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Home My WebLink About06-5118IN 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 I CIVIL ACTION - LAW TINA L LOWE 2103 LOGAN ST CAMP HILL PA 17011 Defendant(s) Filed 0 behalf 'or. Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this party: Date: Amy F. Doyle #87062 / Daniel F. Wolfson #20617 Philip C. a wa#86341 /Andrew C. Si rs g87737 - David R. Galloway #8732 onilyn M. Chippie ie 1 W 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 Trindie Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff W&A File No. 161681379 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. :No. Plaintiff VS :CIVIL ACTION - LAW TINA L LOWE Defendant(s) 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. 161681379 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS TINA L LOWE Defendant(s) :No. :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 despu6s que esta Demanda y Aviso es ?servido, con entrando por escrito una aparencia personalmente o por un abogado y archivan o por escrito con la Corte sus defensas o objeciones a las demandas puestas en esta contra ustem Usted ds 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 1k 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 0 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 0 GRATIS. Cumberland County Bar Association 32 South Bedford Street Carlisle, PA 17013- 717-249-3166 CCP Notice to Defend W&A File No. 161681379 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. / Plaintiff No. 0 4-SlIf vs., TINA L LOWE CIVIL ACTION - LAW Defendant(s) AND NOW, this 22 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 a principal place of business situated at 655 PAPER MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411. 2. Defendant, TINA L LOWE, is an adult individual with a last known address of 2103 LOGAN ST, 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 wo AF W & A File No. 161681379 (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 an4 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 ?alid 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 char+ imposed on the unpaid balance, and the amount due. A summary of the account showing the balance flue and owing is incorporated herein and marked as Exhibit "B". I 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 $15,063.13. 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 $220.37. 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. 161681379 14. Despite reasonable and repeated demands for payment, Defendant has failed, refused and contmuls 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. 161681379 7and FORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintifins t Defendant, in the amount of $15,063.13, interest in the amount of $220.37, plus costs of this action and any other relief as this Court deems proper and just. Respe lly submitted, - Date: -6LA-( Amy F. oyle #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 wo AF W & A File No. 161681379 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 information, and belief, based upon The undersigned understands that false true and correct to the best of his/her knowledge, by the Plaintiff. herein are made subject to the penalties of 18 Pa.C.S. Section 4904, relating to unworn falsification to authorities. Date: Amy 1: Doyle #87062 / Daniel F. Wolfson #20617 Philip C. W?a}fholic #86341 / Andrew C. Spears #87737 David R. Galloway #87326 / Tonilyn M. Chippie #87852 Sarah E. 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' IlbmlTw.piirwdaep4eremWpvvfou modem eadgidmaboatdrspliwox,WCONAadpraercete.ediodlmeeWa ar addbloidlebemOoalyrdbsbd KA'erivwpmdowneewewdrbous4wodbvbwMmmvaostwaateaa[1Yepbwp >,eMwlplsrsiaa degebaoo%fv )&ll 'Yftvwbwsdbwpinrypabratoaeaeidvrebbhala WOMW ewmd llbpliaeoyaallee et aeDr rime. ed wa wdQ iodrm you a(vbq/re Y ladnlM?r lw Exhibit "B" CLIENT NO 001730 ****** PRIMARY *M-ACCT-NO 74993647004610 *M-FIRST-NAME MBNA ACCT#74993647004610 BALANCE -- 15,063.13 DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 03/25/06 *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME A *M-ADDR-1 LOWE *M-ADDR-2 TINA L 2103 LOGAN ST *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH CAMP HILL PA 170113847 7179752960 *M-WORK-PH *M-DOB *M-POE-NAME 7179724300 02/12/69 *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 05/23/06 06/23/99 01/01/69 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 03/25/06 15,063.13 .00 .00 15,063.13 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 15,063.13 .00 .00 GOLDOPTION-CFPL N/E 1AAAIAMMMMDA1 *M-COMMENT-2 000 20060523 0000165 *M-COMMENT-3 *M-COMMENT-DATE 05/23/06 *M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME .00 .00 *M-MONTHLY-PYMT*M-OTHER-P YMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE .00 .00 R 0685 *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 W O .n T All r •T+ r;7 r A J u? IN THE COURT OF COMMON PLEAS OF CUMBERLAND CC STATE OF PENNSYLVANIA MBNA America Bank, N. A. C/O Wolpoff& Abramson 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Plaintiff Vs. Tina Lowe 2103 Logan Street Case Number: 06-5118 S.S. #: 198-44-7833 Camp Hill, PA 17011 Defendant ANSWER AND AFFIRMATIVE DEFENSES Comes now the Defendant, Tina Lowe, and answers the numbered paragraphs o Complaint as follows: 1. 9 2. 1 S 3. 11. l? 4. 12. 5. 13. 6. 14. 7. 15. 8. 16. Affirmative Defenses Defendant is enrolled in a debt relief program; she is suffering from severe fib and seeks leave of court to negotiate a reasonable settlement through that pr? Plaintiff. Tina Lowe, Defendant 2103 Logan Street Camp Hill, PA 170 1 Term he Plaintiffs' rj 0j Wd ? mom; al hardship, with the Certificate of Service A true and correct copy of the foregoing was sent by U.S. Mail this 3J-day of Tonilyn M. Chippie of Wolpoff& Abramson at 4660 Trindle Road, Suite 100 t 17011. 2006, to np Hill, PA Tina C"7 rv c_? Cs ?+ ,?" c.? ..t. , ?. t.3 .? - - - C : i'1 - - ? i . t ? -. -??. : _. ,_; _, _ - - ? ?t SHERIFF'S RETURN - REGULAR CASE NO: 2006-05118 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK N A VS LOWE TINA L ROBERT BITNER Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within NOTICE LOWE TINA L the DEFENDANT , at 0017:55 HOURS, on the 13th day of September, 2006 at 2103 LOGAN STREET CAMP HILL, PA 17011 by handing to TINA LOWE a true and attested copy of NOTICE COMPLAINT together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 Service 13.20 ? Affidavit .00 Surcharge 10.00 R. Thomas Kline .00 41.20? 09/14/2006 /o'ov'bG L?- WOLPOFF & ABRAMSON Sworn and Subscibed to By: before me this day Dep ty Sherif was served upon of , A. D. I MBNA AMERICA BANK, N.A. V. TINA L LOWE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 5118 CIVIL TERM A' 2006 RULE 1312-1. The Petition for Appointment of Arb Itrators shall be substantially in the following form: PETITION FOR APPOINTMENT OF ARBITRATORS i TO THE HONORABLE, THE JUDGES OF SAID COUNT: Andrew C. Spears, Esquire , cou sel for the plaintiff/defendant in the above action (or actions), respectfully represents that: 1. The above-captioned action (or actions), is (are) at issue. 2. The claim of the plaintiff in the action i? $ 15, 283.50 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, Andrew C. Spears ORDER OF COURT AND NOW, , l9 , in consideration of the foregoing petition, Esq., Esq., and , Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. By the Court, P.J. 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A., NO. 5118 CIVIL TERM 2006 Plaintiff CIVIL ACTION - LAW vs. TINA L. LOWE, Defendant CERTIFICATE OF SERVICE I, Andrew C. Spears, Esquire, do hereby certify that I served a copy of Plaintiff's Praecipe for Appointment of Arbitrators, upon the Pro-Se Defendant, by First Class Mail, Postage Pre-Paid, a copy thereof on this day of January, 2007, to: TINA L. LOWE 2103 LOGAN STREET CAMP HILL, PA 17011 CRI -0 Andrew C. Spears ID NO.87737 WOLPOFF & ABRAMSON, LLP Attorneys in the Practice of Debt Collection 4660 Trindle Rd., Suite 300 Camp Hill, PA 17011 (717) 303-6700 N ? d V _ FT MBNA AMERICA BANK, N.A. V , _ ____ TINA L. LOWE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL TERM $' 2006 NO. 5118 RULE 1312-1. The Petition for Appointment of Arb trators shall be substantially in the following form: PETITION FOR APPOINTMENT OF ARBITRATORS i TO THE HONORABLE, THE JUDGES OF SAID COU T: Andrew C. Spears, Esquire the laintiff/defendant in the above action or actions I, P ( ), respectfully represents that: 1. The above-captioned action (or actions) is (are) at issue. 2. The claim of the plaintiff in the action i? $ 15 , 2 8 3.5 0 The counterclaim of the defendant in the action is The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit as arbitrators: WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. Respectfully submitted, Andrew C. Spears ORDER OF COURT AND NOW, 1 ,11- ,ZO in consideration of the foregoing petition, Esq., _ Esq., and , Esq., are appointed arbitrators in the above captioned action (or actions) as prayed for. By t tourt, P.J. r ?4e ,?Do- ? L w`? r-Poo C\j uj 'w MBNA AMERICA BANK, N.A. Plaintiff In The Court of Common Pleas of Cumberland County, Pennsylvania No. 06 - 5118 TINA L. LOWE Defendant Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duties of our office with fidelity. Signature Si tore igna e ROGER IRWIN, ESQUIRE STEVEN HOWELL, ESQUIRE CINDY L. HRIBAL, ESQUIRE Name (Chairman) Name Name IRWIN & McKNIGHT Law Firm 60 WEST POMFRET ST Address CARLISLE,. PA 17013 City, zip Law Firm 619 BRIDGE ST Address NEW CUMBERLAND PA 17070 City, Zip Award Law Firm 61 WEST LOUTHER ST Address CARLT_SL.F.,_ PA 17013 City, zip We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) Gv? l ?4iA ;"Avvic of /?/?t:v t<?? Au0 f?+yA-?v.s% /?E? v,?h?/ iiV /Ztc tt?V•?.!` d l s' V L 3, 3 tZe ?4,w&4 wr oog 'Zzy. 3 7 A?ys c.ds rs eac Af, 0*'f10w . Arbitrator, dissents. (Insert name if applicable.) n Date of Hearing: &,f Loo 7 Date of Award: /00y I 2 ? ?a Notice of Now, they! day of Mtlv , 20DT_, at 3'15 , P .M., the above award was entered upon the docket and notice there & given by mail to the parties or their attorneys. Arbitrators' compensation to be paid upon appeal: S J.Prothonotary 350.00 By: Deputy Need op?.?? C bq NO Se [DO LOO -rna 5•x.0 DO low cis MBNA AMERICA BANK. N.A. Plaintiff In. The Court of Common Pleas of Cumberland County, Pennsylvania No. 06 - 5118 TINA L. LOWE Defendant Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duties of our office with fidelity. _/??/ A 7=V Signature Si tore 4ignapee ROGER IRWIN, ESQUIRE STEVEN HOWELL, ESQUIRE CINDY L. HRIBAL. ESQUIRE Name (Chairman) Name Name IRWIN & McKNIGHT Law Firm 60 WEST POMFRET ST Address CARLISLE,. PA 17013 City, zip 4 11401 Law Firm 619 BRIDGE ST Address NEW CUMBERLAND PA 17070 City, zip # 1133q Award Law Firm 61 WEST LOUTHER ST Address C RA_ LISTY1 PA 17013 City, zip # 188a 3 We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) lv? r ?iA ? N r AvvK 0 ? /???? ti tr ?f Af?.O !t? A-?%• s ? /?Ef ?ti4ih?/' i iV ??t c ?tvt?•v/`' or '15,- oG3 i3 ,A,,rew r , N tZ,e ,4*oowr o? `X2y.37 , A/y, Ldsri or J, 4« . Arbitrator, dissents. (Insert name if applicable.) Date of Hearing: &A! /s- too 7 Date of Award: /00j ?'. ? Notice of s4 Or-F Now, the day of Mfi-v , 20t_, at 3' 15 , P .M., the above award was entered upon the docket and notice there k given by mail to the parties or their attorneys. Arbitrators' ., r 1 compensation to be paid upon appeal: $ 350. 00 - 7 /4?4 W.-, 'j By: rothonotary Deputy C Est Pro Se Lo 5,O -oq 60 r P 0+ J P r'! w w • `1 u?m t'r0 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff NO. 06-5118 CIVIL TERM vs. TINA L LOWE Defendant(s) CIVIL ACTION - LAW PRAECIPE FOR TUD M ENT ON ARBITRATION AWARD PURSUANT TO PA.R.M.P.1307(C) TO THE PROTHONOTARY: Enter Judgment on the arbitration award entered in these proceedings in favor of MBNA AMERICA BANK, N.A. and against TINA L LOWE in the amount of $15,063.13 with interest of six percent (6%) from MAY 15, 2007 and costs. Respectfully Submitted, Amy F. Doyle #87062 / Daniel F. Wolfson #20617 Phili / David R. Galloway #87326 onilyn M. Chippie #878 Sarah E. Ehasz #86469 r. 01259 / 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. 161681379 MBNA AMERICA BANK. N.A. Plaintiff TINA L. LOWE Defendant In The Court of Common Pleas of Cumberland County, Pennsylvania No. 06 --5 118 Civil Action - Law. Oath We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States and the Constitution of this Commonwealth and that we will discharge the duties of our office with fidelity. e Si lure 41e Sigatu ROGER IRWIN, ESQUIRE STEVEN HOWELL, ESQUIRE CINDY L. HRIBAL. ESQUIRE Name (Chairman) Name Name IRWIN & McKNIGHT Law Firm ,60 WEST POMFRET ST Address CARLISLE,. PA 17013 City, zip Law Firm 619 BRIDGE ST Address NEW CUMBERLAND PA 17070 City, zip Award Law Firm 61 WEST LOUTHER ST Address CARLTST,F, PA 17013 City, Zip We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following award: (Note: If damages for delay are awarded, they shall be separately stated.) GUE t'?vA ?;,. hi¢ydK 0? ???iy ti?=f Arn.4 N?GAN•si /?E??tirlihs-/? iN ?ltc ?iyU.v/`' (?? "l5 X 6 3 ? 3 jAvYeNU ? ?,:, tze 4,wawr- oa^ 'Z-w-37 , /11vs c..as rs 00 A ,: 0*-6oL . Arbitrator, dissents. (Insert name if applicable.) Date of Hearing: /!l! /s: Zoo y Date of Award: /00y '- 2`0 7 -Mg Notice of , 20QIat 3'15 P .M., the above award was Now, the 25 - day of Mn, entered upon the docket and notice there 6f given by mail to the parties or their attorneys. Arbitrators' compensation to be paid upon appeal: $ 350.00 IS* COPY FROM RECORC to TUN" w e re&, + uaft 89 "hef. d d eel 01 aril t Cattle, Pa. By:1 ty ,,,?rothonotary 3-79-3 LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. Attomeys in the Practice of Debt Codlookv (A National Collection Attomey Network Firm) 4880 TRIND1,E ROAD SUITE 300 CAMP HILL, PA 17011 717-3038700 OUTSIDE THE CAMP LLHI LOCAL AREA (TOLL FREE) 1-800-758-0875 FACSIMILE 717-737-9051 PLEASE DfRECT A6L INQUIRIES TO THE CAMP HR L OFIFICE TINA L LOWE 2103 LOGAN ST CAMP HILL, PA 17011 October 05, 2006 , RE: MBNA AMERICA BANK, N.A? vs. TINA L LOWE I --.Dear Tina L Lowe: aff'r Ilk ALABALIA ANCHORAGE, ALASKA AD "IP4 CEDAR KNOLL3, N" RALEIGH, NORTH CAI PHOENDC, ARIZONA FARGO, NORTH DAM CABOT, ARKANSAS CLEVELAND. OHIO ENGLEWOOD. COLORADO OKLAHOMA CnY. ON FT. LAUDERDALE. FLORIDA EUGENE. OREGON HONOLULU, HAWAII PROVIDENCE, RHODI DOW. IDAHO OOLULUA. §0UTH C CHICAGO, ILLINOIS KNOXVILLE, TENNES MERRLLVILLE, INDIANA SANDY. UTAH KANSAS ORY, KANSAS MILWAUKEE, W18001 LEXINGTON, KENTUCKY RAWLINS. WYOMING METAIRIE, LOUSIANA ST. LOUIS. MISSOURI • TIIB NBtlonBl CONN GREAT FALLS MONTANA Attomey NNwoe It IS a OMAHA. NEBRASKA atNlatlon 01 *"WON LAS VEGAS, NEVADA MANCHESTER, NEW HAMPSHI RE - WaA Hours of Oper. 8 aAL-&30 p.m. ET Enclosed herein please find a 10- ay Notice pursuant to Role 237.1 of the Pennsylvania Rules of Civil Procedure. r ' S +8 , I e?? T)y '?Da Amy F. Doyle #8 !'/Daniel F. Wolfson #20617 Philip C., Warhol #86341 /Andrew C. Spears #87737 . David R. Galloway #87326 / Tonilyn M. Chippie #87852 Sarah E. Ehast #86469 / Robert N. Polas, Jr. #201259' Bruce H. Cherkis #18837 / Ronald S. Canter #94000 Ronald M. Abramson #94266 W!OLPOFF & ABRAMSON, L.L.P. Aftomeys in the Practice of Debt Collection 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Telephone: (717) 303-6700 Counsel for Plaintiff MAIN OFFICE TWO IRVINGTON CENTRE 702 KING FARM BLVD., ROCKVILLE. MD 20850 101106 JUDICIAL DR., BLDG. A-6, FAIRFAX, VA 22030 1109 E. MAW ST_ STE.1003, RICHMOND VA 23218. 5122 GREENWICH RD, VIRGINIA BEACH, VA 23482 919 N. MARKET ST., STE. 1300, WILMINGTON, DE 19898 1VAL,EYB XIII- ,IXXIIMC1.ARIQ;SLIRG.WV28302 48110 TRIWLE ROAD, 3RD FLOOR, CAMP HILL, PA 17011 28892 ROADSIDE DR., STE. 286, AGOURA HILLS. CA 91301 31800 HIGH POINTE BLVD., STE. 280, NOVI, W 48376 300 CANAL VIEW BLVD., ROCHESTER, NY 14623 6218 N. OWNNOR BLVD., STE.1000, LAS COLINA& TX 75030 190 GLASTONKM BLVD., GLASTONBURY. CT oeo93 210 INTERSTATE NORTH PKWY., STE. 700, ATLANTA, GA 30339 301 CARLSON PKWY., STE. 309. MINNETONKA, MN SUM Enclosure cc: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. NO. 06-5118 civil term Plaintiff vs. CIVIL ACTION - LAW TINA L LOWE Defendant(s) TO: TWA L LO WE 2103 LOGAN ST CAMP HILL PA 17011 DATE OF NOTICE: October 05, 2006 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 AIS 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 LAWY1 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) A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 717-249-3166 Amy F. Doyle #87011 / Daniel F. Wolfson #20617 Philip C. Warholic #96341 ! 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 , { , IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. 06-5118 CIVIL TERM Plaintiff VS. TINA L LOWE CIVIL ACTION - LAW Defendant(s) CERTIFICATE OF SERVICE I, Amy R Wise , an authorized agent of Wolpoff & Abramson, LLP, hereb certify that a copy of the foregoing order was served this h day of g` , 2007, by depositing same in the Post Office at Camp Hill, PA, first class mail, postage prepaid, addressed as follows: TINA L LOWE 2103 LOGAN ST CAMP HILL, PA 17011 Amy Wise U 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 ?1? t?t ,? ?"" Y ?? r ti? - - - , ?y ?--' t? JJ . ? r ..?* c ? ? ? ? ?''.- ^? ?..? X ?.JJ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff vs. TINA L LOWE Defendant(s) No. 06-5118 civil term 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 $15,283.50, plus interest, on_ U I all , 20 Q7 . ( x) A copy of all documents filed with the Prothonotary in support of the within judgment is/are attached. By. ?Jwlu 4. &X4 OKA If you have any uestions regarding this Notice, please contact the filing party. ?a Date: Amy F. Doyle #87 11, 2 / Danie f Philip C. Warholic #8 3 / Davi R. Gallows #87326 Tonilyn M. Chippie #87 ar . 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: Tina L Lowe 2103 Logan St Camp Hill PA 17011 W&A File No. 161681379 G ...; IN41