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Home My WebLink About05-5277 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff NO. OS- - ~J..77 cl~:L~~ vs. CIVIL ACTION - LAW PATRICK J. McGUGIN 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 A ward, 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, MAILS TOP 14111, WILMINGTON, DE 19884. 2. Respondent/Defendant, PATRICK 1. McGUGIN, is an adult individual with a last known address of 104 AMY DRIVE, CUMBERLAND COUNTY, CARLISLE, PA 17013. 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". 7. 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 A ward was entered in favor of Plaintiff and against Defendant in the amount of Six Thousand Three Hundred Seventy-Three Dollars and Forty-Six Cents ($6,373.46). 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 A ward 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. 97314, within thirty (30) days of receipt of the aforementioned Arbitration A ward, 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 Six Thousand Three Hundred Seventy- Three Dollars and Forty-Six Cents ($6,373.46). Respectfully Amy F. Doyle #87062 Daniel F. W olfso #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 PlaintifflMovant, 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 PlaintifflMovant. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date: Amy F. D e #87062 Daniel F. W son #20617 Bruce H. Che kis #18837 Philip C. 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N~~ :215,E .0"0 3~~:~.:;:':;~~~~o 5~< ...:c ...i~;;i?;-c""O-e:,QlIltJ> e O::;:l"'~ll ~-=84J..(-_.5~->=. tl'E:::= I atQ:V ..:..;~~>-.- .t:O'tC.SIC:;'U;~ ...C.III _-0- ::c.;-;:lE o4iZO ~ .'0 0- -~~~~~~O~~"t.~ c;;: C/)=ci<.~::JL1J~'--~::>~Vl B GJ~B~..!! lhOoiat..b~o '- $~u:E P:l!!3: 5..,* g IJQ) 00. r--z _.o<I-:N['t'\r- m 0 E = c.::o -. ~ M Jl :::E c.. ~~ Li.i:i::::E'e ~::)~ ",>~"'o-o-::E~-c.;~-o'S: ~~ ii.; ~...~E~!~O.,~.,lgE~z~ -Rl 00 >- :::> "'oc:o .tl --RlU - -..J ::> Lb~.g (/.l ~.- 2:jO-~:'::ij> ,~~.< ~' ~~U!!!O~Nc:III!:!::'4Zl:':EZOU uo~Qj.?; U'lc-5Z"'C:::J~":)>-. 0:.. :. cg "',..,U:I:,.,......Zv. v :::E ~_OO~ ,se~~~~5S~'" bJ! ~-;:",5~ ~iQ-:o~5~C5 "'E~~ -EllS \ :l:'.a g ~_ .... u v . ..000 ..~~~ -z ILI- ~~~~~~~~~~~~~~ o. ~Eg...l~QO~~~~O~---~ -,,0 ._ !:! 0 ~ i1 ..J o.~ ~ . 0 -:: ... ~ .. IIlN"'::I;:ld. ~"""'E ~.~ !:,:, Je'- 4..J .. QJN Ul >-::1 c: E--6 .. ~~! 8~~g~~~~~~~=-~~ ~~ c:~-g~ci...:..!.EVI~-"~ ~~'" .~ ~ ~ E :If(j; lii.Q g ~ ~ : .2:::E ~ ~~ ~ "'...l<"'~<.!':{/)'" _~t>. -5 2651 IN THE NATIONAL ARBITRATION FORUM CLAIM MBNA America Bank, N.A c/o Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection Two Irvington Centre 702 King Farm Blvd. Rockville, MD 20850 CLAIMANT, RE: Forum File Number: FA0408000316346 Claimant File Number: 0124127349 Account No.: 5490992044058026 Card member Ag,reement Type: NEXT90 Patrick J Mcgugin 104 Amy Dr Carlisle P A 17013-8810 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 incmporated 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 $5273.61 , as reflected in the attached account summary, plus interest of $44.21 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 $791.04 , if allowed by law, equaling 15% of the outstanding principal balance. 5. The attached Agreement contains a Delaware choice oflaw 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: ~/~' ~(0luJ,n Bruce H. Cherkis, Esq. ADMITTED: (MD, DC, P A) Neal J. Levitsky, Esq. ADMITTED: (DE) Counsel for the Claimant If Respondent or counsel wishes to contact Claimant, please call or write: Paraleg,al Department WolpofT & Abramson, L.L.P. Two Irving,ton Centre 702 Kin~ Farm Blvd., 5th Floor Rockville, MD 20850 1-800-830-2793 NAFCM2/NAF3 42A NO CARD 2652 SUMMARY OF ACCOUNT INFORMATION ACCOUNT STATUS REPORT Date Filed: 08/20/2004 Account Number: 5490992044058026 Cardmember Agreement: NEXT90 Primary Account Holder: PATRICK J MCGUGIN Address; 104 Amy Dr Carlisle, PA 17013-8810 Home Phone: Work Phone: Social Security Number: 194560594 Secondary Account Holder: Address: Home Phone: Work Phone: Principal Balance: $5273.61 Interest Rate: 6% Date Assigned: 06/29/2004 INFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF THE DATE FILED 42A NAFCL4/NAF3 2653 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 42A NAFCL5/NAF3 NATIONAL ARBITRATION FORUM MBNA AMERICA BANK, N.A. PLAINTIFF /PETI110NER CAUSE #: FA0408000316346 DECLARATION OF SERVICE OF: ARBITRATION CLAIM VS. PATRICK ,I MCGUGIN. JR DEFENDANT/RESPONDANI HEARING DATE: The undersigned hereby declares: That (s )he is now, and at all times herein mentioned, a citizen of the United States and over the age of eighteen, not an officer of a plaintiff corporation, not a party to nor interesu~d in the above entitled action, and is competent to be a witness therein. On the date and time of 111119/~~ @ ~ ~37 fM at the address of f0lf A~~ 'J'~ city of CA<2.L1.5'-12., county of Cl)fr).6ERulV'b state of ~ , this declarant served the above described documents upon: PATRICK J MCGUGIN, JR o Personal/ Corporate Service by then and there personally delivering _ true and correct copy(ies) thereof, by then presenting to and leaving the same with Person Receiving Doculrnmts and Their RelatioMhip No information was provided that indicates that the subjects served are members of the u.s. military. Month R,20~at Day Year ~lf.?7---- LA~t,1 S~lZ , _ FA City State --- ~ $0;. /.;'l1,orli'l b" /. if? Typed or Frinted Name of Process Server Dated OCT ABC Legal Services, Inc. 910 5lh Ave. Seattle, WA 98104 (206) 521-9000 TRACKING # : 3531199 III"'. ..11II Ullllllllllbllln 11I1 ORIGINAL PROOF OF SERVICE Wolpoff & Abramson, LLP 702 King Farm Blvd Rockville, MD 20650.5775 800 678,0303 III NATIONAL ARBITRATION FORUM @ MBNA America Bank, N.A. clo Wolpoff & Abramson, L.L.P. Attorneys in the Practice of Debt Collection 702 King Farm Blvd, Two Irvington Centre RockvilIe, MD 20850-5775 CLAIMANT(s), AWARD RE: MBNA America Bank, N.A. v Patrick J Mcgugin File Number: FA0408000316346 Claimant File Number: 5490992044058026 Patrick J Mcgugin 104 Amy Dr Carli~e,PA 17013-8810 RESPONDENT(s). The undersigned Arbitrator in this case FINDS: 1. That no known conflict of interest exists. 2. That on or before 08/19/2004 the Parties entered into an agreement providing that this matter shall be resolved through binding arbitration in accordance with the Forum Code of Procedure. 3. That the Claimant has filed a Claim with the Forum and served it on the Respondent in accordance with Rule 6. 4. That the matter has proceeded in accord with the applicable 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 A ward as stated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant, for a total amount of $6,373.46. Entered in the State of Pennsylvania WWv MarkA. Welge, sq. ' Arbitrator ACKNOWLEDGEMENT AND CERTIFICATE OF SERVICE This Award was duly entered,and the Forum hereby certifies that a c~AA~~ f!iiirr~ was sent by first class mail post~e o/eflaid to:t~Pa~ies at !he above referenced a~~~j ~~~itat1ves, on j~i 1~; \~\ J 0:.) \0\ ia, \7 \ / '-t, / \_",,, /...;;.. ! ~~~/~. ~ ~ " ~\ ' , ,,.,. Cl _ Honorable'm:rroliKalin.'l. Ret. Director Date: 01/06/2005 ~ o&Q. ):) 'Tt CI1 E t 9't (j .....> 0 ;::-.~ 8 ,..... ~ .....' ." '-' ; :g C) ~ -- -,.- ( '") rri~ (- --I I ...() ~ t ...0 ~ -J ~ ~ ~ 1- C_J :n OJ .....;:: SHERIFF'S RETURN - REGULAR CASE NO: 2005-05277 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERI CA BANK NA VS MCGUGIN PATRICK J MICHAEL BARRICK , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within PETITION was served upon MCGUGIN PATRICK J the RESPONDANT , at 1533:00 HOURS, on the 11th day of October ,2005 at 104 AMY DRIVE CARLISLE, PA 17013 by handing to PATRICK MCGUGIN a true and attested copy of PETITION together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 18.00 4.80 .00 10.00 .00 32.80 r~~ R. Thomas Kline j( day of Sworn and Subscribed to before By~ me this .D. '\ I~~J ~ p 2tc.:j MBNA AMERICA BANK, N.A. Plaintiff NO. OS - S;;l., '7 ~' G~L~~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA VS, CIVIL ACTION - LAW PATRICK J. McGUGIN Defendant RULE AND NOW, this ," day of {.wI , 2005, upon the consideration of the foregoing Petition to Confirm Arbitration A ward, it is ORDERED that the parties to this action show cause, if any they have, why this Motion should not be granted. RULE RETURNABLE ~ days from the date of service hereof. BY THE COURT: Judge iM ~~\ ~~ ~, >;\- D. .. \rt 'P '-D ~ '...'" 80 :6 \;'\1 Z- 83.:19002 A. U'\'''iJ~''I' I 'f" . , :JHJ. "0 U 1.1. l \"""n~l\..J.:,::;J...I f ..:J ' 3:Ji:J~'C)-G3llj J"I I). rj :) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYL VANIA ~ MBNA AMERICA BANK, N.A. Plaintiff NO, (J5},'.1. 7 7 (1,.A -r:-.. vs. CIVIL ACTION - LAW PATRICK J, McGUGIN Defendant MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S PETITION TO CONFIRM ARBITRA TION AWARD AND NOW, TO WIT, comes the PetitionerlPlaintiff, MBNA AMERICA BANK, N.A., by and through its attorneys and the law firm ofWolpoff & Abramson, LLP, and files the following Memorandum of Law in Support of Petition to Confirm Arbitration A ward, and in support thereof avers as follows: 1. STATEMENT OF FACTS: Defendant(s), PATRICK J. McGUGIN, was/were issued an open end credit card account by Plaintiff. Defendant(s) haslhave 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) haslhave 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 Six Thousand Three Hundred Seventy-Three Dollars and Forty-Six Cents ($6,373.46). II. ISSUE PRESENTED: Whether, pursuant to 42 Pa.C.S. S7313 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 Authoritv. to Use of Dunzik. v. John McShain. Inc., 25 A.2d 572, 573 (Pa. Super.1942); 42 Pa.C.S.A. S7303. When parties agree to arbitration in a clear and unmistakable manner, Courts make every reasonable effort to favor such agreements. Emmaus Municipal Authoritv 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. SS7301-7320 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. 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 aforementioned card member agreement, which contained an Arbitration clause. By virtue of Defendant's use and maintenance of the subject account, Defendant became bound by all terms of the account, including the agreement to arbitrate. The Federal Arbitration Act, which governs the aforementioned Arbitration proceeding conducted by the NAF, does not require that an agreement to arbitrate be signed; See 9 D.S.C., Section 2; see also Bouriez v. Carnegie Mellon, 359 F.3d 292 (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 offered 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. S7303. As outlined in Plaintiffs Petition, pursuant to the Credit Card Agreement Additional Terms and Conditions, which Defendant received during the time period in which Plaintiff issued Defendant the subject open end credit card account, the parties agreed that this matter was be referred to the National Arbitration Forum for Arbitration in the event of any claim and/or dispute arose if the account is referred to collection. By using the subject credit card to purchase products and services, Defendant agreed to these terms. 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). r MAIN OFFiCE TWO IRVINGTON CENTRE 702 KING FARM BLVD. ROCKVlllE, MD 20860 REGIONAL OFFICES 10606JUOlClAl DR., BLDG. A-6. FAJAFAX, VA 22030 '108 E. MAIN ST.. STE. 1003. RICHMOND, VA 23216 5122 GREENWICH AD., VIRGINIA BEACH. IIA 23462 919 N. MARKETST., STE. 1300, WilMINGTON, DE 19899 'V..u.EYBAN<a.oo.,BOI.1Z!6.~WV26302 2625 TOWNSGATE RD., '330. WES'flAKE VI.LAGE. CA 91361 4680 TRINOlE ROAD, 3AD FLOOR, CAMP HU, PA 17011 3G5OOHIGH POlNTE BLVQ., STE. 250. NOVI, "'" 48a75.s506 300 CANAL VIEW BLVD.. ROCHESTER, NY 14623 158 NORTH CAARQU.. AVE.. SOUTHLAKE, TX 76092-&413 180 GLASTONBUAY BlVD., GlASTONBURY, CT 06033-4439 LAW OFFICES WOLPOFF & AIIRAMSON, L.L.P. Attorneys in the Practice of Debt Collection (A National Collection Attomey Network Firm) 4I;SO TRINDLE ROAD 3RD FLOOR CAMP HILL, PA 17011 717-303-6700 OUTSIDE THE CAMP HILL LOCAL AREA (TOlL FREE) t -BOO. 758-Q675 FACSIMILE 717-737-9051 BIRMINGHAM. AlABAMA PHOENIX, ARIZONA ANCH~GE, ALASKA CABOT. ARKANSAS PLEASE DIRECT ALL INQUIRIES TO THE CAMP HILL OFFICE A TTN: Prothonotary/Court Administration RE: Petition to Confirm Arbitration A ward Dear Clerk: ~;N~ ENGLEWOOD, COlORADO RALEIGH, NORTH CAROLINA FT. LAUDEADALE, FLORIDA FARGO, NORTH DAKOT" NORCROSS. GEORGIA CLEVElAND. OHIO HONOlULU, HAWAII OKLAHOMA CITY. OKLAHOMA BOISE, IDAHO EUGENE, OAEGON CHICAGO. ILl...lNOlS PROVIDENCE, RHODE ISlAND MERAlllVlllE, INDIANA COlUMBIA. SOUTH CAROlINA KANSAS CITY. KANSAS KNOXVI.LE. TENNESSEE LEXINGTON, KEN1UCKY HOUSiON, TEXAS METAIRIE,lOUISlANA SANDY. UTAH MINNE....POlJS. MINNESOTA MILWAUKEE WISCONSIN ST. LOUrs, MISSOURI RAWUNS. WYOMING GREAT FAllS. MONTANA OMAHA. NEBRASKA LAS VEGAS, NEVADA MANCHESTER. NEW HAMPSHIRE . TIle N_lknIaI CoIl<<UoIl CEDAR KNOllS. NEW JERSEY Attorney Ndworllll:... .mu.t1oD ol~p....IeI.....nl1llf;. W &II Hours 01 Operation: a a.m. - 5 p,m. EST M-F ('5'.5"'277 Please be advised that the undersigned represents the interest of the Plaintiff pursuant to this matter. Kindly note that the Petition to Confmn Arbitration A ward 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. LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. AtTORNEYS IN THE PRACTICE OF DEBT COlLECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP Hill. PI. 17011 717-303-6700 I' I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYL VANIA MBNA AMERICA BANK, NA Plaintiff NO. 05-5277 vs. CIVIL ACTION - LAW PATRICK J. MCGUGIN Defendant MOTION TO MAKE RULE ABSOLUTE TO THE HONORABLE, THE JUDGES OF THE SAID COURT: AND 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 statement: 1. A Petition to Confirm Arbitration Award Pursuant to 42 Pa.C.S.A. Section 7313 was filed in the above captioned action requesting that a Rule be issued ordering the parties to this action to show cause, if any they had, as to why said Petition should not be granted. A true and correct copy of said Petition is attached as Exhibit "A" and incorporated herein by reference as if set forth in full. 2. Pursuant to the issued Rule, Defendant was provided with twenty (20) days from the date of service of said Rule in which to respond. A true and correct copy of said Rule is attached hereto as Exhibit "B" and incorporated herein by reference as if set forth in full. 3. That said Rule was forwarded by Plaintiff/Movant and received by Defendant(s)/Respondent(s) as evidenced by the Certificate of Service which was filed with the Court. 4. That Defendant(s)/Respondenl(s) failed to respond to the aforementioned Rule directing Defendant(s)/Respondent(s) to show cause why the relief requested in Petition to Confirm Arbitration A ward filed by PlaintifflMovan! should not be granted. LAW OFFICES WOLPOFF & ABRAMSON, LLP. ArrORNEYS IN THE PRACTICE OF DEBT COlLF.CT/(W 4660 TRINDI.-E ROAD THIRD FI.-OOR CAMP HILL, PA 17011 717-303-6700 II WHEREFORE, Plaintiff/Movant requests that this Honorable Court make the aforementioned Rule absolute, and execute an Order entering judgment in favor of PlaintifflMovant and against Defendant(s)/Respondent(s) in the amount of Six Thousand Three Hundred Seventy-Three Dollars and Forty-Six Cents ($6,373.46). Respectfully submitted, (Yv ~>- Amy F. Doyle #87062 Daniel F. Wolfson #20617 Philip C. Warholic #86341 Andrew C. Spears #87737 David R. Galloway #87326 Tonilyn M. Chippie #87852 Ronald M. Abramson #94266 Ronald S. Canter #94000 Bruce H. Cherkis # 18837 WOLPOFF & ABRAMSON, UP Attorneys in the Practice of Debt Collection 4660 Trindle Rd., 3,d Floor Camp Hill, PA 17011 (7] 7) 303-6700 II , LAW OFFICES WOLPOFF & ABRAMSON, L.LP. ATTORNEYS IN THE PRACTICE OF DEBT COLLHCTlON EXHIBIT "A" 4660 TRINDLE ROAD THIRD FLOOR CAMP HilL. PA 17011 717-303-6700 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff NO. 0$ -~).. "11 Cl'ud._~~ vs. CIVIT.. ACTION - LAW PATRICK J. McGUGIN Defendant 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 days from the date of service hereof. BY THE COURT: Judge ,// -,.,~..- -~~-- --. -..--~ 121-\ 1213yQ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff NO. vs. CNIL ACTION - LAW PATRICK J. McGUGIN Defendant RULE AND NOW, this _ day of , 2005, upon consideration of the within Plaintiff's Petition to Confmn Foreign Arbitration Award, a hearing shall be scheduled in the above captioned action for the _ day of 20_, at a.m.lp.m., in Court Room Number __ of the Cumberland County Court House. BY THE COURT: J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, NA Plaintiff NO. VS. CIVIL ACTION - LAW PATRICK J. McGUGIN Defendant ORDER AND NOW, this _ day of , 200_, upon consideration of Plaintiff's Petition to Confirm Arbitration Award, it is hereby ORDERED that Plaintiff's Arbitration Award is confIrmed, pursuant to 42 Pa.C.S.A. ~7313, and that judgment be entered in favor of Plaintiff and against Defendant in the amount of Six , Thousand Three Hundred Seventy-Three Dollars and Forty-Six Cents ($6,373.46). BY THE COURT: J. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA MBNA AMERICA BANK, NA Plaintiff NO. vs. CNIL ACTION - LAW C2 , . .,; ...., C'~ ,_',J t:...:'"l Q c:; -j I -! o "1l .... ]; Oil Ij,:==- PATRICK J. McGUGIN Defendant PLAINTIFF'S PETITION TO CONFIRM ARBITRATION A}V AlID PURSUANT TO 42 Pa.C.S.A. ~7313] -I,:: ~ ~~,:: f"~~$ ?: r-;~_Tl , ') :;') c;.; ~." :::-, .. .. ~!;:: AND NOW, TO WIT, comes the PetitionerlPlaintiff, MBNA AMERICA BANK, ~~A., :;< by and through its attorneys and the law firm of W olpoff & Abramson, LLP, and files the following Petition to Confirm Arbitration Award, and in support avers as follows: 1. PetitionerlPlaintiff, 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, MAILS TOP 14111, WILMINGTON, DE 19884. 2. RespondentlDefendant, PATRICK J. McGUGIN, is an adult individual with a last known address of 104 AMY DRIVE, CUMBERLAND COUNTY, CARLISLE, PA 17013. 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 ofhislher use of the account, the parties agreed that, in the event of any claim and/or dispute surrounding this accOlUlt 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 fOIWarded 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". 7. 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 Six Thousand Three Hundred Seventy-Three Dollars and Forty-Six Cents ($6,373.46). 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 A ward 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 cOnfmn the aforementioned Arbitration Award; and (c) because Defendant did not make an application, pursuant to 42Pa.C.SA ~7314, within thirty (30) days of receipt of the aforementioned Arbitration Award, with the Court to have said Arbitration A ward vacated, modified and/or corrected. WHEREFORE, Plaintifflpetitioner respectfully requests that this Honorable Court confirm the Plaintiffs Arbitration Award, pursuant to 42 Pa.C.S. ~7313, and enter judgment in favor of Plaintiff and against Defendant(s) in the amount of Six Thousand Three Hundred Seventy-Three Dollars and Forty-Six Cents ($6,373.46). 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 VERIFICATION The undersigned hereby states that they are the attorney for the PlaintifflMovant, 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 PlaintifflMovant in tP.e 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, base.d 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 unsworn falsification to authorities. Date: Amy F. e #87062 Daniel F. W son #20617 Bruce H. Ch s #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 Pl., Camp Hill, PA 17011 (717) 303-6700 EXlDBIT "A" " ~: .,', .~:: ,'. i,: ,'. ~;; .~~ f~~-'Ww-- .,". ~; !1f~ ..5'-: l<<. ~ !~- h,~tt-t ~ si .~~. ~ !~ 1~ . ~1,,5 .;~~ ,~ 11m ttt..ill\l<nmiiMdtUiUiUUUHOll.iniUl!ill :: 8]0..... gee ':5~ "zz~oi ~'iI:l.-~t~~lli1h hE15"d-.5h-~ js 21.."" ~.~~ '.~! ~ :~~! ~ ~i1l1 ~~'5l~~!L~ s~; ~~!;;~ :'iii.l!! ~.~~ !Dj-!'~~U.~ ~U~li~! S'=.lil~ ~..~ ~ ,:; h~,g'i ~~:g e s,ltl':;:I,iJliii-=1 H]" ,,5-51. h il5 9 U-'Ila! 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I !Ub=n~h~ !g~~ I~ C'^~~':'ZI:- "F~d,-""...l! .5 -a.l!.ll i..._.,,,.K~ ~<lt&f .i i~3~~.I~~~~~!II~ ~ f!1~1.1~~~~i5-1.1~]~J~ 7i~g~~"~f!~~~a.~~ 1 '@~ ~ H!iljr.i .5 .2~d ~i~jn!l~n~~ f l;i j J t~! Iii -'" 7! I2J . ~~ ltd~M..$__~::J= ~ J-"'~ .~ ~.,EJ~~O ~. jg~J~~~~iiii~~~~l;!~l~;!i~~~~l~~f-~i;JI a.~g..l8o~~ ~c9~~~~i ..'?j .h u~ HSi l;.5 5.= ~:; :z~ zs~ l~~~~~~lH~~~hl F~ "hit. .aU~~H:A~d~h EXHIBIT "B" 2651 IN THE NATIONAL ARBITRATION FORUM CLAIM MBNA America Bank, N.A- c/o Wolpoff & Abramson, L.L.P. Allorneys in the Practice of Debt Collection Two Irvington Centre 702 King Farm Blvd. RockvjJIe, MD 20850 CLAIMANT, RE: Forum File Number: FA0408000316346 Claimant File Number: 0124127349 Acxonnt No.: 5490992044058026 Card member Agreement Type: NEXT90 Patrick J Mcgugin 104 Amy Dr Carlisle PA 17013.8810 RESPONDENT(S), For a aaim against Respondcnt(s), Claimant states: L By way of contract and \l8t of the cn:dil account at issue, Respondcnt(s) became bonnd by the terms of a credit agreement (hereinafter the' Agreement'), which is attached hereto and incorporated herein by referMce. 2. Respondent(s) is/are iu default under the terms of the Agreement and is/are now indebted to Claimant in the amount of $5273.61 , as reflected in the attached acrount summary, plus interest of$44.21 as of the date offiling, and at 6.00% thereafter. 3. Despite repeated demands for payment, Respondent(s) has/have not paid the amOUllts due. 4. Claimant requests an Award for the amounts reflected in Pangraph 2, plus all arbitration fees incurred, Process of Service fees and Altorney Fees of $791.04 , if allowed by law, equaling 15% of the outstanding principal balance. 5. The attached Agreement contains a Delaware choice oflaw provision and a provision for 'reasonable' altol1ley fees. Delaware law specifically provides that an attorney fee may be awarded in an amounl up 10 20% on an unpaid claim if allowed by law. ~, 10 Del. Code Sec. 3912 (Pleading & Practice). 6. The attached Agreement contains a mandatory arbitration provision nnder the Rules of the National Arbitralion Forum ("NAF"). The undersigned counsel for Claimant asserts, under penally of perjury, that \be information contained in Ihis aaim and tbe supporting documents attached hereto are accurate based upon infnrmation provided by Claimant to Ihe undersigned counsel. WOLPOFF & ABRAMSON, L.L.P. Allorneys in the Praclice of Debt Collection By: ~ /~' ~<0lvJlh Neal J. Levitsky, Esq. ADMITIED: (DE) Bruce H. Cherlds, Esq. ADMITIED: (MD, DC, PAl Counsel for the Claimant If Respondent or counsel wishes to contaot Claimant, please eall or write: Paral" Department WolpolT & Abram.son, L.L.P. Two Irving\on Centre 701 KinR Fann Blvd., Stb Floor Rockville, MD 20850 1.800-830-1793 2652 SUMMARY OF ACCOUNT INFORMATION ACCOUNT STATUS REPORT Date Filed: 08/20/2004 Account Number: 5490992044058026 Cardmember Agreement: NEXT90 Primary Acrount Holder: PATRICK J MCGUGlN Address: 104 Amy Dr Carlisle. P A 17013,8810 Home Phone: Work Phone: Social Security Number: 194560594 SecoDdary Account Holder: Address: Home Phone: Work PhoDe: Principal Balance: $5273.61 Interest Rate: 6% Date Assigned: 06/29/2004 INFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF lHE DATE FILED 42A NAFClA/NAF3 2653 NOTICE OF ARBITRATION Dear Respondent, AN ARBITRATION CLAIM HAS BEEN FILED AGAINST YOU. Enclosed and served upon you is the Initial Gaim. You may obtain a copy of the Code of Procedure, without cost, from the Gaimant 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 A WARD MAY BE ENFORCED IN COURT AS A aVIL 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 Gaim, together with documents supporting your position. Your Response must be served on the Gaimant and filed with the Forum. Read Forum Code of Procedure Rule 13. A Counter Gaim, Cross-claim or Third Party Gaim may also be served and filed, and accompanied by the fee as provided in the Fee Schedule. Forms for such Response and Gaims may be obtained from the Fonun. If you fail to respond in writing to the Gaim, an Award may be entered against you and in favor of the Gaimant 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 Oaimant 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 Procedun:: 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. TIllS 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 42A NAFCLS/NAF3 EXHIBIT "C" NATIONAL ARBITRATION FORUM MBNA AMERICA BANK, N.A. PLAINl1FF/PETI110NER CAUSE #: FA0408000316346 DEa.ARAll0N OF SERVICE OF: ARBITRATION ClAIM HEARING DATE: VS. PATRICK J MCGUGIN. JR DEFENDANT/RESPONDANT The undersj~ herebydeda~: That (sl.he. is now, ~ at all time. herein me!,uoned, a ~i.tizen of the U'.1ited S~teS and f?ve the age of eighteen, not an offICer of a plaintiff corporatIOn, not a party to nor mterested Itl the above entitled actlOn, and 15 competent to be a witneSS therein. On the date and cimeof (f1/J1Mf( @ t,:37 PM attheaddressof 10'1 Aml}"bt< city of '('AtUI51..e. "countyof C.>""AER\..AJ-:lh Slate of _f.A ,this declarant served the above described documents upon: PATRICK J MCGUGIN. JR o PetSODal/Corporate Service by then and there personally deliveting _ true and correct copy(ies) thereof, by then presenting to and leaving the .ame with POlfOtl~DocumfNttIand1JNlt"~ No information was provided that indicates that the subjects served are members of the u.s. milituy. -r:;...CrlW'7"-). $...UR __ ~~ ~~---- Typodorf__d__ __ Dated OCT --1.L,20~ at~AL.ISI...&: . PA -", !lIy Y.., City Slate ABc Legal Service., Inc. 9105" Ave. Sullie, WA 98104 /206\.121.9000 ORIGINAL WoJpoff&_.lLF 702KJIlIJForm_ EXHmIT "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 Fann Blvd, Two lrvington Centre Rock-ville, MD 20850-5775 CLAIMANT(s), AWARD RE: MBNA Ameriea Bank, N.A. v Patrick J Megngin File NlIDlber: F A0408000316346 Claima. File Number: 5490991044058026 Patrick J Mcgugin 104 Amy Dr CarlisIe,PA 17013-8SIO RESPONDENT(s). The undersigned AIbitJator in this case FINDS: I. That no known conflict of interest exists. 2. That on or before 08/19/2004 the Parties enteted into an agreement providing that this matter sball be resolved through binding arbitration in ac:cordance with the Forum Code of Procedure. 3. That the Claimant has filed a Claim with the Forum and served it on the Respond<<lt in accordance with Rule 6. 4. That the matter bas proceeded in accord with the applicable Forum Code of Procedure. S. Tbe Parties have had the opportunity to present all evidence and information to the AIbitrator. 6. That the AIbitrator has reviewed aU evidence and information submitted in this case. 7. That the information and evidence submitted suppons the issuance of an Award as stated. Therefore, the Arbitrator ISSUES: An Award in favor of the Claimant. for a total amount of $6,373.46- ElUered in the State of Pennsylvania _~{4~ Amitndor ACKNOWLEDGEMENT AND CERTIFICATE OF SERVICE 'Ibis Award wa=dulY ~and the Forum hereby certifies that a ~~. was sent by finlt class mail post ~ idto ies at the above referenced adih . tives, on f""". ":fii>\ L:bo' \;;::::. \~\ )0 ~'-... /,;".,/ ~lv<',~~ ~ ~ ~\ ~(~ p.... . & HoJUmlble HimiI . Ret. DlreetGr Date: 01/0612005 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA MBNA AMERICA BANK. N.A. Plaintiff NO. vs. CIVn.. ACTION - LAW PATRICK J. McGUGIN Defendant MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S PETITION TO CONFjBM ARBITRATION AWARD AND NOW, TO WIT, comes the PetitionerlPlaintiff. MBNA AMERICA BANK, N.A.. by and through its attorneys and the law firm ofWolpoff & 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(s), PATRICK J. McGUGIN, was/were issued an open end credit card account by Plaintiff. Defendant(s) haslhave 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) haslhave 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 Six Thousand Three Hundred Seventy-Three Dollars and Forty-Six Cents ($6.373.46). 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 Authoritv. to Use of DUDZik. 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. Emrnaus Municioal 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. McLau2hlin, 655 A.2d 621, (Pa. Cmwlth. 1995), appeal granted 665 A.2d471, 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.200I), reargument denied, aopeal denied. 797 A,2d 914. Here, the account issued to Defendant by Plaintiff was governed by the aforementioned card member agreement, which contained an Arbitration clause. By virtue of Defendant's use and maintenance of the subject account, Defendant became bound by all tenns of the account, including the agreement to arbitrate. The Federal Arbitration Act, which governs the aforementioned Arbitration proceeding conducted by the NAF, does not require that an agreement to arbitrate be signed; See 9 U.S.C., Section 2; see also Bouriez v. Cameeie Mellon, 359 F.3d 292 (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 offered 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 Plaintiff's Petition, pursuant to the Credit Card Agreement AdditioniU Tenns and Conditions, which Defendant received during the time period in which Plaintiff issued Defendant the subject open end credit card account, the parties agreed that this matter was be referred to the National Arbitration Forum for Arbitration in the event of any claim and/or dispute arose if the account is referred to collection. By using the subject credit card to purchase products and services, Defendant agreed to these terms. Pursuant to 42 Pa.C.S.A. ~7314, pertaining to vacating an Arllitration 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, Le., 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, 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. Exchan~e, 837 A.2d 496,500 (Pa. Super. 2003). IV. CONCLUSION Here, none of the applicable exceptions to avoiding this NAF arbitration award exist. Both Plaintiff and Defendant(s) entered into an open-ended credit agreement which contained a valid arbitration clause. When Defendant(s) breached this agreement through nonpayment Plaintiff exercised its contractual right to arbitrate its claim through the NAF. After receiving appropriate notice of arbitration, Defendant( s) wail/were afforded a full and fair hearing on the merits. Following the NAF arbitrator's finding in favor of Plaintiff, Defendant(s) had the opportunity to challenge Plaintiffs award; Defendant(s) did not do so. Therefore, in light of the foregoing, there is no basis to disturb the arbitrator's finding, and Plaintiff respectfully requests that this Honorable Court grant the relief requested in Plaintiff's Petition to Confinn its Arbitration Award. tfully submitted" Amy . #87062 Daniel F. lfson #20617 Bruce H. Cherkis #18837 Philip C. Warholic #86341 Donald P. Shiffer, 1lI #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 , ;.t LAW OFFICES WOLPOFF & ABRAMSON, LL.P. ATTORNeyS IN THE. PRACTICE OF' DEBT COlLECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP HilL, PI>. 17011 717-303-6700 " EXHIBIT" B" '\ ,i~ r'J ? r: (_,:v"-' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA K lJ MBNA AMERICA BANK, N.A. Plaintiff NO. OS" - s,~ '7 G~L~~ vs. CIVIL ACTION - LAW PATRICK J. McGUGIN Defendant RULE AND NOW, this / q day of 14( , 2005, upon the consideration of the foregoing Petition to Confirm Arbitration A ward, it is ORDERED that the parties to this action show cause, if any they have, why this Motion should not be granted. RULE RETURNABLE t.D days from the date of service hereof. BY THE COURT: Judge rrn.lE COpy FROM RECOPU In TNtifDMywhel'8Ol. I her. unto set my /liJf!lj ..,d We WI! at said Court at ~ PI. ~1Ua ~7).Jj'!:" J!:::;~:l ,~~. Protl1onotari 1d.t.[{dl3~9 r-' , I I ! :1. I:. "-_! ,,::..:j LAW OFFICES WOU'OFF & ABRAMSON, L.LP. ATTORNEYS IN THE PRACTICE OF DEBT COLlECTION 4660 TRINDlE ROAD THIRD flOOR CAMP Hill, PA 17011 717-303-6700 II VERIFICATION The undersigned hereby states that he/she is the attorney for the PlaintifflMovant, 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 Motion are true and correct to the best of their knowledge, information. and belief, based upon information provided by the PlaintifflMovant. The undersigned understands that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unsworn falsification to authorities. Date:~ A~y F. D~ #87062 Daniel F. Wolfson #20617 Philip C Warholic #86341 Andrew C. Spears #87737 David R. Galloway #87326 Tonilyn M. Chippie #87852 Ronald M. Abramson #94266 Ronald $. 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 OFFlCES WOLPOfF & ABRAMSON, L.L.P. AITORNEYS TN THE PRACTICE OF DEBT COLIECTfON 4660 TRINDLE ROAD THIRD FLOOR CAMP HILL, PA 17011 717-303-6700 II I I Ii Ii IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA MBNA AMERICA BANK, N.A. Plaintiff NO. 05-5277 vs. CIVIL ACTION - LAW PATRICK J. MCGUGIN Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the Motion to Make Rule Absolute upon the individual named below by First Class Mail. Postage Pre-Paid, ;.lL aJ L I on this L day of I U'L ,20.fllb.. MICHAEL HEATH. ESQUIRE 1604 UNION STREET SAN FRANCISCO, CA 94123 CJ Amy F. Doyle #87062 Daniel F. Wolfson #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 # \ 8837 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd., 3" Floor Camp Hill, PA 17011 (717) 303-6700 () ~-." '-0 ':_.~ ,---" , ~.~ ,"J"" ::::: ::;1- ; \1 r~;~ I-r. '--=-' :>.J ",' r-..') 1__1 __OJ C:J L~-: ",:.) '-< ~ '... .-:. LAW OFFICES WQLPOfF &. ABRAMSON, L.L.P. AlTORNEYS IN THE PRACTICE OF DEBT COlLECTION 4660 TRINDLE ROAD THIRD FLOOR CAMP HILL, PA 17011 717-303-6700 I . IN THE COllRT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK. NA Plaintiff VS. PATRICK J. MCGUGIN Defendant ORDER AND NOW, TO WIT, f ' _ day of NO. 05-5277 rF=~C'~c<CU ...._-.~ c. .' . . '., I r. '- MAY 0 8.2006 . "j , nv. L~ l-,,*. " - - ---.... ~_.~-_.~-- CIVIL ACTION - LAW Aa.; ,2006,upon consideration of the foregoing Motion, and DefendantlRespondent having failed to show cause as ordered by this Court, it is hereby ordered and decreed that judgment is entered in favor of Plaintiff and against DefendantlRespondent in the amount of Six Thousand Three Hundred Seventy-Three Dollars and Forty-Six Cents ($6,373.46). BY THE COURT: 4/i J. \iINVAlASNN3d AlNno:) ()!)n!{18V'lrlO 90:IIWV 6-AVW900l Al:NlONOHlOl:ld 3Hl :10 301:L-!o-G31l:l IN THE COURT OF COMMON PLEAS OF CUMBERLAND COVN!IY, PENNSYLVANIA NO. 05-5277 CIV~ TERM MBNA America Bank, N.A. Plaintiff vs. CIVIL ACTION - tAW Patrick McGugin, Jr. Defendant PLAINTIFF'S PRAECIPE TO ENTER TO THE PROTHONOTARY: Please enter a judgment for $6,373.46 in Plaintiffs favor and a ainst Defendant in accordance with the attached Order of Court entered in these proceedi gs. Respectfully Submitted, Amy F. Doyle #20617 Philip C. Warholic #87737 David R. Galloway #87326 / To ilyn M. Chippie #87852 Ronald M. Abramson #94266 / R nald S. Canter #94000 Bruce H. Cherkis #18837 WOLPOFF & ABRAMSON, LLP Counsel for Plaintiff Attorneys in the Practice of Debt C llection 4660 Trindle Road, 3" Floor, Cam Hill, PA 170 II (717) 303-6700 LAW OFFICES OLPOff It ABRAMSON, L.LP. TTORNEYS IN THE PRACTICE OF PEBT CO~CTION 4660 TRINDLE ROAD THIRD FLOOR CAMP HJU.. PA. 1 lOll 717.303.6700 IN THE COURT OF COMMON PLE\.\S OF CUMBERLAND COUNTY, PENNSYI(. VANIA I t<_l-1~~'C-:?"-< "'::::5-' IByMA~O ~l:i J MBNA AMERICA BANK, N.A. Plaintiff NO. 05-5277 i VS. CIVIL ~CTION - LAW PATRICK J. MCOUOIN Defendant ORDER AND NOW, TO WIT, !lilL day of ,2006,upon consideration of the foregoing Motion, and Defend tIRes ondent having failed to show cause as ordered by this Court, it is hereby ordered and de d that judgment is entered in favor of Plaintiff and against DefendantlRespondent in Three Hundred Seventy-Three Dollars and Forty-Six Cents $6,373.46). BY THE COURT: J. ..._------.... \' L\-I215+q) . _..... '0'__"_ .~---- T , . IN THE COURT OF COMMON PLEAS OF CUMBERijAND COUNTY, PENNSYLVANIA NO. 05-5277 C~IL TERM MBNA America Bank, N.A. Plaintiff vs. CNIL ACTION -t LAW Patrick McGugin, Jr. Defendant CERTIFICATE OF SERVICE I, Kimberly L. Eisenhauer, an authorized agent of W Ipoff & Abramson, LLP, hereby certify that a copy of the foregoing order was served this day of ~, 2006, by depositing same in the Post Office at Camp Hill, PA, first lass mail, postage prepaid, addressed as follows: Michael Heath 1604 Union St San Francisco, CA 94123 WOLPOFF & AB By 4660 Trindle R ., 3rd F1. Camp Hill, PA 7011 (717) 303-6700 N ~ i8- ~ -:-C'> * 0- r--> () 0 = 0 f; c= -n - ~ 0.... (Y -tJ t'L- :!1: ::;:l -e: I.' :::..'~.~ mfQ (Tl -< \"" P- -om N /'Y t .r:- :::;J{~) ~ E _..: -1", " '-- ~Tl ';'c~: ~_~? (tJ ~ :_"")11. - "1"-- ~'=-t P -f.... :c:j r ?E -, N '< ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND dOUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD NO. 05-5277 IVIL TE Plaintiff VB. CIVIL ACTION - LAW PATRICK J MCGUGIN JR Defendant (s) NOTICE OF JUDGMENT ( x} Notice is hereby given that a JUDGMENT in the above-captioned matter has been entered agai $ 6373.46 plus interest, on --~~--~V------- st you in the 20D1o_. amount of ;~~~tarY onotary in support of the x) A copy of all documents filed within judgment is/are attached. sian By: If you have any questions filing party. regarding this Notice, pI ase contact the ~~;-f Doyle ~ --~~----------- #87062 / Daniel F. Wolfson # #86341 / Andrew C. Spears # #87326 / Tonilyn M. Chippie # #94266 / Ronald S. Canter # #18837 Philip C. David R. Galloway Ronald M. Abramson Bruce H. Cherkis WOLPOFF & ABRAMSO Attorneys in the 4660 Trindle Road, (717) 303-6700 L.L.P. / Counsel for plainti ractice of Debt Collection 3rd Floor, Camp Hill, PA 1701 (This Notice is given in accordance with Pa.R.C.P. 236. NOTICE SENT TO: PATRICK J MCGUGIN JR 104 AMY DR CARLISLE PA 17013-8810 STNTC/PANOJ W&A FILE NO. 124127349 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK Plaintiff NO. 055277 vs. CIVIL ACTION - LAW PATRICK J MCGUGIN, JR Defendant PRAECIPE TO SETTLE AND SATISFY Please mark the judgment in the above-entitled cause as paid and satisfied. Respectfully Submitted, By: ~ Amy F. Doyle #87062 Daniel F. Wolfson #20617 Philip C. Warholic #86341 Andrew C. Spears #87737 David R. G 26 onilyn M. Chi ie #87 ara . hasz #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., Suite 300 Camp Hill, PA 17011 (717) 303-6700 Cc: PATRICK J MCGUGIN, JR W&A File No. 124127349 ~t 1:: \'" )..J ~ ~ -- ~ ~ ~ ~ () () -v r f --r ~ ~ --J --1 ::r:.: :r: -rt ~ fYlp ;:0 -D 0:::, J:, ~_~ ~~ ~ !,Sl~~ r:~ ~ _r :-<: CP