The URL can be used to link to this page

Home My WebLink About01-06997 SAlOIS SHUFF, FLOWER & LINDSAY AITORNEYS.AT.LAW 26 W. High Street CarlisIe,l'A ';--: .;n ',_',.,0'-, -"h'1>,.<__7,c::'g,,';' "'. " Johnna J. Deily, Esquire ID #53147 Said is, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486 e-mail: jkopecky@ssfl-Iaw.com AMERICHOICE FEDERAL CREDIT UNION Plaintiff v. JASON OSBECK Defendant --I IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.: ()I- CRQQ7 ~ CIVIL-AT LAW NOTICE 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 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 in the complaint or for any other claim or relief requested by the plaintiff, You may lose money or property or other 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 LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 717 - 249 - 3166 800 - 990.9108 NOTICIA Le han demandado a usted a la corte. Si usted quiere defenderse en contra estas demandas expuestas en las pa9inas siguientes, usted tien veinte (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra suya. Se ha avisado que sl usted no se deflenda, la corte tomara medldas y puede entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO 0 PROPIEDADES 0 OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO TIENE 0 CONOCES UN ABOGADO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Loan account #32548-10 Visa account #63403 -,: -.")" .. -" ~--', " 1-, ' Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 717 - 249 - 3166 -,_.' -- '''',-"~,-, ",---,- "T".' _ - , ~A SAIDlS Slfl.J!'li !!-OWER &UNUSAY Mn......ns.,(f.il'W :l6 W. HIgh 5..... Carlisle, Pi\. '>',1(,,__ 800 - 990 - 9108 Johnna J. Deily, Esquire ID #53147 Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486 e-mail: jkopecky@ssfl-Iaw.com AMERICHOICE FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO. O(-(PQQ7 cwJ v. CIVIL-AT LAW JASON OSBECK Defendant COMPLAINT AND NOW, comes the Plaintiff by and through its attorneys SAIDIS, SHUFF, FLOWER & LINDSAY and respectfully amends the Complaint as follows: 1. The Plaintiff is Americhoice Federal Credit Union, whose address is 20 Sporting Green Drive, Mechanicsburg, PA 17050, Cumberland County. 2, The Defendant is Jason Osbeck, with a last known address ofVP-45 PO Box 83, NAS JAX, Jacksonville, FL 32212-0083, 3. On or about September 21,2000, the Plaintiff and Defendant entered into a Financial Contract Agreement for various services, which was executed in at Plaintiffs place of business at20 Sporting Green Drive, Mechanicsburg, PA 17050, Cumberland County. 4. Copies of said Contracts are attached hereto and made a part hereof and marked as Exhibit "An Visa Credit card number 63403, member account number 32548. 5, On July 31, 2001 the Defendant created a negative balance on his account in the amount of $2,055.52. 6. The Defendant beached the Contract with the Plaintiff by failing to maintain the accounts in good standing Loan account #32548-10 Visa account #63403 2 -Ct"' '..c.- ~ SAlOIS Sllll!'!\. I!.-OWER &UNUSAY ATIOIIl'th1:vA1.olll.W 26 w. Wgh Street Carlisle, p,' '4il1!l"FJ) _,' _ ;y_ ~"'''.' 7. This breach of Contract did cause a loss to the Plaintiff in the amount of one thousand four hundred twenty-seven and 07/100 ($1,427.07) dollars, which represents a loss suffered by the Plaintiff do to the breach of the Contract. 8, On October 16, 2001 Plaintiff forward a default letter to the defendant, requesting the defendant bring these accounts current. 9. On October 29, 2001, Plaintiff again served notice of default on defendant through its attorney and requested payment to bring these accounts current. WHEREFORE, the Piaintiff demands judgment in favor of the Plaintiff, Americhoice Federal Credit Union and against the Defendant Jason Osbeck, last known address of VP-45 PO Box 83 NAS JAX, Jacksonville, FL in the amount of one thousand four hundred twenty-seven and 07/100 ($1,427.07) dollars, plus interest, along with attorney and all other fees and costs of the filing of the suit. Respectfully submitted, SAIDIS, SHUFF, FLOWER & LINDSAY By: Loan account #32548-10 Visa account #63403 3 _0,,\"_, .-.'"'*"", ,<.-' """"""'" SAlOIS SHUffi.!!OWER &LIf'IuSAY MIUlll'll!..s...u'.~ 26 W. High SfJreet Carlisle, PA ,-,-, -,'Y y,> ',',,_ _~" y~'~" _" Johnna J. Deily, Esquire ID #53147 Said is, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486 e-mail: jkopecky@ssfl-Iaw.com AMERICHOICE FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO.: v. JASON OSBECK Defendant VERIFICATION I verify that the statements made in this Complaint are true and correct. I understand that false statements herein are made subject to the Penalties of 18 Pa. C, S. Section 4904, relating to unsworn falsification to authorities. Dated: J~-7-Ol BY:~~ v J. ' on tti. Loan Adjuster AmeriChoice Federal Credit Union 4 -. ,,, ,_:w-r:.,"~_" "', >""-""',""Cc ~ ~]~~)unt# i~_.~> CredilLimit Requested 7175973713 p.02/05 AMJ';I(.lUtlUIU.ti ~'J:;U1'.,;.KAL UltEJ)lT ,1.ll'-llo.N 20 SportinG" Green Drive Mechanicsburg, PA 17055 (717) 795.0249 ! r:lMER! C"DI CE "CIJ NOTICE; ,Mart;,ed ,A.pplicantli may apply for a Il~parate aC(:<.l~'l.I);t, Check thQ appropriate box b~low to, indi.cD.te the typ~ of ~r~d.i.t fur which yuu un! app J~d'vidual Cre4it: ComplBtB Applicant 'Sectio,n. Comnluw the Co-Applicant 0 JOiD~ Credit: Proyide _iGformati~n about both of you by Co.<nPh':til1~, ~-~~i. ~ 3f'ctum as fOl[owJi: (1) Inrot"m~ti~m about YOUf_SPOuse if you live in:1 Apphc;\l:~t;,md Co-Appheant Sechol\';l. J") ~ community prolGrty state (AZ, CA, !D. LA, NM. NY. Ix.. WA, WI) or (2) If if your Bpouse 111I'1 U$e the Acoount. . ,~ ~ f!i f\dd,."".Slrl'lt",&No Cuy,$tn"'.'I'.." f'<<".llu8 Adtln:;-;--.---^~-' ernpio'y~; ---"l1~-'.' SUftD:lll: ITilh: Pr;v:;~~~'€mf';'lYCf .l\(h:ltC&~.Slln;t & ~..,. city. Sl~!e, Zip I How Lun~ NO. 01' I)(;tJcdtledb &. A"n H~:___.gown [] R,,~~ftll"!.":..:~~.e3&e Arllillllll AbW!MbrlV_~~_:ill~ elM;, ClII'd o..."tlt.. Cn;(.hIC~nl: --~~'-~--" Olhll;-~';;'-- ~ ---. Ow"d 10 y<~ M~k,,~,rA"l" lVhtrb:lVl,l"t; MITktlVIII"" IVIlltkCl Valll~ ^~ YOU:l US Cili",,"~ Havt;yUullVl>r!il<<Ib""k,.up,ey? yO' Om Dye>. y,. The information about the costs of ths card deBcribed in this applicl.ltion is accurate as of 2/00. This information may have ehangAd after that d~te. To find out what may have changed, call or write to UIj at the number or IQcation 1i!Jted above. A (a!\$t.r.tt\~r r.:.edit report may be requeoted in (ollnection with thi~ app iCQtion and with a.ny renewala. update8 or extellsiclI:u; of any new credit extended all a result of this :11~pli":l,ti,m. Thc credit. union i$ (elying' on what youatated in thi~ appli(:~tion and )'Ot1 aeknowludge that everything youbaya statl:ld 1 true If a credl.t l;;).n1 \Ii lS~U8d to ou and you uoo theeard (Qr lte. accnunt tl.umhrc:r) Ql" nUlhQri.UE't u" ,yoU agree that 8u~h lIBe w.l Il.'l:titute ynul'" ag:rearu~nt to the termb of the cardholder a fl8m t that YOIl receive from the r It UnIon. You grant us a Becurit i terp.~t fnaUofyo rl[~re itUnioDSharofi InAcc n No. to t>ecure QUI!' Ca d ob ~at{m) X C G',,;\":"'::~~~~~~~g~~~i:~E()~E~ 16 'tJm"riledm~llirilil""""'''' ",." ". I, $~~;:;j,~~~~,i~':";'t~:,,~'::""""""" · .,,'" '1.;'.>-.-. ,,1,":0.-' ..', :;/;-, ,,,~ -i;:;~':;:'~', :.!:: Anol,.1al percentage rate for purchases Grace period for repayment of ths balantc for purchases Method of computing the balanl,:e for pl.lrchases and ca&h Mvances Minimum Finance charge Transaction fee for purchases Annual Fee 12.90% 25 days APPlICANTS !,IGN Average Daily Balance (Including new purchase5) None x CO..,APPI.ICAN':rS m AlURE OATE None :"1 None " >;'.. Other Fees Ovcr~Crodit-Li:mit Fee _ ______________n___ Late Payment Fee m...........,.............._ if bm (10) or more days l.p.te . $10.00 $10.00 '."':".: ;"'~: ;,:, :,:,;:!~ ,.. ~ CUNA Mutual Bu,liin05S Service8, Inc., 1991, 1999 ~_ 9/99 Vnx-:3 DETACH ANn I'lETURN THIS APPl.ICATION TO YOUR CItEPlT IJNJON 27.512cv -- IINIStT A '-..:_-Wl~~!-%~~ i-t ._"-~ -" .. ~ T!{oKI/. .- -=-"""""",. '" f"JQU-,27-200J_ J_2: 52 RMERIo-'mcc: FCU r---~--~~-~w I ... j~I1(:~ I{:HO:;':Ct: ; C V 20 SPO~TING G~EEN I nECHAN!CS9URG PA 17050-2392 I PeE_;, \"3"1' -""55 (.A""5 0,' ,"( OO-(HASIE E""Eloe( fLA' 0",.. I~~~l I N{1.4 l"l"N~( "lIN1MVK P""YM[J.I! poft,VM[NT )b,TI[ I I I I 1 'I" 1..J/OO Zc:~.81 JASVN OS9Ccl( ~S At. T COON.:!. AVE: PO bOx Jl [NOLA 15.00 p~ 17025-2:501 01 ~z02 9000 0006 3~OJ 00001500 00022J9, J ?It"tlSE R[iljtUIj 'jHIS r()~'l'ION jO t1t5U~[ PROP(1l (~[i)IT I Ct..O',l:twc ~""~r i "/~4/00 r L CAPD IIU",ro 4202 9000 0006 ~403 ,50 I L-- I ll'(rrO["'c'[ ~uP'l'lr" ~2~'~407029969000el'5698 I I , 7175973713 p.05/05 ~ oIO,'S9.01.01 . L c..lt, kl,lptH" 4~02 9000 0006 3401 Al'(OUfI' or "ov"[H1 t"'CL<)~[' ,. i2"'0/00 AM(RICHQIC~ F.C.V. PO BOX 67001 H~QRlSBUR~ PA '?IO~~700J DO AOT S"Pl( ("[(~ '(H& 'INOuTon;, TOI AME:R1CJ10ICE: t PO !lOX 60070 HARRISBURG (9001 43)' 0505 (717) 697 3474 PA 17106 NATL 900 CA~D COORD c U 26 24~SSQIO~990~905058~83~ 2~J99000290909123Z99~09 ~4~990002909091~32a8417 24J99000l906490ldJ1Z092 24164070290'0629962856~ 2~'64070290106Z88628~96 l41~~070290t0628g629752 24445000290260986887869 2AO~10502902S3990470471 ~A~92900~?a118S4~000617 24'64070292106c642?~49~ 241&407029Z'O~264219f)~' ~42d6S10J'8562090015015 . . Itee. (0)[ 50651 I"Q..TlhC OAtr 10 16 10 5812 '0 lfi 10 15 5311 5311 5611 5S41 ~5.' 5541 5411 78411 5-9'12 5541 5:>41 '5999 . 10 17 '0 14 10 17 10 14 10 17 10 1 ~ 10 17 10 14 ~0171014 10 17 10 14 10 17 10 '5 10 17 10 17 10 '9 10 19 II 14 '0 10 , 0 '0 11 rlhllfo<... ;lAT[ ,. orU.''''T10N GAOZOOKS Z~50 OOOO~~07 H;ARRlS8VRG PA rLVIt~C J COUNTRY MARt<E CARLISLE PA KNARr 00009121 CHOLA PA KMART 000091~3 ~NQLA PA STRUCTURe 00000343 HAR~IS8u~G PA M08I~ D96S5~J' ~NOLA PA MOBIL O~6~~53' CNOLA PA MOBIL O~6555J1 CHOLA ~A GIANT rOOD 11'3 S16 ("NOLA PA Moult M~RC~ANT ~NOlA PA SUMME~DA~E DIN(R CNOLA PA MOBIL 09655531 ~NOLA PA M081~ 09655S~1 (NOLA PA N~VV (XCHANG( 090015 GREAT lAok:ES tL 4.17 22.28 e.01 1".~3 6.79 . "'NOUNf 2]..85 10.$2 37.09 26.40 21,98 28.02 3,66 6.00 1 3'.41 15 '5 '7 17 " . AccESS TO YOUR P[RSONAL CREbIT CARD ACCOUNT INrORMATIO~ IS ~ou AVAIL~9L[ To you 2"" HOURS P DAV ONLINE. VISIT ulJu'.r1YCCINF"O.COM -'"0 vItu YOUR. ACCOVtH It~~ORMATIOH r~OM THE PRIVACY or vou~ OUN PERSONAL COMPUTE~. . TO ~EPORT n LOST 900-991-4961 717-697-J47~ . . O~ STO~EN CARD PL(AS( LOST /AF"T(R HR:S cR eRn COO~DINAToR . ,u.l.J,(C' '0 'I.._..tt (....ltf,;.L- "[Dlopl( Co.lll;, 'INAMel; I~II(.A(.[ J)all v 'At.,a..c[ .0,"1; ... (""_CI[ P\J~'CHA$E:S 0.00 1.0750;'; 1;':.90% 0.00 CAS,H 0.00 1 .0750% IZ.9Qi': 0.00 CAS:H ~(E O.OG DA\'S I" CYCLE: 32 TOTAL 0.00 f'lHANCE CHH~GE CALCULATION M(7HO~. CREDlT "Stl REVERSE SIt)( ;0" [Xrli\'h~1I0H _<on. Ir """I UJ')Ju" "" 1I41l>Jb:ll r luJtr Qrrnmtt tNr I>rRUll1l( RRr[ fiN!} fl~jl(U(f( pO(C!.<<rAC( RAr( rAFfCll!RY vnRV -"~\~1'li T,.' _ f" '"",,_~.. ,,~, ..~ . CALL: ~MMUAl A~COU"r P(R([M'~r.[ ."'J[ SU""ARY 12. '9 ::.: "JltUl0U~ tAl'''''CI: "IWlrtU" PliIIYlIl:N' UDCNA'lI('1 15. 0 AiM p",r Itut R'/:Ol'''' O. 0 1Ilt"'"I[~T" 6Vtll'!"IPUt AND "1:[1 tH~U.I\NC[ TNt:_ '''''_lOr" ;HANe[ CNlt'tC[ 0.0 .. , [l.l JALANC[ o. ~ toTAl. HIN PIllV'U;;NJ , 15. PURCHASt: I G CASH A VAN " TOTRL P.05 !lII!'_~ ,'I f..JOV-;27-200~" :t2: 5~" I'lMER! CHO! CE cCU I 71-7697371.3 p.04/05 ~ AmeriChQice - =1FEDERAl CREDIT uNION Cumberland County's Community Credit Union October 16, 2001 RE: Loan 32548-30, Savings 32548-01, Visa #63403 Dear Mr. Os beck: As you have chosen to ignore our efforts to bring your delinquent accounts to a current status, you have left us no other choice but to declare your accounts in default. The amount needed to cure your default at this time is $2283.91. August Loan Payment September Loan Paym~nt October Loan Payment $262.13 $262.13 $262.13 September Visa Payment October Visa Payment November Visa Payment $12.00 $15.00 $15.00 Negative Balance Caused By Fraudulent ATM Activity $1455.52 It is imperative that the Credit Union receives said amount on or before October 30th, 2001. Otherwise, we will proceed to exercise our rights to protect our interest in this matter. Please be advised that the costs incurred to collect the account will be charged to your account, which will add to the payoff of your accounts. Your immediate response to this matter is expected, Please contact me at 1-800-240- 43,64, extension 3500, during regular business hours. Sil~erely, ~oo"'; Adjuster M.ain Office: ~o Sporring Creen Orivto'. Mechanicsburg, PA 17050 . Phnne: (717) (jll]-.1474 . F.ax: (ll]) h97-J;1'~ P~nll~boro COmmons Office~ 326 Edst Penn Drive, Enoli:\, PA J 7025 .. Phone: (717) 909-0460 . fax: (i17) 90Q-()4h5 Mec;haniL.~burc Office: ']2(,7 E~bt Simpson I:l~rry R().\d. Mech.J.nics!)ur~. PA 17()55 . phone: (;171 ;:'95--UlOO .. fa):: (7" 7\ h97,.7l.l,2 ~ I~~"I lfNDfll: _.,...~ G Website: www.lm~ri(hl)i(.e.of.H..[.mai/ U~ Thmugh Our w{~b.~itt" CI~W!T U~h.)~:-,- ,;.<"I\J'f!.'ll i;!pJ.l.,?,~, ~8l?i1~,_ _, ,:,,~,,__,~_ ": ", ~~ - . - '1- . !$ NQU-27-200::t j2: 5~_ QMER! CHO! CE <"ClI LAWOFFlCE$' 71759737' 3 P.1l3/V15 f~6 ,o~ \ jAMESD, flOWER JOH;\! E. SLIKE ROBERT C. SAlOIS GEOFFREY S. SHUFF JAMES 0, FLOWER. JR. CAROL) UNDSAY jOHNNA J. KOPECKY KARL M. LEDEBOH,vl JOSEPH L. HITCHINGS THOMAS E. flOWER SAIDIS, SHUFF, FLOWER & LINDSAY A PROFESSIONAL CORPORATION 26 WEST HIGH STREET CARLISLE. PENNSYLVANIA 17013 TELEPHONE: (717) 243-6221- F ACSI1vIILE: (717) 243-6486 E:\IAIL attorney@ssfl-I-.w.com www.ssfl-I<\w.com WEg SHORE OFFICE- 2109 MARKET STREET CAl'vIP HilL P.'" 17011 TELEPHONE: (717)737-3405 FACSIMILE: (717)737-3407 October 29, 2001 REI'L Y TO CARLISLE ,Tason Osbeck VP-45 PO Box. 83 ~JA.S J!'..lC ,racksonville, FL 32212-0083 Dear Mr. Osbeck: Please be advised that I represent A.merichoice Federal Credit Union, with whom you have several delinquent accounts. ]lccording to my client, the following amounts are needed to cure your default as of this month: 1. Loan Account #32548-30, totaled $786.39 V~sa Account #63403, totaled $42,00 Negative balance on your Savings Account totaled $1,455.52. Total - $2,283.91. c, t . "::'- #32548-01, In the event that you do not send payment either to n~self or to Steve J, Bonetti at the Credit Union on or before the expirat~on of 10 days of receipt of this letter, the Credit Union has authorized me to proceed to take further legal action aga~nst you. In the event that you dispute any of the amounts due under this account, please feel free to contact me ~mmediately or have yOur attorney do the same. Otherwise, we expect prompt payment on yo~r delinquent account. Sincerely, SAIQIS, SHU~LOW~ & LINDSAY (" / 7/ 'k ~, =:/ "/ JOhnnalJ.- 'KO~ JJK: tdm / Cc: Steve J. Bonetti, Amer::.choice Federal Credit Union Commander Hugh Cook C.O. !'j~i'1W~"m_~ "...- :~"--'~ , ~" .-,- ~ ~~: -..7l"1 ~:::Y=- ~~ DQ~ ,~ G -8 & c [-.~: ~~ r-~ < (") c C) (~) tj 'I e-':.f :< unlfl!$!'t:'IllM'.1!lla r ,_,4~~~~~~~~~t.m;'!;'f11lf~~"*!"'d';#i"f",!<",,,,,,,,o;vii:!lj'W~?'~~i\mJ@$!i'ljl;i~~_~~ ,'::::1 .,'j LJ (.,) '.---J , ~~.~~ r:-? -~ .,.-1 @ , - CP .-::> '?; -.;, ---r? -- ~ r =- - C::" ~ SAIDIS SHUFF, FLOWER & LINDSAY AlTQRNEYS'AT"LAW 26 W. High Sltreet Carlisle, PA " Johnna J. Kopecky, Esquire ID #53147 Said is, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486 e-mail: jkopecky@ssfl-Iaw.com AMERICHOICE FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO.: 01-6997 Civil v. CIVIL-AT LAW JASON OSBECK Defendant NOTICE 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 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 in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other 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 LEGAL HELP. Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 717 - 249 - 3166 800 - 990 - 9108 NOTICIA Le han demandado a usted a la corte, Si usted quiere defenderse en contra estas demandas expuestas en las paginas siguientes, usted tien veinte (20) dias de plazo al partir de ia fecha de la demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra suya. Se ha avisado que si usted no se defienda, la corte tomara medidas y puede entrar una orden contra usted sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO 0 PROPIEDADES 0 OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE, SI USTED NO TIENE 0 CONOCES UN ABOGADO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle PA 17013 717 - 249 - 3166 800 - 990 - 9108 Loan account #32548-10 Visa account #63403 '<;'):'F,~~li,!)!R..~;,~.r"\'R"\':"_"""_" _~JI,__, /I..r._, ,_,r' .'-"",eJ"",, ~ ,,-"P,' ,-', r,", =_, ',1 ~" , SAIDIS SHUFF, FLOWER & LINDSAY A1TORNEyS'AT"LAW 26 W. High Sltreet Carlisle, PA " Johnna J. Deily, Esquire ID #53147 Said is, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486 e-mail: jkopecky@ssfl-law.com AMERICHOICE FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO.: 01-6997 Civil v. CIVIL-AT LAW JASON OSBECK Defendant AMENDED COMPLAINT AND NOW, comes the Plaintiff by and throu9h its attorneys SAlOIS. SHUFF, FLOWER & LINDSAY and respectfully amends the Complaint as follows: 1. The Plaintiff is Americhoice Federal Credit Union, whose address is 20 Sporting Green Drive, Mechanicsburg, PA 17050, Cumberland County. 2. The Defendant is Jason Osbeck, with a last known address of VP-45 PO Box 83, NAS JAX, Jacksonville, FL 32212-0083. 3. On or about September 21, 2000, the Plaintiff and Defendant entered into a Financial Contract Agreement for various services, which was executed in at Plaintiff's place of business at 20 Sporting Green Drive, Mechanicsburg, PA 17050, Cumberland County. 4. Copies of said Contracts are attached hereto and made a part hereof and marked as Exhibit "A" Visa Credit card number 63403, member account number 32548. 5. On July 31,2001 the Defendant created a negative balance on his account in the amount of $2,055.52. 6, The Defendant beached the Contract with the Plaintiff by failing to maintain the accounts in good standing Loan account #32548-10 Visa account #63403 2 '-;(.~-~'\"";">~_-~' _,,,,'--'<F'_"".,_><'1'E\'~Y'" "_.'l"'-,_' ".f"-' - -.-_~. ,-'. " - SAIDIS SHUFF, FLOWER & LINDSAY ATl'ORNEYS.AT"LAW 26 W. High Sltreet Carlisle. PA " 7. This breach of Contract did cause a loss to the Plaintiff in the amount of one thousand four hundred twenty-seven and 07/1 00 ($1,427.07) dollars, which represents a loss suffered by the Plaintiff do to the breach of the Contract. 8. On October 16, 2001 Plaintiff forward a default letter to the defendant, requesting the defendant bring these accounts current. 9. On October 29, 2001, Plaintiff again served notice of default on defendant through its attorney and requested payment to bring these accounts current. 10. Avers of paragraph 1 through 9 are incorporated by reference as if the same were more fully set forth at length herein. 11. In addition Defendant owes to Plaintiff $4,851.27, which represents a deficiency in the repossession action of a 1997 Chevrolet Malibu. WHEREFORE, the Plaintiff demands judgment in favor of the Plaintiff, Americhoice Federal Credit Union and against the Defendant Jason Osbeck, last known address of VP-45 PO Box 83 NAS JAX, Jacksonville, FL in the amount of six thousand two hundred seventy-eight and 34/100 ($6,278,34) dollars, plus interest, along with attorney and all other fees and costs of the filing of the suit. Respectfully submitted, SAIDIS, SHUFF, FLOWER & LINDSAY By: Loan account #32548-10 Visa account #63403 3 J-~?JJJ!~~. f- o' ."(, ","-5'~5''--''- !r-. . _~'-f_, "~J' ,"_, ..'",:' -". _': ~,- _~ _ ' .'d, .__~, , ! ~ ~,'. '''.-,0,''''. -,-'1' i Dated:J~-I-O( I I I i i ! I I i I SAIDIS I 'HUFF~WER I ~I~'~~ I U"'JDch_ I CorllsIe, PA I I I , , ! i , I I <'~,,,~~_..,.,_,,,,,,,1Jfl_,,,,__.!llI!l II " I 1 Johnna J. Deily, Esquire ID #53147 Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-B222 Fax: 717-243-B486 e-mail: jkopecky@ssfl-Iaw.com AMERICHOICE FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO.: v. JASON OSBECK Defendant I I I I I' II , I ! I I statements herein are made subject to the Penalties of 18 Pa. C. S. Section 4904, relating to unsworn I i I I 1 I VERIFICATION I verify that the statements made in this Complaint are true and correct. I understand that false falsification to authorities. BY:. S v J: on tti Loan Adjuster AmeriChoice Federai Credit Union 4 .""'!"'"" "'~ ._~....._~ ., IIJ!I- CR~D~T CARl) ,1-__ APPLICATION ':7~5"'-\0 - (11. (0" (~(.1...) 1_ J!I~/la::> A.r\'U',;.K..l<<.;.t;1.U1,.I.;s:.; ,to',t;L.lJ:'':1tAJ... C~U!T VN10N 20 Sporting GreeI;l Dove ~ech~nicsburg. PA 11'CS5 (717) 795-Q249 \ No, of CardS" CreJilwmit R:e:questC'd tarri,~ :\PiJljcJ,.,:.:; ;;:In 1 apply far a il:epar3te J.ccouot. Check:ha: lippropr.ate box belo..... to it\di.Cll18 tbe type of c:re(ht fo( which}'Qu un: appl ,d !at Credit, CGlDpiste Appiicant ~ec:~Otl.. CO~~J6t8' thB C;;o-Appiicant 0 JOint, Credit: Provide i.nfgnnatign abou:. both of you by c:ou'r~lM:in~~:;, 1 _,8 (oi!')Wg: (1) irdoN:l.J,hcn abeut your spouse I. you !1ve.n 3 Apphc.lnt ;.lad Co-Appiics..nt ;u!-cho,"_ ) -~ .ur,!typr~rty IJtate(AZ, CA,!D, U.. ~.NV. TX. WA, WI} or (2) If .a 0- ne il!!e loll t.l~e me Acccunt. '1" Of ~ !', i'-~' , ME,: i_ "OT, )i~j, " ~._- F Acccum# Ct;..>: yc H "Ollie:' t=:' ~'lJ1i= "cm,," c, M.{ f1 0 1'=0 < ~=,..r"'f'i"o1cr .\r-!)he~~\."'~ \ SS~ .~,.Slr<'....l.cN..Cll1'.";U1"'.;r.,,, -- - -------~ I'X"HJ~. .'\c,Jrt;>I . lIo'lOl !..Inr -<-- ! Em"Ju)'W:lOAddl'eu On wn, u.~c"tG ....~--.~,... Hnlllo~,;r ~;;:;O~~--~--. f'r\'-Y10Uj, (m~j"Vet ^~.h1tc~.S"'l:l;{ it ....u ."Gt;.'"fc.u... Z':I :. ijll'tbD~~ IH~('.PlIone ! I-ln~ ~-lI\n'l A(\,J~ I( ) : Yluri:P!l\JM' : Howl..ln" W...r.. c-m.lli Md;~, . ;t j :"iOllC1l:,\lin'onl'.<:hild....pparl.orsqral'llte",.'nl.en.nce;llQJ.,leull'..d1'101 bll'n"Y",lI\lI'dlr,o,..sn'\at 0 .,,~, .'wfo,"'lltll' enllol'KooO.'''h..''''[M''~.d._IO''''''3rm.~; !;:Jcr i 0 Cf"~':-.tnnlbl1'_~ : How L...n~ - ""nti'l~a M~ldcn S~lnc i ~o.ol !J<:OC:I.JCnls.iki\l:n ~:~~own 01l:en, .'lIIn"'~Jl~,Il'~~SI:AIlIU\lO>l ~O~","'V O'oi'1h~ C~'\\.'-'ld O"'clil" lOwed"!"" "'""~" C I un ItJli~') .r'1-~ 'j-,." ;kf~''''' nb.,i'._ 4(, \/j,:lr.:u. ""'..."1.....'1 ~ ~nl:liy i>",ymenl 2l;Li=c C,,:,,!lIC.nJ Dw('n,,, :\1;"....11' i'Jl.~lnCI'l 3/1'''Il\.... Atl;Jron :"'C.CIIIO,fI O\l\--;W~~;- O"'ell"~ ,o..,.i;Jrtl~. iU:C~.:t!tll ~nn,ll!" i'~yn":;nl 3.d,,0.-.:: t"!C:UC: ~"'c J. ,c;>:u~1G ,lieU! ut p:ll'Jor w Ji,o;l ~'f .wa'~....n"l dC!'lI, vr tiIlJln..,.! ublil.:Jtlun. '- ' -"_OI'!\~_O~_ 9 ."_u j:o.l'o YII'= There ~:~~lL_ y,~ if8 t'1!ll..-rJ'l).-;.<:r.'IJ<; '-- (),"e,nk~~.,ix 'Ar:- yo" ~ us (,:Ll'::Il' y" HaVG"'-'uu"'" "lOOh=i<nJ(l>q: :::'YCI ,\;c ~flU" C,,",'Yl~kCrOIl A~i~-;;-- ;::Ve_< Yeu ___~.__._." .-\ ~on"-um..,t" c:-euit report muy hw r'aq,UE'r.te-d :n cotmer::tum w\th !.hl:\ :tJ)'Pl.icRtion and wIth any rfln8wala. updatl"e or l"1t.tl",},han~ ..r any new cradit extimded as d result af tb& 3ppli.C:!.l.ioll. The :redlt l.l.all)u, 15 rely ((tit on ""nlll you I>la.ted U\ thl'i 1?9lic.attOn and. ::II)\~ al:;k~owl\ldgethat e\f~I'ything (au have atated I true_ lEa l:!'l"dil card is l~u6d:o au s.nd you usa the card (or Its 3ccount nll.:Xlb~r) )1" ilutnol"iz.. it 1.110 . you 3.g:rel:l that e.u<:h ...4~ wiI n",titule y~ur ...gn::l1rlllrnt to the tarm&. <}( r.he :3.l"dholder a eeC1. t that you r~celVC fTom thn r It un:on. You grant U/I a sec:urft itlter~~t n 9011 of yo r ere' 't: UnioQ Shar~9 in Ace n No. G secure our ell d ob ,atioJ\ X ______ ~ AP,!)!.lC.\,,\;TSI>IG,. Ie 1--ltL~ >JATJ: x "ATE 'F"0R.'(::REDxlfm-NrON;:gSE ONLl' . . . I .... ,.~". '" ' ..,''' "., '. LJAPI'ro""";Do<~i"..j,;c..:.u~ci;;;;'.' ,;:. ~C..int:ACco~ni:#. '..... ',' ' "..1....'.. ~.CDnuma.e:e~r~9.ff.~~~i~: . -C:,"':\ '1 j ,,-..: 0"".'0,,,,," ":rtmt ~ J{;j;/)' ~ .""",,, A -, '2 54 Ii ".."" I VI",..,,: v,,;~,- .\blke: V.dw~ The i.nform.3.tlOn ?.bo.ut tb.e I.'.o~u. of th~ ('.ani dl!scribed 10 this. application is ~cc:urate as of 2/00. This inform.ation may h.ave ~h.9.ngAd Ilfterthat d:ltP. 'To tind out what may have changed. cail or write to UI} at the number or location li,;ted ~bove. i\nnua~ percentage rate for purchases Grace period for repayment of :.ha balance for pUfchasc5 Method or computing the baiance for purcnase'3 and cash :uivs.nceg 12.90% '25 days Average Dally Balance (Including new purchases) Xone ~inimum Finance charge Tr::tnsaction fee [or purchases :'-lone Annual Fee ~one Other Fees Ovcr~Cr/)dit-Llmit Fee Late ?:l.yment Fee.. ......................_ iften (10) or mQrp days latp. . " ... $10.00 $10.00 ~- CU?'lA Mutual BUoliin6ss SarvlC~e6, Inc_. 1991. 1999 Rev_ 9/99 Vl!l";) DETACH A..."lD J.t.ETIIR.,,"'Il THIS APPLICATION TO YOUR CaEOIT UNION EXHlsn A '''',~~,i~p,I((!jIit'-l@Illmi1I._. ~r~ .,~-- ~....,...,<'I .. 27512cv ~~ ~ _ ~ 1'!l1_ .--. .. / ,----'--,- I '0~13S0 I I I I !"~[~i~ 5U)ni T ..il;.1rS5 C11AI'li:i'5 0." j~( D(i,loCl'fftSl( ("'\';(Ll.li'( FLIt" O;'l'/. I r::-::: . f~'..c)..~rl I I I j A~E~ICMO.C~ ; C V to SPQ~r!N'; G~EEH n(CHAN!CS3UR~ PH ~ZD2 9000 ~006 340J VI.,OI' OIO~'S".01.0' t....:) WlJ.uc. I;"'05a-2:39~ JArc I, lllfGUNl' or .AY",Hf (ttLL?'[' ..e" '~L.....;:t "'IMII'IU" JIo"Toot.., ",,"''''C..f , 1" .1"'00 ';:{;3.81 15,00 .'G"""C"'OO .1ASvN OS9(CK j~g ~L T C'ON~ AV( PO 90x !l l:NOLA AMCR!CHotC~ ~.C.U. PO BOX 67001 HA~R!~BURC PA 17tQ6-7QQI Po> I,02S-Z'SOl at 4;~a<: 9000 000"; 3.4.03 COOO1:S00 OOOZZ~SI 3" rL~~SE !l(';'ijRl'l iHiS rOR'fiON ;0 11'$uR( PROP(R (RE~tT gO .0; 5;"l( CH((~ II c"w~ ,." j '("0 I..OU'.11:5 1'01 I ."'''ll.''ILt I AH(RICHOIC( .- C V (.loP!) Io4U"'1'- C_C'J:T PO SoX 60070 IL--- , HARRISBURG P,," 17106 T r ,'~ 4....00 4202 9000 0006 1403 Z50 26 (SOO, 43"3 0505 NPlTL 800 . I t717) 697 3474 C 1>;> I) COO'lil . , HCC il'l)')Tl"'" .R""" I .r~[.[~cr ~~y(. Co)( UAf( JAr( Ol'lC_t"Tl01t _"'OUN' ~- I ~~'~407029969000Rl 15698' SI)".)l 10 16 10 14 GADZOOKS :<<450 OOOQ4'507 23.8:$ I 4A~RIS8uRC PA I I 24~55al02S9029050J8~831 S8t2 to 16 10 '5 ':-L v t~:c J COUNfRV MARKE to.82 CARLiSl.E PI> 24399000290909123239409 531 T '0 t7 10 ,. KMARf 00009123 Er-lOLA PA 37.09 24399000290909123288417 53' 1 10 17 10 I. l(MART 00009123 f;:NOLA PA 2.6_40 24J99GOO2906d901~312092 $&11 10 .7 to I. S iRVC TURl: 00000343 ~I .98 HARRISBURG PI> 24~64070Z90r062335Z~S62 '5'54' to t7 10 t. MOStl. a~f55S53r E:NOLA PI> ZS.OZ 24164070290106Z98628596 5'541 '0 17 10 14 t108Il. 096'5'553' t:NOU~ PA 3".66 24t64070290t06ZSg629752 S54' 10 t7 10 , 4 r10R!L 0"655531 eNOl.,", PI> 6,00 24445000Z90260986887863 5411 10 17 10 15 GIANT ;'"000 '" 1 SIa TJ.41 (~OlA PI> 2AO~10S02902S3990470471 7841 10 17 10 15 novlf.: MERCHANT ENOlA PA 4.17 ~4492eOC2~a118g460a06~7 5:8'12 10 t7 ID 15 <;:';MI"'!EflDQLE: DIl-4(Q (NOLA P" ZZ,ZS l4'~407029Zt062~42794g~ 55'" 10 19 10 17 MOBIL 096555:;' E:NOLA PA .e.01 24f~4070292'C6Z642796S1 5:541 '0 19 10 " MOaIL. O<)65'5S3T (NOLA PA 17.3'3' <A2d6$10J!B56l09COt5015 5999 II 14 II 'Z NAVV e:;<CHANG~ 090015 6.79 CREAT LQ,K(S lL . . . . ACcess TO YOUR P[RSONAL CREDIT CARD QCCCUtlT tN~O~MAYrO~' IS NOU ~vAIL~aL[ TO yo~ 2~ HouRS ~ DAY ONLIN(. VISIT UU~.MYCCIN~O.COM TO vIEW vou~ ACCOUrlT rPIFORMA1IO~' ~POM THE PRIVACY or YOUR OWN ~ERSON~L CO~PVT[~. I I I , i . I I I ,u.Jct.r fo ,.,.._C( ("....~c_ "C.lOoIUC to..(5 ':.....NC( .......v...to _c:t;ou,u ~\I("A<.( ll"''''.v 1-'l..aOol(( .'U( ...... C...a.cc ~(Ilcr,..r;llr.r .'U( ~U""'U~"Y PlJRCl-'tASe:S 0.00 1.0750% 12'.'90% 0.00 12.9 "~"lIt\JtOU'"li."'l.IlINCt I CA~H 0.00 1.0750% 1,z.9Q% 0.00 OlINI"tJ"""Y"l.HT l"U"CNI\'I(!l CASH F"EE D.DC 15.09="~" ! DAVS IN CY'CLS: J.? TOTAL 0.00 ,.""r 'IJ( It'(tltf~ I 0.0 "'i'He"".,., "U(...~:"rr ....., rCt'l: ~11~lJ.I:"'NCS: Ii Ii . C. l'HC:" (.....~[' II ~I'II" PlIIVI'I(Nf 111ANcr c~Q,"cr: ! I 15. [l.4 )1\l..IlNC( FIN~r~CE ~H~~G~ ~ALCULATI0N M ,HOn. c r PURCH~S I G C~SH ~ VANe I "Stt REV(RSE SI!)E: ,Q;l (XPlHIC>tlif;H w........ .r ....... un..t (\ "o.c)tt>.oat r il~H' Qrrnmtt T~r PC'1:nnnl( RRt( 5\:'Ht fllit'rtlAl PtlU;:!,!'ttAC,.!: RAT( rR~~1 l'!RY VRR'r' . . . . . TO ~rpO~T A LOST SQ:)-Q91-<l961 717-6<J7-J.:.;"".: OR STOLEN CARD PLEASE l.OST /A~TCR HRS CR eRn COOP.O!NQTO~ CALL: 0.0 I 0> TOTAL P.05 ';i"""J'j;fim."""E)..f.j;.._,,.~_~,, ,,"",.j" - ~ . ,~ ~ .,.- ~r'-"'" ~~ . W~._,~C !~ AmeriChoice ~ =-1FEC'ER"A.L CREDIT UNION Cumberland County's Community Credit Union October 16. 2001 RE: Loan 32548-30, Savings 32548-01, Visa #63403 Dear Mr. Osbeck: As you have chosen to ignore our efforts to bring your delinquent accounts to a current status, you have left us no other choice but to declare your accounts in default. The amount needed to cure your default at this time is $2283.91. August Loan Payment September Loan Payment October Loan Payment September Visa Payment October Visa Payment November Visa Payment Negative Balance Caused By Fraudulent ATM Activity $262.13 $262.13 $262.13 $12.00 $15,00 $15.00 $1455.52 It is imperative that the Credit Union receives said amount on or before October 30th, 200'1. Otherwise, we will proceed to exercise our rights to protect our interest in this matter. Plealse be advised that the costs incurred to coilect the account will be charged to your account, which will add to the payoff of your accounts. YOUlr immediate response to this matter is expected. Please contact me at 1-800-240- 4364, extension 3500, during regular business hours. erely, -/ leve J Bonetti Adjuster ,\<bin Office: ~o Spornng Creen OrlVr.:.'. .\4ech.lnicsbllr;;. PA 17050 . Phune: (71 7l (,Q7-J474 . F;vc.: i7171 697-J;-' ~ P~I1!iboro Commons OffiGe~ Jib E.JSI Penn DflV~, E:10j,\. PA 17025 . Phone: (717: <)09-0460 . Fax: {717190tj.04h5 ,""echanil:~buf1; Offic~~ ';2(,7 E.b~ S;mpslln r(~rry Ro,lo. Mpt:h..mit.:5bur~. PA 17053 - Phone: (71;1 ::"9S.....UJ(]O . fa:x: {TIll h<')7.7U52 E~. IC(:\l)OfnlnHY LE~OEA o websjte-: ......ww.lmc.:'ric!)'''r.e.org . f.m,llll.l.. -rl7mugh Ol1r W(..h~;lt.' lit ~NCWl;g .........ll.. __ tKO'i:a ..- '-"!l>iT~~~.'!j!iJk,"__, .'l'''''"''''"f'I'''--''!' - . .~ ~ "1'~O ~." ..,...... C:;,fDlTU"'I\)~S' " - ~ , ,~ .""'~"- . 'I.J;;''-J,j'oJ' .oJ , .U~'UoJ JAMES-O, FLOIVER jO",'l E. SUKE ROBERT <:, SAlOIS GEOffREY S. She;FF JAMES D. flOWER. JR. CAROL J. lINDSA Y jOHNNA j. KOPECKY KARL M. LEDEBO",\f JOSEPH L HITCHINGS THOMAS E. FlOWER LAW,OFFl<7cS SAIDIS, SHUFF, FLOWER & LINDSAY. A PROF'"":0S510NAf. CORPORATION 26 WEST PJGH STREET CARLISLE. PENNSYLVANIA 17013 TEl.l':l'HONE: (717) 2,;:)-6222 - F ACSI;VI!LE, (717) 2~3-6486 E)"lAIL: attOmey@ssfl~law.<:om www.ssfl-Id.w.com . (~ ~CY3 \ Octaber 29, 2001 WEST SHORE OFFICE: 2109 MARKEr STREET eMU' HILL. P,.... 17\)11 TELEPHONE: (717)737-340S FACSlv!ltE: (717)737-3407 REaVTO CARLISU: Jason Osbeck VP-45 PO Bax 83 HA.S J"P-_'< Jacksonville, "L 32212-0083 nea:!:" Mr. Osbeck: Please be advi'sed tha\: I represent Ame:::-ichoice Fede~al credit Union, with whom ya~ have several delir.quenc accounts. According ta my c:ier.t, the following amounts are needed to cure you~ def:aul:. as of this rr.onth: I Lean Accou~t ~J2S~8-30, totaled $786.39 2. V~sa Account #63403, totaled $42.00 3. Negative balance en your Savings Accaunt #32548-01. totaled $1,455.52, Total ~ $2,283.91. In the eVe~~ that yeu do Qot send 9ayme~t either to myself or to S::'eve J. Bonet:i a::. rr:e C.;:-edi.:: Union or. .or before the expiration of 10 cays of receipt of this letter, the C~edi: Union has authorized me to 9~oceed to ~ake f~rt~e~ le'sal act ien egai:1st you_ In t~e eve~~ that you dispute any of C~e amounts due under th.:.s accour:c, please feel f:cee t.o Cor:t.act me ~~nediately or have yo~r a~tor~ey do the sa~e. Other~iset we expec: p~o~pt pa~errc C~ yo~~ delin~e~t ac~cu~t. Sincerely, SADIS,~t'LOW.P & LINDSAY " -"7 ........ ......_~'" - ,- / - "f E ~o,-nr-a(~. ~ovc~ y J.]'K: tern / t:- ee: S~eve v. BOhetci, Amer~choice Federal Credit Union Comna~de~ HUSh Cock C.O. "-'1'iil,~j@~~"~~,~="", ,-- ,~ ~. -" - , . '" w~ ~r _ - ',"""~ ~._~~ ,~~~, ..,. ~ AmeriChoice -- 1FEDERA: C~EDIT UNION Cumberland County's Community Credit Union December 17,2001 Dear Mr. Osbeck: Please be advised that we have sold the 1997 Chevrolet Malibu, which was held as collateral for loan 32548-30, After applying the proceeds received from this sale as well as adding the expenses incurred to collect this account thus far, as well as your Visa and your negative balance, you now owe the Credit Union a deficiency balance of$6878.34 as of 12/15/01. The breakdown is as follows: Principal Balance Owed: Loan 32548-32 Principal Balance Owed: Visa #63403 Principal Balance Owed: Negative Balance 32548-01 Repossession/Sale Fees Total After Expenses Incurred $ 6206.64 $ 5)6.18 $ 855.52 $ 650.00 . $ 8228.34 ., Proceeds from Sale of97 Chevrolet Malibu Final Total Deficiency Balance Owed On 12-15-01 $ 2000.00 $ 6278.34 The Credit Union demands repayment of the above deficiency balance of$6278.34. Otherwise, without further notice, the Credit Union will proceed to exercise our rights to protect our interest in this matter. Please be advised that the costs to collect this amount will be charged to your account, which will add to the payoff of your debt. Your immediate response to this matter is anticipated. By, J " / MOlin Offite: 20 Sportir\g Gre~n Drivl:!. :',ll:!r:h.anic.:sburt;. PA 17050 . Phone; {7"t 7) l)c)7-)474 . Fax: (71l) (l'l7-:\713 P~nnsboro Common~ Office: 326 East Penn Drive, Erlt)l.l, rA 17025 4 Phone: (717) '}OC)-04flO .. fax: 17l?) '309-0463 Mechanicsburg Office: 'l2b7 E:.J~L Sjm~()n I=tc!rry I<u..d. Met:hurlit:shurg. PA 17055 .. Phone: (711) 795--4&)0 .. fax: (7171697-7852 Websife: www,amprichoit:e_mg .. t-m.Jd Us Throug/l Ol/( WelJsire 1ir 1-----1 ...:!.tlClJI. 1,~!\#~,Jf;~~' ,,]I!! ,~ _ Jr, . '.n ,~ ">_,.LX . '1',,".- ~ ~ / / .. , , 'j ~llh, .4 ....".<,., TOTAL P,02 .." .. ",. '1: ._ c, ,,'~ ".~-, "'7~ - "_..~~,....A (') 0 0 c: ~n ;;:: c:l ..4 ~m f"'1 ~.., fTI n A1 fTI Z:D t3'> 1",) -c'rm ".----'( --;.- r-'~.L -<~ ~:~~ ~Cr ""1:l ~O ~. - ~~~ ~O ~ >c:: ~ ,::> ~ ~ MI .,,< \_<'c. ,-'-'_ ".~ _ ,,']TIJli;.m"'.wr'\;';~1iF"F""";";ilnfY~-\M<Ji~~~~~~~~~-!!@T.~!i!fiW!!l!,iIijila~'.H~I~~ SAlOIS SHUFF, FLOWER & LINDSAY ATIORNEYS'AT<'LAW 26 W. High Sltreet Carlisle, PA '~") ,,>K,' ,<_~_"''''' " I Johnna J, Kopecky, Esquire 10 #53147 Said is, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486 e-mail: jkopecky@ssfl-Iaw.com AMERICHOICE FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO,: 01-6997 Civil v. CIVIL-AT LAW JASON OSBECK Defendant PRAFCIPF FOR nFFAl1I T ,lIInGMFNT TO THE PROTHONOTARY: Please enter a judgment by default in favor of the Plaintiff and against the Defendant(s) for failure to Answer the Complaint In the amount of six thousand two hundred seventy-eight and 341100 ($6,278.34) Dollars, plus interest, attorney fees and all other costs. I certify the Ten (10) Day Notice of Entry of Default pursuant to Rule 237.1 was mailed U. S. First Class Mail postage prepaid and is attached as Exhibit "A". Respectfuily submitted, SAlOIS, SHUFF, FLOWER & LINDSAY Dated By: Prothonotary AND NOW, this/;tay of II1ARal ,2002, a default judgment has been entered in the amount of six thousand two hundred seventy-eight and 34/100 ($6,278.34) Dollars, plus interest, attorney fees and " .f'" ~ _~ ,r.,," ,. -."-, - --,-,(-~-, - '-', ". - . ~ ~ .~ - ". II.- II Johnna J. Kopecky, Esquire ID #53147 Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486' e-mail: ikOpp.r.ky@~~fl-law com AMERICHOICE FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO.: 01-6997 Civil v. u.~. POSTAL SERVICE N. v BE USED FOH DOMESTIC AND IN1ERNP,T\ONAl MAll, DOES NOT pr,: VIDE FOR INSURANCE POSTMASTER I JASON OSBECK I I I I TO I I ! I ! i DATE OF NOTICE: February 25,2002 i I I i I II IN THIS ::~;R:~~:S::~~TA::C:~:H~:~~:(~~~ ::~E:R::T;: ::;~O: 7H::~:; :OU II II JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY lOSE YOUR t , PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A l.4.WYER i III AT ONCE IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE II THE FOllOWING OFFICE TO FIND OUT WHERE YOU CAN GET lEGAL HELP: I . CERTIFICATE OF MAILING CIVIL-AT LAW Defendant Jason Osbeck VP-45 PO Box 83 NASJAX Jacksonville FL 32212-0083 IMPORTANT NOTICE Affix fee 'nere in stamps cirmeter-p~tagear1d postlT1ark. fnquireof Postmaster for currant .reEl. Bar Association lue 113 66 as Recei>Jad From" Law Offices Saidis, Shllfi, Flewer &. LiAlIllay . 26 West High Street \-ISt. Carlise / One piece of ordinary mail addressed to: , ason s ec VP..4!; PO Rny R"t NASJAX .Jacksonvllle FL '},,21l-uUll') '.,' ;;.',:"i".--:' , -....",~- , ~ .,. , ~ ~>,_~.,"'ll!'l'~~~"T<l1""!'" '~'-'fB""= Johnna J. Kopecky, Esquire ID #53147 Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486 e-mail: jkopecky@ssfl-Iaw.com AMERICHOICE FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff NO,: 01-6997 Civil v. CIVIL-AT LAW JASON OSBECK Defendant TO: Jason Osbeck You are hereby notified that on !~ ~;J.--- 2002, the following Judgment has been entered ag inst you in the above-captioned case. Date: I hereby certify that the name and address of the proper person to receive this notice is: Jason Osbeck VP-45 PO Box 83 NASJAX Jacksonville FL 32212-0083 ;;"~,,*i'~~~,.. , ~"111- -"7-: ~'" :r. ~~n ... - --~" C- C2> ~. ~ ~ ~ t ,2- _TIlT "1~ (") C 2':. -ot; . r-n\", ~;;--- --. '-.N ~ DC) ~ ~ 8 .,,~"-,- (n..}.: ...<:. '" ~~~~ ~~.~~. ):;.~ c::. -1 v, ::2. ~("":) ~-"" ~ ....- ~ oa. .....5:) - ::i7 CL- (j) ~. C5- _D' ~ ~- \_) -T-::::::, C;::.' r"-.) -."'_: "':;.0 '--~' ", ,;, . -'~. C;,? -J'\ ;p w_~"'"~""-, _,~~ )!,l_~~~ ~.~_~~~~m :~Iffi_%"mW~WP't~"'>'F"""~-"!)"'Ff0O--;_)'''F'''YIl'~'8P.~'jFi;\j"''~"''!r;::'"lJ'iO;:79~1i?Jr~Wf'"t'',B"''t.ll'"m~!~:W!K .' SAlOIS SHUFF, FLOWER & LINDSAY ATIORNEYS.AT-LAW 26 W. High Street Carlisle. P A " Johnna J. Kopecky, Esquire ID #53147 Saidis, Shuff, Flower & Lindsay 26 West High Street Carlisle, PA 17013-2956 Telephone: 717-243-6222 Fax: 717-243-6486 e-mail: jkopecky@ssfl-Iaw.com AMERICHOICE FEDERAL CREDIT UNION Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL-AT LAW NO.: 01-6997 Civil v, JASON OSBECK Defendant AFFIDAVIT OF SERVICE I, Johnna J. Kopecky, Esquire, do hereby certify that I served the below-named parties by Certified Mail, postage pre-paid, the Amended Notice and Complaint in Mortgage Foreclosure, on the date and time reflected on the Receipt of Certified Mail number 7000-1670-0001-8796-7355 dated January 15, 2002. A copy of the said Receipt of Certified Mail and PS Form 3811, Domestic Return Receipt is attached and made a part hereof and is marked as Exhibit "A", Jason Osbeck VP-45 PO Box 83 NASJAX Jacksonville FL 32212-0083 Dated: March 18, 2002 Sworn to and Subscribed Before me this 18th day arch, 2002, NOTARIAL. SEAl. RENEE L. MURRAY. N!lWr /liY!lff6 Ca~ls'. BOlO, Cu,!,bp.k'" f'." p~ My Cnmmission Ex""- n (t...kr l~, , . , ," ',-~~,""'~~"::'~-,. -,,-9"'~_ ",~"o_'C " ~'.-_, _,- " ""P- I - , '*~~~-<o_?..,""_",_"",__,_,_"rur" "''''', "_,,,_ "" By: ,.... ~,~ .. ,,- .. .,.. --''<'' . 0 G () c: j'v , ., ""1J 0: j-; rn [T- ~_-,:J , ~ ~. _is I,.!.:' ~ r;:: ,--,J "" C' Z y c' C:::J L"._. =2 ,. (,;, ,.,~IjJiIJili.,,_-,~._ '"':ry<_'w"'.,--_._:,,_,/-__-,_J~!jii~~s;-.'*'f~',\.."l}~W;i\'41!~"'-~~~~""'f=-~:~^,~_~~~1~ " . Di.rect Query - Intranet ~ IlNf7EDSTJJTE5 ~ P05TLiL5ERVICE Track/Confirm - Intranet Item Inquiry Item Number: 7000 1670 0001 87967355 This item was delivered on 01/15/2002 at 13:08. Signature: ~ Address: '~ 45 ~ ~O; (3 ~$ Page 1 of 1 CJ http://pts.usps,gov/netdata-\ ~ ! "'i""~'_l,,,,,~~w.'ll~_~_Il!I'IPI~ '.~_ " , Enter Request Type and Item Number: Quick Search to Extensive Search r ~~~ Item Nurnbcr: Inquire on multiple items. Go to the Product Tracking System Hom!!Pag". LI1 LI1 IT1 ..... ...lI 0- ..... '" ,,/' .'57 , 2,\0/ \,SO \,. '3.20 $ 7.37' -::--....'." /' ,c.n "\ J' .>" Q~" I .... ...-' " ('-vr~?"m' \ t~ H,,, ' \" '~:lll};), '<~>":i ---. ~;.',:::\--\/ ~'~-...':~~,~':~....-~ Postage S Certified Fee Return Receipt Fee ,...;:f (Endorsement Required) CJ CJ CJ Restricted Delivery Fee (Eildorsernent Required) CJ ..... ...D Sent To rl Total Postage & Fees Jason Osbeck -St;eerAp-t:-No.;-o;"p(r~5'PO-Sox-83---nn ,'_m._.____m__n_...__n___. 'Ci~,Si;i':ZIP+4.m....~:j.~~viiii"FC322'f:!:008:r...nm ..nn'...,... ! . . . . .. - ,. .~ ~-,. ~,,].!"-',.;ry;~ .l'" ,~-~""-~~-,-,r;='~""P'='''_'Ji!_1!III!i1'11!!l,,.J<'_''~ 2/25/2002 ~~-~~f~'*"~'ll!i;;('!"-'_' ., C> C} C C i",) '-,', ~ <,r --. v ( t n , V' I' i::"::": -" "'" f~' -, I /~- :"1 G~ ~L) , , (') "-,. " ""'" ,"',", C- , ;:.: r':" ,~, ;\~~ :;;: ~.j {::) ) :2:: ~~~ :( ~ :c (,0) -0( ., ~V' ~~_""~~""'_ ~ 1l!II)l~:;il~Nilffl~Jf~l~'Jq_~~~~1'!i{~fl,%'~rl."":;:';W~"-''')!''''-~-' '---",'