HomeMy WebLinkAbout06-5082IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A. No.
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
Plaintiff
VS
GAEL M YESPY
431 LAMP POST LN
CAMP HILL PA 17011
Defendant(s)
CIVIL ACTION - LAW
Filed on behalf of:
Plaintiff, MBNA AMERICA BANK, N.A.
nsel of record for this party:
CoL
Date: -4 ? Amy F. Doyle #87062 / Daniel F. Wo
Philip C. Warholic #8634 ew C. Spears #87737
David R. Galloway #8732 ppie 7852
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. 163676206
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
VS
GAIL M YESPY
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. 163676206
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
:No.
VS
GAIL M YESPY
Defendant(s)
:CIVIL ACTION - LAW
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 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 FIJADA
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. 163676206
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff : No. !U6
VS.
GAIL M YESPY
Defendant(s)
COMPLAINT
CIVIL ACTION - LAW
AND NOW, this 23 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:
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, GAIL M YESPY, is an adult individual with a last known address of 431
LAMP POST LN, 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. §§1-16
CCP Cmplt - MBNA
W & A File No. 163676206
(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 $4,338.15.
It. 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
$117.66.
CCP Cmplt - MBNA
W & A File No. 163676206
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 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 $867.63.
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. 163676206
WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment in favor of
Plaintiff and against Defendants, in the amount of $4,338.15, plus interest in the amount of $117.66,
plus attorney's fees in the amount of $867.63, plus costs of this action and any other relief as this Court
deems proper and just.
Respectfully 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, Suite 300
Camp Hill, PA 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
CCP Cmplt - MBNA
W & A File No. 163676206
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 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 #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
CCP Cmplt - MBNA
W & A File No. 163676206
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Exhibit "B"
CLIENT NO 001888
****** PRIMARY
*M-ACCT-NO
4500660999612649
*M-FIRST-NAME
GAIL M
*M-CITY
CAMP HILL
*M-WORK-PH
0000000000
MBNA ACCT#4500660999612649 BALANCE -- 4,338.15
DEBTOR ***** C/O DATE 06/29/06 LSTPY DT 10/13/05
*M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME
A I YESPY
*M-ADDR-1
431 LAMP POST LN
*M-COUNTY
*M-ADDR-2
*M-STATE*M-ZIP *M-HOME-PH
PA 170111428 7177617752
*M-DOB *M-POE-NAME
06/14/50
*M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER
LVO1 OV0001
*M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE
PRIM
*M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE
210 0000 06/29/06 04/17/97 06129106
*M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL
10/13/05 4,338.15 .00 .00 4,338.15
*M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1
4,338.15 .00 .00 FFEAlB1234567
*M-COMMENT-2
000 20060707 0000000
*M-COMMENT-3 *M-COMMENT-DATE
07/07/06
*M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME
YESPY SAM M 37.50 .00
*M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE
.00 .00 R 0780
*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.
Dr y
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2006-05082 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
MBNA AMERICA BANK N A
VS
YESPY GAIL M
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
YESPY GAIL M but was
unable to locate Her in his bailiwick. He therefore returns the
??mr nn
COMPLAINT
NOT FOUND , as to
the within named DEFENDANT
431 LAMP POST LANE
YESPY GAIL M
CAMP HILL, PA 17011
DEFT DOES NOT LIVE AT ADDRESS PROVIDED, DID NOT LEAVE A
FORWARDING WITH THE POST OFFICE.
Sheriff's Costs: So answers : fJ r-?? ,?--
Docketing 18.00 ?--
Service 12.32
NOT FOUND RETURN 5.00 R. Thoma Kline
Surcharge 10.00 Sheriff of Cumberland County
.00
45.32;/ WOLPOFF & ABRAMSON
Q? ?/z 7?pG 09/14/2006
Sworn and Subscribed to before
me this day of ,
A. D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
No. 06-5082
CIVIL ACTION - LAW
VS
GAIL M YESPY
Defendant(s)
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
Respectfully Submitted,
Date: / /0?
Amy F. Doyl #87062 / Daniel of 17
Philip C. Wa olic #863 / D vid . Galloway #8732
Tonilyn M. Chippie #87 . fi"as-7 W?
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. 163676206
t '
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
MBNA AMERICA BANK, N.A. No. 06-5082
Plaintiff
vs.
GAIL M YESPY
Defendant(s)
CIVIL ACTION - LAW
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 ,_-Ar4-_ day of
D?jw,,)G ? , 200.
Gail M Yespy
1760 SIMPSON AVE
OCEAN CITY, NJ 08226
Amy F. Doyle #8062 / D 2ad fso U2
Philip C. Warholic #863 1 / Dalloway #87326
Tonilyn M. Chippie #878 asz
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. 163676206
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