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HomeMy WebLinkAbout96-02370 ~ J j ~ ~ f 1 ~\. ; :, .f, I. I i' ! I' \ in! . I,' .1.. ! ' '.'.,/. I \, , ~ J ~ ~~ \ ,,' r~ , , I I , I ,:~ ('I ,!Ij .~ , , , , l}~ , , I, ',D \ }- , ,I i .il "" ,I' Ii, " " " r: ,I , , ! :~' , rjl ~, I' " v Ii" .. .' ,,,,,~, , I I I , . , \q; ~. " ~ ;;) 'or")' .~ ;0'. .;-1) -Q'l.c-) , '.. ~ \ ' " ,::j I ..J ( t ...... 1-, " ...... I.' ~'<;, " ],<~ (, I....,~ r-., " . ".., "..... LI.. ~ " ... , ~<:"l iii (\~ "-> -< 1'\""", '-- ',--.../' M.:NE:1:':9, WAl,LAcr: Uc NURICj< 100 PINfI 'nl'IFffT .... U. .'l~ I "'" H^,"!115I1lUMQ. "A './101) " " " 'I: " , , PSECU. A true and correct copy of the Visa Agreement is attached hereto and made a part hereof as Exhibit "B". 5. Under the terms of the Visa Agr.eement and Loan Agreement (hereinafter collectively referred to as the "Agreements"), the Defendant agreed to pay PSECU "[iln equal installments not less frequently than monthly, with interest on unpaid balances" at a 12.9% annual rate. 6. Defendant has defaulted on her obligations under the , Agreements by failing to make the required monthly payments since April of 1995. 7. The total amount remaining due and owing to PSECU by Defendant as pursuant to the Agreements as of April 15, 1996, is Ten Thousand Six Hundred Seventy-Eight Dollars and Twenty-Nine Cents ($10,678.29), which includes principal in the amount of $10,637.90, interest in the amount of $40.39, plus attorney's fees. 8. The Agreements provide that in the event of default, Defendant shall be respollsible for the payment of attorney fees and collection costs in an amount equal to twenty (20%) percent of the outstanding loan balance. 9. By a demand letter dated April 10. 1996, from the undersigned, the Defendant was notified of her default under the Agreements and demanded payment thereunder, but Defendant has '. 2 - 'I , , , I" , , " , ' 'I I ~ I I 1 exhibit IIA" (' (' ,. . . Al'l'LlCATlOH AHO HOll P!ASONAL SfRYlCt LOAN 'GAUVINT ?n:1:- i 0". .IrY.! _._h . . 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MOUDT TO MY 110III THAN THIIIINIIIUII "" "MINT .;. .... ~..... . ....... ~ - --- -... .. ---......... --........... . -- -- -- -.. ........ I I \ I , PENNSYLVANIA STATE EMPLOYEES CREDIT UNION, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. CIVIL ACTION - LAW NO. STEPHANIB RUPP, Defendant ~OMPLAINT 1. Plaintiff, Pennsylvania State Employees Credit Union (hereinafter "PSECU"), is a Pennsylvania financial institution with its principal offices located at One Credit Union Place, Harrisburg, Pennsylvania 17110. 2. Defendant, Stephanie Rupp, is an adult individual whose last known address is 257 Walnut Bottom Road, Carlisle, Pennsylvania 17013. 3. On or about September 28, 1987, Defendant executed an Application and Note Personal Service Loan Application (the "Loan Agreement"), pursuant to which Defendant coul.d borrow monies in the nature of a revolving loan from PSECU. A true and correct copy of the Loan Agreement is attached hereto and made a part hereof as Exhibit "A". 4. On or about July 28, 1987, Defendant executed and delivered to PSECU a Visa Express Application (the "Visa Agreement"), pursuant to which Defendant could make purchases and cash advances in the form of an open ended credit line from PSECU. A true and correct copy of the visa Agreement is attached hereto and made a part hereof as Exhibit "B". 5. Under the terms of the Visa Agreement and Loan Agreement (hereinafter collectively referred to as the "Agreements"), the Defendant agreed to pay PSECU "[i]n equal installments not less frequently than monthly, with interest on unpaid balances" at a 12.9% annual rate. 6. Defendant has defaulted on her obligations under the Agreements by fai~ ing to make the required monthly payments since.' April of 1995. 7. The total amount remaining due and owing to PSECU by Defendant as pursuant to the Agreements as of April 15, 1996, is Ten Thousand six Hundred Seventy-Eight Dollars and Twenty-Nine Cents ($10,678.29), which includes principal in the amount of $10,637.90, interest in the amount of $40.39, plus attorney's fees. 8. The Agreements provide that in the event of default, Defendant shall be responsible for the payment of attorney fees and collection costs in an amount equal to twenty (20%) percent of the outstanding loan balance. 9. By a demand letter dated April 10, 1996, from the undersigned, the Defendant was notified of her default under the Agreements and demanded payment thereunder, but Defendant has - 2 - , ,,' " I I i Exhibit "A" I . . . I . '~l ~.' '(D orrcl UN (lOA' - ,... II/~ (Ill..' _ ~/' ..:: i"7" ,~ 1; ,,/ .:n " I .ft J"'" . .7_ '...T. \ . . .':I oJ- :.:-:r.l~, ',,' ,'- ~iD;}.\D 'WO '.J__. 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IIGN , HPR / ' ...to(7~__I..... 1"",,,'IfO"&O~' '''CO'N'' "..............1Mf". - 7i7fb1~/'!.~ . REQUEST fOR INITIAL ADVANCE fl' '!rjl" 11':- ,,_ Nl. IS _D _ _...... HI:II '11.110 CUI ,..s _'0' 'lOU~ C"'Do' ...., -. III__D IV' -...... _.i.i! ,~ _ UlO'" . ~ICllII" IIIU11t1'''ID II . ,'1I~ "III """~.... ""........~. ..... -....e....,.,. ,...w \IJ"CI"'''' 1lI..""'.,.....~~.1 ~ Jt. 9" I ~~ ' I A _._...-U. _~, ...4 ~A.. .4f6g; .....~It--A .Ar ~~ . _ J ......... II....................... ..-cUi........ ---...-..,............... ... -...... ,......... "... ... ....... ""'-... ~ .. .. ..... __ ... N ....... flIOUUT TO MY 110M THAN THI ....IIIUII ..... M't1llHT . ........... . ---..... -...... - ... .. --....... .... ---... .-- ~ .~ I I bee: John Bucher laC: 358 April 10, 1996 Stephanle Rupp 257 Walnut Bottom Roa~ carUl1e, PA 17013 Re: PA state Employees Credit Unton v. Stephanie Rupp Our File No. 15933-0096 Dear Me. Rupp: Thi. offi08 represents Pennsylvania state Employee. Credtt Union ("PSECU") to which you are in~ebte~ the BUID of $11,0:"'.96. PSlCO h.. notified you of your obligation to pay and your pay.ant i. now long pa.t due. Therefore, PS!CO in.t.t. upon payaent in full within the next ten (10) daYB. If payment 1. not ..de within th.t time, PSECU shall have no alt.rnative but to inatitute lag.l proceeding. against you without further notie.. All oourt co.t. which are incurred 1n conneotion with legal proc..dings will have to be paid by you and will, aocordingly, incr.... your obligation. Unless you dispute the validity of thle debt, or any portion thereof, within ten (10) day. of your receipt at. this notice, your debt will be assumed to be valid. If you notify us within that ten-day period that you dispute the debt, we will obt.in and ..nd you a verification at the debt. Thi. letter is tor the purpoae of oollecting a debt. Any information obtained will be ua.d only for oollecting the ~ebt. To ..ke arranq...nte to pay thls account, you .hould contaot .. dil'eotly at the a~dl'e.. or phone nwaber not.d above. 'lou shall not reoelve any fUl'ther notice with I'espect to thi. ..tter. very truly your., MoNBI8 WALLACE I I'lURICl't By Brett D. Davis 8f\",."'A