account, which Defendant assented to by virtue of his/her use
of the account, the parties agreed that, in the event of any claim and/or dispute surrounding this
account arose which required collection efforts, any matters would be referred to the National
Arbitration Forum (NAF). A true and correct copy of this Credit Card Agreement Additional
Terms and Conditions is attached hereto, incorporated herein and marked as Exhibit "A".
4. Defendant subsequently defaulted on the terms of the aforementioned credit card
agreement by failing to pay Plaintiff as required pursuant to the terms the agreement.
5. In response, pursuant to the terms the credit card agreement, Plaintiff referred this
matter to the NAF for Arbitration; Plaintiff then forwarded Defendant a Notice of Arbitration
and Arbitration Claim form, explaining Defendant's rights and options in accordance with the
Arbitration process. A true and correct copy of both the Notice of Arbitration and Arbitration
Claim form are attached hereto, incorporated herein and marked as Exhibit "B".
6. Both a Notice of Arbitration and Arbitration Claim form were received by
Defendant. A true and correct copy of the proof of service is attached hereto, incorporated
herein and marked as Exhibit "C".
An Arbitration occurred in this matter at which time both parties were provided
with full and fair opportunity to present any evidence and their position in regarding to this
matter.
8. An NAF Arbitration Award was entered in favor of Plaintiff and against
Defendant in the amount of Eight Thousand Five Hundred Four Dollars and Fifty Cents
($8,504.50). A true and correct copy of the Arbitration Award is attached hereto, incorporated
herein and marked as Exhibit "D".
9. In conjunction with the issuance of this Arbitration Award, the Arbitrator in this
matter certified: (a) the parties entered into an agreement providing that this matter was to be
resolved in accordance with the National Arbitration Forum Code of Procedure; (b) Plaintiff
filed a claim with the Forum and served it upon Defendant; (c) the parties had the opportunity to
present all evidence and information to the Arbitrator; (d) the Arbitrator reviewed all evidence
and information submitted; and (e) the information and evidence submitted supported the
issuance of an Award in favor of Plaintiff.
10. The Credit Card Agreement unequivocally states that judgment upon any
arbitration award may be entered in any state or federal Court having jurisdiction.
11. Since the above referenced Arbitration Award is non-binding and unenforceable
against Pennsylvania residents without confirmation of any such Award by a Pennsylvania
Court, Plaintiff has filed the instant Petition, pursuant to the Uniform Arbitration Act, in order to
obtain judgment against Defendant in a Pennsylvania Court, which will better enable Plaintiff to
secure a collectible judgment against Defendant.
12. Plaintiff is entitled to the relief requested in the instant Petition given That: (a)
the aforementioned Arbitration Award was properly obtained by Plaintiff; (b) this Honorable
Court has jurisdiction over the Defendant to confirm the aforementioned Arbitration Award; and
(c) because Defendant did not make an application, pursuant to 42 Pa.C.S.A. §7314, within thirty
(30) days of receipt of the aforementioned Arbitration Award, with the Court to have said
Arbitration Award vacated, modified and/or corrected.
WHEREFORE, Plaintiff/Petitioner respectfully requests that this Honorable Court
confirm the Plaintiff s Arbitration Award, pursuant to 42 Pa.C.S. §7313, and enter judgment in
favor of Plaintiff and against Defendant(s) in the amount of Eight Thousand Five Hundred Four
Dollars and Fifty Cents ($8,504.50).
Respectfully submitted,
Amy F. Doyle #87062
Daniel F. Wolfson #20617
Bruce H. Cherkis #18837
Philip C. Warholic #86341
Donald P. Shiffer, III #89451
Andrew C. Spears #87737
Ronald M. Abramson #94266
Ronald S. Canter #94000
Wolpoff & Abramson, LLP/Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3rd Fl., Camp Hill, PA 17011
(717) 303-6700
VERIFICATION
The undersigned hereby states that they are the attorney for the Plaintiff/Movant, who is
located outside of this jurisdiction and in order to file the within document in an expedient and
timely manner, they are authorized to take this verification on behalf of said Plaintiff/Movant in
the within action and verifies that the statements made in the foregoing Petition are true and
correct to the best of their knowledge, information, and belief, based upon information provided
by the Plaintiff/Movant.
The undersigned understands that false statements herein are made subject to the
penalties of 18 Pa.C.S. Section 4904, relating to unworn falsification to authorities.
Date: SEP 19 2005 (4 AO C7 IUALZ'
Amy F. Doyle #87062
Daniel F. Wolfso #20617
Bruce H. Cherkis #18837
Philip C. Warholic #86341
Donald P. Shiffer, III #89451
Andrew C. Spears #87737
Ronald M. Abramson #94266
Ronald S. Canter #94000
Wolpoff & Abramson, LLP/Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3rd Fl., Camp Hill, PA 17011
(717) 303-6700
....
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^
EXHIBIT "B"
IN THE
4471 NATIONAL ARBITRATION FORUM
CLAIM
MBNA America Bank, N.A.
c/o Wolpoff & Abramson, L.L.P. RE:
Attorneys in the Practice of Debt Collection Forum File Number: FA0401000226783
Two Irvington Centre Claimant File Number: 0111433971
702 King Farm Blvd. Account No.: 4264298926036933
Rockville, MD 20850 Card member Agreement Type: NEA90
CLAIMANT,
Michelle R Spencer
117 E Main Street
Newburg PA 17240-0216
RESPONDENT(S),
For a Claim against Respondent(s), Claimant states:
1. By way of contract and use of the credit account at issue, Respondent(s) became bound by the terms of a credit agreement
(hereinafter the "Agreement"), which is attached hereto and incorporated herein by reference.
2. Respondent(s) Ware in default under the terms of the Agreement and isJare now indebted to Claimant in the amount of
$7154.56 , as reflected in the attached account summary, plus interest of $116.43 as of the date of filing, and at
6.00% thereafter.
3. Despite repeated demands for payment, Respondent(s) has/have not paid the amounts due.
4. Claimant requests an Award for the amounts reflected in Paragraph 2, plus all arbitration fees incurred, Process of Service
fees and Attorney Fees of $1073.18 , if allowed by law, equaling 15% of the outstanding principal balance.
5. The attached Agreement contains a Delaware choice of law provision and a provision for "reasonable" attorney fees.
Delaware law specifically provides that an attorney fee may be awarded in an amount up to 20% on an unpaid claim if
allowed by law. See, 10 Del. Code Sec. 3912 (Pleading & Practice).
6. The attached Agreement contains a mandatory arbitration provision under the Rules of the National Arbitration Forum
("NAF").
The undersigned counsel for Claimant asserts, under penalty of perjury, that the information contained in this Claim and
the supporting documents attached hereto are accurate based upon information provided by Claimant to the undersigned counsel.
WOLPOFF & ABRAMSON, L.L.P.
Attorneys in the Practice of Debt Collection
By: /?'lazz /'
Bruce H. Cherkis, Esq.
ADMITTED: (MD, DC, PA)
Counsel for the Claimant
If Respondent or counsel wishes to contact Claimant, please call or write:
Paralegal Department
W olpoff & Abramson, I.L.P.
Two Irvington Centre
702 King Farm Blvd., 5th Floor
Rockville, MD 20850
1-800-830-2793
NAFCLM/NAF3 50A
4472
SUMMARY OF ACCOUNT INFORMATION
ACCOUNT STATUS REPORT
Date Filed: 01/16/2004
Account Number: 4264298926036933
Cardmemeber Agreement: NEA90
Primary Account Holder: MICHELLE R SPENCER
Address: 117 E Main Street
Newburg, PA 17240-0216
Home Phone:
Work Phone:
Social Security Number: 265591421
Secondary Account Holder:
Address:
Home Phone:
Work Phone:
Principal Balance: $7154.56
Interest Rate: 6%n
Date Assigned: 06/27/2003
INFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF THE DATE FILED
50A
NAFCL4/NAF3
4473
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 Procedure,
without cost, from the Claimant or from the Forum at WWW.ARBITRATION-FORUM.COM or
800/474-2371.
IF YOU DO NOT SERVE THE CLAIMANT AND FILE WITH THE FORUM A WRITTEN
RESPONSE, AN AWARD MAY BE ENTERED AGAINST YOU. AN ARBITRATION AWARD
MAY BE ENFORCED IN COURT AS A CIVIL JUDGMENT.
YOU HAVE THIRTY (30) DAYS TO RESPOND FROM RECEIPT OF SERVICE.
You have a number of options at this time. You may:
1. Submit a written Response to the Claim, stating your reply and defenses to the Claim, together
with documents supporting your position. Your Response must be served on the Claimant and
filed 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 provided in
the Fee Schedule. Forms for such Response and Claims may be obtained from the Forum. If
you fail to respond in writing to the Claim, an Award may be entered against you and in favor
of the Claimant and you will lose your case.
2. Demand a Document Hearing or a Participatory Hearing. You may request a Hearing in your
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 must
be filed with the Forum. You must also serve a copy of your Request on the Claimant and any
other Parties. Read Forum Code of Procedure Rules 25 and 26.
3. Have other options. You may seek the advice of an attorney or any person who may assist you
regarding this arbitration. You should seek this advice promptly so that your Response can be
served and filed within the time required by the Code of Procedure. If you have any questions
or need help in responding, you may contact the Forum.
The Forum is an independent and impartial arbitration organization, which does not give legal advice
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 50191
Minneapolis USA 55405-0191
(651) 631-1105 (800) 474-2371
info@arb-forum.com
ARBITRATION-FORUM.COM
50A
NAFCL5/NAF3
EXHIBIT "C"
--------------- -------- ---------- --------- ----------- --------------------------------------
?AIRBILL NUMBER DATE CHARGES ?PU RTE/DBI DECLD. VAL. DHL EXPRESS (USA) INC.
_______________ ________ __________ _________ ____________ 1200 S PINE ISLAND ROAD
.COM 33324
857346244575 102/02/041PREPAID SD 815 I PWWW DHLIOSAN, FL
_______________ ________ __________ _________ ___________ 1 B00 CALL-DHL
SHIPPER AND CONSIGNEE
- ------ --- ---- ---
IHI 702PKING&FARM BLVD ROCKVILLE N CENTRE MD 20850 3-131595172
_ ________________________________________________________________________________________________
SENT BY NONE
_ _____________________________..__________________________-______________-________________________
IO MICHELLE 17 EMAIN STREETR NEWBURG PA 17240 0
_ ______________________________________r________,.____-___-________________________________
IATTN 7174235839
__________________________________________________________.._______________________________________
(BILL TO X D37 ENTRY STATION: RKV
___________________________________ OPERATOR ID: /LD
131595172 RY6 FACSIMILE
WOLPOFF & A13RAMSON RKV 940 3300019
2 IRVINGTON CENTRE AIR WAYBILL
702 KING FARM BLVD
ROCKVILLE MD 20850
___________________________________
REF 111433971 0050A
______ _______________________________________________ ______ ________ __________
JNO.PCSJDESCRIPTION OF CONTENTS i SRVC WEIGHT SCL/CbA1
______ _______________________________________________ ______ ________ ________
1 I I SDS R 1 1 530090 Z2
______ _______________________________________________ ______ ________ __________ ----------------
A REWEIGHED AS 1
__________________________________________________________________________________________________
THANK YOU FOR CHOOSING DHL
_______________________________________________________________ _________ _________ ______________
RECEIVED BY TRFF.DEST DATE TIME STA
hIDT
X LD M SPENCER RC 02335006 402 1 CTL-MDT 02/04/04 09:35 MDT
_______________________________________________________________ _________ _________ _____________
i j; i;? i,
NATIONAL
ARBITRATION
FORUM a
MBNA America Bank, N.A.
c/o Wolpoff & Abramson, L.L.P,
Attorneys in the Practice of Debt Collection
702 King Farm Blvd, Two Irvington Centre
Rockville, MD 20850-5775
CLAIMANT(S), AWARD
RE: MBNA America Bank, N.A. v Michelle R Spencer
File Number: FA0401000226783
Claimant File Number: 4264298926036933
Michelle R Spencer
117 E Main Street
NEWBURG, PA 172400216
RESPONDENT(S).
The undersigned Arbitrator in this case FINDS
1. That no known conflict of interest exists.
2. That on or before 01115J2004 the Parties entered into an agreement providing that this matter shall be
resolved through binding arbitration in accordance with the Forum Code of Procedure.
3. That the Claimant has filed a claim with the Forum and served it on the Respondent in accordance with Rule 6
4. That the matter has proceeded in accord with the applicable Forum Code of Procedure.
5. The Parties have had the opportunity to present all evidence and information to the Arbitrator.
6. That the Arbitrator has reviewed all evidence and information submitted in this case.
7. That the information and evidence submitted supports the issuance of an Award as stated.
Therefore, the Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount of $8,504.50.
Entered in the State of Pennsylvania
Jo Ad am er Jr.
Date: 04/05/2004
ACKNOWLEDGEMENT AND CERTIFICATE
OF SERVICE
This Award was duly entered and the Forum hereby
certifies that a copy of this Award was sent by first
class mail postage prepaid to the parties at the above
referenced addresses on this date.
Honorable Harold Kalina, Ret.
Director of Arbitration
04105/2004
LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
ATTORNFYS IN THE PRACTICE
OFDEBTCOLLEMON
4660 TRINDLE ROAD
THIRD FLOOR
CAMP HILL, PA 17011
717-3036]00
EXHIBIT " B"
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
vs.
MICHELLE R. SPENCER
Defendant
NO.
CIVIL ACTION - LAW
DEC G ? 2005
;'-V
C) L(`T ,
RULE
AND NOW, this 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 a U days from the date of service hereof.
BY
Judge
VERIFICATION
The undersigned hereby states that he/she is the attorney for the Plaintiff/Movant,
is located outside of this jurisdiction and in order to file the within document in an
and timely manner, they are authorized to take this verification on behalf of said
in the within action and verifies that the statements made in the foregoing
m are true and correct to the best of their knowledge, information, and belief, based
information provided by the Plaintiff/Movant.
The undersigned understands that false statements herein are made subject to the
ties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities.
Amy FWolfson20617
Daniel Philip C. Warholic #86341
Andrew C. Spears #87737
David R. Galloway #87326
Tonilyn M. Chippie #87852
Ronald M. Abramson #94266
Ronald S. Canter #94000
Bruce H. Cherkis #18837
WOLPOFF & ABRAMSON, LLP
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3`d Floor
Camp Hill, PA 17011
(717) 303-6700
LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
ATTORNEYS IN THE PRAPTICF.
OF DEBT COLLECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP HILL, PA 17011
71]-303-6700
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICA BANK, N.A.
Plaintiff NO. 05-5062
vs.
CIVIL ACTION - LAW
R. SPENCER
Defendant
2004, .
MICHELLE R. SPENCER
408 W. MAIN STREET
WALNUT BOTTOM, PA 17266
i'lj IA? 1 ? L4?Zz
Amy F. Doyle #8 62
Daniel F. Wolfso #20617
Philip C. Warholic #86341
Andrew C. Spears #87737
David R. Galloway #87326
Tonilyn M. Chippie #87852
Ronald M. Abramson #94266
Ronald S. Canter #94000
Bruce H. Cherkis #18837
WOLPOFF & ABRAMSON, LLP
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3rd Floor
Camp Hill, PA 17011
(717) 303-6700
LAW OFFICES
WOLPOFF & ABRAMSON, LL.P.
ATTORNEYS IN THE PRACTICE
OFDEBTCOLLECTION
4660 TRINDLE ROAD
CERTIFICATE OF SERVICE
The undersigned does hereby certify that I served a copy of the Motion to Make
Absolute upon the individual named below by First Class Mail, Postage Pre-Paid,
Certified Mail, Return Receipt Requested on this P day of
THIRD FLOOR
CAMP HILL. PA 17011
717-303-6700
?
,
,
??
Y
C- .i
IF
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICA BANK, N.A.
Plaintiff
NO. 05-5062
vs.
R. SPENCER
Defendant
CIVIL ACTION - LAW
JAIL 2 6 ?006 ?
ORDER
AND NOW. TO WIT, d day of 200& upon
of the foregoing Motion, and DefendantlRespondent having failed to show cause as
by this Court, it is hereby ordered and decreed that judgment is entered in favor of Plaintiff
against Defendant/Respondent in the amount of Eight Thousand Five Hundred Four Dollars
Fifty Cents ($8,504.50).
J.
I LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
ATTORNEYS IN THE PRACTICE
OF DEBT COLLECTION
4860 TRINDLE ROAD
THIRD FLOOR
CAMP HILL, PA 17011
]1]-303-6]00
?j
c ?
Plro
i ZI 13 Z° 27A 900Z
A't;b'iGidUL,:Ydd ?H1 ??
_vlJ C-CI-IH
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
NO. 2005-05062
MBNA America Bank, N.A.
Plaintiff
vs.
Michelle R Spencer
Defendant
CIVIL ACTION - LAW
PLAINTIFF'S PRAECIPE TO ENTER FINAL JUDGMENT
TO THE PROTHONOTARY:
Please enter a final judgment for $8,504.50 in Plaintiffs favor and against Defendant in
accordance with the attached Order of Court entered in these proceedings.
Respectfully Submitted,
Amy F. Doyle #87062 / Daniel F. Vol son #20617
PL /lulo )??Z 1?
Philip C. Warho c #86341 / Andrew C. Spears #87737
David R. Galloway 487326 / Tonilyn M. Chippie #87852
Ronald M. Abramson #94266 / Ronald S. Canter #94000
Bruce H. Cherkis #18837
WOLPOFF & ABRAMSON, LLP / Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Road, 3rd Floor, Camp Hill, PA 17011
(717) 303-6700
I LAW 0[ HIPS
OLPOFF & ABRAMSON, L.L.P.
nORNEYS IN THE PRACTICE
OF DEBT COLLE( TION
4660 TRINOLE ROAD
THIRD FLOOR
CAMP HILL, PA 17011
71]-303-6700
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
AMERICA BANK, N.A.
Plaintiff
NO. 05-5062
vs.
R. SPENCER
Defendant
CIVIL ACTION - LAW
IJ ,
Y
ORDER
AND NOW. TO WIT, - day of 200& upon
of the foregoing Motion. and Defendant/Respondent having failed to show cause as
by this Cows, it is hereby ordered and decreed that judgment is entered in favor of Plaintiff
against Defendant/Respondent in the amount of Eight Thousand Five Hundred Four Dollars
Fifty Cents ($8,504.50).
BY OURT:
J.
In va"n" Itttitow,
and the uW of saW CoWl &; CW1jSe, pjL
17 l ? -539-1)
?!5
i
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
MBNA America Bank, N.A.
Plaintiff
NO. 2005-05062
vs. CIVIL ACTION - LAW
Michelle R Spencer
Defendant
CERTIFICATE OF SERVICE
I, Kimberly L. Eisenhauer, an authorized agent of Wolpoff & Abramson, LLP,
hereby certify that a copy of the foregoing order was served this S day of ?CUf,i I, k
2006, by depositing same in the Post Office at Camp Hill, PA, first class mail, postage prepaid,
addressed as follows:
Michelle R Spencer
A/K/A Michelle R Henry
408 W Main St
Walnut Bottom, PA 17266
WOLPOFF & ABRAMSON, LLP
By" l/d f of-.R,?A,,?_
4660 Trindle Rd., 3`a Fl.
Camp Hill, PA 17011
(717) 303-6700
? ?
? ?
'?
_?
i
l./ ? ?
-,.
? ,
1
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.R. NO. 2005-05062
655 PAPER MILL ROAD
Plaintiff
of
MICHELLE R SPENCER
Defendant(s)
CIVIL ACTION - LAW
NOTICE OF JUDGMENT
( x ) Notice is hereby given that a JUDGMENT
in the above-captioned matter ha een entered against you in the amount of
$ 8504.50 , plus interest, on _ J >_0 44,
( x ) A copy of all documents filed with the Prothonotary in support of the
within judgment is/are attached.
Prot onotary Civil Division
If you have any questions regarding this Notice, please contact the
filing party.
Amy DOyle #87062 // Dan1fson # , o 1 14. Philip C. War it #96341 / Andrew C. Spears #
David R. Gall way #87326 / Tonilyn M. Chippie #
Ronald M. Abramson #94266 / Ronald S. Canter #
Bruce H. Cherkis #18837
WOLPOFF & ABRAMSON, L.L.P. / Counsel for Plainti
Attorneys in the Practice of Debt Collection
4660 Trindle Road, 3rd Floor, Camp Hill, PA 1901
(717) 2203-6700
(This Notice is given in accordance with Pa.R.C.P. 236.)
NOTICE SENT TO:
MICHELLE R SPENCER
A/KjA MICHELLE R HENRY
408 W MAIN ST
WALNUT BOTTOM PA 17266-9718
STNTC/PANOS W&A FILE NO. 111433971
101
l -.
PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENT)
P.R.C.P. 3101 to 3149
MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
vs
JUDGMENT NO. 2005-05062
MICHELLE R SPENCER
408 W MAIN ST
WALNUT BOTTOM PA 17266-9718
Defendant(s)
PRAECIPE FOR WRIT OF EXECUTION
(MONEY JUDGMENT)
To the Prothonotary: PLEASE ISSUE WRIT OF EXECUTION IN THE ABOVE MATTER.
(1) Directed to the Sheriff of CUMBERLAND COUNTY, Pennsylvania;
(2) against, MICHELLE R SPENCER
408 W MAIN ST
WALNUT BOTTOM PA 17266-9718
(3) and against, ORRSTOWN BANK
, Defendant(s);
121 LURGAN AVE
SHIPPENSBURG PA 17257-1600 , Garnishee(s);
(4) and index this writ
(a) against, MICHELLE R SPENCER
Defendant(s) and
(b) against, ORRSTOWN BANK Garnishee(s),
as a lis pendens against the real property of the Defendant(s) in the name of the
Garnishee(s) as follows:
(Specifically describe property) *** GARNISH ONLY ***
You are directed to attach the property of the Defendant(s) not levied upon in the
possession of ORRSTOWN BANK
121 LURGAN AVE
SHIPPENSBURG PA 17257-1600
Garnishee(s)
All accounts including but not limited to all savings, checking and other accounts,
certificates of deposit, notes receivables, collateral, pledges, documents of
title, securities, coupons and safe deposit boxes.
Amount due $ 7104.50
Interest from 02/17/2006 To Be Determined
At an interest rate of 62 per year
i Total $ 7104.50 Plus costs & interest
Dated:
Amy F. Doyle #87062 / Daniel F. Wolfson #20617
Philip C. Warholic #86341 / Andrew C. Spears x/87737
David R. Galloway #87326 / Tonilyn M. Chippie #87852
Ronald M. Abramson #94266 / Ronald S. Canter #94000
Bruce H. Cherkis x/18837
WOLPOFF & ABRAMSON, L.L.P. / Counsel for Plaintiff
Attorneys in the Practice of Debt Collection
4660 Trindle Road. 3rd Floor. Camn Hill. PA 17011 / (717) 303-6700
a?
D ?C*
44
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 05-5062 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due MBNA AMERICA BANK, N.A., Plaintiff (s)
From MICHELLE R. SPENCER, 408 W. MAIN ST., WALNUT BOTTOM, PA 17266-9718
(1) You are directed to levy upon the property of the defendant (s)and to sell .
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of ORRSTOWN BANK, 121 LURGAN AVE, SHIPPENSBURG, PA 17257-1600 - GARNISHEE -
ALL ACCOUNTS INCLUDING BUT NOT LIMITED TO ALL SAVINGS, CHECKING AND
OTHER ACCOUNTS, CERTIFICATES OF DEPOSIT, NOTES RECEIVABLES, COLLATERAL,
PLEDGES, DOCUMENTS OF TITLE, SECURITIES, COUPONS AND SAFE DEPOSIT BOXES.
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $7104.50
L.L. $.50
Interest FROM 2/17/06 AT AN INTEREST RATE OF 6% PER YEAR
Arty's Comm % Due Prothy $1.00
Arty Paid $144.47
Plaintiff Paid
Date: JUNE 5, 2006
(Seal)
Other Costs
CProthonotary
By:
Deputy
REQUESTING PARTY:
Name PHILIP C. WARHOLIC, ESQUIRE
Address: WOLPOFF & ABRAMSON, L.L.P.
4660 TRINDLE ROAD, 3" FLOOR
CAMP HILL, PA 17011
Attorney for: PLAINTIFF
Telephone: 717-303-6700
Supreme Court ID No. 86341
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA
VS.
MICHELLE R. SPENCER
Defendant
CIVIL ACTION - LAW
PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION
To the Prothonotary:
Kindly mark the attachment against the Garnishee, Orrstown Bank, discontinued, upon
payment of your costs only.
Respectfully Submitted,
Dated: ?/L d(o
Amy . Doyle 87062
Daniel F. Wolfson #20617
Philip C. Warholic #86341
Andrew C. Spears #87737
David R. Galloway #87326-1
Tonilyn M. Chippie #87852
Sarah E. Ehasz #86469
Robert N. Polas, Jr. #201259
Ronald M. Abramson #94266
Ronald S. Canter #94000
Bruce H. Cherkis #18837
WOLPOFF & ABRAMSON, LLP
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3rd Floor
Camp Hill, PA 17011
(717) 303-6700
Plaintiff NO. 2005-05062
W&A File No. 111433971
a
c
SHERIFF'S RETURN - GARNISHEE
CASE NO: 2005-05062 P
COMMONWEALTH OF PENNSLYVANIA
COUNTY OF CUMBERLAND
MBNA AMERICAN BANK NA
VS
SPENCER MICHELLE R
And now RICHARD SMITH
,Sheriff or Deputy Sheriff of
Cumberland County of Pennsylvania, who being duly sworn according
to law, at 0008:43 Hours, on the 9th day of June 2006, attached
as herein commanded all goods, chattels, rights, debts, credits, and
moneys of the within named RESPONDANT ,
SPENCER MICHELLE R
hands, possession, or control of the within named Garnishee
ORRSTOWN BANK 22 S. HANOVER ST
CARLISLE, PA 17013
Cumberland County, Pennsylvania, by handing to
JACKIE JUMPER (HEAD TELLER)
personally three copies of interogatories together with 3
and attested copies of the within WRIT OF EXECUTION
the contents there of known to Her .
Sheriff's Costs: So answers:
in the
true
and made
Docketing .00
Service .00
Affidavit .00 R. Th P
Surcharge .00 Sheriff of Cumberland County
.00
. 00 ?
1,13DIo4 06/09/2006
Sworn and Subscribed to
before me this day of By
eputy Sheriff
A.D
MBNA American Bank NA
Vs
Michelle R. Spencer
Writ of Execution
Docket No. 2005-5062 Civil Term
2TH t'-,'0"I 16 P'
R. Thomas Kline, Sheriff, who being duly sworn according to law, states this writ
is returned STAYED. No action has been taken in the last six months.
Sheriff s Costs
Docketing $18.00
Surcharge $30.00
Levy $20.00
Mileage $ 5.00
Poundage $ 1.67
Prothonotary $ 1.50
Garnishee $ 9.00
Total $85.17
So Answers:
R. Thomas Kline, Sheriff
B -
Serge nt
Lk ?a9F3
PL,, Z.,93 8'391