Atlantic Credit & Finance, Inc. v. List

24 Pa. D. & C.5th 401
CourtPennsylvania Court of Common Pleas, Lawrence County
DecidedMay 3, 2011
DocketNo. 10387 of 2008, C.A.
StatusPublished

This text of 24 Pa. D. & C.5th 401 (Atlantic Credit & Finance, Inc. v. List) is published on Counsel Stack Legal Research, covering Pennsylvania Court of Common Pleas, Lawrence County primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Atlantic Credit & Finance, Inc. v. List, 24 Pa. D. & C.5th 401 (Pa. Super. Ct. 2011).

Opinion

PICCIONE J.,

Before this court for disposition are preliminary objections filed on behalf of defendant Robert P. List (hereinafter, “defendant”). The current action was commenced on March 5, 2008, when plaintiff Atlantic Credit & Finance, Inc. (hereinafter, “plaintiff’) filed its initial complaint, alleging default by defendant on credit card debt. Attached to the initial complaint is an affidavit indicating that defendant defaulted on a Household Bank account which was charged off on January 31,2007 and subsequently sold to plaintiff with a balance of $3,531.33.

On April 2, 2008, defendant filed his first set of preliminary objections. Plaintiff responded by filing an amended complaint with the same affidavit and a brief account statement attached. In the amended complaint, plaintiff alleges that defendant accumulated a $3,531.33 balance by accepting and using a credit card issued to defendant by plaintiff’s predecessor in interest. Plaintiff further alleges that it has made a demand upon defendant for payment but defendant has failed to pay any part of the remaining $3,531.33 balance. On May 19,2008, defendant filed the instant set of preliminary objections.

No further action was taken in this matter until August 10, 2010, when a notice of proposed termination of court cases was sentto both parties. OnAugust, 25,2010, plaintiff filed a praecipe for argument on defendant’s preliminary objections to the amended complaint. Oral argument in this matter was subsequently scheduled for and held on March [403]*40328, 2010. Prior to oral argument, counsel for defendant filed a Petition to Withdraw as counsel on the grounds that the petitioner has had no contact with defendant and has not been requested to continue his representation of defendant. Defense counsel did not appear at oral argument, and defendant represented himself at that proceeding.

During the argument, the parties addressed defendant’s preliminary objections as well as the lack of activity in this matter between May 19, 2008 and August 10, 2010. Plaintiff argues that, based on the local rules, it was defendant’s responsibility to request scheduling of oral argument on his preliminary objections. Plaintiff requests that defendant be penalized for the two year delay. With respect to the preliminary objections, defendant asserts that the amended complaint is insufficiently specific and fails to conform to law or rule of court.

Initially, the court notes that neither defendant nor his attorney should be penalized for the two year delay in moving this matter forward. Rule 211 of the Lawrence County Local Rules of court provides that, upon filing a motion, the moving party shall file a praecipe for argument or praecipe for disposition on written briefs. L211 (b)(2) (i), (iv). However, Rule 211 also permits the non-moving party to file a praecipe for argument within 10 days of being served with the motion if the moving party fails to file a praecipe for argument. L211 (b)(2)(h). If plaintiff desired to move this case forward, plaintiff could have filed a praecipe for argument ten days after it received defendant’s preliminary objections on May 19, 2008. Plaintiff chose not to do so until August 10, 2010, when it [404]*404was threatened with termination of the case. As a result, plaintiff shares the responsibility for the delay in this matter. It is well-settled that “the application, construction and interpretation of a local rule of court are matters primarily to be determined by the court promulgating the local rule[.]” Patitucci v. Laverty, 576 A.2d 992, 998 (Pa. Super. 1990). The court concludes that the delay did not constitute such an egregious violation of the local rules to warrant sanctions.

In defendant’s first preliminary objection, defendant argues that plaintiff’s amended complaint is insufficiently specific. Pa.R.C.P. 1028(a)(3). “The pertinent question under Rule 1028(a)(3) is ‘whether the complaint is sufficiently clear to enable the defendant to prepare his defense,’ or ‘whether the plaintiff’s complaint informs the defendant with accuracy and completeness of the specific basis on which recovery is sought so that he may know without question upon what grounds to make his defense. ’ ” Rambo v. Greene, 906 A.2d 1232, 1236 (Pa. Super. 2006) (citing Ammlung v. City of Chester, 302 A.2d 491, 498 n. 36 (Pa. Super. 1973)). Rule 1019 of the Pennsylvania Rules of Civil Procedure requires that “[t]he material facts on which a cause of action or defense is based shall be stated in a concise and summary form” and that “[a] verments of time, place and items of special damage shall be specifically stated.” Pa.R.C.P. 1019(a), (f).

Defendant claims that plaintiff’s amended complaint fails to allege the date that defendant entered into a contract with plaintiff’s predecessor, the date the credit card was issued to defendant, the dates that defendant [405]*405utilized the credit card, and the terms of the contract to which defendant allegedly agreed. Defendant is correct that none of this information appears on or is attached to the amended complaint, but not all of this information is required. At a minimum, however, plaintiff must allege the date at which the account became delinquent. American Express Centurion v. Decker, 9 Pa. D. & C.5th 299 (C.P. Centre 2009). Plaintiff must also attach a copy of a detailed statement of account setting forth the dates and the amounts of the transactions made by defendant. Commonwealth Financial Systems v. Hartzell, 17 Pa. D. & C.5th 176 (C.P. Lawrence 2010). “A defendant is entitled to know the dates on which individual transactions were made, the amounts therefore and the items purchased to be able to answer intelligently and determine what items he can admit and what he must contest.” Remit Corporation v. Miller, 5 Pa. D. & C.5th 43, 48 (C.P. Centre 2008); Marine Bank v. Orlando, 25 Pa. D. & C.3d 264 (C.P. Erie 1982). Because plaintiff has not provided this information, defendant cannot adequately respond to plaintiff’s allegations and prepare a defense. Therefore, defendant’s first preliminary objection must be sustained.

In his second preliminary objection, defendant asserts that the amended complaint fails to conform to law or rule of court in that a copy of the agreement upon which plaintiff’s claim is based is not attached to the amended complaint. Pa.R.C.P. 1028(a)(2). Rule 1019 of the Pennsylvania Rules of Civil Procedure states that “[w] hen any claim or defense is based upon an agreement, the pleading shall state specifically if the agreement is [406]*406oral or written.” Pa.R.C.P. 1019(h). Rule 1019 further provides that “[w]hen any claim or defense is based upon a writing, the pleader shall attach a copy of the writing, or the material part thereof, but if the writing or copy is not accessible to the pleader, it is sufficient so to state, together with the reason, and to set forth the substance in writing.” Pa.R.C.P. 1019(i). In the context of a debt collection action against a credit card holder, it is generally required that the cardholder agreement and statement of account be produced to establish a right to judgment. Atlantic Credit and Finance, Inc. v. Giuliana,

Related

Patitucci v. Laverty
576 A.2d 992 (Supreme Court of Pennsylvania, 1990)
Ammlung v. Platt
302 A.2d 491 (Superior Court of Pennsylvania, 1973)
Atlantic Credit & Finance, Inc. v. Giuliana
829 A.2d 340 (Superior Court of Pennsylvania, 2003)
Rambo v. Greene
906 A.2d 1232 (Superior Court of Pennsylvania, 2006)
Remit Corp. v. Miller
5 Pa. D. & C.5th 43 (Centre County Court of Common Pleas, 2008)
American Express Centurion v. Decker
9 Pa. D. & C.5th 299 (Centre County Court of Common Pleas, 2009)
Marine Bank v. Orlando
25 Pa. D. & C.3d 264 (Erie County Court Common Pleas, 1982)
Commonwealth Financial Systems v. Hartzell
17 Pa. D. & C.5th 176 (Lawrence County Court of Common Pleas, 2010)

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Bluebook (online)
24 Pa. D. & C.5th 401, Counsel Stack Legal Research, https://law.counselstack.com/opinion/atlantic-credit-finance-inc-v-list-pactcompllawren-2011.