HomeMy WebLinkAbout10-01-07
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IN RE ESTATE OF RUBY 1. GEHR
IN THE COURT OF COMMON
PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
NO. 21-07-0671
ORPHANS COURT DIVISION
NOTICE OF CLAIM AGAINST ESTATE BY A CREDITOR
TO THE CLERK OF THE ORPHANS COURT DIVISISON: Notice of claim by creditor
pursuant to 20 Pa. C.S.A. S 3532 (b)(2) of the Probate, Estates and Fiduciaries Code.
1.
Claimant's Name:
SUSQUEHANNA V ALLEY FEDERAL CREDIT UNION
2. Claimant's Address: 3850 Hartzdale Drive, Camp Hill, PA 17011-7809
3. Claimant is the owner and holder of a claim in the amount of $6,576.55 against the
Deceased Ruby 1. Gehr on with a per diem of $1.85 as of July 16,2007.
4. The facts upon which this claim is based: This claim is evidenced by a Promissory Note
(Open End Voucher) and Security Agreement attached hereto as Exhibit "A" and a
payoff statement attached hereto as Exhibit "B".
5. Decedent's Address: 21 Hidden Noll Road, Carlisle, PA 17013
6. Date of Death: July 10,2007
7. The claim precedes Decedent's date of death.
On behalf of the claimant, I do solemnly declare and affirm subject to penalties of perjury and
unsworn falsification to authorities that the information and representations made herein are true
and correct to the best of my knowledge, informa~tion and belief.
Date: Cfk1 107 By:. .~ i'.j
I I Matthe White, Collections Sup~~r g
Susquehanna Valley Federal Credit~c4>n g
3850 Hartzdale Drive r- -4
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Camp Hill, PAl 70 11-7809
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Written notice of claim was provided by postage prepaid, first class United States Mail, certified
mail, return receipt requested upon the Counsel for the Estate as set forth below:
Michael A. Scherer, Esquire
O'Brien, Baric & Scherer
19 West South Street
Carlisle, P A 17013
By:
Ste Howell, Esquire
well Law Firm
619 Bridge Street
New Cumberland, P A 17070
(717) 770-1277
Supreme Court ID 62063
Date:
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SUSQUEHANNA VALLEY
FEDERAL CREDIT UNION
3850 Hartzdale Drive
Camp Hill, PA 17011-7809
(717) 737-4152
IOANUNIiR.
,.................................. ..................................
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BORROWER 1 NAME
RUBY I GEHR
:;:H?SORRflWER:fNFOR.MAT.dl\i>
ACCOUNT NUMBER
13863-5
Open-End Voucher
and Security Agreement
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BORROWER 1 ADDRESS
21 HIDDEN NOLL ROAD
CARLISLE, PA 17013
BORROWER 2 NAME
CHARLES J NELSON
BORROWER 2 ADDRESS
21 HIDDEN NOLL ROAD
CARLISLE, PA 17013
HOME TELEPHONE NUMBER
(717)-241-4171
SOCIAL SECURITY NUMBER
177-42-4957
AMOUNT REQUESTED
$ 8,000.00
PURPOSE: Consol idation
DATE
07/15/2005
ACCOUNT NUMBER
13863
SOCIAL SECURITY NUMBER
161-32-5626
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DEPOSIT CHECK IN ACCOUNT NUMBER/OTHER:
CHECK PAYABLE TO:
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REPAYMENT METHOD: Cash
BORROWER 1 EMPLOYER NAME
SSI
BORROWER 2 EMPLOYER NAME
SHEETZ. INC.
NOTICE: YOU DON'T HAVe TO . INCLUDE INCOMe. FROM CHILD SUPPORT, SEPARATE
MAINTENANCE, OR "LiMON'" u'N"LESS YOU WANT THE"CREOIT UNION TO CONSIDER IT.
WORK TELEPHONE NUMBER
DATE HIRED
GROSS MONTHLY SALARY
$621.00
WORK TELEPHONE NUMBER
DA TE HIRED
GROSS MONTHLY SALARY
$1,300.00
OTHER MONTHLY INCOME
$
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MONTHLY PAYMENT CURRENT INTEREST RATE
SOURCE OF OTHER INCOME
1,:j::j::::j:;r::\{{i:i:::/r)i:!/,i:!\;r;:::){;:;){?:Ui:j:j/i:!i:e:);;;iU??ij'}}}:;i\)'i/i;:::'WHAlfvdtf:oWe::?i'iU' ................
LIST ALL DEBTS OTHER THAN TO THIS CREDIT UNION (Attach additional sheet(s) if necessarY.1 PRESENT BALANCE
SUSQUEHANNA VALLEY F. C. U. 39,492.32 $ 488.12 %
MEMBERS 1ST 15,200.00 . 313.00 'llo
LOT RENT 185.00 %
FNB . $ 204.00 $ 15.00 "
Itt//i{i//)/i{::)i((://))/{):{tj)i) {{{}SUSSEowiliheliOiIO NtF6ff:VOt;tJ.N.TARY)PAYMENt)PRdTiditJbi~f/t)t:({{j:iifij:ij:i}}{j:iif!{i!ii}iiti{J)ij:ij:ifij:ii:iit1
You can now voluntarily elect to become insured with the coverage(s) shown below. In order for coverage to become effective you must meet all
insurance eligibility requirements stated in the Credit Insurance Application/Schedule: NOTE: The insurance YOlJ're applying for contains certain
terms and exclusions; Refer to your certificate for coverage details. If you need B copy of the Insurance CertificBte, just ask, By Signing below,
you authorize us to add the charges for the insurance to your outstanding balance eBch month, Coverage election'applies to the entire balance on this
subaccount, Insurance rates are subject to change.
YOU ELECT THE FOLLOWING:
Single Credit Disability
COST PER $100 OF YOUR
MONTHLY LOAN BALANCE
NAME OF INSURED/S)
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MOUNT ADVANCED
$ 8,000.00
"""Y15ur term will
late payments,
PAYMENT AMOUNT
$173.71
Fixed
DA TE DUE
08/30/2005
INTEREST RATE IS: OTHER FEES (Amount and Description)
$ N/A
DAILY PERIODIC RATE
.029425% %
ANNUAL PERCENTAGE RATE
10.74000 %
NEW BALANCE THIS SUBACCOUNT
$ 8,000.00
PAYMENT FREQUENCY
Monthly
LINE OF CREDIT LIMIT
$
REMAINING LIMIT
$
be approximately 60 payml!nts, which may be more or less, de~n&ingon whether you prepay, have
or insurance is added, etc.
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THE ADVANCE IS SECURED BY YOUR SHARES, ALL PROPERTY SECURING OTHER PLAN ADVANCES AND LOANS RECEIVED IN THE PAST OR I",'THE FUTURE, AND THE FOLLOWING
PROPERTY/MODEL YEAR 1.0. NUMBER VALUE KEY NUMBER
COSIGNER
0000
t;.:
PLEDGE OF SHARES
AND/OR DEPOSITS $
ACCOUNT
NUMBER
PLEDGE OF SHARES
AND/OR DEPOSITS
ACCOUNT
NUMBER
By signing below, by endorsing the proceeds check or by using the amount advanced and deposited Into your share/share draft aa-count you agree:
1, To make and be baund by the terms of this Security Agreement Including the crass callateral clause;
2. Tha ebave Infarmatlan Is true and carrect and the Credit Unian will rely an that Infarmatian and yaur credit repart to. make a credit declslan;
3. To. ke payments as dlsclased abave in accardance with the terms af yaur Plan,
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EXHIBIT
A
OWNER OF COLLATERAL (Other then a Borrower)
o r.IINA MUTUAL GROUP. 1980.82.84. 86. 89. 98. 99, 2000. 02 ALL RIGHTS RESERVED CREDIT UN ION COPY
VXX065 (LASER)
Susquehanna Valley Federal Credit Union
. ,
RUBY I GEHR
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SECURITY AGREEMENT
In this agreement all references to "credit union," "we/" "our/" or
"us" mean the credit union whose name appears on this agreement
and anyone to whom the credit union assigns or transfers this
agreement. All references to "you," "your," and "borrower" mean
each person who signs this agreement. All references to "the
advance" mean the amount in the box labeled "Amount Advanced"
on page one. All references to "the Plan" mean the Credit
Agreement under which the advance was obtained. Some of the
provisions of this agreement apply only if the Credit Union is state
chartered. A credit union has a state charter if its name does not
include the words "Federal Credit Union" or "FCU". This is a
multi-state document which may be used to lend to borrowers in all
states except Louisiana and Wisconsin.
1. THE SECURITY FOR THE PLAN .- By signing this security
agreement in the signature area or under the statement referring to
this agreement which is on the back of the check you receive for
the advance, you give us what is known as a security interest in
the property described in the "Security Offered" section on page
one. The security interest you give includes all accessions.
Accessions ar!; fli'fll'\~~'which are attached to or installed in the
property now or in the future. The security interest also includes
any replacements for the property which you buy within 10 days
of the advance or any extensions, renewals or refinancings of the
advance. It also includes any money you receive from selling the
property or from insurance you have on the property. If the value of
the property declines, you promise to give us more property as
security if asked to do so.
2. WHAT THE SECURITY INTEREST COVERS -- The security
interest secures the advance and any extensions, renewals or
refinancings of the advance. It also secures any other advances
you have now or receive in the future under the Plan and any other
amounts or loans, including any credit card loan, you owe us for
any reason now or in the future, except any loan secured by your
principal residence. If the property is household goods as defined
by the Federal Trade Commission Credit Practices Rule, the
property will secure only the advance and not other amounts you
owe.
3. OWNERSHIP OF THE PROPERTY -- You promise that you own
the property you give as' security or if the Advance is to buy the
property, you promise you will use the Advance for that purpose.
You promise that no one else has any interest in or claim against
the property that you have not already told us about. You promise
not to sell or lease the property or to use it as security for a loan
with another creditor until the advance is repaid. You promise you
will allow no other security interest or lien to attach to the property
either by your actions or by operation of law.
4. .". PROTi:CTING THE SECURITY INTEREST -- If your state" issues
-~a'titTe-for the property, you promise to have our security interest
shown on the title. We may have to file what is called a financing
statement to protect our security interest from the claims of
others. If asked to do so, you promise to sign a financing
statement. You also promise to do whatever else we think is
necessary to protect our security interest in the property. You
promise to pay all costs, including but not limited to any attorney
fees, we incur in protecting our security interest and rights in the
property, to the extent permitted by applicable law.
5. USE OF PROPERTY -- Until the advance has been paid off, you
promise you will: (1) Use the property carefully and keep it in good
repair. (2) Obtain our written permission before making major
changes to the property or changing the address where the
A/'operty is kept. (3) Inform us in writing before changing your
address. (4) Allow us to inspect the property. (5) Promptly notify
us jf the property is damaged, stolen or abused. (6) Not use the
property for any unlawful purpose.
6. CONSUMERS' CLAIMS AND DEFENSES NOTICE -- The
following paragraph applies only when the box on page one is
checked.
Date 07115/~OU5
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IOAtIMI.
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT
CONTRACT IS SUBJECT TO:ALL CLAIMS AND DEFENS.ES
WHICH THE DEBTOR COULD ASSERT AGAINST THE
SELLER OF GOODS OR SERVICES OBTAINED PURSUANT
HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY
HEREUNDER BY THE DEBTOR SHALL NOT EXCEED
AMOUNTS PAID BY THE DEBTOR HEREUNDER.
7. PROPERTY INSURANCE, TAXES AND I;EES -- You must
maintain property insurance orY all property that you give as
security under the Plan. You may purchase trye property insurance
from anyone you choose who is acceptable to the Credit Union.
The amount and coverage of .the property insurance must be
acceptable to us. You may provide the property insurance through
a policy you already have, or through a policy you get and pay for.
You promise to make the insurance policy payable to us and to
deliver the pOlicy or proof of coverage to us if asked to do so.
If you cancel your ins~rance anali{Jeta refun<1i .\.MfLbave a right to
the refund. If the property is lost or damaged, we canuQ~l\le
insurance settlement to repair the property or apply it towards
what you owe. You authorize us to endorse any draft or check
which may be payable to you in 'order for us to collect any refund
or benefits due under your insurance policy. You also promise to
pay all taxes and fees (like registration fees) due on the property.
If you do not pay the taxes or f~es on the property when due or
keep it insured, we may pay these ob/igations, but we are not
required to do so. Any money we spend for taxes, fees or
insurance will be added to the unpaid balance of the advance and
you will pay interest on those amounts at the same rate you
. agreed to pay on the advance. We may receive payments in
connection with the insurance frdm a company which provides the
insurance. We may monitor .our loans for the purpose of
determining whether you and other borrowers have complied with
the insurance requirements of our loan agreements or may engage
others to do so. The insurance charge added to the advance may
include (1) the insurance compallly's payments to us and (2) the
cost of determining compliance with the insurance requirements. If
we add amounts for taxes, fees or insurance to the unpaid balance
of the advance, we may incre,ase your payments to pay the
amount added within the term of the insurance or approximate
term of the advance. 1.
8. NOTICE -- If you do not ,purchase the required property
insurance, the insurance we maYipurchase and charge you for will
cover only our interest in the property. The insurance will not be
liability insurance and will not satisfy any state financial
responsibility or no fault laws.
9. DEFAULT -- You wilfbe in <;lefault if youl:.keak"1i'!1V'0promige"
you make under this agreement. You will also be in default if you
are in default under the Plan. If you are pledging property, but have
not signed the Plan, you will be in default if anyone is in default
who has signed the Plan.
10. WHAT HAPPENS IF YOU AhE IN DEFAULT .- The following
paragraph applies to borrowers in Colorado, District of Columbia,
Iowa, Kansas, Maine, Massachusetts, Missouri, Nebraska, West
Virginia and state chartered credit unions lending to South Carolina
borrowers. When you are in default and after expiration of any
right you have under applicable state law to cure your default, we
can demand immediate payment of the entire unpaid balance under
the Plan without giving you advance notice.
The following paragraph applies to borrowers in all other states
and federally chartered credit tinions lending to South Carolina
borrowers. When you are in default, we can require immediate
payment (acceleration) of the entire unpaid balance under the Plan.
You waive any right you have t\') demand for payment, notice of
intent to accelerate and notice or-acceleration.
(Continued on next page)
.. --.....- ........... ...... ..... "''''' ^^ no nn ')^"f"I"~ All OI~LlTC::C:U::c::r:C:l!\n:::n r.RFOtT UNION COPY
VXX065 (LASER)
S',:'''<:1.Jehtlr.1a Valley Federal Credit Union
RUBY I GEHR
The fo/lowing paragraphs apply to a/l borrowers.
You agree the Credit Union has the right to take possession of the
property given as security under the Plan, without jUdicial process,
if this can be done without breach of the peace. If we ask, you
promise to deliver the property at a time and place we choose. We
will not be responsible for any other property not covered by this
agreement that you leave inside the property or that is attached to
the property. We will try to return that property to you or make it
available to you to claim.
After we have possession of the property, we can sell it and apply
the money to any amounts you owe us. We will give you notice of
any public sale or the date after which a private sale will be held.
Our expenses for taking possession of and selling the property will
be deducted from the money received from the sale. Those costs
may include the cost of storing the property, preparing it for sale
and attorney's fees to the extent permitted under state law or
awarded under the Bankruptcy Code. The rest of the sale money
will be applied to what you owe under the Plan.
If you have a~~ey the Advance,yeu will also have to pay
any amount that remains unpaid after the sale money has been
applied to the unpaid balance of the Advance and to what you owe
under this agreement. You agree to pay interest on that amount at
the same rate as the Advance, or, if applicable, at the default rate
disclosed on the Addendum, until that amount has been paid.
Date 07/15/2005
11. D~lA Y IN ENFORCING RIGHTS AND CHANGES IN THE PLAN
-- We can delay enforcing any of our rights under this agreement
any number of times without losing the ability to exercise our
rights later. We can enforce this agreement against your heirs or
legal representatives. If we chaflge the terms of the Plan, you
agree that this agreement will continue to protect us.
12. CONTINUED EFFECTIVENESS -- If any part of this agreement
is determined by a court to be unenforceable, the rest will remain
in effect.
13. NOTICE TO NORTH DAKOTA BORROW~S PURCHASING A
MOTOR VEHICLE ---THE MOTOR VEHICLE IN THIS TRANS-
ACTION MAYBE SUBJECT TO REPOSSESSION. IF IT IS
REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL
AMOUNTS DUE TO THE SECURED PARTY ARE NOT RECEIVED IN
THAT SALE, YOU MAY HAVE TO PAY THE DIFFERENCE.
14. NOTICE FOR ARIZONA OWNERS OF PROPERTY -- It is
unlawful for you to fail to return a motor vehicle that is subject to
a security interest, within thirty days after you have received
notice of default. The notice will be mailedto.t.ne address you
gave us. It is your responsibility to notify us if your address
changes. The maximum penalty for unlawful failure to return a
motor vehicle is one year in prison and/or a fine of $150,000.
THE PROPERTY DESCRIPTION ON PAGE ONE IS PART OF THIS AGREEMENT. NOTICE: SIGN THIS AGREEMENT ON PAGE ONE.
I . .... '.
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":"','" :::t}::)t:;::::\::::::tFOR::CRE.OI:tHtiNIONii:USECo.&lV): .",
MEMBER PAYS CHECK NUMBER:
PREMIUM FOR: PLAN/SUBACCOUNT NO.:
APPROVED SIGNATURE LINE OF CREDIT OTHER
LIMITS:
REQUESTED:
DATE
X APPROVED
DENIED
07/15/2005 (Adverse Action Notice Sent)
LOAN OFFICER COMMENTS:
SIGNATURES:
X
$
DATE
:(::)J::(::/H!:}:C)C)::(::=J:}(:=)C!):)C}:n:\::::C::}))==::}:=;:::I
BRANCH NUMBER:
PROCESSED BY: LNS
OTHER DEBT RATIO/SCORE
BEFORE AFTER
$ 42.24500 %
$
$
x
DATE
... ,.."... ""T"" ",or"", 10A" A? A4 AR AO oR oQ ?OOO.02. ALL RIGHTS RESERVED CREDIT UNION COPY
VXX065 (LASER)
Memb~*~Inquiry blninq
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o Member#: 13863 Name: GEHR, RUBY I " CR Score: 0
oCredit Card: ATM?: Voice?: N SB?: NO
oSocial Sec#: 177-42-4957 Birth: 06/18/19490
oaaaaaaaaaaaaaaaaaaaaaaa Loan Inquiry For Member# 13863 aaaaaaaaaaaaaaaaaaaaaaaQ
01: Loan Description Balance FQ ST Pmt Amt Due Date Last Tran Code 0
02: Yr/Make/Model Payoff Fee Delq Amt Last Int Int Due CP CL DSo
oaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaao
o 1 Mobile Home 36935.32 M 488.12 07/05/2007 07/01/2001 Iv 0
o 2001 FLET ANNY 37376.33 488.12 07/01/2007 441.01 11 0
o 2 Title & Com .00 M c 228.46 08/31/2004 08/31/2004 10 0
o 1998 CHEV BLAZER .00 08/31/2004 11 0
o 5 Comaker 6302.72 m 173.71 02/28/2007 06/01/2007 Iv 0
o 6576.55 20.00 849.16 06/01/2007 253.83 06 0
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(F4) Exit (S)hares (H)ist (D)et (E)ff Dt (C)omak P(L)edge ~(O)llat (p)romo
ob number is: 678
Loan Balance Inquiry
SVCU
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EXHIBIT
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