HomeMy WebLinkAbout06-6580
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
No. Of.- -'-~fO C;tJiL~~
MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
MAIL STOP 1411
WILMINGTON DE 19884-1411
Plaintiff
VS
TIMOTHY A PETERS
133 PETERSBURG RD
CARLISLE P A 17013
Defendant( s)
Date:
II If /6~
f f
W&A File No. 166393714
CIVIL ACTION - LAW
Filed on behalf of:
Plaintiff, MBNA AMERICA BANK, N.A.
Counsel of record for this party:
Amy F. Doyle #8706
Philip C. Warholic # 341/ 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.
Plaintiff
VS
:CIVIL ACTION - LAW
TIMOTHY A PETERS
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. 166393714
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
MBNA AMERICA BANK, N.A.
Plaintiff
:No.
VS
TIMOTHY A PETERS
Defendant(s)
:CIVIL ACTION - LAW
NOTICIA
USTED HA SIDO DEMANDADOIA 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
personalmente 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 fall a 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 pOT Demandante. U sted puede perder dinero 0 propiedad 0 otros derechos importante
para usted.
USTED DEBE LLEV AR ESTE PAPEL 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 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. 166393714
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA
MBNA AMERICA BANK, N.A.
Plaintiff
: No. ()~- r;,Sfd ~ I~
VS.
TIMOTHY A PETERS
Defendant( s)
: CIVIL ACTION - LAW
COMPLAINT
AND NOW, this 17 day of October, 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 a principal place of business situated at 655 PAPER
MILL ROAD MAIL STOP 1411, WILMINGTON, DE 198841411.
2. Defendant, TIMOTHY A PETERS, is an adult individual with a last known address of
133 PETERSBURG RD, CARLISLE, CUMBERLAND COUNTY, PA 17013.
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 (NAF). This Credit Card Agreement also recites that since the agreement
involved an instrumentality of interstate commerce, that the Federal Arbitration Act, 9 D.S.C. ~~1-16
CCP Cmplt - MBNA wo AF
W & A File No. 166393714
1
(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 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 $6,062.33.
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
$40.85.
13. Plaintiff has retained the services of the law firm ofWolpoff & Abramson, L.L.P. in the
collection of the amount due from Defendant.
CCP Cmplt - MBNA wo AF
W & A File No. 166393714
2
14. 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.
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. 166393714
3
WHEREFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of
Plaintiff and against Defendant, in the amount of $6,062.33, interest in the amount of $40.85, plus costs
of this action and any other relief as this Court deems proper and just.
Respectfully submitted,
Date:
11/lltJ (,
, I
Amy F. Doyle #87 21 Daniel F. Wolfson #20617
Philip C. Warholic #863411 Andrew C. Spears #87737
David R. Galloway #87326 1 Tonilyn M. Chippie #87852
Sarah E. Ehasz #864691 Robert N. Polas, Jr. #201259
Bruce H. Cherkis #18837 1 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 FHe No. 166393714
4
VERIFICATION
The undersigned hereby states that helshe 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, helshe 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 hislher 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:
{{Ir/blt
f (
2 1 Daniel F . Wolfson #20617
Philip C. Warholic 863411 Andrew C. Spears #87737
David R. Galloway #873261 Tonilyn M. Chippie #87852
Sarah E. Ehasz #864691 Robert N. Polas, Jr. #201259
Bruce H. Cherkis #18837 1 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. 166393714
5
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CLIENT NO 001730 MBNA ACCT#4264280306242216 BALANCE -- 6,062.33
****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT OS/22/06
*M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME
4264280306242216 A I PETERS
*M-FIRST-NAME *M-ADDR-1 *M-ADDR-2
TIMOTHY A 133 PETERSBURG RD
*M-CITY *M-COUNTY
CARLISLE
*M-WORK-PH
0000000000
*M-POE-ADDR
*M-LOAN-TYPE*M-LENDING-OFFICER
LV01 OV0001
*M_BANK_CODE*M-BRANCH-CODE*M-CALL-CODE*M-RECOVERER-CODE*M-DEALER-CODE
ATTY
*M_CO_RSN*M_ACCT_STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE
PQP 0000 09/01/06 03/05/03 01/01/69
*M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL
OS/22/06 6,062.33 .00 .00 6,062.33
*M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1
6,062.33 .00 .00
*M-COMMENT-2
002 20060901
*M-COMMENT-3
*M-DOB
02/18/58
*M-STATE*M-ZIP
PA 170133131
*M-POE-NAME
*M-HOME-PH
7172494353
333422111A123
0000070
*M-COMMENT-DATE
09/02/06
*M-2ND-NAME *M-MONTHLY-INCOME*M-OTHER-INCOME
PETERS KRlSTENE L 48.33 .00
*M_MONTHLY_PYMT*M-OTHER-PYMT*M-OWN-RENT-CODE*M-RECOVERY-SCORE*M-NEXT-PAY-DATE
.00 .00 R 0696
*M_LAST_INT_DATE*M-LAST-CONTACT-DATE*M-COMM-RATE*M-HOME-PH-FLAG*M-WORK-PH-FLAG
0000
*M-MI0*M-'AG
*M-ADDR-FLAG*M-SSN
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MNBA AMERICA BANK, N.A.
Oh /" {p 5 to c/v; J
VS
TIMOTHY A. PETERS
ANSWER
1. ADMIT
2. ADMIT
3. ADMIT
4. ADMIT
5. DENIE (CARD HASN'T BEEN UDES SINCE 5-29-04)
6. ADMIT
7. ADMIT
8. DENIE (CALLED SEVERAL TIMES AND ASKED ABOUT INTEREST
CHARGES SINCE CARD WASN'T BEING USED)
9. DENIE
10.DENIED
11.ADMIT
12. DENIE
13. ADMIT
14.DENIE (CALLED IN MAY OF 06 ,WIFE LOST HER JOB,ASKED FOR HELP
WITH PA YMENT. PAYMENT THEY GAVE I COULDN'T AFORD. THEY
COULDN'T HELP ME.)
15.DENIE
16. DENIE
"I '\__
WHEREFORE DEFENDANT RESPECTFULLY REQUESTS THIS HONORABLE
COURT ENTER JUDGMENT IN FAVOR OFDEFENDANT, IN THE AMOUNT OF
56,062.33, INTEREST IN THE AMOUNT OF $40.85, PLUS COST OF THIS AND
ANY OTHER RELIEF AS THIS COURT DEEMS PROPER AND JUST.
Date: 12-21-06
Respectfully submitted,
~dkilQ<P~
133 Petersb,ug Rd.
Car/isle,Pa 17013
. ,
VERIFICATION
THE UNDERSIGNED HEREBY VERIFIES THAT THE STATEMENTS MADE IN
THE FOREGOING COMPLAINT ARE TRUE AND CORRECT TO THE BEST OF
HIS KNOWLEDGE, INFORMATION AND BELIEF.
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: 12-21-06 ca;;;i1t;/'7/JI a,~
133 PETEIiSBURG RD.
CARLISLE,PA.17013
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SHERIFF'S RETURN - REGULAR
CASE NO: 2006-06580 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MBNA AMERICA BANK N A
VS
PETERS TIMOTHY A
ROBERT BITNER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
PETERS TIMOTHY A
the
DEFENDANT
, at 1453:00 HOURS, on the 20th day of November, 2006
at 133 PETERSBURG ROAD
CARLISLE, PA 17013
by handing to
KRISTENE PETERS, WIFE
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
Sworn and
18.00
4.40
.00
10.00
.00
32.40/'
(~ JJ.!O-l!OL
Subscibed to
~~~
R. Thomas Kline
11/21/2006
WOLPOFF & ABRAMSON
day
B~
Depu y Sheriff
A.D.
before me this
of
'\
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A.
FKA, MBNA AMERICA BANK, N.A.
Plaintiff
No. 2006-06580
CIVIL ACTION - LAW
VS
TIMOTHY A PETERS
Defendant(s)
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
Respectfully Submitted,
Date: ~/(P/D 7
! {
62/ Daniel F. Wolfson #20617
Philip C. Warholi #86341/ David R. Galloway #87326
Tonilyn M. Chippie #87852 1 Sarah E. Ehasz #86469
Robert N. Pol as, Jr. #201259/ Bruce H. Cherkis #18837
Ronald S. Canter #94000 1 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. 166393714
.
'"
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
FIA CARD SERVICES, N.A.
FKA, MBNA AMERICA BANK, N.A.
Plaintiff
No. 2006-06580
vs.
CIVIL ACTION - LAW
TIMOTHY A PETERS
Defendant(s)
CERTIFICATE OF SERVICE
The undersigned does hereby certify that a copy of the foregoing praecipe was
q..f."-
served this date by Regular Mail, Postage Pre-Paid on this \) day of
j\'\~rc ~
, 2007.
Philip C. BRIGANTI
74 W POMFRET ST
CARLISLE, P A 171030000
Jaret .S.Smith Quality Control
WO POFF & 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. 166393714
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