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Home My WebLink About06-5533IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. V t(??JLv'? 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS LISA T PHAM 2 DOGWOOD CT CAMP HILL PA 17011-1525 THAHN HUYNH 2511 ANDREW DR #155 SINKING SPRING PA 19608-0000 Defendant(s) Date: /5?11V CIVIL ACTION - LAW Filed on behalf of: Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this party: Amy F. Doyle # 7062 / Daniel F. Wolfson #20617 P 41 / Andrew C. Spears #87737 David R. all ay #87326 nilyn M. Chippie #87852 ar asz obert 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. 130697963 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. :No. Plaintiff VS :CIVIL ACTION - LAW LISA T PHAM THAHN HUYNH 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 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. 130697963 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff :No. VS LISA T PHAM THAHN HUYNH 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 despu6s 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. 130697963 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff : No OCe -,S33 VS. LISA T PRAM THAHN HUYNH : CIVIL ACTION - LAW Defendant(s) COMPLAINT AND NOW, this 12 day of September, 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 principal place of business situated at 655 PAPER MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411. 2. Defendant, LISA T PRAM, is an adult individual with a last known address of 2 DOGWOOD CT, CAMP HILL, CUMBERLAND COUNTY, PA 17011-1525. 3. Defendant, THAHN HUYNH, is an adult individual with a last known address of 2511 ANDREW DR #155, SINKING SPRING, CUMBERLAND COUNTY, PA 19608-0000. 4. It is averred that Defendants were issued an open-end credit card account by Plaintiff. This account was created through a written contract between Plaintiff and Defendants, accepted by Defendants when they 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." 5. The Credit Card Agreement contains a binding Arbitration provision providing that any claim or dispute between Defendants and Plaintiff would be subject to binding arbitration before the CCP Cmplt - MBNA 2 W & A File No. 130697963 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. 6. At all relevant times material hereto, Defendants have been regular users of said charge card for the purchase of products, goods and/or for obtaining services and/or funds. 7. By virtue of Defendants' use and maintenance of this credit card in connection with their purchases of goods, and services, they became bound to all of its contractual terms, which clearly included an arbitration agreement. Therefore, there is a valid agreement to arbitrate and Defendants consented to the NAF having jurisdiction over this claim. 8. Defendants 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". 9. Defendants did not object to the summary of account. 10. Defendants have made sporadic and irregular payments, if any, which have been applied to the outstanding balance of this account. 11. As of the date of the within Complaint, the remaining balance due, owing and unpaid on Defendants' credit account, as a result of charges made by said Defendants and/or any authorized users is the sum of $4,884.68. 12. 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 %. 13. The amount of interest which has accrued on the aforementioned account is the sum of $1,970.00. CCP Cmplt - MBNA 2 2 W & A File No. 130697963 14. Plaintiff has retained the services of the law firm of Wolpoff & Abramson, L.L.P. in the collection of the amount due from Defendants. 15. 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 Defendants incident to the within action, the Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 16. The amount of attorney's fees incurred in this matter is the sum of $732.70. 17. Despite reasonable and repeated demands for payment, Defendants have failed, refused and continue to refuse to pay all sums due and owing on the aforementioned account balance, all to the damage and detriment of the Plaintiff. 18. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 19. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. CCP Cmplt - MBNA 2 W & A File No. 130697963 WHEREFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendants, in the amount of $4,884.68, plus interest in the amount of $1,970.00, plus attorney's fees in the amount of $732.70, plus costs of this action and any other relief as this Court deems proper and just. Date: CCP Cmplt - MBNA 2 W & A File No. 130697963 Respectfully submitted, Amy F. Doyle #17062 / Daniel F. Wolfson #20617 3411 Andrew C. Spears #87737 7ah . Galloway #873 Tonilyn M. Chippie #87852 Ehasz #864 rt 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 4 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 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 unworn falsification to authorities. Date: 1 / Andrew C. Spears #87737 2L6 Tonilyn M. Chippie #87852 9 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 2 5 W & A File No. 130697963 Sarah E. Ehasz #86469 / Robert N. Polas, Jr. #20125 Bruce H. Cherkis #18837 / Ronald S. Canter #94000 Exhibit "A" . , 1 GD?Dpp'f-ION lkccO,U.N.T,, A??E?EN ? camera! b tlb Agv=4 do awtda'yam' d Oyme tmsr b ad ad d of do pKtaatet IN w+laas arrow ei aaooo.it ryas ietusd ay mart' ? ride k aq Wqr F' *drd err odw fhit Afmmteet 71M virtdtW W bit: nd'SGM Anwice men 1r RIA Amerim am* IAA. ma we "Adams Honer tap? lots YON 0" bow a wrier flit AOwoi Tam df Yaw Aoootat bftr W" fib iroot? pa? lerrir =6 s prat MroL Pleaww b" 1Ae ?b. 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Exhibit "B" CLIENT NO 001888 MBNA ACCT#74972999662332 BALANCE -- 4,884.68 ****** PRIMARY DEBTOR ***** C/O DATE 10/29/04 LSTPY DT 07/14/04 *M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME 74972999662332 A I PHAM *M-FIRST-NAME *M-ADDR-1 *M-ADDR-2 LISA T THAHN HUYNH 2 DOGWOOD CT *M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH CAMP HILL PA 170111525 5558888888 *M-WORK-PH *M-DOB *M-POE-NAME 7173791168 12/22/65 *M-POE-ADDR *M-LOAN-TYPE*M-LENDING-OFFICER LU01 000001 *M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE H001 014 *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE 210 0000 10/29/04 01/17/92 10/29/04 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 07/14/04 4,884.68 .00 .00 4,884.68 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 4,884.68 .00 .00 1222323344567 *M-COMMENT-2 000 20041101 0000000 *M-COMMENT-3 *M-COMMENT-DATE 11/01/04 *M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME HUYNH THAHN .00 .00 *M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE .00 .00 R 0551 *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 vt ?`.' t? c-?a C7 ,j;; MBNA AMERICA BANK, N.A., Plaintiff V. THANH HUYNH, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 06-5533 JURY TRIAL DEMANDED DEFENDANT'S ANSWER TO PLAINTIFF'S COMPLAINT ANSWER The Defendant, Thanh Huynh, hereby responds to the Complaint of MBNA America Bank as follows: 1. Admitted. 2. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph. 3. Admitted. 4. Denied. After reasonable investigation, Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph, and strict proof is demanded thereof. 5. Admitted in part and denied in part. It is admitted that the attached Exhibit "A" appears to contain such a provision. It is denied that Defendant has any prior knowledge of the agreement of which the provision refers apart from a communication received in March of 2006 which informed the Defendant of an Arbitration Claim filed by Plaintiff regarding the same such matter. After Defendant responded to the Arbitration claim, Defendant was provided with two further communications. The first was a "Request to Dismiss Without Prejudice" filed by Claimant requesting that Defendant be dismissed from the matter. (See Exhibit "A"). The second was a direct communication from the National Arbitration Forum that granted the Claimant's request to dismiss Defendant from the Arbitration matter. (See Exhibit "B"). 6. Denied. Defendant has no recollection of ever utilizing such charge card for any purposes. 7. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph. 8. Denied. Defendant has no recollection of ever receiving said monthly statements. 9. Denied. Defendant has no recollection of ever receiving said summary of account and is therefore without knowledge of not having objected. 10. Denied. Defendant is without knowledge or information sufficient to forma belief as to the truth of the averments of this paragraph, and strict proof is demanded thereof. 11. Denied. Defendant maintains that he has no knowledge of such an account. 12.. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph. 13. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph. 14. Admitted. 2 15. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph, and strict proof is demanded thereof. 16. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph, and strict proof is demanded thereof. 17. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph and has no recollection of any such requests or communication apart from the previously described Arbitration matter. 18. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph. 19. Denied. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averments of this paragraph. WHEREFORE, Answering Defendant respectfully requests that Plaintiffs Complaint be dismissed with prejudice. Respectfully submitted, Thanh Huynh 2511 Andrew Dr Sinking Spring, PA 19608 Defendant 3 IN THE NATIONAL ARBITRATION FORUM MBNA America Bank, N.A. Claimant VS. * Lisa T. Pham and Thahn Huynh Respondents Forum File No.: FA0504000450083 REQUEST TO DISMISS WITHOUT PREJUDICE The Claimant, by counsel, Wolpoff & Abramson, L.L.P., requests that the Forum dismiss the above-captioned matter without prejudice as to Thahn Huynh only. WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection BY: Ronald M. Abramson (MD, DC, MA, PA) Ronald S. Canter (MD. DC, FL, PA) Bruce H. Cherkis (MD, DC, PA) Andrew C. Spears (PA) David R. Galloway (PA) Sarah E. Ehasz (PA) Jamie B. Vodoklys (MD) Amy F. Doyle (PA) Daniel F. Wolfson (PA) Philip C. Warholic (PA) Tonilyn M. Chippie (PA) Bernard C. John (PA) Robert N. Polas (PA) Two Irvington Centre 702 King Farm Boulevard Rockville, MD 20850-5775 (240) 386-3000 Counsel for Claimant ¦S LAW OM M WOUOFF & ABRAMSON, L.L.P. ATTORNEYS IN THE PRACTICE OF DEBT COLLECTION TWO IRVINGTON CENTRE 702 KING FARM BLVD. ROCKVILLE, MD 20850-5775 240.388-3900 G)(?. s-t r ,9 W&A File No: 130697963 N:\Cadierine\2006\mar\03\PA\dism w-o prej.doc LAW OFFICES WOLPOPP & ABRAMSON, LL R ATTORNEYS IN THE PRACTICE OF DEBT COLLECTION TWO IRVINGTON CENTRE 702 KING FARM BLVD. ROCKVILLE, MD 20850.5775 240388-3900 CERTIFICATE OF SERVICE I, the undersigned, hereby certify that a true and accurate copy of the foregoing was mailed it the following so designated manner to the opposing party in this case at the address indicated below or the date indicated: ® United States Postal Service Postage Prepaid First Class Mail ? United States Postal Service Certified Mail Signed Return Receipt ? Delivery by UPS Overnight Mail Delivery / Tracking No. ? Other Service (describe service) Date: March 3, 2006 Thahn Huynh 2511 Andrew Drive #155 Sinking Spring, PA 19608 Respondent Tara Koons Case Coordinator 6465 Wayzata Boulevard Suite 500 St. Louis Park, MN 55426 Bruc H. Cherkis Counsel for Claimant W&A File No: 130697963 N:\Catherine\2006\mar\03\PA\dism w-o prej.doc ?E. kt, L,-t- 4 National III Arbitration Forum March 06, 2006 Thahn Huynh 2511 Andrew Drive, # 15 5 Sinking Spring, PA 19608 Lisa T Pham 2 Dogwood Ct Camp Hill, PA 17011-1525 MBNA America Bank, N.A. do Wolpoff & Abraff son, L.L.P. Paralegal Department Attorneys in the Practice of Debt Collection Two Irvington Centre 702 King Farm Blvd Rockville, MD 20850 RE: MBNA America Bank, N.A. v Lisa T Pham & Thahn Huynh File Number: FA0504000450083 Claimant Account Number: 74972999662332 Claimant Reference Number: 0130697963 Dear Parties: The Claimant requested the above matter be Dismissed against Respondent, Thahn Huynh. Pursuant to Rule 40 of the Code of Procedure, the Forum has granted the Dismissal Request. Sincerely, -7-AA--f- k. ami Tara M Koons Case Coordinator P.O. Box 50191, Minneapolis, MN 55405-0191 • Tel: 800-474-2371 9 Fax: 866-743-4517 9 www.arbitration-forum.com a MBNA AMERICA BANK, N.A., Plaintiff V. THANH HUYNH, Defendant IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 06-5533 JURY TRIAL DEMANDED CERTIFICATE OF SERVICE I, Thanh Huynh, Defendant, hereby certify that I have this 7th Day of November 2006, served a true and correct copy of Defendant's Answer upon the party listed below, first class mail, postage prepaid: Attorney for Plaintiff, MBNA America Bank, N.A.: David R. Galloway, Esquire Wolpoff & Abramson, LLP 4660 Trindle Road, Suite 300 Camp Hill, PA 17011 Thanh Huynh 2511 Andrew Dr Sinking Spring, PA 19608 Defendant i ri ^r, "fir, e- _ SHERIFF'S RETURN - REGULAR CASE NO: 2006-05533 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS PHAM LISA T ET AL KENNETH GOSSERT , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon PHAM LISA T the DEFENDANT , at 2045:00 HOURS, on the 4th day of October , 2006 at 2 DOGWOOD COURT CAMP HILL, PA 17011-1525 by handing to JOEHUNG PHAM FATHER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: So Answers: Docketing 18.00 Service 13.20 Postage 1.98 Surcharge 10.00 R. Thomas Kline .00 43.18,E 10/27/2006 WOLPOFF ?l?UtslOl. Sworn and Subscibed to By: before me this day ??ut Sherrf of A.D. r SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2006-05533 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS PHAM LISA T ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT HUYNH THAHN to wit: but was unable to locate Him deputized the sheriff of BERKS serve the within COMPLAINT & NOTICE County, Pennsylvania, to On October 27th 2006 , this office was in receipt of the attached return from BERKS Sheriff's Costs: So answ Docketing 6.00 - ' Out of County 9.00 Surcharge 10.00 R. Thomas Kli --- Sep Berks County 40.02 Sheriff of Cumberland County 00 65.02 7 10/27/2006 WOLPOFF & ABRAMSON Sworn and subscribe to before me this day of in his bailiwick. He therefore A. D. In The Court of Common pleas 'of Cumberland County, Pennsylvania MBNA America Bank NA vs. Lisa T. Pham et al SERVE: Thahn Huynh No. 06-5533 civil Now, September 27, 2006 , I, SHERIFF OF CUMBERLAND COUNTY, PA, do hereby deputize the Sheriff of Berks County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. Sheriff of Cumberland County, PA Affidavit of Service Now, within upon at by handing to a and made known to So answers, the contents thereof. Sheriff of Sworn and subscribed before me this day of , 20 20 , at o'clock M. served the copy of the original COSTS SERVICE $ MILEAGE AFFIDAVIT County, PA $ Y`IN? z 8g ?? S. C SHERIFF OF BERKS COUNTY 633 Court Street, Reading, PA 19601 Phone: 610-478-6240 Main Fax: 610-478-6222 Sheriff Fax: 610-478-6072 Barry Jozwiak, Sheriff Eric J. Weaknecht, Chief Deputy AFFIDAVIT OF SERVICE DOCKET NO. 06-5533 COMMONWEALTH OF PENNSYLVANIA: COUNTY OF BERKS Personally appeared before me, NORMAN CRUZ, Deputy for Barry J. Jozwiak, Sheriff of Berks County, 633 Court Street, Reading, Pennsylvania, who being duly sworn according to law, deposes and says that on OCTOBER 16, 2006 at 8:40PM, he served the annexed COMPLAINT IN CIVIL ACTION upon THAHN HUYNH, within named defendant, by handing a copy thereof to VIVIAN KHUC, ADULT MEMBER OF HOUSEHOLD (WIFE), at 2511 ANDREW DR SINKING SPRING PA 19608, Berks County, Pa., and made known to defendant the contents thereof. DEPU SH F iERKS CO., PA ARY NOTARIAL. SEAL Tammy Rodrigucz. Notary Public Reading, 13 r C'our.ty My commisssor exrirc d c1 `:cr 6, 2007 Sheriffs Costs in Above Proceedings $75.00 DEPOSIT $40.02 ACTUAL COST OF CASE $34.98 AMOUNT OF REFUND Service made as set forth above. Answers,, SHERIFF OF BERKS COUNTY, PA All Sheriff's Costs shall be due and payable when services are performed, and it shall be lawful for him to demand and receive from the party instituting the proceedings, or any part liable for the costs thereof, all unpaid sheriff's fees on the same before he shall be obligated by law to make return thereof. _Sec. 2, Act of Jmne 20, ' 91 1 P.-T/ 101"72 i subscribed before me day of OC-MBER, 2006 CO., PA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS LISA T PHAM Defendant(s) No. 06-5533 CIVIL ACTION - LAW PRAECIPE FOR JUDGMENT Please enter Judgment in favor of Plaintiff and against Defendant(s), LISA T PHAM answer the Complaint. (X) Amount due Less credits TOTAL $7,587.38 $0.00 $7,587.38, plus interest and costs for failure to ( 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 occuted and at least ten days prior to the date of the filing of this praecipe a a copy of the notice is attached. Date: A, 4-17 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 NOW, JZ-,Z 17 , 20-07 -, JUDG IS NTE S ABOVE. Proth otary/Clerk i Divisi By: Deputy W&A File No. 130697963 MAIN OFFICE TWO IRVINGTON CENTRE 702 KING FARM BLVD., ROCKVILLE, MD 20850 REGIONAL OFFICES 10505 JUDICIAL DR., BLDG. M5, FAIRFAX, VA 22030 17 WEST CARY STREET, RICHMOND, VA 23220 5122 GREENWICH RD., VIRGINIA BEACH, VA 23452 919 N. MARKET ST., STE. 1300, WILMINGTON, DE 19699 1 VALLEY BANK BLDG., BOX 1226, CLARKSBURG, WV 26302 4660 TRINDLE RD., STE. 300, CAMP HILL, PA 17011 301 GRANT ST., STE. 4300, PITTSBURGH, PA 15219 18532 ROADSIDE DR., STE. 255, AGOURA HILLS, CA 91301 39500 HIGH POINTE BLVD., STE. 250, NOVI, MI 48375 300 CANAL VIEW BLVD., ROCHESTER, NY 14623 5215 N. OVMNOR BLVD., STE. 1060, LAS COLINAS, TX 75039 3200 SOUTHWEST FREEWAY, STE. 3300, HOUSTON, TX 77027 180 GLASTONBURY BLVD., GLASTONBURY, CT 06033 1201 PECHTREE STREET, STE. 1717, ATLANTA, GA 30361 301 CARLSON PKWY., STE. 303, MINNETONKA, MN 55305 489 WHITNEY AVE., 2ND FLOOR, HOLYOKE, MA 01040 ONE CUMBE$4LAND PL AZA, if1D FL.. WOCNSOCKfiT, RI 02895 4643 S. ULSTER ST., STE. SM, DENVER, CO 60237 5355 TOWN CENTER ROAD, STE. 1002, BOCA RATON, FL 33486 1700 SEVENTH AVE., STE. 2100, SEATTLE, WA 98101 LAW OFFICES WOLPOFF & ABRAMSON, L.L.P. Attorneys in the Practice of Debt Collection JA National Collection Attomey Network Finn) 46W TRINDLE ROAD SUITE 300 CAMP HILL, PA 17011 717-303-6700 OUTSIDE THE CAMP HILL LOCAL AREA (TOLL FREE) 1-800-758-0675 FACSIMILE 717-737-9051 PLEASE DIRECT ALL INQUIRIES TO THE CAMP HILL OFFICE 11/30/2006 LISA T PHAM 2 DOGWOOD CT CAMP HILL, PA 170111526 NATIONAL COLLECTION ATTORNEY NETWORK AFFILIATED FIRM LOCATION ,NOT REGIONAL OFFICES OF OLPOFF & ABRAMSON. L.L.P.1 ' BIRMINGHAM, ALABAMA FARGO, NORTH DAKOTA ANCHORAGE, ALASKA CLEVELAND, OHIO PHOENIX, ARIZONA OKLAHOMA CITY, 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 an MANCHESTER, NEW HAMPSHIRE affiliation of separate law "Mu. CEDAR KNOLLS, NEW JERSEY RALEIGH, NORTH CAROLINA w&r Hours of Operation: 8 a.m.-5:30 p.m. ET M-F W&A File No. 130697963 RE: MBNA AMERICA BANK, N.A. vs. LISA T PHAM THAHN HUYNH Dear LISA T PRAM: Enclosed herein please find a 10-Day Notice pursuant to Rule 237.1 of the Pennsylvania Rules of Civil Procedure. Sincerely, X-A Amy F. Doyle #EF062 / Daniel F. Wolfson #20617 Philip C. Warho c #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 Enclosure cc: This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose irT THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. NO. 06-5533 VS. Plaintiff CIVIL ACTION - LAW LISA T PHAM T14AHN HUYNH Defendant(s) TO: LISA T PHAM 2 DOGWOOD CT CAMP HILL PA 17011-1525 DATE OF NOTICE: November 30, 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 Amy F. Doyle i8#062 / Daniel F. Wolfson 0617 Philip C. Warhol c #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. 130697963 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. 06-5533 Plahrdff VS CIVIL ACTION - LAW LISA T PHAM 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, Lisa T Pham, above-named, is over 21 years of age; is last known to reside at 2 Dogwood Ct Camp Hill, 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: 41 L4 Amy F. oyle #87062 / Daniel F. Wolfson #20617 Philip C. Warholic #86341 / Andrew C. Spears #87737 David R. Galloway #8732 nt yn M. Chippie #87852 Sarah E. Ehasz #86469 / if. 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 \,-2- day of Ll? 1' : 2L.& W & A File No. 130697963 ?nn?cA TIC Pf, ENNSYIVA ary Public Notarial Seat Cort "M. Fantom, Notary Public Hampden Twp., Cumberland County mZ i ires Nov. 23 2009 Member, Pennsylvania Association of Notaries W&A File No. 130697963 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS LISA T PHAM Defendant(s) No. 06-5533 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 i and certify that the last known address of the within Defendant(s) is: Lisa T Pham 2 Dogwood Ct Camp Hill PA 17011-1525 Date: 9- v y 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 W&A File No. 130697963 J-4 n IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff VS LISA T PHAM Defendant(s) No. 06-5533 CIVIL ACTION - LAW NOTICE OF JUDGMENT ( x ) Notice is hereby given t t a Judgment in the above-captioned matter has been entered against you in the amount of $7,587.38, plus interest, on _124 ?i ! `j ( x ) A copy of all documents filed with the Prothono in suppo f the within judgment is/are attached. By: If you have any questions regarding this Notice, please contact the filing party. 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 This Notice is given in accordance with Pa.R.C.P. 236.) NOTICE SENT TO: Lisa T Pham 2 Dogwood Ct Camp Hill PA 17011-1525 W&A File No. 130697963 PRAECIPE FOR WRIT OF EXECUTION (MONEY JUDGMENT) P.R.C.P. 3101 to 3149 MBNA AMERICA BANK, N.A. IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA VS. JUDGMENT NO. 06-5533 LISA T PHAM Defendant(s) 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 $7,587.38. (1) Directed to the Sheriff of CUMBERLAND County, Pennsylvania; (2) against,LISA T PHAM located at 2 DOGWOOD CT, CAMP HILL, PA 17011-1525, Defendant(s) (3) and against, SOVEREIGN BANK located at 17 W HIGH ST, CARLISLE, PA 17013-0000, Garnishee(s); (4) and index this writ (a) against, LISA T PHAM ; Defendant(s) and (b) against, SOVEREIGN 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) ***G' M'0ftY*** You are directed to attach the property of the Defendant(s) not levied upon in the possession of SOVEREIGN BANK located at 17 W HIGH ST, CARLISLE, PA 17013-0000, 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 $7,587.38 Interest from 01/17/2007 To Be Determined At an interest rate of 6% per year Total $7,587.38 Plus costs & interest G Date: Amy F le #870 /Philip C. Warholic #? 8??? vid R. Gallo ?¦¦? asz #864 /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 File No. 130697963 XXX-XX-4979 not ?z ? oho k` t z _r_ ) V 0 00 00 w s nor r1o l .ter c WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-5533 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 LISA T. PHAM, 2 Dogwood Ct., Camp Hill, Pa 17011-1525 (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 GARNISHEE(S) as follows: SOVEREIGN BANK, 17 W. 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, securites, coupons and safe deposit boxes. 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 $7,587.38 L.L. $.50 Interest from 1/17/07 at interest rate of 6% per year - To Be Determined Atty's Comm % Atty Paid $199.70 Plaintiff Paid Date: 6/20/08 (Seal) REQUESTING PARTY: Due Prothy $2.00 Other Costs 2"C -- 7- 1 W s R. Long-,41t`b onota By: Deputy 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 SHERIFF'S RETURN - GARNISHEE CASE NO: 2006-05533 P COMMONWEALTH OF PENNSLYVANIA COUNTY OF CUMBERLAND MBNA AMERICA BANK NA VS PHAM LISA T ET AL And now DENNIS FRY ,Sheriff or Deputy Sheriff of Cumberland County of Pennsylvania, who being duly sworn according to law, at 1322:00 Hours, on the 24th day of June , 2008, attached as herein commanded all goods, chattels, rights, debts, credits, and moneys of the within named ADD'L DEFENDANT, SOVEREIGN BANK , in the hands, possession, or control of the within named Garnishee SOVEREIGN BANK 17 WEST HIGH STREET CARLISLE, PA 17013 Cumberland County, Pennsylvania, by handing to JENNIFER NIERATKO, CUSTOMER SERVICE REPRESENTATIVE , personally three copies of interogatories together with THREE true and attested copies of the within WRIT OF EXECUTION and made the contents there of known to Her . Sheriff's Costs: So answers: Docketing .00 Service .00 Affidavit .00 R. Thomas Kline Surcharge .00 Sheriff of Cumberland County 0000 V 4,a?Ja? 00/00/0000 Sworn and Subscribed to before me this day of By --? --? A.D eputy SXefif-f R. Thomas Kline, Sheriff, who being duly sworn according to law, states this turned ABANDONED no action taken in six months. 1? ? UC? Ih!r;i's Costs: Docketing Poundage Advertising Law Library Prothonotary Milage Surcharge Levy Certified Mail Post Pone Sale Garnishee Bad Check Postage Total 18.00 Advance Costs: 150.00 1.69 Sheriff's Costs: 86.19 63.81 .50 2.00 Refunded to Atty on 1/20/09 5.00 30.00 20.00 So e• :? 9.00 U=ine, SJie rkT 86.19 By Claudia A. Brewbaker 0 VN t S ` .01 V E Z so'8001 (°) f _ . ,_ . -Ti ,7 vv (1- Is 't, G L. U,C G 773`i D _1 '?, () 1) '7S/ WRIT OF EXECUTION and/or ATTACHMENT COMMONWEALTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO 06-5533 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 LISA T. PHAM, 2 Dogwood Ct., Camp Hill, Pa 17011-1525 (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 GARNISHEE(S) as follows: SOVEREIGN BANK, 17 W. 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, securites, coupons and safe deposit boxes. 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 $7,587.38 L.L. $.50 Interest from 1/17/07 at interest rate of 6% per year - To Be Determined Atty's Comm % Atty Paid $199.70 Plaintiff Paid Date: 6/20/08 (Seal) Due Prothy $2.00 Other Costs Curds R. Long, P notary By: Deputy 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