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Home My WebLink About06-4147 Mark W. Allshouse, Esquire Attorney ID # 78014 4833 Spring Road Shermans Dale, PA 17090 (717) 582-4006 Attorney for Defendant MBNA AMERICA BANK, N.A., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 06-4147 CIVIL TERM STEPHEN E. SMITH, Defendant CIVIL ACTION - LA W DEFENDANT'S PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT AND NOW, comes Defendant, Stephen E. Smith, by and through his attorney, Mark W. Allshouse, Esquire and respectfully files the following Preliminary Objections to Plaintiff's Complaint. 1. Plaintiff filed a Complaint to the above-captioned name and number based upon the allegation of extension of credit and money due pursuant to a credit card account owed by Defendant. 2. Plaintiff cites in both paragraphs 4 and 6 that the Credit Card Agreement states that it is governed by the Federal Arbitration Act and subject to binding arbitration through National Arbitration Forum ("NAF"). 3. Defendant has never been given the opportunity or ability to choose or deny NAF arbitration to resolve this issue as required under the Credit Card Agreement. 4. As a result, the Court of Common Pleas does not have jurisdiction over the issue as the Agreement requires: (1) that a demand for arbitration is made and (2) the Defendant is provided reasonable time in which to deny such demand. .. 5. No demand has been made, nor has the ability to respond to such demand been provided. 6. It is only after the above-referenced actions have been taken that judgment may be entered in any state court having jurisdiction under the Credit Card Agreement. 7. Because there has been no resolution through NAF, Plaintiff's request for judgment in the Court of Common Pleas is premature. WHEREFORE, Defendant respectfully request this Honorable Court to enter an Order thereby dismissing Plaintiff's Complaint with prejudice and directing the matter to be resolved pursuant to the terms of the Credit Card Agreement. Date: '6\13\D\.e . Allshouse, E Atto ey ID # 78014 4833 Spring Road Shermans Dale, P A 17090 (717) 582-4006 Counsel for Defendant . ... Mark W. Allshouse, Esquire Attorney ill # 78014 4833 Spring Road Shermans Dale, P A 17090 (717) 582-4006 Attorney for Defendant MBNA AMERICA BANK, N.A., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 06-4147 CIVIL TERM STEPHEN E. SMITH, Defendant : CIVIL ACTION - LAW CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing has been duly served upon the following, by depositing a copy of the same in the United States Mail, first-class, postage prepaid as follows: Andrew C. Spears, Esquire WOLPOFF & ABRAMSON, LLP 4660 Trindle Road, 3rd Floor Camp Hill, PA 17011 Date: ~ I 1.-6\ D~ Mar W. Allshouse, Esqui 4833 Spring Road Shermans Dale, P A 17090 Attorney J.D. # 78014 (717) 582-4006 Counsel for Defendant 8 ~ ...... ~t~r:' uL> .....---- ~~;~. :<' p., Z'> :t~ ~~; ~ ,....,. c::::t <::::) c::n ;to. c:: c;-) N W ~ ::J:: N ~ ~:n r- -om :n 0 01 ---tel ..,.,,..... -rj ;;_l.__q ')0 Om --j ~ -< co . ~ Mark W. Allshouse, Esquire Attorney ID # 78014 4833 Spring Road Shermans Dale, P A 17090 (717) 582-4006 Attorney for Defendant MBNA AMERICA BANK, N.A., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 06-4147 CIVIL TERM STEPHEN E. SMITH, Defendant : CIVIL ACTION - LA W PRAECIPE TO ENTER APPEARANCE Please enter the appearance of Mark W. Allshouse, Esquire, as attorney for Defendant, Stephen E. Smith, in the above captioned matter. Date: 8!~/O(P k W. Allshouse, ~ttorney ID # 78014 4833 Spring Road Shermans Dale, P A 17090 (717) 582-4006 Counsel for Defendant At. - Mark W. Allshouse, Esquire Attorney ID # 78014 4833 Spring Road Shermans Dale, P A 17090 (717) 582-4006 Attorney for Defendant MBNA AMERICA BANK, N.A., Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 06-4147 CIVIL TERM STEPHEN E. SMITH, Defendant : CIVIL ACTION - LA W CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing has been duly served upon the following, by depositing a copy of the same in the United States Mail, first-class, postage prepaid as follows: Andrew C. Spears, Esquire WOLPOFF & ABRAMSON, LLP 4660 Trindle Road, 3rd Floor Camp Hill, PA 17011 Date: BfJJltXcJ ark W. Allshouse, ~833 Spring Road Shennans Dale, P A 17090 Attorney J.D. # 78014 (717) 582-4006 Counsel for Defendant (") c -... <..... -0 l~XI rnr 7",r 0') ~ ~~,_. :?; ~::: J>c ~ .-"\ ~ c:::> c:::> c:J'" :t"" c= c;") N W ~ ~ n1 :!J -phi -IJe;::; r~Cl ~-c =n C>i5 gm ~ -u ::E: N .. co .... IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA No. D('" - 4/Lf7 C!1I.~zlT ~ MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS STEPHEN E SMITH 1289 HIGH STREET BOILING SPRING PA 17007 Defendant(s) Date: ~ 'Xl Ry ^ 1:':1..,. 1\.T..... 1 '1'11"J'1(\11"J{\ CIVIL ACTION - LAW Filed on behalf of: Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this party: C- Arny F. Doyle #87062 / Daniel F. Wolfson #20617 Philip C. W arholic #86341~m:ew C. Spears #87731 ~ David R. Galloway #87326 / omlyn M. Chipple #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 " IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff :No. VS STEPHEN E SMITH 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. 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 0 por cualquier otro reclamo 0 alivio solicitado por Demandante. Usted puede perder dinero 0 propiedad 0 otros derechos importante para usted. USTED DEBE LLEV AR ESTE P APEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VA Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. ESTA 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, PA 17013- 717-249-3166 CCP Notice to Defend W&AFileNo.1'l121111?O . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff " 0- : No. 0/.,.111'17 Cu;J .u- VS. STEPHEN E SMITH Defendant( s) : CIVIL ACTION - LAW COMPLAINT AND NOW, this 06 day of July, 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, DELA WARE 19850. 2. Defendant, STEPHEN E SMITH, is an adult individual with a last known address of 1289 HIGH STREET, BOILING SPRING, CUMBERLAND COUNTY, PA 17007. 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 Cmplt - MBNA W & A File No. 133239120 (FAA) governed the Agreement and that following disposition through the NAP, 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 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. I O. 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 $6,138.35. 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 18 %. 12. The amount of interest which has accrued on the aforementioned account is the sum of $1,752.47. CCP Cmpl! - MBNA W & A File No. 133239120 2 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 W olpoff & 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 $920.75. 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. 133239120 3 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 $6,138.35, plus interest in the amount of $1,752.47, plus attorney's fees in the amount of $920.75, plus costs of this action and any other relief as this Court deems proper and just. Date: ~ 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 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. 133239120 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: ~ ~ 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 Cmp1l- MBNA W & A File No. 133239120 5 Exhibit IIAII ------------- - . . , . . .' .' . .. . . . , . GOLllOYTlON . . . . . . A.CCO-uNrr. A.G .....E .;~T . . . I -A., ~ I ~ ....... A., . ....")rIi'....,.............."............. - .. -- - ....... ...... ......... WI............... A. . 1lII... ""!o............ "MBNA"""'" - WIRfA A..-.... N.A. n._ .M/IWII'_'" ...,........ ..........J.., . 0IIr~.,......"..4. -.....-.. ........................ -. _.......,.. ,.....IY_~IoIIr.......lIl J ..,..............JIlIIlIlllnal .......... .) ~.. L .' . ....... . WIIlIa,.,..~....,.. .............. -,.....--.,......... - oIl1lil1~ Y.. _ . ... ....... 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Date 12/03/04 Account 74973176887593 Mode L ..Nxt CLIE~T NO ~01730 MBNA ACCT#74973176887593 BALANCE --$6,138.35 ****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 10/06/04 *M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME 74973176887593 A I SMITH *M-FIRST-NAME *M-ADDR-l *M-ADDR-2 STEPHEN E 1369 SHUMAN DR *M-CITY *M-COUNTY CARLISLE *M-WORK-PH 7242668239 *M-POE-ADDR + - *M-DOB 02113 179 *M-STATE*M-ZIP PA 170139247 *M-POE-NAME *M-HOME-PH 7242668239 *M-LOAN-TYPE*M-LENDING-OFFICER LUOl OUOOOl *M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE AGNY 176 *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE PAA 0000 12/01/04 05/31/04 01/01/69 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 10/06/04 $6,138.35 $.00 $.00 $6,138,35 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-l $6,138.35 $.00 $,00 MBNA AMERICA *M-COMMENT-2 000 20041201 OMIBl 0000060 -MODE L=LFT R=RGT W=WRP Next File . . 'l~~ v.> In ~ ~ ~ \" - ~ ~ 1- 8 , :J "n _._-~ :t::-n fl":::::: ,..." . (, a~ . " II ,- ~AIGINAL IN THE COURT OF COMMON PLEAS OF U CUMBERLAND COUNTY, PENNSYL VANIA MBNA AMERICA BANK, N.A., Plaintiff No. 06-4147 CIVIL TERM Ys. STEPHEN E. SMITH, Defendant CIVIL ACTION . LAW PRAECIPE TO STAY TO THE PROHTONOTARY OF CUMBERLAND COUNTY: Kindly stay the proceedings in this matter pending arbitration, pursuant to Pa.R.C.P. 1329(c)(l). Respectfully Submitted, G~ Andrew C. Spears, Esquire ID No. 87737 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, P A 17011 (717) 303.6752 Counsel for Plaintiff LAWOFPICES WOLPOFF.I: ABRAMSON, L.L.P. A1TORNEYS IN THE PRACTiCE OF DBBT COUZCT10N 4880 TRINOl.E ROAD THIRD FLOOR CAMP HILL., PA 17011 717-303-6700 ... '. . LAWOFPICES WQlJ'OFF a: ABRAMSON, LL.P. ATI'ORNEYS IN THE PRAC11CE OF DEBT COUEC110N .4860 TRINOlE 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. 06-4147 CIVIL TERM vs, STEPHEN E. SMITH, CIVIL ACTION - LAW Defendant CERTIFICATE OF SERVICE The undersigned does hereby certify that I served a copy of the foregoing Praecipe upon Counsel for Defendant, by First Class Mail, Postage Pre-Paid, a copy thereof on this ~ hy of August, 2006, to: Mark W. Allshouse, Esquire 4833 Spring Road Shermans Dale, P A 17090 GrJ> _ Andrew C. Spears';1!SqUire ID No. 87737 Wolpoff & Abramson, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, P A 17011 (717) 303-6752 Counsel for Plaintiff () ....., c = ~ = :?" "" _...-",. r~~n "... ::t! -?:. , c:: C-, n'~ ~~:~~ - N -om r' \.0 7J? ,;::',. "-="C) l.'" -0 ;-}~:B ~t~_ -" ,/:'(j '-t? -.-rn Z C) ~ C) ?:@ \,l:) -< SHERIFF'S RETURN - REGULAR CASE NO: 2006-04147 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK N A VS SMITH STEPHEN E ROBERT BITNER , Sheriff or Deputy Sheriff of Cumberland County, pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon SMITH STEPHEN E the DEFENDANT , at 1440:00 HOURS, on the 4th day of August , 2006 at 1289 HIGH STREET BOILING SPRINGS, PA 17007 by handing to MICHELLE SMITH 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 Postage Surcharge So Answers: 18.00 7.04 .39 10.00 ,00 35.43 ~~~:~~ R. Thomas Kl ine .. 08/04/2006 WOLPOFF & ABRAMSON day ~~~ Deputy erif;' Sworn and Subscibed to before me this of A.D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A, No, 06-4147 Plaintiff VS CIVIL ACTION - LAW STEPHEN E SMITH Defendant(s) PRAECIPE TO SETTLE AND SATISFY Please mark the above-captioned action as settled, satisfied and discontinued, Respectfully Submitted, Date: Amy F. Doyle # 7062/ Daniel F, Wolfson #20617 Phili arhol c #86341 / Andrew C. Spears #87737 avid R. alwway #~ I j'Z6-/. Tonilyn M. Chippie #87852 asz #8646 / 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 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff Cc: MARK W ALLSHOUSE 4833 SPRING RD SHERMANS DALE, P A 170900000 W&A File No. 133239120 ~ 0 <::::> ""Tl -..J <- :t~. ;.r.: en \:J _',J.'" r--\ '~:rf -11 C-:) fTl. c..)