HomeMy WebLinkAbout06-3543
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
No. Ol- - 3~tt.3 ~tu~lT ~
MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
Plaintiff
VS
DIANE F DICLEMENTE
, 216 W POMFRET ST
#2
CARLISLE P A 17013
Defendant(s)
Date: ~
W&A File No. 160667151
CIVIL ACTION - LAW
Filed on behalf of:
Plaintiff, MBNA AMERICA BANK, NA
Counsel of record for this party:
Ck~/~b
Amy F. Doyle #87062/ D iel F. Wolfson #20617
Philip C. Warholic #863~ndrew C. Spears #8~
David R. Galloway #8732 omlyn M. Chlpple 52
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
IN THE COURT OF COMMON PLEAS OF CU1\.1aERLAND COUNTY, PENNSYL VANIA
MBNA AMERICA BANK, N.A.
:No.
Plaintiff
VS
:CIVIL ACTION - LAW
DIANE F DICLEMENTE
Defendant(s)
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 LA WYER 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 MAYBE 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 10 Defend
W&A File No. 16066715]
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
:No.
VS
DIANE F DICLEMENTE
Defendant( s)
:CIVIL ACTION - LAW
NOTICIA
USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la
demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias
despues que esta Demanda y A viso es servido, con entrando por escrito una aparencia
personalmente 0 por un abogado y archivando por escrito con la Corte sus defensas 0 objeciones
alas demandas puestas en esta contra usted. U sted 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 0 por cualquier otro reclamo 0 aiivio
solicitado por Demandante. Usted puede perder dinero 0 propiedad 0 otros derechos importante
para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED
NO TIENE UN ABOGADO, V A Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA
AQUI ABAJO. EST A OFICINA PUEDE PROVEERE CON INFORMACION DE COMO
CONSEGUlR 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 0
GRATIS.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PAl 70 13-
717-249-3166
CCP Notice to Defend
W&A FileNo. 160667151
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
:No. Dl. -)5'8
doitrC/J..'L
VS.
DIANE F DICLEMENTE
Defendant( s)
: CIVIL ACTION - LAW
COMPLAINT
AND NOW, this 12 day of June, 2006, comes the Plaintiff, MBNA America Bank, N.A., by and
through its attorneys, the law firm ofWolpoff & Abramson, L.L.P., and files the within Complaint and
in support avers as follows:
I. 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, DELA WARE 19850.
2. Defendant, DIANE F DICLEMENTE, is an adult individual with a last known address of
216 W POMFRET ST, #2 CARLISLE, CUMBERLAND COUNTY, PA 17013.
3. 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 Cmpl! - MBNA wo AF
W & A File No. ]60667]51
(FAA) governed the Agreement and that following disposition through the NAF, judgment may be
entered in any state court having jurisdiction.
5. 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.
7, 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 ofthe account showing the balance due and owing is incorporated herein and marked as
Exhibit "B".
8. Defendant did not object to the summary of account.
9. Defendant has made sporadic and irregular payments, if any, which have been applied to
the outstanding balance of this account.
10. As ofthe 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$26,359.51.
II. 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 6 %.
12. The amount of interest which has accrued on the aforementioned account is the sum of
$134.32.
13. Plaintiff has retained the services of the law firm ofWolpoff & Abramson, L.L.P. in the
collection of the amount due from Defendant.
CCP Cmplt - MBNA wo AF
W& A FileNo. 160667]51
2
14. 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.
15. Any and all conditions precedent to the bringing of this action have been perfonned by
Plaintiff.
16. The amount in controversy exceeds the jurisdictional amount requiring compulsory
arbitration.
CCP Cmpl! - MBNA wo AF
W & A File No. 160667151
3
WHEREFORE, Plaintiff, MBNA America Bank, N.A., respectfully requests this Honorable
Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $26,359.51, interest
in the amount of $134.32, plus costs of this action and any other relief as this Court deems proper and
just.
Respectfully submitted,
Date: ~
UJQ. ~
Amy F. Doyle #87062 / Daniel F. Wolfson #20617
Philip C. Warholic#86341 / Andrew C. Spears #87737
David R. Galloway #87326 / Tonilyn M. Chippie #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 wo AF
W&AFileNo.160667151
4
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 unsworn falsification to authorities.
Date: ~
W0
Amy F. Doyle #8706nDaniel F. Wolfson #20617
Philip C. Warholic #86341/ Andrew C. Spears #87737
David R. Galloway #87326 / Tonilyn M. Chippie #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, P A 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
CCP Cmplt - MBNA wo AF
W & A FileNo. ]60667]5J
5
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Exhibit "B"
CLIENT NO 001730 MBNA ACCT#5490990245048804 BALANCE -- 26,359.51
- PRIMARY DEBTOR - C/O DATE 01/01/69 LSTPY DT 03/09/06
*M-ACCT -NO *M-REC- TYPE*M-CUST- TYPE*M-LAST-NAME
5490990245048804 A I DICLEMENTE
*M-FIRST-NAME *M-ADDR-1 *M-ADDR-2
DIANE F 216 W POMFRET ST APT 2
*M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH
CARLISLE PA 170132876 7179600690
*M-WORK-PH *M-DOB *M-POE-NAME
7172451795 02/12/70 CHARLEYS PLACE
*M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER
LMOl OM0001
*M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE
AGNY
*M-CO-RSN*M-ACCT -ST A TUS*M-INT -RA TE*M-RECEIPT-DA TE*M-CONT ACT -DA TE*M-CO-DA TE
PM 0000 05/09/06 03/23/95 01/01/69
*M-LAST -PYMT -DA TE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL
03/09/06 26,359.51 .00 .00 26,359.51
*M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-l
26,359.51 .00 .00 AAAAAAAAAMMl
*M-COMMENT-2
00120060509 0000260
*M-COMMENT-3
*M-2ND-NAME
*M-COMMENT-DATE
05/09/06
*M-MONTHL Y-INCOME*M-OTHER-INCOME
.00 .00
*M-MONTHL Y -PYMT*M-OTHER-PYMT*M-OWN-RENT -CODE*M-RECOVERY-SCORE*M-NEXT-PA Y -DATE
.00 .00 R 0686
*M-LAST-INT -DA TE*M-LAST -CONT ACT'DA TE*M-COMM-RA TE*M-HOME-PH-FLAG*M-WORK-PH-FLAG
0000
*M-ADDR-FLAG*M-SSN
*M-MIO*M-AG
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MBNA AMERICA BANK, N.A.
No. 2006-03543
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
VS
CIVIL ACTION - LAW
DIANE F DICLEMENTE \
Defendant(s) \
PRAECIPE TO $ETTLE AND SATISFY
I
Please mark the above-captioned action as s~ttied, satisfied and discontinued.
Respectfully Submitted,
Date: ~
BY'~ "
Amy F. Doyle #$7062/ Daniel F. Wolfson #20617
Philip C. Warholic #86341/ Andrew C. S ars #87737
David R. Galloway #87326 /
Sarah E. Ehasz #864691Robert N. Polas, Jr. #20
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, Suite 300
Camp Hill, PA 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
Cc: DIANE F DICLEMENTE
W&A File No. 160667151
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
) MBNA AMERICA BANK, N.A.
Plaintiff
No. 2006-03543
vs.
CIVIL ACTION - LAW
DIANE F DICLEMENTE
Defendant(s)
CERTIFICATE OF SERVICE
The undersigned does hereby certify that a copy of the fO~~ preaecipe was
served this date by Regular Mail, Postage Pre-Paid on this W day of
~,20~
DEBT SETTLEMENT USA
16430 N SCOTTSDALE RD #400
SCO SDALE, AZ 85254??oo
Amy F. D Ie #87062 / Daniel F. Wolfson #20617
Philip C. Warholic #86341/ Andrew C. Spears #87737
David R. Galloway #87326 / Tonilyn M. Chippie #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, Suite 300
CampHill,PA 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
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SHERIFF'S RETURN - REGULAR
CASE NO: 2006-03543 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK N A
VS
DICLEMENTE DIANE F
CPL BRIAN BARRICK
, Sheriff or Deputy Sheriff of
Cumberland County, pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
DICLEMENTE DIANE
the
DEFENDANT
, at 1510:00 HOURS, on the 21st day of July
, 2006
at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE
CARLISLE, PA 17013
by handing to
DIANE DICLEMENTE
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18.00
17.60
.00
10.00
.00
45.60/
q'd.J-O(' C)-.
Sworn and Subscibed to
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R. Thomas Kline
day
07/24/2006
WOLPOFF & ABRAMSON
By: ~
before me this
of
A.D.