HomeMy WebLinkAbout03-3363MEMBERS 1ST FEDERAL
CREDIT UNION
PLAINTIFF,
V3.
JOHN R. THOMPSON
DEFENDANT.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
NO.: 03 - 33x.3
C2 C?"r_v
CIVIL ACTION-LAW
NOTICE TO DEFEND AND CLAIM RIGHTS
THIS LAW OFFICE IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO
COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED
FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT.
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 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
claims 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 or (800)990-9108
MEMBERS 1ST FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION CUMBERLAND COUNTY, PENNSYLVANIA
PLAINTIFF,
VS. NO.:
JOHN R. THOMPSON
DEFENDANT. : CIVIL ACTION-LAW
NOTICIA
Le han demandado a usted en la corte. Si usted guiere 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 notification. Usted debe presentar una apariencia escrita o en persona o por
abogado y archivar en la corte en forma escrita sus defensas o sus objections a las demandas
en contra suya.
Se ha avisado que si usted no se defiende, la corte tomara medidas y puede entrar una
orden contra usted sin previo aviso o notification y por cualquier queja o alivio que es pedido
en la peticion de demanda. LISTED PUEDE PERDER DINERO O OTROS DERECHOS
IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI USTED
NO TIENE O CONOCES UN ABOGADO, VAYA EN PERSONA O LLAME POR
TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO
PARA AVERIGUAR DONDE SU PUEDE CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717)249-3166 or(800)990-9108
MEMBERS IIT FEDERAL
CREDIT UNION
PLAINTIFF
Vs.
JOHN R. THOMPSON
DEFENDANT.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO.: CO- 3343
l„ ?[?tl.?f17yv?
CIVIL ACTION-LAW
COMPLAINT
AND NOW, comes Members I" Federal Credit Union, the Plaintiff in the above
captioned matter, by and through its attorney, Karl M. Ledebohm, and makes the
following complaint:
Plaintiff, Members I' Federal Credit Union, formerly DAFCU("Members
0"), is a National Federal Credit Union having a principal address of 5000
Louise Drive, Mechanicsburg, PA 17055.
John R. Thompson ("Defendant") is an adult individual having a last known
address of 142 Emerson Drive, Carlisle, PA 17013.
On or about August 27, 1997 Defendant executed a Visa Credit Card
Application (the "Application") for a Visa Credit Card issued by Plaintiff. A
copy of the Application is attached hereto as Exhibit "A" and made part
hereof.
Plaintiff accepted Defendant's Application and sent to Defendant a Visa
Credit Card account #4287 5900 0002 7991 (the "Visa Account") and a Visa
Credit Card Agreement and Disclosure Statement (the "Credit Card
Agreement and Disclosure") in connection with the Visa Account. A copy of
the Credit Card Agreement and Disclosure is attached hereto as Exhibit "B"
and made part hereof.
Pursuant to the terms and conditions of the Credit Card Agreement and
Disclosure, Defendant agreed to pay to Plaintiff monthly installments in an
amount of not less than three percent (3.0%) of the outstanding balance on the
6.
10.
II
account or $20.00, whichever is greater, plus interest; and, in the event of
default, reasonable attorney's fees and costs incurred for collection.
Defendant is in default of Defendant's obligations under the Credit Card
Agreement and Disclosure and the corresponding Visa Account as a result of
Defendant's failure to make the payments due to Plaintiff as set forth in the
Credit Card Agreement and Disclosure, the last payment having been received
on November 6, 2002.
By letter dated May 14, 2003, addressed to Defendant, Plaintiff demanded the
payment of all amounts due under the Credit Card Agreement and Disclosure
and the corresponding Visa Account. A copy of Plaintiff's Demand is attached
hereto as Exhibit "C" and made part hereof.
As of the date hereof, Defendant is indebted to Plaintiff in the amount of
Twenty-three Thousand Ninety Two and 95/100 Dollars ($23,092.95)
itemized as follows:
a. Outstanding principal $20,590.18
b. Interest to June 24, 2003 1,122.77
c. Late fees 180.00
d. Unpaid N/A fees 0.00
e. Attorney's fees 1,200.00
f. Total due to Plaintiff as of June 24, 2003 $23,092.95
Defendant also agreed under the terms and conditions of the Credit Card
Agreement and Disclosure that in the event of default there under Defendant
would pay, in addition to the amounts set forth in paragraph 8 above, costs
incurred by Plaintiff as a result of the institution of these legal proceedings.
Legal fees and costs continue to accrue on the above obligation.
As set forth above, Plaintiff has made demand upon Defendant to make
payment of all amounts due to Plaintiff under the Visa Account and
corresponding Credit Card Agreement and Disclosure and, as of the date
hereof, Defendant has failed and refused to make payment of all such amounts
due to Plaintiff.
WHEREFORE, Plaintiff, Members I" Federal Credit Union demands judgment
against Defendant, John R. Thompson, in the amount of Twenty-three Thousand Ninety-
two and 95/100 Dollars ($23,092.95) plus interest at the legal rate through the date of
payment, including on and after the date of entry of the judgment on this complaint,
additional attorney's fees and costs of suit.
Respectfully submitted,
Date: q-0'2
1 M. edebohm, Esq.
Supreme Court ID #:59012
P.O. Box 173
New Cumberland, PA 17070-0173
(717)938-6929
Attorney for Plaintiff
VSA
VISA CREDIT CARD APPLICATION
00
DO NOT WRITE ABOVE THIS LINE
Process N 16 L ?A3
tPlr NEW APPLICATION
? NAME CHANGE (ONLY APPLICATION FOR: AMTtlan PACCT.f 1I
b 3 E
0
) ? VISACLASSIC 1
•
? AOD JOINT APPLICAM ?R VISA GOLD
O INCREASE LIMIT 4
APPLICANTS FULL NAME
LAST / /IP/NpjO/-? FIRST
T.'tMj INITAL p
' SOCIAL SECURITY NO.
C/O KNIJ LCYTa 09GRP-1 «.w AM"f fAL
1x 0 ?r?- 3d-yl
PRESENT STREET ADDRESS APDY CITY STATE ZIP CODE
C*A l14Lc PI Ke [A-?LLI4 LS 'o& /70/.3
HO
M
E TELEPHONE NO.
SS
HOW LONG AT ADDRE MOTHER'S WIDEN NAME AGES OF DEPENDENTS
F
?
f 7 - 109 ? - ;Lp9 t YRS.
9 MOS. t y.
PREVIOUS HOME ADDRESS (IF LESS THAN 3 YEARS AT PRESENT ADDRESS) HOW LONG AT ADDRESS
PRESENTOCCUPATION
ENT EMP
R
? YRS. MOS.
DAT
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RE
MONTHL
NCOME AH)
OSS
PRES
LOYE MU
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MJVCEL PAY==
EMPLOYER'S ADDRESS STREET W. CITY STATE DP CODE BUSINESS PHONE W.
') 06I cA,LCys tC PK - 04x11 ij+ l »tj 2/J -G9?-o2P71
PREVIOUS EMPLOYER (OR SCHOOL ATTENDED I OGGUPATION
PREVIOUS EMPLOYER'S OR SCHOOL ADDRESS HOW LONG
(IF LESS THAN S YEARS) I
RS. MOS.
INCOME FROM ALIMONY CMLD SUPPORT OR SEPARATE MAINTENANCE SOURCE OF OTHER INCOME AMOUNT
PAYMENTS NEED NOT SII REVEALED IF YOU DO NOT CHOOSE TO HAVE IT
CONSIDERED AS A SAM FOR REPAYING TRM OSLMATION.
NAME OF NEAREST RELATPIE NOT LIVING WITH YOU IADDRESS CITY STATE REIATONSHIP
PHONE
ARE YOU APPLYING FOR: IF THIS IS AN APPLICATION FOR A JOINT ACCOUNT OR FOR AN INDIVIDUAL ACCOUNT THAT YOU AND ANOTHER PERSON
IndlvWUal AccDllnT O WILL USE, PLEASE PROVIDE THE FOLLOWING INFORMATION ABOUT THE JOINT APPLICANT OR AUTHORIZED USER.
Joint AaDunt ?
Individual Aooomf wBh AuNwlmd Usar O
REWIOHSMIPIO APRJCANT (N Any) 1 MMWNr Ta ACCTIRI AAq
L CANTS FUU NAME FlRaT INITIAL WTEOFWRTII SOCAL SECURITY W.
PRESENT e1TISET ADDRESS 1 AFT.• CRY SUITE APOODE
HONE TElEP11ONE NG IIOYI LONG AT ApOREB6 AOESOF DEPENOEHIS
YR& MOS.
PREVgUB NOME AOLgFl3S N LBSS THAN SYENIB AT PRESENT ApDPESBI HON LOM6 AT AODREBS
AS. MOS
PRESENT OCQIPRIOH I PRESENT EMPLOYER OATS OPHPE GRpB9 MONTHLY INCOAE
EXHIBIT "A"
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I
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31V0 (ANtl Al) 3tlf11VN01S SM390 C13ZItlOH10V
1 31VO / (ANtl tl1 Un.LYNOIS SINVOIIddV lNlOf
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'3WOONI d0 N011VOUIUM 30IA0Hd 0NV VNINuni3u 3HOd39 N011 ITiK I SV3ld
0111ViI11103H3 3SV3UONl
C D . OW 11151 _ O+ pC O X07(1 03153f103tl 11WI11103HO unw ? 33UH1 ? OAU 0 3NCV, :03UIS30 S0NV0 i0 H39W0N
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MglWela6 Needed AN WaW gi YleOA1' pepNa tlW?NyaN'AN WeeN SSWW ?Nlfl ?•piMNeN
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9w VWA
(StlV3A S NYNI 6531 tlll
ONOI NON BSHtlOOV IOOH'JS tlO8tl3A01dW36l10N3tld NOLLVdn'JJO g3pN31lV 1001106 tlOItl3.b'1dW36f10N3tld
ON 3NONd mNISn6 3000 dR 31116 Alp pN 133tl1S IiMlw V S.W3 Olj"B
VISA Credit Card Agreement and Disclosure
Notice: See reverse side for impoRant,momnalion regarding your rights to dispute billing arras.
1. Meaning of Wade. The Fallowing words have the following meetings in this AFr and in the monthly billing sWenent mailer hereunder.
(a) 'Agreement- means ME VISA Credit Cara Ymenrom and Disclosure furnished by w.
(d W. 'Us' and 'Ours' mars Members 1s Federal Credit Union, MecMnicsbury, PA.
(c) 'You' and 'You're' moare each person who signs this Agreement.
(d) 'Card' means any VISA Credit Card and any duplicates and rv"Ws we Issue to your
(e) 'ACCOUnf rreans your VISA Credit Card Lino of Credit AcwuM with us tlW cmWns a rewnd of all Wrdwes and Cash Advances made by you under this agreement.
M 'Line of Credit' means the IoW dollar amount we approve for you against which you may obtain Cash Advances under this Agreement.
(g) 'Advance' means any until extended to you under this Agreemenl for any purposes or Cash Advances.
(h) 'Cub Advance' Means (i) any credit extended to you from us or from any other Institution thin aaepo the Card (if) any withdrawal of cash made by using your personal icandficalon number ('PIN') at an automated Jolter masure('ATM'I
or ather W of electronic terminal that provides access to the VISA system, or (III) the amount of any VISA Convenience Check paid by b.
(i) YI$A Convenience CMGs" means any check that may te issued by us to You, from lime to time. that bredly accesses your VISA Credit Card Line of Credit Aarount. The amount of any VISA CogenWa Check paid by
ue is posted as a Can Advance under your Account.
2. Now To Use This Aa nt: YOU Can normal w lease goods and services'Punrnbes') from a merJmt up to your maxmum credit limit by punnling your Card orb signing a Mesa slip for she amount of be wmhm, YOU may also use your Cad:
(a) To obtain Cash Advances up to your maximum crect limit from finabb is irotlludions that accept a VISA Crash Card;
(b) By use of pre- r fame VISA Convenience Checks that we may issue you hem fiber to tee;
(C) By mweng wiftr is with your Cad 9 an ATM Or diner ups of satanic mrsml that provhm webs to Me VISA system.
3. ReelbMibllKV. It We issue you a Cud you agree to pay all Advances undo the AccoWlJ and Finable Changes arising from the wed the Cad, a VISA Cwwenieno Check and the Card account. For example, you am responsible fro dWgem made
by yourself your spouse and minor children. YOU are am responsible for changes awe by anyone else M whom you give Me Cad, and this rbpmSlEillly con urefer5 uMll ft Cam Is recovered. YOU Ci111101 disclaim r9lppneibility by noWng 0s,
but we will close me Account for new trnbams, if you s0 reouest. when you ratio all Cards and any issued but unubd VISA Convenience Checks. Your obligation to pay the Account balm canonub even though an agreement, divorce theme.
or order court judgment to wnich we are not a pant, may direct you or one of the oft pawns respwoOle to pee me Account, d more than one pawn sips this Agreernenl, you am jointly and sevemily ramuible for all purges on the Account
e. LlabilNy 1w Uuumarlaed Use. You understand the your (bill liability to in shall not exceed Fit Dollars (E50) per any Cud transaction rau*g from the loss, tlatl or other una"nd Use of the card the occurs prior to the Use you giro
notice to us, Surn suability, does rid apply when a rod is used to maze w elecorwhic funds mnsm (Eft) w Mm a VISA Coortnlemce Check is used tat a purchase payment or Cash Adq .
5. Last Carl Nollklflw: O you thavi your Cad, or any VISA Convenience Check him been lost d Olen. you must enmadamty Call in at (717)7%-8032 or 1(80U1-283-2328 admg Momal Nelnesf noun. ABU bUBNme hours (rights ad
wee ends) w On holidays, IOU w stolen Cards MUM M report by Calling 1(800)-9914981.
S. CmdN Lim: If we apprmre your unification, we Oil establish a selPeple mind Llne of Credit for you and nON you 01 by amount when wo have the Cad. You agree no to Id the AMM balance ancew Mis approved awit Ilea. Each payment
you nuke on the Account will Middle your uecet line by the amount of the payment which is applied to the potential balane, awed on the Account You may requal an imuse in year CWII lim which mug be approved by a loan d8cer. By ghwng
you wribw notice, a loan olxr may route your credit line from time m On, or with good cause, revoke vow Card and fennel this Agreement. Gad mm includes Vow failure to comply with this Agre t, or our averse nNwsatlm of you
credit worminess. You my aim mrmimle Mis Agreement a my time, but temrimdm by ether of w dead opt wa your oblegam to pay the Amid balms. The Card remains Our propery and you most recover and surrenda of W all Cards,
and any issued but unwed VISA Convenience Cnetlo, upon ow reuou and upon penMUion of this Agreement.
7. CredN IatermsUan. YOU aumorem us to investigate your credit spending wfwn wooing, renewing or reveewag your Account, ad you aumorin w to disclose information regarding your Atcourd ro credit burbw and one aedilnrs wen inquire
of w ataut yon Credit spending, to the spent wthoized by ow BYLAWS.
b. Paymema. Yee will mail you s aWemml nary math Nvwinq your previow balace cemprisec of purchm and Cash Adnnces Ore aunt bmuilons on your Account, the mrWning credit available under your credit limit. the new balance
d pkmases and Cash Aoramb, Oe I I maw balance, the Fluce CMrpe due to hie, and die minimal payment remered. Bch month you must pay at lent the minimam payment shown an your utement by me dam specified on m shlamed
or M-later than 25 days hem MB spemmetd closing da m, whithMer Is loan. II your 9pemcenl seek the payment is'No. Due; your payment s due m pear than 25 days from the mergers dosing due. You may pay lore kWntly, pay more mm
the minimum payment or pay one TopeI New Baance in lull. If yPu gaue stn or lager myrmn s, you sat still restudied to noun A Ibu Me minima someone nth mount your Account haz a Colace (oft than a Credit balanm).
The minuum prymanJ aII M eilna al tones peroent (3%) of yar uW New Bapence or $20, whichever is greats, w b) your Wal new balance, it It is leas than Twenty Dollars (520) pew c) my purtim of the minimum payment slptm an prior east,
mem(5) Mrern union mould. .
We alw have the riot to damnd emmedim payment of my armunl t which you are ever your credit limit.
We will apply your payments find to My fees, than to Ow FINANCE Crs wUS m nom CaN Advances and Wghmm. Mn to previously rifled pwdasb, Caw Adam and new Purchases in the order tlwy wore posted to your AGPunt.
As my wccepI CMpa MW payment in lull' or with words of similes emo wide nt using any of our 0" to cdsct the full balance at your MUM with w.
F. Finaen Centel
A. On decrease . it there is no UMM owed on yar account a the beginning of the billing cycle or it paymns and Credits shins the billing cycle equal or eweec me balers owed on the mum at the beginning Of abut billing cycl4 ten
no limneecMAes wills Wgec to your antounl to WtNaoes for th e Collins Cycle. It the fulls t is m(paid by the Payment do data (not Into than 25 days from the data of purchase),(insists design will be inouoadhornthespes-
More data m the average wily balanp of previously billed but unpaid purdn , and m new Pumhaus from the dam sum mw Wrch m ate posted to your account.
If you ran ar VISA Goth, your acwund will he subject to a Fnama Chage (inteest) at the Wodic nth of 1,125% Per gvuuh (Annual Percen ape Rae of 13.50%) on the average dairy baWltes of pughaze3 and Can Advances.
Il you Mre our VISA Classic, your account. 11 M object to a Finance CMge(udnM) at the pwotls tab of 1.667% Der=nth (Amua Pscubpe Rate of lA%)0the day malargn d prchasb and Cam A& .
The now dwlowres were aCC M as of the due Vary ware printed and all hams are subject to charge. TM appliantlmanMr mould cmaad able card issue, (Me s i IUr any ctwpb io me iMOroMn dwssw. Fw &dW
or funs information call 1-8*283.2328.
B. Venable Role: The Ilmnce charge will M determined by adding the margin to the index new. The Annual PKortpe Rao can change oft first day of the flW cyxle in each calendar quarter. The margin for VISA Classic is 5.50% for
.. stn m,chan and cash advances. The margin for VISA Gold is 500% for prom Durohaes add won advances. The index is the highest Prince Rae Published in the Wall Street Journal. The iM all be MMUM m Of the two busimes
day of the previous month. Any increase in the Annual Percentage Rate will muse the mount of the minegum monthly payment to increase. The Annual Percentage Rate will never exceed 21%o Me maximum allowed by low, wMSlenr is
late.
C. Method A - Awmge Dally MIaMe (including New CmdR PorcMeu): A Finance Chi will be imposed on Cash Adanes fiun the dale made or from tea first day of Me billing cycle in which the Can Advance is posted m
your account, whichever is later, and will continue to money until me den of payment. A Fiance Chaps will be Imposed On Credit Pumhbm hwn the dam the Credit Purchase is posm to your account and will Centime M awnse undl abe
tae 01 paymni it Memo A angles to wrchabs.
The Femme Charge fur a billing cycle is computed by applying the monthly Pmwic Rea to tla Miami dally balance, which is determined by dividing the won of Me daily mlances during the billing Cycle by da nLOW Of days In abe
cycle. Each day balm is datenmimd by adding to the Previous BaWce (me Outspending balance of your mot at abe beginning of the Its cycle) my maw Cub Advances rocmedandmy new Credit Pumh=Dam to you wwum,
23 rapinp at paymenm az receivetl w aadlm az Dopec u your annum hid exchift at umu ld Finance Chuges.
D. lbsl 6. M eraMIby gtlegoa Ilmluas suer CmdN Pomace u A Femme Charge will be Inemed on Credit PumJUbunly if you emct eat to pay me mom New Balance of WrdM shaven on your
monthly spelemBnl in if he previous billing cycle wi th in 25 days Ism tle ctazinp dam d that sWamd. 9 YOU 810 not to pay do emim New Salace of Purabes shown on your Previous monthly gimme Mthin the 25-
day period, a Femme Chaps will M emposed on ft unpaid enreq deity Ulm d won Credit Purchases Irom k Prty" sWanml dosing date ad Me new Credit Pur Iron Ore data of Pm" to you amount
too
during Curt billing ryE11, and will continue to accrueundltlo timing tae al tle 25da billing cycle proposing the data on which the Were New Balance Of Pulah is paid in full or Oil tedam of payment if roe pan
yk fro, dot closing dam.
TM Fiance Change laamilling gale is Computed C WPlyino to monthly PBrIMS R6btle asapedairy MorrodCreclt Proposes, Wheat is ONenmined tdMOing IM won of the daily balance9 oudro gat dUlnd cycle by tle mm
Car of dap in the aycu. Facin Dally balance d Credit Purcnazes es dalermlmd t wtllnp b the:AsWd g Unpaid baWu d Cmdit Purrnbb at fen bepenMOg of me billing cycle my now Crash Findisb Prom to yon arcane, and rod
lreing ag be em of Re rood, as toatw a YourwwuM. buteudndingargwgdd Flounce Charges. '
II mis metMOapliles Its Cash Anvanas, a Flnawe Cnge Will W irroosad On CAN Advmmfrom the dam d thI Cazn /dvance or non tle first hit dthe billing cycle in Which Ile Cam Advance is pbm byw8aant, whWMmr
is IoW,eM WnMIw MmW a 0th MB some manner aze 414 above to Crust PIIrC111m5. x
Print date 2y17y98 CONTWED ONA8VER5E
.EXHIBIT "B"
'Bwwgs Io APwMd ail ml pawas!Umne as nM pollew Io'Wemaaw wl sineiWo in sump iannl pew I J P41 i Ali 1ou op suo!m wll want
M new wow Ma aau mew "aselWnb Pap (q) pm:Salppe 6u!I!uu wil IoM to sal!w Opt ulw!m Bien mq InoA ulLam IOU 1! 'la an mm4ln0A ui aseVJNO 941 New aAM Isnw nM (a) Mi s!w uo smtlaw11 oM pie a94l tw!AAS
Io AMOR maw Up Nip mineve WWpmw III And 01 IOU NJ Pap aM Ann RoA luMpeaw aid VOe, wasi MD MADD 0141!el PDOO ul owl aM noA pue'paw IlmiJ a III* painiand nM W41 awwa ao Amadi to /wIr b W PUB uAlwld n aM MA p
S32YHOHnd OHYO 1103HO Hod 31nu 1Y103dS
'S!Allong l! RAN n uwgaq plea Unt sM Awewaw W of RDA undo we wuoAme p1 wuu on, al noA payodwl ON wanep wmu WI naA Ilal Isnw am' put luaw mM Me uopSanD a aM nM ail
M Pail Oft w auoAue teal law we 'Aid of aye tins nM am w 6u!Ilal pep NI uILmm an III Mme mA pun noA Ali pU Not, moma0ea up I!'Aeam ateribu!WO an NA Wow Am M' am n0A w!yl am mw amount ft Awl of Ile, Pail 11
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KARL M. LEDEBOHM
ATTORNEY-AT LAW
P.O. BOX 173
New Cumberland, PA 17070-0173
Phone717-938-6929
Fax 717-932-0317
May 14, 2003
(Via Certified and regular mail)
John R Thompson
1452 Emerson Drive
Carlisle, PA 17013
RE Members 1" Visa Account No.: 4287 5900 0002 7991
Dear Mr. Thompson
THIS LETTER AND ANY SUBSEQUENT CORRESPONDENCE FROM
THIS OFFICE IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. AN
IMPORTANT STATEMENT OF RIGHTS IS INCLUDED ON THE REVERSE
OF THE SECOND PAGE OF THIS LETTER.
Members I" Federal Credit Union ("Members I"') has requested my office to
collect the amounts due to Member's I? under the above account.
As you know, you are in default of your obligations under the above Members 1"
Visa Account (the "Account") due to your failure to make the payments required under
the Account in a timely manner. The last payment on the Account was received by
Members I" on or about November 6, 2002 As a result of your defaults, Members 1st
hereby accelerates all amounts due to Members 1" under the Account and hereby
demands the payment of all amounts due to Members ls` under the Account in the
amount of $21.819.24 itemized as follows:
1 Principal $20,590.18
2 Unpaid finance charge 964.06
3. Late fees 150.00
4 Legal Fees 115.00
5 Total due to Member 1" as of 5/14/03 $21,819.24
If you fail to deliver to my office at the address set forth above payment of the
$21,819.24within thirty (30) days of the date of this letter, Members 1" will have no
choice but to file a legal action against you to collect all of the amounts due under the
EXHIBIT "C"
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S
NOTICE
This letter is an attempt to collect a debt.
It you dispute the validity of this debt, or any portion thereof, and you contact the
undersigned within thirty (30) days after receipt of this Notice, you will be furnished with
written verification of the debt; provided, that if a lawsuit has been filed against you to
collect this debt before the expiration of the thirty (30) days, the complaint filed in said
lawsuit will constitute written verification of the debt.
If you do not dispute the debt or any portion thereof as stated above, the
undersigned will assume the debt is valid.
If the original creditor of this debt is different from the creditor stated on the front
page of this letter, the undersigned will provide you with the name and address of the
original creditor upon written request from you within thirty (30) days of receipt of this
notice
The undersigned means the name signed at the end of this letter appearing in print
at the top of this letter.
:omplets Items 1, 2, and 3. Also complete
em 4 If Restricted Delivery is desired.
rint your name and address on the reverse
o that we can return the card to you.
,ttach this card to the back of the mailpiece,
r on the front if space permits.
rticle Addressed to:
John P- `Aarn.Pson
?S2 'me-(-san .
Is J - PA 1
?( 1 0 Agent
X .•+^^?"'? lhvrryo?k- 0 Addressee
` , 8. Received by (Printed Name) I C, Date of Delivery
S- Cl,. 7S
D. Is delivery address different from Rem 17 Q yes
If YES, enter delivery address below: 0 No
3. Service Type
Certified Mall 0 Express Mail
0 Registered ,?'Rstum Receipt for MamhaAllse
0 Insured Mail 0 C.O.D.
4. Restricted Delivery? (Extra Fee) 0 yes
rticle Number 7003 0500 0001 6566 3134
iansfer tram servke taboo
r ,1
'orrn 3811, Aug, 001 <. Qnr.4. Return R?delpt 102595.02-M-1540
6-7 i.
u-i I CARLBLF PA 17013
Postage $ LU.6U ,-'?--
'3 S2.3U UU?O ,
O Certified Fee (, }
O Return Redept Fee Postmgr(
(Endorsement Required) Hers?,
C3 Restricted Delivery Fee 6U • UU "11 •Z
0 (Endorsement Required)
Lr)
f?.65 \
Total POStageB Fees $ 05/f6-/ ML`
M
O Sent To
171 nlrs'?' 'r B" NO.
° JG? IIl ?_ T?ydrr) S? /
J-Y..uuwlad:arlm r-vLUY
aaaa• •li•ur•y,n,ea.: ?G
V"ElUnCATION
I, David Thomas, Collections Officer for Members 1" Federal Credit Union,
being authorized to do so on behalf of Members 1" Federal Credit Union, hereby verify
that the statements made in the foregoing pleading are true and correct to the best of my
information knowledge and belief. I understand that false statements are made subject to
the penalties of 18 Pa. C.S.A. Section 4904, relating to unswom falsification to
authorities.
Members 1" Federal Credit Union
David Thomas, Collections Officer
'69.
c? -
=: _
_ (?
`. ,
y;
_;
SHERIFF'S RETURN - REGULAR
CASE NO: 2003-03363 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MEMBERS 1ST FEDERAL CREDIT UNI
VS
THOMPSON JOHN R
KENNETH GOSSERT
Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
THOMPSON JOHN R the
DEFENDANT , at 1715:00 HOURS, on the 18th day of July , 2003
at 142 EMERSON DRIVE
CARLISLE, PA 17013
by handing to
KELLEY THOMPSON, DAUGHTER
a true and attested copy of COMPLAINT & NOTICE together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing 18.00
Service 3.45
Affidavit .00
Surcharge 10.00
.00
31.45
Sworn and Subscribed to before
me this L. w
" day of
UOv3 A.D.
L rth art ano? (c AO rf??
onotary
So Answers:
[?J
R. Thomas Kline r
07/21/2003
KARL LEDEBOHM
By: 01
/-e?,
MEMBERS 1sT FEDERAL
CREDIT UNION
PLAINTIFF
Vs.
JOHN R. THOMPSON
DEFENDANT.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
NO.: 2003-03363
CIVIL ACTION-LAW
Statement of Intention to Proceed
To the Court:
The defendant, John R. Thompson, has filed for relief under the United States
Bankruptcy code before the United States Bankruptcy Court for the Middle District of
Pennsylvania to docket no.: 1-03-04897, which bankruptcy matter remains open as of the
date hereof. Plaintiff, Members 1 s' Federal Credit Union, intends to proceed with the
above captioned matter only to the extent Plaintiff is not barred by applicable Bankruptcy
Law.
Dated: September 15, 2006
Respectfully submitted.
supreme court n) 3;Jyu1L
P.O. Box 173
New Cumberland, PA 17070-0173
(717) 938-6929
Attorney for Plaintiff
qi
, Flo
N
d
Curtis R. Long
Prothonotary
Office of the Vrotbonotarp
Cumber[anb Countp
Renee K. Simpson
Deputy Prothonotary
John E. Slike
Solicitor
n'' -3-?,? 3 CVIL TERM
ORDER OF TERMINATION OF COURT CASES
AND NOW THIS 28TH DAY OF OCTOBER, 2009, AFTER MAILING NOTICE OF
INTENTION TO PROCEED AND RECEIVING NO RESPONSE - THE ABOVE
CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH PA
R C P 230.2.
BY THE COURT,
CURTIS R. LONG
PROTHONOTARY
One Courthouse Square • Carlisle, Pennsylvania 17013 • (717) 240-6195 • Fax (717) 240-6573