HomeMy WebLinkAbout06-4945
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
No. Ol- -.I.J9~ Ct(.)iCy~
MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
Plaintiff
VS
SAM H YESPY
431 LAMP POST LN
CAMPHILLPA 17011
Defendant( s)
Date: 8//7/0'
( ,
W&A File No. 151033750
CNIL ACTION - LAW
Filed on behalf of:
Plaintiff, MBNA AMERICA BANK, N.A.
Counsel of record for this party:
Amy F. Doyle 87062/ 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
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
:No.
Plaintiff
VS
:CIVIL ACTION - LAW
SAM H YESPY
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 TillS 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 illRE A LAWYER, THIS OFFICE MAYBE ABLE TO
PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO EUGmLE 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. 151033750
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
:No.
VS
SAM H YESPY
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 cua1quier 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 PAPEL A SU ABOGADO ENSEGUIDA. SI USTED
NO TIENE UN ABOGADO, VAYA 0 LLAME POR TELEFONO LA OFICINA FIJADA
AQm 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 0
GRATIS.
Cumberland County Bar Association
32 South Bedford Street
Carlisle, PA 17013-
717-249-3166
CCP Notice to Defend
W&A File No. 151033750
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTy, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
; No. 0l.......JR1{S C;(.)..L~~
VS.
SAM H YESPY
: CIVIL ACTION - LAW
Defendant( s)
COMPLAINT
AND NOW, this 19 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 655 PAPER
MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411.
2. Defendant, SAM H YESPY, is an adult individual with a last known address of 431
LAMPPOSTLN, CAMP HILL, CUMBERLAND COUNTY, PA 17011.
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. ggl-16
CCP Cmplt - MBNA
W & A File No. 151033750
(FAA) governed the Agreement and that foIJowing 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 subInitted 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 $7,657.65.
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
$1,688.02.
CCP Cmpll- MBNA
W & A File No. 151033750
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 $1,148.64.
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 CmplI- MBNA
W & A File No. 151033750
3
WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment in favor of
Plaintiff and against Defendants, in the amount of $7,657.65, plus interest in the amount of $1,688.02,
plus attorney's fees in the amount of $1,148.64, plus costs of this action and any other relief as this Court
deems proper and just.
Respectfully submitted,
Date:
9/''''/0('
( ,
AmyF. oyle#87J 62/DanieIF. Wolfson 20617
Philip C. Warholi #863411 Andrew C. Spears #87737
David R. Galloway #87326 1 Tonilyn M. Chippie #87852
Sarah E. Ehasz #86469/ Robert N. Polas, Jr. #201259
Bruce H. Cherkis #18837 1 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
CampHill,PA 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
CCP Cmpl! - MBNA
W & A File No. 151033750
4
VERIFICATION
The undersigned hereby states that helshe 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, helshe 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 hislher 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: ~(17!D ?
Amy F. Doyle #87 21 Daniel F. Wolfson #20617
Philip C. Warholi '#863411 Andrew C. Spears #87737
David R. Galloway #87326 1 Tonilyn M. Chippie #87852
Sarah E. Ehasz #864691 Robert N. Polas, Jr. #201259
Bruce H. Cherkis #18837 1 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 Cmpll- MBNA
W & A File No. 151033750
5
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Exhibit II B II
. ,
CLIENT NO 001888 MBNA ACCT#5490999999559700 BALANCE --7,657.65
...... PRIMARY DEBTOR ..... C/O DATE 04/29/05 LSTPY DT 09/09/04
'M-ACCT -NO 'M-REC- TYPE'M-CUST -TYPE'M-LAST -NAME
5490999999559700 A I YESPY
'M-FIRST-NAME *M-ADDR-l 'M-ADDR-2
SAM H 431 LAMP POST LN
'M-CITY 'M-COUNTY 'M-STATE'M-ZIP 'M-HOME-PH
CAMP HILL PA 170111428 7177617752
'M-WORK-PH 'M-DOB 'M-POE-NAME
7179395799
'M-POE-ADDR
'M-LOAN- TYPE*M-LENDING-OFFICER
LMOl OM0001
'M-BANK-CODE'M-BRANCH-CODE*M-CALL-CODE'M-RECOVERER-CODE'M-DEALER-CODE
PRIM 018
'M-CO-RSN'M-ACCT -ST A TUS'M-INT-RA TE*M-RECEIPT-DA TE'M-CONT ACT-DA TE'M-CO-DA TE
210 ??oo 04/29/05 05/01n1 04/29/05
'M-LAST-PYMT-DA TE'M-CO-AMT 'M-ASSOC-COST'M-ACCRUED-INT*M-CUR-BAL
09/09/04 7,657.65 .00 .00 7,657.65
'M-NET-PRIN 'M-NET-COST 'M-NET-INT 'M-COMMENT-l
7,657.65 .00 .00 11231A1234567
'M-COMMENT-2
000 20050506 0000000
'M-COMMENT-3
'M-2ND-NAME
'M-COMMENT-DATE
05/06/05
'M-MONTHL Y-INCOME'M-OTHER-INCOME
.00 .00
'M-MONTHL Y -PYMT'M-OTHER-PYMT*M-OWN-RENT-CODE'M-RECOVERY -SCORE'M-NEXT-PA Y-DA TE
.00 .00 R 0729
'M-LAST -INT-DATE'M-LAST-CONT ACT-DA TE'M-COMM-RA TE*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 - REGULAR
CASE NO: 2006-04945 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK N A
VS
YESPY SAM H
ROBERT BITNER
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within NOTICE
was served upon
YESPY SAM H
the
DEFENDANT
, at 0018:20 HOURS, on the 12th day of September, 2006
at 431 LAMP POST LANE
CAMP HILL, PA 17011
by handing to
SAM H YESPY
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
So Answers:
Sworn and
18.00
13.20
.00
10.00
.00
41 . 20v'
q/~1I()& ~
Subscibed to
~~~"t:~e
R. Thomas Kline
09/13/2006
WOLPOFF & ABRAMSON
day
before me this
of
A.D.
-
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
No. 06-4945 CIVIL TERM
Plaintiff
VS
CIVIL ACTION - LAW
SAM H YESPY
Defendant(s)
PRAECIPE TO SETTLE AND SATISFY
Please mark the above-captioned action as settled, satisfied and discontinued.
Respectfully Submitted,
By:
Date:
/()!JI/(),
I ,
62 / Daniel F . Wolfson #20 17
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, P A 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
Cc: SAM H YESPY
W&A File No. 151033750
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