HomeMy WebLinkAbout06-4905IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A. No. p(p - kQps C IO L
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
Plaintiff
VS
DEBORAH L GERHOLD
525 BEDFORD CT
MECHANICSBURG PA 17050
Defendant(s)
CIVIL ACTION - LAW
Filed on behalf of.
Plaintiff, MBNA AMERICA BANK, N.A.
Counsel of record for this party:
Date: 111 C??
-1414 Amy F. Doyle #87062 / Daniel F. Wolfs
Philip C. Warholic #86341 ew C. Spears #87737
David R. Galloway #87326 / Tom yn ppie 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
W&A File No. 153352714
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
VS
DEBORAH L GERHOLD
Defendant(s)
:No.
:CIVIL ACTION - LAW
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. 153352714
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
:No.
VS
DEBORAH L GERHOLD
Defendant(s)
:CIVIL ACTION - LAW
USTED HA SIDO DEMANDADOfA 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 Aviso es servido, con entrando por escrito una aparencia
personalmente o por un abogado y archivan& 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 lea 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 FUADA
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. 153352714
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A. : No p` -jp$' /?
Plaintiff ?vt
VS.
DEBORAH L GERHOLD
Defendant(s)
CIVIL ACTION - LAW
AND NOW, this 15 day of August, 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 a principal place of business situated at 655 PAPER
MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411.
2. Defendant, DEBORAH L GERHOLD, is an adult individual with a last known address of
525 BEDFORD CT, MECHANICSBURG, CUMBERLAND COUNTY, PA 17050.
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 wo AF
W & A File No. 153352714
(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 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 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 $7,116.50.
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
$751.03.
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.
CCP Cmplt - MBNA wo AF
W & A File No. 153352714
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 performed by
Plaintiff.
16. The amount in controversy is within the jurisdictional amount requiring compulsory
arbitration.
CCP Cmplt - MBNA wo AF
W & A File No. 153352714
7EFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of
Plaintiff and against Defendant, in the amount of $7,116.50, interest in the amount of $751.03, plus
costs of this action and any other relief as this Court deems proper and just.
Respe i submitted,
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 Cmplt - MBNA wo AF
W &A File No. 153352714
The 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 informationy 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 unworn falsification to authorities.
Date:
Amy F. Dpyle #87062 / Daniel F. Wolfson #20617
Philip C. Warholic #86341 J 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 5
W &A File No. 153352714
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Exhibit "B"
CLIENT NO 001730 MBNA ACCT#4264296282066908 BALANCE -- 7,116.50
****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 06/09/05
*M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME
4264296282066908 A I GERHOLD
*M-FIRST-NAME *M-ADDR-1 *M-ADDR-2
DEBORAH L 525 BEDFORD CT
*M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH
MECHANICSBURG PA 170504604 7177307279
*M-WORK-PH *M-DOB *M-POE-NAME
0000000000 01/03/52
*M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER
LV01 OV0001
* M-BANK-COD E* M-B RAN CH-CODE*M-CALL-CODE* M-R ECOV ER ER-CODE* M-DEALER-CODE
LHRK
*M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEI PT-DATE*M-CONTACT-DATE*M-CO-DATE
PCD 0000 12/22/05 04/24/03 01/01/69
*M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL
06/09/05 7,116.50 .00 .00 7,116.50
*M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1
7,116.50 .00 .00 8564334 AAAMA1A123456
*M-COMMENT-2
001 20051222 0000064
*M-COMMENT-3 *M-COMMENT-DATE
12/22/05
*M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME
29.16 .00
*M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-R ENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE
.00 .00 R 0750
*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
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SHERIFF'S RETURN - NOT FOUND
It W
CASE NO: 2006-04905 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
MBNA AMERICA BANK N A
VS
GERHOLD DEBORAH L
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
GERHOLD DEBORAH L but was
unable to locate Her in his bailiwick.
COMPLAINT & NOTICE ,
He therefore returns the
the within named DEFENDANT
NOT FOUND , as to
GERHOLD DEBORAH L
525 BEDFORD COURT
MECHANICSBURG, PA 17050
ALTHOUGH NUMEROUS ATTEMPTS WERE MADE, UNABLE TO SERVE
PRIOR TO EXPIRATION
Sheriff's Costs: So answers
•
Docketing 18.00 '
`
Service 31.68 - "'
Not Found 5.00 R. Thom Kline
Surcharge 10.00 Sheriff of Cumberland County
.00
64.68, WOLPOFF & ABRAMSON
9/2? J0? 09/22/2006
Sworn and Subscribed to before
me this day of IF
A. D.
Curtis R. Long
Prothonotary
office of the Protbonotarp
Cumberlanb Countp
Renee K. Simpson
Deputy Prothonotary
John E. Slike
Solicitor
4010 - YQ6S CVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 28TH DAY OF OCTOBER, 2009, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA
R C P 230.2.
BY THE COURT,
CURTIS R. LONG
PROTHONOTARY
One Courthouse Square • Carlisle, Pennsylvania 17013 • (717) 240-6195 • Fax (717) 240-6573