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HomeMy WebLinkAbout06-4906IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AM?RICA BANK, N.A. No. -4q64- 0. i 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS R V ZAWOISKI 355 BIG SPRING RD NEWVILLE PA 17241 Defendant(s) CIVIL ACTION - LAW Filed on behalf of. Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this party: Date: ?? b(p Amy F. Doyle #870h2 / 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 117P. A =1-hr,. 1cnnnoi 0 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS :No. R V ZAWOISKI Defendant(s) NOTICIA :CIVIL ACTION - LAW USTED HA SIDO DEMANDADOIA 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 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. 159097181 IN THE COURT OF COMMON PLEAS Oh CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. : No. Ote - `/ ^>O? n Plaintiff 1.1 p.y? VS. ` R V ZAWOISKI CIVIL ACTION - LAW Defendant(s) AND NOW, this 25 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: Plaintiff is MBNA AMERICA BANK, N.A. , located at 655 PAPER MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411. 2. Defendant, R V ZAWOISKI, is an adult individual with a last known address of 355 BIG SPRING RD, NEWVILLE, CUMBERLAND COUNTY, PA 17241. 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 (FAA) governed the Agreement and that following disposition through the NAF, judgment may be entered in any state court having jurisdiction. CCP Cmplt - MBNA wo AF W &A File No. 159097181 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". 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. The last payment made on this account was on April 25, 2006. 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 $11,794.49. 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 6 %. 12. The amount of interest which has accrued on the aforementioned account is the sum of $174.49. 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. 159097181 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 wi?hin the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - MBNA wo AF W & A File No. 159097181 WHEREFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiffland against Defendant, in the amount of $11,794.49, interest in the amount of $174.49, plus costs of this action and any other relief as this Court deems proper and just. Respectfully submitted, Date: 8 /4 0 P" ? U"?' - Amy F. Doyle 7062 / Daniel F. Wolfson #20617 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, 3rd Floor Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff CCP Cmplt - MBNA wo AF W & A File No. 159097181 VERIFICATION 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 ar 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 unworn falsification to authorities. Date: d Amy F. Doyle #81P62 / Daniel F. Wolfson #20617 Philip C.Warholi #86341 f Andrew C. Spears #87737 David R. Galloway #87326 / Tonilyn M. 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'gig a??9E pp y t: t: I c oEb gal E• iin mSm ?oaE Exhibit "B" W, 0 CLIENT NO 001730 MBNA ACCT#5490353290121663 BALANCE -- 12,056.84 ****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 10/11/05 *M-ACCT-NO *M-REC-TYPE*M-GUST-TYPE*M-LAST-NAME 5490353290121663 A I ZAWOISKI *M-FIRST-NAME *M-ADDR-1 *M-ADDR-2 RV GENERAL DELIVERY *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH COLDSPRING TX 773319999 2025307153 *M-WORK-PH *M-DOB *M-POE-NAME 5558888888 05/20/40 *M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER LM01 OM0001 * M-BAN K-CODE* M- B RAN C H-CODE * M-CAL L-CODE* M- R ECO V E R E R-CODE* M-DEALER-COD E LMGR *M-CO-RSN*M-ACCT-STATUS*M-I NT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE PAA 0000 04/05/06 07/21/99 01 /01 /69 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 10/11/05 12,056.84 .00 .00 12,056.84 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 12,056.84 .00 .00 123455EE12345 *M-COMMENT-2 002 20060405 0000125 *M-COMMENT-3 *M-COMMENT-DATE 04/05/06 *M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME ZAWOISKI J A 92.50 .00 * M-MONTHLY-PYMT* M-OTHER-PYMT* M-OWN-RENT-CODE* M -RECOVERY-SCORE* M-NEXT- PAY-DATE .00 .00 R 0731 * 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 v rt, Tt (? iii 10-0 SHERIFF'S RETURN - REGULAR CASE NO: 2006-04906 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK N A VS ZAWOISKI R V KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within NOTICE was served upon 7ATAT lTQVT R 17 the DEFENDANT , at 0018:46 HOURS, on the 6th day of September, 2006 at 355 BIG SPRING ROAD NEWVILLE, PA 17241 by handing to JOSEPH ZAWOISKI (HUSBAND) a true and attested copy of NOTICE together with COMPLAINT and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 1?- Sworn and Subscibed to before me this of So Answers: 18.00 10.56 ? -- p .00 10.00 R. Thomas Kline .00 38.56,? 09/07/2006 4/2 7/aG WOLPOFF & ABRAMSON By. e-,-- / Z"/ If day A. D. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS R V ZAWOISKI Defendant(s) No. 06-4906 CIVIL CIVIL ACTION - LAW PRAECIPE FOR JUDGMENT Please enter Judgment in favor of Plaintiff and against Defendant(s), R V ZAWOISKI , for failure to answer the Complaint. (X) Amount due Less credits TOTAL $11,968.98 $11,968.98, plus interest and costs ( X ) I certify that the foregoing assessment of damages is for specified amounts alleged to be due in the complaint and is calculable as a sum certain from the complaint. (X) Pursuant to Pa.R.C.P. 237 (Notice of Praecipe for final judgment or decree), I certify that a copy of this praecipe has been mailed to each other party who has appeared in the action or to his/her Attorney of Record. (X) Pursuant to Pa.R.C.P. 237.1, I certify that written notice of the intention to file this praecipe was mailed or delivered to the party against whom judgment is to be entered and to his/her Attorney of Record, if any, after the default occured and at least ten days prior to the date of the filing of this praecipe and a cop"f the notice is attached. Date: ©?0 Amy . Doyle #87 2 / Danie . Wolfson #20617 Philip C. Warholi #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 NOW, I , 20-0(. , JUDGMENT IS ENTE AS ABOVE. Pro otary/Cl , Ci it Div' ion By: Deputy W&A File No. 159097181 IAAA OFFICE' rWO IRVINGTON CENTRE P02 KING FARM BLVD., ROCKVILLE, MD 20850 iEGIONAL OFFICES 0606 JUDICIAL DR., BLDG. A•5, FAIRFAX, VA 22030 7 WEST CARY STREET, RICHMOND, VA 23220 A22 GREENWICH RD., VIRGINIA BEACH, VA 23482 119 N. MARKET ST., STE. 1300, WILMINGTON, DE 19899 VALLEY BANK BLDG., BOX 1226, CLARKSBURG, WV 29302 1660 TRINDLE RD., STE. 300, CAMP HILL, PA 17011 101 GRANT ST., STE. 4300, PITTSBURGH, PA 15219 1 NU ROADSIDE DR., STE. 265, AGOURA HILLS, CA 91301 19500 HIGH POINTE BLVD., STE. 250, NOVI, MI 48375 100 CANAL VIEW BLVD., ROCHESTER, NY 14623 i215 N. O'CONNOR BLVD., STE. 1080, LAS COLINAS, TX 75039 1200 SOUTHWEST FREEWAY, STE. 3300, HOUSTON, TX 77027 I80 GLASTONBURY BLVD., GLASTONBURY, CT 06033 1201 PECHTREE STREET, STE. 1717, ATLANTA, GA 30361 101 CARLSON PKWY., STE. 303, MINNETONKA, MN 55305 188 WHITNEY AVE., 2ND FLOOR, HOLYOKE, MA 01040 )NE CUMBERLAND PLAZA, 3RD FL, WOONSOCKET. RI 02895 1643 S. ULSTER ST., STE. 800, DENVER, CO 80237 5355 TOWN CENTER ROAD, STE. 1002, BOCA RATON, FL 33488 1700 SEVENTH AVE., STE. 2100, SEATTLE, WA 98101 LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection (A National Collection Attorney Network Finn) 4660 TRINDLE ROAD SUITE 300 CAMP HILL, PA 17011 717-303-6700 OUTSIDE THE CAMP HILCOCAL AREA (TOLL FREE) 1-800-758-0675 FACSIMILE 717-737-9051 PLEASE DIRECT ALL INQUIRIES TO THE CAMP HILL OFFICE R V ZAWOISKI 355 BIG SPRING RD NEWVILLE, PA 17241 October 26, 2006 NATO N A RN Y N IA F & AB BIRMINGHAM ALABAMA FARGO, OTA ANCHORAGE, ALASKA CLEVELAND, OHIO PHOENIX, ARIZONA OKLAHOMACITY, OKLAHOMA CABOT,ARKANSAS EUGENE, OREGON HONOLULU, HAWAII COLUMBIA, SOUTH CAROLINA BOISE, IDAHO KNOXVILLE, TENNESSEE CHICAGO, ILLONOIS SANDY, UTAH MERRILLVILLE, INDIANA MILWAUKEE, WISCONSIN KANSAS CITY, KANSAS RAWLINS, WYOMING LEXINGTON, KENTUCKY METAIRIE, LOUISIANA ST. LOUIS, MISSOURI GREAT FALLS, MONTANA OMAHA, NEBRASKAI • The National Collection LAS VEGAS, NEVADA Attorney Network Is on MANCHESTER, NEW HAMPSHIRE off Illation of separate law firms. CEDAR KNOLLS, NEW JERSEY RALEIGH, NORTH CAROLINA W&A Hours of Operation: 8 a.m.•5:30 p.m. ET M-F W&A File No. 159097181 1 RE: MBNA AMERICA BANK, N.A. vs. R V ZAWOISKI Dear R V Zawoiski: Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, Enclosure cc: Jonathan Farmer 800 S. St. Asaph Suite 312 Alexandria VA 22314-0000 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, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. NO. 06-4906 Civil Plaintiff VS. CIVIL ACTION - LAW R V ZAWOISKI Defendant(s) TO: R V ZAWOISKI 355 BIG SPRING RD NEWVILLE PA 17241 DATE OF NOTICE: October 26, 2006 IMPORTANT NOTICE YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. 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 a--- 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 & ABR,AMSON, 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. 159097181 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. 06-4906 CIVIL Plaintiff VS CIVIL ACTION - LAW R V ZAWOISKI Defendant(s) AFFIDAVIT OF NON-MILITARY SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND The undersigned counsel, being duly sworn according to law, depose and say that I am the Attorney for the Plaintiff in the above-captioned matter; and that to the best of my knowledge, information and belief Defendant, R V Zawoiski, above-named, is over 21 years of age; is last known to reside at 355 Big Spring Rd Newville, County of Cumberland, Pennsylvania; is not in the military service of the United States or its Allies, or otherwise within the provisions of the Servicemembers Civil Relief Act and its Amendments. Date: AIAONWEWT ed Rachel Za bm m, NdWY R M MW co"mmmo g1ft N-. 2& Hampden Twp., Ow" NO! County Member, F+erwq/Wania AmdOOM of NOW Amy"F. Boyle # '4b62 iel F. Wolfson #20617 P t t 41 / 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 SWORN and SUBSCRIBED to before me this MhdavofN0VCfn b , 20Lk, I C1 0 A J ""? o146tary Public W & A File No. 159097181 W&A File No. 159097181 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS R V ZAWOISKI Defendant(s) No. 06-4906 CIVIL CIVIL ACTION - LAW CERTIFICATE OF RESIDENCE PA. R.C.P. 236 I hereby certify that the precise address of Plaintiff is: Mbna America Bank, N.A. 655 Paper Mill Road Mail Stop 1411 Wilmington DE 19884-1411 and certify that the last known address of the within LL-,fendant(s) is: R V Zawoiski 355 Big Spring Rd Newville PA 17241 Date: I 1 t ov Amy F. Doyle #97062 / Dadiel F. Wolfson #20617 Philip C. War olic #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. 159097181 f- c?i 4 a w r? O F `2 ?, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS R V ZAWOISKI Defendant(s) No. 06-4906 Civil CIVIL ACTION - LAW NOTICE OF JUDGMENT ( x ) Notice is hereby given that a Judgment in the above-captioned matter has been entered against you in the amount of $11,968.98, plus interest, on _I , 20Z2(¢. ( x ) A copy of all documents filed with the Prothono in support a within judgment is/are attached. By: If you have any questions regarding this Notice, plyaye conta?the il ing party. Date: 1t11-+10(' t, I Amy F. Doy 87062 / D el F. Wolfson #2OM7 Philip C. W holic #8634 / Andrew C. Spears #87737 David R. Galloway #8732:6 / 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 This Notice is given in accordance with Pa.R.C.P. 236.) NOTICE SENT TO: R V Zawoiski 355 Big Spring Rd Newville PA 17241 W&A File No. 159097181 v PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENT) P.R.C.P. 3101 to 3149 MBNA AMERICA BANK, N.A. Plaintiff vs. R V ZAWOISKI Defendant(s) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA JUDGMENT NO. 06-4906 CIVIL PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENT) To the Prothonotary: Please issue the Writ of Execution in the above-captioned matter, in the amount of $11,968.98. (1) Directed to the Sheriff of CUMBERLAND County, Pennsylvania; (2) against,R V ZAWOISKI located at 355 BIG SPRING RD, NEWVILLE, PA 17241, Defendant(s) (3) and against, M &T BANK located at 1 WEST HIGH STREET, CARLISLE, PA 17013, Garnishee(s); (4) and index this writ (a) against, R V ZAWOISKI , Defendant(s) and (b) against, M &T BANK, Garnishee(s), as a lis pendens against the real property of the Defendant(s) in the name of the Garnishee(s) as follows: (Specifically describe property) ***GARNISH ONLY*** You are directed to attach the propertyof the Defendant(s) not levied upon in the possession of M &T BANK located at 1 WEST HIGH STREET CARLISLE, PA 17013, Garnishee(s). All accounts including but not limited to all savings, checking and other accounts, certificates of deposit, notes receivables, collateral, pledges, documents of title, securities, coupons and safe deposit boxes. Amount due $11,968.98 Interest from 12/01/2006 To Be Determined At an interest rate of 6% per year Total $11,968.98 Plus costs & interest Date: 1/243 7 Q_?? Amy F. Doyle # 062 / D Philip C. Warho is #86 #873 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. 159097181 XXX-XX-6799 2fb o- tl- ?f w ~ W I*k t4j 4Q 'cq a OD ;C c? r • - WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-4906 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due MBNA AMERICA BANK, N.A., Plaintiff (s) From R V ZAWOISKI, 355 BIG SPRING RD., NEWVILLE, PA 17241 (1) You are directed to levy upon the property of the defendant (s)and to sell . (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of M & T BANK,1 WEST HIGH STREET, CARLISLE, PA 17013 - ALL ACCOUNTS INCLUDING BUT NOT LIMITED TO ALL SAVINGS, CHECKING AND OTHER ACCOUNTS, CERTIFICATES OF DEPOSIT, NOTES RECEIVABLES, COLLATERAL, PLEDGES, DOCUMENTS OF TITLE, SECURITIES, COUPONS AND SAFE DEPOSIT BOXES. GARNISHEE(S) as follows: and to notify the gamishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $11,968.98 L.L. $.50 Interest FROM 12/1/06 AT AN INTEREST RATE OF 6% PER YEAR Atty's Comm % Atty Paid $130.06 Plaintiff Paid Due Prothy $2.00 Other Costs Date: NOVEMBER 30, 2007 (Seal) REQUESTING PARTY: Name DAVID R. GALLOWAY, ESQUIRE Address: WOLPOFF & ABRAMSON, L.L.P. 4660 TRINDLE ROAD, SUITE 300 CAMP HILL, PA 17011 Attorney for: PLAINTIFF Telephone: 717-303-6700 Supreme Court ID No. 87326 Ur,PULy SHERIFF'S RETURN - GARNISHEE CASE NO: 2006-04906 P COMMONWEALTH OF PENNSLYVANIA COUNTY OF CUMBERLAND MBNA AMERICA BANK N A VS ZAWOISKI R V And now DAVID MCKINNEY Sheriff or Deputy Sheriff of Cumberland County of Pennsylvania, who being duly sworn according to law, at 0014:51 Hours, on the 5th day of December , 2007, attached as herein commanded all goods, chattels, rights, debts, credits, and moneys of the within named DEFENDANT ZAWOISKI R V in the hands, possession, or control of the within named Garnishee M & T BANK 1 WEST HIGH ST CARLISLE, PA 17013 Cumberland County, Pennsylvania, by handing to CONNIE NEGLEY (BRANCH MANAGER) personally three copies of interogatories together with 3 and attested copies of the within WRIT OF EXECUTION the contents there of known to Her t rue and made Sheriff's Costs: So answers- Docketing .00 Service .00 Affidavit .00 . Thomas Kline Surcharge .00 Sheriff of Cumberland County .00 12/05/2007 Sworn and Subscribed to before me this day of By Deputy Sheriff A.D MMKTBank December 27, 2007 Prothonotary of Cumberland County Court of Common Pleas Cumberland County Courthouse 1 Courthouse Square Carlisle, PA 17013 Legal_ Document Processing Phone # 716-635-7713 Fax # 716-635-7725 Re: Writ of Garnishment on Garnishee received by Manufacturers and Traders Trust Company, Garnishee MBNA America Bank vs RV Zawoiski Case #06-4906 Dear Prothonotary: Enclosed for filing with your office are Manufacturer and Traders Trust Company's Responses to Interrogatories herein. Please date stamp and return the enclosed copy in the enclosed, pre- addressed, postage pre-paid envelope. Thank you. Sincerely, ca--- Jari c M Glasgow Legal Document Analyst Legal Document Processing (716) 635-7713 Enclosures: Original Answer for filing Copy of Answer to Date Stamp and Return Pre-Addressed, Postage Pre-paid Return Envelope Manufacturers and Traders Trust Company PO Box #844 Buffalo NY 14240 ANSU)" -to INTERROGATORIES TO GARNISHEE DEFENDANT(S) - R V ZAWOISKI 1. DEPOSITORY ACCOUNTS: At the time you were served or at any subsequent time, state whether or not the Defendant(s) maintains any checking, savings, lines of credit, certificate of deposit's or other depository accounts with your institution. If so, state the identification numbers of those accounts, and the amount or amounts the Defendant(s) has in each account. If the Defendant(s) maintains any of these jointly with any other person, or persons, give their name and address. (?Q,P J o h A. 2-1q W p i1 k-<? t-- 3,? .3,i la 7 (0 5 (7 - ?r 3?s5 c/?A- o 1hS L?r?/,?0? IA. DIRECT DEPOSIT ACCOUNTS: Are any of the accounts you h? t deposit accounts? If yes, please state the identification numbers of those accounts. O?,y Ada c? r? 4L e, ?46 6491NO V,.>, G 40, 1 p 0 %I 2. If you are a bank or other financial institution, at the time you were served or at any subsequent d4f 1 4 defendant have funds on deposit in an account in which funds are deposited electronically on a recurring bas which are identified as being funds that upon deposit are exempt from execution, levy or attachment under Pennsylvaniy-or federal law? If so, identify each account and state the reason for the exemption, the amount being withheld under each exemption and the entity electronict depositing those funds on a recurring basis. ? ? 4'k JO Balanced reflects funds a?'bottf0n AL,L,oi Social Secur tytDgect Deposit 01 r bier both o Mtn 3. If you are a bank or other financial institun t he you were served or at any subsequenime did the defendant have funds on deposit in an account in which iA4Q'h-en deposit, not including any otherwise exempt funds, did not exceed the amount of the general monetary exemption under 42 Pa.C.S. 8123? If so, identify each account. W ? May?aia,,o? Tra?tA ? Ar ?oC4 nSac ef;?ot oV;a? pie do rJn d 4. TRANSFER OF PROPERTY: At any time after you were served did you pay,' oney or property to the defendant or to any person or place pursuant to the defendant's direction or otherw claim of the defendant against you? g ?e@ S OD 5. SAFE DEPOSIT BOXES: At the time you were served or at any subsequent time, state whether or not the Defendant(s) maintains any safe deposit box or boxes. If so, include the identification number or other designation of the box or boxes. Include a full description of the contents and also the amount of cash among those contents. If the Defendant(s) maintains any of these jointly with any other person or persons give their full name and address. N° W&A File No. 159097181 XXX-XX-6799 6. REAL OR PERSONAL PROPERTY: At the time you were served or at any subsequent time, state whether or not Defendant(s) owns any personal property that was in your possession and/or control. If so, include a full description of all personal property giving full value and present location. State also whether or not there are any encumbrances or liens holders, the present balance of the encumbrance. State where and when the encumbrances or liens was recorded. If the Defendant(s) owns any personal property jointly with any person or persons, give names and address. 0 D 7. OTHER ASSETS: At the time you were served or at any subsequent time, did you know of the existence of any other asset(s) of the Defendant(s) which are not disclosed in the preceding Interrogatories. If so, please set forth all details concerning those asset. OD 8. PROPERTY HELD AS A FIDUCIARY: At the time you were served or at any subsequent time, did you hold as a fiduciary any property in which any Defendant(s) had an interest? If so, please describe for each Defendant(s) the nature of the property including its value and the interest of Defendant(s). P-b 9. FEES OUTSTANDING TO GARNISHEE: Are there any attorneys fees or processing fees charged by you against the Defendant(s) or account(s) of the Defendant(s) for the completion of this Answer. If yes, outline the exact amount of any fees due and owing to the garnishee or the attorney for the garnishee for the preparation of the Answer. Date: Z o N? JAN1CE M. GLASGOW M&T BANK Amy F. Doyle #87@62 / Danie glfson #20617 Philip C. Warholic'#86 / Da v' au #?8? Tonilyn M. Chippie #87852 / Sarah E. Ehasz #86469 Robert N. Polas, Jr. #201259 / Ronald S. Canter #494000 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. 159097181 XXX-XX-6799 r-j f. m IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS R V ZAWOISKI Defendant(s) No. 06-4906 CIVIL CIVIL ACTION - LAW PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION To the Prothonotary: Kindly mark the attachment against the Garnishee, M &T BANK, discontinued, upon payment of your costs only. Respectfully Submitted, Date: c 2-1? /t.& Amy F. Doyle 7062 / Daniel F lfson #20617 Philip C. Wash lic #863I?a ' Galloway $?326?? Tonilyn M. Chippie #878' 2 7Sarall . asz - Robert N. Polas, Jr. #201259 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. 159097181 N -44 cD clo - b V S .1 y r R. Thomas Kline, Sheriff, who being duly sworn according to law, states this Writ is returned ABANDONED, no action taken in six months. Sheriff s Costs: Advance Costs: 212.80 Docketing 18.00 Poundage 1.69 Advertising Law Library .50 Prothonotary 1100 Milage 4.80 Misc. Surcharge 30.00 Levy 20.00 Post Pone Sale Certified Mail Postage Garnishee 9.00 85.99 ? 85.99 126.81 Refunded on 8/05/08 So Answers, C rAO004 R. Thomas Kline, Sheriff 1. 0 By a-, &"k-e L Z d E - 320 LOOT 4s-21o ?, lr.z79y o; 0 WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-4906 Civil CIVIL ACTION - LAW TO THE SHERIFF OF CUMBERLAND COUNTY: To satisfy the debt, interest and costs due MBNA AMERICA BANK, N.A., Plaintiff (s) From R V ZAWOISKI, 355 BIG SPRING RD., NEWVILLE, PA 17241 (1) You are directed to levy upon the property of the defendant (s)and to sell (2) You are also directed to attach the property of the defendant(s) not levied upon in the possession of M & T BANK, 1 WEST HIGH STREET, CARLISLE, PA 17013 - ALL ACCOUNTS INCLUDING BUT NOT LIMITED TO ALL SAVINGS, CHECKING AND OTHER ACCOUNTS, CERTIFICATES OF DEPOSIT, NOTES RECEIVABLES, COLLATERAL, PLEDGES, DOCUMENTS OF TITLE, SECURITIES, COUPONS AND SAFE DEPOSIT BOXES. GARNISHEE(S) as follows: and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant (s) or otherwise disposing thereof; (3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a garnishee and is enjoined as above stated. Amount Due $11,968.98 L.L. $.50 Interest FROM 12/1/06 AT AN INTEREST RATE OF 6% PER YEAR Atty's Comm % Atty Paid $130.06 Plaintiff Paid Due Prothy $2.00 Other Costs Date: NOVEMBER 30, 2007 (Seal) REQUESTING PARTY: Name DAVID R. GALLOWAY, ESQUIRE Address: WOLPOFF & ABRAMSON, L.L.P. 4660 TRINDLE ROAD, SUITE 300 CAMP HILL, PA 17011 Attorney for: PLAINTIFF Telephone: 717-303-6700 Supreme Court ID No. 87326 -? FuV GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 JOEL M. FLINK, ESQUIRE Identification No.: 41200 1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 -IL'-'D- OF FIC OF FHE28j9A4NOTAR1 2012 JAN 19 AM 11: 35 CUMBERLAND COUNTY PENNSYLVANIA MBNA AMERICA BANK, N.A. VS. ROSEMARIE V ZAWOISKI COURT OF COMMON PLEAS CUMBERLAND COUNTY DOCKET NO. 2006-4906 ENTRY OF APPEARANCE TO THE PROTHONOTARY: Kindly enter my appearance on behalf of the plaintiff in the above-captioned matter. GORDON & WEINBERG, P.C. BY: FREDERIC \4! WEINBERG, ESQUIRE JOEL M. FLINK, ESQUIRE Attorney for Plaintiff P012 CERTIFICATION OF SERVICE I, FREDERIC I. INEIMERG, ESQUIRE, hereby certify that I, on the date below, served a copy of the Substitution of Attorney and Entry of Appearance Pursuant to Pa.R.C.P. 1028(c)(1), via First Class Mail, postage pre-paid, to all other parties or their counsel of record. FREDE . EINBERG, ESQUIRE Dated: I I' ? I { ,. FILEO-OFFICE w 209%jj?E PROI?H4NQ1AR GORDON & WEINBERG, P.C. BY: FREDERIC I. WEINBERG, ESQUIRE Identification No.: 41360 2012 FEB 24 011:2 ' CU PBEENNSYLVANIA JOEL M. FLINK, ESQUIRE Identification No.: 41200 E1001 E. Hector Street, Ste 220 Conshohocken, PA 19428 484/351-0500 2MBNA AMERICA BANK, N.A. COURT OF COMMON PLEAS CUMBERLAND COUNTY VS. DOCKET NO. : 2006-4906 wROSEMARIE V ZAWOISKI NOR w ORDRR TO SATISFY JUDGISM TO THE PROTHONOTARY: Kindly mark the judgment entered December 1, 2006 in the above- = captioned matter satisfied upon payment of your costs only. .? GORDON & WEINBERG, P.C. BY: FREDERIC INBERG, ESQUIRE JOEL M. FL NK, ESQUIRE Attorney for Plaintiff ?P005 MARC R. GORDON 1001 E. HECTOR STREET FREDERIC I. WEINBERG• SUITE 220 JOEL M. FLINK• GW A t t o r n e y s a t L a w CONSHOHOCKEN, PA 19428 CHRISTOPHER S. FROBA• *Also member NJ Bar 1200 LAUREL OAK ROAD SUITE 104 VOORHEES, NJ 08043 PHONE: (484) 351.0500 FACSIMILE: (484) 351-0501 February 21, 2012 ROSEMARIE V ZAWOISKI TOLL FREE: (866) 465.8087 355 Big Spring Rd Newville PA 17241 (Reply to Pa office) RE: Creditor MBNA AMERICA BANK, N.A. Current Balance Due: 0.00 - My File No: 2083952 Dear Mr. ZAWOISK: Please be advised that we are in receipt of your final payment which serves as satisfaction of the debt owed. This debt is now paid in full and I am closing my file. I am enclosing an original Order to Satisfy Judgment which I have executed and which you must file with the Court in order to mark this matter settled on the court docket. There may be a fee to file the enclosed Order. You may take this document or mail it to the address listed below for filing. Please contact the court below to determine the amount of any fee. Prothonotary of Cumberland County One Courthouse Square Carlisle, PA 17013 717/240-6195 FAILURE TO FILE THIS ORDER TO SATISFY JUDGMENT WILL CAUSE THE JUDGMENT TO APPEAR OPEN AND UNSATISFIED TO ANYONE INQUIRING INTO YOUR CREDIT. As a result of this settlement, if the amount forgiven or cancelled on this debt equals or exceeds $600.00, the IRS may require Bank of America to report the amount forgiven or cancelled on a Form 1099-C. You will receive this form for the year in which the settlement is completed. If you want advice about the potential tax consequences that may result from this settlement, Bank of America recommends that you consult a tax professional of your choosing. The Bank does not make any representations about the tax consequences that this settlement may have for you or any reporting requirements that may be imposed on the Bank. www.gordonweinberg.com Thank you. FIW:dmm Enclosures D304 Very truly yours, GORDON & WEINBERG, P.C. /s/ Frederic I. Weinberg FREDERIC I. WEINBERG, ESQUIRE Gordon & Weinberg, P.C. is a debt collector. This letter and any future letters from our firm are an attempt to collect a debt and any information obtained will be used for that purpose.