HomeMy WebLinkAbout05-1119
YOU HAVE BEEN SUED IN COURT. If you wish to defend against
the claims set forth in the following pages, you must take action
within twenty (20) days after this Complaint and Notice are
served, by entering a written appearance personally or by attorney
and filing in writing with the Court your defenses or objections
to the claims set forth against you. You are warned that if you
fail to do so the case may proceed without you and a judgment may
be entered against you by the Court without further notice for any
money claimed in the Complaint or for any other claim 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.
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.
Legal Services, Inc.
8 Irvine Row
Carlisle, Pennsylvania 17013
(717) 243-9400
NOT I C I A
Le han demandado a usted en la corte. Si usted quiere
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 notificacion. Usted debe
presentar una apariencia escrita 0 en persona 0 por abogado y
archivar en la corte en forma escrita sus defensas 0 sus
objeciones alas demandas en contra de su persona. Sea
avisado que si usted no se defiende, la corte tomara medidas y
puede entrar una orden contra usted sin previo aviso 0
notificacion y por cualquier quej a 0 ali via que es pedido en la
peticion de demanda. Usted puede perder dinero 0 sus propiedades
o otros derechos importantes para usted.
LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE
ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO,
VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUYA DIRECCION
SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DON DE SE PUEDE CONSEGUIR
ASISTENCIA LEGAL.
Legal Services, Inc.
S Irvine Row
Carlisle, Pennsylvania 17013
(717) 243-9400
BELCO COMMUNITY CREDIT UNION
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff
NO.: OS- -/II?
CI"u~C7~-
ANGELA L. HARNER
CIVIL ACTION - LAW
Defendant
COMPLAINT
1. Plaintiff is Belco Federal Credit Union, hereinafter referred
to as "BELCO", a Pennsylvania Corporation with an office at
403 N. 2nd Street, Harrisburg, Dauphin County , Pennsylvania
17108.
2. Angela L. Harner, a Defendant, is an adult individual with an
address at 12 Black pine Drive, Mechanicsburg, Cumberland
County, Pennsylvania 17050.
3. Defendant applied for a Signature loan from Plaintiff
pursuant to the Application dated September 2003 which is
available but not attached because it contains social
security numbers and other personal information.
4. Defendant's delinquent balance on the account is $12,906.73.
5. Because of Defendant's failure to make monthly payments and
in accordance with the standard Security Agreement, a copy
which is attached hereto, marked Exhibit "A" and made part
hereof, Defendant owes an attorney commission of $1936.01 for
a total of $14,842.74.
6. Defendant made a payment of $322.46, leaving a balance of
$14,520.28.
7. Defendant has failed and refused to bring her account
current.
8. Defendant is not a member of the Armed Forces of the United
States of America, nor engaged in any way which would bring
her within the Soldiers and Sailors Relief Act of 1940, as
amended.
WHEREFORE, Plaintiff requests entry of judgment against Defendants
in the amount of $14,520.28 together with costs of suit thereon.
Respectfully, Submitted,
Date:
7-\~/
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Arthur M. Feld, Esquire
Attorney I.D. No. 07172
1309 Bridge Street
New Cumberland, FA 17070
(717) 770-0292
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In this agreement all relerences to "credit ul~ic'-:" Ill'~al'; ,thi: crr:'dit ilr!\Oll \Nhose
name appears on this agreement and anyone in V,dllliT1 1:1[; ,~,GJlt union aSSigns
the LOANlINER(I'1 Credit A.greBrnent Ail referencES to "the ;;d""2.1ce' mean the
amount in the box labeled "Nevi Balance" All references ti)' ~Je'tj" mean each
person who signs this agmement.
THE SECURITY FOR THE LOAN - By signing tllis security ;;greenl-9f'J! In the
Signature area or under the statement relerring to this agreelT'.ent which is on
the back of 1he check you receive tor the advancl~, yDU give; the credit union
what is knOW'l1a5 a security mterest in the propert'j described in the-Security
Offered" section, The security interest you give inclw1es all acsessions
Accessions are things which are attached to or inst?Jed in the -property flQW
or in the future. The security interest also i:'iCfllljl:~' ,liiY replCicemcnts for Hw
property whish you buywi'thi'11:Jdays oftl1r ad'/c'\i!Ci:(ir anyex:.r:i1sio!1s, renev.'als
or refinancing of tile advanc8 it aiso includes 03UY money Y(JU receive imrTI
selling the property cr from insurance yelU h,!vc rrl :11(: p'upl:r't'/ It the value
of the property _declJnes, ';/(Ju promise to give ih(, Ci'ejlt Lniiel, ,Dore prcperty
as security if asked to do so
WHAT THE SECURITY INTEREST COVERS ~ Tilt; security mterest S8cures the
advance and any 8,xlensions rel1e\'./al::; or n-;fin:r';(x!i~(: ot tr~2 advance, it disc,
secures any other advances you Ilave nov,} or Il>:'3ivl-' iii the t~Hure ulldec the
lOANLlNER'"' Credit Agreement and all\,r UlTE~: (llllounl:: Y'Ju IJwe the credit union
for any reason now or in the futuce, it the is mdrK8D 'j,'ith
two stars (u), 0: the prupcr1y is IWlJseholr) IJY tile CreeJ!l
Practice Rule, tile propenyv/m secure only H1e di\',j:'i~(; ailQ liui other amounts
you awe"
OWNERSHIP OF THE PROPERTY - You prorni:;e 1 :,~t you ()vvn tile property,
or if this advance is to bU'i the property, you pi'Oifli:jr: you will use the advance
for lili:lt purpose. You promise tllal no olie e!;,p Ilcl:; any interf3st,1l or ciaim
against the property tl1d1 you havr. not already toid the credit union aiJou!. YOII
promise [lot to sell or lease the property Ot- to use It as security for J ivan witt!
another c'reditor until the advance is repaid. You promise you 'wil) :'!!Jow no security
interest or lien to attach to thr. propcr!:! either h/ )/Our aC\iom, or by operation
of law
PROTECTING THE SECURITY INTEREST - H your state issues a titie iOl' the
property, you promise to have the credit union's security interest shown on
the title. The credit union may have to tile 'Nhiit i~, cdiled a lillancinq st<ltell1ent
10 protect its security interest from 1h!: Clrmll~; 01 ntl:f;rs if ;lsked to do so,
you promise to si\j!1 0. financing stilterncrll You 31:-;1) iJlOlrW;f:: !n rin 'lint/levu
else the W~dlllJniOf1 ttJlI1KS I~; necess;IIY fu ),nJCect Its :-i8CU(itii Interest 111 ill!;'
properlY.
USE OF PROPERTY - U;~lii lne adva:-,cr' !i(l~, i,r:!;!' p;liri uro:nisc VI);,'
Will, I'i,\ Use the property cdreiully ;,110 ;1 H: QOCiii OiH;-;m wrHt81i
pern ii~,SiUIl from ti18 cmdit;]riiOn be-lOll"' ):;:j)O; Hie prop-erty
(3) inform the credit union in \lvritil)Q iJetU(F:': ~,i~,J:i~;il1g yuur JUlirL:jS or tlw addr?ss
where the properiy IS kept: (4)AlloVv' thp. (;rpdi: urlion 10 IllsjJer:ithe'pr&JI:tr-r:ty
is) Promptly notify the creUit uniOil it lI:t:; tJiOpi;n'y' IS daniJQl;U, stlillJil QLab,gS,BQ;
(6) Not USI~ the property' (nr ;\:Iy' unl(l\^:lul purpose
v. ".
PROPERTY INSURANCE, TAXES ANO FEES - You ,;[00",0 to P<l~ all ",xes
and lees (iike registration fees'! due on the properly and to keep the:pr6pertv
Insured against loss and damage. Theamount<l!1d coverage of the property
insurance must be 3t:ceptllbie to 111e credit union, You mJY provide tile property
inSLJI'alKe through a policl you already hi-Jvl~. !)) lillu!Jqll ,J roilcy you (Jet li;l(~
pay lor. You pwmiso!O make the inS\JIllilCC po!il:Y p<lj'alllt: tu the credit uiliorl
FORTENNE-S-SEE-C-REoITUNIONSONLY =-.
USE WHEN AUTOMOBILE IS PURCHASED
~ _-..r-~m>~~,;",'~_
NOTICE: If you do not purchase the insul-ance reqUired on the automobile
and the credituniDI1 purchasr~~; tile ins.urance, the insurance,piJ[Gnased
by the credit uni{JI1 Will C(lvl:r on!v the lIedl! umon's interest in 'the property
The insurance will not be liability insurance.
You have read tMe above statement and acknowledge that the credit union
has explained it to you
SIGNATUf"'lE --
X
SIGNATURE
X
DO NOT WRITE BELOW - FOR CREDIT UNION USE ONLY
$
-------~"--6!\i1:"---.
_~_~,,____.___"_____,m___ DATE--
DATE
APPROVED $
liMITS SJGNATunE
l.INE OF CREDIT
CLOAN OFFICER ADVANCE APPFJO'-JLD L=YES [-iNO
J CREDIT GOMNHHEE OR OTHER OUTSIDE JN~ORMA110N CGr,SIDERED.
REFERREO.TOfREASON(S) FOR REFERRAL.
tv. h; b;{ A
DESCRIBE,GOUNTER OFFER.
SPECIFIC REASONIS) FOR REJECTION.
SIGNATURES:
I_~ LCM~ CF'=-:ct'''<
x
gCFiEDiT COMM1TTE~___.~.___
. ~
ond to deliver the policy or prool 01 coveraFe to t;"18 ucclt union if2skr:d to do sc;
If you cancer yoyri~suranG~ and get a refynd, the credit union has a rigllt to
the I-efund. If the prop~rty 1s los1 or damaged, tile credit union can use tile
insurance set!Jement to repair the property or apply it to'Nards 'N113t you OVie
You autJlorize the credit union to indorse any draft or check whiCh may be payab':e
to you in order for the credit union to collect any refund or- benefits due under
your insurance policy.
!fyou do not pay the taxes or fees on the property \'ihen due or keep it insured,
the credit union may pay these obligations, but is not required 10 do SQ, Any
money the credit union spends for taxes, fees or inSurtt:ice wi!1 be ddc:ed to
the unpaid balance of the advance and you vVliI pay ,In!Brp:,;t on those amounts
2t the same I'ate fOU agre&d to pay on the advdnce lithe credit union adds
amounts for taxes, tees, or insurance to the unpaid Daiarlte I)f yuur ddvdl1ce,
you:. paymems maybe increased by the amount fur n~c J,Clv3'lce
tD be paid eH In the same number of months opg,n(liJj
DEFAULT ~ You will be in default If you brea~ ~II1Y promise )!Oll make under
this agreement. You will also be in defaulHf you are !ll def(1uft under the
LO/\NLlNEP,'F Credit Agreement 11 you arc pledging proper::', (>jt have not signed
\l1e LOAl~IJNER'- Credit Agreernent, you wiil be ill default:i :J!l)ionc IS ,;n ,jef2ul!
'..vho has signed the LOANUNEW Credit A(;reemenJ
WHAT HAPPENS IF YOU ARE IN DEFAULT - Vlhen are in (jelaUit. the
c,'edit union can, without <ldvance notice to you immedia!e payment
01 what you owe under- the LOANLlNER'" Credit Agreement and t(-l1-;8 possession
01the property, You agree thecredH union has the right to take posseSSion
of the property without going to court and without giving you advance notice.
jJ you arf,askedtD do sc by tl18 cmdit union, you promise to delive rtheproperty
at (] time a:lti place the credit union chooses H:8 credit union will nat be
respons:ble lGr a,y/ of 'jour other property, Ilot covfJed OJ tillS agreement !hd!
Y00 leave inside \118 property, The credit union vo'ij,' ~rj' to return Hlat property
\0 you or make It. available lor you to claim
Mter thl'; credit union has possession of the property, it can sell it and appiy
the manGY received to any' amounts YOll owe the Cif?oit union, The credit union
wil! give you notice of any public sale or !he date after which a private sale
l,-vill be he)(J, The expenses of the credit union for taking posseSSion of and selling
the property will be deducted from the money received 1rom the safe Those
~costs may inc:ude the cost of storing the property preparing it for sale and
attorney's fees to t!ie extent permltteU under state iaw W 8iNarded under ~-506(b)
ot the Bankrupt':y C'Jde The l-c~st ot tl,e sal~ mOlley ','1iil be apriied to Wh3t
you owe Linder the LOANlINEW Credit AQreernent
i! yt,lI h,lve aursr:cf to pav the adv~T1ce, yOU wliI also heve to pay an)' amount
~i-:(!: r(;nlJ;r'I~; 'i;I'lJdin iilter lhe sale money has been appiied to thp. un08id balance
or tli!~ advance and lD what YO!) DW0'lmder thiS agreement. You agree to pay
In1er(;<;1 !,:'i'i Ihat amount at the same rate ;]$ tl18 i1(lvance until that amount lias
!)fJ;',nIJJid.
DRAY IN ENFDWliG R:GHTS AND CHANGES IN THE AGREEfIIENT - The
crwJilul1ion con dU;'] 8nlorcl,ng any oUts right; under this agreement any number
ot tin'BS v\:i\hnL: !using the dbility to exerCise Its rights later. The credit union
can 8nfmce thiS agreement against your heirs or legal representatives. If the
cr211ll union rh;:mges tile terms of 'the WI~.rJUNER" Ciedlt A.{Jrconwnt, you agree
that 1.i}is- agreement ',viii continue to protecl thE' credit union
CONTINUED EFFECTIVENESS - If any pari of this agreemenr is determineD
by a court tu be lIf1Ul(oru;JUle, Hie iest will tAr-nain in elJec:t
FOR NORTH DAKOTA CREDIT UNIONS ONLY - APPLIES
ONLY WHEN A MOTOR VEHICLE IS PURCHASED
~~'__"""",~"<,;,:_,~,,,,,,..:b;; ......
NonlT THE MOTOR VEHIC'E IN THIS TRANS.~CTIOI, IV!A'I BE SUB.
JECT TO IiEPOSSESSION 'I iT IS REPOSSESSED AND SOLD TO SOMEONE
ELSE. AND I'll M~OUNTS DUE TO THE SECURED PARTY ARE NOT
RECEIVED IN THAT SALE, YOU MAY HAVE TO PAY THE OIFFERENCE
THE PROPERTY DESCRIPTION ON THE REVERSE SIDE
IS PART OF THIS AGREEMENT.
NOTICE: SIGN THIS AGREEMENT ON THE REVERSE SlOE.
CHECK APPLICABLE BDX(ES)
$
$
OTHER
OiHER
DEBT R,H10
'COUNTER ()FTER V,;ILL BE ~IADE, if ACCEPTED,ADVANCE APPROVED
0YES UNO IF YES, ATTACH ADDITIONAL SHEET.JI,ND-OESCRIBE
DATE
x
DATE
04TE
y
Dl,T["
W~,~ ~,"0TUN ';~j~',)RI<,i'
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,--= ECOf\ ~JDTiCE AND CiEASCN FOR HE,,'!;, ';()h SENY Of,,! CE:,'JEHF~:' -;:',"
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"-C-"":;;;~_'.____,"""".i~~,,,,,~,~
;J: ,~LL
co',.
VERIFICATION
Helen Lorwey states subject to the
penalties of 18 Pa C.S.Section 4904 relating to unsworn
falsification to authorities, that he/she is the
Loss Prevention Specialist for the Plaintiff in
this matter, that he/she is authorized to make this
affidavit on its behalf and that the facts set forth in the
foregoing pleading is true and correct to the best of
his/her knowledge, information and belief.
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SHERIFF'S RETURN - REGULAR
CASE NO: 2005-01119 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
BELCO COMMUNITY CREDIT UNION
VS
HARNER ANGELA L
SHANNON SUNDAY
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according 0 law,
says, the within COMPLAINT & NOTICE
was served upon
HARNER ANGELA L
t
DEFENDANT
, at 1158:00 HOURS, on the 24th day of March
at CUMBERLAND CO SHERIFF'S OFFICE ONE COURTHOUSE SQUARE
, 2005
CARLISLE, PA 17013
by handing to
ANGELA HOOVER
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents t ereof.
Sheriff's Costs:
Docketing
Service
Postage
Surcharge
18.00
7.40
.37
10.00
.00
35.77
So Answers:
~.>Jz;::;'>r:~~ .~
R. Thomas Kline
03/28/2005
ARTHUR FELD
Sworn and Subscribed to before
By:
f j
I. Lu../h/r_<:rn ~ ' -<-~4"1
Deputy Sheriff
of
me this
BELCO COMMUNITY CREDIT UNION
COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
Plaintiff
NO.: 2005-01119
ANGELA L. HARNER
CIVIL ACTION - LAW
Defendant
IMPORTANT NOTICE
To: ANGELA L. HARNER
DATE OF NOTICE: April 15, 2005
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRI TEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE
COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGA NST
YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOT CE,
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 Y DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BE OW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRI G A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MA BE
ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY FFER
LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
Legal Services, Inc.
a Irvine Row
Carlisle, Pennsylvania 17013
(717) 243-9400
G-v1t J ~
Arthur M. Feld, Esquire
1309 Bridge Street
New Cumberland, PA 17070
(717) 770-0292
I.D. No. #07172
BELCO COMMUNITY CREDIT UNION
Plaintiff
COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PA
vs.
NO. 2005-01119
ANGELA L. HARNER
CIVIL ACTION - LAW
Defendant
Would you please enter judgment in favor of Plaintiff and aga.nst
Defendant, Angela L. Harner, 12 Black Pine Drive, Mechanicsb rg,
PA 17050 for failure to plead to the Complaint within twenty ays
of service thereof. I hereby certify that the Default No ice
required by Rules of Court was sent to the Defendants as show on
the copy attached hereto. Assess damages as follows:
$14520.28, together with interest thereon from date of judg ent
together with costs of suit thereon.
April 25, 2005
CL-\~.~
Arthur M. 'Feld, Esq.
BELCO COMMUNITY CREDIT UNION
Plaintiff
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PA
VS
No.2005-01119
ANGELA L. HARNER
Defendant/s
To ANGELA L. HARNER
You are hereby notified that on APRIL,;2..7 ' 2005, the foIl wing
judgment has been entered against you in the above captioned ca e.
DATE: APRIL
JUDGMENT IN THE AMOUNT OF $14520.28
PLUS INTEREST FROM DATE OF JUDGMENT
OF SUIT THEREON
;< ') , 2005
PLUS COSTS
I hereby certify that the name and address of the proper person s to
receive this notice under Pa. R. Civ. P. 236 is/are:
ANGELA L. HARNER
12 BLACK PINE DRIVE
MECHANICSBURG, PA 17050
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