HomeMy WebLinkAbout06-2820IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A. No. U l (?
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
Plaintiff
VS
GERTRUDE G LUCIDON
1910 SPRING RD
CARLISLE PA 17013
Defendant(s)
CIVIL ACTION - LAW
Filed on behalf of:
Plaintiff, MBNA AMERICA BANK, N.A.
Counsel of record for this party:
Date:
Amy F. Doyle #87062 / Daniel F. Wolfson #20617
Philip C. Warholic #86341 / Andrew C Spcars
David R. Galloway #87326) omlyn M Chiooie
Sarah E. Ehasz #86469 / Robert N. Polas, Jr. #201259
Bruce H. Cherkis #18837 / Ronald S. Canter #94000
Ronald M. Abramson #94266
WOLPOFF & ABRAMSON, L.L.P.
Attorneys in the Practice of Debt Collection
4660 Trindle Road, 3rd Floor
Camp Hill, PA 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
W&A File No. 151029461
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
VS
GERTRUDE G LUCIDON
Defendant(s)
:No.
:CIVIL ACTION - LAW
NOTICE
You have been sued in Court. If you wish to defend against the claims set forth in the following
pages, you must take action within twenty (20) days after this Complaint and Notice are served,
by entering a written appearance personally or by an attorney and filing in writing with the Court
your defenses or objections to the claims set forth against you. You are warned that if you fail to
do so, the case may proceed without you and a judgment may be entered against you by the
Court without further notice for any money claimed or any other claim or relief requested by the
Plaintiff. You may lose money or property rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE
SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET HELP. THIS OFFICE CAN
PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013-
717-249-3166
CCP Notice to Defend
W&A File No. 151029461
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
:No.
VS
GERTRUDE G LUCIDON
Defendant(s)
:CIVIL ACTION - LAW
NOTICIA
USTED HA SIDO DEMANDADOIA EN LA CORTE. Si usted desea defender conta la
demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias
despu6s que esta Demanda y Aviso es servido, con entrando por escrito una aparencia
personalmente o por un abogado y archivando por escrito con la Corte sus defensas o objeciones
a las demandas puestas en esta contra usted. Usted es advertido que si falla de hacerlo el caso
puede proceder sin usted y un juzgamiento puede ser entrado conta usted por la Corte sin mas
aviso por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio
solicitado por Demandante. Usted puede perder dinero o propiedad o otros derechos importante
para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED
NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA
AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO
CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE
PROVEERE INFORMACION ACERCA AGENCIAS. QUE PUEDAN OFRECER
SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O
GRATIS.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013-
717-249-3166
CCP Notice to Defend
W&A File No. 151029461
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, : No. ? - dad
Plaintiff ff
vs.
GERTRUDE G LUCIDON
Defendant(s)
CIVIL ACTION - LAW
COMPLAINT
AND NOW, this 03 day of May, 2006, comes the Plaintiff, MBNA America Bank, N.A., by and
through its attorneys, the law firm of Wolpoff & Abramson, L.L.P., and files the within Complaint and
in support avers as follows:
Plaintiff, MBNA AMERICA BANK, N.A., is a National Banking Association organized
under the National Banking Act with principal place of business situated at P.O. Box 15718,
WILMINGTON, DELAWARE 19850.
2. Defendant, GERTRUDE G LUCIDON, is an adult individual with a last known address
of 1910 SPRING RD, CARLISLE, CUMBERLAND COUNTY, PA 17013.
It is averred that Defendant was issued an open-end credit card account by Plaintiff. This
account was created through a written contract between Plaintiff and Defendant, accepted by Defendant
when he signed and utilized the credit card account. A true and correct copy of the Credit Card
Agreement governing this account is attached hereto as Exhibit "A."
4. The Credit Card Agreement contains a binding Arbitration provision providing that any
claim or dispute between Defendant and Plaintiff would be subject to binding arbitration before the
National Arbitration Forum (NAF). This Credit Card Agreement also recites that since the agreement
involved an instrumentality of interstate commerce, that the Federal Arbitration Act, 9 U.S.C. §§1-16
CCP Cmplt - MBNA
W & A File No. 151029461
(FAA) governed the Agreement and that following disposition through the NAF, judgment may be
entered in any state court having jurisdiction.
At all relevant times material hereto, Defendant has been regular user of said charge card
for the purchase of products, goods and/or for obtaining services and/or funds.
6. By virtue of Defendant's use and maintenance of this credit card in connection with his
purchases of goods, and services, he became bound to all of its contractual terms, which clearly included
an arbitration agreement. Therefore, there is a valid agreement to arbitrate and Defendant consented to
the NAF having jurisdiction over this claim.
Defendant received monthly statements which accurately state all purchases and
payments made during the month, interest charges imposed on the unpaid balance, and the amount due.
A summary of the account showing the balance due and owing is incorporated herein and marked as
Exhibit "B".
8. Defendant did not object to the above-mentioned Statements of Account submitted by
Plaintiff to Defendant.
9. Defendant has made sporadic and irregular payments, if any, which have been applied to
the outstanding balance of this account.
10. As of the date of the within Complaint, the remaining balance due, owing and unpaid on
Defendant's credit account, as a result of charges made by said Defendant and/or any authorized users is
the sum of $4,683.07.
11. Pursuant to the Credit Agreement and/or applicable Pennsylvania law, any unpaid and/or
delinquent balances on said account shall continue to bear interest at the rate of 18 %.
12. The amount of interest which has accrued on the aforementioned account is the sum of
$1,096.98.
CCP Cmplt - MBNA
W & A File No. 151029461
13. Plaintiff has retained the services of the law firm of Wolpoff & Abramson, L.L.P. in the
collection of the amount due from Defendant.
14. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from
the law office of Wolpoff & Abramson, L.L.P. in the collection of the collection of the amounts due
from Defendant incident to the within action, the Plaintiff shall continue to incur such attorney's fees
throughout the conclusion of the proceedings.
15. The amount of attorney's fees incurred in this matter is the sum of $936.61.
16. Despite reasonable and repeated demands for payment, Defendant has failed, refused and
continues to refuse to pay all sums due and owing on the aforementioned account balance, all to the
damage and detriment of the Plaintiff.
17. Any and all conditions precedent to the bringing of this action have been performed by
Plaintiff.
18. The amount in controversy is within the jurisdictional amount requiring compulsory
arbitration.
CCP Cmplt - MBNA
W & A File No. 151029461
WHEREFORE, Plaintiff, MBNA America Bank, N.A., respectfully requests this Honorable
Court enter judgment in favor of Plaintiff and against Defendants, in the amount of $4,683.07, plus
interest in the amount of $1,096.98, plus attorney's fees in the amount of $936.61, plus costs of this
action and any other relief as this Court deems proper and just.
Date: L?Ju4Respectfully submitted,
4
Amy F. Doyle #87062 / Daniel F. Wolfson #20617
Philip C. Warholic #863411 Andrew C. S ars #87737
David R. Galloway #873 6Z7Conilyn M Chippie #878
Sarah E. Ehasz #86469 / Robert N. Polas, Jr. #201259
Bruce H. Cherkis #18837 / Ronald S. Canter #94000
Ronald M. Abramson #94266
WOLPOFF & ABRAMSON, L.L.P.
Attorneys in the Practice of Debt Collection
4660 Trindle Road, 3rd Floor
Camp Hill, PA 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
CCP Cmplt - MBNA
W & A File No. 151029461
VERIFICATION
The undersigned hereby states that he/she is the attorney for the Plaintiff, MBNA America Bank,
N.A., who is located outside of this jurisdiction and in order to file the within document in an expedient
and timely manner, he/she is authorized to take this verification on behalf of said Plaintiff in the within
action and verifies that the statements made in the foregoing Complaint are true and correct to the best
of his/her knowledge, information, and belief, based upon information provided by the Plaintiff.
The undersigned understands that false statements herein are made subject to the penalties of 18
Pa.C.S. Section 4904, relating to unswom falsification to authorities.
Date: zp??
Amy F. Doyle #87062 / Daniel F. Wolfson #20617
Philip C. Warholic #86341 / Andrew C. S ears #87737
David R. Galloway #8732 om n M. Chi ie #87852
Sarah E. Ehasz #86469 / Robert N. Polas, Jr. #201259
Bruce H. Cherkis #18837 / Ronald S. Canter #94000
Ronald M. Abramson #94266
WOLPOFF & ABRAMSON, L.L.P.
Attorneys in the Practice of Debt Collection
4660 Trindle Road, 3rd Floor
Camp Hill, PA 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
CCP Cmplt - MBNA
W & A File No. 151029461
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Exhibit "B"
CLIENT NO 001888 MBNA ACCT#4264299999947915 BALANCE -- 4,683.07
****** PRIMARY DEBTOR ***** C/O DATE 12/30/04 LSTPY DT 12/06/04
*M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME
4264299999947915 A I LUCIDON
*M-FIRST-NAME *M-ADDR-1 *M-ADDR-2
GERTRUDE G 400 GLENDALE RD APT 32H
*M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH
HAVERTOWN PA 19083 6103560337
*M-WORK-PH *M-DOB *M-POE-NAME
0000000000 03/15/36 SELF EMPLOYD ??
*M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER
LV01 OV0001
*M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE
SECO 018
*M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE
210 0000 12/30/04 04/22/97 12/30/04
*M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL
12/06/04 4,683.07 .00 .00 4,683.07
*M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1
4,683.07 .00 .00 AAM1233456777
*M-COMMENT-2
000 20051108 0000000
*M-COMMENT-3 *M-COMMENT-DATE
11/08/05
*M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME
.00 .00
*M-MONTHLY-PYMT*M-OTHER-PYMT*M-OW N-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE
.00 .00 R 0703
* M-LAST- I NT-DATE*M-LAST-CONTACT-DATE* M-COM M-RATE * M-HOME-PH-F LAG * M-WORK-PH-F LAG
0000
*M-ADDR-FLAG*M-SSN *M-MIO*M-AG
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2006-02820 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
MBNA AMERICA BANK NA
VS
LUCIDON GERTRUDE G
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
LUCIDON GERTRUDE G but was
unable to locate Her in his bailiwick. He therefore returns the --
COMPLAINT & NOTICE
, NOT FOUND , as to
the within named DEFENDANT , LUCIDON GERTRUDE G
1910 SPRING ROAD
CARLISLE, PA 17013
DEFENDANT MOVED TO FLORIDA APPROXIMATELY
THREE YEARS AGO.
Sheriff's Costs: So answers, f -'
Docketing 18.00'
Service 4.40
Not Found 5.00 R. Thomas Kline
Surcharge 10.00 Sheriff of Cumberland County
.00
37.40,/ WOLPOFF & ABRAMSON
06/13/2006
Sworn and Subscribed to before
me this day of ,
A. D.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
MBNA America Bank, N.A.
Plaintiff NO. 06-2820
vs.
Gertrude G Lucidon
CIVIL ACTION - LAW
Defendant
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
Respectfully Submitted,
Amy F. Doy #87062
Philip C. Wa olic #86341 /
David R. Gallo ay #87326../
Sarah E. Ehasz #86469
Robert N. Polas, Jr. #201259
MANN BRACKEN LLP
The Successor by Merger to Wolpoff & Abramson, LLP
and Eskanos & Adler, PC
Attorneys in the Practice of Debt Collection
4660 Trindle Rd., Suite 300
Camp Hill, PA 17011
(717) 303-6700
151029461
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