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Home My WebLink About06-4035IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. 4jeLI5 655 PAPER MILL ROAD 1 MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS MAXINE D CHOCHA 416 ALLENDALE WAY CAMP HILL PA 17011-8408 Defendant(s) CIVIL ACTION - LAW Filed on behalf of: Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this parity: Date: 4-12 b F W .4 1 41 Amy F. oyle #87 2 / Daniel F. Wolfson #20617 Philip C. Wazholi 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 W&A File No. 126156180 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS MAXINE D CHOCHA 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. 126156180 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff No. VS MAXINE D CHOCHA 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 despu€s 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. 126156180 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, : No. 01.& - g035 ev; Plaintiff ff I VS. MAXINE D CHOCHA Defendant(s) CIVIL ACTION - LAW COMPLAINT AND NOW, this 29 day of June, 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: 1. 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, MAXINE D CHOCHA, is an adult individual with a last known address of 416 ALLENDALE WAY, CAMP HILL, CUMBERLAND COUNTY, PA 17011-8408. 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. 126156180 (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. 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 $16,853.84. 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 $5,822.80. CCP Cmplt - MBNA W & A File No. 126156180 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 $2,528.07. 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 exceeds the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - MBNA W & A File No. 126156180 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 $16,853.84, plus interest in the amount of $5,822.80, plus attorney's fees in the amount of $2,528.07, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: f 4 f/" ? Amy F. Doyle #87 2 / 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 W & A File No. 126156180 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: ?! Jf b (• fXZZI7 / " :, Amy F. Doyle #8 62 / Daniel F. Wolfson #20617 Philip C. Warhol #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 W & A File No. 126156180 Exhibit "A" A ' MI C tip t L a INS, 4a Q l 'm? all tit WAS ,?a 2,t_? 91 8 to, A ? ? ?R ? Zvi 8 all 19 t Ali ?. It "S ?i list t 9. sit $? Ali, g All,. tit y Its 1110 i!i r. a -- Willi :rL v 3 lit. z ?I till till a ?kv ' T jil to I i11 1 1 tfill t` mgt C rp1*1711ij, tg10s1wa w 1. r aI t if I '51 611 Ht sits v'Xa5cs%$ 11suf as lilt ; $ g Its S. RIM] 1 i m? A n [lilt till. $I als $? ?? r sw i fi I I$ iQQ a a Joe,* L It sa l Wiff 4! asst at 3== C. 1111 & WSJ lit, 1114 3 t, 1 a.;$ L . R Q g?I *; I h - $ ? sr W, till! ? I ., Nil Ilk( elf 11 ill HIM i it t jail it I Sol 31IFt x ill e till IL t all ilk 3 I Hit is, yC a : -Al a it I 1 L w- lit QL fill 1 L 865 ¢s` 5 lit a?y? g M ? 2 g rj . X45 it sold a. ° ?a? aas ??? 4iy.?BsletC?Q¢¢$.? s? 1115i t t, t 1 Ifi Ill lit its, W i 3a I I , ga. ? a Sit s M f al fit' 11L I rill, 4 -- t it Hiiiii, R a M• q d 34 3$ R ?.? ?:gg i_nt a 11 ¦? _.', . n It 8 = Ira V Joni 9 ;ilk ! UM E?;u?S ? _Iiffl a= O<?.ru s? z ,S R g .. nS., Qtr R?-sR3? 3* ?..,? !"?R n w?i?.. iy ? ;?x??????x-ate EXr'b't 11811 CLIENT NO 001730 MBNA ACCT#4264296024111855 BALANCE --16,853.84 ***** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 02/25/04 M-ACCT-NO *M-REC-TYPE*M-GUST-TYPE*M-LAST-NAME 4 264296024111855 A I CHOCHA M-FIRST-NAME *M-ADDR-1 *M-ADDR-2 * M AXINE D 416 ALLENDALE WAY M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH C AMP HILL PA 170118408 7172638613 M-WORK-PH *M-DOB *M-POE-NAME 0 000000000 M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER LV01 OV0001 M-BAN K-CODE* M-B RAN C H-CO DE* M-CALL-COD E* M-R ECOV E R ER-CODE* M-DEALER-COD E LFIN 024 M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE PAA 0000 07/26/04 08/01/84 01/01/69 M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 0 2/25/04 16,853.84 .00 .00 16,853.84 *M-NE T-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 16,85 3.84 .00 .00 9008020 XXXX001212345 *M-COMME NT-2 001 2004 0726 0000150 *M-COMME NT-3 *M-COMMENT-DATE 07/26/04 *M-2ND-N AME *M-MONTHLY-INCOME*M-OTHER-INCOME .00 .00 *M-MONTHLY -PYMT*M-OTH ER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE .00 .00 R 0777 *M-LAST-INT- DATE*M-LAST-CONTACT-DATE*M-COMM-RATE*M-HOME-PH-FLAG*M-WORK-PH-FLAG 0000 *M-ADDR-FLAG *M-SSN *M-MIO*M-AG TJ plc U1 SHERIFF'S RETURN - NOT FOUND CASE NO: 2006-04035 P COMMONTWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS CHOCHA MAXINE D 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 CHOCHA MAXINE D but was unable to locate Her in his bailiwick. He therefore returns the COMPLAINT & NOTICE NOT FOUND , as to the within named DEFENDANT 416 ALLENDALE WAY CHOCHA MAXINE D CAMP HILL, PA 17011-8408 ALTHOUGH NUMEROUS ATTEMPTS WERE MADE, WE WERE UNABLE TO SERVE DEFENDANT PRIOR TO EXPIRATION. Sheriff's Costs: Docketing 18.00 Service 52.80 Not Found 5.00 Surcharge 10.00 Postage .39 86.19V So answers: R. Thoma Kline Sheriff of Cumberland County WOLPOFF & ABRAMSON 08/16/2006 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. No. 06-4035 Plaintiff CIVIL ACTION - LAW VS MAXINE D CHOCHA Defendant(s) PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respectfully Submitted, Date: vAmy F. Doyle #'87062 / Daniel F. Wolfson #20617 Philip C. Warholic #86341 / David R. Galloway #87326 Tonilyn M. Chippie #87852 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 / Ronald S. Canter #94000 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 W&A File No. 126156180 -i IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. 06-4035 Plaintiff VS. CIVIL ACTION - LAW MAXINE D CHOCHA Defendant(s) The undersigned does hereby certify that a copy of the foregoing praecipe was served this date by Regular Mail, Postage Pre-Paid on this h' day of D CCMbe? .2001. Maxine D Chocha 120 HIGHLAND DR CHAMBERSBURG, PA 17201 Amy F. Doyle 87062 / Daniel F. Wolfson #20617 Philip C. Warholic #86341 / David R. Galloway #87326 Tonilyn M. Chippie #87852 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 / Ronald S. Canter #94000 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 W&A File No. 126156180 0 C7 -n - m . C ??k i C7?