HomeMy WebLinkAbout05-6263
II
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
I MBNA AMERICA BANK, N.A.
Plaintiff
CL~~L~
NO. D S' - t...."2W
vs.
CIVIL ACTION - LAW
JANE L. GERHOLD
Defendant
PLAINTIFF'S PETITION TO CONFIRM
ARBITRATION AWARD PURSUANT TO 42 Pa.C.S.A. 117313
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 Petition to Confirm Arbitration Award, and in support avers as follows:
I. 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 Papermill Road Mailstop 14111,
WILMINGTON, DE 19884.
2. RespondentlDefendant, JANE L. GERHOLD, is an adult individual with a last
known address of 802 CENTER ST., CUMBERLAND County, ENOLA, PA 17025.
3. Pursuant to the credit card agreement Defendant received when Plaintiff issued
Defendant an open end credit card account, which Defendlmt 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
LAW OFRCES
WOLPOFF&ABRAMSON.L.L.P. Terms and Conditions is attached hereto, incorporated herein and marked as Exhibit "A".
AITORNEYS IN THE PRACTICE
OF DEBT COLLECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP HILL. PA 17011
717-303-6700
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.
LAW OffiCES
WOLPOFF & ABRAMSON, LL.P.
A"ITORNEYS IN THE PRACTICE
OF DEBT COLLECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP HILL, PA 17011
717-303-6700
II
Ii
5. In response, pursuant to the terms the credit card agreement, Plaintiff referred this
! matter to the NAP 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 Four Hundred Eighty-Two Dollars and
Eighteen Cents ($6,482.18). 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.
LAW OffiCES
WOLPOFF & ABRAMSON, LL.P.
ATTORNEYS IN THE PRACTICE
OF DEBT COLLECTION
4660 TR1NOLE ROAD
THJRD FLOOR
CAMP HILL.., PA 17011
717-30~6700
II
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 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 Award, with the Court to have said
Arbitration Award vacated, modified and/or corrected.
LAW OffiCES
WOLPOFF & ABRAMSON, LLP.
A1TORNEYS IN THE PRACJ'ICE
OF DEBT COUECJ'ION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP Hill, PA 17011
1H"30~700
"
WHEREFORE, PlaintiffJPetitioner 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 Four Hundred Eighty-
Two Dollars and Eighteen Cents ($6,482.18).
Respectfully submitted,
~C~
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 the Practice of Debt Collection
4660 Trindle Rd., 3'd Floor
Camp Hill, PA 17011
(7 I 7) 303-6700
LAW OFFICES
WOLPOFF & ABRAMSON, LLP.
ATTORNEYS IN THE PRACTICE
OF DJ5:BT COLLECTION
4660 TRINDlE ROAD
THIRD FLOOR
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
I timely manner, they are authorized to take this verification on behalf of said PlaintifflMovant 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: /I /;)qJOJ"
I I
AmYF.8~~
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
LAW OFFICES
WOLPQFF & ABRAMSON, LLP.
A1TORNEYS IN THE PRACTICE
OF DEBT COUECTION
4660 TRINDlE ROAD
THIRD FLOOR
CAMP Hill, PA 17011
717-2I:}3-6700
II
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LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
AITORNEYS IN THE PRACTICE
OF DEBT COllECTION
4660 TRINOlE ROAD
THIRD FLOOR
CAMP Hill. PA 17011
717-303-6700
II
EXHIBIT "B"
9671
IN THE
NATIONAL ARBO'RATION FORUM
CLAIM
MBNA America Bank, N.A.
c/o Wolpoff & Abramson, LLP.
Attorneys in the Practice of Debt Collection
Two Irvington Centre
702 King Farm Btvd.
Rockvilte, MD 20850
CLAIMANT,
RE:
Forum File Number: F A0506000504813
Claimant File Number: 0139590298
Account No.: 5490995767296806
Card member Agreement Type: NJoXT90
Jane L Gerbotd
802 Center St
Enota P A 17025
RESPONDENT(SJ,
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 tbe 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
$5458.83 , as reflected in tbe attacbed account summary, ptus interest of $64.61 as of tbe date of filing, and at
6.00% tbereafter.
3. Despite repeated demands for payment, Respondent(s) bas/bave not paid tbe amounts due.
4. Claimant requests an Award for the amounts reflected in Paragraph 2, plus aU arbitration fees incurred, Process of Service
fees and Attorney Fees of $818.82 , if allowed by taw, equafing 15% of tbe outstanding principaf batance.
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 taw. See, 10 Del. Code Sec. 3912 (pteading & 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 tbis Claim and
the supporting documents attacbed 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:
k/~'
Bruce H. Cberkis, Esq.
ADMIITED: (MD, DC, PA)
Counsel for the Claimant
If Respondent or counsel wishes to contact Claimant, please call or write:
Paralegal Department
Wolpoff & Abramson, L.L.P.
Two Irvington Centre
702 King Farm Blvd., 5tb Floor
Rockville, MD 20850
1-800-830-2793
NAFCLM/NAF3 139A
9672
SUMMARY OF ACCOUNT INFORMATION
ACCOUNT STATUS REPORT
Date Fited: 06/24/2()()5
Account Number: 5490995767296806
Cardmember Agreemeut: NEXT90
Primary Account Hotder: JANE L GERHOLD
Address:
802 Center St
Enota, P A 17025
Home Phone:
Work Phone:
Social Security Number: 178408163
Secondary Account Hotder:
Address:
Home Phone:
Work Phone:
Principal Balance: $5458.83
Interest Rate: 6%
Date Assigned: 04/12/2005
INFORMATION DRAWN FROM ACCOUNT RECORDS AND CURRENT AS OF THE DATE FILED
139A
NAFCIA/NAF3
9673
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 WWWARBITRATION-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
139A
NAFCLS/NAF3
II
LAW OFFICES
WOLPOFf & ABRAMSON, L.L.P,
ATTORNEYS IN THE PRACTICF.
OF DEBT COLLECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP HIll, PA 17011
717-303-6700
EXHIBIT "C"
UPS Package Tracking
Page 1 of 1
.
OEUVERY NOTIFICATION
Dear Customer,
This is in response to your reQuest for delivery Information concerning the
shipment listed below.
lZ 274 762 29 4710 850 9
139590298 0139A, 139590298 0139A
NEXT DAY AIR SAVER
Jul 13, 2005
Ju114, 2005 6: 16 P.M.
802 CENTER ST
ENOLA, PA, US 17025
GERHOLD
Tracking Number:
Reference Number(s):
Service Type:
Shipped or Billed on:
DeliVered on:
Delivered to:
Location:
RESIDENTIAL
Thank you for giving us this opportunity to serve you.
Sincerely,
United Parcel Service
Tracking results provided by UPS: Jul 20, 20057:39 A.M. Eastern Time
(USA)
LAW OffiCES
WOLPOFF & ABRAMSON, LL.P.
ATTORNEYS IN THE PRACTICE
OF DEBT COLLECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP Hill, PA 17011
717-3Q3...67ClO
II
EXHIBIT "D"
III
NATIONAL
\.RBlTRATlON
FORUM@
September 12,2005
Jane L Gerhold
802 Center St
Enola, P A 17025
MBNA America Bank, N.A.
c/o Wolpoff & Abramson, L.L.P.
Paralegal Department
Attorneys in the Practice of Debt Collection
702 King Farm Blvd.
Two Irvington Centre
Rockville, MD 20850-5775
RE: MBNA America Bank, N.A. v Jane L Gerhold
File Number: FA0506000504813
Claimant Reference Number: 0139590298
Dear Parties:
Enclosed and served upon you by United States Mail is a copy ofthe Award, which has been
entered in this matter.
This case is now closed with the National Arbitration Forum. All future inquiries regarding this
case should be directed to the opposing Party.
Sincerely,
~~
Laura Johnson
Case Coordinator
Enclosure
III
NATIONAL
ARBITRATION
FORUM iB>
MBNA America Bank, N.A.
c/o Wolpoff & Abramson, L.L.P.
Attorneys in the Practice of Debt Collection
702 King Farm Blvd, Two Irvington Centre
Rockville, MD 20850-5775
Cl,AIMANT(s),
AWARD
RE: MBNA America Bank, N.A. v Jane L Gerhold
File Number: FA0506000504813
Claimant File Number: 5490995767296806
Jane L Gerhold
802 Center St
Enola, P A 17025
RESPONDENT(s).
The Iilldersigned Arbitrator in this case FINDS:
1. That no known conflict of interest exists.
2. That on or before 06/23/2005 the Parties entered into an agreement providing that this matter shall be resolved
through binding arbitration in accordance with the Forum Code of Procedure.
3. That the Claimant has filed a Claim with the Forum and served it on the Respondent in accordance with Rule 6.
4. That the matter has proceeded in accord with the applicable Forum Code of Procedure.
5. The Parties have had the opportunity to present all evidence and information to the Arbitrator.
6. That the Arbitrator has reviewed all evidence and information submitted in this case.
7. That the information and evidence submitted supports the issuance of an Award as stated.
Therefore, tbe Arbitrator ISSUES:
An Award in favor of the Claimant, for a total amount of $6,482.18.
Entered and Affirmed in the State of PeIUlsylvania
-/::!/aIy
Arbitrator
ACKNOWLEDGEMENT AND CERTIFICATE
OF SERVICE
TIlls Award was duly l;Dtered. and the Forum hereby
certifies that~co ~hil~~ was sent by first
class mail post e P, aid to Pa1<t,ies at the above
referenced a ,::0:1 ..' ~\entatives, on
1"'-'lllt :::>,
.-t\ ~"""Y
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\0\ --:;:
\,ofr \. .
~.J~ ~-<~J;!:..P-/- ..~
HonorableliiD-Oidti'aIina. Ret.
Director
Date: 09/12/2005
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LAW OFFICES
WOLPOFF & ABRAMSON, LL.P.
AITORNEYS IN THE PRACTICE
OF DEBT COLLECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP Hill, PA 17011
717-303-6700
II
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
NO.
() f - &?- &:5 0 V-I ( -f n....
VS.
CIvn~ ACTION - LAW
JANE L. GERHOLD
Defendant
MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF'S
PETITION TO CONFIRM ARBITRATION AWARD
AND NOW, TO WIT, comes the PetitionerlPlaintiff, MBNA AMERICA BANK,
"lA, 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 A ward, and in
support thereof avers as follows:
1. STATEMENT OF FACTS:
Defendant(s), JANE L GERHOLD, was/were issued an open end credit card account by
Plaintiff. Defendant(s) has/have been at all relevant times material hereto a regular user(s) of
this credit card for the purchase of products, goods andlor for obtaining services. Defendant(s)
has/have been provided with copies of the Statements of Account accurately showing all debits
and credits for transactions on the this credit card account; Defendant(s) never objected to the
above mentioned Statements of Account submitted by Plaintiff to Defendant(s) which detailed
the products and services purchased using this account.
In the event of a breach for nonpayment, pursuant to the Credit Card Agreement, the
paIties 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 NAP entered an Arbitration Award against the Defendant(s) in favor of the
Plaintiff in the amount of Six Thonsand Four Hundred Eighty-Two Dollars aIld Eighteen Cents
($6,482.18).
LAW OFFICES
WOLPOFF & ABRAMSON, L.L.P.
ATTORNEYS IN THE PRACTICE
OF DEBT COUECTlON
~ IRINDLE ROAD
THIRD FLOOR
CAMP HILL, f'A 17011
717-303-6700
"
- ,--
II.
ISSUE PRESENTED:
Pursuant to 42 Pa.C.S. ~7313 of the Uniform Arbitration Act, should this Honorable
Court confinn the Arbitration Award entered by the CNAF) against the DefendantCs) and in favor
of the Plaintiff.
III. ARGUMENT:
Contracts containing clauses providing for settlement of disputes arising thereunder by
arbitration are valid, and irrevocable except on such grounds as exist at law or in equity for the
revocation of any contract. General State Authority, to Use of Dunzik, v. John McShain, Inc., 25
A.2d 572, 573 CPa. 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, CPa.
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 CPa. Super.2001), reargument denied, appeal denied,
797 A.2d 914. Here, the account issued to Defendant by Plaintiff was governed by the
LAW OFFICES
WOLPOFF & ABRAMSON, I..LP.
A1TORNEYS IN THE PRACTICE
OF DEBT COllECTION
4660 TR1NDLE ROAD
THIRD FLOOR
CAMP Hill, PA 17011
717-303-6700
II
-r--
aforementioned card member agreement, which contained an Arbitration clause. By virtue of
I 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 stopped from challenging an agrt~ement 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 th<~ 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 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 FOlum 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.
LAW OFFICES
WOLPOFF & ABRAMSON, LL.P.
ATI'ORNEYS IN THE PRACTICE
OF DEBT COllECTION
4660 TRINDLE ROAD
THIRD FLOOR
CAMP HILL, PA 17011
717-303-6700
II
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
I 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. !l7314(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. !l7316. On an application of a Palty, 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. !l7313. 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. !l7314(a)(2); Racicot v. Erie Ins. Exchange, 837 A2d 496,500 (Pa. Super. 2003).
LAW OffiCES
WOLPOFF & ABRAMSON, LL.P.
AlTORNEYS IN THE PRACTICE
OF DEBT COlLECTION
4660 TRIND\..E l'lOAD
THIRD FLOOR
CAMP HILL. PA 17011
117.303.6700
II
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,
GrJ~
Amy F. Doyle 1187062
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'd Floor
Camp Hill, PA 17011
(717) 303-6700
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RB: Petition to Confirm ArbitratiOD Award
Sincerely.
WoJpoff &: Abramsoa. LLP.
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-06263 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK N A
VS
GERHOLD JANE L
DAVID MCKINNEY
Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within PETITION
was served upon
GERHOLD JANE L
the
RESPONDANT
, at 1800:00 HOURS, on the 21st day of December_, 2005
at 802 CENTER STREET
ENOLA, PA 17025
by handing to
JANE GERHOLD
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
14.40
.37
10.00
.00
42.77
.,'
.
c":--"';;:.';:
.-'::,,-:-,:;:{...-~..;:
R. Thomas Kline
12/22/2005
WOLPOFF & ABRAMSON
Sworn and Subscribed to before
By:
~~'.,
/:7 a -. vn-<II7
Deputy Sheriff
me this
0.-
Ii -
day of
JOO&'
A.D.