HomeMy WebLinkAbout10-0242IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES : NO. 10 - a4ol 0,1vilTetok
CREDIT UNION,
Plaintiff
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CIVIL ACTION -LAW
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VS.
JUSTIN D. CAPSTICK
Defendant
NOTICE TO DEFEND
Pursuant to PA RCP No. 1018.1
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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 the 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. 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 relief requested by the Plaintiff. You may lose money or property or other rights
important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER.
IF YOU CAN NOT 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.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
717-249-3166
Document #: 180057.1
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EN LA CORTE DE ALEGATOS COM UN DEL CONDADO DE CUMBERLAND,
PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES NO.
CREDIT UNION,
Plaintiff
VS.
JUSTIN D. CAPSTICK
Defendant : CIVIL ACTION -LAW
AV I S O PARA DEFENDER
Conforme a PA Num. 1018.1
USTED HA SIDO DEMANDO/A EN LA CORTE. Si usted desea defender conta la
demanda puestas en las siguientes paginas, usted tienen que tomar accion dentro veinte (20) dias
despues que esta Demanda y Aviso es servido, con entrando por escrito una aparencia
personalmente o por un abogado y archivando por escrito con la Corte sus defenses o objeciones
a las demandas puestas en contra usted. Usted es advertido que si falla de hacerlo el caso puede
proceder sin usted y un jazgamiento puede ser entrado contra usted por la Corte sin mas aviso
por cualquier dinero reclamado en la Demanda o por cualquier otro reclamo o alivio solicitado
por Demandante. Ustedpuede perder dinero o propiedad o otros derechos importante para usted.
USTED DEBE LLEVAR ESTE PAPEL A SU ABOGADO ENSEGUIDA. SI USTED
NO TIENE UN ABOGADO, VAYA O LLAME POR TELEFONO LA OFICINA FIJADA
AQUI ABAJO. ESTA OFICINA PUEDE PROVEERE CON INFORMACION DE COMO
CONSEGUIR UN ABOGADO.
SI USTED NO PUEDE PAGARLE A UN ABOGADO, ESTA OFICINA PUEDE
PROVEERE INFORMACION ACERCA AGENCIAS QUE PUEDAN OFRECER
SERVICIOS LEGAL A PERSONAS ELIGIBLE AQ UN HONORARIO REDUCIDO O
GRATIS.
Cumberland County Bar Association
32 S. Bedford Street
Carlisle, PA 17013
717-249-3166
Document #: 180057.1
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
VS.
JUSTIN D. CAPSTICK
Defendant
NO.
CIVIL ACTION -LAW
COMPLAINT
AND NOW, comes Plaintiff, Pennsylvania State Employees Credit Union, by and
through its attorneys, Van Eck & Van Eck, P.C. and states the following cause of action and in
support thereof, avers as follows:
1. Plaintiff, Pennsylvania State Employees Credit Union, is a financial institution
qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place
of business situate at 1 Credit Union Place, Harrisburg, Dauphin County, Pennsylvania.
2. Defendant, Justin D. Capstick, is an adult individual with a last known address of
1112 Floribunda Lane, Mechanicsburg, Pa 17055.
3. Defendant is, and at all relevant times material hereto has been, the primary loan
applicant.
4. Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor
vehicle.
5. The loan application submitted by Defendant was approved by Plaintiff and
Defendant signed a Loanliner Advance Proceeds Check for the purchase of the vehicle. A true
and correct copy of said Loanliner Advance Proceeds Check is attached hereto, incorporated
herein and marked as Exhibit "A".
Document #: 180057.1
6. Pursuant to the Loanliner Advance Proceeds Check marked as Exhibit "A",
Defendant agreed to the terms and conditions of the extension of credit as set forth in the
Loanliner Credit and Security Agreement (hereinafter referred to as "Contract"). A true and
correct copy of the Loanliner Credit and Security Agreement is attached hereto, incorporated
herein and marked as Exhibit "B".
7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms
and conditions of the Contract marked as Exhibit "B".
8. Various charges and payments were made by Defendant on the account.
9. Plaintiff provided a letter to Defendant stating that the vehicle purchased by
Defendant was deemed repossessed. The letter further advises Defendant that unless payment in
full was made on the outstanding loan balance, the said vehicle would be sold at a public sale
and Defendant will be responsible for any resulting deficiency.
10. As a result of Defendant's failure to cure the default in payment, and pursuant to
state law remedies, Plaintiff sold the vehicle at public sale.
11. Plaintiff provided a letter to Defendant indicating that there was a resulting
deficiency after the sale of the vehicle.
12. Plaintiff has maintained a statement of account keeping an accurate and running
amount of debits and credits made on Defendant's account.
13. Plaintiff has submitted to Defendant a copy of the statement of account accurately
showing all debits and credits for transactions with Defendant.
14. Defendant has not objected to any of the monthly statements of account submitted
by Plaintiff to Defendant.
Document #: 180057.1
15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has
failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan
account balance, all to the damage of Plaintiff.
16. As of January 5, 2010, the balance due, owing and unpaid on Defendant's loan
account with Plaintiff is the sum of Fourteen Thousand Four Hundred Seventy-nine Dollars and
42/100 ($14,479.42).
17. Pursuant to the terms and conditions of the extension of credit contained in the
Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge on
the principal loan balance.
18. Due to the default of the Defendant and pursuant to the terms and conditions of
the Contract attached as Exhibit "B", attorney's fees in the total amount of Two Thousand Six
Hundred Fifty-three Dollars and 88/100 ($2,653.88) have been added to the account.
19. Any and all conditions precedent to the bringing of this action has been performed
by Plaintiff.
20. The amount in controversy is within the jurisdictional amount requiring
compulsory arbitration.
Document #: 180057.1
WHEREFORE, Plaintiff, Pennsylvania State Employees Credit Union, respectfully
requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant,
Justin D. Capstick, in the amount of Seventeen Thousand One Hundred Thirty-three Dollars and
30/100 ($17,133.30), plus interest, the costs of this action, and such other relief as the Court
deems just and proper.
Respectfully submitted,
VAN ECK & VAN ECK, P.C.
By: 4M & 4"
Melissa L. Van Eck, Esquire
Attorney I.D. No. 85869
7810 Allentown Blvd, Suite B
Harrisburg, PA 17112
717.540.5406
Document #: 180057.1
VERIFICATION
I, Gregory R. Diffenderfer; Manager of the Pennsylvania State Employees Credit Union
verify that the statements made in the aforegoing document are true and correct. I understand
that false statements herein are made subject to the penalties of 18 Pa.C.S. §4904, relating to
unworn falsification to authorities.
Pennsylvania State Employees Credit Union
By:
Title: 41 44 s6 AI •ge«l
Date: 1-5-10
Exhibit "A"
A?--tt Ms
ADVANCE PROCEEDS VOUCHER
AND SECURITY AGREEMENT
MEMDERNAME'
r,,,L USTIN D CAPSTICK-
12 FLORIBUNDA LN
CHA NICSBURG, PA 17055
MANSACTIOII OPEN-ENO
TYPE I, ? NEW LOAN 2. ? LOAN ADVANCE
PSE
/5/2007
Dealer Purchase
OTHER HOME
3. (DESCRIBE) 4. ? EQUITY ADVANCE
YOU HAVE PREVIOUSLY ELECTED TD HAVE THIS ADVANCE CREDITOISADILI Y
INSURED WITH THE FOLLOWING COVERAGE YEs ? No eq
DAILY PERIODIC RATE ANNUAL PER- INTEREST RATE Is AbIOUNT REQUESrE.
:RANGE IN TERMS ONLY) CENTAGE RATE +OTHER CtIAR0E3
7.490 % FIXED VARIABLE + ID L: ? 18,9
.0205205 90.9
MENT DUE DATE
328.31 10/5/2007
SINGLE CREDIT LI , S
YEs ? NO I?
Y _ I
Pennsylvania State
Employees Credit Union
P. 0, Box 87013
Harrisburg, PA 17106-7013
717.234.8484
800,237.7328
JOINT CREDIT LIM -
YES ? NO 1111
0.00 18,990.90
Monthly
WW THIS IS A HOME EQUITY ADVANCE, THE ONLYSECURRY FOR THIS ADVANCE L9 THE REAL PROPERTY (IN MOST CASES YOUR HOME) wHICH YOU GAVE AS SECURITY WHENYt]UR ACCOUNT
wAS ESTADLISHEA
IFTHIS IS NOTA HOME -1 ADVANCE; IN ADDITION TO THE WEDGE OF SHARES IN YOUR LOANUNER• CREDIT AGREEMENT, THE FOLLOWING PROPERTY SECURES TMS ADVANCE,
R'EM PROPERLY r :.I(t00Elr:.
'•r E'Al?`:r s%J'1%, ..' :LQ Eli,:"v.:..M.;'.•/ .TYB {??.?:5' .,{?•.;,::.r•V E
' VOLKSWAGEN BBIT
a 2008 WVWAA71K18W022804 CPE 16,315.00
a
4.oTHER
YOU WEDGESHARES AND/OR DEPOSITS OF $ IN ACCOUNTNUMBER
OLD
BY accepting the proceeds or by using the funds advanced and deposited into your share/share draft account, you agree (1) that the property referenced above
will secure the advance and any other advances you have now or receive in the future under the LOANLINEFr Credit and Security Agreement (the Plan) and
any other amounts you owe us for any reason now or in the future In accordance with the terms of the Plan and (2) to make payments as disclosed above In
accordance with the terms of the Plan.
®CUNAMURIAL GnJ11P 1990, 82, M 98.89, 99, 99, 2000, 01,01,09 ALL RIGHTS AESEaw PENNSYLVANIA STATE EMPLOYEES CREDIT UNION FOAM 83175 JV)O(01061 037•2082.1 (BI06?
?EGURiTY AGREEMENT "
this agreement all references to Credit Union; we, our, or us means Pennsylvania registration fees due on th
:ate Employees Credit Union and anyone to whom the Credit Union assigns the Credit ) the )regiment which will be referred to as the plan, All references to you, your, and Property.
grower mean each person who signs this agreement. All references to the advance If you not pay the taxes or fees o the property when due or keep it insured, e may,
pay these obligations, but we are not t required to do so. Any money we spend forwtaxes
:an the amount in the box labeled Amount Advanced. This e a multi state document fees or insurance will be added to the unpaid balance of the advance and you will pay
rich may be used to lend to borrowers In all states except Louisiana and Wisconsin, interest on those amounts at the same rate you agreed to pay on the advance. We may
receive payments in connection with the insurance from a company which provides the
THE SECURITY FOR THE LOAN - By signing this security agreement in the insurance. We may monitor our loans for the purpose of determining whether
!nature area or under the statement referring to this agreement which is on the back other borrowers have complied with the insurance requirements of
the check you receive for the advance,. you give us what is known as a security. or may engage others to do so. The insurance charge added to the advance may you and
;rest in the property described in the Security Offered section on the reverse side, . (1) the insurance company's payments to us and 2 the cost our loan agreements
security interest you give includes all accessions. Accessions are things which are with the insurance requirements. If we add amounts for taxes, fees or insurance to include
iched to or installed in the property now.or in the future. The security interest also unpaid balance of the advance, we may Increase your to ay compliance
'udes any replacements for the property which you buy within 10 days of the added within the term of the insurance or approximate term of the advance.
once or any extensions, renewals or refinancings of the advance. It also includes payments to pay the amount
money you receive from selling the property or from insurance you have on the a. 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
oerty. :ecurlty if if the asked value to of do the so. property declines, you promise to give us more property insurance will not be liability insurance and will not satisfy any state financial
WHAT THE SE responsibility or no fault laws.
trice W and other any advances you extensionshave, now or renewals C receive refinancings
9. DEFAULT You will be in default if you break any promise you make under this
thenancings future of the under the advance. Plan it and also any other secures agreement. You u will also be in default if you are in default under the Plan: If you are
unts or loans, including any credit card loan, you owe us for any reason now or pledging property, but have not signed the Plan, you will be. in default if anyone is in
e future, except any loan secured by your principal residence.. If the property is Qdefault who has signed the Plan.
;eTholutu
goods as defined by the Federal Trade Commission Credit Practices Rule,
dy will secure only the advance and not other amounts you owe. lt' form9assachusettsHAPPENS IF YOU ARE st DEFAULT l The ioliowa, paragraph'applies
to borrowers in Colorado, District South Columbia, Iowa, Kansas, Maine,
7WNERSHIP OF THE PROPERTY - You promise that you own the rope or are In a , M after issouri, Arebraska, South Carolina and West Virginia; When you
> advance is to buy the property, you promise you will use the advance for that curre yourdefault, wecan r quirrte of any right yo h immediate payment of dourpoutsable state law to
)Se. You promise that no one else has any interest in or claim against the under the Plan without giving you advan
:rty that you have not already told us about You promise not to sell or lease the Y landing balance
ce notice.
,rty to use it'as ve security for a loan with another creditor until the advance is defaultThe, we can require p immediate
:r You promise you will allow no other security interest or lien l t attach to the following h applies te to
payment (acc went (accle all other slates: When you are in
eleration) of what you owe under the
rty either by your actions or by operation of law. Plan and take possession of the ro
HOTECTING THE SECURITY INTEREST - if your state issues a title for the P pern' You waive any right you have to demand for
payment, notice r intent to accelerate and notice of acceleration.
rtY, you promise to have our security interest shown on the title. We may have The following paragraphs apply to all borrowers:
what is called a financing statement to protect our security interest from the You agree the Credit Union has the right to take possession of the property without
of others. If asked to do so, you promise to sign a financing statement You judicial process if this can be done without breach of the peace. if we ask, you promise
-omise to do whatever else we think is necessary to protect our security interest to deliver the property at a time and place we choose. We will not be responsible for
property. You promise to pay all costs, including but not limited to any attorney any other property not covered by this agreement that you leave Inside the property
ve incur in protecting our security interest and rights in the property, to the or that is attached to the property. We will try to return that property to you or make
permitted by applicable law. it available to you to claim.
?E OF PROPERTY- Until the advance has been paid off, you promise you will: After we have possession of the property, we can sell it and apply the money to any
amounts
e the property carefully and keep it in good repair. you owe us. We will give you notice of any public sale or the date after which
Sion before making major changes to the property (2) Obtai the addrwritten ess Y
:he property is kept m Inform us in writing before changing your address. (q) 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
is to inspect the property. (5) Promptly notify us if the property is damaged, include the cost of storing the
Ir abused. (6) Not use the properly for any unlawful purpose. property, preparing for sale and attorney's fees s the
extent permitted under state law or awarded under the Bankruptcy Code. The rest of
NSUMERS' CLAIMS AND DEFENSES NOT1CE -the following the sale money will be applied to what you owe under the Plan.
' only when the box an reverse side S checked. g paragraph If you have agreed to pay the advance, you will also have to pay any amount that mony E: ANY HOLDER OF THIS CONSUMER CREDIT C014TRACT is remains unpaid hafter the at you owe nderthis agreement. Youtagree to pay interest onfthat
CT TO ALL CLAIMS AND DEFENSES WHICH THE.DEBTOR COULD advance and to what
:T AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED amount at the same rate as the advance until that amount has been paid.
11. DELAY IN ENFORCING RIGHTS AND CHANGES IN THE AGREEMENT- We can
THE PROCEEDS HEREOF. RECOVERY HEREUfdQER by THE delay enforcing any of our rights under this agreement any number of times without
R SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR losing the ability to exercise our rights later: We can enforce this agreement against
NDER. y
this agreement our heirs or legal representatives. If we change the terms of the Plan, you agree that
will continue to protect )PERTY INSURANCE, TAXES AND FEES - You must maintain property 12. CONTINUED EFFECTIVENESS - If any part of this agreement is determined by
e on all property that you give as security under the Plan. You may purchase a court to be unenforceable, the rest will remain in effect
'rty insurance from anyone you choose who is acceptable to the Credit Union. 13. NOTICE TO NORTH DAKOTA BORROWERS PURCHASING A MOTOR VEHICLE -
unt and coverage of the property insurance must be acceptable to us. You THE MOTOR VEHICLE IN THIS TRANSACTION MAY BE SUBJECT TO
side the property insurance through a policy you already have, or through a
u get and pay for. You promise to made the insurance policy REPOSSESSION. IF IT IS REPOSSESSED AND SOLD TO SOMEONE ELSE, AND ALL
liver the policy or proof of coverage toe
us do if asked toe so, payable to us AMOUNTS DUE TO THE SECURED PARTY ARE NOT
MAY HAVE TO PAY THE DIFFERENCE. RECEIVED IN THAT SALE, YOU
icel your insurance and get a refund, we have a right to the refund. It the 14. NOTICE FOR ARIZONA OWIVERS OF PROPERTY- It
is lost or damaged, we can use the insurance settlement to re air the
p return a motor vehicle that is subject to a security interest, I, ilhin thirty days ahe'you
x apply it towards what you owe. You auihorfze us to endorse any draft or have received notice of default. The notice will be mailed to the address you cave us. it
ch may be payable to you in order for us to collect 2ny refund
your insurance policy. You also promise to or benefits is your responsibility to notify us if your address changes, The maximum penally for
pay all axes and fees (like unlawful failure to return a motor vehicle is one year in prison and/or a `ine of $150,000.
PiU, EEiP r OESCRfPT{QiV I?f! rf r- r:.
FUrFCG c o-nc,c Q r:c: I-, r
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Pennsylvania,State "Employees -Credit Union
POS- 67013 a N.m.bgPA17106-7017 (717)701.6464w(@:0)2]7-7776 No 6471840
1 _AUTODRAFT ` V01 OVER $,19 000 00 %r REFERENCE. 8264744999. -VOID 120 DAYS AFTER. 08131/2007
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ORDER OF IDE//ALERI e.
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Exhibit "B"
Pennsylvania State Employees Credit Union
r.; .
CO-
Loan Disclosures
A 4yt' tG114L'kSf e1$ar y °fi. 'M1i'•r••y??. ti'3'f
1 ?? n,~,? ? i 7C 7t f w i r f
I :V-i y M
mr iw2s a tr°>a ee 4X ,.t,f Js ate:5 , +z .ewoo.,t B
.. ., .. _.. .er ? .alt 't;. ...._ ._ ..^a
Ir ^i; _IC,s.a ::ir'.:'ur.vrres?oasihePlan h,P;a,
<n;•, t a :Ir: Ajj, :rl'_:rn You your borrower r??:'r.
! ,e Fi.n. Credit anion. we, our ;w,- us r'tiEC., c•r cilia r ? tr .. . h
Jrl; lI trmr,fv s its ti, 'jil_ i'.d`_t tale PLir,.
HOW THIS PLAN WORKS -'-n cm c.;.tn-erj.
a that, tro n limn to fir„ vii, b"InOW jt , ni-y (ca ! d "'d wv :rider
Inc 'tan, We are not required to make advances to you under the Plan and can
refuse a request for an advance at any lime Acic.unduii rr ri ,s h
mfferert' Vpe; „ f c. di f afie hueee r t, , iva l ybi_ ur,d sr I a Ian ie ('w.-Or,
interest rate each sutra:..oun•t est,c_sed as a daly pf9r.ud,r rFt, ari,i
_wrespunding annual perccnlagi? rate: a rd other c rges ii clay :1180 have ;.4n:,
terms and a srhod,; e for detarn).gin.g t^ : pay rent „mounts
CREDIT LIMIT - iVe may, taut do nct have in, establ h a credit lino! on ce.rttvn
suhaccounts. if a credit limit is set tnr a 5LbaCCdur.l, you pray, se not to (arced the
eslabhshod cied!t limit. if you exceed Inc rrodit you orom u :,:oar
immed,acely the amount •,vhich exceeds the credit limit.
REPAYMENT - You promise to repay all ami>ur-its ytu oae under !te Pan plus
interest. Paymonts are oue rn the last day of the month unless we sot a 'idfaront cay
tit she vino of an advance. It the Addendum has no payment schedule for a
SUbaeCOUnI, your payment will be determined at the fime of cacti advance.
Payments roust include any amount past due and any amount by which you nave
exceeded any credil limit you have been given for a subaccount. You may repay all
or part of what you owe at any time without any prepayment penalty Even if you
prepay, you will still be required to make the regularly Scheduled payments i,,n:oss
i we agree in writing to a change in the payment schedule. If you have a joint
sharedraft account, you will be responsible for paying all overdraft advances
obtained by a joint holder of the sharedra'1 account. Unless otherwise required by
law, payments will be applied to amounts owed under tie Plan, in [tie manner the
Credit Union chooses.
PLAN ACCESS - You can obtain credit advances in any manner authorized by us. It
we allow you to use your ATM) Debit card to access the P!an, you may be liable lot the
unauthorized use of your ATMiDebt card. You will not be liable for unauthorized use
that occurs after you notify us, orally or In writing, of the loss, ;heft, of Possible
i unauthorized use. If you believe your ATM/Debit card has been lost or stolen.
Immediately inform the Credit Union by calling or writing us at ;tie telephone number or
address that appears eis(*where in the Plan. H the card is used to obtain unauthorized
advances cdirv Ay from the Plan, your liability will not exceed S% If the unauthorized
withdrawal is from a sharedraft account, your liability is governed by the Regulation E
disclosures you received at the time you recdveil your ATM;C)obii card, even If the
withdrawal results In an advance being made from your overdraft subaccount.
FINANCE CHARGE - The dollar amount you pay tar money borrowed is called a
"firrance charge" and begins on the Cate of each advance. A finance charge will be '
computed separately for each separate balance under the Plan To oornpu!e the
finance charge, the unpaid balance for each day since your last payment for since
an advance if you have not yet made a payment) is mulhplinn by the applicabie daily !
periodic rate. The sum of these amounts is the finance charge owed. The balance 1
used to cornpute the finance charge is the unpaid balance each day after payments
and credrs to that balance have been subtracted and any adddiotl5 Ic• the balance
have been made. In addition to interest, v:c may charge other finance ctiafgPS which
are disclosed on the Auoendual. It the interest rate is a vanaolo inform St rate. the
Addendum a\plains how the varlah:e in;lfest rate works, i
SECURITY -'You pledge as security tat the Plan all snares and dividends and, it any, j
all dapcsr:_i and interest in all joint and utd'vidu it accounts you ja `ith us nova and
it the tu6ue. if a specific doi,ar amount ds pledged for an advance., vie will treeze
Shares m that account to the extent of tie oufstariu rig balance fir the aihNani
Ot,•ienvise, your pledged shares May bo withdrawn unless you are in default The
following paragraph applies In all states except in Ohio, Rhode Island and
Massachusetts: We have a siatutor/ her cn uie shares ann 1rv,dends and.
it any In
dcpu 1s and interest in all ina.vidual and join acccuwils you I?avr ';Ih us ar, m'y
t•x ic;se cur r ghts Jnder the lien W Inc, e,,ent pormt ,.c:: by state A_tL (4'vo are State
chartered if fur name :foes nct enclucr Inc term 'Feceral Oiedit Union') For all
borrowers: The statutory lien and/or your pledge will allow us to apply the funds '
in your account(s) to what you owe when you are in default. The sl'alu!:iry aer. an?
you, pled7e oo not apply to any Ir::iv'dua; Retirement A.couh! or any other account
toga 'W'ould ,cse special tax treatment under sate or fedcra' Law if • even as Sa....: i1y
AaJr,onat sc" UWy `or :he Plan may be required at tl:e tinge of a.^ ad'rau;c•_ If
SI. C.rC; OL-!1 _rl ti llfr5 a _ype C' pre`_ eriy >U(.?rt; 't e'. Cws'j `,,, rru: I ,.:.:a
type of 0.'operty as sec,swy e•.hen you 'get a r. advance ur-J r Ihat s tie CCJU 91
S.,:a.,_o.,nt ^ame suet as Other Seared urea,s m,:vt prov,zic s;,-,u.•y
'1r, 1'n zcs vt en nn a , a a n ,ri7r•r r . S 1 rr Pin r ya
_ecur,:y 'mil .ecu _ .d .,:?.,.:, ...o eii dE' ' ie r-.., n• i ,. ...I Ir...r _ ,
_. ,.., of ;r. I ' t" -. ar y -si s. 7.i, _. _y y a Pr
..acipa, .. rr;
Pi e'r'i I, ..? r. 1 .. ..;I .J f'':...
CREDIT INSURANCE i . ;riJ' a r
Arl it :'1.: . 1:1 .n :*. .:r._. ;i_( i4S', r i. r..e 'r.]: I u . ,1 ..c
lo 'our 1. _a^:L 3 c1.'lfl. ..
-he ,rut„ Nl:es Lae; di rn) t e I the ra• . wri will
PERIODIC STATEMENT - On
a r r _ :::i re eive a s4 ,cent sno,•,u?g
'til dur'n., by r. ,,-,(,ru.. rat
S!atewena an, .,o'ic s w,;l he" s, nt ,n y"iu at !ne rof-.F t oaf n;ss you :_ve
grrran a,.g. r; a'ri'!ng. IJnlesss aprl'e itr e Lt :v n. ,. n.s r.ori:Ar to earn joint h?rrrp?nr.
iobcn to ::r^y Wit' "A pC:u wiif be nOMC: tJ !i
JOINT ACCOUNTS - if this is a form'fcc'oun each r,' :i is individually and icinfly
rek'prn5ible fOr Iy4Ir all am01unt rood Thai mea•is we can entrfee Jilt tic his
unricr the Flan arn„ any one .d you Ir d. vic•..!-al y or against Al of y. u roge leer. 11 you
gore us inn;nsiSte,n instruct ons, vic cwt rofuso tO fono.v your instTUrhcifs Unless our
written policy requires all of you to sign for an adearice. each Of you authonzes the
otherisi to ohtair advance, indwidl,aliy and agree, Ic repay advances made to the
e!hcr(s). Any joint accounih.ddcr may lerminate tho Plan by gmng us prior written
notice. if a•ty of you terminate the Plan, the Plan is terminated for all of you. You
i rernairi liable Individually and jointly for all advances incurred before termination.
FEES AND CHARGES - If you give us a security interest in certain types of
property, we may charge you a tiling fee to perfect our interest in the property. If we
i do, the amount of the fee will be disclosed to you at the lime you obtain an advance.
We may a!so Charge you other foes in connection with the Plan. Our current fees are
d,sclosed on the Addendum acrd will be added la your loan balance unless you pay
them in cash.
UPOATiNG CREDIT INFORMATION -You promise that you will promptly give us
j written notice if you move, change your name or ernployment, or if any other
' information you provided to us changes Upon our request, you also agree to
provide us updated financial information.
DEFAULT - The following paragraph applies to borrowers in Idalto, Kansas,
Maine and South Carollna:'You will be in default if you do not make a payment o1
the amount required when it is due. You will also be in default if we believe the
prospect of payment, performance, or realization on any property given as security
is significantly impaired.
rho followfng paragraph applies only to borrowers in Wisconsin, You '.will be in
I default if you fail to make a payment when due nvo times during any 12 month
period You will be in default it breaking any promise made under the Plan materially
impair, your abilay to repay what you owe or materially impairs the condition, value, i
i
or protection of of our right in any Property you gave as security.
rho following paragraph applies only to borrowers in Iowa: You will be rn l
default if you are more than 10 days lade in making a payment. You will also be in '•
default if you oo not comply with the terms of the P`.an and your (allure to comply
n:atcriaily Impairs any property you gave as security w your ability to repay what you
ovie under ice Plan
The following paragraph applies to borrowers in all other states: You will be in
defaull it yo<f do not make a payment of the amount requited when it is clue. Yu will
be in default it you break any promise you made under the Plan or if anyone is in '
default under any security agreement made in corinecnon with an advance under
the Plait You wil! be in dufauh if you die., We for twnkruptcy, became insolvent, If you it
make any fake or misieading natoments in any credit applicahor or update of credit I
in(camahM. or It something happens we bei.ve may substantially reduce your i
ability to repay what you ewe. You will be in default it any property you have given
us as sccunty :s repossessed by someone else, Sol- )d under a forfeiture or sMillir
law, or if anything else happens that significantly, affects if?c value d' the property or
our security interest n it You will aisu be in defy. t under the Plan if you ire in default
.,male--r ay ,r.f er Ilan agreement with us.
ACTIONS AFTER DEFAULT - The following paragraph applies to borrowers in
Colorado, District of Columbia, Iowa, Kansas. Maine, Massachusetts, Missouri.
Nebraska, South Carolina and West Virginia: Wh:;r: you are m detault and a':e,r
- .Aoirabcn c any right you have :,!.der x,piic._,. i slate l1,w to ruri• your diaaul:, we can
rata^d In'me l eio papmenl of the :r lit un( t' f C:;Iance unuer ine Finn vi in ,t
giving yoiiat!fvE,F7e nonce -
The following paragraph applies to borrowers in all other states except Wisconsin
and Louisiana: ar•en- y.u ir- in J.t u rv J r-j,ure imm.-yia:e pay r •nt
C-_ cr t11nl elfin n;ire t nJ .a r PI n. Y L. v i. e ary you ?-,e
dc:n. nd r_ir p(h, n cr ,, not;',e o, Icn o d .... is ., (' ar,,d n0 '_E. of a•"Ce erafion.
The following paragraphs apply to borrowers in all states except Wisconsin and
Louisiana: it ?nn o(fin-e p?;'ne. is ,oi; cc-!'race to pay in!erest :nt
•'.r :.. _ i. ) : rr: {; ,. _ .. !Ili- .l, I _ :D.e' ,rte r .-. .. , :n a ec' ,•, it a;,p!ic bin
r
r ark
r OAN_0 rER Crea,r.aria ScC,iWj Credit Ag-,cerrotil fconLnuedi
r :0
,4!.. f _ an t .. , c•cyi .., 5r r r r : r'
.5 _ :..r., ar.,..r all, '11-1 ;u :. ', •., C :e- ...
x
,t ti (.%. I! xa ..? 1)
71,yi
?. •?Il ? t-.y „r v' .r :... _ ce. :,ar .. .. ,.. n [t -r- c .:. n y'.. _ .. , r'.
at- E nu J:• 'ti's f ,s try l,th r rDj,,;r ,:o rni .t ii•r
qre, ,-jnr_'t, lent y-. ?... 11S .;•a ... „ f: :,f !y :,r t .,.at.l (u .'+(,
.wi try la that Lac.:,, ; fly •o yc.. nr ^ 9V.E t a• _lcb e `.rr you t... ..'ace.
.After wr, lave pas c . iii. .:f :t properr: v ::at ..q it ;ind ;%;)pfy a mnnay !O an;
a•ttr,unis you a,v•s ,. W_ wrl .e yO., nc 1 t. of nny ;;r inr dale after
v.hicn a pr'..vaie. di gy,., nion v. be -.field, -.wr ,;e-is<•s for 1*l..ng Dosses'. 'n 0 and
,idling it,., prccerty viii be d4::;1t1C!e0 fr„' !n mon,3y receives from the bate Tn•-' e
cos!} nu3'y inclrhle tide (i'?S[ O' S!C;nng the loperly,, pitip r ng t ' r sa'c an ' art , y's
te•s to Ina ex!e-it permitted un Jar Sate r w br awarded ender The Bankr,.)tcy Code
'rbij must pay any a nounl :ltat romains ties. aO after ;he .. 3la money has been aupliod
to any unpaid balainc:e udder 11:E Plan You agree In :ay ;ntefest on that amount at the
saute rate as no advance, of. If appticarile, at the default rate dish;used on the
Addendum, until that. amoi,mt has oeen paid.
The following paragraph applies only to Wisconsin borrowers; When you are In
default and after expiration of any right you have unater appticanie slate law to cure your
default, we may require immediate payment of your outstanding loan balance under the
Plan and seek pQ ;ec,4'i;tli of property given as security You may voluntarily give the
properly to us if you choose, or we may seek to take possession of the property by
IniOcial process. If we repdssass the property. you agree to pay reasonable expenses
incurred in disposing of the property. If the property is a motor vehicle, mobile horn,
trailer, snowmobile, boat oraircratt, you will also tin required to pay any costs permitted
by Section 422.413 of the Wisconsin Statutes. You must pay arty amount that reruns
unpaid after the sale money has been applied to what you owe under the Plan. You
j agree to pay interest on any unpaid amount at the same rate as the advanca, or, if
applicabte, at the default rate di-closed on the Addendum, until that amount is paid.
I If the property is located outside Wisconsin at the time of default. we may take
possession of the property without Judicial process, if permitted by the state whore
the property is located.
The following paragraph applies only to Louisiana borrowers: When you are in
default, sae can require immediata payment (acceleration) of the entire unpaid
balance under the Plan. You waive any right you have to demand for payment, notice
of intent to accelerate and notice of acceleration. If immediate payment is
demanded, you will continue to pay interest until what you owe has been repaid at
y the applicable interest rates in effect unless. a default rate is disclosed on the
.Addendum. If a demand for immediate payment has been made, the shares and
deposits given as security for the Plan can be applied lowards what you owe. We
can also exercise any other rights given by law when you are in default and our
rights under any security agreements you have with us
CANCELLING OR CHANGING THE PLAN - The following paragraph applies
only to borrowers in Illinois: We have the right to change the farms of the Plan from
time to time after giving you any advance notice required by law Any change to the
interest rate or other charges will apply to future advances,
The following paragraph applies only to borrowers In Wisconsin: We can
i change the terms of the Plan from time to time in accordance with Section 4212 415
of the Wisconsin Statutes. You will be notified of any Change in terms, An increase
in the daily periodic rate under a variable rate interest rate is not considered a
change in terms under the Plan. We can cancel the entire Plan or any, part of the I
Plan at any time. You may cancel the Plan at any time by giving us prior written !
nolico. Your ouligation to pay the unpaid balance under the terms of the Plan j
cnnllnues whether you or the rredtt Linton cancel the Plan. except to the exTe=nt that
your liability is limited by Section 422.4155 of the Wisconsin Statutes
The following paragraph applies only to borrowers in Iowa: We can change the
terms of the Plan from t•me in hme after giving you any advance rn_,ttce required by
law. A change that inertias..^s the rate: of finance charge or other charge, treat
increases the amount of your vaynients, or That otherwise acrversely' affects existing
balances will apply to existing balances only 'f you agree to Ins change or you use
the Plan after rece•ving nofico trial your use Of the Plan aeons you ague one I
charge applies to existing balances.
The following paragraph applies to borrowers in all other states: We nave tho
r ghS to cn an;ie the terms of ins Plan from time to time !ter giving y::u any aomnr e i
rbtice required by iaw Any change in the, ihtereSt late Will apply to future adva:'Cc`
arNJ at our ^-SGrerlon and subieet tO any requirements of acpfica7ne taw. w',I!'isa
apply to unpaid baiances.
The following paragraph applies to all but Wisconsin borrowers: An 'n r -are iri
the daily perlo-lic ci> under d t rlabi@ in;er•,sI ralo- is c.ol C. n`iCieit7 a una.ngrr :^
iefrns wl7ipr th] P!:_n. 1°.''e can cancel the entdc P,an ..^,r an part c.! the Plan at ,?,
b^ia. You may cancel me Part nil any . me by q;. r4 :_s pn,;r .: er notice-lo c
ubl aaWor, To pay file unpa-d Lal,,nies airoer tre tern s or Tile P r .,rues v.?tUrer
you or the Credit 1_,r.on cunR. ri%o Plan
DELAY IN ENFORCING RIGHTS AND CHANGES IN THE PLAN - Vie c,.-, citlra,
wilorcinG any ,f .,fir iiq:' is ur->ii : Piton ,ny Ih•7.if in, ',g t-e
CONTINUED EFFECTIVENESS -
NOTICE TO UTAH BORROWERS - `i.- i:. ,
._ .. .:an71f .r e:... Ur: .. .... ..'•r _?r e. s.f.ur;t .. r,t
The tollowing is required by Vermont raw --- NOTICE TO CO-SIGNER - YOUR
SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE
FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY,
THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
i The following paragraphs apply if you give security in connection with an
advance under the Plan. They apply to borrowers in all stales except Louisiana.
Louisiana borrowers will execute a separate security agreement. Borrowers in
other slates may also be asked to execute a separate security agreement.
THE SECURITY FOR THE PLAN - ',ire g.ve us t IS r:not. i acs a roomy
merest in all properly rt. srrbad in tiny rCeir•t, vc;cher or oilier document you
mcoive for an _Rcannee C!f•e Advance").II!e secur;;' mferest yci gave includes alt
accessions. Accessions are things vh:Gh arc attached to or ns!;Oeo in the proCn,"rpy
i now cr in the t rare. Tht ecj:fty •nforest also inclune .ny replarements i the
property wrrch you buy arthir, 10 clays of th< Advance or iriy e+a(insons, ten, Ovals
i or refinancing of the Advance It also includes any money you receive from semng
! tt'te proper'` or from ;nsurance you have on tl;e property. If the, value of the ptpor„ rly
i
declines, you promise to give us more property as tecuntv if asked ,o do so,
i
WHATTHE SECURITY INTEREST COVERS/CROSS COLLATERAL PROVISIONS
-The security nllemst secures file Advance de Scribed m the receipt, voucher or any
ether ocicument you racdive at the time of the Advance ar d any extensions, ten?waiti
is. or refinancings of the Advance It also secures any other advances you have now
or receive in the future under the Plan and tiny other amounts or loans, j
including any credit card loan, you owe us for any reason now or In the future, I
except any loan secured by your principal residence. It the property is housenold
goods as defined by the Federal Trade Commission Credit Practices Rule, trio
property wit secure only the Advance and riot other amounts you owe f
i
OWNERSHIP OF THE PROPERTY -You promise that you own all properly you
give as security or if the Advance is to buy the properly, you promise you will use c
the Advance lot that purpose. You promise that no one else has any Interest to or i
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 ban with another creditor
until the Advance Is repaid. You promise you will allow no ether security interest or
lien to attach to the property either by your actions or by operation of law.
PROPERTY INSURANCE, TAXES AND FEES - You must maintain properly 1
insurance on all property that you give as security under the Plan. You may purchase IIII
the property insurance from anyone you choose who is acceprable to the CrWist
Union The amount and coverage of ine 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 tile, policy or proof of coverage to us if asked to d0 50.
If you cancel your insurance and gat a refund, we have it right to the refund. 11 the !
property is loci or damaged, we can use the insurance settlement to repair, the
property or apply it towards what you owe. You authorize us to endorse ary draft or
check which may be payable to you in order lot us to collect any refund or benefits
due under your insurance policy. You also promise to pay all taxes and fees (like f
registration fops) due on the property
!if
It you do not pay the taxes or foes on the property when due or keep it insured, we may
pay these obligations, but vie are not required to do so Any money vie Spend for taxes, j
fees or ,nsuran e will be added ;o the unpaid balance of the advance and you will pay
interest on those amounts at the same r•i e you sgreea to pay on the advance We may
receive payments in tonne lion with the irsurance frorn if company which provides the
insurance. We may monitor oar ;eons for the purpose of determining wwholhef you and ?
other borvhrers have complied with the insuraince requirements of our ICan agreements j
or may engage others to do so. The Insurance change adoed tG an advance may ind )de l
11) the insurance company oaymenl5 to us and (2y the cost of determi'Yng ;?ornpfiance
with ire ulsar Inca requirements. If vvti odd amounts for taxes, fees ix !nsurance to the !
unpaid balance of an advanc-, we n",ray p,cretrio your paynv)nts to oay the arnt;unt !
added wit':in the term of fro insurance or approximate !vm of Iltil advall,e
INSURANCE NOTICE - It you do n:4 putcriase the rr-qu.reo property insurance,
Inc msuranoe tic may purchase ,ind charge you for will cover on y our interest e^ the
roperly. The nrenl,i rn f• is. this insurance, may be nigher because the ir.surarce j
ompally ntay nave given LIS the right to purchase insir;inee after uninsured I
collateral is lost or damaged. The insurance will not be liability insurance and
will not satisfy any state financial responsibility or no fault laws.
PROTECTING THE SECURITY INTEREST - If state i>sues a Gt,e for :he
properly. vo',u prom SC :0 have ot.r sei:Jn!y irdeaest 5tiov.n tin tier title t4'e ,may h?lVO
.,, hie &h' ..: _ a fir, is. 1r.,T •itr:!anlt:nt'a Wol": Our Secuwy inleresi front the '
"airs ,•1"er„ Lea
: f 1.; sa. o.i p')mi. -- i.) !,q , a brlancr-y >!a ?hen! Yon,
3150 donate 1) :70 -alts' :.r -,:.e _ ill. ilk 15 r;eCessc.ry lo hro:cCI ;ur ,.',:rdy -
i ;;C;;)efly y'J , f-,n!& lr l;; y 'til i ,:5 n ! rLna 1;11 a :.I h','eCl C ny
8avl r.y T?..-,. t• inc-r ill r ittC,;t f ^y .,,;f _C•;u i i_ Pal ind r'ynis :'.G t)fC J^f ty.
1 ;h. c.-,i.:c l.t r:IC•:) by I.lil:.::b':: ?,.
Ell- : fi
LQ.:._NLINEft'_Crod inc security CrM1rt Mgr<•c merit (conti;!ucdl
USE OF PROPERTY - no--- i• t
.. ?i•!. _r hCi SC I, ti.
NOTICE TO NORTH OAKOrA BORROWERS PURCHASING A MOTOR VEHICLE
- 'H f.,f;'.?'ki LFNh..L .•.I, 'F' ,;.\,:;?1(.rfa F "f ?;L i IL ..
I'T' IS f (.; =.bk... ;FG AND
AND LA yl: JL.t .? . _ ,'ri= SECUPED :Hi .al _ .i.. ,ktL .•r'..
r.nr, A r_E, "'(10 14Y nr;? rO r-•,:',Y rE U?FF r Ef-CL
NOTICE FOR ARIZONA OWNERS OF PROPERTY - .t !s unla,-J-1 'or Yc:; tit !ad
to rturn a motor t. at i!7 St ec t:., A ea,h!y tiros. volnr: tl•ir' day, rd!iar
;ou '18 e r.C. -ived nhtlco of '1ef hilt T:1 nlt!':a .. .,i_ f i, .•1? y6a
us. It is your reaper tty to r,atihy l:$ If Jr}Uf 'C)' f@SS C'11:fife:5 ?tr m,':r rn:rn
This notice contains important information about your rights and our respons! fli ies
uncer the Fair Credit Billing Act. You are advised to read your monthly s!aLrnent
and review it for arty error discrepancies or unauthorized !ransactions.
NOTIFY US IN CASE OF ERRORS OR OUESTIONS ABOUT YOUR
STATEMENT. It you think your statement is wrong, or if you need more information
about a transaction on your statement, write us On a separate sheet at the address
listed on your statement You are required to notify us in writing within 60 days
following the date on which 1ve sent your statement wherein the error or probter
first appeared regarding any discrepancy or unauthorized transactions on your
account. Failure to notify us may result in your acceptance of any responsibility ter
payment or reimbursement to us for any such error or discrepancy on your account
Write to us as soon as possihle. You can telephone us, but doing so will not
preserve your rights.
j In your letter, give Us the following mfornlalion:
Your name and account number.
The dollar amount of the suspected error,
Describe the error and explain, if you can, why you believe there is an error
It you need more informa;•.on. describe the itern you are not sure about.
If you have authorized us to pay a credit card account automatically from your share
account or checking account. you can stop the payment on any amount you think is
wrong. To stop the payment your fetter must reach us three business days befoe thu
automatic payment is scheduled to occur.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE • We must acknowleoge your fetter within 30 days, unless we
have corrected the error by then. Within 90 days. we must either correct the error or
explain why we believe the statement was correct.
In this Agreement, the words you and your means each and all of those who apply
for the card or who signs this Agreement. Card means [tie Visa Credit Card and any
duplicates and renewals we issue. Account means your Visa Credit Card Line of
Credit account with us. we, us, and ours means this Credit Union.
1. RESPONSIBILITY- 11 we Issue you a card, you agree to repay all debts and the
Finance Charge arising from the use of the card and the card account. For example,
you are responsible br charges rnade by yoursolf, your spouse and minor children.
You are also responsible for charges made by anyone else to whom you give the
card, and this responsibility continues until the card is recovered. You cannot disclairl
tesponsibiity by notifying us, but we will close the account for new transactions if you
so request and return all cards Your obligation to pay the account balance continues
even trlough an agreement, divorce decree or other court judgment ro which we are
not a parry may direct you or one of the other persons responsiole to pay the account.
The cards rernain our property and you must recovi-r and surrender !o us atl calls
,ion our request and upon terminarcn o this Agreement.
2, LOST CARD NOTIFICATION - It you be',ev . the card has been :os'. or stolen,
ycu .tdi !mmpd:Rtely call Inn C•t.,, t Union ai i' 1-'.1 2344,4F54 ar.•8O(P 237-7328. After
hoir, call ,host 56-5675
3 LIABILITY FOR UNAUTHORIZED USE You to r e ) r,! ti r nine o u r tar
u " vadifi j Of the has, their or mawnoru°r+d us ,il y' ur „ail Y:xa rn 1 r,
for ine unawnchzed uw JI yc. f Credit Carl. Y u wiC '10, ,)o :table ICI unrlt, r; ri,.: _ ,!7
that O;,cur5 after you notrl; 'us of •he IO<_.5, Of Fx?55,f?'e Jn;airih9l:.'8? use. voi .•.;!! h:aae
no lasbd!ty tf r „maul r,. ell purcn..s,es n,ad. :nn y,^.ur C,o.) Card, 55 yo , .tie ?rc'ss';
nogl rentIn the ham-4img O' yOD ?.al.'. In yo r 1 L, rT ,lilt 'wt excee:l S51
4. CREDIT LINE - if rte r.ppre•: ;our ofc..tio ee .v.:i _,!ttb:sn
reO!en'sh rg Ltne of CreJ.' fcr •.ou and •7_,i ,, ;:f CS smcurl 1; en we I
..arch. Yi J 3r]r not! r, c ic,ou9t U:iinnC( ?Y,'<.>G V b& .. 'roa t Lnt t:.dlC
,:, yoen• you i ke n 9 e R. - %., r. SD' re "a': Ora- I l ,n? rim 1
'414) 15 A. ),I_...:,) t pr rL'Si. Y>„ .?y r.. „r. G':,I ar' r.r ..: e n ,J.d C•ec-fm
For those members who purchase a vehicle under the
DRIVe Program. please review the following FTC Notice:
NOTICE
ANY HOLDER 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 WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
DEBTOR HEREUNDER.
After we receive your leder we cannot try to cr;Aec:t any amour, you quuLaion.. or te-,ort
ycu as delinquent. We uin continue to send statements to you !or the amount you
question, including finance charges, and we car,. apply any unpaid amount agawis! your j
credit limit. You do not have to pay any guest,onr;-d amount yallle we are inv!astiga!=.ng,
but you are still obligated to tray the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you will not have to pay any
finance charges related to any questioned amount. If we didn't iriaka a mistake, YOU
may have to pay finance charges, and you will have to make up any missed
payments on the questioned amount. In either case, we will send you a staterlc,•nt
of the amount you owe and the date that it is due.
if you fail to pay the amount that we think you owe, we may report you as delinquent.
liowever, if our explanation does not satisfy you and you write. to us within ten days i
telling us that you still refuse to pay, we must tell anyone w'e report you to that you !
have a question about your statement. And we must tell you the name of anyone
we reported you to. We must tell anyone we report you to that the mailer has bean
settled between us when it finally is.
4 we don't !ollow these rules, we can't colter! the first S50 of the questioned amount,
even if your statement was correct.
SPECIAL RULE FOR CREDIT CARD PURCHASES - If you have ti prc,Giem with
the quality of property or services that you purchased with a credit card. anc you
have tried in good faith to correct the problem with fife merchant, you may have the
right not to pay the remaining amount due on the property or, services. Thrmro arc live
limitatinns on this right: (a) You must have made the purchase In your home state or, ,
it not within your home state, within 100 miles of your current maf6ng address: and j
(b) The purchase price must have been more than $50.
These imitations do riot apply If we own or operate the merchant, or if we mailed
you the adrertisoment for the property or services.
Line only try written application to us, which must be approved by our credit committee
or loan officer. By giving you written notice we may reduce your Credit Line from time i
to time, or with good cause, revoke your card and terminate this Agreement. Good
cause includes your failure to comply with this Agreement or any other agreement with
us, or our adverse reevaluation of your creditworthiness. You may also terminate this j
Agroernent at any time, but termination by ether of us ones not atfec! your obligation
to pay the account balance. `
5. CREDIT INFORMATION - You authorize us to imrest.ga!e your credit standing
whon opening, renewing or reviewing your account, and you authorize us to d!s our ';
information, regarding your account to credit bureaus and other creditors who Inquire
of us about your credit standing
6. MONTHLY PAYMENT - We will mail you a stater-lent every month slowing your
Previous Balances of purchases and cash advances, the current transactions on your
I account, the romaining credit avitilab'a under your Credit Line, the New Balances of ,
purchases and cash advances, the 'iota Nov: Bak rice trio Finance Charge dills to te,
and any other billed fves, and trio irlinlmirn Paymont rogurred. Every month you mu.-, pay
i! leas: the M tnrm!!m Pa ymen! within 25 Jar; s of yoi'ir statornenr Clos,ng date. By separate
agreemert you may aaVIOCZe us Ct irge t'1,` n'rlnluro pa;meni a',to r !tr oy to your
s'1:ue or c`•cr :r1,J aceo„n: -.vih us Yn may of mutate. pay •rort•',eluertl•y. pay .u;re
n rho M7 h trn;. Payment. or p: th_ lolai New Balance ,rn^c you :ill rdL'cr the
h.r.amC., ch,.r,JB b iio.n•i so. If your rrion!hly pay:wunl t: z;: •?r,:U itte total crojit tine balance
Owed, we „ di ;n.,t:, naS'nl!y past the cra 71' Y, your .i1 s ,an. ,.
'he ri r:,n::rr1 pizv,nr n! wr Ia; . ,1f voir i-,•,,I rmt.+ n;,litncne.
`2xt '..cn .i._I r r (6, ,.." •"1J .n chin .c r ., :er In ad, n ,;t a^y t rte your TC:aI
t.e,% ?.._la^::e rx - •Y •our n,! Line. rJU m(,?t rn n'9p;, a',- `! e:.+rr:bs up.- r c.:r
dar'rr7. Wwit r ;n'a'ils In !oi.n.: r^ :n;,r er ',rat I, e „ IAte
t'Ieti i:J\ 1. ":.eS p ).C Gilwr jc , „ I tt> ,t.-'io'JS ,Juror lie
&trr,0.. k,' h. „I,ri.r.! 4,.? IEC•r •'f .-!n _7. r. ?._ , ynccs hcn to
P; c.,r ht ;'3>h : ,.lr,:C- t?, _ ,,.c.?. ?^ J ,: .1 •.. ,- ,r., ; Lrr. . Lahr ,^c...
- M-111
Visa' Credit Card slgreenient Jed Huth In L onding.Drse Fc•Dure (conrimied)
7. FINANCE CHARGES
Purchases, cl 4rt ;r y :rdt.' (r, ,.
(.y rr.•:: ';R•Ir:1 p r.-.i.:.'r ..r.:•..•.:.I _.. .. r ANNUAL PERCENTAGE
RATE l _ .. _, on t _ ,
Cash Advances. :le :.artr_ ',1„ fir v CC ,:ash .)a;
n:: 'pl r, . !'.k_ aver'sn,l? ,,:1 : I :r , .
;t:P:4n(,t ,.,fn',1 '•(' b;,':n; .,,,.._ vy !:tics c:o .;ly ?r?•act ad": i_.,, ?.?.
esponctinq ANNUAL PERCENTAGE RATE :
Balance Computation hlothod
Avg:317,_ rt3?}• S343nre for Pu,ha.:e.s - The .Averaacle gaily Balan(•o 1e.r Purchase
Ttarsa'.ton'-. e; Ca'CuiatE.-d by dl:ati ,f•e Daily Bal.:,cer, 1" 1
0'a'_, d`r ; e cL. ng yclo, a.:J ,;,ei rwld n; by the nttr: b_r of ays 'In the t` Ircg
cycle. 'o t.,r „tote t1e Daly Ba'an' e t r purchases each day. we tale the foli,--wir3
>teps:WE, ta•:3 ihf_ v:.U.at oing „a,ra .Cc (:,It amounts you owel -,t the start of in, dal".
Then,. in ?ho sequence !n which aniourits are posted to your account, we add The
a rlounts of all deol is and subtract The amounts of all Cred:r ' G( pilyn)unts t:hlch pst
to your account that day After a paY'^g payments and creoit,. wo subtract the
amount Uf any unpaid Finance Charges or Lave Charges Then we also subtract fine
amount of any Cash Advance transactions that posted to your account on that day or
in any previous day in the bitting e;cle. This gives us the Daily Balance for purcila5es.
Average Dairy Balance for Cash A:Aances • Cash Advance 1 ansactions which are
posted to your account are not Included in the Average Daily Balaire calculation for
purchases. and are therefore not subject to the monthly periodic rile for purchases, The
Average Dally Eafaance Is Calculated separately for Cash Advances and is subject it) the
Cash A_ivance Monthly Periodic Rate The Average Daily Balance for Cash Transactions
is cakwialed by adding the Daily Balances (Gash Transaction) for each day in the billing
cycle, and then dividing by the number of days in the billing cycle, To caiculafe the Dairy
Balance fur cash each day, we fake the following steps: We take ifie outstanding balance
(all amounts rd owe) at the start of the day. Then, in the sequence in which amounts
are posted to your account, we add the aria ants of at; debits and subtract d,e amounts
of all credits or payments which post to your acxount that day. After applying payments
and credits, we subtract Me amount of any unpaid Finance Charles or Late Charges.
Then we also subtract Use amount of any Purchase Transactions trial posted to your
account on that day or in any previous day in the billing cycle, This gives us the Daily
Balance for Cash Advance Transactions. Note: Cash Advances are always subject to
finance charges and from the day they are posted to your account.
Payments are applied in the following manner: first to previous late fees, then to
previous cash advances finance charges, then to previous purchase finance
charges, then to current late fees, then !o previous cash advance balances, lien to
previous purchase balances in the order that they were posted to your account, then
to current cash advance balances, and ther• to current purchase balances. Credits
are applied first to the particular type of debt which is being credited, it any, and then
to the balance of your account.
Note also that if the total of the payments and credits which are posted to your
account by the Payment Due Date shorn on a statement is equal to or exceeds the
New. Balance shown on that statement, we wdi not apply the Monthly Periodic Rate
to your Account on your next statement,
8, DEFAULT- You will be m default if you fail to make any t-Aimmum Payment within
25 days ahoy your monthly statement r_;osing date. You authorize us to transfer funds j
sufficient to make the minimum payment due if your Visa loan is in default. You will I
also be in datautt 11 your soil,'y tU repay us is materially raduce 1 by a change in your
e'rployrYOnL an In^rease in your o7llgati ns, :rankruatcy or IrsoE',ren;;} prof eiders
invo vmg you, your death or your failure to aide by this Agio rnont c r r4 trip value of
our security Interest malaria.,} Jec;nes We have the right to :en,aid immediate
Ncymont of your tun account bala^.Ce If YOU ceteUlt,. sublet^t ro our giving you arty
nonce required oy law. To the extent permuted ov law, you will also be ro Tulreo to pay
our culioLlion expenses. inclu.7 ig _f:,rl :os`s and reasonab t grey tees I
9. USING THE CARD - ' male a purchase. Ur cast, a;r,anca. t ic.re are twrJ
alternative procedures to be `odor:c.d One Ig for you to cresen, the card to a
paracipattrig `dl<,a p%n rneicr':art, or anotnuf lmanc!al in; rte?: n, and sin trip- salas
of Gash ao',ance draft h;ch W e I.^lprl ed wi?h yoUI Laid ,e U hoi is t(, GUrnplu!.'' !
rise ;rarsacllc+T by .tiny you F? c.Gna1 !denr;bca!1:7n N.,rrb.i 0 f;; m Coniur.ci,on
is:th the sire n• an Auto^,etc. T_Iler Mac"dne or W)cr h.pe o' el'.c iron c termna
i th,,i i
fU'.das a to to '.sl ?? e.m L yr (_ ha! you . II n lrs U:R card f?l' a. y
tra r act'n t IC. I' J rid or I,,nIl col fed r ri st of o d -.uw•. he rnonth!v
s.u.cmcnf ,r,. Id-rti4y t._ Mcrcr, ,, ._c,ror .c t_rrr•._na: ul frlar._ial ,,.tu:.n, at
'r1'r?lch tr3 SnGlIUlis 1'N!IC mane cash ac'- Ce. Glad'! I( C'flor Slips carrot
.
10. OVIERDRAFf OFTIO"T - I
,,r. .'11t ., i,•";r:` :'P..
11111';! TQ it
a
.. .'I .. .. ..-I._. ,vor.: , i 1t: .v .. , ,v,,. _ y''...r P5F_?.lj •. 1 (. "e"...
(:'.:I
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11. RETURNS AND ADJUSTMENTS -f';.i stir'., . 7n.i.
`air -;I n f _ ..... ., it r „r .1 .:I•: .r
12. FOREIGN TRANSACTIONS •- Th1. r .::nQe r : <•I t'ie tc I51K. tM
worra,: ri< n._,
s= It c_._J Ly Visa L:;ri tf u r :tts ,f r r . ; r(v,aslu._ _ '., arien-,y ••!u'F .•c the
,p,.:at?le cef°nrr<:I prc,c _s:nl :f,c blot. rr.. Trial .ery Trot. ,n,. Tab, 5a .>.
,orvas, or a r:'e h 1.Mr-t for the aF 'Icahx c"ruat pro actin
dale in eact% xi ;nay t>o 1,,;os:,ed h t, ad oil ir'e IS A to, I npl'so i
by Visa. Tr's fee wh.'•n 01 t era, 'r^-.on ;anlnu:',t, vrll. be aSsoS_oe rr al:
a:insactions where trim mertllavi"xx try .0ists 'rorn :he country Uf It- card 'ssuer.
j 13. SPECIAL RULES FOR VISA PURCHASES - 1' you ,7isagee of fini an error
I r,tra Visa lransaclio^, and have ti p f m d rairr %'- Cosect the F r blem with the
merchant or the CharCles :Grf' the result 01 undithuna?d Dr Irajdulent use. or your
purchase cat nror-. ! n `,0 :end ays made from a plan rr:erchant in yL:ur stale
within ILIU miles of yo:a hoe e, _cniaci PSECu.
14. DISPUTED TRANSACTIONS - You are lequred to notify PSECU in v:nt',ng
j within 60 days following the dale on which we seta your statement wherein the arror
I or problem first appeared Iegarding any ds i panty or unauthorized transaction on
I your account. Telephoning PSECU does not preserve vour dispute rights. Yogi may
f be requirad to provibe us with Clocumentahon to support your dispute cli,,lms. In
addition, you may be required to complete a standard dispute form outlining the ;t
details of your dispute. In cases of fraudulent card use, PSECU wilt also require a j
notarized alfidavit. In some cases we may ask you to notify the local authorities
11 we do not receive the proper requested documentation in the tune specified you j
may be held responsible tot the h'arsactior?{sl in question. PSECU must adhere to
strict dispute timefrarries set forth by Visa. {
15. SECURITY INTEREST - To secure your account you grant us a purchase
money security interest under the Uniform Commercial Code in any goods you
purchase through the account. 11 you default, we will nave the right to recover any of t
these goads which we have not been paid for through our application of your {
payments in the manner descrbed in the Monthly Payment section, With respect to
this account only, we will not assert any statutory right we may have if you are in
default to prevent withdrawal of your unpledged credit union shares (Deposits)
below the unpaid balance of your account. However, it you give or have given us a
specific pledge of your credit union shares (Deposits) by signing the Pledge of
$flares or otherwise. or any other security interests for all your debts, your account
will be secured by your pledged shares (Deposits) and by the property descritwd in i
those other security agreements, except for your home
18. EFFECT OF AGREEMENT - This Agreement is the contract which applies to i
all transactions on your account oven though the sales, cash adeanCe, credit 'y
other slips you sign or receiver may contain different forms. We may amend the
Agreemont from time to lime by sanding you the. advance vfltten notice required ny ,
law. Your use of the card thereafter will indicate your agreement to the amonornents j
To the extent the law permits, and we indicate in our notice, amendments will apply
to your existing a^courd balance as well z:s to future lransactionS
17. LATE PAYMENT CHARGE - if your Minimorn Payn'r•nt i, nor roceived by the
first day of the rrionth follow,inrl your d,;e date, you mill be subject to a S20 charger
18. RUSH FEES - r'ou r.1ay incur additional charges for rush processing and rush
delivery of card; andlot PIN n,a'i r.
19. OVER LIN11T FEE -A 5201 e val be applied for earn monthly statement nosing date F
on wrlic', the ou11711riding balance excecids the assigned credo limit by more than c 1170.
20. DRAFT COPIES - You may incur ar, add,t;onal charge f(:r trans :troy
yurllTi:r'y'Sa a craft dJCJ%',efl:ai ctrl,
21. COPY RECEIVED - You actin„sledge receip! of a ropy of aGS Agrerrrent
22. ILLEGAL TRANSACTIONS PROHIBITED - ,,u & :ree friar "u will not use
your card for any transactlsr them Is I'•'gal undo! appncable-faderal. +:•e, or local law
23. NO USE - liar.! .e Visa uc .,u'r t ;at ha: n;: ,urcraso or ua. activity may
be cicsed w the :,t nrfir.e. t4 y-ni 18 nwmth<. of r'.o actlvty
24. NEURAL NETWORK - PSF:r t us us r ew d npri xfr sv"Iems to pied' t and
rreve'it unauf'cnzeo lrirsaziars. I rate may be c-_;asior,, , r1efl is lr,a' Sal.. r; , Ili
c,rc had ?.ecal. a Is rn;7 :;tvi+ :,' ..,_ srhle fn::.fuk, ..,c ., rr.
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SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy 2010 JAN 14 P'll", 2' 21
Edward L Schorpp ij J y
Solicitor
FE,
Pennsylvania State Employees Credit Union
vs.
Justin D. Capstick
Case Number
2010-242
SHERIFF'S RETURN OF SERVICE
01/12/2010 08:24 PM - Noah Cline, Deputy Sheriff, who being duly sworn according to law, states that on January 12,
2010 at 2024 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Justin D. Capstick, by making known unto Daniel Capstick, Father of defendant at 1112
Floribunda Lane, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same
time handing to him personally the said true and correct copy of the same.
SHERIFF COST: $37.00
January 14, 2010
SO SW
V NNY R ANDERSON, SHERIFF
By Deputy Sheriff
2010-242
1~^ ~uFrlkEll~~r~'~rw~~~YA1~V
r.Jr `f~C f ti~~Rf"R,~'~ilJit'SZi
ZOiO MAC ~ k~ 11 ~ 3b
BARLEY SNYDER LLC ~~f'~l`'`~'~~ v'~~`"~'~~
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602 Attorneys for Plaintiff
(717) 299-5201 Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
JUSTIN D. CAPSTICK,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION -LAW
No. 2010-242
PRAECIPE TO WITHDRAW/ENTER APPEARANCE
Kindly withdraw the appearance of Melissa L. Van Eck, Esquire as counsel for
Pennsylvania State Employees Credit Union and enter the appearance of Shawn M. Long,
Esquire as counsel for Pennsylvania State Employees Credit Union, regarding the above-
captioned matter.
Papers may be served at the address set forth below.
BARLEY SNYDER LLC
By:
~r)'iawi~M. Long, Esqu'
Court I.D. 83774
126 East King Stre
Lancaster, PA 17 2-2893
717.299.5201
Date: ~
VAN ECK & VAN ECK, P.C.
By:
Melissa L. Van Eck, Esquire
Court I.D. 85869
7810 Allentown Blvd., Suite B
P.O. Box 6662
Harrisburg, PA 17112
717.540.5406
Date:
2852451-1
~~ ,
2010-242
~~~ ~~-t~~~. f~~
~QIOM~Y 13 Q#~ ~. ~ 9
CtJ~ri~~_;;.-;;~v
~E~r~l~'+1 ~Yt ~~A;~~la
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
JUSTIN D. CAPSTICK,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
No. 2010-242
PRAECIPE FOR JUDGMENT
Enter Judgment in favor of Plaintiff, Pennsylvania State Employees Credit Union and
against Defendant, Justin D. Capstick for want of an answer in the amount of $17,133.30 plus
costs of suit.
(X) I certify that the foregoing assessment of damages is for specified amounts alleged to
be due in the complaint and is calculable as a sum certain from the complaint.
() Pursuant to Pa. R.C.P. 237 (notice of praecipe for final judgment or decree), I certify
that a copy of this praecipe has been mailed to each other party who has appeared in the action or
to his/her Attorney of Record.
~I~l.oo ~b A71`t/
c~c~ ~~qsa
~~ ayrgs9
2900291-1 ~ 1~.R.
2010-242
(X) Pursuant to Pa. R.C.P. 237.1, I certify that written notice of the intention to file this
praecipe was mailed or delivered to the party against whom judgment is to be entered and to
his/her Attorney of Record, if any, after the default occurred and at least ten days prior to the
date of the filing of this praecipe and a copy of the notice is attached.
BARLEY SNYDER LLC
Date: ~ ~l /
By:
awn M. Long, Es ire
Court LD. No. 837 4
Attorneys for Plai tiff
Pennsylvania State Employees Credit Union
126 East King Street
Lancaster, PA 17602
(717) 299-5201
NOW, ICI .13 , 2010, JUDGMENT IS ENTERED AS ABOVE.
Prothonotary/Clerk, Civil Division
P ~~~
-~„m
2900291-I
2010-242
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
JUSTIN D. CAPSTICK,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
No. 2010-242
To: Justin D. Capstick
Date of Notice: March 23, 2010
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.
2852454.1
2010-242
YOU SHOULD TAKE THIS PAPER TO A LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER, GO TO OR TELEPHONE THE FOLLOWING 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.
Cumberland County Lawyer Referral Service
32 S. Bedford Street
Carlisle, PA 17013
Telephone: (800) 990-9108
BARLEY SNYDER LLC
By:
haven M. Long, Es ' e
Court I.D. No. 837 4
Attorneys for P mtiff,
Pennsylvania State Employees Credit Union
126 E. King Street
Lancaster, PA 17603
717.299.5201
2852454.1
2010-242
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
PENNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
JUSTIN D. CAPSTICK,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
No. 2010-242
PROOF OF SERVICE
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF LANCASTER
ss.
Colleen Brelje, Paralegal, being sworn according to law, deposes and says that she served
a true and correct copy of the 10-day Default Notice upon Justin D. Capstick, 1112 Floribunda
Lane, Mechanicsburg, PA 17055 by regular mail on March 23, 2010 at 5:00 p.m.
BARLEY SNYDER L
By: G
Colleen Brelje, Paralegal
Sworn o and subscr' d efore me 50 North Fifth Street
this , 2010 P.O. Box 942
~ Reading, PA 19603-0942
(610) 376-6651
of ry Public
COMMONWEALIIi OF' i'ENiii5'YLV'%~dti;
Notarial Seal
Amy L ShiNc, Notary Publie
City of Lancaster, Lancaster County
MY Commission Expires Oct. 26, 2013
Member, Pennsylvania Association of Notaries
2852454.1
2010-242
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY
OFFICE OF THE PROTHONOTARY
CARLISLE, PA
TO: Justin D. Capstick
Defendant
YOU ARE HEREBY NOTIFIED that Pennsylvania State Employees Credit Union has
caused a judgment by default to be entered against you with the Prothonotary of Cumberland
County. The judgment was entered on ~ /~ , to No. 2010-242 with the
Court of Common Pleas of Cumberland County -Civil Division. The judgment is in the amount
of $17,133.30 plus costs of suit.
PROTHONOTARY
17Prnity (~'~Prlr
2900291-1
2010-242
BARLEY SNYDER LLC
Shawn M. Long, Esquire
Court I.D. No. 83774
126 East King Street
Lancaster, PA 17602
(717) 299-5201
Attorneys for Plaintiff
Pennsylvania State Employees Credit Union
rr;NNSYLVANIA STATE EMPLOYEES
CREDIT UNION,
Plaintiff
v.
JUSTIN D. CAPSTICK,
Defendant
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION -LAW
No. 2010-242
AFFIDAVIT THAT THE DEFENDANT IS NOT IN THE
MILITARY SERVICE, PURSUANT TO "SOLDIERS
AND SAILORS" CIVIL RELIEF ACT OF 1918 RE-ENACTED 1940
LANCASTER COUNTY, SS: Before me, the undersigned authority, personally
appeared Shawn M. Long Esquire, who being duly sworn according to law, doth depose and say
that Justin D. Ca stick, the Defendant is not in the Military or Naval Service, based on the
following facts: Age of Defendant is unknown; Present place of employment is unknown; Last
known place of Residence is 1112 Floribunda Lane Mechanicsburg PA 17055 as of the date of
this affidavit.
ADDITIONAL FACTS, if any.
BARLEY SNYDER LLC
Date:
Sworn and subscribed to before me
this day of
Notary Public
2010. Union
drt Umon Place
Lancaster, PA 17602-2893
(717) 299-5201
SI awn M. Long, E uire
. Court I.D. No. 83 74
Attorneys for Pl intiff
Pennsylvania ate Employees Credit
One Cre
2900291-1