HomeMy WebLinkAbout06-5760
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A. No. 0 1,. 5') I, 0 c..;..J f """"'"'
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
Plaintiff
CIVIL ACTION - LAW
VS
CAROLE CLECKNER
7 HOMESTEAD LN
CAMP HILL PA 17011-8325
Defendant(s)
Filed on behalf of:
Plaintiff, MBNA AMERICA BANK, N.A.
Date:
q L~111Jr
Counsel of record for this party:
~
Amy F. Doyle #87062 / Daniel F. Wolfson #20617
Philip C. Warholic #86341/ Andrew C. 7
David R. Galloway #87326 / mlyn M. Chi ie #878
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. 138618321
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
:No.
MBNA AMERICA BANK, N.A.
Plaintiff
VS
:CIVIL ACTION - LAW
CAROLE CLECKNER
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, P A 17013-
717-249-3166
CCP Notice to Defend
W&A File No. 138618321
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
:No.
VS
:CIVIL ACTION - LAW
CAROLE CLECKNER
Defendant( s)
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 Aviso es servido, con entrando por escrito una aparencia
personalmente 0 por un abogado y archivando por escrito con la Corte sus defensas oobjeciones
alas demand as puestas en esta contra usted. Usted es advertido que si faHa 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 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 P APEL A SU ABOGADO ENSEGUIDA. SI USTED
NO TIENE UN ABOGADO, V A Y A 0 LLAME POR TELEFONO LA OFICINA FUADA
AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO
CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE P AGARLE A UN ABOGADO, EST A 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. 138618321
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
: No. O~. 51(., 0 ~ Ib-.
VS.
: CIVIL ACTION - LAW
CAROLE CLECKNER
Defendant( s)
COMPLAINT
AND NOW, this 26 day of September, 2006, comes the Plaintiff, MBNA America Bank, N.A.,
by and through its attorneys, the law fIrm ofWolpoff & 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 N alional Banking Act with a principal place of business situated at 655 PAPER
MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411.
2. Defendant, CAROLE CLECKNER, is an adult individual with a last known address of 7
HOMESTEAD LN, CAMP HILL, CUMBERLAND COUNTY, PA 17011-8325.
3. It is averred that Defendant was issued an open-end credit 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 (NAP). 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
4
CCP Cmplt - MBNA
W & A File No. 138618321
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(FAA) governed the Agreement and that following disposition through the NAP, 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 NAP 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 $32,540.87.
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
$7,863.30.
CCP Cmplt - MBNA
W & A File No. 138618321
5
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13. Plaintiff has retained the services of the law firm of W olpoff & 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 $4,881.13.
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 exceeds the jurisdictional amount requiring compulsory
arbitration.
CCP Cmplt - MBNA
W & A File No. 138618321
6
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WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment in favor of
Plaintiff and against Defendants, in the amount of $32,540.87, plus interest in the amount of $7,863.30,
plus attorney's fees in the arnouut of $4,881.13, plus costs of this actioo aud auy other relief as this Court
deems proper and just.
Respectfully submitted,
Date: ~
Amy . 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. 138618321
7
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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 unsworn falsification to authorities.
Date: 1 Nfilvp
~
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, P A 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
CCP Cmplt - MBNA
W & A File No. 138618321
8
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Exhibit IIBII
-
..FICHINFOl .. Date 03/23/05 Account 5490994746548338 Mode L ..Nxt
CLIENT NO 001730 MBNA ACCT#5490994746548338 BALANCE --$32,540.87
****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 12/23/04
*M-ACCT-NO *M_REC_TYPE*M-CUST-TYPE*M-LAST-NAME
5490994746548338 A I CLECKNER
*M-FIRST-NAME *M-ADDR-l *M-ADDR-2
CAROLE P.O BOX 264
*M-CITY *M-COUNTY
MECHANICSBURG
*M-WORK-PH
7177319881
*M-POE-ADDR
+ .
*M_LOAN_TYPE*M-LENDING-OFFICER
LMOl OMOOOl
*M_BANK_CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE
AGNY 746
*M_CO_RSN*M_ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE
PAA 0000 03/21/05 05/08/01 01/01/69
*M_LAST-PYMT-DATE*M-CO-AMT *M_ASSOC_COST*M-ACCRUED-INT*M-CUR-BAL
12/23/04 $32,540.87 $.00 $,00 $32,540,87
*M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-l
$32,540.87 $,00 $.00
*M-COMMENT-2
001 20050321
*M-DOB
03/17/64
*M-STATE*M-ZIP
PA 170550264
*M-POE-NAME
*M-HOME-PH
7177318254
AwAAAAAAAAA12
0000312
.MODE L=LFT R=RGT W=WRP Next File ·
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LAW OFFICES
WOLPOFF '" ABRAMSON, L.L.P,
ATTORNEYS IN THE PRACTICE
OF DEBT COUEC110N
4660 TRINDlE ROAD
SUITE 300
CAMP Hill, PA 17011
717.303-6700
II
,
e-
"
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N,A.
No, 06-5760 Civil Term
Plaintiff
CIVIL ACTION - LAW
VS
CAROLE CLECKNER
Defendant(s)
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
Date: .
Respectfully Submitted,
Amy F. G- #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, JI. #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, 138618321
LAW OFFICES
WOLPOFF & ABRAMSON, L.L,P,
ATI'ORNEYS IN THE PRACTICE
OF DEBT COUJiCTION
4660 TRINDlE ROAD
SUITE 300
CAMP Hill, PA 17011
717-303-6700
"
# ...
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
MBNA AMERICA BANK, N,A.
Plaintiff
No, 06-5760 Civil Term
vs,
CIVIL ACTION - LAW
CAROLE CLECKNER
Defendant( s)
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 ~ day of
^}tvt~L.
-- -
,20f!&..
Rhonda MERRIL
15301 DALLAS PKWY STE 1110
ADDC- 75001
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
W &A File No, 138618321
s
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