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HomeMy WebLinkAbout10-3038t- _? ntnu; - Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 MEMBERS I ST FEDERAL CREDIT UNION PLAINTIFF Vs. MARK D. ISENBERG DEFENDANT IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 10 -303$ 04-V I ITerm CIVIL ACTION -LAW NOTICE TO DEFEND AND CLAIM RIGHTS THIS LAW OFFICE IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served by entering a written appearance personally or by attorney and filing in writing 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 claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. *g 61. Do PC, Alf-t cv.'t Aso e# ay 17,T f 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 BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)249-3166 OR (800)990-9108 NOTICIA Le han demandado a usted en la Corte. Si usted guiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la notification. Usted debe presentar una apariencia escrita o en persona o por abogado y archivar en la corte en forma escrita sus defensas o sus objectiones a las demandas en contra suya. Se ha avisado que si usted no se defiende, la Corte tomara medidas y puede entrar una orden contra usted sin previo aviso o notification y por cualquier queja o alivio que es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO O OTROS DERECHOS IMPORTANTES PARA USTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI USTED NO TIENE O CONOCES UN ABOGADO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SU PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)249-3166 OR (800)990-9108 , Vi P W N ? 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A °-?- IF IR 'S :5 R'§ ffl -In N ' ?s?e? ?c"C70p?S I fae t '?_?? o all .? n O Ste, ca°f? goo n if ?s?i dv do?Q=c .? °`o?g?g -aH c a u ?'1-???? n ??? 250_ o, < 49 2S ° S '?+ Y5??3 3 H I lag a a ??$ _ XS H 3.- till y i 2 -Fox 1s A s°E =fR £C ?°_ ?'? mg.. ? o 'A a s a - ig F2 s N o? a _yNO 3 a ?y a_. p S?i 3_.? m? gg 'c _ an ? ° `g cy 1g ?_ ?? - a KARL M. LEDEBOHM ATTORNEY-AT LAW P.O. BOX 173 New Cumberland, PA 17070-0173 Phone: 717-938-6929 Fax: 717-932-0317 Of Counsel: Richard P. Mislitsky, Esq.* March 23, 2010 (Via Certified and regular mail) Mark D. Isenberg 752 Petersburg Road Carlisle, PA 17015 RE: Members I" Visa Account No.: 4121-4499-9197-0901 Dear Mr. Isenberg: THIS CORRESPONDENCE IS FROM A DEBT COLLECTOR. THIS LETTER AND ANY SUBSEQUENT CORRESPONDENCE FROM THIS OFFICE IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. AN IMPORTANT STATEMENT OF RIGHTS IS INCLUDED ON THE REVERSE OF THE SECOND PAGE OF THIS LETTER. Members 1St Federal Credit Union ("Members 1St") has requested my office to collect the amounts due to Member's 1St under the above account. As you know, you are in default of your obligations under the above Members 1St Visa Account (the "Account") due to your failure to make the payments required under the Account in a timely manner. The last payment on the Account was received by Members 1" on or about January 9, 2006 in the amount of $436.47. As a result of your defaults, Members 1" hereby accelerates all amounts due to Members 1St under the Account and hereby demands the payment of all amounts due to Members 1St under the Account in the amount of $12,954.07 itemized as follows: 1. Principal $11,954.05 2. Unpaid Finance Charge 592.02 3. Unpaid other fees 240.00 4. Legal Fees 168.00 5. Total due to Member 1St as of 3/23/10 $12,954.07 If you fail to deliver to my office at the address set forth above payment of the $12,954.07 within thirty (30) days of the date of this letter, Members 1St will have no choice but to file a legal action against you to collect all of the amounts due under the *Also practices independently as Richard Exhibit IT" Account without further notice. In such event, in addition to the above amounts, you may also be responsible for the payment of additional reasonable legal fees and costs of suit incurred by Members ls`. Nothing herein shall constitute or be construed as an agreement on behalf of Members 1St to accept any terms and conditions in exchange for payment of the amounts due under the Account except for the immediate payment of all amounts due to Members 1 S` . Nothing herein shall constitute a waiver of any rights or remedies which Members 1 S` may have under any written agreement or at law or in equity to collect the balance of the indebtedness due under the Account without further notice, including, without limitation, the right to accept and apply any partial payments made on the Account without waiver of any demand for payment in full of all amounts due under the Account. Nothing herein shall constitute an agreement on behalf of Members 1 St to postpone or extend the maturity date of the obligation. Members 1St looks forward to the payment of the $12,954.07 on or before April 22, 2010. Very tru y?urs, /Karl McLe ebohm `?- ?-- i' CC: David Thomas, Collections Officer KML:11 NOTICE This letter is an attempt to collect a debt. ? N co L C- N iF-- z 3 0 bi 0 O 0 O O -D W m O ru 0" It you dispute the validity of this debt, or any portion thereof, and you notify the undersigned debt collector in writing within thirty (30) days of the receipt of this notice that you dispute the debt or any portion thereof, the undersigned debt collector will obtain verification of the debt or a copy of a judgment against you, if any, and mail to you a copy of such judgment or verification. If you do not dispute the validity of the debt or any portion thereof within thirty (30) days of the receipt of this notice, the undersigned debt collector will assume the debt to be valid. If the original creditor of this debt is different from the creditor stated on the front page of this letter, the undersigned debt collector will provide you with the name and address of the original creditor upon written request from you within thirty (30) days of your receipt of this notice. The "undersigned debt collector" means the name signed at the end of this letter appearing in print at the top of this letter. 01 V" c? 0m3CL .ro s SL g 56 L F. Q) ' 3 ?1k? v3 ? P a, ?? F) Ix ?, U S . . Postal Serv?re CE R TIFIE D MAIL REC EIP T (Dom estic Mail Only, No lns urance C overage Prov id d e ) For d elivery inform ation visit ou r website. -i t - - -, c3 U. ¦ i 1 a M Postage $ O COMW Fee L7 Return Receipt Fee (Endorsement ??d) Postmark Here 0 Restricted (Endorsement ?I?j Q' Total Postage 6 Fees rl .. o Sent o ....... ^- ..... . Street • ? "--- -- - --1??h? L ? El , . or PO Box No. . ?z ay,sra h+4 ----------- p, R A4 ........ ??or '..' ........................................................................................................................................................... ..................... MEMBERS I sr FEDI?RA.L : IN THE COURT OF COMMON PLEAS CREDIT UNION CUMBERLAND COUNTY, PENNSYLVANIA PLAINT LFF Vs. NO.: MARK D. ISENBERG DEFENDANT : CIVIL ACTION-LAW VEREFICATION I, David Thomas, Lead Collector for Members Is` Federal Credit Union, being authorized to do so on behalf of Members 1 a Federal Credit Union, hereby verify that th statements made in the foregoing pleading are true and correct to the best of my information knowledge and belief. I understand that false statements are made subject to the penalties of 19 pa. C.S.A. Section 4904, relating to unsworn falsification to authorities. Members 0 Federal Credit Union 0.4- David Thomas, Lead Collector 5 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff ~~~-~~ ~ = ~~~ ~~~,~t~x of ~turiGr~~~~~t~ {~~ ~F~C ~ '~' r' ~~~-~j?~Y Jody S Smith Chief Deputy 2ti10 ~~1Y t S A~ 9~ 3$ Edward L Schorpp -" ~.t~~ s~vi~T~f Solicitor ~ ~ ~" ~ Cl~~~~ „ n, r~i ,~c>s'~~t~~:~~~+. ~t~., t. Members 1st FCU Case Number vs. 2010-3038 Mark D Isenberg SHERIFF'S RETURN OF SERVICE 05/14/2010 06:01 PM -Gerald Worthington, Deputy Sheriff, who being duly sworn according to law, states that on May 14, 2010 at 1758 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Mark D. Isenberg, by making known unto himself personally, at 752 Petersburg Road, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to hirr personally the said true and correct copy of the same. GERALD WORTHINGT ,DEPUTY SHERIFF COST: $33.84 May 17, 2010 SO ANSWERS, RON ~R ANDERSON, SHERIFF ci Crwi'ySuite S~2r~ff. Te',eosu`t. Ire. ,R • (~ x~~~' , ~~ 10t0,l~y 2 ~ AM g ~~ ', ~..~~ Kazl M. l:.edebohm, Esquire P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 MEMBERS 1sT FEDERAL CREDIT UNION IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PLAINTIFF Vs. MARK D. ISENBERG DEFENDANT NO. 10-3038 Civil Term CIVIL ACTION -LAW NOTICE TO DEFEND AND CLAIM RIGHTS THIS LAW OFFICE IS A DEBT COLLECTOR AND WE ARE ATTEMPTING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE OF COLLECTING THE DEBT. YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice aze 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 aze 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 fiuther notice for any money claimed in the Complaint or for any other claims or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULp 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 PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)249-3166 OR (800)990-9108 NOTICIA Le han demandado a usted en la Corte. Si usted guiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demands y la notification. Usted debe presentar una apariencia escrita o en persona o por abogado y archivar en la Corte en forma escrita sus defensas o sus objectiones a las demandas en contra suya. Se ha avisado que si usted no se defiende, la Corte tomara medidas y puede entrar una order contra usted sin previo aviso o notification y por cualquier queja o alivio que es pedido en la peticion de demands. LISTED PUEDE PERDER DINERO O OTROS DERECHOS IlVIPORTANTES PARA LISTED. LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI LISTED NO TIENE O CONOCES UN ABOGADO, VAYA EN PERSONA O LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION SE ENCUENTRA ESCRITA ABAJO PARR AVERIGUAR DONDE SU PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)249-3166 OR (800)990-9108 Karl M. Ledebohm, Esq. P.O. Box 173 New Cumberland, PA 17070-0173 (717) 938-6929 MEMBERS 1 FEDERAL CREDIT UNION PLAINTIFF Vs. MARK D. ISENBERG DEFENDANT IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.: 10-3038- Civil Term CIVIL ACTION-LAW AMENDED COMPLAINT AND NOW, comes Members 1 ~` Federal Credit Union, the Plaintiff in the above captioned matter, by and through its attorney, Karl M. Ledebohm and makes the following Amended Complaint: 1. Plaintiff, Members 1st Federal Credit Union ("Members 1 st~), is a National Federal Credit Union having a principal address of 5000 Lauise Drive, Mechanicsburg, PA 17055. 1 2. Defendant, Mazk D. Isenberg, ("Defendant") is an adult individual having a last known address of 752 Petersburg Road, Cazlisle, PA 17015. 3. On or about September 21, 2000, Defendant submitted to Members 1~` a credit cazd application (the "Application") for a Visa credit cazd issued by Plaintiff. A copy of the Application which has been redacted to remove personal information of Defendant such as social security number, monthly income, Defendant's mother's name and address and phone numbers is attached hereto as Exhibit "A" and made part hereof. 4. Plaintiff accepted the Application and sent to Defendant a Visa Credit Cazd, account #****-****-****-0901 (the "Visa Account") and the corresponding Visa Credit Card Agreement and Disclosure Statement. 5. Since the inception of the Visa Account, the Visa Account has been governed by the Credit Cazd Agreement and Disclosure Statement (the "Credit Cazd Agreement and Disclosure"), a copy of which is attached hereto as Exhibit "B" and made part hereof. 6. Pursuant to the terms and conditions of the Credit Card Agreement and Disclosure, Defendant agreed to pay to Plaintiff monthly installments in an amount of not less than two percent (2.0%) of the outstanding balance on the account or $20.00, whichever is greater. 7. Commencing on or about September 26, 2000, and continuing through July 17, 2005, Defendant made charges against the Visa Account and is in default of Defendant's obligations under the Credit Card Agreement and Disclosure and the corresponding Visa Account as a result of Defendant's failure to make 2 the payments due to Plaintiff as set forth in the Credit Card Agreement and 8. 9. 10. Disclosure, the last payment having been received by Members 1St on or about Januazy 9, 2006. Monthly statements regazding the Visa Account detailing the chazges, fees and payments made in connection with the Visa Account span approximately ten (10) years, aze voluminous, contain potentially private information concerning Defendant and, despite ongoing efforts on the pazt of Plaintiff to retrieve the records, are not available to Plaintiff for attachment to this Amended Complaint as an exhibit to allow the timely filing of this Amended Complaint with the Court. For the above reasons, said statements are not attached to this complaint but will be made available to Defendant upon request. By letter dated Mazch 23, 2010, addressed to Defendant, Plaintiff demanded the payment of all amounts due under the Credit Cazd Agreement and Disclosure and the corresponding Visa Account. A copy of Plaintiff's Demand is attached hereto as Exhibit "C" and made part hereof. Defendant is indebted to Plaintiff in the amount of FOURTEEN THOUSAND NINE HUNDRED FORTY-SIX AND 96/100 ($14,946.96) DOLLARS itemized as follows: a. Principal $11,954.05 b. Unpaid Finance Charge 592.02 c. Unpaid other fees 240.00 d. Legal Fees 2,160.89* e. Total due to Member 1St $14,946.96 3 *Legal fees for collection are estimated in accordance with the terms and conditions set forth in the Credit Cazd Agreement and Disclosure. Defendant will be responsible for payment of actual, reasonable legal fees incurred by Members 1St in this matter which may be more or less than the amount stated depending upon the date of payment and legal fees actually incurred by Members 1St 10. Defendant also agreed under the terms and conditions of the Credit Cazd Agreement and Disclosure that in the event of default there under Defendant would pay, in addition to the amounts set forth in paragraph 9 above, additional reasonable legal fees, if any, and costs incurred by Plaintiff as a result of the institution and prosecution of these legal proceedings. 11. Legal fees and costs continue to accrue on the above obligation as set forth in the Credit Cazd Agreement and Disclosure through the date of payment. 12. As set forth above, Plaintiff has made demand upon Defendant to make payment of all amounts due to Plaintiffunder the Visa Account and corresponding Credit Card Agreement and Disclosure and, as of the date hereof, Defendant has failed and refused to make payment of all such amounts due to Plaintiff. WHEREFORE, Plaintiff, Members 1St Federal Credit Union, demands judgment against Defendant, MARK D. ISENBERG, in the amount of FOURTEEN THOUSAND NINE HUNDRED FORTY-SIX AND 96/100 ($14,946.96)DOLLARS together with additional attorney's fees and costs of suit and interest at the legal rate on and after the 4 entry of judgment on this complaint which does not exceed the jurisdictional amount requiring arbitration referral by local rule. Date: j 6" ~~v Respectfully submitted, J p~~-- earl M> Ledebohm, Esq. Supreme Court ID # :59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 Attorney for Plaintiff 5 VISA CREDIT CARD APPLICATION _ ~- I H I . I_~~ I :t~iv DO NOT WRITE ABOVE THIS LINE Process # NEW APPLICATION AME CHANGE (ONLY) APPLICATION FOR: Rate-Shaver Gold Members 7a ACCT.N _ ~ ~ A (~~ ^ ADD JOINT APPUGAN7 ^ INCREASE LIMIT ^ PIeUnUnl ~ ~ _ APPLICANT'S FULL NAME FIRST INITIAL DATE OF BIRTH SGCIAI SEGURITI NO. LAST.~- PRESENT STREET JADDRESS /'~ ~/ ~`~/'^ APT.Y C1ITY ~/~~ ~E ~ STATE /I Zla C'7DE~ ~ H E TELEPHONE NO. NOW LONG AT ADDRESS 7 MOTHER'S MAIDEN NAME ' AGES OF DEPENDENTS US Cdizen ^ Resicent Alien ~~ ~, ` YRS . MOS. r o I o ~ ' y ~-/ ^ Non-I esident Alien PREVIOUS HOME ADDRESS (IF LESS THAN 3 YEARS AT PRESENT ADDRESS) HOW LONG AT ADDRES S VRS. MUS. UPATION PR SENT E O C C E p NT PL Y PRESE M E O DATE OF NIR E ~' GROSS MOt•'T`+' Y iNrOME ~ ~ ,( ~ / ~ /+v~1/~F '~Y/~/~C~`~. ~Ck'-~/~rli~(, 7 ) , A . y ~ / /'~ L/T+^+I G../ y)P ~-/~'I^~~ ~ 7 e ~j MO./OYR. P,70viuE .. ~.~„eNt•aar Sru55 EMPLOYER'S ADDRESS STREET N ` ,~~ ~~ CITY G{( ~r,r1SCA' /1 / Z~O ~!' ft SP ,/.// BUS~~PHONE NO. .. • PREVIOUS EMPLOYER, OR SCHOOL ATTENDED (IF LESS THAN 5 YEARS) ` CUPATION PREVIOUS EMPLOYER'S OR SCHOOL ADDRESS ~ HOW _ONG AA `,,~.. 1 ~A ?sn~ Y'V'• ~ ~~j~I~'~ VRS. MOS. INCOME FROM ALIMONY, CHILD SUPPORT OR SEPARATE MAINTENANCE SOURCE OF OTHER INCOME AMOUNT PAYMENTS NEED NOT BE REVEALED IF YOU 00 NOT CHOOSE TO HAVE IT CONSIDERED AS A BASIS FOR REPAYING THIS OBLIGATION. NAME OF NEAREST RELATIVE NOT LIVING WITH YOU ,.~ ADDRESS CITY _ , STATE • ~ RELATIONSkile }~ ~~ D `h , PHONF~ ~ ~ ~ ARE YOU APPLYING FOR J IF THIS IS AN APPLICATION FOR A JOINT ACCOUNT OR FOR f1fV INDIVIDUAL ACCOUNT THAT You ArvU ANU I rytn rtrc~ulN IntliNdual Account B~ WILL USE, PLEASE PROVIDE THE FOLLOWING INFORMATION ABOUT THE JOINT APPUGAN7 OR AUTHORIZED USER. Joint Account ^ Intlividual Accrounl with Authorizetl User ^ RELATIONSHIP TO APPLICANT pf Any) Members 7+~ ACCT# (II Any) APPLICANT'S FULL NAME LAST FIRST INITIAL DATE OF BIRTH SOCIAL SECUPITY NO PRESENT STREET ADDRESS APT# CITY STATE ZIP CODE HOME TELEPHONE NO. HOW LONG AT ADDRESS YR M AGES OF DEPENDENTS PREVIOVS HOME ADDRESS (IF LESS THAN 3 YEARS AT PRESENT ADDRESS) HOW LONG AT ADDRESS YRS. AtOS. PRESENT OCCUPATION PRESENT EMPLOYER DATE OF HIRE MO. YR. GROSS MONTHLY INCOME PROVIDE CURRENT PAY STUBS EMPLOYER'S ADDRESS STREET NO. CITY STATE ZIP CODE BUSINESS PHONE N0. Ezhibit "A" PREVIOUS EMPLOYER. OR SCHCOOL ATTENDED OCCUPATION PREVIOUS EMPLOYER'S OR SCHOOL ADDRESS HOW LUNG (IF LESS THAN 5 YEARSI YRS tifOS. INCOME FROM ALIMONY, CHILD SUPPORT OR SEPERATE MAINTENANCE SOURCE OF OTHER INCOME AMOUNT PAYMENTS NEED NOT 8E REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED AS A BASIS FOR REPAYING THIS OBLIGATION. NAME OF NEAREST RELATIVE NOT LIVING WRH YOU ADDRESS CITY STATE RELATIONSHIP PHONE PROVIDE THE FOLLOWING INFORMATION ABOUT APPLICANT AND JOINT APPLICANT Outstanding obligations and credit references (include charge accounts, installment contracts, credR cards, rent, mortgages, Ilablltty to pay altrnony, child support, or separate maintenance paymen+s, etc.). Give complete list of all amounts owing. INCAEASE CREDIT LIMIT TO INSURANCE INFORMATION: Credit Card Chargegard credit protection is available to protect your VISA. A package of coverages include life, disability, and involuntary unemployment protection. O I would like inbrmation on the insurance coverage. PLEDGE OF ACCOUNTS: By signing below, you pledge to the credit union and grant the credit union a security interest fn the toltowing accounts with Members 1st Federal Credit Union (Members t st) to secure your Credit Card Agreement. If you IIsI no accounts, you agree to grant to Members 1 st a securiry interest in all accounts other than those that would lose special tax treatment under state or Federal law if given as security. You authorize us to apply any or alt funds on deposit with the credit union to pay amounts Cue under this agreement should you default. Applica Ys signature Date Co-eppllcanCs signature Date By your signature below, you certify to us that all of the information in the above application is true and complete and given for the purpose of securing credit: and that you have no other debts except those listed. You agree that we may conduct such invesUgatlons of your credit and character as we deem necessary in order to act on your request for credit. You also agree to be bound by the Members 1st Visa Card Holder Agreement. ~n V J ~~ M ,. NUMBER OF CARDS DESIRED: ONE ^ TWO ^ THREE ^ FOUR CREDIT LIMIT REQUESTED l v `h ^1 rn /~w~ ^ Check here it you would like convenience checks. ^ Check here if you want a Transfer of Balance Corm mailed to you. PLEASE SIGN APPI.ICATit APPLICANTS SIGNATURE ~ /i JOINT APPLICANTS SIGNATURE (IF ANY) _ AUTHORIZED USER'S SIGNATURE (IF ANY) AUTHORIZED USERS SIGNATURE (IF ANY1 RETURNING AND PROVIDE VERIFICATION OF INCOME. G l-L,~ ~~ DATE l Your account number(s) PATE GATE OFFICE USE APP~YR` DATE ~~) 7 J j / t CREDIT LINE BRANCH OFFICE e rtl r ~1 ~ ! %111 (((~~~ W ~ ~ - v ~ ~ U~ Comments i Condibo^s Reason Rejedad INSURANCE OS MMGH CPNU EC DO CH IC AH II Mortgage Holtler or Landlord O Own Mdngage Payment 'Rent ~ V ~` ~~ 0oard Include Lot Rent Mortgage Balance Estimated Value of Real Estate Name of Creditor Address Name In which Aaount is carried w Account No. Monthly Payments Balance Due t ~S ~' ~~ ~ G ~C.. J~CA`1 `~ y p U O I~ U O s. 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S ° i`f6 . ~ ~ ~ ~ v' ° ~. 3 ~~ ~ ~ ~ .z ~ s ~°~ ~ ~~ s ~ ~~ s3 ~~ ~ ~3~~~ ~ 3~R ~ a co ..w v N n O N C -, Exhibit "B" ~_. ~_ D g'~o ~gg~~~~~~ ~3'd g a~°~.~ '°v ~~ ~ a~g __, 3~ - ~3t~g~s='' $ ~ ~s a~ ~^ ~~ S ~ ~~ ~~ ~ ~~ ~ ~~g ~~~g~.g~ '-~e y~~~~~~ ~.s_~ m~~~~~~ 'Q~ "~=~,~=~3 ~ ~. s~~ ~~~~. _~ ~go ~~'~ ~g~g a =~ -~~~ 'off a~~ $~R gD C~ •~a g ~ _~ C~~ s~f m ~~ y~ ~~ m F~ ~a €.~ ~~ ~~ ~ ~~ z ~o ~ ~ ~ O H ~ ~ g ,~ m ~~ ~ ~ ~ ~~ ~~~ y~~~ ~ ~ ~ Sa ~ ~ ~ ~ ~ ~. ~ ~ ~ ~ d . . . ~ iy 8 .o ao s a '~~ ~~H~~ ~a~~ ~, ~~R~~°~ 3~~~~ ~~o y ~,_. a 4! i ~e~_ ~~ a~~ ~ ~; C ?~~ R S O i~ X14 ~ ~~~~ ~ ~ ~~ ~~5+ ~ ~~~ 5~~ ~~Q~~~ _ ~~ c _y ~ ~o ~~ BaiS~ N ~ K- ~C N~= ~~~~ ~ ~.~ ~ C n~ ~ T ~~ ~~~ ~a~~ ~ ~. m ~~ ~~ o ~ ~ ~~~ ~~= ,~ ~ ~~ o ~ sy~~ ~' y ~ ~. rs~ c ~~ ~_< m ~~~ ~.~ ~ ~ ~ ~~~ ~~ ~=. c ~_~ ~ y ,~ .~ ~ z°'~~ ~ ~o ~~s ~ m ~ 2 ~~ ~~ i 0 g ~ ~ ~ ~~~ T~$ R a ~~ ~ ~~.~ .ffi~i ~" ~ ~~ ~s ~ Ty ~ ~~~ ~_- ~' -Zi ~O ~ °z ~~ ~ a y ~~8 ~ ~`~. ti ~ ~,~ ~ a G ~ ~, 0 ~~ ~~ s n ~.~ ~~ ~ ~ ~ ~ -~,~ ~~ ~ ~; ~" ~ ~ ~~ g ~ ~ a ~ ~=~ ~ ~ ~'~ ~. $ ~ ~ ~~ ~g ~~ ~~ ~ A fC T .~ n: S ~: ~q S ~5 E s :~ g ~~ Q ~ ~ ~' ~~ i .`~ ~~ R a =< 0 ~_, ~ o• N ~ 41 N r r y wQ ~; r oc~ma C ~ ~f9~ 'S wg w~w Nis C~^_~ s gc 33 w n?o ~3 } IG .~ gt cS~ ~~ ~ ~13 ~ 3e~ ~~~~~~ ~"~ °~ ~~~~~~~~~~ 4 fix= ~~=Q~R~~.~~g ~~~~.o-~ ~~ ~_ '9 ~ a sr LF SC of~i ~ais ~3 ~"~ ~c~g.~28g ~~A~p s~.~~tX O 6 n n ~' ~QO ~~ ~~ ~~~~ ~~ .~ ~ ~ ~~ T ~ ~ a e ~ ~ a o~ as ~~ ~_ ~~ ~~~.~ ~~ ~ ~m ~~~a~. ~~ ~QQ~~~~~ ~: ~~~w3. ~~ge~ag~.3= ~ 3s~ .~~Q~~ ~ ~~.~~~~=mod. _ a a $ ~ ~~~ ~ ~ ~~ss~ mss' F ~ Q d ~ ~~~ ~ ~- ~ ~ o ~ 2 ~~ ~~ ~ ~. ~ ~~ $F~~ 3.g~5 3 ~ 3 02.'~0~ e~ ~~g~ ~ ~ ~+~ ~~ g~~~, ~ C Y ~° ~a~~ ~ ~ ~' ~o~~ a~~~ ~ ~ ~ ~ ~ =~ ~ :a g ~ ~ ~- ~a ~ ~ ~~-~ ~ == ~ ~ ~ ~~~ . _ ~ ~ ~ ~ ~~ ~~ ~~~~o ~. KARL M. LEDEBOHM ATTORNEY-AT LAW P.O. BOX 173 New Cumberland, PA 17070-0173 Phone: 717-938-6929 Fax: 717-932-0317 Of Counsel: Richard P. Mislitsky, Esq.* March 23, 2010 (Via Certified and regular mail) Mark D. Isenberg 752 Petersburg Road Carlisle, PA 1701 S RE: Members ls` Visa Account No.: 4121-4499-9197-0901 Dear Mr. Isenberg: THIS CORRESPONDENCE IS FROM A DEBT COLLECTOR. THIS LETTER AND ANY SUBSEQUENT C©RRESPONDENCE FROM THIS OFFICE IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. AN IMPORTANT STATEMENT OF RIGHTS IS INCLUDED ON THE REVERSE OF THE SECOND PAGE OF THIS LETTER. Members 1 S` Federal Credit Union ("Members 1 S`") has requested my office to collect the amounts due to Member's ls` under the above account. As you know, you are in default of your obligations under the above Members 1 S` Visa Account (the "Account") due to your failure to make the payments required under the Account in a timely manner. The last payment on the Account was received by Members 1 S` on or about January 9, 2006 in the amount of $436.47. As a result of your defaults, Members 1 S` hereby accelerates all amounts due to Members 1 S` under the Account and hereby demands the payment of all amounts due to Members 1 S` under the Account in the amount of $12,954.07 itemized as follows: 1. Principal $11,9S4.OS 2. Unpaid Finance Charge 592.02 3. Unpaid other fees 240.00 4. Legal Fees 168.00 S. Total due to Member ls` as of 3/23/10 $12,954.07 If you fail to deliver to my office at the address set forth above payment of the $12,954.07 within thirty (30) days of the date of this letter, Members 1 S` will have no choice but to file a legal action against you to collect all of the amounts due under the *Also practices independently as Richar~ghibit "C" Account without further notice. In such event, in addition to the above amounts, you may also be responsible for the payment of additional reasonable legal fees and costs of suit incurred by Members 15f. Nothing herein shall constitute or be construed as an agreement on behalf of Members 1 S` to accept any terms and conditions in exchange for payment of the amounts due under the Account except for the immediate payment of all amounts due to Members 1 S` . Nothing herein shall constitute a waiver of any rights or remedies which Members 1 S` may have under any written agreement or at law or in equity to collect the balance of the indebtedness due under the Account without further notice, including, without limitation, the right to accept and apply any partial payments made on the Account without waiver of any demand for payment in full of all amounts due under the Account. Nothing herein shall constitute an agreement on behalf of Members 1 S` to postpone or extend the maturity date of the obligation. Members ls` looks forward to the payment of the $.,12,954.07 on or before April 22, 2010. Very t y~urs, ~- ~. ~~ ,~.~ .. -'Karl M ~Le ebohm ' `~ ' ' ~_~-' CC: David Thomas, Collections Officer KML:I1 NOTICE This letter is an attempt to collect a debt. ~ iv o ~ w zl ~~~ ~. 8N r- A i 0 0 0 9 O i' [~ 0 9 0 .~ w O t [~ 0-' It you dispute the validity of this debt, or any portion thereof, and you notify the undersigned debt collector in writing within thirty (30) days of the receipt of this notice that you dispute the debt or any portion thereof, the undersigned debt collector will obtain verification of the debt or a copy of a judgment against you, if any, and mail to you a copy of such judgment or verification. If you do not dispute the validity of the debt or any portion thereof within thirty (30) days of the receipt of this notice, the undersigned debt collector will assume the debt to be valid. If the original creditor of this debt is different from the cxeditor stated on the front page of this letter, the undersigned debt collector will provide you with the name and address of the original creditor upon written request from you within thirty (30) days of your receipt of this notice. The "undersigned debt collector" means the name signed at the end of this letter appearing in print at the top of this letter. ~,~~ ~, r ~ ~ ~ ~ ~Sr -y.> ~ 4 ~ ~~ ~~ ~ ~~~ ~~(] O b3 ~~ ~~ ~' -~ ^ ^ ^, g ~~ ~~~ ~~~~ ~~~". ~~~a N m ~~ ~"~~~~ ~~ ~~ O ~ ~ ~ ~ ~, ~ ~ g .~ 1~ ~~ ~ ~~~ aa~ ~ : a .~ • ~ o ~- m Postage $ Certffled Fee O ~ RemmReaiptFee Postmark O (Endorsement Requirodj Here ~ Restricted pegvery Fee ' ~ (Endorsement Required) tr ~' Totai Postage b Fees _ r~ ~ ent o ~,_ S ~~ p ~ treet, 0.; or Pt7 Box No. ~,Z + cry, sr~ , zi~ -o s~ Aa. ~~ir HERS 1s~ kEDERAL EV TIDE COURT OF COMMON PLEAS T UNXON CUMBERLAND COUNTX, PENNSX~,vANIA PLg1NTIFF Vs. X10.: 10-30~8~ Civil Term D. IS~ER.G DEFENDANT :CIVIL ACTIpN~LA.W VERi[F~C.A,'~OIV I, Dsvid Thomas, Lead Collector for Members 1'~ Federal Credit U~ai~on, being ~oz~zed. to do so on beba;fof Members l" Federal C~tedit U~uiot~, hereby verify that fhe ements made in the foregoing Pleading are ta~ue and correct to the best of my rztmation lrnowiedge and belief I understand that false statements are made subject to Penalties of l8 Pa. C.S.A. Section, 494)4, relating to unswora falsification to Members l~ Federal Credit Union David Thomas, Lead Collector 5 Karl M. I.edebohm, Esquire P.O. Box 173 New Cumberland, PA 17070 (71738-6929 MEMBERS 1 FEDERAL CREDIT UNION PLAINTIFF Vs. MARK D. ISENBERG DEFENDANT IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 10-3038 Civil Term CIVIL ACTION -LAW CERTIFICATE OF SERVICE I, Karl M. Ledebohm, Esquire, hereby certify that on the 21st day of June, 2010, I served a true and correct copy of the foregoing Notice to Defend and Claim Rights and Amended Complaint upon the following individuals by first class mail, postage prepaid, addressed as follows: Michael J. Pykosh, Esquire 2132 Market Street Camp Hill, PA 17011 (Attorney for Mark D. Isenberg) Respec ubmitted, Date: June 21, 2410 1 . Ledebohm, Esq. Attorney for Plaintiff Supreme Court lD #: 59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 ~~. ,.r_ T=_'~ ~~ _ ~ ,,~~_r Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070 (71738-6929 MEMBERS 1 FEDERAL CREDIT UNION PLAINTIFF v. MARK D. ISENBERG DEFENDANT TO THE PROTHONOTARY: ,~,, LGI~ F1'~ J J i.+ ~' i.(~. gvtT ~ I~N'~. ~ t :~- ,-n,, F IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.: 10-3038 Civil Term CIVIL ACTION-LAW PRAECIPE Please enter judgment in the above captioned proceeding in favor of Members 1~` Federal Credit Union, Plaintiff, and against the Defendant, Mark D. Isenberg, in the amount of FOURTEEN THOUSAND NINE HUNDRED FORTY-SIX AND 96/i00 DOLLARS ($14,946.96) plus interest at the legal rate on and after entry of judgment until the date of payment, additional attorney's fees and costs of suit. Judgment is entered pursuant to Pa. R.C.P. 3031 for failure to file an Answer on behalf of Defendant, Mark D. Isenberg, to Plaintiff's Complaint within twenty (20) days of service thereof and after a 10-day Notice was sent. ~ I'~. oo P p ^ ~'i e~ ~t~o 1Jo~ke.e ~~( Date: August 3, 2010 1114[. Ledebohm, Esquire urreme Court ID #59012 P.O. Box 173 I hereby certify that notice of intent to take default judgment was forwarded to Mark D. Isenberg by United States Mail, first class, postage prepaid on July 20, 2010. The aforesaid notice was contained within an envelope bearing the return address of the undersigned. The notice has not been returned to the undersigned as undeliverable or otherwise. A copy of the notice and Postal Form 3817 are attached hereto and mazked Exhibit "A". New Cumberland, PA 17070-0173 (717)938-6929 Attorney for Plaintiff Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 MEMBERS 1 FEDERAL CREDIT UNION PLAINTIFF v. MARK D. ISENBERG DEFENDANT Date: July 20, 2010 TO: Mark D. Isenberg 752 Petersburg Road Carlisle, PA 17015 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.: 10-3038 Civil Term CIVIL ACTION-LAW IMPORTANT NOTICE Michael Pykosh, Esquire Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011. PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, I AM REQUIRED TO INFORM YOU THAT THIS OFFICE IS A DEBT COLLECTOR AND THIS LETTER AND ANY SUBSEQUENT CORRESPONDENCE OR COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 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 DAYS Ezhibit "A" 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 PERSONS AT A REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717)249-3166 OR (800)990-9108 Date: July 20, 2010 submitted, 1 earl 1VI. Ledebohm, Esq. Supreme Court ID #59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717) 938-6929 Attorney for Plaintiff U.S. POSTAL SERVICE CERTIFICATE OF MAILIN MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL. DOES " ."~; a c QROVIOE FOR INSURANCE-POSTMASTER µ' ' ~ ' a ,,.~s ~ , ' . ~ o Received From: ~ /f - o ~:; -„ ~ ~ V _ Karl M. Ledebohm, Esq. °~~ ) ..~ , ~ ;:~- w N P.O. Box 173 ~' ,~ ~, .. ;• ~~ New Cumberland, PA 17070-017 ?''£''.1 Z m ~ One piece or ordinary mail adtlressed lo. c ~ C N Michael Pykosh, Esquire . ~~ o~ ~~D Dethlefs-Pykosh Law Group, LLC O ~.--~ Z. J~00 ~QO~~N _ 2132 Market Street ~~ ~ m _ Camp Hill, PA 17011 D ~ PS Form 38't r , January tuu i u s POSTAL SERVICE CERTIFICATE OF MAILING MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOT ''~f ~ c i PROVIDE FOR INSURANCE-POSTMASTER ,, .,; Received From: ` ~'' i -Karl M. Ledebohm, Esq. a •~~r~ - P.O. Box 173 ~ ~ v„. ~.~'. . ~> ~ {^ j New Cumberland, PA 17070-0173 ~ ~~' One piece of ordinary matl addressetl to. ~ C~ DIO" C to -. Mark D. Isenberg - ~-"' ~aom~~ 752 Petersburg Road - ~'"'' ~-~~°° d~ p O O Carlisle, PA 17015 - m . a PS Form 3L . ~,,,, ,,,, , fir" ~ it . ~ ~~ Karl M. Ledebohm, Esquire P.O. Box 173 New Cumberland, PA 17070 (717)938-6929 MEMBERS 1sT FEDERAL CREDIT UNION PLAINTIFF v. MARIC D. ISENBERG DEFENDANT IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO.: 10-3038 Civil Term CIVIL ACTION-LAW NOTICE OF JUDGMENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, I AM REQUIRED TO INFORM YOU THAT THIS LETTER AND ANY SUBSEQUENT CORRESPONDENCE OR COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE TO: Mazk D. Isenberg 752 Petersburg Road Cazlisle, PA 17015 Michael Pykosh, Esquire Dethlefs-Pykosh Law Group, LLC 2132 Mazket Street Camp Hill, PA 17011 You are hereby notified that on ~~/~~ , 2010 the following judgment has been entered against you in the a e captioned case: Judgment in favor of Members 1St Federal Credit Union, Plaintiff, and against the Defendant, Mark D. Isenberg, in the amount of FOURTEEN THOUSAND NINE HUNDRED FORTY-SIX AND 96/100 DOLLARS ($14,946.96) plus interest at the legal rate on and after entry of judgment until the date of payment, additional attorney's fees and costs of suit. Judgment is entered pursuant to Pa. R.C.P. 3031 for failure to file an Answer on behalf of Defendant, Mark D. Isenberg, to Plaintii~s Complaint within twenty (20) days of service thereof and after a 10-day Notice was sent. Dated: is: I hereby certify that the proper person to receive this notice under Pa. R.C.P. 236 Mark D. Isenberg Michael Pykosh, Esquire 752 Petersburg Road Dethlefs-Pykosh Law Group, LLC Carlisle, PA 17015 2132 Market Street Camp Hill, PA 17011 A: Mark D. Isenberg and Michael Pykosh, Esq. Por este medio se le esta notificando que el de 2010 eUla siguiente (Orden), (Decreto), (Faro), ha sido anotado en contra suya en el caso mencionado en el epigrafe. Fecha: Protonotario Certifico que la siguiente direccion as la del defendido/a segue indicada en el certificado de residencia: Mark D. Isenberg Michael Pykosh Es wire 752 Petersburg Road Carlisle, PA 17015 Date: August 3, 2010 q Dethlefs-Pykosh Law Group, LLC 2132 Market Street Camp Hill, PA 17011 ~, ~ M. 'Ledebohm, Esqui~ eme Court ID #59012 P.O. Box 173 New Cumberland, PA 17070-0173 (717)938-6929 Attorney for Plaintiff