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HomeMy WebLinkAbout06-6146 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA MBNA AMERICA BANK, N.A. 655 PAPER MILL ROAD MAIL STOP 1411 WILMINGTON DE 19884-1411 Plaintiff VS No. Of.- -I.'LlI". C~C-J~L y~ CIVIL ACTION - LAW HELGA MUNOZ 313 SHARON DR # A NEW CUMBERLAND P A 17070-3052 Defendant(s) Date: ~ W&A File No. 130033721 Filed on behalf of: Plaintiff, MBNA AMERICA BANK, N.A. Counsel of record for this party: ~062/Danie1F.W01fson #20617 Philip C. Warholic #86341 / Andre~~-,-.spe;~ David R. Galloway #87326<t'fOlllfyn M. Chi .'" 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. Plaintiff VS :CIVIL ACTION - LAW HELGA MUNOZ 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 HA VB 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 MAYBE 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. 130033721 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff :No. VS HELGA MUNOZ Defendant( s) :CIVIL ACTION - LAW NOTICIA USTED HA SIDO DEMANDADO/A EN LA CORTE. Si usted desea defender conta la demanda puestas en las siguientes paginas, usted tienen que tomar acci6n dentro veinte (20) dias despues que esta Demanda y A vi so es servido, con entrando por escrito una aparencia personal mente 0 por un abogado y archivando por escrito con la Corte sus defensas 0 objeciones alas demandas puestas en esta contra usted. U sted 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 0 por cualquier otro reclamo 0 alivio solicitado por Demandante. Usted puede perder dinero 0 propiedad 0 otros derechos importante para usted. US TED DEBE LLEV AR ESTE P APEL A SU ABOGADO ENSEGUIDA. SI US TED NO TIENE UN ABOGADO, V A Y A 0 LLAME POR TELEFONO LA OFICINA FIJADA AQUI ABAJO. EST A 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, P A 17013- 717-249-3166 CCP Notice to Defend W&A File No. 130033721 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff : No. Dl- -l.llJ/". 6.., ;L <-r-€/L.",--- VS. HELGA MUNOZ : CIVIL ACTION - LAW Defendant(s) COMPLAINT AND NOW, this 29 day of September, 2006, comes the Plaintiff, MBNA America Bank, N.A., by and through its attorneys, the law firm of W olpoff & Abramson, L.L.P., and files the within Complaint and in support avers as follows: 1. Plaintiff, MBNA AMERICA BANK, N.A. , is a National Banking Association organized under the National Banking Act with a principal place of business situated at 655 PAPER MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411. 2. Defendant, HELGA MUNOZ, is an adult individual with a last known address of 313 SHARON DR # A, NEW CUMBERLAND, CUMBERLAND COUNTY, P A 17070-3052. 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 CCP Cmplt - MBNA W & A File No. 130033721 4 (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. I O. 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 $28,121.00. 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 $3,294.83. CCP Cmplt - MBNA W & A File No. 130033721 5 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 ofWolpoff & Abramson, L.L.P. in the collection of the collection ofthe 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 $4,218.15. 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 Cmp1t - MBNA W & A File No. 130033721 6 WHEREFORE, Plaintiff respectfully requests this Honorable Court enter judgment in favor of Plaintiff and against Defendants, in the amount of $28,121.00, plus interest in the amount of $3,294.83, plus attorney's fees in the amount of $4,218.15, plus costs of this action and any other relief as this Court deems proper and just. Date: Respectfully submitted, ~ 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. 130033721 7 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: ~ 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. 130033721 8 Exhibit II All . . . , " , . .GOLDOPTION . AC'" co." 'UNT . ~ .' , + .f~,,' :.: .: ".~ ." , . . . .'": ..~, :'- .... . .... . ... .. ... ..... .. .. .... . AGREEMENT I AIiIIat A,- 17 ...... 1 GMmIl II CWI ~ ...... .,.. .. ..,..,...... III .... .... flfII,... fa .... __ lilt ....... .... .. ....... .... fa.,.., ................ ~ '!!II....................."'MBIfA A.....-_ WBNAA..-... H.A. n._ .A/lNtIIII" .-.,...,........ ..........~ 0lIr~.)W--~~.:=-:.=..-......1 ,;~~...............~:-~ -:......ot.....r .---At nn. flY_ ~.... -. ". .. r_ - - lit.... ... It.., ...... 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JNCLUDINO 90IGI a.uMI 'l'IIAT COULD HAW B18111tJBD 8IIOIUl A JURY. All a.ASI ACI'IDNI OIL All PJUVATB -ATIOIUGIY CBtDALACl'JOIII. ~!AWI ". ___ II ..... ill DIIun& It Ia peIlIIlIlIJ ilia laM "fie ~ af DIIIa.... wldlaut mpnIlD tis ~ aflnl ~"'l1j.., Wile.......... taws. If.., .... of.... A.....-& II .... tD 111""" die .. --- e6c:dw. Oar 1dIln.. cW., Ia tIItCIdIIaI.., af -...... undar dill...... ....IIGC _ diet _... ......11I .......lIIaM .......... MBNA....... ..~reafIIind'" ndtttllCBNA ~BaIt. NA 02101 ~A-rcaBalc. H.A. j PrtftCJ j v.... DrIncY II 1mDM1ut... Al ~ ....~. 111'" to JIIDVidiDI)'aII wida die fiaat fIDecial prodacta... ___ bII::bd by ~~tfy ~..... ADd'" "'''--'-.. JaG fa ~ to 011I' IbitilJto do _.. u,l"IllCIP&adlla~ albllpiaa..-.J... ..... faI1;.l..... ..... '.. To"')IDa dI8 wkIeIt fIDII olproducllllld ~ MBNA may...... ;&..........)IDa bock widJiaMBNA IIId 0IIbfde of MBNA .. ok ~ 11dI aIIowI UlIll mar)'aD praduclallld'" kaay iDterat,... bat meet)'aUf..... ...... 1haJ.. avatIaItJe cfirecdy lnlm MBNA or IbrauP our P~p'" ok --.-.. We")aD" ~... oar inftl...""",* ..,..... what iDIInDdcIa .. coJ1eat. ... Ub...-ti_ we ..... ... the ..... )IDa ftlCIiw ..... we ..... ........... aIlout)1lDlL 'J1aiI aotb dIIc:riIltI.... privIGy pncdceI ofMBNA CorpoirIdao ad III WBNA ........lall....... MBHA Amna..... N.A." MBNA-Amaa~" MA. PaDidIIa 'n1MI ScnbI.... WBNAH.-.JdNt>"'Ck. ......-. MBNA:~ . . s,..... -. .. MBNA........ .ApaGf.lDD. (coUecdwIy. "'Y8HA-,. t1r..... pncIuata............... bye. .... of '1M UaiIId.. al ,.---- 11IiI DOdce apIaiu NJiNA.. ......~......... ................,.. aIIoa........ or. DOtMBHA..,..... c:erWa Wb....dIca...,............ MBNA or..... otNIINA....... ~ OuSearlltfPnCJJ... WIINA~'" ...tIIe~of""""_"""",,,,, J_IDd....ft~. McIa to lIahdllltlaa aboat,.. ltl'flltrfcblclID the pcapIe cilMBNA ... NqUh it.. pnrvide....... or Ia'ricIlII fa,.. w. _........ phyIbI........ ..............,.,... fila ClIIIIplywidl................... -.tIy aI'IdnaIIiaa. Wh8l MBNA ..... .........,.. wfdl........ aaIIidI ofMBMA. ............Ill ............. ... it Cllll71br. J-..l-t p.p... _ID....... lID.. or ~it _1IIIc...... 11__ . Welflllit die .......,................. fa ..... II ............ tD.... aJllllllllctar...... '-'fJ. MIINA..qu.....al-.-v........ "'.............MBNA to..... 0--" dORty All...... 41-.............. ...... ~.. tIIII~.......... ...____. we...... ~ w. CeII8ctI IimNA CDIIIIl8 11I4 - -.,.'IbIio...... .........IIloat)'all......._........i ... Clll--'. ..., Mwr..........._~....,. ClIlI*IIIDu; ....aI...-................ ~ . ~ we........~ .............. adIcr an. fit.....,... --~l'+.... fltlll-.-.--.5rIdoa witII .. a-InM....... .. DIIIiI, by~...... eM JabaeI: 1lA......... ........... fUdJlli1*;.... CQNII-~...... to"'.~ --. YW".,.1IIlIde ID.... . ~ yoIW~. ~.......... n6IIIi4Mlllhfpl: at . r:..1b.1WdDa ",oar~ widI MBNA IIId willi ok -.pnf- 0UIIkIe ofMBHA. . . IalenIuIa.a W...........IQIN.\: W. may....... of.. idIaDIdGa.. aoIIIat Iboatyaa with Jiuadal aemc. -"-'. widda MIINA .. ... ................ ar.... a.t Day ......)"IN IIId belt IIIIIIt JOIII'.... w. beBew ... II COAVaIiIIIt Ibr )'011........ -)'lIIU IIada tiaII-lIIIIMY. Tolil... -... .......,,.-.- .....-... (nda................,. ~ IIId ~........... (.a...,4 lr .... pa~). cndit eIIJiIIiIitJ iDIxIDIIIoD (.... cnditRlpOlfa _ ~ ... oIbIr ~ n. cIedIiaa III .......,. aucIa prodada 01".... II ,.......... v.. may tIlIl u_. ..... cndft ~ ~ --,. wfddD WIlMA. but pa..u..d...6..d Iblt.... _poIdbitua...... yoa..... pacIacIa...-*- 'CII' haa......ar--Iaa.... ~~ lIIdotberiD6lmlldoa wttWaMBHA. . . w......... w..... WItII oa.nr Pna time lID... we may'" -,,-- auIIIlde afWIINA tD ofIIr JQa....)IIOCIIca ad ..w. tilt maJ iaIaat,. n- pftldaI:a...... may lie dnd by..........)nVIcIrn CIlIda..... Jo....... 1CCOUIlt........... iDIunDce....... iaIunac:e ~ *"!pp......................). by ....""-... I ~ C........... dinlct...b6... .......~ ~~ JIdIIaIt.... pro~ -..... ~.... CIIIIp"'ee tn.wI...... cnn..... CII'..... y-I-......'UUO" PubIWwI. .. ..a~'l..oIIluu __.. MBNA..... pnducta . . .mcc.). .. ... (ncIl. BIIpI1I& or.... 1 .of.); Subject ID appIiab" law. 1ft -.y .... d.. ......... 1ft coJJect witII tbae OOI"PMi.. 0ll8ida of'MBNA........ )'lIIU blU __to. AdditiODllly, we may ... .u the JalormItion 1ft coUect widl COII1pMi.lbatper{onn mftetin&' 01" ocb.- ..-.ica OD oar beba1f fit to other tm.cial iDedtutiou wida wbi&:h we bawjoiDt Dllrketia,....... We.. aIIopamitWby I&wID... inAmnldoa _ut you witIr oCher CClIIIpIDieI iD CIrtlIfD cirat4...... Por iDImDce. we may ..... eJJ oldie iIlf'clradClll we co1Iect with coqJIDiee I8IiIdDc UI in serYiciq ~ Iaen or ICCOUIIt. with comp8lliulhat eodorie ourproducllllld MrYic:a throusbliBDity ~ with lOYemmIlat entitiea in I'llIpOIJIa to subpoeDaI or J1lsuJatory requiIemlmas. IUd with COIllWl1er reportinJ aamd- If)OU te1I UI Dot to share infcxmatioo with co~ outside ofMBNA that wish to oft'er )IOU their prodUCIIIDd amc., . daa1Ded above, pleuelUlderstand that we will continue to share intimnatiOD. in these additional circ1Jm.stancea. ~....... A.HId y.... CWa: W.11'8 cIdGIIId to.... your..... _lID I"'I~" your.... nbIIlIlD . ~ Voa ,.,11II. aot..... cndII tIfIi'biIIIr W- d_" WBNA....,....,... · -...... ...~.- cCIuIi _.... .....GtMBNAdIIl......,,......~...... .~-- It,. willi. 011I .e1... ..... d....... ~ CIIlIDI-...t....7S1.125S. W. wID..,. II ..,.........,... till..... ~ ~ 1l"....1D which tile opt_..... .......... III ~--.___.,. .I....~M .......,..SGCliIl~.......~ J""- ....~........ depaIit.......,..... willa p ell. WBNA..... opt _.tIII accouiIlML _by........ 0.--. VilMa.,,... ~ willa..... - -. GlltC'" ~ lID ~joiId.........,........... _williIt.............op.tae YBNA will ~ to"'" lID III cIIIcI,opdpdWGY~ iii allllGlllt- ilia ___.......11..... Aa Opt out 6aaa idl4. dOfl.... 011 a ...... deIc:riW I1Iow. ....widlfDMBNA.... willa ~- aaIIidD 0IMBNA. ..................... iD __ ,..... repWlMw ..,.n.. pnwidI....... - -a... ...... _DIll. 1CCCIIIIIi'" ~.... aut bID". of............... .............-)'011................-- dIIIt .. __ .............. out taal.....1Ioda &ft*i of.............. (_1MIt ~ iD WriIfDt) cIoa DlIt.... tit he oped .out.... . . . Ttat.......~ .........._......._~ ;;..'iIBNA.. d.~ ~~..~.ir.IA_:.~~.' Far ...a.IItInMI id:d .._ ~ WBNA'. priWGY.......~......... .........IIIGIt_..... 01... pdftay ...... p1eMI.. II __ ........-.... eM _ "J'riYMYNotia. VClIl _.... ...pn.ypOCllcdoat --.......... Wo., ....... tIIIa priftO)'''' It ., tImta ... .. will ia63rm )'lIG of.... . reqaind ~ law. Exhibit IIBII CLI~NT NO 001730 MBNA ACCT#74984322019304 BALANCE -- 28,121.00 ****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 02/25/04 *M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME 74984322019304 A I MUNOZ *M-FIRST-NAME *M-ADDR-l *M-ADDR-2 HELGA 313 SHARON DR # A *M-CITY *M-COUNTY NEW CUMBERLND *M-WORK-PH 7179386929 *M-POE-ADDR *M-DOB *M-STATE*M-ZIP PA 170703052 *M-POE-NAME *M-HOME-PH 7179384897 *M-LOAN-TYPE*M-LENDING-OFFICER LUOl OUOOOl *M-BANK-CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE ATTY 322 *M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE PQP 0000 10/05/04 09/11/02 01/01/69 *M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL 02/25/04 28,121.00 .00 .00 28,121.00 *M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-l 28,121.00 .00 .00 GOLD RESERVE RETENTN *M-COMMENT-2 001 20041005 *M-COMMENT-3 AAMM1A1234567 0000250 *M-COMMENT-DATE 10/05/04 *M-MONTHLY-INCOME*M-OTHER-INCOME 70.00 .00 *M-MONTHLY-PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE .00 .00 R 0003 *M-LAST-INT-DATE*M-LAST-CONTACT-DATE*M-COMM-RATE*M-HOME-PH-FLAG*M-WORK-PH-FLAG 0000 *M-MIO*M-AG *M-2ND-NAME *M-ADDR-FLAG*M-SSN ~ 1. ~ ~ lI) Vi ~ ~ --c:: 'fA ~ ~ . CIl ~ p:: 1- ~ ~ 0 c.:" C r":;> 0'-' --I s: <::) ~:!l g "'"0\,;'; (') nr- ~~: t , --l -erg N -."lC .\., t C> S::1c,.:> -0 '-r.: -~, ~2o :J: "":-rn ~ ~ ....,. c. .......-; L) ~ ._-t .-< Ul I'" 't IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. No. 06-6146 CIVIL TERM Plaintiff CIVIL ACTION - LAW VS HELGA MUNOZ Defendant(s) PRAECIPE TO DISCONTINUE To the Prothonotary: Please mark the above-entitled case as discontinued without prejudice. Respectfully Submitted, Il.Ie: ~ G: --- Amy F. Doyle #87062 / Daniel F. Wolfson #20617 Philip C. Warholic #86341, ful\.U,",.-v-~ WLL[J<f~ 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. 130033721 #. ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA MBNA AMERICA BANK, N.A. Plaintiff No. 06-6146 CIVil., TERM vs. . CIVil., ACTION - LAW HELGA MUNOZ 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 ~ J4 day of ~~l ,20!4-. Helga Munoz 313 SHARON DR # A NEW CUMBERLAND, PA 170703052 CQo Amy F. Doyle #87061 I Daniel F. Wolfson #20617 Philip C. Warholic #86341 llI1iiir"n,r., ff-- "i.. .H David R. Galloway #87326 I Tonilyn M. Chippie #87852 Sarah E. Ehasz #86469 I Robert N. Polas, Jr. #201259 Bruce H. Cherkis #18837 I 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. 130033721 :-- ~ ,-:'-. , -,( c:J n CJ f\-",) -.J -n f"'" N c::