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Home My WebLink About98-02611 .~ , ~ .~ ~ ~ .... It \" \l J ~ \J ~ ~ ,~ . ~ ~ "',,~ , " " \ "- \ . \I . .... o ~ ~ "t;~ ~J ; ( ~ ~ . .':) ".J ~ ;; ~ . ~ ~ !\ i. ,\"\ '\I \" ~ <,/- ',:-',' . ,",W 0fftCIII or KNUPP. KODAK. P.C. . C4~ M4NUoN --_.- '.' ',-- WEST SHORE TEACHERS FEDERAL CREDIT UNION PI.'ntlff : IN THE COURT OF COMMON PLEAS v. , : NO. 9~ )&/1 , , : CUMBERLAND COUNTY, PENNSYLVANIA C)~ MARYANN WINGARD Defendanf : CIVIL DIVISION. LAW NOTICE YOU HA VB BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIM 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 THA T 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 IN THE COMPLAINT OR FOR ANY OTHER CLAIM OR RELIEF REQUESTED BY THE PLAINTIFF. YOU MA Y LOSE MONEY OR PROPERTY OR OTHER RIGHTS IMPORTANT TO YOU. .Y..QJ.!..IDiQJ.lb.Q~tl:WJ>..m.B TO YQ!JR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYliB OR C~NNOT AFFORD ON-'....GO 'fO OR TELEPHONE THE OFFICE S~T FORtH BELOW TO FIND QUT WliW yoU CAN GET LEGAl. H~ CUMBERLAND COUNTY BAR ASSOCIATION TWO LIBER1'Y A VENUE CARLISLE PA 17013 (717) 249-3166 WEST SHORE TEACHERS FEDERAL CREDIT UNION Plaintiff v. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 9 f. .2. (, II (j;;J .rA"....., CIVIL DIVISION. LAW MARYANN WINGARD Defendant COMPLAINT The Plaintiff, WEST SHORE TEACHERS FEDERAL CREDIT UNION, by its attorneys, KNUPP & KODAK, P.C., brings this action of Assumpsit against the Defendant to recover the sum of SEVEN THOUSAND, FOUR HUNDRED NINTY-FIVE DOLLARS AND EIGHTY-SEVEN CENTS ($7,495.87), along with costs of this suit and Interest thereon at the rate of 11.9% per annum from May 1, 1998 upon a cause otacticn of which the following Is a statement: 1. The Plaintiff, WEST SHORE TEACHERS FEDERAL CREDIT UNION, Is a federal credit union organized and existing under Federal laws, having Its principal office and place of business at 1213 Slate Hili Road, Camp Hili, Cumberland County, Pennsylvania 17011-8012. 2. The Defendant, MARYANN WINGARD, is an adult Individual residing at 33 South Twenty-Seven Street, Camp Hili, Cumberland County, Pennsylval1la 17011. 3. On or about May 1, 1996, Johnna F. Wingard did apply for credit In the form of Plaintiff's . Loanllner Credit Agreement. 4. On or about May 1, 1996, In order to Induce Plaintiff to extend credit to Johanna F. Wingard, Defendant, Maryann Wingard, did complete and execute, and agree to the terms and conditions of, a Loanllner Guaranty Agreement. A true and correct copy of said agreement Is attached hereto at Exhibit "A". F:\USER\KATHY\CMPLAINT\23979.WST ICWII&. Guaranty Agreement IlAIIO GUARANTY WHEN YOU MUIT PAY IEOURITY NO NOTIOE REQUIRED PAYMENTS YOU MAY BE SUED \,:,;,~t ~'I,"~I;' .,i.,....:,h...r. 1:~L~ ~J t!rt HJ l.! '~(J~.Cl CiJ III; , H: J 1. p,\, l 7()1 'I { ; j:': 7?J -; -~'l i :;:; To Induce \'.1.L..:: ltr, ,. ,. ',~., _ (the "Credit Union") 10 lend money or gl'le oredlt 10 --'~ :. ; T \ .~! r' c, (the "Borrower"), you (the "Guaranlor(a)"). Jointly and severally II more than one, guarantee prompt and 'ull payment when due the fOllowing debt, Inoludlng prlnclpel and Inlerest. ~:t:,t1::.:',CI'~' ",'.- 1',;.()~.'Ci~:~' ::"(:"f3:. fir.,. ~'\'...:." \,~U\.:l ItiHililllnl !~.l-\~~('kJ~ p;I;'nlt.~.1! (.f :'::'(l:'~. 9i U:it:','; ~t)l~ 'n.:t.stand~n:;I balaJlce hn.;: b,:'el! {J31d JIIus llll('i'tst Ilndfr ~"_lr'A't':;"~'1 !..['/,!\Ll:';2E Ac'couu:.., ~'f)\J rn'r:m,:s~~ tr ;"jl, Ei~: ',~~:: {)f ~,,)j~'('l.::n.~~ "j,( etm':lunt ~'Cll"': C,\<'C unri~r thi$ ;~!,n.qr:).~jlt nh'~J!.H!~!"lr '~'O'jrt ~~O!,tF dTLrl rf;':ISOllill;.i.f' at.t(.'tfJE:'~' fE:_~s, II the Borrower falls to pay the debt whan due you promise to pay the debt to the Credit Union upon demand. The Credit Union can demand that you pay the debleven lilt does nOltry to oollect Irom the Borrower and without enforolng any aecurlty Interests the Borrower has given the Oredlt Union. You pledge altehares .nd/or deposits In any 01 your Joint and Indlvldu.l.coounts at the Credit Union .s ..ourlty lor your proml... The Credit Union has the right to .pply your shares and/or deposit. towards what you owe" you sre In del.ult under this agreem."t. Shares and/or depo.'ts In In Individual Retirement Acoount, Keogh Plan Acoount, or All S_... Certllloate will not be subjeot to.ny right ot..t 011 orto your pledge ol.harea and/or deposits, This guaranty rsmalns In eHeot even though you are not given notloe 01 the following: (1) II thfl Borrower lalls to pay any amount due. (2) 01 any action taken by the Cradlt Union with respect to property given by the Borrower as seourlty 'or thedebl.. (3) Ot any new debts with the Credit Union Inourwd by the Borrower. (4) 01 any renewal, extension or substltullon of any 0' the !lorrower's debts. (5) 01 the acoeptance by the Credit Union of this guaranty. The Credit Union has the right to spply paymenls by the Borrower to any 01 the Borrowsr's debts In any order the Credit Union slects. _ . . .. You may be sued for payment 0' the debt It the Borrower Is In default and you do not pay the amount you have guaranteed. OTHER II more tt~an one Guarantor signs this agreement. the Cradlt Union can release or settle with any 01 the Guarantors at any GUARANTORI time without affecting the liability 6f the others. NO WAIVER OF RIGHTS WHO IS BOUND The Credit Union oan delay en'orclng any of Its rights under this agreement wlthourloslng them. Each person who signs below Is bound jolnlly and severally. The Credit Union can entoroe this Agreemenl against your heirs and legal representallves. GUARANTOR SIGNATURES ~1"\RY AN~ \;I~G".R!l PAM NAME Ci~~--26-r'~' ~.<:f.~ .:.." 1" WITNESS 1'1')1')1/" .. "<-'} ;, PRINTNAr.4E .'If;,( 0,":1,1(.(, / LA.... :-;;t..~:.I..1/i/:;'JI )(-_.,' ;'/ . / , . I I..~' "_I 1'. ///tZ-7t.J,;U/ Y-o'/J /C.{/.4r..J "",-:'-;-9",. StONATURE ... . . CWI! PRINT NAME ___ PRINT NAME X _VAl 0,,11 X 81QNATURE IMTI PRINT NAA.tE _ PRIHTNAME __, X iKiNATuRe 0,,11 X SIGNATURE 001 PRINT NAME PRINT NAME X tl!ONATUFlE C1ct.WUI1TUI.1.IHSIJRAHCE soam, "12, 14." H, ,f.U Noms AI$IIMD v EXHIBIT A 08T012 IUILL 001 ~ee.chersFedel'al ~e $t q'e ~"(\.o ~, ~ ~ ~/1.JfI) ~o~ IDANLINER INl'EREST RATES FEBRUARY 21, 1996 tml'IL FURTHER tul'ICE 7' ADDENDUM 'ro lOANLINER CRFDIT AGREEMENl' AND 'l'Rl1l'H-IN-LENDING DISCIDSURE. This addendum is incorporated into and becanes a part of your LOANLINER Credit , t. By, "i J.ng, YOll verify that a copy __~ !ICldendlln ~ ~iven to YOll. e. SIGlA'lURE ! L n--"'/.j6--..~, SIGlA1URE / loan Subaccount Description Approximate Term Daily Periodic Present ANNUAL Rate PERCENTAGE' RATE Payn'ent Share Secured To 24 M:Jnths .02054794 7.50% The arrount and due 25 - 60 Months .02260273 8.25% date of your paynent will be established at the time of each advance and will be Vehicles: disclosed on the voucher accorrpanying the ad- Model Years To 24 M:Jnths .02054794 7.50% vance. Your minimum 1993 - 1997 25 - 60 M:lnths .02260273 8.25% IOOnthly loan payment will never be less Other Model Years 1 - 48 M:Jnths .02534246 9.25% than $20.00. Signaturel To 24 M:Jnths .02712328 9.90% UnsecUl-ed 25 - 36 Months .02986301 10.90% 37 - 60 M:Jn ths .03260273 ' 11.90% Lines of. Credit: Share Secured Unsecured .02260273 .03260273 8.25% 11. 90% COLLECTION COSTS: 1(00 pranise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees. FILING FEES: May be incurred when a security interest is taken. The fee is the amount charged by the goverrunental agency and will be listed on the advance voucher. 1213 SLATE HILL ROAD. CAMP HILL, PA 17011.8012 . TEL: (717) 737-4152 . FAX: (717) 737-0589 "1 I I ti~l;t ShUT!;: T(K<.:herE 1 :l12 ~J.!t t <..~ Ii,! 1 J(o~d I C/tnlP fl;11 , ~",:, 17011 I NOTICe To COSIGNER Date "" '" "',g ..,'" · g,,'.... 'hi. doOl, 11>", "",,", bol.. "'"'0 II ". '0'_ '"'"''''' Ih. ."" "'" .//1 .... ., B. 'w. "'" "" .'0", . '" II '" .... to ."" I.. yo" ""10 ."", thl. ""01'01'''"" "" mlly '''' · poy " 10 the ,,,,.""'",, 01". d'OIII the 0""", "'" 'or POY ", mlly.Ioo..... '" I..... '" "'''''''''' "'-' Wht,h ,......",. amount. 11" '"""" "'" "'''''' ". .." 'rom yo" """" II", "",g . M.. ""'" ". ""- rhe -"" ", ""Ihe "m. 011"'01'00 mOl.... ''''''t "'" "OI ", bo '"lid 'g"..t lhe -.." ""h .. ""g "'", ..",."., Yow ....., ... "1hJ. 'obt · .'" " ....'", "Of I", m., '''''m. 'Ort ,t rou, or6dlt reOord. Tho "'"" · "'" ". "'''''. thOf ""... "'" "" '" Iho 'obt, ~7 . I ' /. ..- / ....... --; ., "' .;,,? A ' ~~:-:;w~~~~~ t/ J.-"/ 05-01-1996 --- =-- PR'/i!JI""'~IIOWrA " ---_J WINGAllD, JOHNNA r - "'fG OF 'Q>\N 05-01-1996 CCCOUNT:~SIi ",",OUNt OF ''''N 8,053.,09 7074 -J MAllY ANN WINGARD Nolloe senIor delivered 10 ____ 05-01-1996 on_ _by__~_, !El1rIi, (!Nlf",,!) - <lII1O/NAl_ COSIQNE~ . DUPLlCATI; _ C~EDIT UNION MSf~ ';',' . . r ',?'.. EXHIBIT B ,.., 01 ~ .... G /-. <\:i .~?: C, t'!l.oc ":) , .~.:. (");;T. ~;;1;,) :l.t:; O:;E Fe: c.:; ".::.." dO \d,....1 iff 1'0 .- ...... ',Cr'i;;? - 1-' fL'!) Q:l (j,' !i I~/.~- l.t..I Id/U ,;,!., t...: :/J J.. ~ .-. (') ~ ()