HomeMy WebLinkAbout06-2946
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
MBNA
Plaintiff
No: Of.. - Ot qLfb
C,oL~W]
vs.
COMPLAINT IN CIVIL ACTION
SHARON L KRISTOFEK
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 2718
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
05208731 C A Pit WLG
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
MBNA
Plaintiff
vs.
Civil Action No
SHARON L KRISTOFEK
Defendant
COMPLAINT AND NOTICE TO DEFEND
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 jUdgmenS,))lj'l.Y be entered against you by the
court without further notice for a~Y..ll\oney claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other 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 LEGAL HELP.
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.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
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COMPLAINT
1. Plaintiff, MBNA , is a corporation located in ATLANTA, GA .
2. Defendant is adult individual(s) residing at the address listed
below:
SHARON L KRISTOFEK
26 CORAL DR
CARLISLE, PA 17013
3. Plaintiff and Defendant entered into a Cardmember Agreement for a
credit card bearing the account number 4264296997458176 . A true and
correct copy of the Cardmember Agreement is attached hereto, marked as
Exhibit "1" and made a part hereof.
4. This account was subsequently assigned to Plaintiff for value.
5. The Cardholder Agreement contains a provision to settle by
arbitration any claim, dispute or controversy arising from or relating
in any way to the Cardholder Agreement.
6. Defendant made use of said credit card and has currently a balance
due and owing to Plaintiff, as of May 16, 2006 , in the amount of
$27690.68 .
7. Defendant is in default of the terms of the Cardholder Agreement
having not made monthly payments to Plaintiff thereby rendering the
entire balance immediately due and payable.
8. Plaintiff avers that Plaintiff is entitled to the addition of
finance charges at the statutory tate of 6.000% per annum on the
unpaid balance.
9. Although repeatedly requested to do so by Plaintiff, Defendant has
willfully failed to and/or refused to pay the principal balance,
finance charges or any part thereof to Plaintiff.
Wherefore, the Plaintiff prays for Judgment in its favor and
against Defendant , SHARON L KRISTOFEK , INDIVIDUALLY , in the amount
of $27690.68 with continuing finance charges thereon at the rate of
6.000% per annum from May 16, 2006 plus costs; or in the alternative,
an order directing the parties to arbitrate this dispute pursuant to
the terms contained in the Cardholder Agreement.
R
L.P.A.
2718
This law firm is a debt collector attempting to collect this debt for
our client and any information obtained will be used for that purpose.
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~-~""---f .CrgJjJ-.CAl'd Agreement II
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General
In this aedit Carel Ae;reement. the words "you' and
"your" refer to each and all of the persons who accept a
credit ~rcl ~sued by U$ or UTld~r an ~unt we hold.
This CleditCard /lireemenL llhteo^ifeemenn consiSts
of this document and the terms and condiClons set forth
[n the ReQuired Federal J)\sc:!OSUfP.S seetlnn of the
a~pan)'i/lJ aucI carrier. which is Incorporated herein
llnd made I part he~f. The words. .we," 'us; 'our" and
"MBNA America- mean M6NA Mlerlca Bank, N A
When V\)u accept Dr use the acxount, )'ou agree to the
terms In this Aareement, You should sien your card
be/Dre you use It.
Youcon;eotto and authorize MBNAAmorico, anyof/ts
affiliates, Ctl'lts matbtlrli usociates to monitor andlor
recOld any of yOur telephone c:ormations with our repre-
sentatives or the ~tallves of any of those COI'lIpanlt's.
NI CllPltali:ed terms n..t dellned hell!/n shall have the
munine'ss defined In the Requi~ ~"ederl\ J)\sdosures
section ti your taid omler.
!liformatlon Gatnering and SFuuing
Frolll time to time, W~ msy obtain updatecllnforma-
tlon about you lncludlrlio for example. credit Informa.
'tlon. We may sharo InformatIon about you with aedit
reporting DgenoH and others, Includinc merc:hant$, and
.amone. compllnies affilillted ...IU, Ull. You may request .
that inlonnatlon about you not be shared among our'
llfllllates, otIler than Information pertaining solely to
. transactlons or experll!'n~!1 between you and Ui (or In
MBNA America afAUate). by writing us at MflNA. Affilliltl!
Information Sharlng, P.O, Sox ":142. Wllmll'lilon. DE
195'Oo~~2, I'/ease Include )lOur name. address, home
phone number and all MBNA America acccunt numbel'l.
If you ~line that Inaccurate or Inc:ompletl! information
about yOu or~ut account has been shared by us with a
credit reportlne aeeney, write to us at: MBNA. Credit
Reporting Alandes. P,O. SOli 17054. WUmil'lCtOn, DE
19884.70'4. l'laaso Include your narne, address, home
pholll:! number, and ao:ount number. and eltpJaln which
Intonnatlon ~ou believe Is inaccurate 01' Inl:Ql'nplete.
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'''"7::' :'"----'~-c-4-=--~HOW-Tu'tJse Your Aa.ount
I YOLl may use your credit card to purc:hase or lease
I. goods or services from persons who honOl the card. You
I ma~ alsn use your ~rd to obtaln ~sh t.dViI'lCCs. You
I m.y not use' . Check cuh Advan~, or ilny otne{ Cash
j ^dvanc:e. to make II pll)'TTlenr on this or any other cred1t
'/ account with us. You may not use your account for busl-
I ness or commercial purposes.
1 CertaIn esl:IIblislullents may cash your pe/'$onlll d1ecl3
! upon presentment ot your carel. In the event we 2l1!
I required to pay the amount of I ched: cuhec:I in this way
I becalM the c:heck Is not paid 1e>r IIn7 IUSI:IIl. we will
. charcc your lI\X01ll1t Colli Cash Mvarn In the amount of
, the d1eck and any processing d1alie \Ie actually incJt
I If you permit an)' p8l'JO/l to hIve occen to }'Our ullLl
or account number with lhl;lauthorlxatlon to make II
( chlllie, you may be liable for all chalies made by that
person Including charies for which )lOU may not have
- Intended In be liable.
The transactlon date for c;necl:. Cash Advances Ind
~Iance iransfers I.s the date you or thG pelSOn to whom
, the checX Is madef.;lysbl(! first depoJits or can. the
ched:: Tbe trOlns~ctIol'l date for II retul/led payment la .
B4nk Cash Mvalll.~) Is the date that the correspondln,
paymenl posted to your account.
YQU may requ~ a stop payment on Clled Cash
't'\dvaI'll:eSbyprovldlng liS with the check number, dollar .'
.. llll1Qunt,lInd payee~ctlyas they appear on the Ched:
.: Cash Advance. Ora} end. written Slop payment requests
on Check Cash Advan~ arQ effective for sbe months from
, thecday that we plllc;e-thestuJ.l payment on your 8Ct1)1.Int.
You may not use a postdated Chec:lt CadI Acmnce to
obtain ~it under your .ccount. If leu do postdate iI
Check Cash l\r;Hance, we IThIY dtl.t to honor It upon pre-
$erltment or return It unpalCllo the party which presented
It to us for payment, without in either caSP. aw~tiOJ the
date shown on the Check Cuh Advance. Wr: lire not liable
to)'ell fer any loss or ClIpen,e Incunal by you ar1slng out of
. the action we elett to take.
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Re~f1!te"!
You promise to pay us the Dmounts of 1111 credit you
obtaIn: this Includes 1111 purt:hllses. cash advances, fees.
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your account and FInance Charges.
_. ~.~. . You mal4'8l ~e entire ;!!'!ount OUI5~p.r!l."!C~~ any
time. You must pay each month at least tho minimum
PaYment shown on your month~; statement II you over.
payor If a credit balance I~ otherwi&e a'lated In your
Iccount. WI) will not pay Interest on such amounts. Your
. piynlenl....in be allocated In a manner we determine. In
- most Instances, we wlll allOcite your payments to balances
Iind udiria n", transactlons) with IOWllr APRJ before
balances with higher APRs. This will ruullln new bal.
11n~ with I !uwt:1 rate or Interest belll& paid before any
other m~lni balances. All payments ...ill be credited to
your account for the billlne cycle In 1Vhich each payment
Is recelveClj hOWfVBr. your available credit rTIlI)' not be
Incr=ased by the amount of ~ pilyment until )Our
funds hive cleared. Minimum monthly payments can-
not be mlde In advlnce and paymenU maM In IUI)'
bi/line cycle whlq, are eruter than the minimum ~y.
!T1ent duo wll/ nQt efiect )'Qur oblleallun to ma~ subse.
qutllt,tt1Lnlmum payments each month. We an reject
payments not denominated In U.S. dollars or not drawn
_. on a V.s. Bank. ~~~ shall OP~te as an ICQ)rd
and utlslattlon without .the. prior written approvafof it
senior olfk.1:lt of MBNAAmedca. -
Ail P$BOns who Initially or subsequently request.
ac:cept or us. the oecoUnt a~ If'ldi~ldua11y and ~ther
respQTI$ible for C1l1Yl;1uU;tandlni balanee. If two or more
])eISOTlS aT! responslble to pay any outstal'lcline balance.
u_ weiJ)ay refuse toredeaseany ofthem from liability until
-- all Nfhlil1n~pffeq caidi;~ut5tandinc under the account
. _ -.1l~1x:ciI retgmedtQU$i[l\Jth~ balance IS paid In filiI.
Re.uoftSfor R~qltlrin9 Immediate
B!!I!1lsnt ---'-
. You wiD be In default and we can reqUIN immedIate
payment o{lIll amounts )'OUQWC iI. II) you (all to make
any requltcdpayment by the- ?lI)'1nem Due Date; l~l your
New Balance Total exceeds your credit limit. or if we
have established a separate ~sh ADVllnCl! credit limit
for you, your outstanding C;~h ,A,dvancc balente e;ceeeds
your Cash Mvanee credit limit: or (3l you fall to abIde by any other Lerms of thIs Agreement.
If you dPFal.llt, unless prohiblttd by appliCllble law. w=
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sonabJe attom!Y's fee If we refer your ao::oun\ for collec-
tion to an attorney who \$ not VUI salarted employee.
Our failure to e.'Cerclse any or otlr rlihts when you
default does not mean that we aTe unable to exercl$e
those rlcht. upon later de!;rult.
PIIJlrMnt H()Utl4Y$
We may allow you. From time to Ume, to omIt a
. monthly payment. We wiD nQtlfr )'Ou when this option
b av.llable. If you om/t a payment, Finance Charees
and credn Insurance p~mlums. [f any. will accrue on
your' balance In lIttOI'dana. with till. ^creemCl'lt. The
requirement that yell make . mInimum payment each
month W11J resume rl.llJowIfli your pa\'!lleflt holldey.
CFMrgt. MII~.ln Foreign Cu"endes
If youlneur 8 Chara' In . fon:icn currency, the tharge
WIll be converted bl' Vislllllwmatlonal or MasterCard
international, clependini on whlc:h card you use. Into a
V.s.dQllar BtnOllnt in eecordance'wlth the ClpQr.ltfAl
.'lltlons or C'nnversiQn proceduTe5 in elCea. at !.he
,'tI1YIl!fhat the ttans.iet/on is pl'Otessed. Currently, those
regul.tlona I/'ld~ures pto'l\de that the currency
cr,invers!on rate to be used Is either (J) a wholesale
.m~Il:atra~e PLm, a eove(nm~lJ~rnandated rllte In efr~
I ' -, on,e day prior to the procustncdate, (ntreased by one
,C"-~i-::,~~IJer;entlneiehe!$e. 'lfsaorMastercard retains this
, ,: ,'~e~a.:ntils compens$tlOl))orperformlna the cunen-
"_c,.:...;;,,,- '~"c: ,,:.:' Cf c.~n'emon-'s!Mce:~ 'I'!1~ditrtrity convQrdon rate In '
, . effect ~n the ptOcessina ~t. moy differ from the rite In
, Rlrelionthettan$QclJon date onhf:! posUne dale.
Billing Cflck
A,biDlng cycle. beiln.~ ontne day afttr the do.ITI{! dat,
shQWI1011 yt.wr ictOunt'll prec~il'l'IlILlnthly statement
and IInds 0'1'1 the cIosiJli date that appeats on your
.ccounn statement for the current month.
A,wunt Fees 4nd Cftarges
keollllt Feesr The followlne fees, which are set forth
on )'Qur card ~rr1er. are assessed as Purchases in the
billing cycle In whIch s,ucl1 cha~s a~el (1}8 Late
Fee; (2) if your armunt Is QV!rl/mit lC\'tn if fees Qr
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Fi!1ance chafiel ilS$essed by U5 cause your New Balance
Towl to =xceed your credit limit) on the last day of II
blll/ne cycle. an OVirlimlt Fee Is charr;ed to yolllllttOUnt
as of the' day In tile billinl C)'clll that YOUI atcOW'lt went
over tile a-edit limit; m a Ketumecl Payment Fee II a pay-
ment on your account Is returned ror inJ:uffldont funds or
ror any ot:h~r reason. even If It ]a paid upon subsequent
pruimtmenti 14' a Returned Ched Fee IS we retlJm il
Check CWI Mvail~ unpaid lor any reason. even 1/ the
Check cash Advance Is paid upOn suhc:equent pro&ent-
n'1!nt; (51 ihour acrDunt is open or if)'Ou rnalntal/ll:lll
IcrDllnt tallUlCl. whetheryou ~ iIc:live chaf'BIn; prlVl-
loa- or not. an N1nulll P=.
Abandotled Property ~I Unless prohibIted by
applicBbl~ law. we will chatee)'Ollr account, liS a
?\Irchase. for any costs. Incurred by us associated with
c:oinplyiPll with state a~ndoned property laws.
. ~dlt!lmal ~UfttF'1:eI Anel Ch.rpsl Pleaso review
the &equlrod redeFlI Dlsdosures sectiOn or your card
cerrier lor ilddltfonal teeS ancfchar.~s that m;y apply to
youfOlcr:Ount - .
Beneffts _
You wln be vlIered certain benefits which will be! sub-
! l~ totl\e restrictlOI'lS 'outlIned In the benefits brochure
-; prOYldedtoyol.lb)' M~NA Merle:J. MI3NA America ,
. {~,.~. reseNesth_ tie-hi tl:f>idIIJ,I. add. or delete benefils In~
. ..:.i9~ ;ltany tlmealldwjthtiut notice.
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. ,. 3~al to Honor fOllr Card
We aie not ltablt fo( any rel'us.1 to henor your card
or anv Cash Advance 01 rur any retention of your card
-byu" lI11yolher bank, or any seller or lessor of Boods
or'servlces:
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Termination
Wf:I may suspend or termlnale your riiht to obtaIn
o edIt at any Ume lor allY reason. Your obligltions
under this AereemP.nt contlnue llYl;lll after your light to
obtain cridlt ha, *n slIspeJlded or terminated. You
must return all credit cards to us on reQuest.
Amen4menfs
We may ,mend thIs Aereement at any time by adding.
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deletlnc. or cl1aniil\i ptovlslon; J n c:omplianoa with the
appllc:able notiflcatlon roqulremellts 01 rederallaw and the
la'l/$ of!h, Statt of DeJaoware. If an amendment ai- you
the opport).inlt)- to te/ect the c:ha~. and 11 yo\l releti' the
chance In the manner provided In sudi Q/T\erdment, we
Tl\II~ lelmlnato your rieht to teceive credit and may as\; you
to return all aedJt devices es a c:onclltlon of your relet-
tlon. The amended ^ireement (lncludine IllY hlehcr ralt
or other h1SMr charges or fees) wfIl';pply to the entire
unpaid balance,lncludlna the baloll~ ellil$tlng before the
i:lll1endment became effectl\'\:. Wo:: may replace your
credit card with another card at any time.
AJslgnment
We maY at any time. .nli without notice to you.
asslill )'Our RCCOunt. InY S\lffiS due on your account.
this Aireemcnt or our rtehts or oblleatlonc under )'01./1'
account or this ^irll!!ment to any person or enLily. The
pel'$OIl or entity to whom we /'l'I3ke any sudl assIenrnent
shall beelltltled to all of our riihts and/or obltietions
tJoderthlll Airiement, to thee~tent ass\antd.
Credit LImit
Your credit llmit Is shown on 10ur card c:arr\or and lien-
erally 011 each monthly statement. We may chanll4 )'Ol.lr
.. ",..., credit Umit or lirniuflOm tIme to time. and WIJ wlll notify
)'QU,'jf"" do. ",The t9talamounl of credit outstiiudl"iat
., . , anytim\l must not be mo~ tllBn your c:redlt lllnlt. We may
I" ".ilSgl:$tabliSha $E'pir:lteo-edill!mlt ror Cash Aclv.-nees;Ir
C c,.. . ~':~H_ --wifoo.)'tIi1r'Q'u}5tindinecasllAdVllncebalancernaynot
. :, ' exce;d this Casll Mvance limit .,
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,RelJuestfor$redit Over Your Credit
Umi"
IT you retluest rredit In en)' rOlln whld1.lf granted.
wculd le5ult In either your total outS'.andlni bal;ncc: or
)lOur Ca;h Mtanw balance. lndudl"i IIvtllotized transac-
tlon, not rei posted to your account, bQllIg roore than
)'OIJrcredlt llmitor youTCash MVOlnc:e credit Ihnlt.lrwl.'
have establlshed one ror you, (whether or nol such ba I- .
6ncP before the re~ucst were more thAn the l'C$pectlve
aedlt limit), we may: {I) honor the request wltlll:~1Jl per-
m.rn~nUy raising your mdit limit: (2) honor the request
and treat th\l amount whlth 15 more than )'QUI c.redit limit
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as ImmedIately du~: or I3l refuse to honor the reQuest.
We may advise the person who made the ~u\!'$l that it
has been refused. II ",Q refuse to honor Q C~~k CallI,
AdvanCe or Salance Tnln~er. we may do S\.I by advlslne
lhe person Piesellil1il the Check Cash Advance or
Dalance 'transFer that credIt has been refused. that there
are InsufficIent funds to pay lhe Check Cash Advcnce elr
Balance Transfer. or In any other manner.
If we have prevIously honor~ reQuests for credit CVPr
your credll limit. it does not mean that wc will honor
further overJimit reques:t;. If we decide to honor such a
~"u.t. we may a...,,, an OverUlllit F'ee as provided In
this AiTeelllellt.
Y!!!!-_Ktftorized Use ~fYour Card
, PI... notlft us imm~jilteJy of thl;' 10>>. theft, or possible
unall~hori:ed IIse uf yuur ~nt at I ~ 7&9-0701.
Governing IA~ .
ibIs Aereement Is ma~ In Delaware. It is iOYeJlI~
by the raw~ oUhl: Slcteof Delaware. WIthout reprtl to
its r.:ollfllct of laws prll\dples. and by any appllcable
federal laws.
If any port of this ~m~lIL Is found to be Invalid,
thullst remains erreetlve. . Q1Jr failure: or dolav In ClCer-
clslng any of our n,:hts under this Agrel'mo.nt docs nQt
-mean thatwu~ u-tla~;t~ ~,{eftiseth~ rl:hl$ tllter.
Utlgation.' ,,'. ,.
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. .TheMbltrOlliOl'l.pTOvlsionsbelow OlPp!y to you unless
you -were given the opportunity to reject the Arbltra lion
proYlslons and you did ;0 relect them; In which case.
~\}-asfee tJl~a-ny1itiClition brVUiht by you ilgalnstu$
reeardlng this actOunt or thIs Airecmcnt shall be
broUiht In a court locate<,\ln the Stille of Deliware.
. ArbltraUoll. Any claim or dispUte (-Claim") by
either you ur us agaInst the olher. or Cltalnst the
employees. aQenls or assiirlS 01 th~ other. ;lrlslng
(rom or relatlne In ;ny ....y to this AGr~ment or any
prJor Aireement or your account (wlwlher under a
statute. In contral.'t, lOft, or othelWlse and whether lor
mon~ dama~e$. penalties or declaratory or equifllhll'
rellell. indudlne Claims rE'-iartlini the appUcabillty of
Ihi~ 4rbitratjon Section or thc validity of tlie entlre
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AlUeement or any prior A;reement, sh,,1I be resoh'ed by
'-.1 biru:lln; arbitratiolt
. The arbttratlon &lIall be conducted by the NatinMI
~ Arbitration rorum ("NW). under the Code of ProcedUI'C In
effect it tht tIme the Claim j! llfed. Rules lIud Icmns of
tilt N.tlQr\al NUltralkm Forum may be Obtained and
~ Claims may be riled et any National ArbItration Fbrum
oIfI~. ~lJ~faNm <XlI"Q. or P.O. !ox 50191.
. MIMeapolls. MI,iIn!lJC'ltl 55405. telephone 1.800-474-2'71.
. If the,NAF Is u~. or u!lwilUnc'to act lIS ISll.I/tliItUr. we
may substltute IlluLher natlonally recognlzed, Indepen-
, dent arb/trltlon O/ilnlzatiOll that tlsas II slJnIlar code of
prOcedure. n yoin written ~qum. we will advance ai'ly
arbitration /ilina tee. a,dmlnIstratfvr: lInd hearlni foet
whIch )'t)U Ire reqvlrecl to pay to pursue a Claim In albl-
tTiltlon. the arbitrator will decide who wnt be ultimately
. responsible fot paying those rees. In no event will you
\ be reQUired to reimburse us for any IlrbJn.t1on filing.
- .
'admlnistrativo or hearl"C lees in an amount erElater tbiln
whit your cuurt coe;te; would nave been If the Claim had
been I'eS$1ved In a statnourtwith iurisdlc:tion. Ally
. .-- '.'.arbllratlon-I'iellrina at whldryou appear will tal:! p1acv
-- .
. within thei fed,ral jlldlclal district that lnducles your
V . bllli~ lddrcu It the time the Chlim Is fUeet ThIs amltra-
, " c lIun qJeel7lent Is made p~u;nt to a transaction fnvolv-
;} Ina interState commerce. and shall be eovemed by the
-~---'.~ --Fe4eraIAhJtratlon Act.~ V.S.C. ff 1.16I'FM")./udJmont
'ijj:tO!l.ny ,rbltrltiori IIWOrd mar hI: entered In anycwrt
no; ~.chlvl~lurl$dlctlon. 111~ l4Iblttator shall follow exlsttnv
.' .". '-$\Jb$ta~liw to the eXtenfcOnslstent with the FM and
.- .". ~,.appllca~I.~Mes ollill'litations and shall honor any
; . nlirns or prlvilegG recognized by law, If any !)Sit)'
~ . . -... :~C$ts.-th~QrbluatOl $hell write i:m opinIon contafnlne
1" .. thlt rell$I;)l1S for the award. ,
'., ,. . 'No Claim 5tlbll'1ltted to arbitration b Mard by II jury
, ; '. , and nO Claim may be broueht Ai I dit55 lIc!lon or IS a
privatr: IIttOIIll:Y central. Y?u do not have the right to act
as a des! representative or partldpate IS a member of 8
class or dalmant.~ with respect to any Claim. This
...rbltratlcn SectIon applies to all Claims now III e~l)tence
or that nlBY aII~t! In the future.
This Arbitration Section shall Iurvi" tho termination
of your account wIth us ~ well as. any voluntary piy-
IJIltnt of the debt in MI by you, eny bankruptcy by you
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P. 10
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! or s:lle Qf the uebt Cy us.
i For the pu~ of !JIls Arbitration SectIon, -we' and
j .u!i" means MBNI\ mer\ca 'Bank. N/\.. its parent. SlJb-
I sldiarles. illfiliates'-II~ predececsorJ, ~.
I aaiens: and any purd!lser of )'OlIr eo:::ount, and..1I of theIr
j olTic:ers, dircd.Cirs. emp\Qytes. ~ts and ass~ or any
i InIi all of them. I'lddltlonally. "we" or .us" shan mean any
i thlnl plity prcvtdlnabeneIits. setVices. or produc= in
! connection with the l!Tount (jndudin; but not limited
: to mldlt burelllS, m9rd14na that o=pt any cll!dlt
I device Issued under the D\.'I.D\Int. rewards or enrollment
! llieI'Vk:es. crecIIt Insurance compa nles, debt collectors
.
: and IIlI of their officers. directors. empto}'9t1 and agents)
I fl. and only If, tllch . third party I, named by you ilia
o :' co-Oefel\dant In rmy Claim )tIlIllSert aplnst lIS. ^'$O.
! for the purposes of thIS Arbltrttlon Section, "you' or
'1 'yours' shall mean any person or entity approved by IU
-I to uSlth!1 Accollntlndudlr.a but not lImited to all per'
. 10$ orontiticl ~ntrac:tullly obllcalecl on the AccOunt
'! and all authorlmluwrs of the aCo;)unt.
,
:, i 'lfal1ypaTt of thIs ATbltTatlon SectIon Is founel to be
1. Inv;Ild, 0.' unllnforceabJe under Iny Jawor statute consis-
" tcntWith the FM. the remaInder of this Arbitration
! Section shall be en(oca!able wlthOl.lt r&eard to surh
U ! inValidity \)r lII'len{orceabUity.
____.,\ ' ,. 'THE R.&SUl,TOf',THISARBITF.ATlON AGREEM~N'l'
, ' :" _J5.TU...tEXCtl'T N:; P!tOVlljED MOVE. CIAtMS CAN.
"u. ,:c~-:"4 ' , '.J(Qt5E[.rrIOATEJ)INC0UR1.I~CLvPINCl SOME
,CI.JJMS THA'T roUI,D HAVE Elof;SN TRU::O BEFORe: A
, ., ")[)RY;:~eLASs-AtTloNSO~ 'iJS PRIVATE A'TURNEY
CENEAA1. ACTIONS.
l'14tlnwn plus Coverage credit
'Iruitr4",e Beneffts, UmlfJlffons, Costs
, &'ExcfuslDn.
Pr.l1/r11ll ptlU COIIW'ae" pays your minimum monthly
payment' up tQ your balance on the date or loss lnot to
exceed $15.(00). until you mum to wo/k"lfyou are
InYOlunlillIly unempJoyed. ~dls;bled. or IfYO\l or
your spouse tal;es c:o-med FlIrnlly leave. P1"U"K/IIl"I~ ·
CcM1aa! also pays )'Our 1/1sUr:d olltste nell n& balance Up
to the Icsst of your outstandini balano!' your credit limit,
or $1',000 l(yoU die.
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EIleJb1I1tr: On~ Inst1red per ilCCOUnt (Insured must be
the primal)' cardholder or a c:o-appliulnt, authorIZed u~rs
IIrc not eliclblel. under ap {J(i (70 In NZ. toN & Vi\; 71 In
FL. G.\ ML MO & OK; 72 In NM). Your coveraee ends at
these same a!eJ (eJ:Cept tamUy Itllve In />Z, FI. &- st> &
unemployrriEont unless In 'IXI. When enrolleci. certlflUltes
wlll be maned ~lIlnlns )'OUr ~ &. el1ectlYe date, In
MH. IIl1l:l11p!OYinent COYetage is effectJ\le 61 days rlOm
your certlncate elfective elate. For unemployment or fami-
ly leavt benefits. )'OU must be plnfully cmployec1 wtrlkIlli
atiwt 30 hrllwk (not lIe1f.employcd 0( In Independent
CDrltRlttor) for 90 tonlieCUtlve days befon! the date of loss
(CO, before appllc:atlon date). (pA. on the date of lase).
(TX ' befole coverage effectIve dati for unemployment).
El'lI?loyees of pJOfesslonal torponitlons rMt be eligible.
Ccweraces &- S.DlIflts: P~tiIlWll PIllS Coveraee <:OYQ/';;
your death; Inv6luntalY unarnployment due to job 1000,
~ral strike. unloni:.d labor dispute or lockout; total
dl5'liblUty duo to sIckness or Injury If you are unable to
perform th" IIl1t~alli- substantfal dutles of)";)W'Job (or.
..n, lob l!ter th~ 'first IS mos. In CA HI. N1. TN &- Wl: 12
mofJn PAl; yOur or your s;pou$e's ullI>>lclleDve of
absenl:e from wRployment due to ee~ of ygur newbom or
nowly adopted child vr an IncaPldtated immediate family
II~ (must be spouse. child, stepc:hUd Dl' parent In
AKI; mandil~lY recalf to active mllltal)' duty, lury duty
_ . ..'.. _ . {-. ... __:l~ InAKI. OI'resldenC$-in:llllc:lemll)' dechm:d (ll.as.
~ ,'.', teralel. 1..018 (riot death} mu~t contlnue at least '<l
..__ .::.. ~. :. _.1 ;:c:-:.__.9!~6efQrc bencn~-beiltitn NY. tor strikes. unionIzed '
- L. __ :,' f -. laWr disputes &lockoulS. you must be uF'lemployad for
. . 1 consecutive weeks Ii- qualify for state unemplotment
benefits betore bonents begin. A diU)' benent 1$ paid tor
each day of 10$$ ~I 30 days for un!mployment In NY IJ.
I'A. and disability In CA. CT. NY. MI. PI. & SC. You may
cancel thIs coverage at any timo. If eanctled within first
'0 daY$ of coveraBE!. all premiums will be refundt:tl.
Exdllsfoll5\ Life: sulddeln the first 6 month!; of
coverage (not MD &- MOl. Involuntary Vnemployment:
retirement. resignation, voluntary (OIfelture of Income or
lob loss due to willful or u Imlnal misconduct. dl~b1lity,
$trikl:5 fn II., military discharge In NY. normal SMsonal
unemployment In 1X Disability: normal prqnancy Qr
childbirth lnot CA. MA &- NV). lntentlonally :self-lnfllded
inlurillll(not MOl or a pre-cxlstlns medIal tondlllon
.
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----="-".:00-;.;;.'-. ' ."...:.:---";:':'-_~.:=': j I dorilli Dt$/ 6 months al':'ulIer;ge(rrc..l Hi}. Family ~ ,. - --
Ii . benefJU are not paid if ~Ll ara eligible for or l'I:Celvinc
....... i I unemployment benetil' vr" /Ire disabled.
\.
I' This Is 00111 a brief desc:riptirlM 01 covllrage. and cover-
alies VlIty by itllte. Plea;e refer to your a:rtilicatts fot a
~ full cxpIanatlon ol COVCJaie.
Q!Sf,ptr ~J 00 DO MarIti ~ AwmH DId" /lAm
Costs Ilpply to Uf. ILl, DIll3bIJlty (P), Unemployment (Ul ,
! I; Family lave-(f'): AI. "UCi AK 7&c; n.~: AA 97,5(;
I ,CA &9.9<:; CO '2.'~; CT 4:l.89C: DE 96.97(; DC 9;.3~: FL
f "89c; GA Me: HI 89:9le: ID 95.2~ iL Me, 0 12./ie. U '4e.
. F ZClCl: lLIlIJc:: IN 96e: 1A95.~ IL 1.2~. 0 14."c. \J S4e, F
j
I 20ch ICS 8Mc; KY tl1.oft: LA 89.'7c: MD 7O.54c; 1M 14.4Ci
I
I MI85.'7~: MN )o,65c; MS 8'.2c; MOtiJ.le: MT93.9(: NE
I ~.8C: NV 9'.$e; NH 95c: NI9Tc; NM 58.ge: NY 52.'c (I.
,
f 8.8e. O,2603c. U IMe); He 74.k: ND 94,le: OH ~: OK
,
, 9'-.4e: OUUc; PA 'n.lel PR 9gel R19'.I~;SC 8Oc: SO
I 96.&9c; 'IN 92.5~; TX '-'.1c(L '.1e, D 12c. U I6CJ: UT
91.ll~: VT 2a.4( It. ,.~. D 6.4Jc, P 16c:}; V^ 84c [I.. 6.le.
U tl.9C. U 494. F 2OCI: WA!4(: WV 95.2e: \11191.~ (t,
. 5.7e. D 8.9c. U ~ge. F"Oel: WV ~.k
I
. ; . -~:.ThJS Q)veraee Is not available In Me.
f - InvolilntarY Unemployment Is I\ot avaI~bll! In MA or VI:
,.... I Famlly t.eave Is not llvailable in A1., cr. 1M, MD. MH.
NM. NY, PII. or'l'X . .
, '. ,-Ill\4Jnt(fitlu ComDanlaelD~lC$ Involuntary
. Ultill;lpIO'lm~!l~'AmllliCllJl~rily/L01 (518',. /..01
I ' N~nI'il3l, /t$ LDL~-i6l92};i.O}C'I?-XS 12196), andLOICa
.. .iPtsttndard-j;u.ran~lSGl,Ol(5I&~) (kl-I only/.We S-
.. ~. - _.,- ,'.- . I
.. cI PiuolUty:lInI9nSeQfrffiUfeiL-I-Z: Standard Gtis ianty
I . u~O'X.9nly)/L+t 1~~J(3,UMl: First Fortis Ufo INY
Life onlyJ,INYJ.MOOI3;.rii!Amerkln Security (NY
r' 0i5J9itlty ()II1)'~~:.\Ji'amll,l.!a~ AlIIllrlqn
s,curityt'l'LP ("11~n.p.n;(12l971In f~, FLl'-NC(~81
. in NC,FLP-or.,14l9711110K. FL!?VA(2/98) In VA, FJ..IP'
,
. ' IAZI(719811n AZ.fl..-IP 14J97) In )1. &-IN. FL-IP.KS (I ~7/
, In KS. tt.-IP.WY (4197) inWY; Standard Guaranty/Fl.P
(4,A)71In NH: Union Secwity LiIeIFLP-vr (4197) In VT.
so!l(.'!Ung iients for MISSissIppi and Florida are Charles
M. Gordon, and Pamela CUrtis respectively.
This pnxiud: Is not an illlo'Ured deposIt account, is not
role h~lITed, 15 not Queranteed by MaNA meric:a Bank.
N .A., Ind is not a condition of obtafnlne crerlit
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- . -' -,--~ ..~-.tessWdUi' .;;rever cTedlt limit a~n;. In MI.
: coverage pays ~ 01 the halallOl OIl YOUI dale Q/ dlsabthly
up to $750. In NY. awerace pays the milllmum payment
d u. ..m )'Our dll. or loss.
. "The number or monthly benefit payments wiU not
eJU:Eed <<) for famlly leave; 12 for unernplQyrnec1t In At., M. (.'T,
II., W. MH. MO. NM. tiC. NY. PA. SC &o"IX: 12 toT disability
exa!!!llln CA. 'HI. IN. !;S. ML NI. NY. PI\. TN, 'IX &- WI.
NY. ft, & TX Re8Jcfenta Only: To purchase covera,es
separately, write to Aasurant Croup, p.o. sox ~)",
^t1inta.. Ot\ 30302.. J\pplic:atI01lS will be sent to )OU.
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MaNA Arne-rica Banl, N.A., Is the exclusl\'Q Issuer and
, PJ~mfni$tratOCQrthis and ,Other PlGtlltllll Plus credit card
. ac:iilums ,
, ,
MBNA Amerlca(J) is a federally registered seNlc:e mark of
MBM Nneria ~nk, N.A.
e 2000 MBNAAmerica BanI:. NA
NFXI'9O (Rtvlsod 412000)
D!SC"& .
4/tlOO MBNAULOI tMBNA-LJMJl'\r::apped LOVFI.)
12
. (1IFOFUlATION ABWT ntlS STATEMENT
...
PA~......,.-"."_. -- . .-;.~......._----_._.
w. Clod!".,...,.. II oIlht da" roeolvod. K tho paymonIlI 11 _ by 2
p.... (&slJmTml). 21_11... add,..._ in 1ho_loft-hlndcom."
oIlho _ 01 tHo Iila..menl. 3) pold wIIh. Chock droWn In U,S, _ on a U.s.
r_ N1IIullon crl U.S, _ m~'-. Ind') _In Iho a_ roIUm
ornoolopo 011I1 only lht lOp pcrtion oIlhis ........... ~ II. PaymonlS
_ .... 2 p.... on *" day incIudina Iho PlymorI DUo !>alt. bl.f /hill
~_Iho_.....".,..........1>o _.. 0I1ho _!for, W.
wlJlwjocllll)'lllOl1fl/hlllo,.noI_InU,S,_,..ncI--ona-
___ dlhe Unllod S1a.... CrodI! Icrlll1)' _"._",.,
be doIo)ood up..'... days, No plJ'l"O'" _opom... an __and__
_lht Jirict _1plHOVIl 01 "'" 01 our _ ~
BILUNG RIGHTS SIIMMARY
In es, (J/ Emn or QuesUan. About YOllf BIll
I roo -)'l1II' bllI_ crlroo"" .....lnIonnalion _._-
on l""IllI,pIauo_.....on a _m. shoal oI_cr..... _ 0I1ho
_ ~ _. We... _ your _ r.qiily aI P.O,1loot 15Cl26.
_DE 1_.110__ 60 da)'f _..._,..,Iho.... bI..
_... _cr..... ~ You mar IMl>/lOnI Ill. bl.f doInp..-
no! ....... "'"' ll&'O..:r:-- In "'"' !ollar cr on ... 10m\, give Iho'~
in_)'l1II'_ __.lht__oIlho~
."",.Iho poiIql_ 0I.._1n quaotlon. ancf ..~..YItrt
,..,__II........(I)'OII...."'InQIhoIom\,-lha~l><lll-
~ /IIl'ORTANT INFORMATION ;;OUiM'ACCOUNT- --------- ---- ----- ---- --- - - ----- - ---- - --- ----- ------j ,-
GRACE PERIOD ~.. "B:i.:"""'" F.... or - Caah fqoWaIanl T_ F-.11ho
1)'!llI por 1hiI_,..1l'I anIIro Now _ TIlIaI by Iho "-"'" Duo Data, ~II._""""~ ~,~ f"~- wu pold_IIIhIlU ~ """'*" Duo
P._ 1'..::10 -... 0baIvN wi ncI be __ on CaIogoly CorD , dd Iho -v, -_-~ ~ ._, ~ ~ __. ~.., II..... W.
..- pooled dultrJol h neaI bIIng cycIa, Ilht Pmlous _ _ a cIiIr b - .- blIIIno C1- ......- .u - 1ho1olllbyllW
on 1hil1ila_ _ oiId II U by III POymolll Duo Dato end roo I>ar tHo = ~~ ~ ~ cycIo.,ThIi un- IIIlha "'"- 00" - (a
_. d. New '-- TO\OII>r Iho PflIlIOIlI Duo Dolo _ on IhiI ....,... """ tJhiupa, .
_lhanlht Ca/eoOryCcrDpoI1ion(.)aI 1hiI...-' Now_ ......... ~ft'~"'''''' ~u_"~~""'5GE''''^'''''"'TION
rlllalwl no! be __ _ RaIt _ Cha'V"" dultrJol "",..tAv """" r~ ""'''' r......."" """'" ........-~." .
.,. 1IltIo 10110 ~ period for Calagoly A 0( B CUI> -. 'P.~ _ _ Chargto _Illd 0Ia ~ on a dalIr bull. T.
COIINtA71ON JIEf1fOD$ FOR BALANCES SUBJECT TO FINANCE CHARGE$ =-~~~ta J::'"1>r =.."':.::"'~~'1i.~:: ' '".
Ca~, ,,' A, end B. A_, CUh,AdvtllCO Ba_~now Caah _bylha'lUllllar.. days II 1M ~cycIo. T._lha!O!!ll,'........
~); We _1I1ho _ Si.I>ltClIo,finaJ>:a , lot _ Caah RaIt FiIanca Charge for lho bIIng . ... add "'" Pa_ Flaii ',I'tnaiea ,',.,
_CIlOgO<)'$lha IoIIowInQ A..mpa CUh _ _ Charget for ...., ~ topaIhat. c.Iy _ Flatt It c:alcUOtod by
~day.ofllil_ .... Walal<ol/lObepinnlngCUhAdvOnoa-. dMcIinO 1l......""""1di1Q i\nnUsI P_pa RaIt llj 365, .", , ,.
i1ducInj _ tIUl _ Chatpat, .dd now Caah -..... Illd ,...." ..."" .'
_paymWII&""-' 1'hII un- III'" <:IIJIy Cash Advlonci _ I IF r........ "",..JAL FEE IS BJI.LED ON THIS ~ATEJIENT
IlI1)' daIJ _ II.... _ z... ... wiIIlreaIlhaI balanca u ZtlO. W. add We wII .....,.......". tor Iho AMuaI FH iliad on tHo _ll"ll_
=~~~=~~~~~~ __l>rcallilglllal1-800-432-2SS2(_24hout1.darl_;30,..,. ,-,,,,
... .~!~ _...... II> __......". bllIino"cycltbut _ ..............10 oIlha mdlg "'Ills ~ You CI!&)'.............. "'"' -llulIng Il1Is
1_&."_1 . '...-' . . . Ma..IhJI.1 ~ r>>riod::~.'109useormain1ainlblJa1'QlDl'lfOl,lt'account~1IU:wtI,
~~=&r~~~~':~CUh~~~~~ ~~t."~~~~nw;,~r.'=::;'~-=If..~~~'-'~, "_.
Ca\oaorIaO C IIIld D . "AMp!! l!OII1 Balanca _ ...... l'lIichuto); w. 1I/SCEl.LANEOUS' ", ~"_h'" " .. - .
...ioljaIo.._$ct>Iad"'A\OIlCaCharGafOr...."..<-~l.oinI Foi' lht ll<lqlIota _ and __ 01 I'D<!' --. tonsUIIyaorGMibont.'----. ~:<. -'
Iho ~"A"" ~maIho<f &ctI day. we lako1ha - . Ag_ ' . , .
boIano;Io,~- _ClIar;eo..dCl_~anil -'
..... _ FWt, "" pi........ or -. 1'hII gIvaI Illlha ddr ' . <~
baI_ W.lIo ncI acIlIlht_ lC<-fllhar "'" CIIdIlI'1vtadlort llIan or lor ..... " "
......... pun:MMd Ilvoilgh MBNA In IlO l>aglnnIng _...ft Iha IInI dlr" hdlt<t."'" IlankCaoI _ It . \lIdo_ of MBNA Amalfc& ..... N.A.
lha~cycIo-lhoblllilgcycloll-lha)'OIa_W.lIono!add- 1'hII_1t_1lld__byMBNAAmalfc&BanI:,IIA.,;. --
'IIER:#AiEJlEKfOFD/SPIITED/TEM DUmuatUIIU .ftxmfrxHdl . PINs.pJinl.)
IF YOtI EVE A l'AANSACTlOItOlr)'OIJR STA~ ISANERADR. COI.tl'l.E'le AND SIGl! 6.~ FO!lM..l.IS!!Ill~ 11<<0
DR WRITE A OETAIlBll.E'tTel!.ON,ASEPABA~,SHEETOF PAPl!R ANDTl-tEN RFI\IRN lT7O:lP.D. BDX lS02S. WIlMlNGrOH. DE 1_. USA,/
PLEASE DO NOT ALTER WDRDlNIl DN THIS FOIlII OR IWl YDURI;!Tl!Il OR FDRM WITH YOUR PAYMENT. . ,. ,
YOUR NAIll!: ACCOUNT JrIUU!R:
TJIANSACTlOH D"'TI: PO$l1NG l>A~ ~ IMBER: AMOUNT:'
, TIIAIlSAtnOtIIItSCAII'11OIC
_ lei" _..".... hi 110m....., "!- ~ .. -, I Choclt onlY one ""'-I 0 7. I """ hoI hi cllIIgr In qualian ... I Ii9t __ Id _ posIed
D', ThollrlOl.'1loflhecllarge__.....'...., II> _,.",,_,......._"'_-
S ..""_sip,,,"_ir'<:o>mffy,_~ SoIt',S AIIa_'
",,"'l'l'oftllo__\I>Il"""'.........._ SoItns_.
.... Oz.,....,.......,cllarge--...........l'l.....- 01.1-"'_... "_hplBllOlariZod
_11)'.... lISt"" CII1l. nor_'" pcoclS cr_ -<-wIonl.--- 'IIICI.-.-.
npresanIId by lhe _"" _ l'l....1 polSOll._by "",,,,,,,," """,,",bI """"'v dale IIICI...of_Ro_'"
..,(I,..,IIo...._Iza...I<.._""'Dpllon./ ...-
'D3.I..........-"'-..I........IIliI>9odIo...""
(dIlt~I.......skod......'.....,.......",,- 0 .,
0(. Thta2llchlldCl'ldlslpWl,IsIecf"tchlfgttll'lmystatwhlri.
Os. '...bsuod.................. ........""",,_menr. A_of""
.........~-
o I. AlIhough 1 die! "\II In ... __ ""...cfion, I di"",. !h. .- cIIa~ 0
","porlionln"''''''''''''dS ,1....._"'..........
anIS~ . crd a$rstmanL r.lthlrreJdnorfKltlve Ihlscr.dll or_was
_, I... cispuOng'" ~ boeI...
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VERIFICA liON
to unsworn falsifications to authorities, that he/she is
The undersigned does hereby verify subject to the penalties of 18 PA C.S. 4904 relating
Christian Hobbis
(NAME)
Personal Banking Officer
(TITLE)
of
mtfjJll
(COMPANY)
. plaintiff herein. that
he/she is duly authorized to mak!'l this verification. and that the facts set forth in the foregoing
Complaint are true and correct to the best of,hlslher knowledge, information and belief.
WWR# 04606771
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IN THE'COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Plaintiff
,I
No, 06.2946 CIVIL TERM
MBNA
VS.
PRAECIPE FOR DEFAULT JUDGMENT
,
SHARON L KRISTOFEK
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Benjamin R. Bibler
PA LD. #93598
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#0520873I
Judgment Amount $ 27,690,68
THIS LAW FIRM IS ATTEMPTING TO COLLECT THIS DEBT FOR ITS CLIENT AND ANY
INFORMATION OBTAINED WILL BE USED FOR THAT PURPPSE.
I
,
I
i
I
]If
, ...
MBNA
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY. PENNSYL~ANIA
CIVIL DIVISION I
I
,
Plaintiff
vs,
Civil Action No, 06,2946 CIVIL TERM
SHARON L KRISTOFEK
Defendant
PRAECIPE FOR DEFAULT JUDGMENT
TO THE PROTHONOTAR
~ihdlYi enter Jud ment against the Defendant, SHARON L KRISTOFEK above n4ed, in the default of an
Answer, ld the lamount <) $27,690.68 computed as follows; I
I
Amount claimed n Complaint
$27,690.68
Interest from date of judgment
at the legal interest rate of 6% per annum
TOTAL
$27,690,68
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with P A
R,C.P, 237.1 on the dates indicated on the Notices,
II
I,
waTMAN~"E"COCU
::;:g;;,. r?'-./:
PA LD. #93598
WELTMAN, WEINBERG & RBIS pO., L.P.A.
2718 Koppers Building I
,
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#05208731
Plaintiff's address is: i
c/o Weltman, Weinberg & Reis Co" L.P,A" 2718 Koppers Building, 436 7'" Avenue.lhttsburgh, PA ,15219
And that the last known address of the Defendant is: 26 CORAL DR. CARLISLE.PAiI7013 !
III
-
-
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
MBNA
Plaintiff
C,,"se # OCc- z 1 <{ (;; D v';/ Ter,t'l
SHARON L KRISTOFEK
Defendant(s)
IMPORTANT NOTICE
TO: SHARON L KRISTOFEK
26 CORAL DR
CARLISLE,PA 17013
Date of Notice:
WWR#: 05208731
lD~ c\ -(Xo
YOU ARE IN DEFAULT BECAUSE YOOHAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU.
UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A
JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY
LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS
PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR
TELEPHONE THE FOLLOWING OFFICE SET FORTH BELOW. 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 qR NO FEE.
....1,...
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
BY:
JAMES W
PA 1. D .
WELTMAN,
2718 KO
PITTSB
ODT,
4 524
INBERb & REIS CO., L.P.A.
RS BLDG, 436 7TH AVE.
H, PA 115219
I
Re.lluest for Military S~~tus
III
Page 1 of2
Department of Defense Manpower Data Center
.. Military Status Report
_ Pursuant to the Servicemembers Civil Relief Act
JUL-06-200607:24:14
-c:: Last Name First/Middle Begin Date I Active Duty Status I Service/Agency
KRISTOFEK SHARON L Based on the information you have furnished, the DMDC does not
possess any information indicating that the individual is currently on
active duty.
Upon searching the information data banks of the Department of Defense Manpower Data Center, based
on the information that you provided, the above is the current status ofthe individual as to all branches
of the Military,
~al
u..... ~
Robert J, Brandewie, Director
Department of Defense - Manpower Data Center
1600 Wilson Blvd., Suite 400
"
Arlington, VA 22209-2593
The Defense Manpower Data Center (DMDC) is an organization ofthcd Department of Defense that
maintains the Defense Enrollment and Eligibility Reporting System (DBERS) database which is the
official source of data on eligibility for military medical care and other eligibility systems.
The Department of Defense strongly supports the enforcement of the Servicemembers Civil Relief Act
[50 USCS Appx, SS 501 et seq] (SCRA) (formerly the Soldiers' and Sailors' Civil Relief Act of 1940).
DMDC has issued hundreds of thousands of "does not possess any information indicating that the
individual is currendy on active duty" responses, and has experienced a small error rate, In the event the
individual referenced above, or any family member, friend, or representative asserts in any manner that
the individual is on active duty, or is otherwise entitled to the protectiol!ls of the SCRA, you are strongly
encouraged to obtain fi~"" her verification of the person's 'active duty sta1lu, s by contacting that person's
Military Service via th "defenselink,mil" URL provided below, If you: have evidence the person is on
active-duty and you faj to obtain this additional Military Service verification, provisions of the SCRA
may be invoked agains you,
If you obtain further information about the person (e.g" an SSN, improved accuracy ofDOB, a middle
name), you can submit your request again at this Web site and we will provide a new certificate for that
query.
,
, ,
This response reflects current active duty status only, For historical inflprmation, please contact the
Military Service SCRA points-of-contact.
I
See: http.Jlwww.def~ns~Iink.mil((aJ;JLpisIPC09SLDR.htmI
i
WARNING: This certificate was provided based on a name and SOcialilSecurity number (SSN) provided
i
https:/Iwww.dmdc.osd.millscra/owa/scra.prc_Select
7/6/2006
III
Request for Military Status
, -
Page 2 of2
. .
by the requester. Providing an erroneous name or SSN will cause an erroneous certificate to be provided,
,
Report ID:KLJXWPTNZw-,
ill
:1
I
I
https://www.dmdc.osd.mil/scra/owa/scra.prc_Select
7/6/2006
III
...
IN THE COMMON PLEAS COURT OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
MBNA
Case no: 06-2946 CIVIL TERM
Plaintifr.
vs. ,
SHARON IL KflSTOFEK
NON-MILITARY AFFIDAVIT
Defendant
I
I
The undersigned, ~ho first being duly sworn, according to law, deposes and states aslfollows:
I
I
That he/she is the duly authorized agent of the Plaintiff in the within m~er.
Affiant further states ,that the within Affidavit is made pursuant to and inl accordance with the
Servicemembers' Civil Relief Act (SCRA), 50 U.S,C. App. ~ 521.
Affiant further states that based upon investigation it is the affiant's b41ief that the pefendant, SHARON L
KRISTOFEK is not in the military service,
Affiant further states that this belief is supported by the attached certificate from the Defense Manpower Data
Center (DMDC), which' states that the Defendant, SHARON L KRISTOFEK is not in the military service,
Further Affiant say~th naught,
Z-1Z11---
A NT
I"
:1
AND SUBSCRIBED in my presence thi/; ilJ day I
ios
-,
!:f This law firm is a debt collector attempting to collect this debt for our client J,d any infornlation obtained will be
used for that purpose. :
II i I
.
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..... .
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Plaintiff
I
MBNA
vs,
Civil Action No, 06,2946 CIVIL TERM
SHARON L KRISTOFEK
Defendant
NOTICE OF mDGMENT OR ORDER
TO: () Plaintiff
(xx) Defendant
( ) Gamishe~
You are hereby notified that the followini
Order pr J u gment was entered against y~lU
on -..J I Y a..DD l..
t
(xx) Assumpsit Judgment in the amount
of$27,690.68 plus costs,
() Trespass Judgment in the amount
of$_pluscosts,
() If not satisfied within sixty (60)
days. your motor vehicle operator's licen~e andlor regist~ation
will be suspended by the Department of Transportation, rureau
of Traffic Safety, Harrisburg, PA. I
(xx) Entry of Judgment of
() Court Order
() Non,Pros
() Confession
(xx) Default
() Verdict
() Arbitration
Award
, '
SHARON IL KR, ISTOFf
26 CORA! DR
CARLISLE,PiX 17013
Plaintiff's address is:
clo Weltman, W~inberg & Reis Co" L.P,A,. 2718 Koppers Building, 436 ~th Avenue, Pill~burgh. PA 15219
I 1,888,434-0085 I '
i
!
I
SHERIFF'S RETURN - REGULAR
CASE NO: 2006-02946 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA
VS
KRISTOFEK SHARON L
WILLIAM CLINE
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
KRISTOFEK SHARON L
the
DEFENDANT
, at 2106:00 HOURS, on the 26th day of May
, 2006
at 26 CORAL DRIVE
CARLISLE, PA 17013
by handing to
SHARON KRISTOFEK
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff1s Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
4.40
.00
10.00
.00
32.40/
1-/'7-0(,
r~~~~~J?
R. Thomas Kline
~
05/30/2006
WELTMAN WEINBERG REIS
day
By: 4,y~
Deputy Sheriff
Sworn and Subscibed to
before me this
of
A.D.