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Home My WebLink About06-4838 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff No. Dl--J..Ip3f> elCJ~L'--r~ VS I I \ I CIVIL ACTION - LAW KHRISTIE L LONG 317 ZION RD MT HOLLY SPGS P A 17065 JANICE LONG 317 ZION RD MT HOLLY SPGS PA 17065-0000 Defendant( s) Filed o~ behalf of: Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this party: Date: S(rJ-lo(o Amy F. Doyle 87062/ Daniel F. Wolfson #20617 Phili 0 ic #86341/ Andrew C. Spears #87737 avid R. Ga oway nilyn M. Chippie #87852 ar 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. 159301632 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, NA :No. Plaintiff VS :CIVIL ACTION - LAW KHRISTIE L LONG JANICE LONG 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 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. 159301632 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff :No. VS KHRISTIE L LONG JANICE LONG Defendant(s) :CIVIL ACTION - LAW 1 I \ \ I 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 Iservido, con entrando por escrito una aparencia personalmente 0 por un abogado y archivan~o por escrito con la Corte sus defensas 0 objeciones alas demandas puestas en esta contra usted. . Usted 4s 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 Ib Demanda 0 por cualquier otro reclamo 0 alivio solicitado por Demandante. Usted puede perder dinero 0 propiedad 0 otros derechos importante para usted. US TED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED NO TIENE UN ABOGADO, VA Y A 0 LLAME POR TELEFONO LA OFlCINA FUADA AQUI ABAJO. EST A OFlCINA PUEDE PROVEERE CON INFORMACION DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFlCINA 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&A File No. 159301632 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA ~MERICA BANK, N.A. Plaintiff : No. 0(.- 'If3~ CLUL~~ VS. KHRISTIE L LONG JANICE LONG : CIVIL ACTION - LAW Defendant( s) COMPLAINT AND NOW, this 10 day of August, 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: 1. Plaintiff, MBNA AMERICA BANK, N.A. , is a National Banking Association organized under the National Banking Act with a principal place of business situated at 655 PAPER MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411. 2. Defendant, KHRISTlE L LONG, is an adult individual with a last known address of 317 ZION RD, MT HOLLY SPGS, CUMBERLAND COUNTY, PA 17065. 3. Defendant, JANICE LONG, is an adult individual with a last known address of 317 ZION RD, MT HOLLY SPGS, CUMBERLAND COUNTY, PA 17065-??oo. 4. It is averred that Defendants were issued an open-end credit card account by Plaintiff. This account was created through a written contract between Plaintiff and Defendants, accepted by Defendants when they 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." 5. The Credit Card Agreement contains a binding Arbitration provision providing that any claim or dispute between Defendants and Plaintiff would be subject to binding arbitration before the CCP Cmplt- MBNA wo AF 2 W & A File No. 159301632 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 V.S.C. ~~1-16 (FAA) governed the Agreement and that following disposition through the NAF, judgment may be entered in any state court having jurisdiction. 6. At all relevant times material heteto, Defendants have been regular users of said charge card for the purchase of products, goods and/or ror obtaining services and/or funds. 7. By virtue of Defendants' use and I\maintenance of this credit card in connection with their purchases of goods, and services, they became bound to all of its contractual terms, which clearly included an arbitration agreement. Therefore, there is a valid agreement to arbitrate and Defendants consented to the NAF having jurisdiction over 1is claim. 8. Defendants received monthly staiements which accurately state all purchases and payments made during the month, interest chargbs 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.n 9. Defendants did not object to the summary of account. 10. Defendants have made sporadic and irregular payments, if any, which have been applied to the outstanding balance of this account. 11. As of the date of the within Complaint, the remaining balance due, owing and unpaid on Defendants' credit account, as a result of charges made by said Defendants and/or any authorized users is the sum of $3,409.47. , / 12. 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 %. 13. The amount of interest which has accrued on the aforementioned account is the sum of $66.13. CCP Cmplt- MBNA wo AF 2 W & A File No. 159301632 2 14. Plaintiff has retained the services of the law firm ofWolpoff & Abramson, L.L.P. in the collection of the amount due from Defendants. ~5. Despite reasonable and repeated demands for payment, Defendants have failed, refused and continue to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 16. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 17. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - MBNA wo AF 2 W & A File No. 159301632 3 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendant, in the amount of $3,409.47, interest in the amount of $66.13, plus costs of this action and any other relief as this Court deems proper and just. Date: B 111'/0\.12 i I R~SpeCtfullY submitted, Amy F. Doyle # . 0621 Daniel F. Wolfson #20617 ~;p (' w~~~~ jflll;1411 Andrew C. Spears #87737 David R. Gal' #87roTonilyn M. Chippie #87852 Sarah E. Ehasz #864691 Robert N. Polas, Jr. #201259 Bruce H. Ch~kiS #18837 1 Ronald S. Canter #94000 Ronald M. bramson #94266 WOLPOFF ABRAMSON, L.L.P. Attorneys in Ithe Practice of Debt Collection 4660 Trindle Road,Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt- MBNA wo AF 2 W & A File No. ]5930t632 4 VERIFICATION -re undersigned hereby states that he/she is the attorney for the Plaintiff 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 #8 062/ Daniel F. Wolfson #20617 Phili . #86341/ Andrew C. Spears #87737 avid R. Galtowa #873 onilyn M. Chippie #87852 asz #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 CCP Cmplt - MBNA wo AF 2 W & A File No. 159301632 5 \ \ ! \ Exhibit II All . . .' " , . . . G.. 0,"'.'..'. D>...<',"I)'"I(.I..O.... '..N. ..... . ...........;~...~....'.....:. CfjU.... .,<IJ...,...., . "...... . , '" ". .. . . .. ".: ..;i,{,:,;:<..;~..........l........rr'..,.., .rt . .... '.. . .,'C' ..,.j.,. .' . ,,;." '" "0'" AGREEMENT. i . I . \ . 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Date 04/14/06 Account 74993685574839 Mode L ..Nxt CLIENT NO 001730 MBNA ACCT#74993685574839 BALANCE --$3,409.47 ****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 01/17/06 *M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME 74993685574839 A I LONG *M-FIRST-NAME *M-ADDR-1 *M-ADDR-2 KHRISTIE L JANICE LONG 317 ZION RD *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH MT HOLLY SPGS PA 170651418 7174863154 *M-WORK-PH *M-DOB *M-POE-NAME 7172642300 09/28/74 *M-POE-ADDR + . *M-LOAN-TYPE*M-LENDING-OFFICER LU01 OU0001 *M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE AGNY *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE PAA 0000 04/12/06 10/04/00 01/01/69 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 01/17/06 $3,409.47 $.00 $.00 $3,409.47 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 $3,409.47 $.00 $.00 GOLDOPTION-CFPL N/E *M-COMMENT-2 000 20060412 1111AAMMB1123 0000036 .MODE L=LFT R=RGT W=WRP Next File . . Jj (.) ~ ~ ]. frt !"t ~ CI"f 6 (") ....., 8 = ~ ~?:<~ t~:) cr- ...... ~ ". :r! ~ c: -u "_1_" 0.-) m:D ~ r- ..... N -om ~ ?= :ny 0 _-<Ie) ~ .r" -0 ~L:Tj , ~ >~(._) ce. w drn r- ~Z: '-' ~ 01 '> :n N '< . ~ SHERIFF'S RETURN - REGULAR CASE NO: 2006-04838 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS LONG KHRISTIE L ET AL BRIAN BARRICK , Sheriff or Deputy Sheriff of Cumberland CountYrPennsylvaniar who being duly sworn according to lawr saysr the within NOTICE was served upon LONG KHRISTIE L the DEFENDANT r at 0017:37 HOURSr on the 13th day of September, 2006 at 317 ZION ROAD MT HOLLY SPRINGS, PA 17065 by handing to JANICE LONG (MOTHER) a true and attested copy of NOTICE together with COMPLAINT and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: Sworn and 18.00 6.16 .00 10.00 .00 34.16/ <1.):1-0(.. Cfr-- Subscibed to ~~-~~ R. Thomas Kline day 09/14/2006 ~ WOLPO::,& AB~~. Deputy Sheriff before me this of A.D. , .. SHERIFF'S RETURN - REGULAR CASE NO: 2006-04838 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS LONG KHRISTIE L ET AL BRIAN BARRICK , Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within NOTICE was served upon LONG JANICE the DEFENDANT , at 0017:37 HOURS, on the 13th day of September, 2006 at 317 ZION ROAD MT HOLLY SPRINGS, PA 17065 by handing to JANICE LONG a true and attested copy of NOTICE together with COMPLAINT and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 .00 16.00.,./" q-)^~oi, Cf- Sworn and Subscibed to ,......~~ R. Thomas Kline before me this day 09/14/2006 WOLPOFF & ABRAMSON By, ~1Ii Deputy Sheriff of A.D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. 06-4838 Plaintiff VS CIVIL ACTION - LAW KHRISTIE L LONG JANICE LONG Defendant( s) PRAECIPE TO SETTLE AND SATISFY Please mark the above-captioned action as settled, satisfied and discontinued. Respectfully Submitted, Date: ~ By: Amy F. Doyle #87 2/ Daniel F. Wolfson #20617 P~ . / Andrew C. Spears #87737 c/"David R. Galloway #R7126/.i'onilyn 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 Cc: KHRISTIE L LONG JANICE LONG W &A File No. 159301632 '" C'::'::i t;.::~"\ a (....~.... . / _..........: ~..