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HomeMy WebLinkAbout12-18-13 (2) NOTICE OF CLAIM (Filed Pursuant to 20 Pa.C.S. § 3532) COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION ESTATE OF JOSEPH C BOWEN DECEASED No. 21-13-0819 To the Clerk of the Orphans' Court Division: Enter the claim of Alaska USA Federal Credit Union in the (Claimant) amount of S 1,144.45 against the above entitled Estate. The Decedent, who resided at 7 Circle Drive, Carlisle, PA 17015-8894 (Street Address) died on July 8, 2013 Written notice of (Date a(Death) said claim was given to James D Hughes (Personal Representative or his/her counsel) at 354 Alexander Spring Rd, Suite 1, Carlisle, PA 17015 (Address) on 10/23/2013 (Date) � � }}�� Ch P.O. Box 196613 �gifa( Gg l-f- (Street Address) 11�(�r) Anchorage, AK 99519-6613 Vl (City,State,Zip) r--: cY � (Claimam's Counsel (Supreme Court I.D.No) C> w -�� rn O (Address) rn S n u� 1 3i- U � C.) J c -TI C-> C) _1 e (Telephone) nj n r r- rn o -i o r- o Form OC-07 rev. 10.13.06 t JOSEPH C.BOWEN 7 CIRCLE OR CARLISLE,PA 17015-8894 SSN:**"--"-3544 (717)249-3362(H) DOB: 1946 (717)903-0700(W) jbowen@pa.net # Portfolio ► Balance DPD Amt.lincl payments Pay Amt. status 1 Svng Share Savings N $0.00 0 $0.00 0 $0.00 Open 2 Svng Relationship Checking N $0.00 0 $0.00 0 $0.00 Closed 3 Loan Credit Line N $0.00 0 $0,00 142 $0.00 Charged Off 4 Loan Credit Line L $1,144.45 0 $0,00 0 $0.00 Open Generate Payoff Quote StatusRequest processed successfully. 1. No additional messages. Payoff Quote Detail Account Interest Detail Principal $1,144.45 Interest Adjustment-$5.5... Amortization Method Simple Interest Payoff Interest $0.00 Good Through 07/08/2013 Last Accrued Date 10/09/2013 Interest Rebate $0.00 Effective Date 07/08/2013 Original Periods N/A Unpaid Expenses $D.00 Days Adjusted -94 Remaining Periods N/A Unpaid Fees $0.00 Interest Receivable $5.50 Unearned Insurance$0.00 Perdiem $0.423290 Total Payoff $1,144.45 Calculation Method Actual/365 Accrual Rate 13.5% Expenses No results found. Fees No results found. Insurance No results found. Insurance Receivables No results found. ©2004-2013 Shaw Systems Associates,Inc.All rights reserved. ALASKA USA F E GREIlii IINit�l� ANCHORAGE,ALASKA 98602 CREDIT LINE LOAN AGREEMENT,PROMISSORY NOTE,AND INITIAL DISCLOSURE STATEMENT MEMBER'S NAME AND ADDRESS ACCOUNT NUMBER JOSEPH C. BOWEN 3795 L 11 2560 BANBURY DRIVE ORIGINAL DATE ANCHORAGE, AK 99504 MARCH 6, 1987 MAXIMUM OUTSTANDING BALANCE - SCHEDULED REPAYMENTS ARE DUE PAYMENT SCHEDULE:FIVE PERCENT(.OS or PRINCIPAL AMOUNT — CREDIT LIMIT MONTHLY WHEN A LOAN BALANCE IS 5.7.)OF THE OUTSTANDING LOAN BALANCE OUTSTANDING AS OF THE MONTHLY MOON H ON MINIMUM HEPRESCRIBED DUE DATE, DATE OF THE -. t 4,500.00 15TH DAY OF MONTH ANNUAL PERCENTAGE RAT IY _ 13, DEFINITIONS In this agreement,the words i,me,mine and my mean each of those who sign this agreement.The words you,your,and yours mean Alaska USA Federal Credit Union.The word advance means a loan of money under this agreement. REPAYMENT I promise to pay you at your address ai ums advanced from time to time under this agreement plus aargs at the periodic rate of. %RR%per h is a corresponding Annual Percentage Ra t*Wy 1r (W."C380822%j0 13.90% FINANCE The application of a finance charge beg s at such time as a.loan balance is outstanding.No free time period exists In CHARGE which to pay the balance without Incurring a finance charge.The amount of the finance charge is computed bymultiplying dally the unpaid balance by the daily periodic rate and adding these amounts together.The unpaid balance to the amount of the loan balance outstanding at the close of each business day after all payments and advances for the day have been posted 10 the account.The finance Charge Is computed on any unpaid principal balance for the period such balance Is oulalanding. MINIMUM The minimum payment amount due each month Is 6%of the outstanding principal loan balance on the statement date, PERIODIC plus any amount in excess of thecredil limit stated above.(Ei mple:$1,219.00 loan balance times.05 equals$60.95 monthly PAYMENT payment amount.) I agree to pay a minimum monthly payment of 51/o of the principal balance outstanding,with no payment leas than 510,00. The payments are first applied to any late charges due',then to the finance charge due,and the remainder to tM unpaid 'y? c principal balance. 1 may make payment In advance In any amount,but a minimum payment is required on the due date each month. LATE CHARGE If my payment Is late 7 days or mote,1 understand I will be charged the greater of 20%of the interest due or 5 cents, to A maximum of$25.00. It my loan Is delinquent 2 payments or more,there Is no maximum amount. LIEN ON t agree that all funds 1 have on deposit with you at any lime will be security for my indebtedness,except those In an IRA SNARES Keogh or Ali-Savers account I authorize you to apply,wlthoUt further notice to me,any or all such funds toward payments due,Interest,lets charges and expenses In the event of my default. DEFAULT 1 will be in default If: }, 1 I d0 not pay any payment on time,or 2. Any other person or organization Was by legal process to take any money of mine In your possession,or 3. 1 break any promise under this agreement or any other loan agreement between us,or M. At any time you consider yourself Insecure about the performance of any of my obligations under this agreement. v COLLECTION If I am in default under this agreement,you can demand full payment of the unpaid balance.if 1 am In default and you COSTS begin collection efforts,I must pay your reasonable attorney fees and any other costa of collection. r TERMINATION You may terminate this agreement at any time by giving me written notice.I understand that termination will not tells" me of my obligation to repay sums already advanced under this agreement. ACCESS i apron that IMS loan and which may bee advances may be mode by check,ban drag,voucher,ands drill overdraft protect Bon or other who sign,welch may bedtime advance 1 understand which Is a teal I Will a liable Individually,as Ieafl es heilof not I r with others who sign,for radvance. of any advance which Is made under the terms of Ih4 aprpmsnl,wMihp of not 1 ;g rogwaled or received the advance. ' �x ^' t acknowledge lha I have race a Copy of Mla loan agreement and Initial dladlosura Statement and that I have fully road and undaretood all tarme era lone Det alggl It. ?' x ..._�_....� �._.. x T ER JOINT APPU ANTM.:MSER,O .�..a GUARANTO�� ...;y'"• REVERSE SIDE FOR IMPORTANT INFORMATION REGARDING YOUR RIGHTS TO DISPUTE BILLING(STATEMENTI "� f ,r IN CASE YSF:ERRORS 911 INQUIRIES AQP2 T YOUR'CREDWI'INE 60,1 AIENT OF ACCOUNT The Federal Truth r % 811ding Act requires prompt correction of errors on your Credit Line statement, i, If`you want to preserve your rights under the Act, here is what to.do if.you think your statement of apioupt rf _ is wrong pr I( ypn.eeed more information about an item on your statement: s a. Do not Writtii pn ttie;etaternBnt of account, On a separate sheet of paper write(you may telephone youi qui[y but'deifTq$6 will not;.preaerve your rights,under this law) the following: 1.- Your nertt anti account number, 2 A decd rofton of the error and an explanation(to the extent you can explain)why you believe it is an '2 ertdi' If ypu only need more information,explain the item you are not sure about and, if you wish ask. .. tor;evidenoe of the charge to your account.Do not send In your copy of any document unless yov gave a d6plia2;`e copy for your records. Y 3. The ddg8lr amount of the suspected error. ., 4. Or ginei Information(such as your address)which you think will help the Credit Union to identity you - ;Or the irk' Wirt for your complaint or Inquiry. Al 1f g.0ki are in Alaska or the Continental U.S., send your statement error notice to ALASKA USA FEDERAL e (IR.Ety1T UNION,777 JUNEAU STREET,POUCH 6613,ANCHORAGE ALASKA 89502.11 you are in the Philip• pines;send'y4ur notice to ALASKA USA FEDERAL CREDIT UNION, CLARK AIR BASE, APO SAN FRAM- CISCO;CALIFORNIA,96274,Mail it as soon as you can,but in any case,early enough to leach the credit -- - 'union within 60 days after the bill was mailed to you. 2. The reedit union must acknowledge all letters pointing out possible errors within 30 days of recoipl, unless ttt@ oreM.t unldn is able to correct your statement during that 30 days.Within 90 days after receiving your IsP tef,the credit union must either correct the error or explain why the credit union believes the statement was correcl;Once the credit union has°xplamed the statement,the credit union has no further obligation to you even though you still believe that !here is an error, except as provided in paragraph 5 below. 3r After the Credit Union has been notified,neither the Credit Union nor an attorney nor a collection agency MR sehdyou colleotlon letters or take other collection action with respect to the amount in dispute;but periods* , statemeriMmay be sent to you,and the disputed amount can be applied against your credit limit.You cannot be threirtened.wlthdamage to your credit rating or sued for the amount in question,nor can the disputed amount be reported to a credit bureau or to other creditors as delinquent until the Credit Union has answered your inquiry. HoWever,you remain obligated to pay the parts of your outstanding balance not In dispute. A. If It is.determined that the Credit Union has made a mistake on gout statement, you will not have to pays" finance charges on any disputed amount. If it turns out that the Credit Union has not made an error,you nary have to pay finance charges on the amount in dispute, and you will have to make up any missed minimum or required_payments on the disputed amount. Unless you have agreed that your statement was correct,tba Crec!W061oh rnustsend you a written notification of what you owe;and If it to determined that the CreditUnifi t. did.make'1 mistake In biling the disputed amount, you must be given the time to pay which you normally- are given to pap undisputed amounts before anymore finance charges or late payment charges on the dlaputgd ' -, amount cars be charged to you. S. if the Credit.tlnion explanaton does not satisfy you and you notify the Credit Union in writing within 10 days , after you irecel.ve the explanation that you still refuse to pay the disputed amount,the Credit Union may report .• you to credit bureaus and other creditors and may pursue regular collection procedures. But the Credit Union must also report that you think you do not owe the money,and the Credit Union must let you know to whom such reports were made.Once the matter has been settled between you and the Credit Union.the Credit Union must notify those to whom the Credit Union reported you as delinquent of The subsequent resolution. 6. If the Credit Union does not foflow these rules,the Credit Union is not allowed to collect the first$50 of the disputed and finance charges, even if the statement turns out to be correct. ALASKA USA FEDERAL CREDIT UNION Pouch 6613 Anchorage, Alaska 99502 1: T