HomeMy WebLinkAbout06-6606IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A. No. a(p - 1v(00(,0 FKA, MBNA AMERICA BANK, N.A.
655 PAPER MILL ROAD
DE5-013-02-02
WILMINGTON DE 19884
Plaintiff
VS
BOBBY N SWEENEY
813 HUMMEL AVE
LEMOYNE PA 17043
Defendant(s)
CIVIL ACTION - LAW
Filed on behalf of:
Plaintiff, FIA CARD SERVICES, N.A.
Counsel of record for this party:
i
Date: ffq
Amy F. oyle #87 2 /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. 164814666
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A. :No.
FKA, MBNA AMERICA BANK, N.A.
Plaintiff
VS
BOBBY N SWEENEY
Defendant(s)
:CIVIL ACTION - LAW
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. 164814666
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A. :No.
FKA, MBNA AMERICA BANK, N.A.
Plaintiff
VS
BOBBY N SWEENEY
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 accion dentro veinte (20) dial
despues 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. 164814666
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A. a(. - (o(o
FKA, MBNA AMERICA BANK, N.A. :No. l t??
Plaintiff
VS.
CIVIL ACTION - LAW
BOBBY N SWEENEY
Defendant(s)
COMPLAINT
AND NOW, this 09 day of November, 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, FIA CARD SERVICES, N.A. FKA, 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 DE5-013-02-02, WILMINGTON, DE 19884.
2. Defendant, BOBBY N SWEENEY, is an adult individual with a last known address of
813 HUMMEL AVE, LEMOYNE, CUMBERLAND COUNTY, PA 17043.
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 U.S.C. §§1-16
CCP Cmplt - MBNA wo AF
W & A File No. 164814666
(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 $13,707.64.
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
$198.29.
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. 164814666
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. 164814666
WHEREFORE Plaintiff respectfully requests this Honorable Court enter judgment in favor of
Plaintiff and against Defendant, in the amount of $13,707.64, interest in the amount of $198.29, plus
costs of this action and any other relief as this Court deems proper and just.
Respectfully submitted,
Date: It Q f"'44 (? L v
Amy F. Doyle #870 / 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 4
W & A File No. 164814666
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: L04
Amy F. Doyle #8706 Daniel F. Wolfson #20617
Philip C. Warholic #815341 / 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 Cmpit - MBNA wo AF 5
W & A File No. 164814666
Exhibit "A"
?.
Aca.at Agrano tt
6oarak h0 his do war& -W sod -Ire ralir to each and A of dw pasay in whose auto fhit mount was Woad and who able.
main or Way IPw Mw foal under dds Apaaoatt. 7fis wads'."' Nom" and *?AM Anwrice mesa MBNA Atvica Badq UAL 73e wet
"A&Mme Dysrn any lase you obtain flwm us under ddb Agee=ML
Ckw Aareannmt wilt you osssists of M Agteaaat gad tlts terms tad casdidoss prittrd m Ids required fitdersl disalanras section of fire aooo waviol
Tams o(Your Account istlsr, wb ob is beapor d betsbn aid ask a part bored Plws keep these docu ocaN6 ad sobsogneot unadmetitt, if OW
top...
When yon. or ayous whom you atbarida or pmnht. user your aoeouat, yes Wen b the furs of his Aireartatt
YOU cowrmt b and sushodas MBNA Arrwoa, aq at eta gMaim or Its mob a to used" to mmitar and/or record awry of your Wepboaa
oonvst.atioae wdtb our Mpres.atadves or an rvresmntatives of say of hose oatp
All cq*dlnd wear ngt ddb W baeio doll have rho umWng as da&W % dw nquied hdwd dirolowues section of your Tams of Your Account latter
Crum SgwdoX Arldw If you Wave in b'aie'Smislwd it.ooua ti at £acanplete i.Atru"oD abow-yon or yaw amount to a ceadlt reporting
¦tt1C1ti welt b us at MWrA. cmat Repordeg Agencies, P. 0. Boat 17050 Wilns6ngb . DR 19=44064. Pleua bchrds year Dane, ad&n% Mme
pbo s , and wcotratamber, and cook wet you behave is imeaaafa or fac, is ices.
Row Ti We Your Atossau Yoe may rya Ysor aaeamt b puslase or is.se /esi or Invitees drat parses wdno Moor chador Yore nary obtain seals
EEZ410101tdmpositdopeo6uposdispollsiss' eooost by equlif aborts err daft. psyabb b U-& Deana drat w M be rate d&w dkodbF b year dus4posed pages orto yon Ana
d simmer ponds. We ttsgr of hr the &mt depook of Advmon bb yuw bddag aocoow w dross otyour uedbsa Avn of
ad proesdws fitly naedit b m L Y I d s aoamnt indM s a spooM ifingion b parn-
pads of antrvlcsr from a aa.reiyaR wy lrrpl sand Adsaton dbeotbr b tbt maaWrtt as your Molt From dens b lieu, sea wW isms you additiMd
Gleans or aft odor ad MmA Advaum In tespaore b yoansgt"& Yon may sot use auyrAdame wAdy b sobs a pe)aat oo dds account er soW b
males a psynat mow now credit ammotwit4 arc
1t yon permit aayF parson is osa aoceas b your clocks or anow nt amber wish do atmoriadan b Dohs a donor you nww be Vablo Air alt Advances
male by mot passe isaldbg Advarmet Ar wbidt Yon mWaot bmm ha soM to be OWWL
You, omm sat letoe wpoddaw rook b dttaia audit nods yaw wo ant. Myoe do poatlab a abere by wbiel you, Papa" to obtain aadlt ends yaw
p praambest or MUM it 10"M b ma page wblok prsea/ed it Air psynmC wiltott is eider case awdtog do dots
aoeans% W MW d$d to hssrritaon
?prye m dw cbealt: 'gle see aotV.bM b you Aar arylase err torpeo.e i.wrrrd boyar aaWng net adtbe aedoe sera eisot b tales
Yos rapt retina ad alterb b tar an raqumat .
craft Uniti Yaw audit dmit is al n on your Tams of Your Account bteow and P aily sa seek Uwaft east MML We may -longs your credit
Hadt or atria floss slots to flan, and we word motif you it sea do. IM total aaoutt of credit a nawadfag at nytims snit not be M. tea yoor mulit
brit. We ng eke aubW1 a sepaate credit Hmit for catain baisrca. if we do, yak outnsandag babome an tbgo Open of items mar not eMcwA d&
aepante audit limit
Rayu,at Ur Qua Over Your Cram Lbw b. M you regnat credit in ay fbt'm %*AW6 K gunned, would Rwit to dm.r your burl autatardbtg by(aaea
or yaw d pamle suab ding W m % including uAwf and woose lions ad yet posted to your somout, being more dust Yaw credit Hmit or your wparase
credit i3rokt if mow w atabliskd are hr yon, (whathw orant mob belawa draftee ibo repo st were mode Ora er respective audit birmiy we may:
(1) Howjw??w?oorpamens ftreWegymrcredrtVruC
.(2) Florae dw a questaaa treat tins amount wibich b rmrs dnas year uaudit Vmit es dna irsaediatebr, err
(3) ReAye b loner ms nwgttest. We may advM em person wbo mda to ngns.t met it bar bass nAnrA R we mMm b Msora chwk m
alga do so by advising fits person pig ms cheek dot credit ban bens rdbsed„ mat mere ere kinac ertt Ands b par da eoclt, or in any
odtsr mo msr.
N we ban previotady bonaad raqurxs Or audit over your audit Hulk it does not amen *at we wM konor hatter overHmit requrste. if we decide b
darer such a requemL we mq mom an averlinrit Ay as poovided in mid Apacment.
accomour M*M'M and craft atsnd rat
d tat M AAvas+ea: You may ob Mw ap° ? of one 1e? time-to dw appwd y?s?Addtidand Av m ppomd
wt co sip3ficsntadverse a, lm brs
account arse do filar of rho door ata% eesumag In a revMd rrmnht.urn moodvy payment tad rorind length of time to repay the loss AddWond
Advances must be at lawn 5200.110.
Tenn of Your Loan: Yam repaymad lean is diselosad in snolha doatmeeaboeadar. Your mond* payment amount wig be disolmed as dta Currmt
Payment an Your monmly-sbourants. Ceram everts may reach in yarn eoecu,ee beh ow not being paid off daring the tarns in lid. eau, We do not
cbyaga the minirraan neud dy payraant amount Imbead, we extend tine term to repay tie balance. For example. the fanowins avow will extend the tam:
(i) a payment holiday whieb you Ww; 00 an inerewe in the prime tats Aar my variable annual percentage nta account; Curl) all fen impaed on your
account, such as check aynacdon fees, late faun, over the credit limit fees and hu once premiums; and (v) payments received later dw the pavnteat duo
date.
PWM=t door not wits bib aamist die effix t of adding uspdd Periodic Rate pbusos Merges assessed on Adveam to 1
y'hif will c0 ed tine term is6o
pwo"
stiossi
Tb !tom ev wilt m&= die wal o, (but M1/ b do notchsrt ?1?? ?? mcaft rain, psy mma ruder d? the requite
ray, #A rat s pscon mtodsMl a* rd1 a a do, teaaa garbw le .
. tmgtissm Ps31Otsttt
DAPOFMID Yet P. 1 b peer rtes thn a whets of all credit yam abtaia: this bwk des all Altrateas6 may foes, 1 nd imw0aoa psseitatw w,
411w yaw ao amt sad Phawa CbwPL
Yoa wl pay the erodes imottet COMMEng It MV tiros without PM". Yea taut Pw ash month st last tb maims paywat d"M an yaw
Thu n*ba a pqm" wflt bs the total d (i) the =uud P@Ymmt amouee dww m Yost dibr shttemsa4 plus (ii) do =10010019 of
V p" &w pqg aatwmt ie bnsd upw the aaawrt mrtstssdbta. do teem otyoar loo. and the smad Pam! teem ryoa
?r a artNt baba v othsrwiss arsssad is ywr aooatot. w wAl mot Pee ttmeraat w aodd arteetthr. Psymmu vets th.m the mgt*a
' J"h N pgmmt wM wdm die bid womatt of ftstws Chasse et ws iss psylabb by lm
we will shoats your PqY"XAN to the meaner vw dewcolos. h hwM001% va M Allocate ? our MUNIft anams Owbtog ww wMwUom)
.ia_hi? APRs. 'ilia wig taint a?w rho. wph p om dmd APR oiltms)
wNh brrar ABt1a bdn b? belsnear. AN psyMMS wid be credited a yam saaatatt fir the bi>tivS ayde to witch a& pgme a ie taoeie0d.
oft PU ? bs swedes In adnsnea d pees omkxwl& W?a as ?°stOr chart lee aioimrmt paf n"t am wa
? widag do Pi wridw spptovd era mdw oth Us, doom arsw A Aunt rim sawn o.
lwbhnm not atfat yar ebli/am a min w ss t ondaadg.tiitnaiw
at).s.Bae1r. No psymtawtdwri?aa ?vmwsoosgdgra
use tits account as intitvidwib? ragpwebla for ate' ca't? ba mw& r two err mss
per "M we who iait 1 or tegwR scasPt
patswa age easpswslb& to pain a4? dsassr we any tidsss a rdwsa say at rhos bas tlabiaib' mdi all at tba ehacb ondgtaadLrg action the
accongbatns beam rrdumed OR ue M== is paid fa AIL
We swap a9ow yo0. item time a tone. b omit a MNd* Pte- We Will 2OtW iw wow this aptlm is avalahM H you oast a
? Pig sad knew" puavom K aq. wuf mom as yaw balwa A. gas nss<? i«dds A ad ym
swab a somm aap"nowt sub andh wilt rowans "Doing ? past
BYat; Cy" A bMbd eob b%W as the day mew the do ft dam abssas as tae seeoratCs Pmt: moo1?'adtmianc sad ends en the awabg dada
that appaoa aw Y°w s0°°?y ?01°00t ? the areeseetswad. .
IaMraaaat Glow andi< Insstnsoe UM W ottlated joy" Sods e bdo . 04 Ott* lesneaa?es rpotdwsei. do iossraaes
_ der bussucs rata rtes h elLect
wo lnewd as itaa meat oeaa amdedwr bMdI auegetsdiag drrwo der bilutta -nw urea is ? Ioyorr second as as Other Charger.
by ors svarap otyar Advmww i
dined Ruotl a MM4A ?? is a brochure or
a?ttad ewSesit bereft Raat bids a does, whirl will
HaasNa you IM be asd SWAM any dome ad witha
a?nwt. add. or A" bwidla
otbrawiaa, bUM Aswim raswm the tight to
Lrwataa Meant: You ,v be b dd wk sad wa an mpito imr>tlWa psylt?t a(A aoeoaaa you. ow M (1) you M b
Rnssat ? Dos DaaC A) yaw Hew Hdow Tad ascsads yaw erv* hair. ar if in bow sgdbBel ad a sepwass era*
sob star rpattad R aOt 1samisofts l bshaoe eameds yesc ssp?c+m e>adi<!bk ar l3) yon ba to Aida by uW o&w tams ar ibis A osmss4
unit for Yom. Your septasas
by qp? law. name also ragtaro you a pay do eollaetias and east goats wa incur in any eotlecdea p meal s and
yea ?s n&r yaw account for codactlon to m amanq who is not err nlsried ampbyes-
r
our wive a cosier say of Our rights when you ddb&dea natnsean that wa ss ueabts a ascercisa chase hobo npoo titer de8adt
Refasas as Heger Year Aoaasa WO err" WIS for gay ra&W b h0ew Yoe woount6 iacludhni my form of Advanck or for may telethon aryour
chasb by ns. aV Odw bmlc. ormW eenor or laser of Hoods or servtcas. '
to obtab eadit at toy lima fir say reason. Yaw obiiptionw minor tlds Aron" continue eves
Z'mrswirsatisa: we, say smpend or tatmiaala your tigba
afar yarn rights a notch credit have ben nape dad or Wni m*&
Aww"aaasbt WO mw.4vmd dis AOaemwt at my dnte by adding. dddio& or dwP&S pswidw in eompbaca wide die applicable notifiadm
na pkarwaa at hdonl law ad the laws of der State of Dohwm. If as terwtbttanc t ? tc, teaser all swift devices s s
? in 60 nesanor psovlded is sub ameadmaa4 in real, tarttmu or other ligbae ettaz:eg er?will apply to do entire unpaid babmee.
iw*maaWdiions ng-b of e ya babwow ra atti coaos.titnf bThssthge the acaw dw Sur. Agrsardneatemn a: be, (ianw dnndbaffbtg odva. We may replew your woca tt with anotlwr account at any time.
Asdgwmwts: % may at wy time, and widrout notia to you, assign your account, any Sung due on yaw u mot, this Agreement or our rigba or
obligations WOW your s wuAt or dtia Agawnaat to say parson or entity. Tlw persm or entity to whom we mate any such assigomant Shull be entitled to
all of our rights and/or obligations under d& AQeanatl, to the extent usigted.
dsat>oad tJaa of Yens Aeanat: You an liable for the tmaathoeW are of You' aoMML You should iarrdlaldy soft oa st MENA Amai
UT..asAadle 15021. 9Vlslattaa. DZ 1ld50. (Tdepboae 1.600-i<l2-aft cnily or it wridoa of dw loth. then. at paaabls tmuftriosed are of 1R
$000201,
e
t Mw Atbibadw prot+irbaa bebw M* b ym tdar you woo Pm in oammib b a ?? provisiow and yon did so rr*
tit" b **A& am you arm dot u0r lidpdos kwo by yon apiort a taprdiot d6 wmawd or this Apamoot rlol be btasgitt b a court boned i
do Star orDsk me.
oWm ar dirpato (" Cuff l b' ddtar Ym ar m apiod mo o&M ar rpka do mtpbyaaa. apob a asdw o[ des ofhw, wwos Dora t
A? to aM Apemost or aq piw Aptmmd or Fw seome (wbslbt usdw a ataMtb b 0=604 lstt, or aasrw 1 and wbaAer to
otaib or dm ratidi4? of a
Mkft In aw VA
monly.dimt+ sm A?fn or dedsaroe9 or a4aibbie tefisQ? athitrafas. "?Cbi4aP 6reedest nomias p k
mite Apaaotent ar a W? 'f a AO?a°oR rlolbt @Wv by bidios
Th4 a4itrWm dtrl bt oorsdootd by do Nsdood Asbitrafat Finatm (" NAn ader the Coda of Pmoo&m b eQmt at ar time dos claim is AM& Rules
asd how drat %Wmd Mbitntiao Foam vow be dAdm d dad C him ary bt dhd at mW NWo d Atbitratioa Foram afflm
l?maseaad SSWL tam l4W 474 =. V do NAF it oad& at nawddns In act as wWkdw, we any wtbrlbm
P o Boas 3819I. mbr>don drpoistiort that ems a duaw coda d poseur. At yaw wrllm trgpmp we .sill advance mmy
ad adva and batbsg &a %vM& yes ma m plead to pry b Puma tlim is abiandalL Mw mbitra/oe w M decide who wM bs
'tibldm aft 6% alfmarbre mpoaaWa tmr Fsi tboss tlba. la as.vast yet b. regttid b rdrabsae s for may st6ibatioa . adroisdrrtafve s barbs fees a
n
abbadom
sbaosrst peal,, fbrp * y-- mjecd jaW &W bad bale nr b Mb* aaddnw at do time flail. 2W
dNbkt fat laobtdm yaw tr bi0ioas_
1w" Y?w do Fed" A*ksdm A^ 9 U.='## 146
,Smmmt la M& Will pbw hasaedoo bvaMq fNt adds ooaa atcaq and ,hall M i ad?e?w far AM fbOdM mdadtti robfw low C'FAA7..Idsmant spm wy mbibseita mm d msy be aaMCrdbaq Court barbglrahdkdao` lair: >r ao r patq tags w to
to
the mdrd eaadrm is via des FAA and appibabb swd a otrad lions and doll banrr day clans or peavihp reseayiaed by
the sbftsmr dell write as GO" emraiaios the m mm fbr des ew"
mbil olics it bald by & Jay and so CWm may be b oddlit a s ebsa dense Of a a 0-ft smxscy vm=L You do oat bate des
NO d? ? m psBolimm as a modmt of a ohm of ehnna4 with respect b soy Claim. Ibis Asbitrntioa Sao" applies m all
rimm G1Ckib ad s a class --sor dtbattadvasaayamide b des liroea
a{ortrssnav bosiiatart a
no AeAmlon section ""pip e do wm aadm dy= seowmt vAdt m es wal a day wsimury psyaaat arch debt b fhl by yoo4 aW bmokngscy
byyoa astir attic debt by at
For d o prpoaes tittle AdhWO t Sa dm" andsol a[Mh eluded. dbmtaca. itsployrar. afaam ios a ktm o dFaedwwmm
_odp
rwr" `bad' faaF I bose6ts. rsevioss. or psodnort b eoanmdon wi6 t4a aeoatmt asebsdiog bat not seafasd b
on,& 16, 16 tmmbaam 0th! a00out my M& dw w bow mdw des sooamr. w d or vrtawat ammkos. aedk bwaaaos coagmies, debt
--L -UL ai d? otlbma. dbstaeb ao4latiaaa ? a0aa?3 ? ad °0y ? arils a tlidpatgr is aasasd bor yor as a m-datbsdss b day Cbim yets
aassta0?lmta. AiMhr?F dr?p ?? 'pea-yousf *A arm*anmvgd secil
isseladfn:bnt dot tided b al psssars or dadties omteretatib abtlgstnd a Ibo aoeouruad sl asehoriad wan artha aooormt:
it my part or fit Atiibsdan 3eedoa it late b be bt o" MwAr dbb or aeeoe ooadshm wigs dw FAA. des mmaider of this
Arbtuaafsa Saofas ahal be mtdsteaebb withosr wWd
TM RBSOLT OF TF11S ARBnsAMM Af$tBtibMT 13 THAT, W(CW AS PROVIDED ABOYB. CLAM CANNOT 88 LZMATED IN
COUjLT. DKUXNHG SOME CLAM THAT COULD HAVE BBffid TRMD BNORB A AAtY. AS CLASS ACnONS OR AS PRIVATB
ATTORMY O®i6RALACTION3.
pw{al t{.aws Tdb Apdmisst is made in Delawua a is gwmaed by do laws d do SUM of Dehwue. without mpd to its conflict of laws
prbeiple4 dad by day sppdaabb hdwai laws.
W MW pmt d ibis Apeasaeat is fond tabs bsvaK the and read w effective. Our Sdbue or delay in wwrdit may of our tights under dds Agroem of
does not mm that we an uaabb to wwrolm theses tight hru.
tljBNA Aswtaf is a fedmany rosbtand s e vtoa merit of MWA Amorwa Bart. NA.
0 2001 MWA Anwica Bards, N.A.
Prhetcy
At WNA. we as eommitbed to providinf you wilt the fee 6nsoeid products and services baW by eoodsteotly "Mueiihr service,
And while kftmdaa dtottt You is iimdsnmd to our abdiiy b do this„ we Idly noogdtsa tha irQartsreo dIMW ni pasoutil sod
aeecoot bhnwdos
To aft yeti the widest MP otprod" sad Awric a. MBNA ntay share io5or - about you both withi o MBNA and out" of
A with 04- empanies. This allows us Daft you produces gad a rdicce slut may ittterest you and bed meet year needs, whether,
tOW am available ditgdly A= b®NA or throngit cur mlatiom>tips with other ocmpatiea We want yon b uderatsnd ear atitommation
YAW iatbrnwhoo we cog=*, wisest Qxrpstien we dtarst sod the benetib you receive altar coo shag 906eatlmo about you.
This actice describes the Privacy practices of MEINA corporation and alt MBNA MMhft.lnchdgrg lldBNA Americo Bank N.A..
iA Amreks Womel N, . Pagmdim Trwd Swvi=% b c', MNAHAmm e?aSormsbfftv'"% bay
1tllirl . MWA M
Syahmt, b4 and b®NA AMency. 8uc. (colleobelm. "MNA`1 for ?aoial redoubled iarvioes ?oviaaed by the laws of
you, choose wbdher ar•
sot 11?NA ? iatreooadao giro etfber bMm ar oobWo of l ??oomomiea
to widria
Ora lroeedasgar bt?TA underdMds dies impo<hooa ofprobctntg end s i shummion and dog it Wpopiiatdy.
to yea. We md?n
ft fusel ofiofXUWda.
ties oo ? V
When IdBNA sherae kAurastlao about yon whh companies ou W& ofMBNA. we require them b hopesa saftsarett, an it only Los s
? purpaa, anti b repro t to us ere dedroy it aaca that Propose is ¦ m"& . Wes petit the Sommer of hi nodim Shared to "WIN
/?aaeot ooebhaiog gMM sogairamauls sed OhNV tg iolhums ion as we vmubL
MIMW dui We C sl* hMA cogaeft ad uses aoopsI - Parsasd idbnmdm about you, so ceaduct our Maas and to
ooaatelmdy datives the tnpmqudity CJNboma aarvta You =POCgvau rt Sources of dds i hrraadoo include the "owkw
Ia6oaadm woaeaaive *c a you oe apptiadoos Sod oibsr hmas err thserrdt year oorreeportdenoe err saaamrmiatioa w us
hole ft &m # due took bytdephm% or our the hmw& k
. i t ague loo we.oosive I[=*isd vardd& wait ascom mr reporting geodes, b reeiQ? etabemow yea'vs mods eo ut. or regardLrg
your aupto weal swift or other rdadeix W sad
. Lamnaioa dotd your trousecdane wdeh MIaIA ad with otter eompedes outride of UMNA.
intunwAn We Shure Wtlhta >ItIBRAo We nuydose d of dw mhvm mwo oolleot abets yeses with fimndd urvm conWWa
widdu ANA to afar sdtW od P or sarrioa dgt my * - - Yes and bed uvw your gedg. We bdim this d for
you and noW sacra yet bath tithe and mosey: To do Ph we sbarre idsolfficadon hd6rmsdon (prep as aunts and ddrars). traoaaties sod
Siam hdw=sdm (such ai porc mss and peymerm16 as& cHS&Ik iobrumaloo (setts as credit reports god ap gundowl mod
odar hshrmadea llbe decision b prrehw gay such products or services it yam done. You may bail us sat to shars aedi- diX% iqr
id6cmation about you widtia MMA. but please understand Us don act prohibit us tens offeriof YOBWd dOW proth" and tavicu
vc toms Asdog ummcdm and eokpecieace. ideoN&stioa, sad other htdrmstion within MBNA.
bdws stleo We Shm With Odws: Prom time to timy we rosy Am eougenies outride of MBNA to off w you their products god
swviaa that may'ushered y= lbaa products god services may be ofib - by fain" service providers (each as boots. loan brokers,
aooo" e®eptoet, hummoce scants, insurance compsaisk mortpge beolkers, and securities bwkw4=ta4 by oaaftakdal i
ccmpaoies (arch o ruins, direct k coamanicadow convenisk h amost service pwviderg, mardlepWaa, servbe coMpturie,
trsvd ggeobs, Orrin Bake, car rental ags"i'K hotels, whose, publisher% sod arga batioaa eadarsiq b®NA fiagndd products or
so vicmj, Mad otMrs (snot es acnprofit orgRbmdcas} Subjed to applicable kw, we may share an dw bmwro Lice we coged with twee
compaiet ourW& of MBNA, umtess you teal as rat to.
Additionally, we way share all the infatuation we collect with compacies that perform matstmg or other saviors on our behalf or to
other bneacial institutions with which we hma joint makaft agreements. We are also per nittedby law to share btforroadon about you
with other oompWdW ins oaMn dreumdartcm. For instsacs. we MOY share dl of the iofottaadon we collect with companies mawng us
in savietag your iaa or account, wilt cortupswes that cadent our pmducte god services tbmugb affinity egreew ate, with govamumt
entities in response to MOM= or regWMtory regrtiremeats, god with cons una reporting agencias. If you tell us cot to dare
information with companies outside of MBNA twat wish to offer you their products and services, as described above, please understand
that we will continue to share RrfOrtmuon in these additional ciroznstunces.
ds&astod to m vin6 Y'OW nude - and to iaspesvn6 Your choioa related to
Impertas Wormatba About Yoor Rake: We"" add 1?NA. and you my? ball us Oa a shm inhaeation with
You to By ell to not to &M credit *Xoghy Wxmdm sa?vicea as deaaribed above. if you Wmh a opt out otsu&
o d i& o WMM flat WLh to o1&r you thus p o&* Wgn*y and tha epeciSa accounts to wbkb the
ed p{esye can toll-hue 1-86&751.125& we wm tut you a vu* your a? or Taxpayer
M4 030003ord* (W
&XW
a
mbers
re?im?oambers and your
out ? so 1? ben mg YOUr Mm you c4
I&nd&odm mmber Aw depot
with others on OR account opts oat (for
laud. not by iadtvidual G1?aDomer. Whoa say PresO Zip ..
MMA, sppliae opt outs st the aaouut we we He the antis eoaoot as ltavmi opted out MBNA wM
a ? aoootmt holds. ar sudrorlasd oven if it becomes &&Wm ar it closed.
onntinta to were to its diseloesd Fwacy puticas for on SOM
aiti?ec within bIBW? =war wkh companies outside of MBNA. edw
AS opt OW AM h , lifing revoled in wd l?adatal nnqdre us to provide tide notice oa es aesiual busies, * or sot as
out inam et tYpa of man ' piaaa rsmeauba< when you receive our atbsequetut notices ehe
an accurst pravion?Y opted or ° or both MW oj ?°?on "VS (and not rooked in'vvrid* does not need to be opted
.out spda. "" r asdwon of iofannatim For
n Fmvj0 l notices frost ImNA about tbs pnvaop. >ewsitp,
and.reQ4oes the Intane? and a via+v the most roast vaaekao aslLis pdvaap
'lids rs;4.S M8NA-s pWv@Ypleas CMOs'* rasp have other pdI lxeWWO"s radar also laws We may
P a ?Cbr. °a et 0 Wgbaep NOt'OL* You as raquind by Iaw.
ofebsolP
noricers db p&?p Dodos It 2W timq, and wa e wM ill intterm you
•• Date 08/11/06 Account 74975482873449 Mode L ••Nxt +
,• • FICJJINFO1
CLIENT NO 001730 MBNA ACCT#74975482873449 BALANCE --$13,707.64
****** PRIMARY DEBTOR ***** C/O DATE 01/01/69 LSTPY DT 03/23/06
*M-ACCT-NO *M-REC-TYPE*M-CUST-TYPE*M-LAST-NAME
74975482873449 A I SWEENEY
*M-FIRST-NAME *M-ADDR-1 PTADDR-
BOBBY N 115 HILLDALE RD
*M-CITY *M-COUNTY *M-STATE*M-ZIP *M-HOME-PH
ETTERS PA 173199452 7179327765
*M-WORK-PH *M-DOB *M-POE-NAME
7179327765 08/24/66
*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
LMGR
*M-CO-RSN*M-ACCT-STATUS*M-INT-RATE*M-RECEIPT-DATE*M-CONTACT-DATE*M-CO-DATE
PAA 0000 08/09/06 01/24/06 01/01/69
*M-LAST-PYMT-DATE*M-CO-AMT *M-ASSOC-COST*M-ACCRUED-INT*M-CUR-BAL
03/23/06 $13,707.64 $.00 $.00 $13,707.64
*M-NET-PRIN *M-NET-COST *M-NET-INT *M-COMMENT-1 OM1234
$13,707.64 $.00 $.00
*M-COMMENT-2
000 20060809 0000120
*MODE L=LFT R=RGT W=WRP Next File
IJ
.?l
SHERIFF'S RETURN - NOT FOUND
CASE ,NO: '2006-06606 P
COMMONTWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
FIA CARD SERVICES NA
VS
SWEENEY BOBBY N
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
SWEENEY BOBBY N but was
unable to locate Him in his bailiwick. He therefore returns the
('()ARDT.A TATT' f_ TTnrr T('D
the within named DEFENDANT
, SWEENEY BOBBY N
, NOT FOUND , as to
813 HUMMEL AVENUE
LEMOYNE, PA 17043
DEFENDANT MOVED AND LEFT NO FORWARDING ADDRESS.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
18.00
13.20
5.00
10.00
.00
\o? 46.20
So answers-
R. Thomas Kline
Sheriff of Cumberland County
WOLPOFF & ABRAMSON
12/05/2006
Sworn and Subscribed to before
me this day of
A. D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENN'SYLVANJA
No. 06-6606-CIVIL
FIA CARD SERVICES, N.A.
FKA,1S4BNA AMERICA BANK, N.A.
Plaintiff
CIVIL ACTION - LAW
VS
BOBBY N SWEENEY
Defendant(s)
To the Prothonotary:
PRAECIPE TO REINSTATE
Kindly reinstate the complaint in the above-referenced matter.
Respectfully Submitted,
Date:
Wolpoff & Abramson, L.L.P.
Attorneys in the Practice ofDebt Collection
4660 Trindle Road, Suite 300
Camp Hill, PA 17011
Telephone: (717) 303-6700
Counsel for Plaintiff
1 17
Amy F. Doyle #87 62 / Dame 6
Philip C. Warholi #8
Tonilyn M. Chipp #87$52 /Sarah E. SCanter#94000
Robert N. Polas, Jr. #201259 /Ronald
W&A File ;x"O. 1.b4814666
O
P-41
"C V
r. r.?
SHERIFF'S RETURN - NOT FOUND
CASE NO: 2006-06606 P
COMMONTWEALTH 4F PENNSYLVANIA
COUNTY OF CUMBERLAND
FIA CARD SERVICES NA
VS
SWEENEY BOBBY N
R. Thomas Kline Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named DEFENDANT
SWEENEY BOBBY N but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT & NOTICE
the within named DEFENDANT , SWEENEY BOBBY N
220 HERMAN AVENUE
NOT FOUND , as to
LEMOYNE, PA 17043
DEFENDANT DOES NOT LIVE AT GIVEN ADDRESS.
Sheriff's Costs:
Docketing
Service
Not Found
Surcharge
So answers
18.00
13.44
5.00 R. Thomas T ine
10.00 Sheriff of Cumberland County
.00-
46.44 WOLPOFF & ABRAMSON
12/13/2007
Sworn and Subscribed to before
me this day of
A. D.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
FIA CARD SERVICES, N.A.
FKA, MBNA AMERICA BANK, N.A.
Plaintiff
VS
BOBBY N SWEENEY
Defendant(s)
No. 06-6606-CIVIL
CIVIL ACTION - LAW
PRAECIPE TO DISCONTINUE
To the Prothonotary:
Please mark the above-entitled case as discontinued without prejudice.
Respectfully Submitted,
Date: u
Doylp, /Philip C. Warholic #86341 /
R. all ay #8732 ilyn M. Chippie #87852 /
E. Eh asz ert 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. 164814666
co
_y Flo