HomeMy WebLinkAbout09-3899NEW CUMBERLAND FEDERAL IN THE COURT OF COMMON PLEAS
CREDIT UNION, CUMBERLAND COUNTY
PLAINTIFF PENNSYLVANIA
V. CIVIL ACTION - LAW
GERALD A. ALTER and
KIMBERLY L. ALTER
DEFENDANTS NO. Oq - S" 0"ivi I -Ter*
NOTICE
YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE
CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN
TWENTY (20) DAYS AFTER THIS COMPLAINT AND NOTICE ARE SERVED BY
ENTERING A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND
FILING IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE
CLAIMS SET FORTH AGAINST YOU. YOU ARE WARNED THAT IF YOU FAIL TO DO
SO THE CASE MAY PROCEED WITHOUT YOU AND A JUDGMENT MAY BE ENTERED
AGAINST YOU BY THE COURT WITHOUT FURTHER NOTICE FOR ANY MONEY
CLAIMED IN THE COMPLAINT OR FOR ANY OTHER CLAIM RELIEF REQUESTED BY
THE PLAINTIFF. YOU MAY LOSE MONEY OR PROPERTY OR OTHER IMPORTANT
RIGHTS.
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. 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.
LAWYER REFERRAL SERVICE OF THE CUMBERLAND COUNTY BAR ASSOCIATION
CUMBERLAND COUNTY BAR CENTER
2 LIBERTY AVENUE
CARLISLE, PENNSYLVANIA 17013
(717) 249-3166
By:
well Law Firm
19 Bridge Street
New Cumberland, PA 17070
(717) 770-1277
Supreme Court ID 62063
NEW CUMBERLAND FEDERAL
CREDIT UNION,
PLAINTIFF
V.
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY
PENNSYLVANIA
CIVIL ACTION - LAW
GERALD A. ALTER and
KIMBERLY L. ALTER
DEFENDANTS NO. 0 9-
COMPLAINT
1. The Plaintiff is the New Cumberland Federal Credit Union with a principal place of
business located at 345 Lewisberry Road, New Cumberland, York County, Pennsylvania 17070.
Plaintiff is a federally chartered nonprofit credit union.
2. The Defendants Gerald A. Alter and Kimberly L. Alter are adults individual residing at
302 Thomas Drive, Mechanicsburg, Cumberland County, PA 17050.
3. The Defendants are not current members of the Armed Forces.
COUNT 1: NCFCU CAR LOAN
4. On August 31, 2008 Defendants executed a Loan Agreement attached as Exhibit "A" in
the amount of Twenty Eight Thousand and Seven Hundred Twenty Dollars and 20/100
($28,720.20) Dollars at 12.00% interest and pledged as collateral on a 2007 Mazda CX7 Vin #
(JM3ER293970106727). Defendants were the borrower under this Loan Agreement.
5. The terms of Exhibit "A" required timely payments of $510.17 monthly for 83 months
and a final payment of $369.35 in the 84th month.
6. Defendants failed to make timely payments and the car was repossessed and sold with
Plaintiff receiving a net check for $15,265.00 from the sale after deductions for fees and
auction expenses.
7. After applying $12,880.34 received from the auction towards the vehicle loan and
$2,384.66 towards a delinquent VISA card there remains a principal balance due of $13,528.22
at 12.00% interest plus a per diem of $4.45 from June 5, 2009.
8. Defendants have made no regular payments despite repeated requests.
9. Pursuant to the Loan Agreement the Defendants agreed to pay all "court costs and
reasonable attorney fees" incurred in any collection action.
WHEREFORE, Plaintiff respectfully requests entry of judgment in the amount of
$13,528.22 (principal plus past interest) at 12.00% interest plus a per diem of $4.45 from June 5,
2009 together with all court costs and an award of reasonable attorney fees.
Respectfully submitted,
BS
619 Bridge Street
New Cumberland, PA 17070
(717) 770-1277
Supreme Court ID 62063
1a: 28 7177701278 YNELL LA's FIRM PAGE 02/04
Verification
I verify that the statements made in the forgoing document are true and correct. I understand that
false statements herein are made subject to the penalties 0: 18 Pa. C.S.A. Section 4904 relating to
unsworn falsification to authorities. I verify that I am the President of the New Cumberland
Federal credit Union. and that I am authorized to execute this document.
By:
Donald Varner, p • dent
NCFCU
Date: G A/01
JUN-05-2009 11:49 NCFCU 717 774 7997 P.02i08
:O. Soot 656 • New (:umherland, PA 17070.0659
717) 774-4633 • 1-1806-716.2326
LOAN AND SECURITY AGREEMENTS
AND DISCLOSURE STATEMENT
- /SY72007 L,QAN NUINaER At"
1R?3fF1`QR44AlI?rGQ 1 ???I
GERALD A ALTER
302 Thomas Drive
Mechanicsburg PA 17050
ANNUAL PERCENTAGE RATE FINANCE CHARGE Amount FIrIWMd
The cost of your credit as a yearly race. The dollar amount the The amount of credit
credit will cost you. provided to you or on
your behalf.
12-000 % $ 13,993.26 e $ 28,720.20
NUMBER MATURITY DATE
Total of Payments Total Sato Price
The amount you will haw The total cost of your purchase on credit is
paid after you have made 4
all payments as scheduled. which includes your
$ 42,713-46 a downpayment of S
Prepayment: If you pay off early you will not have to
pay a penalty.
Required Deposit: The Annual Percentage Rate does
not take into accourrt your required deposit, if any.
? Assumption: Someone buying your mobile home
cannot assume the remainder of the loan on the
Original terns.
Demand: This obligation has a demand feature.
H All disclosures are based on an assumed
maturity of one year.
Number of Payments Amount of Payments When Payments Are Due
93 5 510-17 MONTHLY 10/12/2007
AND 1 $ 369.35 e
Property Insurance: You may obtain property insurance from anyone you
want that is acceptable to the credit union. If you get the insurance from us,
you will pays N/A
THIS CREDIT UNION DOES NOT ASSESS LATE CHARGES 14 Filing Foes Non-Filing Insurance
$ -- •-
Security: Collateral securing other loans with the credit union may also secure this loan. You are giving a security interest in your
shares and dividends and, if any, your deposits and interest in the credit union; and the property described below:
Collateral Property/Model Year I.D. Number Type Value Key Number
MAZDA CX7 2007 JM 3970106727 AV $ 30,269.00
$ 0.00
A S 0.00
Other (Describe) 0.00
Pledge of Shares $ o • 00 in Account No.
0.00
$ 0.00 in Account No.
See your contract dgguments for any additional information about nonpayment, default, and any required repayment in full before the
. .: ..,..... .: n..:;. .,.K.. ..::::. ..
777 7'
CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ THE AGREEMENT BEFORE YOU SIGN IT, By signing as
Borrower, you agree to the terms of the Loan Agreement. If property is described in the "Security" section of the Truth in
Lending Disclosure, you also agree to the terms of the Security Agreement. If you sign as "Owner of Property" you agree
only to the terms of the Security Agreement.
ISEA X IseAL)
WER 1 DATE 2 DATE
}( 4 (BEAU 3' 0 X / ISEAU
?OTMER ®ORROWER OWNER OW PROPERTY WITN s DATE 0TH So OW PFTY WITNESS DATE
NXX022 ILASFR)
UN-05-2009 11:50 NCFCU 717 774 7997 P.03/oe
Credit Union New Cumberland Federat credit Union Loan No. Acct. No.
Sorrowed.0 GERALD A A iTER L# 4
1T Ml2ATlON: OF TH ?. ...
Itemization of Amount Financed of Amount Given to You Directly Amount paid on Your Account Prepaid Finance Charge
$ 28,720.20 0.00 S 2,00 $ 0.00
Amounts Paid to Others on Your Behalf; (if an amount is marked with an asterisk (•) we will! be retaining a portion of the amount.)
$ 28,545.20 To GERALD ALTER AND $ 175.00 To NCFCU
$ 0-00 To S 0.00 To
S 0.00 To 5 0,00 To
6 To $ a . To.
4 To $ To
$ To 6 To
$ To 3 To
A AG
In this Loan Agreement ("Agreement") all references to "Credit Un an," we," "our an
or 'us me F; redit Union whose name
appears above and anyone to whom the Credit Union assigns or transfers this Agreement. All re,ferences to "you,' or "your' mean each
person who signs this Agreement as a borrower.
1. PROMISE TO PAY -
You promise to pay $ 28,72°-46 the Credit Union plus interest on the unpaid balance until what you owe has been repaid. For fixed
rate Loans the interest rate is 32.00°% per year.
Collection Costs:
You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney
fees.
2. PAYMENTS - You promise to make payments of the before the date it is due. You will be in dpfau{t if you break
amp nt and at the time shown in the Truth in Le di any promise you made in connection with this Iyoan or if
Disclosure. You may prepay any amount without done ty. it anyone is in dafa?llt cinder any 8 curny agreement made in
you preps any p of what ou owe, you are still req fired corn oti n tnrith this Agreament. You will le in default if you
o make tl?a raaggulaarly schedulyed payments, unl ss we ve die, file Por bankru t% b rme insolvent (that is unable to
agreed, to a change in the payment schedule. 8Use t is pay Tour bills and ? ris anthFfsomeTing become dual, or if you made
is a simple interest loan, if y u do not make payments ny aloe or mislead11 state ants in our ?oan application.
exactly as scheduled, +our final payment may be more or fo will also be in default he pens hat we
less tan tamopnt o the final payment thati$ dt"sclosed. belveve may seriously affect your ab y to r ay wat you
if you elect credit insurance, we w II either include the owe nder this A reemsn or if you are in Fir, 1 t under any
remlum in your paym nts or extend tie term of your loan. QQthen or t wi s.
?f the term is extended yo will be required to make 6. Am RRi p A P- Weun ou are in default, we
additional payments of the scheduled amount, until what may demo d immediate ayment 4 the entire unpaid
ou owe has been paid. You pr raise to make all payments balance, uner this reemeit. You waive any ri ht you have
o the place we chops . If this oan refinances anotheC loo to receive demandq fgr payment, n4rice of inten? to demand
we ave with you, t?e other loan will be canceled immediate aymen and otice of demand for immediate
refinanced of e d e f his I an. payment. I we tdemanc? immediate payment you will
3. LOAN P1t CEOS ? li AIL 171% proceeds of this loan ontinue to pay interest at the rate provided for in this
are mailed to you, interest on this loan begins on the date Ag9reement, until what you owe has been repaid. We will
the io n p, ,W, r it io ou, al$o apply against what you owe en shares and/or deposits
4. SE?URITY FOwi?ud his Agreement is se ured b aA iven, as secure under this Awhement. We may also
property described in the "Securetsection of t?e Trut?i in ex raise any of er rights given y law when you are in
Lending Disclosure. Pro rt secufin other loans you have e?
with us also se urea t its can, unless the property is a ., PERSON RESPONSIg?,E - Earh person who signs
dwellinc. A dwelfln securefs thiiloan on)y if ft is espribed this Agrement will be individyaliy and ji/rite responsiblefor
in the ' ecuri" s tign o the ruth in Lendin Ac osure paying a entire amount ow d under t?is reement. This
'or this Joan. C . !j has a (fedeW caliart?r. Statutory men we can enforce o r rights against aRy one of you
Lien - IT you are in de aut on a financial obligatio to us, i diyAUj nst all o yo together.
federal law ve us the r{ ht to app/v the balance oI shares a? LAW Wind - If you are?ate in making a payment, you
and dividen?is in all indi ual and /dint accounts yo have promise to pay the late charge shown in the Truth in Lending
with us to satisfy that aEffigation. After yyou are in efsult, Disclos re. If no late charge is shown, you will not be
we may exercise this rip t , /(hoot urtfier notice to you. har e?on$$.?
(We have a federal chaT r ity ur n$$me includes t term D AY 1j.
Pi ENFORCING RIGHTS - We can delay enforcing
'Federal Credit Union.' l ljr on has a stets agff an o our ri his under this Agreement any number of times
except ia7 phlo and lijhode We have a statutory Mien w{ hoof the ability to exercise our rights later. We can
on tie shares and dividends and, if any, the deposits and an once this Agreement against your heirs or legal
interest in all individual an oint cco nts you have with us re?3re e?tt iv
and may exercise o r rig unader it a lien to the extent 1O. ?O XII&D EFFECTIVENESS - If any part of this
permitted by state aw. a hav a state ch rter if o Agreement is deter nod b a court to be unenforceable, the
name does not include ,e term Federal CrB it Union y? to t; will remain in a4ect. Y
For a# borrowers: You pTed a as securityfor this loan a 11. NOT! ES - No ices will be sent to you at the most
shares and dividends nd, if in y, deposits and interest in recent adfress you eve given us in writing. Notice to .any
all joint and individual accou tys you lave with the credit e f ou ''``1 b notic tall.
union now and in the future. 1lte statutory Ren and/or yyouir ??, $T?i>rRR01e/ISiON -
pledae will allow us to apply the funs in yo r no (a
to at you owe when you are in auk. '?he tutor
hen and your pledge do not apply to any iivilua?l
Retirement Account or any other ac o nt that wou d ose
special tax treatment under state or Cleral law if given as
se un????
5.WI;FAULT - You will be in default under this Agreement if
you do not make a payment of the amount required on or
DIY YA70 !1 d :FR,
JUN-05-2009 11:50 NCFCU
Credit Union New CuMber[and Federal credit Union
Borroweri9) GERALD A ALTER
In this Agreement all references to "credit union," 'we," "our' or
"us" mean the credit union whose name appears on this document
and anyone to wham the credit union assigns or transfers this
Agreement. All references to the "Loan" mean the loan described
in the Loan Agreement that is part of this document. All references
to "you," or "your" mean any person who signs this Agreement.
1. THE SECURITY FOR THE LOAN - You give us what is known as
a security interest in the property described in the "Security'
section of the Truth in Lending Disclosure that is part of this
document ("the Property"). The security interest you give includes
all accessions. Accessions are things 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 Loan and any extensions, renewals or
refinancings of the Loan. 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 Property
secures the Loan and any extensions, renewals or refinancings of
the Loan. If the Property is not a dwelling, it also secures any other
loans, including any credit card loan, you have now or receive in
the future from us and any other amounts 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 or your
principal residence, the Property will secure only this Loan and not
other loans or amounts you owe us.
3. OWNERSHIP OF THE PROPERTY - You promise that you own
the Property or, if this Loan is to buy the Property, you promise
you will use the Loan proceeds 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 Loan 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. PROTECTING THE SECURITY INTEREST - If your state issues a
title 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 promise to do whatever else we think is necessary
to protect our security interest in the Property. You also 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 Loan has been paid off, you
promise you will: (1) Use the Property carefully and keep it in good
repair. 12) Obtain our written permission before making major
changes to the Property or changing the address where the
Property is kept. (3) Inform us in writing before changing your
address. (4) Allow us to inspect the Property. (5) Promptly notify
us if the Property is damaged, stolen or abused. (6) Not use the
Property for any unlawful purpose.
6. PROPERTY INSURANCE, TAXES AND FEES - You promise to
pay all taxes and fees (like registration fees) due on the Property
and to keep the Property insured against loss and damage. 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 insurance and get a refund, we have a right to
the refund. If the Property is lost or damaged, we can use the
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.
If you do not pay the taxes or fees on the Property when due or
keep it insured, we may pay these obligations, 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 Loan and you
will pay interest on those amounts at the same rate you agreed to
pay on the Loan. We may receive payments in connection with the
insurance from 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 Loan may include (11 the insurance company's
oavments to us and (2) the cost of determining compliance with
717 774 7997 P.04i08
Loan No. Acct. No.
L8 6 aim
AGREE, MMENT,?_
the insurance requirements. If we add amounts for taxes, fees of
insurance to the unpaid balance of the Loan, we may increase your
payments to pay the amount added within the term of the insurance
or term of the Loan.
7. INSURANCE NOTICE - If you do not purchase the required
property insurance, the insurance we may purchase and charge you
for will cover only our interest in the Property. The insurance will
not be Nobility insurance and will not satisfy any state financial
responsibility or no fault laws.
13. DEFAULT - You will be in default if you break any promise you
make or fail to perform any obligation you have under this
Agreement. You will also be in default under this Agreement if the
Loan is in default.
9. WHAT HAPPENS IF YOU ARE IN DEFAULT - When you are in
default, we may demand immediate payment of the outstanding
balanba of the Loan without giving you advance notice and take
possession of the Property. You agree the Credit Union has the right
to talcs possession of the Property 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 Loan.
If you have agreed to pay the Loan, you will also have to pay any
amount that remains unpaid after the sale money has been applied
to the unpaid balance of the Loan and to what you owe under this
Agreement, You agree to pay interest on that amount at the same
rate as the Loan until that amount has been paid.
10. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE LOAN -
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 change the terms of the Loan, you agree that
this Agreement will remain in effect.
11. CONTINUED EFFECTIVENESS - If any part of this Agreement is
determined by a court to be unenforceable, the rest will remain in
effect.
12. NORTH DAKOTA NOTICE TO BORROWERS PURCHASING A
MOTOR VEHICLE - THE MOTOR VEHICLE IN THIS TRANSACTION
MAY BE SUBJECT TO REPOSSESSION. IF IT IS NOT
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.
13. 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 mailed to the 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 $150,000.00.
? The folfawft notice ON1Y when the box at left is mar:lrad.
14, NOTICE: ANY ?ER OF THIS CONSUMER CREDIT
CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES
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.
15, OTHER PROVISIONS -
-- " "CM1
OF 11": PROTHOVOTAPY
2009 J'`? 12 PM 12= 3
$h8.-'% PO ATM
` aZa1(o (05 3
Sheriffs Office of Cumberland County
R Thomas Kline V, of ?u+nbrr/ ??••?u L =-j'F
Sheriff ff Solicitor
Ronny R Anderson Jody S Smith
Chief Deputy OFFCE aF T' `E S"ER'FF Civil Process Sergeant
New Cumberland Federal Credit Union Case Number
vs. 2009-3899
Gerald A. Alter
SHERIFF'S RETURN OF SERVICE
06/19/2009 03:31 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on June 19,
2009 at 1531 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Gerald A. Alter, by making known unto Kimberly L. Alter, wife of defendant, at 302
Thomas Drive, Mechanicsburg, Cumberland County, Pennsylvania, 17050 its contents and at the same
time handing to her personally the said true and correct copy of the same.
06/19/2009 03:31 PM - Robert Bitner, Deputy Sheriff, who being duly sworn according to law, states that on June 19,
2009 at 1531 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Kimberly L. Alter, by making known unto Kimberly L. Alter personally, at 302 Thomas
Drive, Mechanicsburg, Cumberland County, Pennsylvania, 17050 its contents and at the same time
handing to her personally the said true and correct copy of the same.
SHERIFF COST: $53.44 SO ANSWERS,
June 22, 2009
R THOMAS KLINE, SHERIFF
De uty Sheriff
1. -1
NEW CUMBERLAND FEDERAL
CREDIT UNION,
PLAINTIFF
V.
GERALD A. ALTER and
KIMBERLY L. ALTER
DEFENDANTS
TO: Gerald A. Alter and Kimberly L. Alter
302 Thomas Drive
Mechanicsburg, PA 17050
DATE OF NOTICE: July 10, 2009
NO. 09-3899
IMPORTANT NOTICE
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 (10) 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 PERSONA AT A REDUCED FEE OR NO
FEE.
LAWYER REFERRAL SERVICE OF THE CUMBERLAND COUNTY BAR ASSOCIATION
CUMBERLAND COUNTY BAR CENTER
2 LIBERTY AVENUE
CARLISLE, PENNSYLVANIA 17013
(717) 249-3166
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY
PENNSYLVANIA
CIVIL ACTION - LAW
AVISO IMPORTANTE
A: Gerald A. Alter and Kimberly L. Alter
302 Thomas Drive
Mechanicsburg, PA 17050
ECHA DEL AVISO: July 10, 2009
USTED STA EN EBELDIA PORQUE HA FALLADO DE REGISTRAR
COMPARENCENCIA ESCRITA POR SI MISMO 0 A TRAVES DE UN ABOGADO
Y SOMETER CO LA CORTE SUS DEFENSAS U OBJECCIONES A LOS CARGOS
QUE SE HAN PRESETADO CONTRA USTED. A MEMOS QUE USTED ACTUE
DENTRO DE DIEZ EN CONTRA SUYA SIN TENER DERECHOS A UNA
VISTA Y USTED PUEDE PERDER SU PROPIEDAD U OTRO S DERECHOS
IMPORTANTES.
USTED DEBE LLEVAR EST DOCUMENTO A SU ABOGADO
INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME 0 VAYA A
LAW SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE.
INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES
POSIBLE QUE ESTA OFICINA LE PUEDE PROVEER INFORMACION SOBRE
AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSTO
A PERSONAS QUE CALIFICAN.
LAWYER REFERRAL SERVICE OF THE CUMBERLAND COUNTY BAR ASSOCIATION
CUMBERLAND COUNTY BAR CENTER
2 LIBERTY AVENUE
CARLISLE, PENNSYLVANIA 17013
(717) 249-3166
Respectfully submitted,
By:
Date: July 10, 2009
Certificate of Service
I hereby certify that on the date set forth below a true and correct copy of the
foregoing document was served upon the party/parties set forth below by postage
prepaid, first class United States Mail addressed as follows:
Gerald A. Alter and Kimberly L. Alter
302 Thomas Drive
Mechanicsburg, PA 17050
By
Date: July 10, 2009
619 Bridge Street
New Cumberland, PA 17070
(717) 770-1277
Supreme Court ID 62063
r/1
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