HomeMy WebLinkAbout05-5410
MAW 0R:Ie.
'I'M) IRVINGTON CENTRI
71lI KIlG FAIlIl8LVO. ROCKVLLE.IID _
AIQInNAL MFIeU
1GaJUl>>CtAL CA.. BLDQ. A-6. FAIRFAX, VA 22030
11011. MAWST.. STE.10Cl1.fUCHMOND. VA.1'
5121 GREEMVCH RO.. vlAGNIA BEACH. VA 23411
'''N. lMRKET ST.. STE. 1300. WIlJ.WGTON., DE 1_
1 VIlUVIW<<ELDG.BCIl lZ11.a.AAaIIL.RJ. 'NY 2ISOI
.. TOWNlGATE RD., 1310. WElnAKE VUJ4E. CA 11311
....'TMtDlE~. 3ADFLOOR. CMF'Hl.L. PA 17011
3110O HtQH POWTE "YO.. STE. ZIG. NCM." "'71-6501
3GOCANAL VIEW &.'10.. AOOEITER. tN 14.
751NORnt CA.P.AOlL AvE.. SOU'M..AKE. TX 7tOIGH41a
1100lAIT0NBUR'I" ELVO" GlASTCNIUfIY, CT~
LAW OFFICES
WOLPOFF . ABRAMSON, L.L.P.
A/lotNyIIn IN _ at o.bt CoIectIan
(A N_ CalIocIlDn MI<lrMy N_ Ann)
4660 TRINOlE ROAD
3RD flOOR
CAMP HU. PA 17011
717.303-8700
OUTSIDE THE CAMP HILL LOCAL AREA
(TOlL FREE)
1-800-751-0875
FACSIMILE 717-737,11051
PLEASe OIRECT AlL INQlJIRIES TO THE CAMP HIU OFFICE
65 -g'L/ 10
A TIN: Prothonotary/Court Administration
RE: Petition to Confinn Arbitration Award
Dear Clerk:
e ,
FT. \.A\JCEADALE. A.OAlDA
NOACl108I, GE"""'"
HClHOL.u.u. HAWAI
1lOISE,IOIoHD
CHICAGO.IU.NOI&
MERAlJ.Vu.E. NOlANA
KANSAlCll't .1WtSAI
lEXWGTON, KENTUCKY
METAIfUI. LOUIS~
MINNEAPQ.JS. MNrESOT A
ST. LOU'" LtlSSOURI
GREAT FAU.S. MONTANA
""""'..-
LAS VEGAS. NEVADA
MANCHESTER. NEW ~
CEDAR KNOU.S. NEW JERSEY
..... CNO."
FAAGO. NORlH DAKOTA
CL.fVEl.AHD. ClHeO
ClKlAHOMA cnv, CIIQ.AI'tOI
EUGENE, OREGoN
PROVIDENCE, RHODE 1SI..A
COLUMBIA. SOUTH CAAOlI
lOtOXVUJ:. UNESSEE
HOUSTON. ......
SMOY. UTAH
t&WN..l(f.E. WlSCOHSfrt
RAWLM. WYOWG
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Please be advised that the undersigned represents the interest of the Plaintiff pursuant to this
matter. Kindly note that the Petition to Confirm 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 dateJrule 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.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, NA
Plaintiff
NO. OS -.5'410
CI'0LLY8L~
VS.
CIVIL ACTION - LAW
STEPHANIE J. SECHRIST
Defendant
RULE
ANn NOW, this
day of
, 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
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, NA
Plaintiff
NO. OS' - S4JO
C'oi.L y&.~
vs.
CIVIL ACTION - LAW
STEPHANIE J, SECHRIST
Defendant
RULE
AND NOW, this _ day of
, 2005, upon consideration of
the within Plaintiff's Petition to Confirm Foreign Arbitration Award, a hearing shall be
scheduled in the above captioned action for the _ day of
20_, at
a.mJp.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, N.A.
Plaintiff
NO, OS- -~'iJD C;u~l ~ER-",\
vs.
CIVIL ACTION - LAW
STEPHANIE J. SECHRIST
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, 97313, and that
judgment be entered in favor of Plaintiff and against Defendant in the amount of Twenty
Thousand Seven Hundred Thirty-Nine Dollars and Forty-Three Cents ($20,739.43).
BY THE COURT:
J.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
NO. 65' - ~l.J'D CI.>~L 'T~""\.
vs.
CIVIL ACTION - LAW
STEPHANIE J. SECHRIST
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, NA,
by and through its attorneys and the law firm ofWolpoff & 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. RespondentJDefendant, STEPHANIE 1. SECHRIST, is an adult individual with a
last known address of 2491 GLIME DRIVE, CUMBERLAND COUNTY, MECHANICSBURG,
PA 17055.
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 Award was entered in favor of Plaintiff and against
Defendant in the amount of Twenty Thousand Seven Hundred Thirty-Nine Dollars and
Forty-Three Cents ($20,739.43). 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 A ward, 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 reliefrequested 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 A ward; 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 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 Twenty Thousand Seven Hundred
Thirty-Nine Dollars and Forty-Three Cents ($20,739.43),
Respectfully submitted,
~~~
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, LLP
Attorneys in lhe Practice of Debt Collection
4660 Trindle Rd., 3'd Floor
CampHill,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 unsworn falsification to authorities.
Date: -..1aJ I~ )os-
I
C\J el
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, LLP
Allomeys in the Practice of Debt Collection
4660 Trindle Rd., 3'd Floor
Camp Hill, PA 17011
(717) 303-6700
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2971
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: FA0410000340022
Claimaut File Number: 0120808915
Account No,: 5490998999318521
Card member Agreement Type: NEXT90
StephanieJ Sechrist
2491 Glime Dr
Mechanicsburg P A 17055-5374
RESPONDENT(S),
For a Claim against Responde:nt(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
$16961.65 ,as reflected in the attached acx;ount summary, plus interest of $549.28 as of the date offiling, 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 $2544.24 , 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 attacbed 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
tbe 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:
~/~'
Bruce H. Cherkis, Esq.
ADMlITED: (MD, DC, PAl
Counsel for the Claimant
If Respondent or counsel wishes to contact Claimant, please call or write:
Paralegal Departmeut
WolpolT & Abramson, L.L.P,
Two Irvington Centre
702 King Farm Blvd" 5th Floor
Rockville, MD 20850
1.800.830.2793
NAFCLM/NAF3 75A
2972
SUMMARY OF ACCOUNT INFORMATION
ACCOUNT STATUS REPORT
Dale Filed: 10/08/2004
Account Number: 5490998999318521
Cardmember Agreement: NEXT90
Primary Account Holder: STEPHANIE J SECHRIST
Address:
2491 Glime Dr
Mechanicsburg, P A 17055-5374
Home Phone:
Work Phone:
Social Security Number: 188626402
Secondary Account Holder:
Address:
Home Phone:
Work Phone:
Principal Balance: $16961.65
Interest Rate: 6%
Date Assigned: 03/24/2004
JNFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF TIIE DATE FILED
75A
NAFCL4jNAF3
2973
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,COMor
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 lhis 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 lhe 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
75A
NAFCI5;NAF3
NATIONAL ARBITRATION FORUM
MBNA AMERICA BANK, NA
PLAINTIFF {PETITIONER
CAUSE #: FA0410000340022
DEaARATION OF SERVICE OF:
ARBITRATION CLAIM
VS.
STEPHANIE J SECHRIST
DEFENDANf/RESPONDANf
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 eighreen, not an officer of a plaintiff corporation, not a pany to nor interested in the above entitled action, and is
competent to be a wimess therein,
On the date and time of ~ -3-ds-' /",.:..0 P::Y at the address of ,.;?V9/ ~.ti-vJe '"M.
cityof f"1ec:JIAfijc.s~ , coulltyof C(4YlNr-/I4.Nd
state of R~Y/vA/J/A , this declarant se;"ed the above described documents upon:
STEPHANIE J SECHRIST
o Personal Service
by then and there personally delivering _ true and correct copy(ies) thereof.
No information was provided that indicates that the subjects served are members of the US. mili
Dated
d..
3 ,20 th at
-o;y- y;;,:-
IJ" LL\ i:I:M f:>, N\t \J':.----S 'JL
Typed or Printed Name of Proo9ss $ervet
Month
0,C\,v- \ >:> ~
City
Stale
ABC Legal Services, Inc.
910 5th Ave. Seattle, WA 98104
(206) S21-9OOO
TRACKING #: 3638694
III1IIIIII
ORIGINAL
PROOF OF SERVICE
Wotpoff & Abramson, LLP
III
NATIONAL
ARBITRATION
FORUM ~
MBNA America Bank, NA
c/o Wolpoff & Abramson, L.L.P.
Attorneys in the Practice of Debt Collection
702 King Farm Blvd, Two Irvington Centre
RockYilIe, MD 20850-5775
CLAlMANT(s),
AWARD
RE: MBNA America Bank, N,A, v Stephanie J Sechrist
File Number: F A04100003400n
Claimant File Number: 5490998999318521
Stephanie J Sechrist
2491 Glime Dr
Mechanicsburg, P A 17055-5374
RESPONDENT(s).
The undersigned Arbitrator in this case FINDS:
I. That no known conflict of interest exists.
2, That on or before 10/07/2004 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 Forwn 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 $20,739.43,
Entered in the State of Pennsylvania
~Wv
Mark A, Welge, sq. '
Arbitrator
ACKNOWLEDGEMENT AND CERTIFICATE
OF SERVICE
This Award was duly $D1eredand the Forwn hereby
certifies that a copY'il,Ml1illffi#ar<i. was sent by first
class mail postllie preprod to ~. P3rties at the above
referenced add., rne(ffj) .'. ..~~en." tatives, on
,""" ~ tl \ft\
I"'" .--"
--.....: ; 0;;,
'--I ' -,
"0''- ........jC,
\~\ /"I..t,_/
~.J.\-9'/'" ~ /~ r-
,< ,,'-...- ~
....., ':('~, )\12- G'
HOll0rable H:trohl"lCalina, Ret.
Director
Date: 04/05/2005
);) ~ ~
Ii 1 ~
~
'- .
~ :B C1
~ -...0
r~it!
-i
~~ ~n) 8
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, C) ";~J
.<
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1--'
<''Ii
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
NO. 0:;- 5,//0 C{.~ t..v--
vs.
CIVIL ACTION - LAW
STEPHANIE J _ SECHRIST
Defendant
MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S
PETITION TO CONFIRM ARBITRATION AWARD
AND NOW, TO WIT, comes the PetitionerlPlaintiff, 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), STEPHANIE J. SECHRIST, 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 Twenty Thousand Seven Hundred Thirty-Nine Dollars and
Forty-Three Cents ($20,739.43),
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.
IlL 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, 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 V.S.C.,
Section 2; see also Bouriez v. Camegie 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 stopped 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,
97303.
As outlined in Plaintiff's 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 97314, 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 97314(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 97316. 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 97313. 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. 97314(a)(2); Racicot v. Erie Ins. Exchange, 837 A2d 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) was/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 Plaintiff's 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 Confirm its
Arbitration A ward.
Respectfully submitted,
(klQ~
Amy F. Doyle #870 2
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, LLP
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., 3" Floor
Camp Hill, PA 17011
(717) 303-6700
SHERIFF'S RETURN ~ REGULAR
CASE NO: 2005~05410 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK NA
VS
SECHRIST STEPHANIE J
RONALD HOOVER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within PETITION
was served upon
SECHRIST STEPHANIE J
the
RESPONDANT
, at 1030:00 HOURS, on the 7th day of November, 2005
at 1505 ENGLISH DRIVE
MECHANICSBURG, PA 17055
by handing to
STEPHANIE SECHRIST
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
Service
Postage
Surcharge
So Answers:
18,00
21.12
,37
10,00
.00
49.49
r~~~~
R, Thomas Kline
11/09/2005
WOLPOFF & ABRAMSON
Sworn and Subscribed to before
By:
~~
Deputy Sheriff
me this .2;;.......c day of
'~~ AD
. Pro otaf
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A,
Plaintiff
NO. 05-5410
vs,
CIVIL ACTION - LAW
STEPHANIE J, SECHRIST
Defendant
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
Respectfully Submitted,
~
Amy F. Doyle #87062
Daniel F. Wolfson #20617
Philip C. Warho]ic #86341
Andrew C. Spears #87737
David R. Galloway #87326
Tonilyn M. Chippie #87852
Sarah E, Ehasz #86469
Robert E. Polas, Jr. #20]259
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
120808915