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HomeMy WebLinkAbout05-4463 NEW CUMBERLAND FEDERAL CREDIT UNION, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA V. CIVIL ACTION - LAW MAENG C. JOHNSON and W ALTER 1. JOHNSON, DEFENDANTS NO. 05 -)P-IW NOTICE C i/'l L 'TEfi-~ 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 IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 (717) 249-3166 By: even Ho el, Esquire Howell Law Firm 619 Bridge Street New Cumberland, P A 17070 (717) 770-1277 Supreme Court ID 62063 NEW CUMBERLAND FEDERAL CREDIT UNION, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA V, CIVIL ACTION - LAW MAENG C. JOHNSON and WALTER 1. JOHNSON, DEFENDANTS NO, or - 'P'Jl..3 C'uL't-CCJL""1. COMPLAINT I, The Plaintiff is the New Cumberland Federal Credit Union with a principal place of business located at 345 Lewisberry Road, New Cumberland, York County, Pennsylvania 17070, Plaintiff is a federally chartered non profit credit union, 2. The Defendant Maeng C. Johnson is an adult individual residing at Apartment 6, 2109 Princeton Avenue, Camp Hill, Cumberland County, Pennsylvania 1701 I. 3, The Defendant Walter 1. Johnson is an adult individual residing at 1527-1 Logan Street, Harrisburg, Dauphin County, Pennsylvania 17102. 4. The parties are not current members ofthe Armed Forces and are married. COUNT I: 2000 PROMISSORY NOTE 5, On June 3, 2000 Defendants executed a Promissory Note attached as Exhibit "A" in the amount of Eighteen Thousand Five Hundred Thirty and 54/100 ($18,530.54) Dollars at 11.99% interest and pledged as collateral a 1997 Jeep Cherokee. Defendant Maeng C, Johnson was the borrower and Defendant Walter 1. Johnson was to co-borrower under this Promissory Note. 6. The terms of Exhibit "A" required timely payments of $419.59 each month, Defendants failed to make timely payments and the Jeep Cherokee was repossessed and sold with a balance remaining due of Four Thousand Seven Hundred Thirty Nine and 15/100 ($4,739.15) Dollars at 11.99% interest as of August 1,2005. 7. Defendants have made no regular payments despite repeated requests. 8. Pursuant to each Promissory Note the Defendants agreed to pay all "court costs and reasonable attorney fee" incurred in any collection action. WHEREFORE, Plaintiff respectfully requests entry of judgment in the amount of$4,739.15 at 11.99% interest from August 1,2005 together with all court costs and an award of reasonable attorneys' fees, COUNT II: 2001 PROMISSORY NOTE 9, On June 2, 2001 Defendants executed a Promissory Note attached as Exhibit "B" in the amount of Twenty Eight Thousand Two Hundred Twenty Four and 41/100 ($28,224.41) Dollars at 16.99% interest and pledged as collateral a 2000 Mitsubishi Montero. Defendant Maeng C. Johnson was the borrower and Defendant Walter L. Johnson was to co-borrower under this Promissory Note. 10. The terms of Exhibit "B" required timely payments of $628.88 each month, Defendants failed to make timely payments and the Jeep Cherokee was repossessed and sold with a balance remaining due of Six Thousand Seven Hundred Fourteen and 811100 ($6,714,81) Dollars at 16,99% interest as of August 1, 2005, 11. Defendants have made no regular payments despite repeated requests. 12, Pursuant to each Promissory Note the Defendants agreed to pay all "court costs and reasonable attorney fee" incurred in any collection action. WHEREFORE, Plaintiff respectfully requests entry of judgment in the amount of$6,714.81 at 16.99% interest from August 1, 2005 together with all court costs and an award of reasonable attorneys' fees. Respectfully submitted, By: S ven Howell, squire owell Law Firm 619 Bridge Street New Cumberland, P A 17070 (717) 770-1277 Supreme Court 1D 62063 ~_.~, ~nA Il.fflU1278 Howell Law Firm Verification I verify that the statements made in the foregoing document are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification to authorities, I verify that I am the President of the New Cumberland Federal Credit Union and that I am authorized to execute this document. BY: Donald V NCFCU Date: 'Y l n/D} @002/010 D\NIJNIJl ' - Note and Disclosure Statement ~ NEW CUMBERLAND FEDERAL CREDIT UNION P.O, Sox 658 New Cumberland, PA 17071>-0658 (717) 774-4633 . 1-800-716-2328 OOI\.\l,OWER NAME (last - First- Middle Initial) AND ADDRESS (Str",t - City - Statll- Zip Code) OATE MEMBER NUMBER tIDTEMUMBER MAENG C JOHNSON 2106-106 CEDAR RUN DRIVE CAMP HILL PA 17011 JUNE 3, 2000 CONTRACT NUMBER 075957 REFERENCE NUMBER L 2 MATURtn' DATE In this agreement "you" and "you,r" mean each person who signs 1his agreement The "credit union" means the credit union whose name appears above and anyone to whom the credit union transfers its rights under this agreement. The terms on tile reverse side are part of thIs agreement. Boxes checked 'oelow apply to this agreement. , , , The cost olyovr credit as"a yearly. rate.. TlIt~\aramoun\1h8tf8llltwln castyau. AmouJrt Financed llMamollnl llf credll provided to you or on your Ilehalf. Your Payment Schedule will be: Security: Collateral securing other loans witll the credit union wi" also secure thls loan. You are giving a security interest in your shares and/or deposits In the credit union; and S9 1 41S~S9 419a19 07/01/00 MONTHLY ToIIl of Payments e means an estimate The amount you Will hllYe paid when 'lOll Prepayment: If you pay off early yoU will lIal/t ma$ aU payments as sclleduled. not have to pay a penalty. RllIUIlId 0-", 1M Annual Porwll- age Rate does not take into account your 25 :. 11 S . 00 reQuired deposi~ if any, Property InsurlMI: You may ob1ain property lnsurance from anyone you want that is acceptable to the credit unkm. ltyou get the insurance from the credit union you will pay $ 11.990 % $ 6~220.52 Amount of P.aymeots $ 18Jo530.54 When Paymenlll AnI Due Humber 01 Payments $ N/A Other (Qescribe) theooods/property belngpurthased; Late Charge: Filing FeltS Non~Allno Insuranct THIS CREDIT UNION DOES NOT ASSESS LATE CHARGES $ $ N/A SEE YOUR CONTRACT DOCUMENTS FOR ANY ADDITIONAL INFORMATION ABOUT NONPAYMENT. DEFAULT, MID ANY REQUIRED REPAYMENT lN FUU BEFORE THE SCHEDULED DATE. ITEMIZATION OF THE AMOUNT FINANCED IF AN ITEM IS MARKED WITH AN ASTERISK (.), THE CREDIT UNION MAY RETAIN A PORTION OF THAi AMOUNT. ITEMIZATION OF AMOUNT GIVEN ~\.lNTF\NANCEOOF$ 18 Jo 530.54 TO YOU OIRECTLY$ AMOUNT PArD TO OTHERS $ 0 . U U To ONYOURBEHAlF $ 0.00 To NOTE AND SECURITY AGR EMENT eotmNVED ON REVERSE SIDE Promlu to Pay: You promise to pay $ 0 the credit union plus interest on the unpaid balance at % per year untU what yoo <lWe has b09ll repaid. Collection CosIlI: You promise to pay an costs 01 colJecting the amount you owe undel this agreement including court CQSts and reasonable attorney fees. AMOUNT PAlO ON 18Jo'530. 54 YOUR ACCOUNT $ $ $ PREPAID FINANCE 0,00 CHARGE $ N/A o. UO To 0.00 To S&!'1"'-~ M'!l'~ oP YIA' J..'.;J':JI 1.0. NUMBER ~~~~;;~:~ TYPE AU:I-'A VALUE ~16Jo299.00 CO APP,WALTER JOHNSON D1her(Descrfbel: You Pledge Shares and/or Deposits 01 $ 0 ~ 00 in account number 07 5957 Key t'lo. This Note Is governed by the laws mP A SIGNATURE: (f you agree to make and be bound by1he terms of thls Note and Securfly Agreement sign below. If you are not a borrower but an owner of tile collateral rorthis loan, sign below and check the box tor "Owner of CiJllaterar. By doing so you agree only to the terms at the S8curity Agreement. CA\lllDIl: IT IS IMPORTANT THAT YOU TIlOROUGHLY READ TIllS CONTllACT BEFORE YOU ate ~You~ or ~Your~ means the member. Credit Insurance fa voluntary and noIl"8fIulred In order Ia obtain Ihlsloan. You may select any Insurer of your choice. You are 3P\l!YkVi1 to tne Soelety1or credit insurance on your loan. You agree to pay the premium charges shown. The rate for thls ClJvemge. is subject to change. You will be notified in advance Defore a rate Increase Is put into effect. 'fIiij(j!lml"'t JOHNSON TItls appllcluon Is void and will nol be used In I comest If.II blank.paca bne not been completed, nlhe member ltal not signed and dated the AppllClUon, and lithe AppliCation hat not bIen wltnused. eOAIl~~IIOFelllTH ACCQUMTtlCI. stprtMBER 10. 1953 07S957 JOINTlltSUIlEOMEMeEIl CO-BORROWER'SOATEOFBIRTH ACCOUNT NO. ",E,"V:ffllJ'!fE~~CA"2 0 0 Ii EXPlIWIOM !lATE. OF caqlFlCATE TEFlM OF CEJlTlFItATE IN MOtmlS SECO.IIAlIY.ENmcrARY(~roudesirstOJ\llmeon8) NOTICE AN' HOIO.R D. THIS CONSUMER C"OIT CONTIlO IS SOlJiO TO AU ClAIMS AND OmNSES WHICH TH' DEBTOR COUlD ASURT AGAINST TH' Sm'R D' GOODS OR URVlm OBTAINED PURSUANT Hmro OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER IY THE OEltOR SHALL NOT IXCEED AMOUNTS PAID BY THE .UNDER CR:~~~O~~~:~~::~BlllTY {t;~~~M [~~~;~E FOR COVERAGE IS 65. WITH NO MAKIMUM TERMINATIO~ AGE. THE FDLlOWlHG STATEMEHTS MADE BUOU ARE REF'RESENTATIOflS AND AIlE TRUE TO THE 8EST OF YOUR KMOW\.EOGE MID BElIEf: CREDIT UFE INSURANCE CREDIT DISABILITY IN6URANCE YES NO COVERAGE SELECTED PREMIUM SCHEDULE YES NO COvmASE sEi..ECttD SINGLE CREDn. UFE $ 0 . 00 SINGLE CREDIT DISABILITY PREMIUMSCttEDULE 85 $ MAXIMUM AGE FOR INSURANCE NONE' $ MAXIMUM AGE ARE YOU UNDER AGE --6L...-? FOR INSURANCE NONE" On this date, are you presently actively at work and ragularfy performing all otthe: usual duties 01 aoainful oceupation a mlnimum of25 hours a week? If No, why not? MAXIMUM AMOUNT OF LOAN INSURABLE 0.00 MAXIMUM MONTHLY TOTAL DISAIIIUTY BENEm $ 7 00 14 days, then the dIsability bene1it will lOAN: wile" WIII:t 8EG\111 tl")I",'I,' S '~<',lI 'e l\1el:I"" tJ, I ~'l i \ f) 1 Jllde,' '!OllDI\' ila"tJif fJm-HJlr reqlJll/l(1 CDlln~ct I) ~el:OIile II N i II tJ, ~ 11 :,ECLJIlI I~ li'li:; di Jf'Pt'i\lSiI nlerelll:( ; flI!relerel( rile SfLU ;," , \ S\I\;mity ilt Sl'c.\rilvilt, o.\!,lCtwt11" il1<~:lIde~ " l' o\\nYBxt:1 y e l r e eel v ~ \lwvilllJ~r' 3S,;BClIr1lyi WHATTm ~: de~;cr ibed refinancing; uni,nnow lr OW'~ 1I1B CI fl yourprlil'.:II':J IhcprGpert'i will ~;ectlr" if 'iJU promise to make payments 01 the amount and at the Urns shown ,nlJmding Disclosure on 1he reverse side until what you owe. hBS been I ',11' make larger payments wiflIout penalty. II you do prepay part of what '1\ ;eClIHlfIt payments will remain due as scheduted. If YOll do not make "cheuuledotifyollelectcredilillsuran::e,ydurlastpllyrnentmaybe , al110Ullt oj Hie ollrer payments. You promise to !11a~e payments a1the 'lvtheuer!itlmion ",il.ll'.-111I1isI0l1l1 islJeing made by mail,intereston this loan begins niOceeUSarlJ !11i1ilf!d!l \llisloan refinances an earlierloall. said loan [land le(ill;\nce(( as 01 ll1e da1eol11he reverse side I!I\EAE$T - Any pmpel1y shown in the "Securitv Ollererl" seclion on will be serlrritl' for tllis loan, in addition. you a9reethis loan is also 'Ie shares and derosits in all YOUf illClividul\1 fino loint accour1ts witll 11 now arid in !lIe future Shares and deposits in an Individual 'JllIlt imd any other account tllat would lose speCial tax treatment I,!derallawlt given as securityarenotsubjecttottJesecurllyihterest ,r sllRres and deposits. All property. other 1hari dwellings, that you 'cure oUler/oans with the credit ul1iol1w\11 alsosecurelhis loan. '(I will 00 in delault i'l you do not make i'I payment at t~ amoullt is due. YO\! will be in clelau1t i.f you breat( any promise you made in this lean. You willlJe in de!aLlll if you die, file tor \)af1knj~tcy or '!,lllalis, unable lb pay your bbligatiol1s whentlley tlecorne due. You ,,'I if you make any lalse or misleading statements if1 any crellit /IGREEMENT all lelmBnces 10 "credil union'"lllean tile credit union wl1o$e flame l\c'te alld anyone to whom the credit union assigns tile loan, All 'lu~I1" mean l11e loan described in tile Truth in lending OisciQsure YOI{mean each person who signs this agreement FOR 1H1: lDIIN - By signing t(,is seculity aQleemenl In the 'JY signing lIle stateIllent referring to tl1!S agreelllent on lhe back at ~ive tor your loan. you give the credil union what is known as ,~ 11 the propelty described in the "Security Olfered" section. The 'll! give includes all accessions, Accessions ~Ie things wl1ich are 'rlled in the property ntJw Qrlntt\ellltllre. The security interest afso "ernellts for the prooertv whic~\vou buy wi1hin 10 days afthe loan renewals 01- refinancing of the loan. 1\ also inc\uclesany money rllillg 1l1e jJropRrly or trom insurance you Il<lVe on the property. If pel-ty declines, you promise to give tile uellii union morepropel1 \' ,~ tad 0 so. i';inTY INTEREST COVERS - The security interest secures the loan 'fUUl ill lem:lillj;J Disclosure and any exterlsions, renewals (lr I loan_ 1\ also secures ~ny other loans you have with the credit fl1ture including any credit card loans and any other amollnts YOll , lorc1rlY reason nmNorin the future, exceptal1yloallsecm~d by !nce_!l Hw ~woperty description is marked with one star 1'1, or d1oll1gG0{J~asdeJinedbytlleCreditPracticeRule,thepmperty loal\Mlli 110\ other arnounts YOll owe lIE PflOPEmV '-, Vou plOmise that vau own the pmper1v, Gr il ,e property you pfOrni~e yOIJ willllse the loan 101 that purpose one else Iws illl)' inlerest in 01 ~.I",im against tile property thaI told tile cli'dif unioll ~llouL You prm{\!se no! tose!! orlense tile as secltrity lora loan wiH1allotllefcreuiloruntilyourloanwilh "paId_ YDU promise you will allow flO security interest or lien to 'I/either by yOllr actions or t1i{operallorlol law. :;F.CUflITY tNlEREST - 11 your slate issues a title lor the '~fo halilO tile c!'ediluniorfs security illterest shown on tiie title Ilave to file wl1at is callect a linancing statement to protect its 'tl1eclaimsolothers, II asked 10 doso, you promise to signa iGlJa!soprOl1liseto do whatever else tile credit union thinks is Is security interes\ inll1e property - Until the loan 11as been paid off, you promise you wilt .(1) Use amll<eep it in good repair. (2) Obtain Written permission 1rom ';'~ making major changes to tile property: (3) lf1iorm the credit ": changing your address orthe address where the property is 'l'dit union 10 inspect the property. (5) PrompUYrlotitytl1e credit damaged, stolen or abused, (6) Not us{! the property for any OM(:!IEf!Sl-iI' tllislr:;3'1!c,Q Y'.Il1prIJI11IS\1 I!OU';av\lj\o, WClI!(.'llym,) \h-:;u'Ouiturr "ttacl'tothep PFlOlEClINf, r ropl~'-I y, YU( f Tlieuediturc secwity inter:~ linan(:illgstal:1 necessarytoll" USE OF PRUfE,W, thepropertyc,ll ll1ecmdilut\i(n I union in wdtlrQ kepL(4) AUo'l. t union r1 the pr \~ unlawllllpurpls PROPEllTY lN~jtn/dICf, TAXES AND FEES - You promise to' pay an taxes and fees fl\kefegistrat'I(:] :1ue on the property and to keep the property insured against loss and darn, g amount and coverage of the property insurance must be accept2l11e to t H I;r union, You may provide the property insurance through a policy l'OU aIrel( or througll a policy you get and pay for, You promise to STATEOF_~ COUNTY OF The undersigned n and to lh~ secur{d (SEAL) MycommiSsion€Xfl' .".'" app!icalion or update of credit information YOl(will be in default if anyone who Has signed a security agreement in connection with this loan is III delault, YO!Jwillalso beindelauitHsomethinghappenswllichtllecreditlmionbelievesrnaysul1stantiaily reauceyourabililyJo repay what you owe. When you are in default, tile Credit union Cilndemillid immediate payment Df the unpaid tlaiance 01 th\:;.loaf1 wlthou\ giving you advance notrcc, Htl1e credit \J\1iof\ demands immediatep'3ymellt Of the unpaid balance, yotl will contJllf18 lo p3ymtemst althesameintereslratelJntllwilatyouowehastJeerrrepaidlftilcnedltUrI\enhiiS demanded immediate Payment 01 Hlr. unpaid balance, tile credit Ul1iOll em-I aDply the shares al1d deposits that you have given as security under this agre~mel1t low,mJs whal you ow~'" The credi1 union can also exercise any other rigllts the law giv~ tile credituniollwllenYOlJarein rJefaull EACH PERSON RESPONSIBLE -- Each perSDI1 wllo ;,igm tl1l$ ;,greernenl will 1)12. imlividuai\yand jointly responsitJletor paying the'Gntil'\18.mo \Inlowen That means \hllCredit union can enforce its rights under this a'0r\';\';menl agai nstanyoneolyou indivilluallyoragainstallofyoulogether. lATE CtlAllGf -' If 'lOll are late in m<1ling a payment, you agree to pay tl1'il late charge shown in the Truth if\ L\';mling Oisclosure on tf1e reverse sid e,lfnolatect"large is silown, you will not twcharged one. NO WAIVER -The credilllniorl can delay enforCing any 0( its (i1)II\$ any number of timeswi1hQut losing ils rights NOTICES - Notices will be mailed to YOll al the most recent addless you !lave gi~en lhecredit union in writing. Notice to any one at you witt be notice 10 all . -~. '.. make the insu ra nce policy payab~e to the credit union a 11 (j to riel iV8 ( tll ~ policy or proal 01 coverage to the credit union if askeotodo so. If you cancel your insurance anoge13 rElfund,lI1e Credit union has a right to the refund, !fthe property is lost or damagect, lhe credit union can use the insumnee settlemenlto reoairth'G plOpeliy or apply it-towards WflatYOll owe Youau\horizethe credit uniolllO indorse any dla1l or check w)licll may be payable 10 you i(\olclerjnr Il1e credit union to collect any refuncl 0 r benefilS dUll unde r you r in sura.llce pO!il~Y f/YOll do not?ay tlletaxes or lees on Itle property when due or keep itifiSll1 ed,the credit llnion may paytheseoDligations, butisnotrequiredtodosoAliymoneylhe credit uniorl spendslortaxes,lees or insurance wll) be added tOYOlH loan balance and YGU wi!! flay intcrp.sl on thOse amounts at the sallle rate yOll 3j,.Ileed \0 pay on ttre loan_II the credit union adds amounts tor taxes, fees, or im,urallceloyour)oan Ilalallce.your payments may tJe increased by tileamoun\ necessary fDl your loan (0 l:lepaid o!i inthe same numb~rol montlls origmaHy schec(uled DEfAULT - You will be in default if you break any promise you make under 1IIis agreement. You wiil also be in defauit if you '3re ill\JefalJl1 underlhe loan, IfYOlr are pleaging property, but have signed only as an "Owner ot Collateral (other t~lan a 9orrowerr, you will be in default iJ anyone is in default 'N110 lias signed 1Ile lOANL1NERi~ Note WHAT HAPPENS If '(QUARE IN UEfAULT - Wilen you are IlIliel,wlt, t~le (.!\O\lil union can, willlOuladv1>llce notice 10 you, require Immediate [JaymentotwhatyolJ owe on the loan and \akeposs\J5sion olthe properly. You agree the credil ur1ioO has the rigl1t to take possession of \lie prapelty willlOUl going to CO(lrl ,,-nl! ';Vit~10\.J\ 91"';119 youadvallcenoticellyouareasl(el\todosobylhecreuilunionj\;uPHJllliSe10 deliver the p loperty at a time and piace tl18 credit un ion chooses_ The ~:Ied!t \ lill'.'ll wili not be responsible IN ,my oiyourolherproper!y, notcuvered bj'l.l1is3Qleemel\l, tllatyou leave inside the propeliy, T11ecredlluniorlwiillry to mturn that plOpefty \0 yOLlorrnakeitavaHableioryou10clairn Alter (be credillJnion has posseSSion of tile property, it can sell it am1 apply the mOrley received tD any amourrts you owe the credit Union, TI1\'; cretlit union wHt give you !1otice of any public sale or the date af1erwhlcll.a private salew\ll be held, The expenses of the credil unionfortakiHQPossessionolal1csel\illgtheprolJertywiil be deducted1romtlle money received from the sale, Those costs may in elude the cost 01 storing 1he property, preparing it for sale and attome:y's.lees to the extent permitted unller slate law or awarded under ~506(tI) oj tile Banlmlplcy Code, The rest of the sale money will be applied to whatyoll owe on the loan. If you have agreed/o pay the ioan,youwill also have to pay any amount that remains unpaid after tHe sale money has been applied to wllat you owe ,on the loan and under this agreement. You aqree to pay il1terest on that amounlatthe sarne rate asthe loa n until ttrat all10unt has been paid. DELAY IN ENFORCING RIGHTS A!iD CHANGES IN THE AGREEMENT - The credit union can delay enforcing any 01 its righlS under this agreement an ynumberoftimes without losing the alJility to exercise its rights later. TheJ;redit union can enjorcetf1is agreementaga(nstyourlleirsorlegalrepresenWlives_lfthecreditllrdonchangesthe terms of the loan,you a9ree that th'rs agreement will c:ontinueto protect the credit unIOn CONTINUED EfFECTiVENESS -If the law makes any term{s) oj this plan unenlorce- able, the other terms will remain in eflecl THE PROPERTY DESCRIPTION ON THE REVERSE SIDE IS PART OF THIS AGREEMENT. NOTICE: SIGN THIS AGREEMENT ON THE REVERSE SIDE. CERTIFICATE ss. publ\ccertifies lhal the above and toregoing is a true copy of the or iginal securilyagreement, executed,and deliverell by the debtor named therein ',;therein. Residing in (COUNTY) NOTAAYPUBlIC SE'CUREDPAATY$IGIJATUREmA.quirodj DlNUNIR. NOTe and Disclosure Statement NEW CUMa/;ilLANO I'EDERALCREDIT UNION PO, Box 658 . NffWCumberland, PA 17070c0658 (717) 774-4633 ' 1-800-716-2328 B<lRR.OWEf\ NAME. (Last - flrst- Middle Initial) AND ADDRESS (Street' City - State - Zip Code) DATE MEMBER NUMBER NOTE NUMBER MAENG C JOHNSON 2108-106 CEDAR RUN DRIVE CAMP HILL PA 17011 JUNE 2. 2001 075957 CONTRACT NUMBER REFERENCE NUMBER L 5 MATUAJTYDATE In this agreement "you~ ahd "'lour" mean each person who signs this agreement The "credit union" means the credit union whose name appears aOOve and anyone 10 whom the credll union transfers its rights under tnis agreement The terms on the reverse sIde are part. of tI1.1s agreemeQt. Boxes ctlecked below apply to this agreement. . . , The dotlaramount lhecredlt'wUJ CDS/YOU. AinolintAnliliced Th8 amlluntotcredll provided to you otonyoorbehalt TOlIlof_nts ~~ea=~lar~~~:~h=l~ e means an estimate _~Y\lIl"".offearlyyouwin not have to pay a penafly. Requll'8d Deposit The Annual Percent- age Rate does oottak9 intnaccountyour 45,126.79 required deposit, ffany. Property Insurance: You may obtain property insurance from anyone you wanHhat is accepIable to !he credit union. If you get the Insurance from the credit union YOIl wiU pay 16.990 % $ 16.902.38 Amounlol~yments $ 28,224.41 When Payments Are Due $ Numbtlfo1flaymenls Your Payment 71 Schedule will be: 1 476.'31 MONTHLY Seearlly: Collateral secunnQ other loans with the credit union will also secure this loan, You are giving a security interest in your shares and/or deposits In the credit I.lf\ion; and LafeCharge: 628.8a 07/01/01 $ N/A Other (O.escribe) the goods/property being purchased; filing fees Non-flllnglns.urance THIS CREDIT UNION DOES NOT ASSESS LATE CHARGES $ $ N/A SEE YOUR CONTRACT DOCUMENTS FDA ANY ADDITIONAL INFORMATION ABOUT NONPAYMENT, DEfAUlT. AND ANY flEaUfAED REPAYMENT IN FULL BEFORE THE SCHEDUlED DATE:. ITEMIZATION OF THE; AMOUNT FINANCEO IF AN ITEM IS MARKED WITH AN ASTERISK (..), THE CREDIT UNION WILL RETAIN A PORtION OF THAT AMOUNT ITEMIZATION OF AMOUNT GfVfN AMOUNTFl/IlMlCEOOf$ 28,224.41 TOYOUDIRECTLY$ AMCUNT I>A1DTD OTHERS $ u. UU To ON YOUR BEHALF $ 0.00 To N TE AND SECURITY AGREEMENT COliTltll.iEQ ON REVERSE SIDE Promise 10 Pay: You promlse to P3:1 $ 0 the credit union plus Interest on the unpaid balanc,e a~ 6 . 990 % per year until what you owe has been repaId. Collection CoslS: You promise to pay aU costs of conecting the amount you owe under this agreement lncIudtng court costs and reasonable attorney fees. AMO\JNTPAIDON 14, 780. 52 YOUR ACCOUNT $ $ $ 13.443,89 o . 00 To 0.00 To PREPAID FINANCE CHARGE $ N/A Sel:url~Ofl8red: MUI'l t:.I"'\,U MOOEl M11 ::iUI:HSHI '(EAR l.D,NUMBER 2000 JA4MT31HOYP037836 TYPE VAWE AU,PA $19,999.00 OIher(Descrlbll): You Pledge Shares and/or Oepos~\s of $ 0 . 00 in account number 075957 Key No, This Note is governed by the laws op A SIGNAlURE: If you agree to make and be bound by the terms of this Note and Security Agreem8l1t sign below. /fYOll are not a borrower bur an owner of the collateral for this loan, sign below and check the box tor "Owner of Col/ateral': By doing so you agree only to the terms of the Secu. ' ment CAUnOH: IT IS IMPORTANT THAT YOU THOROUGHLY READ THIS CONTRACT 8EFORE y: Date 2 Date COAP-WALTER JOHNSON "Youn or "Your" means the member. CredltiftsurancelsYOlunlaryand noI:requlredlnorderloobfalnthls loin. You may select any insurer of your choice. You are applying to ttle Society for credit Insurance on your loan. You agree to pay the premium charges shown. The ratefortl\is oovmgels SUbject to chanQe, You will be notified in advance before a rate increase is put into effect. f\'.I("!!W!l'''!; JOHNSON 00 NOT $IGN THIS APPLICATION IF IT CONTAI~S ANY BlANK SPACES. This. application Is void and will not be usetl in a conI111lf all blank spactl have not bIen completed, lIthe member has not signed and dBled the Application, and If tile AppIicl.Uon tin not be811 wUnels.d. BORRQWER'SDATEOF8IRn\ ACCOlJtrrNO. SEPTEMBER 10. 1953 075957 JOINTIN$UAEOMEMBER CO'80RROWER'S DAn OFelRTfi /lCCOllN1NO fFFEC11>.j~Vi~Cf~I~CAT~OOl EXP~TIONOATtQFC6\'TlAl:A~ NOTICE AMY NOLD'R Of TNIS (DMSUMlB CII'DIT CONTMO IS sumo ro All CLAIMS AND DEFENSIS WHICH TN. D..roR COULD AmRI AGAINST TN' sm'R Of GOODS DR S1IlVICIS DlTAIN'D PURSUANT H'RETD OR WITH TN' ,RDCEEDS H'R'OF, R'COV'RY H'R'UND'R IY IH' D,IIOR SHAll NOT EXCEED AMOUNTS 'AID BY TN, - DUrol H"'UND'R. 'UNDER CREDIT LIFE AND DISABILITY THE MAXIMUM ELlGI81L1TY AGE FOR COVERAGE IS 65, wlTti NO MAXIMUM TERMINATION AGE. rolMOFta!TlFIC.\TEIN,MON11iS .i!ClIIilDNIY~Y\<<'JClllItMttIOnameOllI) PREMIUM SCHEDULE SINGLE CREDIT DISABILITY $ ARE YOU UNDER AGE 65 ? ~~l~~~~fleE NO~ On this dale, are you presently activeJy at work and regularly perform ing all 01 the usual duties of a gainful occupation a minimum of 25 hours a week? II NO,w/lynot? MAXIMUM AMOUNT OF LOAN INSURABLE MAXtMUM MOtmtlY TDTAL DISABIlITY BENEfIT $ 7S0.OO 14 days, then Ihedisability benefit wil! DillE ~~_ You promi~e'to ~~k;e:JJ:ayth~~ts-o?the~ri1_di~;t~~itdl'the limes~own When you are in default, the credit tmion can demaml immediale payment oft~_e ,', \llltmdmg Discloswep,n.me reverse~jde, unhfwhatY9U owe has been unpaid balance of this loan without giving you advat!ce-,notil;e~-l[ ttl!O;cregitr;u~,\~,n 1)1: 111.11' make larger'paymef1~s.w(W9u.t pen,aJW;.\fycud,O pf,epay part of what demands Immediate payment oflhe unpaid balance. yOl! will 'continue to paY"iilterest 'r, ',llh"equent payments will remain due-a.s schedtllM,lf you do not make at tl1.e sam~r-in1e. r.,~~~,..r,a\i;!J!!t!li'11l1a.tc!yDUR{)~~lt1aS))e.,eg,repaid,I.f,th~_qr!'l(jjt ~,(]io~:ll~S "'111', :;cheduled 01 it you elect credit !llsurance, your last payment may lle demanded imt'tJeplate fia9ment\Q~lhlJ:unp:aldbala~ce;t!ie !;fMltllmOI1C:lJi:::lPlIljthe Iii,:,' I il,,_, alllO~nt, 0' l~~otl'erpaYl1le~ts,You prOlllise,to fT)ake paymeflts"at tIle " shar,e~,~,rd. 9.ep.os!!~~tJ.Wt-X~IL,b~.e_.,giveo,."a,~.J~WJmYYlJdW ,lhis.<HHeen'~ll1.JPYl'ar~s ,-!lfl::C:I hy the~r~mf [1[Iion. r "<~.:, ::':"" ,"', ' . ~ -, " "' "'" w~~tyol;l1iw~.iihertred1"qftllOrie'aij also;exefcis.eanyotflllr,righlslhe law,gives !lle Ul,~:n 11',' i\l11\II __ If tllis loan is IJeirlg mmte by mail, interest on this loan begins credit union when you are iri detault \~I"~" '11" "ill pToceectsare ll1~ilerl JI this loan refinances an earlier loan, said loan EACH PERSON RESPONSIBLE - Each person who ;;igns Ihis <'1JTep.ment will be Wllllr; ':;<111 ,':ll)d and refmanced as 01 the (lite on tl'le reverse side. IndivlduaIly and joinlly responsible for paying Iheentire amount, owed. ihal means SEClJfllTI INlERESr':':''-- Any property-~hoWI1.'ih '(~e';'SecuritYOflirea.sed\(l1l'(Jn 1.lw creni1 union can enforce its riQht$undertHis 'agreemenf against anyone of j'Otl till! ;rle 'NilllJe security fQrthis loan III addition, you agree this loan is also individually or against all of you together. ';~.;:\I'\~'! \he "h~res ;Jnd deposils 'In an your individual and joint ~ccounts with LATE CHARGE ~ If you are late in making a pnym~I\I, YOII aqlee to pay the lale Ille _ "'dOll now amj .in . tile ,tutum, .ShR.res a.~d .,..,.pos,itS."il.'. an.; ITldi.Yid.U~I, ...'. ha.rg..esh.oW.Jl)n tJw.,Tr.~~~ i.O k~ndfrlgDi.SClq.s.ur.eq.n ,the reve. rsesip-8_, II ,no late cha[qe Relll,'!(~t\'t, !~(:COllfjj 'and .,~~y. olher;a~!l?\If1t)~a'r wp,u.I.~'los~'~peCi,all'~a)(,!rtatrt,lent",i~'i~pwpr,'~Q,\l Wi))"nqt:,p~;:~r~rge~ o~~'. '_,",-:":,.: ". .... .' llllclel". il.e \.I.jPder_a.I}~W,II"9!.veQ, ~.~.~..Q\Wr~?t.e::'M..t\~~ ~U~JI.. Kw"m...~"..S\~~tl,~IrIiflJ~~,t "'''~A!YER'~lll~weJt\t!l!n. iWl',r:aI1., ,;;Ual<iY!.,. to'r:ct('l'fl 'any Df,l.ts Ti~hls'aJlY nutfitietof, ~~~,i:;~,:('::l t:(O,~c~~ea~;~e~~~~~~~~t~Si;l:t~r:~~~~lr~I:=~~l~~ri~~tJU;""'time~}1{~l~,Q~~:I,~sr~g'Hs'nci~fs:. '_'-~\?,"\ :~~Ar:t' . ...., ',"i',>;';>~,- .' r-" . .' ',: ".,' IJEfAIJ!.T~- VOl! will be-'jif defaUli HI you"d1D"'not;m~~e a payment'olJhe al11ountNOTlGE,~~,l':Jot~6es ~UI,Oll,ma.iled.tq yq.u,at thernoSt ~ecent address you"have given r~\l\1l:e;1 ':..<\',\'\" it Is _Que_ You will b,~in:delault1fyou'break any pr'tUf1is'e''y'ou made in the credit tlr1iCflln writing. Notice to anyone, of you Will be nollce to all carinl'dlOII v,:!rll thiS 'loall.You wlll_ be Ul def3ult II yOll dle, !ile for bankruptcy or STATUTORY LIEN NOTICE FOR MEMBERS OF FEDERAL CREOIT UNIONS - II IJe~ol;)f' InS'll',/p,nt, Ihat is, unable,top;ay your ObiigatioJ)s wilen they becotrle due, You you are in<letault on 11 financial obligation, leder~1 law gives the credit union the rigll1 w!11 bonl iJ1.hul\ if YUU lT1akeany'l.als,B' or misleading slatemellts in any creqit to apply \li,!-balanCe (lj.shares."anddivigeru:1sin alllt\_dwidual<\nd:j{lin~ accounts you appll(~f1()1I 'lr Llpdate'(lf credit iliformatior\','YOIl will'ooin defaui\ 11 anyone' Who has haVe rO"sa1 sty that ob igil.tioIT_ 'Atteryouare in defa~lt, th'e credit uhionlnay exerCise signP'l!lS~I:UJiry agree-lTienllncol1,rli:ittion withfhis loan is in default. YOLl will also tl1is right without further notice 10 YOLl (Federal credit unions have the term ::Federal be In'r1e\~ill\ 1j something l;appenswhfth IIle credit union believes may substanlially Credil Union'" In their name.) , reducl"/'JIII i1!.rililyto repay wh.at you owe -------,,,-- ---- -,--.- - -----.- li1 this agren~l:fJil1 ~{lwfilrences 10 "creditlJl\iQ(l" m.ean the creol\ union whose name make the i1isuranr;e' policy payable 10 Ihe -credit union and 10 deliver the poJicy,or appeal5 1)[1 tlw, note and anyorle to whom lhe credit union assigns the loan. All proat of coverage in the cre(\it union nasked 10 do so.' re!erel'\}~s If.> "ll1e lotu)" mean Ihe loan described in Ihe Truth in lending DisclD'sure'. If YOll ca~,t~I^Y9uri.ns~.F3,f\qe <\.n<l. \J~ti:l re~u,m:li tbecre,di,t union has a ri~hl to the ~II, ,~e!.8 [I) nEes tf]"_)O~L!:l1.~_~n ,~!lc_~.p,e.r~.?"n"Vi~?" ,~_~n~tt1i%..~W~me.Dt ':; "..,,_,"'" reftJl:ld,.n'lbe," propertY;ISjdst,pr,~,aP1aged,' Jbe,C[edlt. UI110ncatt0JSe,tb.em:iu(an):-e THE"SECURITY FOR;THE"lD~N .~' By.',signing'_.thissecurity, . agr6\}me_nt.. \~the~_e1Y~rn~ryt lorep~if't~,e p~ope~.Ol'apP_Jy;11 ~6wa~~~,,~p~t~0~6we. ,~0~'lt~!~2ri~~_lIte slgnalI'F" area nr WslghJhg tli'e"slaleit1enlrefi!rnng 10 tliis--agi'eemeht on t~lfbaek"of CTIlQ.lt t1nlol1to end'lfrse any"'6raftCf^tl'l~c\?\ijfl\tfi ifiay be paYilble to~olll~~faerror. the dwc~, jl.\!1 lecel\le tor y(jur loan,'}ou give the credit unton whalls Rno:wn as a the credit unIOn to coIJec:t-a,n,Y refund,or ben.~lits;due under your i~sur~hceptil\~y: seGU1l1/ !ntelfst In tile property described'jn'the "Sec:urityOflered"'sectlo'n:_ The It y_oU-do. not pay the-'1axesor Jeisbi1;the PrDPerty when due or:keep It insured,toe secunL' Il1t~lesl you give lI1c1udes aWaccessions. Accessions are things which are credit umon may pay these obligalioriS,'lJutis nol reQlIlretJ to dq,so"AIlymoney,the attached to m ,ns\alled in Ille property now O( in 1M fulure, The securilY interest also credit union spendS lor taxes, fees or insurance will be added to your loan balance illcludes any replacements lor the property whlchycu buy withm 1Q days of the loan andyou'wH! pay inte~est on those amounts atthe,~!lrne,rate youagreed:lp.p~y _on tlW or any extensions".Jenewals,orrefinancing,ol, IheJoan,.II"a(~o,jncludesany money"> l-o-an,- If,-t:l1e-'C1etlitunif.lri>;atlds~amounlS:"fm.,;i~si' n'!es;,.o'r Insurimce-..ro -yOl1fdoan YO,\J,rcciOi\le lromselling lhe property or from insurance \(OU JJaveonth~property, If ba!~nCe, YOU,( pay.me[ltsma~l'be ifltreased by thtt ~mounl necessary lor YOllr,Joal:' to the' valliS o{tlle property declines.. you prcrl1lseto gi\le_the pf(;di1,'un\onfhor~,pr~pertY be paid. off in the sarne-nun:Jber 01 months,Ofigi~allysche9uled., '.. assecurity if a!;ked to do so. . ," , DEFAULT _ You will be in delault if you break any promise you make under this WHAT lHESEGURITY INTEREST GOV~RS:- The security interest secures the loaf) agreemerlt. You wi\Lalso be \n delault if you are_in default under the,loan. If you are descrio(!(\ in tllfl Tm\\) ,in lending'Di_sclosure and <J,nyextensions. renewals'or pledging prdperty, buthave_:'iigned only asaii'''Owner olCollater'i\"(othM't\\arf-a refinanclllgs of that loan. II also secures any other (oanS,ySlU ~a\le,with the credit Borrower)",you will be I()'default' if anyone'; is in default who has signed the union nnw or In the lutUl'e Including any credit card loans and any otller amounts you LOANUNER@Note owe the crel:!it \Inion tor any reason now 01' in Ihe future, except any loan secured by WHAT HAPPENS IF YOU ARE IN OEFAULT - When you are In detault, tile credit your pnllcipal residence. If ttle property description is market! with one star ('). or union can, without advance notice 10 you, requireimmediale payment al what yell the prOI;el1y is househOld goods as defined by IIle Credit Practice Rule. the property owe on the loan and lake poss~!ision olll1e property. You agree Ihe credit unIOn has will seC1If1O only Ihis loan amt nol olher amoullts you owe. the right to take possession ol the property wi\hom going 10 court and withoLitgivirig' DWNERSUIP OFTHE PAOPEBTY -:--'you promise that you ownt)),e property, or if you advaO~I,l[:n(Jlip-e.)f ypu are asked to do SQ by.the, cr,edit uniol1,youprom-\.seJo thiS loan.is.to buy the property, you promise you wIl{ use Ihe.\oanJorc1hat purpose. dehvertne' properly at atime ~nd.place the.creoll union chOoses, The credit'ljn10n You pro'mJse that no one else has anyillterest in or .ciaimagalnsf-theproperty that wI!! not'l:lIiHe~ooSible furai1yof yourO\lier'"property, 'nol covered by thiS'agreeriienl, you IlaV\:', not ?li\~<ldy loll:! the credIt un'ion about. You promise not jd'sell or leaSe the- that you lea:ve.inside"tll~)Jr'operty: T~e oredlt uriion'wiUtry,toreturn th~r-propert)lto property or to use II as security for a loan WIth another creditor until your'!o'a:ffwlth' y~u'ot make:/tllvailable fOryouto'Clafni'.' :.,' ":,,,,' .' ."J' tile credit union is repaid. You P[Oji1iSELY.QU wiJIal!qw rios~curityintE!fest or lien to -, Alter 'lhe creD\tluTlIon has possession of the property, It can sell II and apply tile attach to the property either by your actions or by operation of law. , .... ...... money receIved to allY amounts you owe tM ctet!ll umon The c1'edlt unlof'l Will give PROTECTING. THE,SECURlW.mTEREST :...::.. If your. slMe ]ssu(!s a title for tblf' \ you notice 01 allY public sale or the dale ~fte~whlClla private sale, will be MId the propel1y" you prornlseto have the credit union'ssecudty i,[l~erest sho'<<~.onthe mle. experrses of!he credit umon lOr takmg n of and selling the property Will be Tl:Ie"cr,edlt'ltnion.[Ul,y,',~iW~.t9;.fi!~,::w.h~.t ;isc~!leg..a tiUamMJm4fJil,I~flJt:W\iW,IUQt,~~:I!~,...~:/t~9yat~,g},~Q.m,~W9,MY:J,llc~e\~,~,~J,~,s~.c.os\s-ryJaY,lnt;1ud~'heA';O,st ~~~~~~~~~t~S~~ci~~Yb~e~~~6~rO~iW:rO~~~t~:~t~~~~~~~~e~i{~~\~~~~~:i;f:~I'.\.?~~~I~~'~tn~ffift~r~P~fPaa~~r~~'~; . P)~\b{~:Y~~1kT~6i~1"'~6d:_X1;:- necessar\' to protect Its security intereSt in the property. resLot the s,~le moneywiIU}e.,app~ie[Ho,wl:la1:;Y.9Powe, Qn)lleloaJ)." US>E,DfPHOPERIY""- Until the loan hast!een'paia off, YO(l;prOfniseyou''Willh(,1' Use If,yo~.haveagJ.eed topay.the:klal1;YOltWil~~\S~ha\!etopaY anyamouni'thal~emains the:propertv e'ilrefully'aml I\\!oep, it 111 goodrepairt {2) Obtain:writtM: pe[miSSionfrom u~paid afteF;tlte.s.aje'fIloney has,b,eenapplied:!o',;WhatYOUowe<ontheloanand'lmder the credit Ulllon before making maior changes tMne-'property: (3)Jnlortn,tlltH..rt:di\ thls'agr~1'Ti~nt_Y;()u agreeto pay Interestonl!ttat.amOllnfaHhesamerate aslha,joan llnionll1 wrltmg before chang(Q9,y{)ur address orthe address Whe-re-jthll,prOPe:I1Y'fS until Ihat-amounthas been paid 'n , .. co,,:'; kept. {AI A(klW thecredit unlonto inspecl the property. (5) Pronmtly; notify t~e credit DELAY IN ENFORCING RIGHTS ANO CHANGES IN THE. AGREEMBIT'- The credIT union iltlie plopelly IS damaged, slolen or abused_ (6) Not us;eJh~prOperty 1o!?ny UnlorLcall delay_enforcing any of its rights under this agreement any_number_ol times unlawlui purpose ":,..,, : ..""'."J withcut losing the ability to exemseits r'ightslater. The credit uniorrc:l.n'eri'forcethis PROPERlY INSURANCE, TAXES AND FEES _ You promise 10 pay all taxes and lees agreemel1l against your heirs or tegal represe[1tati~e~. \1 the. credit union Changes lh,e (hke regIstratIon tees) I:!ue nn \\\e,prop.erty,and 10 keep the--prop-ll:rty,insurep,~gal(1st ter.ms of the 10al\Yp,Y, agree Ihalt~I~,~g~ellmenlwIII eonllnue 10 protectti1e credIt loss and damage. Tlw amount and coverage of the property' irysllranc~'must be \Jm~!I, acceptable to the cr~(jit union. You lT1ayprovide_thRpropetty..illsl!~a_nce thr9ugha CO~rlN:U~1;J EF~a::IIV~N~SS.-::-lft~lawmakes allY ierm(s) of Ihi$ plan unenforce- poliCY you already have, or through a policy you gel and pay for. V'ou promise to able. the other terms will remain in effect. ,'\ SECURITY AGREEMENT Ad-' ----_..__._,-,----"-------,----,-,_."-"---~_."--_._._----...~----_._.- "--,--,,,,---,- THE PROPERTY OESeR/PlION ON THE REVERSE SlOE IS PART Of THIS AGREEMENT, NOTICE: S16N THIS AGRE~"T llN.THE REVERSE SlOE. 'tf,litiFic.ilii: STI\TE.OF '''':'\:'", COUNTY OF iFy .' 1'1';'(.) The undersigned notary ptibliccertifies tl1at tile ab_ove,anlHor egoing.is alrue copy olllle original security agreemtlnt, etecu\ed, atldto tt1esec:ured j'taITjthere\n. . + and deliveredtJythe debtorn~medtherein SroW~Ell ~ARTY S'Ir.NATURi::-j11 AeQ~lre~1 NOT,/lAYPUBLlC (SEAL) .. MycGmmissionexpires:~.__"__ Residing in _ (COUNTY) ,J',' ......'"".~~,.;;;;":".,,.,- """""-.."",.~,.;,,,'^ 't' ~oi.llH..La,;~ ..0 ~ .' i ,j ~,~""":'~~~,Jt~S...,,,-j;, ,-';i\1.\iL _ "....;;;;~; '"'"''' ~~.. _'__._'"' ."'._ ...... ...'i.ui~le-[l};__~~;;;'-'~'--' ~,..~ () -fA. \~ Ul U\ - ~ VI. ~ ~ C> ~ - f2 ~ - 6-; ~ ---L G (") ,- ~ \J c~~ -0 "" :? l'lIF, ~n',l,i :,'J ~~( ',-?~~/ -0 -0~'~ -';' <e,f\1 <..f?:::l U1 -.:2. ....1 -~ C::' C'l f'.' \.0 - .~ NEW CUMBERLAND FEDERAL CREDIT UNION, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA V. CIVIL ACTION - LAW MAENG C. JOHNSON and WALTER 1. JOHNSON, DEFENDANTS NO. 05 - 4463 CIVIL TERM TO: W ALTER 1. JOHNSON APARTMENT 1527-1 LOGAN STREET HARRISBURG,PA 17102 DATE OF NOTICE: SEPTEMBER 23,2005 IMPORTANT NOTICE YOU ARE IN DEF AUL T 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 MAYBE 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 MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONA AT A REDUCED FEE OR NO FEE, Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 (717) 249-3166 Date: September 23, 2005 Certificate of Service I hereby certify that on the date set forth below a true and correct copy of the foregoing document was served upon the party/parties set forth below by postage prepaid, first class United States Mail addressed as follows: WALTER 1. JOHNSON APARTMENT 1527-1 LOGAN STREET HARRISBURG, PA 17102 St n Hell, owell Law F" 619 Bridge Street New Cumberland, P A 17070 (717) 770-1277 Supreme Court ID 62063 Respectfully submitted, By: Date: September 23, 2005 (} c ,..~' " N <=' fi. en f' --0 r--> 0' c_ /-', '::~ "'" :;J>:: 'i? <;?, :I!"" rTle, "T:"J!' \ ",0 ~;.., 1 \~2~~ q ~ if> SHERIFF'S RETURN - OUT OF COUNTY CASE NO: 2005-04463 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NEW CUMBERLAND FEDERAL CREDIT VS JOHNSON MAENG C ET AL R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: JOHNSON WALTER L but was unable to locate Him in his bailiwick. He therefore deputized the sheriff of DAUPHIN County, Pennsylvania, to serve the within COMPLAINT & NOTICE On September 15th , 2005 , this office was in receipt of the attached return from DAUPHIN Sheriff's Costs: Docketing Out of County Surcharge Dep Dauphin County 6.00 9.00 10.00 26.25 .00 51. 25 09/15/2005 STEVEN HOWELL S~o. an..s...wer.s~./... >./ ....'./>? ,./' ,,___ ~,,,......,:.,.C-'d . /::~~~ "..,.__.~ </--:~~~~. R. Thomas Kline Sheriff of Cumberland County Sworn and subscribed to before me this )--3 day of s...e1k~ b ;;-t>6&..lf?l) . . ~ary SHERIFF'S RETURN - REGULAR CASE NO: 2005-04463 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NEW CUMBERLAND FEDERAL CREDIT VS JOHNSON MAENG C ET AL RONALD HOOVER Sheriff or Deputy Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon JOHNSON MAENG C the DEFENDANT , at 1912:00 HOURS, on the 14th day of September, 2005 at APARTMENT 6 2109 PRINCTON AVENUE CAMP HILL, PA 17011 by handing to JERALD JOHNSON, SON ADULT IN CHARGE a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Postage Surcharge 18.00 12,00 .74 10.00 .00 40.74 So Answers: r-%--4~-:~ R. Thomas Kline 09/15/2005 STEVEN HOWELL me this :J,7y day of By: ~~~ Deputy Sheriff Sworn and Subscribed to before A,D. In The Court of Common Pleas of Cumberland County, Pennsylvania New Cumberland Federal Credit Union VS, Maeng C. Johnson et al SERVE: Walter L. Johnson No. 05-4463 civil Now, August 31, 2005 , I, SHERlFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Dauphin County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. .~~~~ Sheriff of Cumherland County, PA Affidavit of Service Now, , 20_, at o'clock M, served the within upon at by handing to a copy of the original and made Imowl1 to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before me this day of , 20_ COSTS SERVICE MILEAGE AFFIDAVIT $ $ @ffb::e of tlt~ ~4~~iff William T, Tully Solicitor Charles E. Sheaffer Chief Deputy Mary Jane Snyder Real Estate Deputy Michael W. Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 17101 ph: (717) 780-6590 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania NEW CUMBERLAND FEDERAL CREDIT UNION vs County of Dauphin JOHNSON WALTER L Sheriff's Return No, 1550-T - -2005 OTHER COUNTY NO. 05-4463 AND NOW:Septernber 2, 2005 at 9:07AM served the within COMPLAINT upon JOHNSON WALTER L by personally handing to DEFENDANT 1 true attested copy(ies) of the original COMPLAINT and making known to him/her the contents thereof at 1527-1 LOGAN ST HBG, PA 17102-0000 NOTARIAL SEAL MARY JANE SNYDER, Notary Public Highspire, Dauphin County My Commission Expires Sept. 1,2006 J7:~ Sheriff of DaUPh~l!:f::.- ' Byf!1~ Deputy Sheriff Sheriff's Costs: $26.25 PD 09/01/2005 RCPT NO 210188 Sworn and subscribed to ,efore me this 7TH day of SEPTEMBER, 2005 ~A/ EMBREY D NEW CUMBERLAND FEDERAL CREDIT UNION, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA V. CIVIL ACTION ~ LA W MAENG C. JOHNSON and W ALTER 1. JOHNSON, DEFENDANTS NO. 05 - 4463 CIVIL TERM PRAECIPE FOR ENTRY OF DEFAULT JUDGMENT TO THE PROTHONOTARY: Please enter a DEF AUL T JUDGMENT against W ALTER L, JOHNSON only for his failure to file an Answer to the Complaint s~rv~1 ~'Wtember 2, 2005 by the Sheriff of Dauphin County as shown on Exhibit "A_I".:I:A Notice o'fIntention to Take a Default Judgment was filed on September 26,2005 and served using a U.S, Postal Certificate of Mailing by first class prepaid postage on September 23, 2005 as shown on Exhibit "A-2". No answer or response having been filed with the Prothonotary as of October 20,2005 please enter a Default Judgment in the following amount as of October 21,2005: Count I Interest Count II Interest Fees $ 4,739,15 $ 127.92 (11.99% Per Annum Since August I, 2005 at $1.56 Per Diem) $ 6,748.81 $ 256.66 (16.99% Per Annum Since August 1,2005 at $3,13 Per Diem) $ 360,00 (Legal Fees Expressly Recoverable Under Contract) $12,232.54 plus all costs Respectfully submitted, By: /': even Howell, Esquire Howell Law Firm 61 9 Bridge Street New Cumberland, P A 17070 (717) 770-1277 Supreme Court ID 62063 Date: October 20, 2005 -:--- ~~fite of tlp~ ~4:erid William T. Tully Solicitor Charles E, Sheaffer Chief Deputy Mary Jane Snyder Real Estate Deputy MichaelW.Rinehart Assistant Chief Deputy Dauphin County Harrisburg, Pennsylvania 17101 ph: (717) 780-6590 fax: (717) 255-2889 Jack Lotwick Sheriff Commonwealth of Pennsylvania NEW CUMBERLAND FEDERAL CREDIT UNION vs County of Dauphin JOHNSON WALTER L Sheriff's Return No. 1550-T - -2005 OTHER COUNTY NO, 05-4463 AND NOW:September 2, 2005 at 9:07AM served the within COMPLAINT upon JOHNSON WALTER L by personally handing to DEFENDANT 1 true attested copy(ies) of the original COMPLAINT and making known to him/her the contents thereof at 1527-1 LOGAN ST HBG, PA 17102-0000 ~ So Answers, :;f~ Sheriff of DauPh~~ . Byi!1~ Deputy Sheriff f's Costs: $26.25 PD 09/01/2005 RCPT NO 2l01BB Sworn and subscribed to lefore me this 7TH day of SEPTEMBER, 2005 NOTARIAL SEAL MARY JANE SNYDER, Notary Public ! EXHIBIT I'- Highspire, Dauphin County My Commission Expires Sept. 1,2006 . I A-\ EMBREY . ./ - \....I v NEW CUMBERLAND FEDERAL CREDIT UNION, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA V, CIVIL ACTION - LAW MAENG C, JOHNSON and WALTER L. JOHNSON, DEFENDANTS NO. 05 - 4463 CIVIL TERM (') '" 0 = f::: = -n OJ' V j-: V) ::;:l rn , i r-r; iT! -n -'0 p' {/: i N ~~~~ ,~ C') '<'. -[1 ;: "''' ;! '- :1: c::S )> E~ ~ rn W ~ 5J {..n .< TO: WALTER L. JOHNSON APARTMENT 1527-1 LOGAN STREET HARRISBURG, PA 17102 DATE OF NOTICE: SEPTEMBER 23, 2005 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 MAYBE 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 MAYBE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONA AT A REDUCED FEE OR NO FEE, Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 (717) 249-3166 ! EXHIBIT . I A -?" // -../ Respectfully submitted, /'" // / By: Date: September 23, 2005 Certificate of Service I hereby certify that on the date set forth below a true and correct copy of the foregoing document was served upon the party/parties set forth below by postage prepaid, first class United States Mail addressed as follows: W ALTER L. JOHNSON APARTMENT 1527-1 LOGAN STREET HARRISBURG,PA 17102 Respectfully submitted, .///. / St n Hell, owell Law Fi 619 Bridge Street New Cumberland, P A 17070 (71 7) 770-1277 Supreme Court ID 62063 By: Date: September 23, 2005 U.S. POSTAL SERVICE MAY BE U~,.,~ PROVIDE Receiv ,\.\..(-1 -, . y .......,...- -~ _ Ul (""I c: ""-,,,- rn '" . g,.,.--.,- :D"'O_~'"tI~ Nt:=) ~N--..l :D C1l cwo::t:--U It. ..... z. __00 oo~ -I.-r Ul be=> ~ ~ :ri 00 ~ ~ One piece of ordinary mail addressed to: WAl.-TEQ l "JOI-IN$ON AI'.A-l1--i"l"\G:.IIT 1.2 ~ - I L,)(..AAI rT~~ .T HAt2.tz.I<:' r.,,,.a Co fA 1..10'1.. PS Form 3817, January 2001 \;3 it ..J~:~ _. c:;-- , ...J ~d"~A ~ ~ \ ~ 1"_1- ,- : ',,:.~-1 C:':> , r<:;' --' ;;-.'-\ \:^) c..;, CUMBERLAND IN THE COURT OF COMMON PLEAS OF XlOOK COUNTY, PENNSYLVANIA CIVIL DIVISION NEW CUMBERLAND FEDERAL CREDIT UNION Plaintiffls) File No, 05 - 4.63 vs NOTICE OF FILING JUDGMENT WALTER L. JOHNSON, Defendant(s) (XX) Notice is hereby given that a MONEY JUDGMENT BY DEFAULT FOR $12,232.54 in the above-captioned matter has been entered against you in the amount of j.) J.6'l. -~ on JA-rA.w" /7 ~a:cr- , (XX) A copy of all documents filed with the Prothonotary in support of the within judgIDent is/are enclosed, by: If you have any questions regarding this Notice, please contact the filing party: NAME: steven Howell. Esquire 619 Bridge Street New Cumberland, PA 17070 ADDRESS: TELEPHONE NO: (717) 770-1277 ID 62063 (This Notice is given in accordance with Pa.R.C,P' 236,) Notice sent to: NAME ADDRESS WALTER L JOHNSON APARTMENT 1527-1 LOGAN STREET HARRISBURG PA 17102 NEW CUMBERLAND FEDERAL CREDIT UNION, PLAINTIFF IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY PENNSYLVANIA V, CIVIL ACTION - LAW MAENG C. JOHNSON and WALTER L. JOHNSON, DEFENDANTS NO, 05 - 4463 CIVIL TERM PRAECIPE TO DISSOLVE WRIT OF ATTACHMENT AND EXECUTION TO THE PROTHONOTARY: On motion of the Plaintiff, please dissolve and withdraw the writ of attachment and execution regarding any funds on deposit at Commerce Bank, N.A. in the name of Walter L. Johnson and/or Maeng C, Johnson, Respectfully submitted, Date: January 9, 2006 N (':J ~ ~ t ~ () ~ 6' () <-) "Tj ~ -v ~ F -~ ~ \$I .'...... -- ~ C) i? - - '--< _.-- ~ .. (,) -, ~ SHERIFF'S RETURN - GARNISHEE CASE NO: 2005-04463 P COMMONWEALTH OF PENNSLYVANIA COUNTY OF CUMBERLAND NEW CUMBERLAND FEDERAL CREDIT VS JOHNSON MAENG C ET AL And now DAVID MCKINNEY ,Sheriff or Deputy Sheriff of Cumberland County of Pennsylvania, who being duly sworn according to law, at 0015:48 Hours, on the 28th day of December, 2005, attached as herein commanded all goods, chattels, rights, debts, credits, and moneys of the within named DEFENDANT JOHNSON MAENG C , in the hands, possession, or control of the within named Garnishee COMMERCE BANK 20 NOBLE BLVD CARLISLE, PA 17013 Cumberland County, pennsylvania, by handing to LARAINE HOLLEY (ASST BRANCH MANAGER) personally three copies of interogatories together with 3 true and attested copies of the within WRIT OF EXECUTION and made the contents there of known to His . Sheriff's Costs: Docketing Service Affidavit Surcharge .00 .00 .00 .00 .00 .00 SOJf~-n_I:~e R_ Thomas Kline Sheriff of Cumberland County 12/30/2005 Sworn and subscribed to before me (> this J() - day Oy,.ii~J 2c~c A.D. ~ k- protho~rY/ - By ~. / ~ ~ '7. .v;>t--)1..A7 Deputy Sheriff SHERIFF'S RETURN - GARNISHEE \ CASE NO: 2005-04463 P COMMONWEALTH OF PENNSLYVANIA COUNTY OF CUMBERLAND NEW CUMBERLAND FEDERAL CREDIT VS JOHNSON MAENG C ET AL And now DAVID MCKINNEY ,Sheriff or Deputy Sheriff of Cumberland County of Pennsylvania, who being duly sworn according to law, at 0015:48 Hours, on the 28th day of December, 2005, attached as herein commanded all goods, chattels, rights, debts, credits, and moneys of the within named DEFENDANT JOHNSON WALTER L , in the hands, possession, or control of the within named Garnishee COMMERCE BANK 20 NOBLE BLVD CARLISLE, PA 17013 Cumberland County, Pennsylvania, by handing to LARAINE HOLLEY (ASST BRANCH MANAGER) personally three copies of interogatories together with 3 true and attested copies of the within WRIT OF EXECUTION and made the contents there of known to Her . Sheriff's Costs: Docketing Service Affidavit Surcharge .00 .00 .00 .00 .00 .00 S~~~ R. Thomas Kline Sheriff of Cumberland County 12/30/2005 Sworn and subscribed to before me this It ~ day OfC.)i!uu) J"~o(. d.D. . ~ protrron~3 1 By 71;,/ " /f .i~ ' ~J ~ fi/Y'/VJJlr- eputy Sheriff . Thomas Kline, Sheriff, who being duly sworn according to law, states this writ is returned ST A YEg:Wi~l~f,Ot;; T,1~g0 ~.~i,E,~! F(. Sheriffs Costs: ZOO) , Advance Costs: . DEe 20 A '1: sd'heriffs Costs: 18,00' 1.70 Docketing Poundage Advertising Law Library Prothonotary Mileage Surcharge Levy Certified Mail Post Pone Sale Garnishee Postage TOTAL 150,00 86.48 $ 63.52 .50 1.00 4.80 30.00 20.00 Refunded to Atty on 01/11/06 $ 9.00 1.48 86.48 , Sworn and Subscribed to before me So Answers; r~lL#~ A lhomas Kline, Sheriff UQu&,,,--,~#~ . By Claudia A. Brewbaker This Kday of CA'-'( 1 2006/& /2~ Proth " "c \~ o ~ , .!:. -t. ... 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