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Home My WebLink About06-4771 f ' ~ r" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ell.)itT~ MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS ROBERT D BAILEY 1166 REDWOOD DR CARLISLE PA 17013 Defendant( s) Date: 9/1 /~~ W&A File No. 141059270 No. Dl. - Jf7~( CIVIL ACTION - LAW Filed on behalf of: Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this party: A.my . Do~ #87062 aniel F. Wolfson #20617 Philip C. holic #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 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. :No. Plaintiff VS :CIVIL ACTION - LAW ROBERT D BAILEY 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 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 MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THA T 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. 141059270 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff :No. VS ROBERT D BAILEY 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 recIarnado en la Demanda 0 por cualquier otro recIamo 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 OFlCINA FUADA AQUI ABAJO. ESTA OFlCINA 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 0 GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, P A 17013- 717-249-3166 CCP Notice to Defend W&A File No. 141059270 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff ; No. ot.. -J("r't! C;()~Ll~ VS. ROBERT D BAILEY Defendant( s) : CIVIL ACTION - LAW COMPLAINT AND NOW, this 11 day of July, 2006, comes the Plaintiff, MBNA America Bank, N.A., by and through its attorneys, the law firm of W olpoff & 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, ROBERT D BAILEY, is an adult individual with a last known address of 1166 REDWOOD DR, 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.n 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 (NAP). 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. ~U-16 CCP Cmplt- MBNA W &AFileNo. 141059270 (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 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 $5,558.21. 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 0/0. 12. The amount of interest which has accrued on the aforementioned account is the sum of $1,203.31. CCP Cmplt- MBNA W & A File No. 141059270 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 attomey'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 $833.73. 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. 141059270 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 $5,558.21, plus interest in the amount of $1,203.31, plus attomey's fees in the amount of $833.73, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: ct/9 ~h e# 0 /DanieIF.Wolfson#20617 Philip C. arh' 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 W & A File No. 141059270 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: <<IV; ~(, Y F. D e #87 / Daniel F. Wolfson #20617 Philip C. arholic #86341/ Andrew C. Spears #87737 David R. alloway #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. 141059270 5 Exhibit II All .... . ~l\l '" A\\Ul - at ,1 Ii \ \1 \, ' WI"i" - ",' " . . ! I a,\ ,I' ,I 1 .1 . 1 ,.." I."' ' \ 51,a\'\ to' 1ll' nl\l\\\ i~ \' .1\ I \l~~ l\:I\ J :El!~ :\ J~n1\\U tl\\\\\~nnl\\\~ldb~\i\int ,l\\hi \nut" 't, ,',': " ' " ; 'I I S i J jll . I =21 1,'2 ,; Is ~j t 'i5~ J ~i.ll 1 I i~ld :ls.l] 1111s1 dR. JiilfJllfH] ~~lifJj'I'( j ; ~"Ifl = -Gii V lil;IU. "I.. . l' Ii li '., ~ ~df I I IS i f~ln : UUI Jliljli !g;lf _,lliIIU!dJ! jIH~1f.'! I ulfJ Ilu ! &1,.1: Iii I . II J cj~J'lhnHhi if)t' I: ,~dll! . 111:. t s I a . I I J fl! . f ,... 2 c5:: ! II I fJ.s 'Ii 1 t. 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J :hl II !a-!iJ In 1 ~ oS ir.l j:IJI .f- Ii! ~ IJ. Ii -Uhf f.r Iii' ~imLI'li' ~ il ~IUJ : l"'lfnhi!filli IdUifmm!;ul m U::!f ~llul ~Mr:Hf 11;lniiHUildlU ., :"; :': .. . ~. ..:: :i- F ~'. ',' " ~:: , ~: .", ,..' ., ;1 !! '~!H~Mm!~ 1; JffUlljJ~i!Jn i i!!u!fiUU i~;! II ' 8 :l....~..~ "1II"'~:; -I - 9 .j" ,lcl' !.. III $. .. '" ~~ e*:;;,;Ji~f~~~i I ,i'~ ~~;ff~!=.~1 ,I, J' Jill",' J~ i, ! ~!!.d~&j~~l;::> I ;Ilj ii ~..~f H II ,fS:!!IU ~~~I ;.;lI"'s~Jl;~i:;~i~~l~ t:~jllLJg..:~ ;!!~~~ i II t~hJ J~~a~~ ~ ~ ij~il Jf j!IJff:!;~ii;~~;~~li;~JI;~=~I;'II!!!i;Jti;;JIJi;!!i!fiJ;g~~J ,a u...Ui~i~Q!~:!.H H 1l2B~li~i.s.xli~!Hl 5~h! :r;;;uHI: R~d 1E.' Exhibit 11811 CLIENT NO 001730 MBNA ACCT#4313040502044878 BALANCE --5,558.21 '..~... PRIMARY DEBTOR ..... C/O DATE 01/01/69 LSTPY DT 01/28/05 ACCT-NO 'M-REC- TYPE'M-CUST- TYPE'M-LAST-NAME 4313040502044878 A I BAILEY ADDR-1 'M-ADDR-2 'M-CITY 'M-COUNTY 'M-STATE*M-ZIP 'M-HOME-PH CARLISLE PA 170131378 7172437680 'M-DOB 'M-POE-NAME 'M-POE-ADDR LV01 OV0001 RECOVERER-CODE*M-DEALER-CODE 502 CONT ACT-DA TE'M-CO-DA TE 01/01/69 INT*M-CUR-BAL 'M-NET-PRIN 'M-NET-COST 'M-NET-INT 5,558.21 .00 .00 00120050425 0000055 'M-COMMENT-DATE 'M-2ND-NAME .00 ,00 CODE*M-RECOVERY -SCORE'M-NEXT -PA Y -DATE 0629 RA TE'M-HOME-PH-FLAG'M-WORK-PH-FLAG 'M-ADDR-FLAG'M-SSN 'M-MIO'M-AG 'M- 0000000000 'M-FIRST-NAME 'M- 1166 REDWOOD DR 'M-WORK-PH 01/01/50 ROBERT D 'M-LOAN- TYPE'M-LENDING-OFFICER 'M-BANK-CODE'M-BRANCH-CODE'M-CALL-CODE'M- LMMM 'M-CO-RSN'M-ACCT -ST A TUS'M-INT -RA TE*M-RECEIPT-DA TE*M- PM 0000 04/13/05 12/09/86 'M-LAST -PYMT -DA TE'M-CO-AMT 'M-ASSOC-COST*M-ACCRUED- 01/28/05 5,558.21.00 .00 5,558.21 'M-COMMENT-1 XXXXXXOMBCM12 'M-COMMENT-2 'M-COMMENT-3 04/25/05 'M-MONTHL Y -INCOME*M-OTHER-INCOME *M-MONTHL Y-PYMT*M-OTHER-PYMT*M-OWN-RENT- .00 ,00 R *M-LAST-INT -DATE*M-LAST-CONT ACT-DA TE*M-COMM- 0000 \"::) .lQ, -p 1"- Vl it- ~ !" w 111 - 0 ~ V'\ - ~ ~ ~ w r ~ "f- ~ __'::;l rl\' ';':-~ (, ,j', o <;." c~ ~~<'~,:\ ~ ~ c-~:. o;.~ ,7."'" c: ," - a:> Q.. -' :1;,-<" f1'\E ~tq (~;~~ (->~- '~(.' /-!C;:,-n 9\' ~ ::..<. G: -0 -1( .-'. '-? o Cl' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. 06-4771 Plaintiff CIVIL ACTION - LAW VS ROBERT D BAILEY Defendant( s) PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respectfully Submitted, Date: rtlr~ / /), f ' Amy F. Doyle Philip C. War lic #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 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W &A File No. 141059270 :-- -', .-- _c' IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff No. 06-4771 vs. CIVIL ACTION - LAW ROBERT D BAILEY Defendant( s) CERTIFICATE OF SERVICE The undersigned does hereby certify that a copy of the foregoing praecipe was served this date by Regular Mail, Postage Pre-Paid on this l:r'day of ~~(' ,20U9 PHILIP CHARLES BRIGANTI 74 WEST POMFRET ST CARLISLE, P A 17013 o ~~. Amy ~ePt. 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 W&A File No. 141059270 ~-~ L...... SHERIFF'S RETURN - REGULAR CASE NO: 2006-04771 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK N A VS BAILEY ROBERT D ROBERT BITNER , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within NOTICE was served upon the BAILEY ROBERT D DEFENDANT , at 0020:10 HOURS, on the 12th day of September, 2006 at 1166 REDWOOD DRIVE CARLISLE, PA 17013 by handing to TERRI BAILEY (WIFE) a true and attested copy of NOTICE COMPLAINT together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 4.40 .00 10.00 .00 32.40;;/ Cf-- q/J 't I o~ Sworn and Subscibed to before me this day of So Answers: ~~~~( R. Thomas Kline 09/13/2006 WOLPOFF & ABRAMSON ~--~ 6 ~~' "Jr(l{ Deputy Sheriff A.D.