HomeMy WebLinkAbout07-3198MEMBERS 1sT FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
E. MICHAEL PETERS
DEFENDANT :CIVIL ACTION -LAW
NOTICE TO DEFEND AND CLAIM RIGHTS
THIS LAW OFFICE IS A DEBT COLLECTOR AND WE ARE
ATTEMPTIING 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.:
E. MICHAEL PETERS
DEFENDANT :CIVIL ACTION -LAW
NOTICIA
Le han demandado a usted en la cone. Si usted guiere defenderse de estas
demandas expuestas en las paginas siguientes, usted tiene viente (20) dies de plazo al
partir de la fecha de la demanda y la notification. Usted debe presenter una apariencia
escrita o en persona o por abogado y archivar en la corte en forma escrita sus defensas o
sus objectiones 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. USTED PUEDE PERDER DINERO O OTROS
DERECHOS IMPORTANTES PARR USTED.
LLEVE ESTA DEMANDA A UN ABOGADO 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 PARR AVERIGUAR DONDE SU PUEDE
CONSEGUIR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PA 17013
(717)249-3166 OR (800)990-9108
Karl M. Ledebohm, Esq.
P.O. Box 173
New Cumberland, PA 17070-0173
(717) 938-6929
MEMBERS 1 ° 1 FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
E. MICHAEL PETERS
DEFENDANT. :CIVIL ACTION-LAW
COMPLAINT
AND NOW, comes Members 1St Federal Credit Union, the Plaintiff in the above
captioned matter, by and through its attorney Karl M. Ledebohm, Esquire, and makes the
following complaint:
1. Plaintiff, Members 1St Federal Credit Union ("Members 1St"), is a National
Federal Credit Union having a principal address of 5000 Louise Drive,
Mechanicsburg, PA 17055.
1
2. E. Michael Peters (referred to herein as "Defendant"), is an adult individual
having a last known address of 30 Emlyn Lane, Mechanicsburg, PA 17055.
COUNT I -VISA
3. Defendant submitted to Members 1St a credit card application (the
"Application") for a Visa credit card issued by Plaintiff. ''
4. Plaintiff accepted the Application and sent to Defendant a Visa Credit Card,
account #4287-5900-1009-9444 (the "Visa Account") and a Visa Credit Card
Agreement and Disclosure Statement.
5. The Visa Account is governed by the Visa Credit Cazd Agreement and
Disclosure Statement (the "Credit Card Agreement and Disclosure"), a copy
of which is attached hereto as Exhibit "A" and made part hereof.
6. Pursuant to the terms and conditions of the Credit Cazd Agreement and
Disclosure, Defendant agreed to pay to Plaintiff monthly installments in an
amount of not less than two percent (2.0%) of the outstanding balance on the ',
account or $20.00, whichever is greater.
7. Defendant has made charges against the Visa Account and 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 by Members 1St on or about
February 9, 2006 with a nominal partial payment received on May 3, 2007 in
the amount of $30.00.
2
8.
9
10.
By letter dated March 26, 2007, 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 "B" and made part hereof.
As of the date hereof, Defendant is indebted to Plaintiff in the amount of SIX
THOUSAND THREE HUNDRED SEVENTY-TWO AND 001100
($6,372.00) itemized as follows:
a. Principal $4,835.92
b. Unpaid finance charge 556.08
c. Unpaid Late fees 180.00
d. Legal Fees* 800.00
e. Total due to Member 1St as of 5/23/07 $6,372.00
*Legal fees are estimated in accordance with the terms and conditions set
forth in the Credit Card Agreement and Disclosure. Defendant will be
responsible for payment of actual, reasonable legal fees incurred by Members
1St in this matter.
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 9 above,
additional reasonable legal fees, if any, and costs incurred by Plaintiff as a
result of the institution and prosecution of these legal proceedings.
3
11. Legal fees and costs continue to accrue on the above obligation as set forth in
the Credit Card Agreement and Disclosure through the date of payment and
including on and after entry of judgment on this complaint.
12. 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 1St Federal Credit Union demands judgment
against Defendant, E. Michael Peters, in the amount of SIX THOUSAND THREE
HUNDRED SEVENTY-TWO AND 00/100 ($6,372.00) together with additional
attorney's fees and costs of suit and interest at the legal rate on and after the entry of
judgment on this complaint which does not exceed the jurisdictional amount requiring
arbitration referral by local rule.
COUNT II -Loan -O1
13. The averments set forth in paragraphs 1 through 12 are incorporated herein as
if set forth in full.
14. On or about April 26, 2004, Defendant borrowed from and agreed to repay to
Members l St SIX THOUSAND THREE HUNDRED AND 001100 ($6,300.00)
dollars (the "Loan"). The Loan is evidenced by a Closed-End Note,
Disclosure, Loan and Security Agreements dated Apri126, 2004 (the "Note")
4
executed and delivered to Members 1St by Defendant. A copy of the Note is
attached hereto as Exhibit "C" and made part hereof.
15. The Note has never been assigned by Members 1St and is still held by it as a
valid and subsisting obligation of Defendant.
16. Pursuant to the terms and conditions of the Note, Defendant agreed to pay to
Members 1 St monthly installments of principal and interest in the amount of at
least $220.27 each beginning on May 16, 2004 and continuing on or before
the sixteenth of each month thereafter.
17. Defendant is in default of Defendant's obligations under the Note as a result
of Defendant's failure to make the payments due to Plaintiff as set forth in the
Note.
18. By letter dated March 26, 2007, addressed to Defendant, Members 1St
exercised its rights under the Note and accelerated ali amounts due under the
Note and demanded the payment of all amounts due under the Note. A copy
of Plaintiff's Demand is attached hereto as Exhibit "B" and made part hereof.
19. As of the date hereof, Defendant is indebted to Members 1St in the amount of
THREE THOUSAND FOUR HUNDRED EIGHTY-FOUR AND 37/100
($3,484.37) dollars itemized as follows:
a. Outstanding principal $2,650.37
b. Interest to March 23, 2007 254.00
c. Late fees 0.00
d. Attorney's fees 580.00*
e. Total due to Members 1st as of May 23, 2007 $3,484.37
5
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KARL M. LEDEBOHM
ATTORNEY-AT LAW
P.O. BOX 173
New Cumberland, PA 17070-0173
Phone: 717-938-6929
Fax: 717-932-0317
March 26, 2007
(Via Certified and regular mail)
E. Michael Peters
30 Emlyn Lane
Mechanicsburg, PA 17055:
RE: Members ls` Visa Account No.: 4287-5900-1009-9444
Members 1 S` Account No.: 0000244049 - 01
Dear Mr. Peters:
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 1 S` Federal Credit Union ("Members 1 S`") has requested my office to
collect the amounts due to Member's 1 S` under the above visa account ("Visa Account")
and loan account ("Loan").The Loan is evidenced by that certain Closed -End Note,
Disclosure, Loan and Security Agreement dated Apri126, 2004 in the original principal
amount of $6,300.00 (the "Note").
As you know, you are in default of your obligations under the Visa Account and the
Note due to your failure to make the payments required under the Visa Account and the
Note in a timely manner. The last payment on the Visa Account was received by
Members 1 S` on or about February 9, 2006. As a result of your defaults, Members 1 S`
hereby accelerates all amounts due to Members 1 S` under the Visa Account and the Note
and hereby demands the payment of all amounts due to Members 1 S` under the Visa
Account and the Note in the amount of $8,519.38 itemized as follows:
A. Visa Account:
1. Principal $4,835.92
2. Unpaid finance charge as of 3/26/07 406.56
3. Unpaid late charges 180.00
4. Total due as of 3/26/07 $5,422.48
XHIBIT "B"
B. The Note:
1. Principal $2,650.37
2. Interest to 3/26/07 254.00
3. Total due as of 3/26/07 $2,904.37
D. Attorney's fees 192.53
E. Grand total due to Members ls` under the Note and Visa Account
as of 3/26/2007 $8,519.38
If you fail to deliver to Members 15` payment of the $8,519.38 within thirty (30)
days of the date of this letter, Members 1 S` will have no choice but to file a legal action
against you to collect all of the amounts due under the Visa Account and the Note
without further notice. In such event, in addition to the above amounts, you may also be
responsible for the payment of additional reasonable legal fees and costs of suit incurred
by Members 1 S`
Nothing herein shall constitute or be construed as an agreement on behalf of
Members 1 S` to accept any terms and conditions in exchange for payment of the amounts
due under the Visa Account and/or the Note except for the immediate payment of all
amounts due to Members 1 S` .Nothing herein shall constitute a waiver of any rights or
remedies which Members 1 S` may have under any written agreement or at law or in equity
to collect the balance of the indebtedness due under the Visa Account and/or the Note
without further notice, including, without limitation, the right to accept and apply any
partial payments made on the Visa Account and/or the Note without waiver of any
demand for payment in full of all amounts due under the Visa Account and/or the Note.
Nothing herein shall constitute an agreement on behalf of Members 1 S` to postpone or
extend the maturity date of the obligations.
Members ls` looks forward to the payment of the $8,519.38 on or before Apri127,
2007.
Very tr'xly yours,
I 1 ,/~
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Karl M. Ledebohm
CC: Dan Summers, Collections Officer
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.
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5000 Coulee DrNa, P.O. Box ~D
1MchaniaMrry, PA 77055
ANNUAL PERCENTAGE FINANCE CHARGE: Amount Finrlced: ttta amount oI Tots orwymeMS:The omamt
RATE: Ttte vest of your uedit as a •TM donor amount tlts aeon wiY asdY provided to you or on your you vrYl new paid aler you nova
y9ety role. ' cast you. bahaH. made sY paymenb a adlMubd.
13.90 76 j 1,029.69 j 6,300.00 j 7,929.89
Vedeble Rea: N your ben ha a wnaba IM a Itdeebe Nine M Alartl Pelanlepe Rea may baeae eurntp the trm qMe neneedlan N M pnMal gt•npea T1o
aMN tmbn tee eM a morph q b M bMN wba. TM rtla tYe ohNge molNny on M 1ytl Gay qM InonN. TM ran tat never w hlpMr Ml M maernan nn aaoewd by
ave. are N set larr M Iaa Mn . Arty YlMlep nN Ylansea we noun b man peymxi q M eerrr rrlaM. For Enentpa, N yon ban roe Ia a5,a00 tl 15%brae
merNM one M Annlul PNUmepe Rea eKneeeO by tYL alter one yer, M terrrl q yourberl Houk Ytuene M two months
P RN.:nm.eN.a,MalbwhtpePPtwar~twn:
~ulemetle Pey~ ent Oleaeuebd Rob: eeaaua you hen epeee b mob year npreo mantnH pe~na tllntuph rt aulemtlk e•iltllon h°n ywr
yae ANNUAL PERCENTAGE MTE hr 6wt 6emue•a Mby 20y1. The ANNUAL PERCEMAOE RATE Aedawd Noce b M ANNUAL PERCENTAGE TE bon h
M AgaMb Payment OlecolaNed Rala Thh teb rYl YKUaa by .20%Y you Dove M eJOmetlo peyman alralgelrtant a aY b meheaYl raYdra horde b ywr aorwtl b
Dover M eubrMb peyltsae. b sutlr • we, M tlrea qM hloew wM W b wad M arm al your ben. For ewanpb, Y your Aubmelb PymM Dlemueed RNe h 1a%
an a is,ooa.oo ban yr da rlonm. •rM you aww M auurmrk p•Ym•N .ran9•n.+. Yon rre we 1 rJnr~.w b to.xx, mWtMq In t .asYaw PgnnNw.
VMaba RW Prelmd Leers. n ben b • varleble na brl ana you quMly br a yMarrM res. yow prean•e dhewe k tart N M lea you she out your loan. Tli
Yalitl palanW ANNUAL PERCENTAGE MTE W Mn wry aaxNYM b a~.~ h M YWe tae dhtleaE above). Far wemple, Y • tMebN reh bent kohl ANNl1Al
PERCENTAGE M7E h t2% tl M rrea yea ant M ben, yaa IIDtl pMenee ANMIAL PERCENTAGE MTE WI W WA%. Your MW pnMee ANNUAL PERCENTAGE
MTE tNN Mn cry aeoaebq b M bMn, r gegaeed ti IM'Verhba Rao' prerhbn above.
fhb Rea PMerred Learn. N yotr ben h • sew na ban rw you gwny hx a pnhnee rtle, Y~ ANNUAL PERCENTAGE MTE we a M PI•t•~ ANNUAL
PERCENTAGE MTE geaeeee above htr a a Pretrne ahM rerneNle h ens.
Numbr q M-rneny Aarolett of hyreMa Payment FrequrKy Yylun Payrealtb M Due Properyr Ineuonu: YOV may obteln preWRY
baurerxe flan arryans you want thN e e bb to
You the RedY UMOn. If ou pN the Ntslealtce hoar M
Pefrw+ 35 jz20.27 Manny - Bspiminp os/uu2oa aadN trdon you wi~ pay
5.'E y, 7 (220:24 Final Due - On 0118/2007 f MIA
Caneartl eeaabp qMr bra dte sack anon M pooee a Prop•M OMr
w8 Wo..aa. e,le ben. You n 91dn9 • Irbraal In ^ MM Pte. aN••~•t:
your coca reVa aepall b M seen weon,ant: SIGNATURE
Late GharOa: Y a ~y~r~rM b lob by 10 Mye a more you va7 RpWne OapaN tyalrlee: Tlr Annul PrerMpa Rob sea fYhq fee: Nan•fNhq haunner.
W aAWea i Itle M o1 S%q Your etlleaNO WYmrY. not lake hto aaoatrN Your naWd Mean btlenw. Y eml. j wA j WA
•ro
•rmwmeNaw'°e.Aa • .w fn• yrea~wewaeawafr'F•rn.r~rwnee.aPwrw.
TfiEM17ArtION OF '
AMOUNT FINANCED j 9,300.00 Amount PaW to olhere an your bahaH (OasalW)
AMOUNT GIVEN TO YOU DIRECTLY j 8,300.00 f~ To MYiiaoOi S To
jaap To ~•~• f To
AMOUNT PAID ON YOUR ACCOUNTS f Ta sob Te fw.
Athesaraw
PREPND FMLWCE CFIAROE j S To AaNSaubo j To
OTHER (Describe):
f
f
You spree M M trine one mI101U0ra ht M Alaalae aatemea ant M ben and aewray apnrtune bateA en peps 2 d Nee eaaeranl once eppM b ea eten. ^ aten ^ more
men one bonawer, vn epee aIN M M eolldNlara NM loon ens eaouley premema pwaNM elk loon aha ePpy b ban PbtM rw e•vueY. rou admowadpa sat you Hare
rwWed • copy q M ben one eeaaNy aperrwas end ehcbelea elaamra. Ceagn•v: nyou re elpMq a co-egnr. you etlewee•dp• r•a•Ipt a M Herb b aselpler
dmtaMe on peps 2
6 E DATE CO•MAKER 'OTYIER OVMER ^ "CO•SKAIER DATE
,( (g Z6~o ~( tsfaLl
COMA R •0 ROWNER ^'CO-51GNER DATE ^ CO•MAKER ^'OTM6R OWNER^ "CO•SNiNER DATE
X (BEAU (SEAL)
X
^ CD-MAKER ^'OTFER.0IMIER ^•'CO-SW'NFJt GATE ^ CO-MAKER ^'OTHER 0IVNER^ "CDfIGNER DATE
x (9EAL1 X (SFJLL)
V IIA OMB A•I rw•o+~• •w v rrvFwb rrlwt nww eve r •,rr M rtwn r M aver •rweM/ Yrrl Nrn rr. tr rr...w. wr. ar •...rr, Y rN reer r M Y 1r1A ea wrnrr er
a,rn ~Iw Mr ~ rrrq rtr,..t r M wYww ~ w• W. M e• er~Y •e~+. ~ooilrrl! lyw M4 M wr ~,r•,w/ ry brYr r~+~ /wn en e~w.err a rl •~. r w M w M ra 9.
^.,r.~l..rrrr.w,b~r. ~N+.wr Mweee Mrr.
CREDrt
err
t. (A{prnew Ne belwwe ae,..pea+ylwyw btMwep mwMeeteoaa meley eehtlyarloom lJ U l^J LJ
z tµeawre.rwro...•a•yr~~vwys~rw.ro•md,M.eaaraR,~W/era~Wbw~atD..~w~r.rwmlayrwerwo ~ ^ ^
altltl•.tywhwr brapee w Pwtl ier]nnPf•> ~ra.Prwnk /Y lwe Ewn M. lYOb9DM'. Ym•n
h aaahgYyewaw wewr~p~L,eeLeeM ellera•ner•ttllarw Ma~rM~neb eneraaNwaWw wpaey.
rA .opunWmpM~~wsirpo~.NVu~e~rioy EP+Mn•~~1y~w WC•.Mr1~Tame~We~r~apt:yoa~rrY •'kryrwe•.•Mr ., ^ O.. _.^. O -_
diwlh~ M 7~aoiP~erleMi '~YK b~4~r~wutlpMiawin rpw bfrunw~ .roufers~w•ra,'gN.ubrelnd M4M Mreanhnal MYaelor.MUro•ria
Tlr reYtlNe ells a •M la•1 bIa•rleeM be Ilrera Ner e~eaepn AIM Pavan rM yy~tly rM vent ham b atlrrtl wl' arnmle. ee~en~ Mahw pwwlM w wtllw.w rraweww
altlwlwrltNNwrl00gtl11YIeNMmearaYrIMMUIeYtlM SaN1•etleMMw~ulnre•eN Ahkb'OM.InhrmaM ~~n ~,nWr.iallY mwaswmmlY•Mwtiwe Mrrw ~a,
reih k. axle rN wgwa wsn Pw•an a aaMrsl arletera p•aMaa Do ere Me• Eil•hgRelk• 11 wy eppkNi eWwees •n rri Ili MPrrie'I wr nN M rM b arwl /Y rpee~W
bkM •p•aw lure Ilat b••n.emp•a4 a• AAlerNa rl Wra •M41M M MPk~•• W N M •Mkan Me uN bwn wllnaeed
CREDIT INEUMNCE APPLIlD FOR: NOTE: ONLY ON! APPLICANT MAY APPLY FOR geA9lLffY COVlMfiE.
^ Yes ~ No Single Credit Ufe ~ Total Premium ^Ye5 ~ No CredH Disebilty ~ TotM Prelrtfum
^ Ye5 0 No Joint Credk
haluh whkA eppaamU): ^ Appnare~Co-Apprcan ~ f D.00 netc•te urinal applkanl(•): ^ APPtfeent ^ CoAppirarn ; { 0.00
hNGeeflee9 A
M11G07-0YOa.]i lA9ER•NORD F, •ayee R•r. tq1
COPYrGHr /OALe•wea• ehawlCarpwer, Yin N Ildi neelrLL
EXHIBIT "C"
taORRONERS NAtdE LOAN NUMBER ACCOUNT IM/aER DATE OF LAAN
E MICECHAEL PETERS 85601 244114801 04!282004
NAMEDSAS BORROWER(S) WORDS •CREDR UNION' MEANS MEMBERS 1ST FEDERAL CREDIT UNION. TFIE WORDS 'YOU,' YOUR' ANO YOURS' MFN! THOSE
LOAN AGREEMENT
yw raa m arty alaOarrtera e1r me erne a b due. You wia Pay
addMional kderes on ttw owNw amount.
Agoeatlon Or Paymenb and Addnbnal PaymeMa: PaymeMS and
LYedits shay be epplbd h the foilowktp order. arty amounts past due; any
fees or trisrgas uwkg, indudhp any insurance prcmlums; atxrued hnreat
or lklanp dtaryu; otASbnding prlnelpal. Paymsnb made h atltlNion to
regularly adUdubd paymeMS shr Da applad h Ns same order.
PraNread Rar: If you pwlny br a preLRad rab as dbdoaad on page t of
Inasaw, rrlsno satending Bis terms or your ban. You promlee to coMhus
YW ~ ~~ r~a >~ ~ ~~WlWalbns under IMS ApraameM awn H
Lab Cka~paa: If you make a lab Apanylrta~sM, you ag2e to pay a late charge
n one b dlfobssd on page 1 of thh docvmeN.
Propatral~}yolipmuranea: N you Obhkl a ban sacked by a motor wMde or
union from le pro you moat oblaln Inacouvaentappwhkh protec4 the aedit
hstaanoe mwny~. bb 1o the credit uNbrl. 5utlt a policy must
orovda at bast tire, the corrlbklad addntorbl t>ovenges and tbatclan
insurance. It must wMah a Lou Payabb tdauu mdasarleM namirq the
eraNt union as 4en holder. Yau may oDlah INS Insurance Irmn an agent of
Y~~ oke and dked trU agent to send tM aedk union a wpy or the
Debtor Reaponalbgky: Yau pmDrMw to rybtify vadn union a arty dmnga h
Yywr ob~ugatbn badmrdhp OHO n~ie Mmt~s~dtiee~vs~nom+~terbi o~~~ tprraNie
to iMdrnl dean union of arty new ktferrrlallon wNdt rotates to your ebony b
repWay your obpg~IbrL You prmdss rb1 b submk false or kwwlrate
informatbn or wrktdy wnesN informatbn ropsrdhg your aedkworWnass,
seat sbrdlrp, or cedn ppadly.
Sbtutory LNn: If you aro h dehua, fadsnl law gives tlts aedlt uMOn the
rlgM to appN IM bNanos of shahs and/or dMdsnda h accounga~ et
Ns Ikrle of tin m gib ban. Once yeti an h oa wtt. tM credit
unbn may erlerWa glialr 1 wfgwW IuAher nogce to you.
Dew EM~ ~ a CreDit Uridn may daby eMoldng any of gr aedk
greentartt wkhou laylg Nam.
Irrapular PaymaMau:~Thhe coal union meY axept Fab pa or partial
amt ur cn rp iburtdar ~dud'paymeM M fun. wigbul toeing any o(Ihe
agraamartl.
Co-makan• II you ire a1'ardrq gds agresmsM as a co-rrlekar, You ague to
be aQYaAII faapGr161b1e WdR IhB beffealar, bid gla Uadl( YIdWI lilay atMl
enMr or botlr oy you. Ths oredg unbn does not haw Io np~ ydu That Ihia
agnemaM has rq! been paid. The Cedn unbn may ex1aM the brma of
payment and rebaa any servdry wthout notlfyhg a rsbasktp you from
resporulWlky an Nis agrosment.
SECURITY AGREEMENT
1. TO sacun paynNM a Nis lean and all axpandllraaa InCwnd pv Na erWk
union In wnnacuw wtN Wa Iwn, or In nalhlnY on a aaeurky lmamt, you
gyYrayant ~b ma creak unbn a sasurlly Mmmt b rie dr~parry daacrlead on
tauO.GNetbna Md a~ddaltlenyi b eaaeunridraal kW udis ak Incnasn,
prop«« preeaads tram arty
xruranu on tlw aaeurad INepartY and VI 4rrii ing ~~.cawd hem tM
aacurW property -raawly ylyN~ r~r
oNer b~naYOrnaMlkr Mw11h k1a Er.dk lpalWn~wllfN~CYr~i ~M ,mowu^br ~y
eerroawr ewaa ew endk unlan mw an m eU haw. Newawr parry
B urln ranerMrdaM wYl nol aaeun lkN krnkauek pproOMpanyt~
Yyvan and a~npgdpyarllrgaaYk7ama IunNas Na proper raacbslon mtlua an
alomy kamnold goeea. ~ulnmanb an aaoalbd), a an nonyun:Maa
I. YaNOn~aw~ p~~l~ Ibn~a~ar arYwlarlM mYaM UnWayau mw
3. You rrrra ma Aare oa ab b ooYtad, kaa a r aeewa kn.rssd
asoaa mr pwn~o aw aa$p un~ arl~u for srry hbrast a a ttrYi-co-
rnakw attar a M eoaaUral who Ma xglwd dN apawnwd In ar kldkMad
v~ pppa~,
4. a a~m.a~.na siU«apopfa~w sane aaf~ewoneeprr ax.d bNane~d F."
auaaeb alNxar. Yw al IM rnW udorV~ at «M wa d~aend~klay property
atnal adwN adM party daarr
s. tau wit mshUh InlraaflDl b wVar7aNrlw w~dxddwa~aar allrr prppwra~ymn aMdl !~e
1 ratlaadery blha u NptKxrlalodns.~Yeu rill w riodveiM~ ~eridk uNen Wh proof
sia~sipn aada~ ~ ~ bd~ild ~ ~nw1E. Yau a a~a
auGt and tlifad airy tuuar b Day tlbaa yreoaada ~ b t~.da
aua a~idl tlbla a~ ~ n+wNbna rly dwal ore prwklW as
spay loose a b Ns sums owed ro
You kaatar aUhwlza IIN cads union b awltla yow Nwoanea Servba Canur
rim Ins nautaaWry kdormallon rot vwnWkn a aMquab,epoywrape.
ruNOn °T.r~wrxro"you~mdwwMu~i yae ~4~pYn«iy rat IMOa° ma eraa0~
wads uNOn.
d. Shwb ms weds unbn Mal Mww tow aW M
dNYNa~e~hWW h1opVnnalua. afar any Uiaen ha mat add~b ~reaquYed.~you
t~MNaada craw NW r nl w~ ~ ~ (10 dqx rhwNr addNiwl xsoary
bas. amaaaY b praad~a tiros uMw apsmal posslbM
7.
10 DBV. 81
61 t10 t/aa
Carrtraawl PMdpa M alrarsa: Yeti p4dpa r your aharas aM Mpaska bl M
vadg uMOe, k¢Itldrp atsuro addllbm, u aaeudry ter tlpdoaaban, b rtes. you
daaWl tlra endtl tmbn maY aapb M eab~of aaNSdbn and~mad
ar swm dw at tM tkea a4daAlii
naaaUbb amnrry'a rasa, tlul1M creak uNan stay bow up b !a% a tlla
nrpsld pdmlpal and hrlaraat. No Ban m dghlb YnPrMS • {bn en salsa and
4posb ahW apply b arty of your slrras whkh mry M trld In an'ImW idwl
RakanrMAtceuM'or •14ogh Ran.'
You are bekTp asked to puarantae this debt. Thhk canfuly bs/ore you do. n the bonower doesn't pay the dsbl you vdg have to, ge aura ygu pn agora b
pay if you haw to, end that you waM to adopt INS rosponslbary.
You may haw to pay up to Ina roll amount a tM dab! II the bonowsr does not pay. You may abo IUVe to pay lets Ives or wsadbn web, wNdl Increau gds
amount.
The typdilar pn tao8ect Nis debt hom you without Int 1Mrw b eoled from the borrower. The txedkor on wa gla time waedbn maMOda a0akut you that
can W used agYinst gla Donower, such as autrq you, DdrMshing ~Mwagas, ate 11 this debt k awr h dafauh, that fad maY Deeoma a part of Your cTedR
nacord. Thb notrw is not the contract Nat make you Itada for gre
F. 43789 11D2
AI'PRO arur~r. iro., a4.tme
Page 2 or 2
a~iasak~jl idana~wUS~agra.RUM~ahMawy~foiaeobil 'aWa~imw,e lK.
k !hero b more tun am barowr,~your ops~aeom cedar Ws agna ant w
kNnaaawnl. wdl CainY pwaY raaPwtilga b kdBl aU brtN omiMa
lU~sa, amid pyaM not Dray ems you, oa yaU aacUwa, adnunausmrs,
~ R
M~1v~oaERS 1ST 1~EDER,At, : IN rxE cou~~r al: COt~IIvtoly I>LEAs
cREDr~r uxlax, culv~Ext,Arna courrrx
PENNSxLVANiA
PLAINTIFF
vs. No..
E. IKICHAEL PETERS
DEFENDANT'. : C1VII, ACTION~LAW
VERIk'l(CATION
I, Daniel Sinners, Cpllections Officer fox Members X~ Federal Credit Union,
beimg authorized tp do sp pn behalf of Members 1 ~` Feder Credit Union, hereby verify
that the statements made in the foregoing pleading acre true and cprreat to the beat of my
infcnrnaatian k~pvvledge and belief, I understand that false statcme~ats are made subject to
the penalties of 2S Pa. C.S.A. Section 4904, relating to unsworn falsification. to
authorities.
Members 1" Federal Credit Uniom
Danuiel Summers, Cpllections
Of~xcer
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SHERIFF'S RETURN - REGULAR
CASE NO: 2007-03198 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MEMBERS 1ST FEDERAL CREDIT UNI
VS
PETERS E MICHAEL
ROBERT BITNER Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE was served upon
PETERS E MICHAEL the
DEFENDANT
at 1815:00 HOURS, on the 1st day of June 2007
at 30 EMLYN LANE
MECHANICSBURG, PA 17055
by handing to
MICHAEL PETERS
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 10.56
Postage .58
Surcharge 10.00
00
a ~ 15 J A'? ~,,. 3
Sworn and Subscibed to
before me this day
of ,
So Answers:
R. Thomas Kline
06/04/2007
KARL LEDEBOHM
gym,,-
I
eputy Sheriff
A.D.
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Karl M. Ledebohm, Esquire
P.O. Box 173
New Cumberland, PA 17070-0173
(71738-6929
t~1M~Fi~.rai~~ i~UAiTY
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MEMBERS 1sT FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION CUMBERLAND COUNTY,
PLAINTIFF PENNSYLVANIA
Vs. NO.: 07-3198 Civil Term
E. MICHAEL PETERS
DEFENDANT :CIVIL ACTION-LAW
PRAECIPE
TO THE PROTHONOTARY:
Please mark the judgment entered in favor of Members 1St Federal Credit Union
in the above captioned matter satisfied.
Date: January 29, 2010
~arl M. Ledebohm, Esquire
Supreme Court ID #59012
P.O. Box 173
New Cumberland, PA 17070-0173
(717)938-6929
Attorney for Plaintiff
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FILE #-OFFICE
O 9'HE PROTHONOTAR__l.
2013 AUG 30 PM 2: 07
CUMBERLAND COUNTY
Karl M.Ledebohm,Esquire PENNSYLVANIA
P.O.Box 173
New Cumberland,PA 17070-0173
(717)938-6929
MEMBERS 1sT FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION CUMBERLAND COUNTY,
PLAINTIFF PENNSYLVANIA
Vs. NO.: 07-3198 Civil Term
E. MICHAEL PETERS
DEFENDANT : CIVIL ACTION-LAW
PRAECIPE TO SATISFY JUDGMENT AND SETTLE,DISCONTINUE AND
END
TO THE PROTHONOTARY:
Please mark the judgment entered in favor of Members 1St Federal Credit Union
in the above captioned matter satisfied and the action as settled, discontinued and
ended.
Respe fully ubmitted,
Date: August 29, 2013 `-
Karl M. Ledebohm,Esquire
Supreme Court ID#59012
P.O. Box 173
New Cumberland, PA 17070-0173
(717)938-6929
Attorney for Plaintiff