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HomeMy WebLinkAbout97-00678 \. \I ~ 6 ~ ~ .~ ~ ~ -\.. ~. ~~ u '-IN ~ \J "'IE ;)...",.~ ~ It Q,........ ~ ~ UJ ~ ~f ~C>f. V) () ( ~ l~ :-- I ~ , .~ ... 1<:) 0..., t-- ~/ . t--. ().... . ~ \ \ -~ '" " ~ / STATE EMPLOYEES CREDIT UNION OF MARYLAND, INC. 850) LaSalle Road Towson, MD 21204-9990 IN TIlE COURT OF COllMON PL&AS OF cmlBERUND COUNTY, PEfoINSYLVAllIA NO, ~~678 CIVIL 19 v. REBECCA CASPER 17 W. Promrret Avenue, Apt. 12 Carl1sle, PA 1701) RULE 1312-1. The Petiti~n for Appointment of Arbitrators shall be substant~ally in the following form: P~TI7!ON FOR APPOINTI1ENT OF ARBITRATORS TO THE HONORABLE, THE JUDGES OF SAID COURT: J. Soott Watson, ESQu1re . counsel for the plaintifr/~ in the above l. 2. action (or actions), respectfully represents that: The above-captioned action (or actions) is (are) at issue. The claim of the plaintiff in the action is S 14,319.10 The counterclaic of the defendant in the action is The follOWing attorneys are ~nterested in the wise disqualified to sit as arbitrators: cose(s) as counselor are other- J. Soott Watson, Esqu1re and W1111am C. Vohs, ESQu1re WHERErORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to whom the case shall be submitted. u11 eva. oott Watson, Esqu1re ORDER OF COURT AND NOW, CliA./Y ;'5 , 19.!lL., in consideration of the foregoing petition, 'K.,' cJvqfl-J {fe.bJ1tdT Esq., j)//tNJ. KAtLd,'If!' Esq., and . nA V/ d sf ON L ,Esq., are appointed arbitrators in the I above-captioned action (or actions) as prayed for. J~e;;:r~~ P. J. ("') .- ~.y I'~l,' _I" I ,#'" t:3' ,- ,... .' ;D -.I ~= I~~ ;, " I.,; r:- '0 o -n " I ~n , 1 :.~ 'J '10 , ' I~J ;:i i .'1.) ,jlll ,--< .... ", ....; f') (..' I -- -.' ;;! '::l (,) 0 :;: " .~ 10 ''': ..... 0 l' ~ ~~ :: ~ -,' ~ c:: "I ~ () ,- .,:'] ,- Q c.. :111 "- ;l} ~ (f! .." ',ej "'j ..., ) ~, ~ ~'.) '..\.) '< ,.,31''1 ~ ...., " -: (,.) :":3 --t- -~ J. SCOTT WATSON, P.C. Identification Number 41060 30 Regency Plaza Glen Mills, Pennsylvania 19342 (610) 358-9600 Attorney for Plaintiff STATE EMPLOYEES CREDIT UNION OF MARYLAND, INC. 8503 LaSalle Road Towson, MD 21204-9990 CUMBERLAND COUNTY COURT OF COMMON PLEAS v. , 'T- ." .. ' ../..A.,h..... no(.' '7 '1- (, '/ J t:.wJ REBECCA CASPER 17 W. Promfret Avenue, Apt. 12 Carlisle, PA 17013 COMPLAINT IN CIVIL ACTION 1. Plaintiff, State Employees Credit Union of Maryland, Inc., is a corporation organized and existing under the laws of the State of Maryland, located at 8503 LaSalle Road, Towson, Maryland 21204-9990. 2. Defendant, Rebecca Casper, is an individual and citizen of the Commonwealth of Pennsylvania, residing at 17 W. Promfret Avenue, Apt. 12, Carlisle, Pennsylvania 17013. 3. At the special instance and request of Defendant, Defendant did execute a Credit Plan Application, pursuant to which t~e Defendant agreed to repay the Plaintiff for monies advanced, plus interest, In return, the Plaintiff agreed to provide the Defendant with a loan. A copy of said Credit Plan Application is attached hereto, made a part hereof, and marked Exhibit A. There is an outstanding balance on said loan in the amount of $4,148.58. 4. Defendant is also liable for interest charges at the rate of 15.00% per annum from July 22, 1984. Interest amounts to $7,784.00. , ~ . . OFFICE USE ONLY STATE EMPLOYEES CREDIT UNION OF MD,. INo(;k- XCREDIT PLAN 6503 La Salle Road, Towson, Maryland 2!2~'hJ-l: 17'" APPLICATION V/ prRSONM C! pnrHfUlEO lJ INSUltE 0 RHUSEO :31 ~ t: L TELLEn INITIALS - CHECK NO ,? (,,'_1\<; "":":~::'''r!l/F3 ,7::. ,rfl;; "ill i) '!5':7fz,"7 ::~:,.~ '''''h1/),f/;/'t ::.:::-4 ;, ft(,p);~, AmOUfll 01 11'111011 AllII'lRtf /, OOa 0 Pu/puw, nlllm liMn rfiLs CO--\ ",~,l1/' I "C Q~,,-Q "'''''ILI r {\ J U(lV' \l:>r, :';,::."'.' ~~'L C', Yfii// L,::".'H , !;-);'_. . m I{f, ;~',~';,,~':"~n ;"rA' ;t;.lrJqj,.~;:J.A/' c~-L r ,;,::,,,..,(,} f)-{lf-f1,";J ,," 'p"";..,, )1 < < .. <<, ::;":~::.:~" S_~f)r-;. 00 ( ( )tj.: ';':;::~. :~::,':":,:: ::','.:'::'.~'.~~:;';,' u ')t.:skru f.) 'tLW 6,~I^I"- -r-,;? ~-' ~,;';';~:,I ":,::~~:':;':""_ :':'.,;;'.:',":.., ,m ~ ~~~~,i;O.:'''jI r:'l ~~r.'i-..l'tif:~_JJ:~i :':1.,,),: ~'O"f'''0t.41 'nil'> L'~'I:"I'..nlL."~~';:tf'U' ~~'~'\ ~1l.~~~";....,,tll1s40 (....CO "":::,~;::.... C-::J(ln-~....u_.:i8;f::.CJ-:T4 IU'" :,~~,.;.~".. 'If) -lM.f.r (1n,,~r:-I(() '"'~',,'.~;,:~''''' ~BrrP.H{.? ~:~:~:'::',"'>'7A~, ( - ,'\..{\ NlyJ ....", '" .."'..,)/, .' . ""M"" "",",\,_1111 , ".',1'" ., : III ,~ . "fan" w" _, &'..l,n. "ll....'H..?",.:!./' ... ~ '...'-'1'11 II, Ilf,:) n (~, f"l~. _ S '.,...-.UT'J.OO' ,^", Chfi l li L. ".. ,,,~', Au,O"'" .......11.: ,,,.It'lOlIa.. ....0......''', -\1 .. .,):' "' ~ n (' n'C r;o,,'J .,.... 1/7 (I a..t.jJt'u,:J' Dr, .." r:rtf,4/', ::.:r J....:'v\ "O"'~O~I.\I.~"(J"I1:5/-(q~~ ~ ..... mrf '.~'l1~1 ......1. ,;. ""&"'''' ...c..",,",,- 1.../. "0' ..,.,..,...."".0'" AL.lf"lO'll' (."LoP 5UPPO';' aI' SLP"'l41E .....n..tt:~...,lc:r:: I"OCOMC '''((".0 NOT ur: ,>Q.rfALEO I" 'OU 00 'lOT "'151l TO ..AvE: IT CONSIDCJ.lCO ''''' "".....t.lG OU'~ ('II :eIT l.ll:CISION ""'1"''''0'''1 ....,: . 0 L. .. C f ' -~ ' :I'::~;,: S Ll,,,,II'''CO'''' -,/11: ~ou.u (~, :~~::'Il S I, .... 01 '''1 U'O" '''CO'''' ~hl l' '0 '" ""1HJttO o.l" ... ~ ~ 0.. II..., I U '" '..1 ..,., .... Q .1"'.'" 11' .l S. I'PL'U" ... r:ll.ll-- 0" .. ~I"...'l ".Ill" . YES NO LIS' ,n:l.-ol"o .iL.L .,.,.51.LL."II[,...' or oil!!. IINCLUL'.'l(. -="I.~:l! '::A"OSI ~Oll "".OCtt vou AI-U: IN ANV #lAY RESPONSIBLEl ',I" r" "lIP 'Q-=",UO"'tl ,....... ..." .CD"'~~' 1l1l11OHI.l II.'. ,,,,1111'''' II.\., ...O..,,,\.,~..., ~.S, toUI' ""0"' ~.lol JII IIl'd' k~ Iii h14JS I':l {.... I'; {;Jf11 l?r'N/ Cn.lll- r.:;:I\.-lit0. , ,/)0,0. t;i) ~~~- ....od~ I~VI 'V....v ~,l...J ....... ](...U ."''''AOII'LI .......C1..,~: , .~, ~ '- l"ll'T \<lnr1(l ) -,,'1='1-1,1"\ (, "c:-,n) (~;kY..{..l..A +n "t;'( . L t'>I~, YES VNO '0. .....0...; ...,.Hlk'.......~.",." --- /" I..A...OUfI....:l((..1I10 ~_~"['II'OI"".I\ClVI'll"O..,IOI...I'\,IlL 1,;,,-I'AI'..', ..A'..... .O'~. 'YES I/'NO ~......OJP, ,.. 1"1 L.'II' 14 "."'11' l-_";YES :_VNO OI'ULS 0". "I~A..H SHII', THE UNDERSIGNED. HAVING APPLIED TO THE STATE EMPLOYEES CREDIT UNION FOR A CREDIT PLAN ACCOUNT. FOR THE PURPOSE OF SHOWING HIS OR HER ABILITY TO REPAY THE SAME: AND INDUCING SUCH CREDIT UNION TO AP~P~ROVE SUCH CREDIT, 00 HEREBY CERTIFY, REPRESENT AND WARRANT THAT THE ABOVE IS A FULL. COMPLETE AND CORRECT STATEMENT OF A 0 BT$ AND LIABILITIES AS OF THIS DATE AND THAT ALL INFORMATION GIVEN IN THIS APPLICATION 15 TRUEANDCORRECTTOn-lE B ~j WLEOGEOF. EUNDERSIGNED. DA TE ~W'TNESS Cn l j' -W:,,~,:!~l~ APPLICANT ..,,~":, A ~ . / (SEALI I,.tl" '-...... '; I~' II ".., ,nu.. ~ '1.....,.. ,..'~,J""..,'t '-, .......'" ,", .... '; A" 'l" ,C" '-.:J. ~ I . .... .Il~ L '0"'''0'''1.. Plene 00 NOI Wrile In This Block MAXIMUM CREOIT CRE~OMMITTEE ACTION !3APPROVEO SUBJECT TO, o O'SAPPROVEOIREASON. OR, 1. 'I~ :: f 4~,,)~ tJ; /...J.d If ~i :?.. <!)'5? 2 3 ~ % ~ % D.lll! Amount IrHllal, I-- I .5 j"I>I-; l- . )II,~ n.'") OATE. BV Ctt.um. ~Ldin Olllcer Bv By' Il..- . .. . ",' " - ~, '11 ~: Ir f: ''''1'' _C;'; i I. ~... r ",..., 'T . :'~, t. ~ ~ h~ .. ..'......', . ...',...,...... .... ..... ........_.., "or ,,,~ ...'....,. _.....,1 ,,,.. n.... "y.,_... Schedule ,nd Disclosure Statement being incorporated herein ref.rance and made a plrt hereof) or 'I such 'Ite II the Credit Unian hi' sp.tifi.d punu.nt to paraQr.ph 3 belOW,lllClpl whrre the applicant hasllected to mike Ilrget pavmenu, Repayment of the ~y.nces is 10 be made in bi.weekly Installments !heremafler tilled "inst.llmenu"l end shall be in such minimum .mounts IS sel forth In the Repavment Schedule and Disclosure Statement or in such minimum .mouRn IPfcified by the Credit Union punuant to par.grlph 3 below except where the appliClnl h81 elected to mlkel,rver paymenu. The mllallmenlS shall commence within 30 days of any advance hereunder and shall caRlinue thereafter in conp!cutive bi.weekly installments of the same amount until ell the Idvances with accrued interest thereon are paid in tull. Such instlllmenn shill be made by payroll deduction, when available. tram the wages. yl.ry or pension at the applicant who hereby grlnts authority to the State at Mlryland or other employer agency to make such payroll deduc. tions, In the event that the applicant does not receive a pension or payroll check tram the State of Maryland or other employer 8gencv lor any period while still in its.mploy, the .pplicant agrees to remit payments to the attice of the Credit Union, The applicant further 8grees that any sum included In the tinal payroll deduction or payment which is in excelS at all principeland inlerest due lhlll be credited to the 8pplicant's share .ccaunt with the Credit Union, E.ch payment receiwd sh.1I be applied first to interest then due and the remainder to unpaid principal. Any Idvance made hereunder after the Inilial adVlnce shall have the effect of a new loan consoHdating the OM ad. vance with 1he unpaid princip81 balance of any and all previous advances, 3, The Credit Union may revise or vary the terms and conditions of this agreement to the extent allowed by law, including but not limited to the increase or decrease of the Caily Periodic Rate .ncssed upon the unpaid balances and/or future advances at the Credit Union's option by giving written notice as requited under the Truth In Lending Simplification and Reform Act .nd Regulation Z, 4, Upon default in making any installment (when and IS the same is due and payllble) or, upon defeult in the observance or performance ot any term, condition or Igreement herein contained, or, if any information or signature furnished by the applicant shall be false or misleading in any material respect, or, if the IPphcant's employment with the State of Maryland is terminated, or, if the Credit Union deems illelf inlllcure, or, upon the applic.nt's delth, inca. pacity, or insolvencv or the appointment of a re~lver for any part at the applicant's property, or, the applicant's making of any assignment tor the benefil of credilors or the commencement of bankruptcy proceedings by or agalnSl the applicant. or, upon the placemenl or issuance of anv levy, lien, Writ of garnishment, writ of Inachment, writ at execution or similar process agalftu the eppllcant or any of the applicant's property. then. upon the occur, rence aI, or at any time dunng the continuance of anyone or more of such events, oM lhe Credit Union'sopllon, this agreement shall be terminated and the enllre unpaid b.llnce of any and all advanCfs made hereunderlogether wnh allacerued intereU thereon shall become Immediately due arid payable WIthout nOllce or demard. 5, As security for the payment of .11 01 the applicant's obligations here- under, the applicant hereby grants a lien upon and a security interest in any shares and deposill now or herealter in lhe Crl!'l;M Union's possession or under ill control, on deposit or otherwise to the credl1 at, or belonging to the appli- cant, including but not limited to, the opplicanl's present and future shares ancjJor deposits in the Credit Union, and p'VlTk'nt on shares of the Credit WITNESS my hand and seal the day, year and month below written, DATE ;;::,\,....1 <./t;2., WITNESS C'tG~,J(l0t~ ~ Ignatu~._ : ._1 " t. " . p :: ~~ ,:. I,'';' .. , ' .. " , " "hen h..:eived Dy ,ne \.UllJli UnnJn. .'n 11'-" u, 11,;1",,, till'''', .....,..." ,... .... rights of Ihe Crt'dit Union or 1he obligations of the applicant with respect 10 advanc" then outstlnding. 8, The applicant tnIV prepay the unpaid balance at all advances In whole at any timo or in part from lime to time, but ony partial prepayment shan not affecl the applicant's obligation to continue to pay therealter the same bl. weekly inuallmenll which the applicant was required to pay immedialely prior to the time of such partial prepaymenl, 9. This agreement is to remain in lull force and effect for two (21 years from the dale hereo' am atlhe opllon of Ihe Credit Union may be renMed for succenive periods 0' two 121 years upon delermination at financial accep- tability by the Credit Committee or loan ollicer and the undersigned egrees to furnish said commillee or loan officer with such inlormation regarding lhe financial condition as they or he may deem necessary to make such determina- tion, This provision shall, howev':', not atfectthe undersigned's obligation to repay all sums borrowtd together with intereU, THE APPLICANT SHALL IMMEDIATELY DELIVER WRITTEN NOTICE TO THE CREDIT UNION OF ANY CHANGE OF ADDRESS, 10, The applicant hereby authorizes Bnd empowers the Credit Union to submit any payroll deduction order to the State of Maryland or other employer agency tor the deduction from the IPphcant'1 wages and salary at any or all of the installments or ot other obligations and liabilities hereunder of the applicant and aulhorizes the State of Maryland or other employer agency to honor said payroll deductions, 11. This agreemenl shall be governed and construed 1ft accordance with the laws of the State 01 Maryland. If any clause or paragraph of thiS agreement Shall be held invalid, such ,"validity shall not affect the remainder of this agreement. 12. The waiver or Indulgence by the Credit Union 01 any default hereunder shall not operate as a waiver or indulgence of any other delault or of the same default on a future occasion, This agreement is not assignable by the applicant. All rights at the Credit Union shall inuut to the benefit at iu successors and assignees and all obligationS ot the applicant and/or the co,applicant shall bind the heirs, executors, personal representalives and admiOlurators of the appli. cant and/or Ihe co-applicant. 13, The undetslgned hereby acknowledges receipt 01 the Truth In Lending Stalpmen1 pursuant to RegulatIOn Z and Billing RighU Statement, including a copy of the repayment schedule prior to the execution of this agreement and acknowledges reading and understanding the agreement and agrees to all the terms and condillons rherein, 14, Advances may also be made through aulomalic leller machines or other mechanICal or electrOniC machines, deVIces or lerminals and in such a case the use by the undersigned applicant ot a personal identificat,on number assigned for such purpose IS mUluallv agreed to constitute the signature of the under. signed applicant for purposes of reQuelllng such advance, 15. The Credit Union may Ireal a share draft that exceeds the fully paid and collected balance in the applicant's share draft account as a request to the Credit Union for an advance (In multiples of 5100,OOllrom the applicant's loan account provided he is eligible, whelher now exiUlng or hereafler ac. Quired, suffIcient to pet'mit the Credit Union to pay such share draft andcredit the loan advance to Ihe applicant's share draft account. The Credit UnIon shall consider an amounl of less than 5100.00 avaIlable on this loan account as insuffIcient funds for transter and payment 01 such share draft, APPLICANT QLrt",L'r.i.f..,( Signature (SEALI \ CREDIT PLAN ACCOUNT REPAYMENT SCHEDULE. AND TRUTH IN LENDING DISCLOSURES U..I.. . C..d,' P'.n ,\ceunn', ,"" ,h. C","" Un",n has """""", Vou' """. "pp,,,..,on, ,h. C..d" Unoon m.v p..m" vou'o ob..,n "",,,nm loom .,m.'o "~me un.." ,he C,,<ll, PI.n Aceoun' A,,,emen' bV ,"up'" .ppl"."nn 1m ,h. "",,,nc...nd ,pplO'" 01 ..m.. Vou plOm". '0 .epay '0 'h. C.ed" Un,"n.II mon.v 'o.n''" '0 Vou und.. ,h.. pl.n plu." FINANCE CHARGE "n"..'" Th. FINANCE CHARGE.. ,he 'n...." vou "'V lor monev vou bOH""'. For ..ch day .,nee (our ,,,' paymcn., 'h. unp.,d h,'.nc. 01 vou, 'can ., mull,p'n" hv "," d."v ,,,,,n,d'c ...., The .um ol'hOl' .moun"" .h. FINANCE CHARGE vou ""'. at 'h. ...n. 01 Vour ",vm.n., Th.h.I,nc. u'OlI'o compu'.'he F\NANCE CHARGE.. ,h. ",u.1 b",nee m ,he .<<oun' each day ,Iter p.vmen".1'd cred'" h.... been ,u". "",,,\ .nd "",v.nCCl.nd o.her ch"o.,Il.v. he.n added. Nu FINANCE CHARGE ",mpo,"" ..h.n ,h..." no h,l.nc. ou,,,,nd,ng. Wh.n VOU m...' ",vmen., vou dyod any lurther FINANCE CHARGE un IhJ' amount bv which lhl! IUlIlctpal "'f'1.lucr.d, Th. pc"ud,c rat. u'OlI '0 compule .he FINANCE CHARGE.. .04\006';, 1''' day un ,h. unp." b.l.nc. "nee vour moll .mn' "",v.nc. 0< paymen.. Th"" ,n ANNUAL PERCENTAGE RATEol 15"; per v.ar, Th....'. no 0""" ch",", Vuu' m,,,,mum paym.n. ,. <OItUlatOlI ."er .ach ,dv.nce ,",,,,,,bed be''''''. Vou ..'" ,I..ay' have ,he pHv,I.9. 01 payong VOU, "',,' un""d b,l.nc. on lull or ,n 1"". Vnu on.V choo..'o p,v h,gh.r paym.n" .han ,h. m,nomum ",vmen", Th.r... no pen.llv lor p"paymen., Pavmcn" ... du. h'....."V, mon'h'v"' ..m,.mon'h1v mo. dong '0 vour pav.oII d.du<loon, ,I vou ar. 'ub,." '0 "avroll deduct,on, and a pavm.n. ..,II b. du. .v.rv con'.Cu"v. pay ,.."oel'h....".r un'" ,h. lull "muun' 01 ,,,,n,,pa' ,nd ,n'."" h81 b..n pa"', In ,he .v.n,'h" vou," no,.ub,." '0 payroll deduction, then the pay menU wllI be due monthly hom lho dati! of car.;h advance, Th. m,n,mum "aVmen' due on vuu, account "d.",m,n"" hV ,he amuun' ul Vour unp.d h,lanc. on .he dol. ol.h. mOil .mn. adv,nc. on vour .ctoun.. Th. mInImum paymenl due is shown bv the following schedule. ollccpl WIWfC a smaller ~)ilymenl Will reduce your balance to lero. Total Minimum p.yment P., $100 Unpad B.llnc' Weekly Bi,Wnkly Slml.Monthly $ 50' $2500 $1.10 52,24 52,(0 5 1, 3501 ' 4000 MonthlY $<1,84 ,80 1,60 1,73 3,47 Vour paym.nll..,1I b. apph.d .n .h.lollo..,,,,, oni.' '0 .nv ol.h... co... vou 0".' Allom."'..., coll.cllon co..., I..e charge., lInanc. charg.., un""d bal.nee du., Anv unp"d pari ol.h. FINANCE CHARGE ...11 he p"d bV '''.r pavm.n" ,nd ..,II no' b. ""doll 10 VOU, unpad h.l.n.., Vou pledg. II ..curilv lor ..hll vou 0". ,nd g,ve . ,ecurilV In"'." in, all pr.,.n. ,nd 101U" .har.' ,nd/or depo"lI ,n Vour Ind,vdoal and jo,nl accounll, The Cr""iI Union h8l.h. ,,,h' 10 applv all vour p"lOn. .nd Iulure ,h.... andlor depoll11 ."",ard' .h. ,moun' VOU o..e .1 Vou a.. ,n del,oll, Share' ,nd/or depo"1I In ,n Ind,vdu.1 AII"em..' Accounl, Keogh Plan Account or All Savers Ceflilical~ ar~ not ,OOlectto any righl of ,~tolf or 10 your pledge of shales and/or deposits, Vou ..III be ,n d.I,ull ,I vou 1,,1'0 ma.. a m...,mom p'vm.n. ..hen du.. Vou ..,II he on delaoll .1 Vou br..k ,nv proml.. VOU h,v' m"'" und.. .hl. P'.n oranv o.her agreem.n. in conn.,,'on ..,.h an "",v,nce. Vou ..,II ,I", b. ,n d.l.ull .1 vou become ,",olven', dec'are b.n.ruptcv or d,., Wh.n Vou are In defaoll,.he Cr""" Union can d~mand immedial~ P4ymenl at the ~ntu~ amounl you owe under thiS Plan wilhout giving you advance notice, Vou ag..e '0 pav ;I .h.. ,g...m.n. .. ",..."" .0 .n ,lIorney 'or colle<loon or collCCl,on agencv lor coll.c"on, an ""d,tion,I,um eqoal'o 20% ol.he .ggrC9a1e oflhe prinCipal and int~reU due, There ... no lat. charg.., Ho...ver, vou ..,II he obh9l''''' .0 pav , FINANCE CHARGE on .nv oUlllanding and onpad p"n"",' b.lance un",.1le p,'n"p,' ,nd interest are lully paid, The Credit U",on h8l. "gh' .0 chang. .he ",m. o,.hl, PI,n, ,nc'ud,ng .he DA'LV PERlDD'C RATE ..hich, ,n .urn, ..ill chango Ihe ANNUAL PERCENTAGE RATE, Vou ..,II be no"""" 01 anv change ,n ..rom, Ch,ng"n .h. DA'LV PER'OD'C RATE mav, a..he Cr"''' Union', d,ltr..,on, b"pphUll'o unpad balan..., The Credit Un,on mav canee' .h" Plan .1 vou ,.,1 '0 m....h. C,,<l.' Un,on', "ed,,",ndani' al anv ,'me or lor o.h.r good <OUIO, Vou may cancel'hl' Plan II anv time. Your obligation to pay whal you owe contlnuet It yOU or the Credit Union cancel thiS Plan, On a rC9ular ba'" vou ..,II rmlv. a .Ia"men. ",,,,,'ng ,II ",nsa",on' on vour accoun', onclOOlng amounll p,d and amounll borro.."" "nee vour '''' 1I.,.men.. Th~ Credit Union can delay enforcing any 01 its ngtus under thiS Plan Without losmg Ihem, DEFINITIONS; ANNUAL PERCENTAGE RATE _ The caSU at your credit at it yearly rat~. FINANCE CHA.RGE _ The dollar amount the credit Will cost you. DAIL V PERIODIC RATE _ Th~ annual perC1!ntage rale dIVided by the number of periodS in a year. SECURITV INTEREST _ When yOU agree to back up an advance wllh something lhalls yours, yOU will give a security intereSltO the Credit Union, YOUR BILLING RIGHTS This notice contains importanl Informal Ion about your rights and responslbili' ties under the Fair Credil Billing Act, Notify Us In c.se of Eno" or Quntions About Your Bill If you think your slatemenl IS wrong, or If 'IOU need more IOformallon aboul a transactIon on your statement, write us Ion a separate sheet I allhe address lilled on your statement. Write to us as soon as possible, We must hear from you no later Ihan 60 days after we senl you Ihe statement on which Ihl! I!I ror or problem appeared, You can u!lephone us. but doulg so Will not preserve your fights, In your leller, give us the folloWlOg tnformatlon: . Your name and account number . The dollar amounl of the suspected error . Descrlbe the error and explain, If yOU can. why 'IOu believe Ihere IS an error, If yOU need more tnformation, descflbe the Ilem yOU are not sure aboul. II you have aUlhorl/ed us 10 pay your cre<ht card bIll automatically ham your savings or checking account, 'Iou can stop the paymenl on any amounl you Ihink IS wrong, To stoP the payment, your leller must r~ach us three bUSIness days belore lhe aulomatlC paymenl "schedUll>d 10 occur. Your Rights and Our ResponSlbilitin After We RKei~ Your Writt.n Notic.. We must acknowledge your leUer Within 30 days. unless WI! have corrected the error bV then. Within 90 days, we must ellher cOffeclthe euor or explain why we believe the statemenl was correct. Aher we receive your leuer, we cannot try 10 collect any amounl yOU question, or report you as delinquent, We can continue to send ,tatemen" to you for lhe amount you Question, including finance charges, and we tin apply any unpaid amount against you credit limit. Voudo nol have to pay .ny questioned amount while we Ife investigating, but you are still obligated to pay the parts of your bill that are not in question, If we find that we made a mistake on your stalement, you will not have to pay any tinance charges rellting to any questioned amounl. II we didn't make a mistake, you may have to pay finance charges and you will have 10 make up any miSsed payments on lhe questioned amount. In either cae, we will send yoU a statement at the .mount you owe and the dlte that it is due. II you fail to PlY the amount thai we think yOU owe, we may report you as a delinquent, However, if our eKplanation does not IItisty you and yOU write to us wilhin t~n dlYs te\ling us thai you still "I usa to pay, WI must tell any. one we report to thai you have a question about your statement, And. we must tell 'IOU Ihe n.nw at anyone we reported you to, We must till .nvone we report 'Iou to thlt Ihe matter has been s"tlled belWl!tln UI when il tinally is, If we don't tollow these rules, we can't collect the first $50 at thequHtioned amount, even if your bill was correct, ED I UR N E DISCLOSURE You undp.rSl3nd that Ihe pU1chase of Ihls Insurance IS voluntary and nOlll!QU,led in order to obtain credit, You also reserve the right to IermiMIe thil imuranct by nohlylnq your credit union In wfltlnq, You understand 'IOU must be actively at work and regularly perfalmmg the usual duh"s of . full.lime gainful occupation on the'da" of eech Ic>>n adv.nce for this coveraqe to lake eHeCl, I authoflle the Credll UntOn to ,KJd lhl! leQuired premium 10 my loan balance and charg~ me interest on the combined premium ard lo.n bllena8t the yme rate of Interesl whIch applies 10 my loan b:llance and forward the premIUm to the Insurance company, Th~ msuranCl! rate IS shown below and you Will be covered lor all loan proceeds advanced to you under this agreement, Each Inonth Ihl! msur,1nCfl chalqe 1\ calcu1all'd by mul11plymg the 10lal uf Ihe remammg scheduled lo.n Plyments on the lISt day ot thlt monltl by the r.It, Cost per $1,000 uf total fl!rnallllnq \clw'lluled loan payments 1\ $1.70. \"",[t Credll Ols"l)llity Insul.mc(' YES BOHII......"'\ S"'"<tIU''' Dale NO nCE SfE OTHER SIDE FOR IMPORTANT INFORMA TION ( ( IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA STATE EMPLOYEES CREDIT UNION I OF MARYLAND, INC., I Plaintiffs I I V. I I REBECCA CASPER I Defendant I NO. 97-678 CIVIL TERM COMPLAINT IN CIVIL ACTION DEFENDANT'S ANSWERS TO PLAINTIFF'S COMPLAINT IN CIVIL ACTION AND NOW, comes the Defendant, Rebecca Casper, by and through her attorneys, Hanft & Vohs, to answer Plaintiff's Complaint and aver New Matter as follows I 1. Admitted. 2. Denied. Defendant, Rebecca Casper, is an adult and citizen of the Commonwealth of Pennsylvania, residing at 50 Bonnybrook Road, Lot 35, Carlisle, Cumberland County, Pennsylvania 17013. 3. Admitted in part. Denied in part. It is admitted that Defendant, Rebecca Casper, did execute a Credit Plan Application. It is admitted that Plaintiff, State Employees Credit Union of Maryland, Inc., agreed to provide Defendant, Rebecca Casper, with a loan. It is specifically denied that there is an outstanding balance on said loan. 4. Denied. The allegations contained in this paragraph are conclusions of law to which no response is necessary. 5. Denied. The allegations contained in this paragraph are conclusions of law to which no response is necessary. I..~WtlWD.TD(UtI 6. Denied. The allegations contained in this paragraph are conclusions of law to which no response is necessary. 7. Denied. The allegations contained in this paragraph are conclusions of law to which no response is necessary. WHEREFORE, Defendant, Rebecca Casper, demands judgment against Plaintiff, State Employees Credit Union of Maryland, Inc., together with such other relief as the Court deems as just and proper. Respectfully submitted, HANFT & VOHS Datedz 'Slzl(1/1 ~ (;U-- William C. Vohs, Esquire Attorney ID No. 65208 11 W. Pomfret Street, Suite 2 Carlisle, PA 17013 (717) 249-5373 Attorneys for Defendant ~~TUC'OW IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA STATE EMPLOYEES CREDIT UNION I OF MARYLAND, INC., I Plaintiffs I I V. I I REBECCA CASPER, I Defendant I NO. 97-678 CIVIL TERM COMPLAINT IN CIVIL ACTION CERTIPICATE OP SERVICE AND NOW, this ZS~day of March, 1997, I, William C. Vohs, Esquire, hereby certify that the following persons were served with II. true and correct copy of the Answer to Plaintiff's Complaint in Civil Action by United States Mail, First Class, Postage Prepaid, addressed as follows I J. Scott Watson, Esquire 30 Regency Plaza Glen Mills, PA 19342 HANFT & VOHS WC;L William C. Vohs, Esquire Attorney ID No. 65208 11 West Pomfret Street, Suite 2 Carlisle, PA 17013 (717)249-5373 "~WlIWDTUCOW t . t '. s g .. I~. .. ~ Ij II '~ 'l'- . .. ~. 0\ >, I . .. ~~, " , .Ii . ' .' -f~ ',: ~,", ) " " " ~, .'\~! 11 g ~ I ~ .-~ , :' ., .. ...c._ ,].... ,,,. .':' 1~"~;~:. : ,.. ", _ 1,::;"-,"',,1 " -- : \~ -,",' ,'"'' , "c' . '-',~~'.- ,).-'~/ <,.:' ,,:,.>,- ,. , .f/r)~i";:: " . ,% "ii"':' , " :,:' :":'sJ;li:'.' ~~' <<,,'; /.::;')i:'IIt'1 : t,l i ..' " : ;,." ::" ,.":-,:;:1 i 1-.....':, ~,< , " .'~ \. ~,", ,""', , \ ~',. ,~.._~_ ": _ it:,':' ,... r, -' ',< '., ".._ ,...' c "",';: ::":i.',;.;'-Z' &..'~ ' ." ~,," ':. '.' '~' -j \ \t - .. " \', .,.\,;;;.:~"*:,:I' " ,;~:J;",/,.r' , ,..." .::) " '. -..l 'Ii ~'1. ,~ ! l': -., .;""T1 ..' ' , ... , " {.. ,In L' " '~ , .. ;C .'" '~1 . - -: .?c> ;.s. r;-: Jill '. .'.) ~j .c- -" . r STATE EMPLOYEES CREDIT UNION OF MARYLAND, INC. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 97-067B CIVIL TERM REBECCA CASPER . . : CIVIL ACTION - LAW . . ORDER OF COURT AND NOW, DECEMBER 1B, 1997, the Court having been informed that the parties have reached a settlement, the Board of Arbitrators previously appointed is hereby vacated. The Chairman shall be paid the sum of $50.00. By the Court, (\., { r ~ old E. Sheely P~J. Richard W. Stewart, Esquire - ~ ~",.'J. 1.;J./I'1/9'}, Chairman 'U lJ ,...!,-1', Court Administrator _ c..~ ~L..c4.L .....J iwJ /~I, '1/'1'7. u tr ..&'~ / /'~ :sld c:; .:> ~) . -J " i J .., i . : J ., , ,-, .. , , "", :'. J "11 , :f1 -, (J', ", J. SCOTT WATSON, P.C. Identification Number 41060 30 Regency Plaza Glen Mills, Pennsylvania 19342 (610) 358-9600 Attorney for Plaintiff STATE EMPLOYEES CREDIT UNION OF MARYLAND, INC. 8503 LaSalle Road Towson, MD 21204-9990 CUMBERLAND COUNTY COURT OF COMMON PLEAS NO. 97-678 v. CIVIL ACTION - LAW REBECCA CASPER 17 W. Promfret Avenue, Apt. 12 Carlisle, PA 17013 PRAECIPE TO ENTER STIPULATION OF JUDGMENT TO THE PROTHONOTARY: Kindly enter the attached Stipulation of Judgment in favor of Plaintiff, State Employees Credit Union of Maryland, Inc. and against Defendant, Rebecca Casper, in the amount of $1,000.00 relative to the above-captioned matter. ~ ..... '/ , ~ 1--' / ~ J. S OTT WATSON, ESQUIRE Attorney for Plaintiff \ I , . , I , , , P I ';':,~;';'~", ,,~. ....~ P ""9- ~ -p ';'0 ,.... g f4:- fJ::. ri il"" su -v f'\ 0 - ,- w lr[ (\ r j Cv - rv ~ ~ - ,.-..;..." --I- r'l -...t... n ,-- " $ ...0 ~ \)