HomeMy WebLinkAbout07-1942BELCO COMMUNITY CREDIT UNION
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY PENNSYLVANIA
Plaintiff
VS.
KO-FAN CHANG
CIVIL ACTION-LAW
N0:
Defendant
N 0 T I C E
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, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE
ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Legal Services, Inc.
8 Irvine Row
Carlisle, Pennsylvania 17013
(717) 243-9400
N 0 T I C I A
Le han demandado a usted en la corte. Si usted quiere
defenderse de estas demandas expuestas en las paginas siguientes,
usted tiene viente (20) dias de plazo al partir
de la fecha de la demanda y la notificacion. Usted debe
presentar una apariencia escrita o en persona o por abogado y
archivar en la corte en forma escrita sus defensas o sus
objeciones a las demandas en contra de su persona. Sea
avisado que si usted no se defiende, la corte tomara medidas y
puede entrar una orden contra usted sin previo aviso o
notificacion y por cualquier queja o alivio que es pedido en la
peticion de demanda. Usted puede perder dinero o sus propiedades
o otros derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Legal Services, Inc.
8 Irvine Row
Carlisle, Pennsylvania 17013
(717) 243-9400
BELCO COMMUNITY CREDIT UNION
Plaintiff
KO-FAN HANG .
Defendant
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO.. O*Y - IQt/?
CIVIL ACTION - LAW
COMPLAINT
1. Plaintiff is Belco Community Credit Union, hereinafter
referred to as "BELCO", a Pennsylvania Corporation with an
office at 403 N. 2nd Street, Harrisburg, Dauphin County,
Pennsylvania 17108.
2. Ko-Fan Chang, a Defendant, is an adult individual with an
address at 3512 Green Street, Camp Hill, Cumberland County,
Pennsylvania 17011.
3. Defendant applied for a L14 Loan from Plaintiff pursuant to
the Application dated March 2006, which is available but not
attached because it contains social security numbers and
other personal information.
4. Defendant's delinquent balance on the account is $7,836.35.
5. Because of Defendant's failure to make monthly payments and
in accordance with the standard Security Agreement, a copy
which is attached hereto, marked Exhibit "A" and made part
hereof, Defendant owes an attorney commission of $1175.45 for
a total of $9,011.80.
6. Defendant also applied for a L2 Loan from Plaintiff pursuant
to the Application dated October 2005, which is available but
not attached because it contains social security numbers and
other personal information.
7. Defendant's delinquent balance on the account is $10,720.20.
8. Because of Defendant's failure to make monthly payments and
in accordance with the standard Security Agreement, a copy
which is attached hereto, marked Exhibit "A" and made part
hereof, Defendant owes an attorney commission of $1608.03 for
a total of $12,328.23.
9. Total due for both accounts is $21,340.03.
10. Defendant has failed and refused to bring his accounts
current.
11. Defendant is not a member of the Armed Forces of the United
States of America, nor engaged in any way which would bring
him within the Soldiers and Sailors Relief Act of 1940, as
amended.
WHEREFORE, Plaintiff requests entry of judgment against Defendants
in the amount of $21,340.03 together with costs of suit thereon.
Respectfully, Submitted,
L
Date
?vl
Arthur M. Feld, Esquire
Attorney I.D. No. 07172
1309 Bridge Street
New Cumberland, PA 17070
(717) 770-0292
aea,uT51 i T ACaf1CG1VICIV 1
ere or '
to' e cr;di?. _.. i if asked 1,o do so
MUI, ;ir., on i s and anyor .
LO,ANi INE edit a7reemeni All rife "ra ` F ; rl get a refuno the creait union has a right to
al_ourit
in 'a box abetG ?i Ba.anu .? . . r' "erence,, ' eau
l, !lip pluper y is lost or damaged, the credit union can use the
person who signs His agreemer; th
i e aan: to r pair the propelhy or apply it towards =rd-fat you owe.
r uh u t 'ndorse any draft or check which may be payable
THE SECURITY FOR THE LOAM - By sir Fc `hi? ?er,,ir!' h,? r the ore r in ion to collect any refund or benefits due under
signature area or under the statlm?ni e , Diu:: agree n„ s rn~ our ;nsl ran r=r
the back of the check you recen,c for tai ar Dance. you give T le cr 't union ,
what is kro d^ as a ei:urdy In., . it the p?coert
y described in th~ eeci ty uu or, not !;ay *'to .axe r fees on the pro er when due or keep it insured,
p y
,..u
0l
?reu s „t,l,;; security interest w give 'nClud ae all ac r,s. r.
dit ar nay P obligations, bc`. Is not required fro do so. Any
Accessions are thlrros which are attached to or Insfa!ie,! I i-ile propel-I_; now sN Has for taxes fees or insurance will be added to
c In the ;tune. secul-T ,= Ceres; also in.uaae.. n ul the yai,,_e and you v,,i l na; ;merest or those amounts
Prope't? hrlr.^;i -vso , e c h, rp . flay on the advance If the -edit union adds
or reftnancin '
ILIGHS ?I';' ' Of Gun. o ;?? J J anee . 7J e Unpaid Doran e L-{ VDU." advance,
Ci . ,, Inc ,.,rd by `?.F amount iyeressar for the advance
e
C'
u r rj b- Sr F or .rnC':Ui-'a
_.
(=
ai? a
acu
? a51o..
.. _.. ?? .r?h
-tfLT e ? default if you bre31, any promise you make under
WIHAf IHE ?u Ur €+ I_ ENES COVERS - ir! t " I rest cofesthr this anrpenieri r.I will also he in default if you are m detaidt under the
advance r u e, e ?a_i , r .o an I-- .. "+ :n . 'r eledg ng arGpem hut have not signed
secures ar then nr.
any es you raver v .I to ha?re ,irn III, v i:il be in nefai ,t
_ rr Cone r
Is in defaul.
L=OANLINER^ Credit,+rr em and any u.rr L m oL owe the .,Pdil un nr as _r " Gr3diI Agreement.
eason no:
for any r if the pt!-
At CrPENs it ti IN DEFAULT y hen, ; . r default the
r. etr,r r = uu r t i -r.I^ y r :,:r e Date pa =Irient
Practice rluie, the a,opertywill secure only y thy. ar _ !c of under i ?u ,., v'hat, c Gore ?_nde ,Ili -CAVIL i n F
EP = ed!. Agiee ne ,I a 'a.ke possession
you owe: he property. You agree the credit union has the right to take
ossession
"ANNERSHIP OF THE PROPERTY - "ou pmmi ?. veu own the prt oe ty, p
of the property without going to court and without giving you advance notice.
or f th's advance ;,,v in, tirooerty, you 'o?d n <Gu will use il,o a,wancs: rou are asked io do I . 0 unlor. you promise to oet ve,- the property
,
u Ilat. (i J Go r- ill aI r. (' one 8i .e - ,n y Iflt£'rP ?' i lair-, ` n d'1t C12?c uri. nri r III no._ u,
,'
?? GItC' I t. e .Jt Pl early a Ii, „ieo _ Inloi ap l= t? rtspc° .,_ 2 t?,. .r6? 2 ?. «h::
orn se no! . soli or Ir a„ e tit cr* or t
c p to a?„as sec.l ru,c r- ,.nh l8aa I,Is:,
r
another creditor until the adva >c . , if-,paid, You proinse you intl. a low no ? cunt, 0 ''-Gr' or make . avaJab y u to ,,,aim.
C 'est. or ed to at a' h w ac`ri - , 4 .f - ._.-. fh r rii _. es.iGil of Yn +
ie property, it can sell I, and appiy
n.
aw,
r money received to ,ny m_;lnts you ovre the credit union. The credit union
liiTt4xl iu "iriE SECURITY sNi yt + ,
EE your state I'eS 0 ii (Gr the it give you notice ,' zr u;"?ic sale or the date aftrr •.Yhich a private sale
N -i you promise to have the creed Unions security interest shown oti will be held. The eX[`P,nSP,S ht thP, credit union for taking o0S>e$SiOn (,if and Sellinn
e !ith. Ta= .,, _..t union may have ; toa`ICIF ; zte leht 'he property will be d:d ,;led from the money ecHved frl , the aL ,..
lo proteci pr(,
?.
,
C'S iG the -ril i18r nde sta.F .Er
ix - r 11
. 'r.i,r, 4tk? .I ,.;itri ;L` i I r Car a r, u ir: ale G I ;)c,rr tr ,a,
?ou ill _ iijei lyre ICIAI ! it D ,e Ijt Agiee H'.
I!uEOE P15PFs c „r.. tso ha',i . ! r: rim, ]Mount
J i t / care i! 11 r'u ,,e r it III gr U CU '.i r r .taxi V frtleii One i be r appl ed l0 ine Uno l I balance
re m Fir(, ma u
', h?irf,t? 1 r i rpPe rty,.
he at,var. J 3u 0 ha v( '. ? agre lent you Arrel o nay
+ r -
r
e dt ur ,fore " angrrs your ac;! a i s r._.. reRf {ri that 2i.rGUrt at the Sar;B .;
' i
..
Lvnere fhe property IF vepi the credit unin it .-!e',; , ta._ DRe,0 ?
v l ..n paid!.
IS Promptly I o ify i the pr pony i ? vu.,ut;:
' ',y ,.,. I ND CHANGES IN THE ACREENIENT -' ne
5)
Not use r e p; ooh t; unlawful purpos. t I inn r ?n = 'lifon tg all,' of its rights under this a mement any number
PROPER M. §, ACE gA;"FS AND FEES - u:. i. yak a{tpaxes tl nt ;h,< . ll : t,r ' . , r?sr ii r th?s ia.e .the ried!t union
and f e; ;'Ike regisuatlo ee i due on the pioucrl and to keep the' property erif yr f is ,ghee n au . ?s, you heirs ur Icgal representadves, if the
nouiea against loss and carnage. The amount, and coverage of the property, an J? th? 4!;c 'hER G ?dlt_ r_r e?t you agree
?c al?c. u.,'::;i, acl rip _iole to c c;udi? inioii. You vic.y fr.-, vide the property, r' iI? 3- ug -:,,,,Tien? will cont e „ 'err-?.e0t the credit union.
thr uhf.. a nnr.. t' }iou d!rl.v7y h o it 9 prll(v vi i `7rt .,NTiNIIFO -FFF0Ti1 FNli l v r of tf rjr:. - (i
in o
'
'
P L, .. l r ., p !TI; ..i nake the insurd i c poG r, r .y yJlB )r -. I. m
D
-
a L , r'B L,
7-10113 TFININESSEF CREDIT UNIONS ONLY - -- - POR NORTI, DAKOTA CREDIT UNIONS ON! Y - /` PPIl IF
NO'F CE: ' TOtI do 1 of (1 r ,.L ,te IrSU1anCi1i liltt, rLti:iv ?iC f.u , T
C A
C t nit Ili ?: (is%.r B ihSifr ri't P? rUSrL , V It
r
T a 5:
5 v! r JI i L; I l
h lhi- r:, r ii t j; dill cover 1r l i the died n th8'prG7E' fv`. _
`
The insurance will not be liability insurance !., IHE JLGJREC PAR Y r,
,E JN,U
You have read the above statement and arkr c,,-;ledne that the credit union RECEIVED !N THAT SALE. YOU MAY HAVE TO PAY THE DIFFERENCE
.
has explained it to you.
SIGNATURE. --------,- DATE. -__-------_----
SI star PROPERTY DESCRIPTION ON THE REVERSE SIDE
S GPiATURE
on; - - IS PART 'i OF THIS AGREEMENT:
s oIuE: €GN 1°HIS AGREEMENT ON THE REVERSE SIDS,
--
--- -- -- -
Q(} I.EC3T WRITE BELOW -- FOR CREDIT d7.N!®N USE ONLY CHECK APPLICABLE BOX(ES)
-`.:.T::-r: a2ra€::J.t+r t±^r.._•?->?x?+. ^nz-a.?.: rr+...*-'^sss!a-.-?ss?irs'.?., u.. ..?-? ?--:.,;, .?:.,.x?
a•.
..
>
?;?-+
APPROVED qi $
- _.
.®
.
.. sir:
..?:?x=?zai..e?- _...: _-r...,-,-.....,.._
$ $ -
LIMITS
DA '- SIGNAT' IRE LINE OF CREDIT--
-,''LOAN OFFICER Ail AriG? I r ?vEf j c INS, - -)U „Tg c..EP WILL g[- ii ;!= P.CCEPTED. ADVANCE ArF?C`:ED
I, CREDIT COiv1WTTEE OR OTHER O i SfDE ro r» ip,T:U NS'iDE,R=D:
- IF `iFa ? AT-
f,(;H P.DOiTIOhAL 5NEEf AND DESCRIBE
REFERRED.TO,'REASCi FOR REFERRAL
DESCRIBECOUNTEFt OFFER; ----
VERIFICATION
Helen Lorwey states subject to the
penalties of 18 Pa C.S.Section 4904 relating to unsworn
falsification to authorities, that he/she is the
Loss Prevention Specialist for the Plaintiff in
this matter, that he/she is authorized to make this
affidavit on its behalf and that the facts set forth in the
foregoing pleading is true and correct to the best of
his/her knowledge, information and belief.
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BELCO COMMUNITY CREDIT UNION COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PA
VS. NO. 2007-01942
KO-FAN CHANG
CIVIL ACTION - LAW
Defendant
Would you please enter judgment in favor of Plaintiff and against
Defendant, Ko-Fan Chang, 3512 Green Street, Camp Hill, PA 17011
for failure to plead to the Complaint within twenty days of
service thereof. I hereby certify that the Default Notice
required by Rules of Court was sent to the Defendants as shown on
the copy attached hereto. Assess damages as follows:
$21,340.03, together with interest thereon from date of judgment
together with costs of suit thereon.
- 0-- V\' . ?4)
Arthur M. Feld, Esq.
May 31, 2007
1
BELCO COMMUNITY CREDIT UNION
Plaintiff
KO-FAN CHANG
Defendant
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
NO.: 2007-01942
CIVIL ACTION - LAW
IMPORTANT NOTICE
To: KO-FAN CHANG
DATE OF NOTICE: May 16, 2007
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE.CLAIMS SET FORTH AGAINST
YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE,
A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU
MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE
ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Legal Services, Inc.
8 Irvine Row
Carlisle, Pennsylvania 17013
(717) 243-9400
OVA I 'K
Arthur M. Feld, Esquire
1309 Bridge Street
New Cumberland, PA 17070
(717) 770-0292
I.D. No. #07172
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
PRAECIPE FOR WRIT OF EXECUTION
BELCO COMMUNITY CREDIT UNION
VS.
KO-FAN CHANG
3512 GREEN STREET
CAMP HILL, PA 17011
Defendant
( ) Confessed Judgment
(X) Other DISTRICT JUSTICE
File No. 07- MA
Amount Due $9198.33
Interest FROM 06/02/07
Atty's Comm
Costs Total
TO THE PROTHONOTARY OF THE SAID COURT:
The undersigned hereby certifies that the below does not
arise out of a retail installment sale, contract, or account based
on a confession of judgment, but if it does, it is based on the
appropriate original proceeding filed pursuant to Act 7 of 1966 as
amended; and for real property pursuant to Act 6 of 1974 as
amended.
Issue Writ of Execution in the above matter to the Sheriff of
CUMBERLAND County, for debt, interest and costs upon the
following described property of the defendant(s) LEVY ON
DEFENDANT/S HOUSEHOLD GOODS AND PERSONAL PROPERTY
PRAECIPE FOR ATTACHMENT EXECUTION
Issue writ of attachment to the Sheriff of CUMBERLAND
County, for debt, interest and costs, as above, directing
attachment against the above-named garnishee(s) for the following
property (if real estate, supply six copies of the description;
supply four copies of lengthy personalty list)
and all other property of the
defendant(s) in the possession, custody or control of the said
garnishee(s).
(Indicate) Index this writ against
DATE: Signature:
Arthur M. Feld, Esquire
1309 Bridge Street
New Cumberland, PA 17070
Attorney for Plaintiff
(717) 770-0292
ID No. #07172
74--J
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-44.
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WRIT OF EXECUTION and/or ATTACHMENT
? i
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-1942 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due BELCO COMMUNITY CREDIT UNION Plaintiff (s)
From KO-FAN CHANG, 3512 GREEN STREET, CAMP HILL, PA 17011
(1) You are directed to levy upon the property of the defendant (s)and to sell DEFTS'S HOUSEHOLD
GOODS AND PERSONAL PROPERTY.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the gamishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $9,198.33
Interest
Atty's Comm %
Atty Paid $160.83
Plaintiff Paid
Date: 6-01-07
(Seal)
L.L. $.50
Due Prothy $2.00
Other Costs
Lepury
REQUESTING PARTY:
Name ARTHUR M. FELD, ESQUIRE
Address: 1309 BRIDGE STREET
NEW CUMBERLAND, PA 17070
Attorney for: PLAINTIFF
Telephone: 717-770-0292
Supreme Court ID No. 07172
SHERIFF'S RETURN - REGULAR
CASE NO: 2007-01942 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BELCO COMMUNITY CREDIT UNION
VS
CHANG KO-FAN
JESSICA HERMANSEN
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
CHANG KO-FAN the
DEFENDANT , at 1538:00 HOURS, on the 19th day of April 2007
at 3512 GREEN STREET
CAMP HILL, PA 17011
KO FAN CHANG
by handing to
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 13.44
Postage .39
Surcharge 10.00
.00
7 Q 41.83
Sworn and Subscibed to
before me this day
of ,
So Answers: R. Thomas Kline
04/20/2007
ARTHUR FELD
By. kam
U Dep Sheriff
A.D.
R. Thomas Kline, Sheriff, who being duly sworn according to law, states23
this writ is returned STAYED, DUE TO BANKRUPTCY.
Sheriff's Costs: Advance Costs: 150.00
Sheriffs Costs: 70.69
Docketing $ 18.00 79.31
Poundage 1.39
Advertising
Law Library .50
Prothonotary 2.00 Refunded to Atty on 07/06/07
Mileage 28.80
Surcharge 20.00
Levy
Post Pone Sale
Garnishee
Postage
TOTAL $ 70.69 ? q ?l ?/6 7 So Answers;
..all
R. Thomas Kline, S eriff
By j0j?
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WRIT OF EXECUTION and/or ATTACHMENT
COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF CUMBERLAND)
NO 07-1942 Civil
CIVIL ACTION - LAW
TO THE SHERIFF OF CUMBERLAND COUNTY:
To satisfy the debt, interest and costs due BELCO COMMUNITY CREDIT UNION Plaintiff (s)
From KO-FAN CHANG, 3512 GREEN STREET, CAMP HILL, PA 17011
(1) You are directed to levy upon the property of the defendant (s)and to sell DEFTS'S HOUSEHOLD
GOODS AND PERSONAL PROPERTY.
(2) You are also directed to attach the property of the defendant(s) not levied upon in the possession
of
GARNISHEE(S) as follows:
and to notify the garnishee(s) that: (a) an attachment has been issued; (b) the garnishee(s) is enjoined from
paying any debt to or for the account of the defendant (s) and from delivering any property of the defendant
(s) or otherwise disposing thereof;
(3) If property of the defendant(s) not levied upon an subject to attachment is found in the possession
of anyone other than a named garnishee, you are directed to notify him/her that he/she has been added as a
garnishee and is enjoined as above stated.
Amount Due $9,19833
Interest
Atty's Comm %
Atty Paid $160.83
Plaintiff Paid
Date: 6-01-07
(Seal)
REQUESTING PARTY:
Name ARTHUR M. FELD, ESQUIRE
Address: 1309 BRIDGE STREET
NEW CUMBERLAND, PA 17070
Attorney for: PLAINTIFF
Telephone: 717-770-0292
L.L. $.50
Due Prothy $2.00
Other Costs
iiepury
Supreme Court ID No. 07172