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MEMBERS I ST FEDERAL
CREDIT UNION
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
Vs.
NO.: 0' - ). 6~1
~
WILLIAM K. LEONARD, JR.
DEFENDANT
: CIVIL ACTION - LAW
NOTICE TO DEFEND AND CLAIM RIGHTS
THIS LAW OFFICE IS A DEBT COLLECTOR AND WE ARE
ATTEMPTIING TO COLLECT A DEBT OWED TO OUR CLIENT. ANY
INFORMATION OBTAINED FROM YOU WILL BE USED FOR THE PURPOSE
/1 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 byoentering a written appearance personally or by
attorney and filing in writing 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 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, PA 17013
(717) 249-3166 OR (800) 990-9108
MEMBERS I ST FEDERAL
CREDIT UNION
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
VS.
NO.:
WILLIAM K. LEONARD, JR.
DEFENDANT
: CIVIL ACTION - LAW
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 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0
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 0 notification y por cualquier queja 0 alivio que
es pedido en la peticion de demanda. USTED PUEDE PERDER DINERO 0 OTROS
DERECHOS IMPORTANTES PARA USTED.
LLEVE ESTA DEMANDA A UN ABOGADO INMEDIATAMENTE. SI
USTED NO TIENE 0 CONOCES UN ABOGADO, VA Y A EN PERSONA 0
LLAME POR TELEFONO A LA OFICINA CUY A DIRECClON SE
ENCUENTRA ESCRlTA ABAJO PARA A VERlGUAR DONDE SU PUEDE
CONSEGUlR ASISTENCIA LEGAL.
CUMBERLAND COUNTY BAR ASSOCIATION
2 Liberty Avenue
Carlisle, P A 17013
(717)249-3166 or 1-800-990-9108
nuu_-i
Karl M. Ledebohm, Esq.
P.O. Box 173
New Cumberland, P A 17070-0173
(717) 938-6929
MEMBERS 1 ST FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
Vs.
NO.:
WILLIAM K. LEONARD, JR.
DEFENDANT
: CIVIL ACTION-LAW
COMPLAINT
AND NOW, comes Members 1st Federal Credit Union, the Plaintiff in the above
captioned matter, by and through its attorney Karl M. Ledebohm, Esquire, and makes the
following complaint:
1. Plaintiff, Members 1 st Federal Credit Union ("Members I sf), is a National
Federal Credit Union having a principal address of 5000 Louise Drive,
Mechanicsburg, P A 17055.
2. William K. Leonard, Jr. ("Defendant"), is an adult individual having a last
known address of 45-439 Keikikane Loop, Kaneohe, Hl96744.
1
3. On or about July 6, 1992, Defendant executed and delivered to Members 1st in
Cumberland County, Pennsylvania that certain Open-End Credit Plan (the
"Credit Plan") having an original loan limit in the amount ofTEN
THOUSAND AND NO/I 00 DOLLARS ($10,000.00). A copy ofthe Credit
Plan is attached hereto as Exhibit "A" and made part hereof.
4. The Credit Plan has never been assigned by Members I " and is still held by it
as a valid and subsisting obligation of Defendant.
5. Pursuant to the terms and conditions of the Credit Plan, minimum monthly or
bi-weekly payments in the amounts set forth on the Credit Plan corresponding
to the then outstanding principal balance due under the Credit Plan.
6. As a result of draws made against the Credit Plan, the current principal
balance due under the Credit Plan is $8,943.11, which balance obligates
Defendant to pay to Members I st minimum bi-weekly installments of
principal and interest in the amount of at least $104.00 or minimum monthly
installments in the amount of at least $225.00.
7. Defendant is in default of Defendant's obligations under the Credit Plan as a
result of Defendant's failure to make the payments due to Plaintiff as set forth
in the Credit Plan.
8. By letter dated February 24, 2006, addressed to Defendant, Members 1st
exercised its rights under the Credit Plan and accelerated all amounts due
under the Credit Plan and demanded the payment of all amounts due under the
Credit Plan. A copy of Plaintiffs Demand is attached hereto as Exhibit "B"
and made part hereof.
2
9. As of April 3, 2006, Defendant is indebted to Members 1 st in the amount of
ELEVEN THOUSAND THREE HUNDRED SEVENTY SEVEN AND
54/100 ($11,37754) dollars itemized as follows:
a. Outstanding principal
b. Interest to April 3, 2006
c. Late charges
d. Attorney's fees
e. Total due to Members 1st as of April 3, 2006
$8,943.11
492.18
56.25
1.886.00
$11,377.54
Legal fees are estimated in accordance with the terms and conditions of the
Credit Plan. Defendant will owe to Members 1 st its actual reasonable legal
fees as of the date of payment of all amounts due under the Credit Plan subject
to any limitation set forth in the Credit Plan.
9. Defendant also agreed under the terms and conditions of the Credit Plan that
in the event of default there under Defendant would pay, in addition to the
amounts set forth in paragraph 8 above, costs incurred by Members 1 st as a
result ofthe institution of these legal proceeding.
10. Defendant is also responsible for the payment of interest from April 3, 2006 at
the rate of$3.0015 per day.
11. As set forth above, Members 1 st has made demand upon Defendant to make
payment of all amounts due to Members 1 st under the Credit Plan and, as of
the date hereof, Defendant has failed and refused to make payment of all such
amounts due to Members 1 st.
3
WHEREFORE, Plaintiff, Members I st Federal Credit Union, demands judgment
against William K. Leonard, Jr. in the amount of ELEVEN THOUSAND THREE
HUNDRED SEVENTY SEVEN AND 54/100 ($11,37754) dollars plus interest at the
rate of$3.0015 per day from April 3, 2006 through the date of judgment entered on this
complaint and at the legal rate thereafter and costs of suit
l/<3'-U 0
arl . Ledebohm, Esq.
Supreme Court ID # : 59012
P.O. Box 173
New Cumberland, PA 17070-0173
(717)938-6929
Attorney for Plaintiff
4
II..U Lv LVVV VL.' 1'" ILl lll;.LlUl;.I\u loJL VVL.l...LVJ IVL10J
I I I I 0-... ",c. u 1
l , UC.I UU
OPEN-I!ND CREDIT PlAN
D,::FCN'3L ~\C ITVI 11Ei8 n,::DLRHL c:t;.,;IJI U!\:::I
S,,:7:~ H"'l5T TR!I\lDUi. Rm.m
MECHf:)NICSaWf~G~ j;:'~l J. ;r~)5~':i
Thl' Open-end Credit Plan It a qulclc al'llf conwntenl way for VOl.! to
obtain a loan whefl ~u need II. Once your appIlcatlon II apprOv8d the
credit union wIll _igtl you a CI1Id/t Ilmft WhIch' you may lw~ ag5lnlll.
AdvanCH msv bit led for I:lV ..~, mall 01' in person,
MfIo'lIWlNAM~ D/lTI!OI'BlRTH
HOW TO APPL V
1. AThlf rwlNlno the disClosure .llIement. oompl" Ihe 1n81ll1l1lCe
)l" lIPPIlcttlOll bfIIow to INlul'e your aooount.
2, Read eM credit and MCtJrlty agfMmenta on the I'evefMIlllldll, sign bMow
and rMUm part 1 to Ihe OAIdh union
3 Your loan wi. be prooeMf:ld by 1M CNdIt uniOn. You will be noIlfled Of
Ihf _isIon and your Cl'lldillimit, if approved.
. ,"" " . (,' i '>..,.. '"' " '''','' i'" ':"~
112686
DA """'"
,-,19
'"""''''''''''''
U~:ONt~RO JR..
WILLHlM ~C
11)-:[ 'J
J -=-./, ~
HOW TO COMPUTE HIE PfNANCIi CHAftQI!; The F1nanca ChlrDI it the Mnl COlI 10 you 01' 0biI1n1ng 0MdII th~gh thll credIl plan. The FlMnoe CNitQe beginI
10 1QCl'\If:l 00 the dale of tICh advance and IIQCl\JeI fllf emit day m. bflltlnce remeIm unpaid. ThI unpakl prtndpa/ bBIllnCle for MCtl clay Is multlpllld by IM_
I*'iodlc nrte to dMIrtnIlM .... Finance ChlW;. I lor Ut<<I day. The SlIm of thltw dally ctwgM .. IN """"010 Cl1l111Vl1 you will ~y. The unpaid prlncip8I H!l,naI I. !tIat
balM(lf wnlch IlIl" your lIIICOunt II thf:l dOf:le of IqInMI; . IIllrtnsec::tIonI, Includi!'lg payment! and I'IlIW borrOWII'IgII. hive been 1nMtl1lll
,~':l!l,-:A' ,~f',,~'''':;;~.l \!~I'~ ;'!i~'<:.'\ ~ I ",,,,,,,,,,,, ; ;'CAEOfT PlAN' AAtI :"'~')~l,,,~' ",'IE",' 'n" /1'1{; ':. "-"<....,' ;)\ i.~:;.'\.)~ ,;1 ~':~\11 ::i'li -~, '''.\'
O,ldLY ANNUAL MINIMUM PAYU!!NT
TYpe Of TR"NSACTION PERIODIC PERCENT AGI
IlATE RAn
Personflll SttY'1oe Loan (PSL)
SEE IlEi.IlW
Uomtt-end ...... ~~ PIIymtnI
i 1. (l(lu';'1;4 PoltowlAa toen UnnH MonttaIY.........
$7,SOO,01 to $10,000.00 S22!5.00 $104.00
16.000.0' toI7.!500.OO '11$.00 $81.00
$3.000,01 to $6.000.00 '130,00 $60.1)0
a2,1!IOO.01 10 $3,1500.00 195,00 144-00
$1.000.01 to 12.&00.00 $7.!1.oo $30.00
. .01 to $1.000.00 $60.00 f24.00
'(O\jr Ilrlll peymanlltl .. and ~b" on the 28m of the month lolIvwing me daI8 of loan ad'If.r1Ca. The requirad payment 0flIV cMnQlt at morrIhend 1oI1owlnq an
iIltII"rIOf. ThI8 new payrrwnt "mount II <hit on the In. due daM In tIMi month loIIOWlng thI a:Mnoe ~ 10 the p.VIT*lllNquenOy NItcted. The prIIYIOUI
payment I' .un (jufI during 1M monlh in which ltIf:l _ance occurs, Tharhft&r, FMlyment It doe KOOfdIng to the payment hqLlf:lnOy you haYI sallclad.
The Annual ~ AlII ("PA) may lncrnH or dacnut on .... fIrIt dey 01 each month durlng the Itnn 01 the !hit tr....xlon It the hlgt'lllt Prlme ACt .
publilhed In ltIe W-. B11'11ll1 JOUrnaIIflcr'NMI or deCf..... The APR wW tlf equlll to lh1 highl<< Pm. Rill .. putll/t;htd in the Will! 81m!: Joumal on 1M .,
businel& day of !hi provloul month plut 3.4%. The APR will naYet ...oeed 21% or nwdmum ~ by t.... wh~ ia lea. TIMl APR will never Of .... tI'Ier1
11"'. My lncrwU8, In the A~R will rtiYllln mote plyIMntI c:lltllt 181M 01' If:lMor amount.
LATIC~: lfaPt)'mllnlIsI.by'Odayllor~,yOu"lIIbachlrgad5%ofthl!lpaymtl'lldue,
OYIAUMll CtlARCI~ You wHIM ChIraed 11'I over..tho-imlt chIIvI of _.00 If ~ ~ . Joen chfIlldvanee In not8I of your assigned Cfedlllimll and IhI
1Oanchfr.IIN1U1'~to)'O\A.l,lnpM1, 1'fiIIfHwIl1lf:llcldf:ldlOyOuflolnbelanca.
OYIII:OItVT IIItOTICTtONI If you requa.t ovardr8ft JlfCl*tion, any QVfrdnrfls on your.tIara draflaooounl will be eIl.gad IQIInltl your unetCUl'lld credit limit and
will bllWjK! to lhl nnal'lOllllhal'Ql WIkl.bIe to your uftNcutIcl ~nt.
1IIfrNIU. MWANCE: $100.00
I h8ltt t'Hd Ind ~ the term8 and COndiUoml of me Open-end Credll and SecurlIy Agl'Hn'l8ntI (on .....,..... lieft} ,nd aGknowledge recelpI ot the
0perHnd CrIdI j;)Ieo'" Inoorpol'lllWt as 1*1 at !his egrwenwtl'It, IlCIInowtffdge recelpI of I CDP'I of thlt agrHITlII'lI:.
...." "1~SIQH~T1JAE~,,""uc.uI.Il DATE ,L
X . ~,
0.0.J-O.lJi'
t
: '!;~ ".,' P;Cl'~ 1 .l~"lcv"hm\'f 'a ~~l' .t"~
The ~btor '* ~'10 The Mlnnuota MUtual Ute Insurance Company for the C0\I4N1Ig8 dworibed b.Iow and thai statement. made by
th, dtbtor are ~,tatklM end ....true 10 the beet of thedebtor'fl knowltdge.
ov.{] No For dilabllity insurance to bII tffective tht following que.tlon muet be &n8WJf'8d. Are you OlIrren1ly galnfull}l empfoyed
on II hJlt-Ilme basis fOl . minimum of 30 haU", per week for 14 days Immediately prededlng the date you became
IndetUd to the Creditor?
Do not.... _......... "" _no ony b1onk_.
This epplklflltlon it void and wtll not -be U88d In B contest If all !:>tank spaces haw not been campleled, the debtor haS nal sigMd el'ld
dfllted the app\klati<Jn and If the appIio.tion hU not been witne888d.
Thlli lneurance Is voluntary end Is not . ca~ltlOn for appnwll of this loan.
SCHl!DUL!
CN!orrL.WI.~Qr'NPil'ollcyNa.'
CA!tJrt OIWtLm' INS GIOIIP PtWIy Nfl
MAlCIKllllMONTl1l,.v4lS.WlII"YlleNIll'IT'
OOYtJllAt1ll! I'II!!QUUTIll:)'
27 ::::v,)....GMAlOIoWIIlI LONl Ml'~VliIlNT P8A1Qll;
~;4F.,l..:l2-,G
~ 500 OIWIUTY WNrINCi I"efIIOI)
240
UFIi IN&UfWCIIiWClMliM:
1;':',
't,300(llj
J'~ r,,",y'O
~lIiow.MllLllVlI9ll<FTT
'l'ES
I ~T1JfIIi: (JOINTOEiTOAIIIGN ONLV F SEL.;cTlfoIQ.IOlPtT URi
''''
'"' I
IrMlIlllMA
HOW AFIE CRl:.orr INSURANCE pR~IUM8 ~'T!t)i;",~,..,. _"I' c,.,.", : .,,":;','l," "t:." ',"'~
Each lima you 1ako an advlnce on IlO Insured account, the JlrojacUld lel'nl of tile IoIlO from Ihll datelOrNard II dlllel'lTl1n1Q tJaMd on thI new 10llfl balance. lhe
mlnin'lum monthly payment and rhe If'!tf:lre!l rate being chargf:ld. Th& pr8ll'liurn raut in Itle achedule aboW lor 11M! term of Ihe loan Is Ihln used eaeh monII'I 10
calcullleyoorpramlumehlrOt.
The monIhly premium chl.rv- Is dfrIIrmlned by multiplying IhllI Jlramium rl1e t\n'In 1ne total rematnir'lg Pf:ll'lodlC IoSn ptymII'lIf:l.
FCIl' example, it rn. tem'I 01 your loan II 12 months, the p~mium r$le, peN" 1100.00 of remaining payment&. il: 31. 1:\
llyour monthly lOan peynwnt 18$50.00, 1M premium clW9f:l in the month when 6 paymen1! rerrtl.Wl wMl be .31. a x 8X!lO + 100 =0. '35 .
If your IoMl paymenl is gruter than the ~m moMNy In!Ursnce benefit, only ItIe Insured portion of your PI~ will_ be ua&d lor oatculati/"IQ 1M monthly prllft'llUm
chuge&. T~ aFnl)l.lnts you a,. chargacllor insurance premlumtl w1P be shown in your periodic stalamltflta lrom ml creditor.
T"rm In Premium Tlrm in Pnmium Tefm in PremiUm Term in Pr"",1um T..-m in Prwnlum
~~~~~~~-!!!!- rnoNh& ~
i::;:3
~,l.. ,:..~(,
..-..') , ,:::2't
24
JO
36
4c'
-lti3
~O.219
$0.192
!!I<::'.174
$(1.16.0
1.(1, L4'l
$')" 1 :~'3
6(;
S6
7';;.1
'/8
M
'JU
~O. l::"'<.~
$0. .li2b
't,0. ,21
~(l. 1:1.E.
!t.l/. .ll~'
"(',\"'1<
b
1
t~
'J
$':'. '+]':t
1;(1. L,'.)4
1i(l. ;38'::';
't51..'. :.:;63
$0, ::H"I
$0.333
1"::
13
li,
L5
lb
1-,'
'1'C.:\. ;:i18
'1>0. ,]1)/;
,!.o. ':::'~-J.3
$(l.282
$1). ::;:!/~
'ttO.i".::b5
HI
1 'J
~J 1:"36
'!OO. ':::4'3
'!>('. ":::/12
~~ 1
$O.~35
,il)
""i;'
11
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~,f1f,~~.1tS1
EXHIBIT ")l."
~~
__....._f"'IWI'I
rLU c.~ LUUU Uc..' l'"t III
IJClIUCl\oJ 10.1 I VULLLV IIVlhJ
! 1 I I v.......l:.V!
J, U'1/ VV
IN THESE AGREEMENTS, TI-tE WORDS. "I." "ME," "MY" AND "MINE" Will MEAN ALL PERSONS WHO COMPLETED AN OPEN-END CREDIT
PLAN APPUCATION, THE WOF\DS "YOU," "YOUR" "ND "YOURS," WlL.l MEAN THE CRE;DIT UNION.
eMDIT AGAEEIIIN-T
I agllle to thelerma and condItione or Ihle l;reemenl and llny Mute
amenclmtlm. therlflO, and, promiM to ~ yoU' 1I1'lmoums dUG.
Actdnc..: I oodarstand 1M! I may otltIIn 10M ldv8noetl und4lf this
Opa~"q Credit Plan _~ Gne 011hf:l following m8l1'tod3:
1. WI'illngaPt&i1r1nlecllfta/1ldr.ttttlatyou..-i" supply 10 mil:
2, reqUHling a loan tclW'1ItICfI1n, person;
3 rtqulllCing. lean Jdvanee by UN at an automated teller rnacnlne;
4. U&9 of an IIUlom81ild lollor ",act1lne;
5. use 01 aucliO response syatarn (HEAe);
6. by ~aphone;
7. wrtting. preprlnted iOllIn dnllt thJII you will supply Ia 1M.
I agrw InallOlln 8/Ml1P& IM'ldtrtl'l. epen..nct Credit lIgrHlMnt oe.n
only be req.....ecI by me_ or llfIY aulhorlzad UlIIf of the Icaftll deYloe
limed~. An lIdvance talcan by any -..thoriUd ~ of I'" .-ooess
devloes Usted a~ snail bII 811a1M .. an actwanoe tIIk8n ~ me. I
un~"'and that-1II1 MtYat'\ClfN-muIt bet meda for good purpoee. You
reMMI tne rlghllO I'IIfuH to make tn,. IKMlnoe wIlhout affecting tJwt
lIablllty 01 any Cl)oRl,Nr.
lIuture Aocna DevleH: My'appfk:ation f04' thit C)pIn-end Crtdn PIIn
Mrvft as a reqUlllt 10 ~v, any new 8CCft8 cleYce, wffilltl mI'j' be
a...allal:ll, II some luIura lime, I ul\derttand tI1at thle r*l....la VOfuntary
and s~ ,!U ~1usaI al rM tlm,: _ny oIth~.. nllW ikloese (jevIcU ate
offitNdby'Wu. I funhar IIndtti'1n~'ihtl tne-teriTla and Qonditlona of this
Open-end Cridltftn will gciMi'fI'ttny loin ~8ncIIs made with these
MW~dtv\cea. ,
CMdM_L1rn1ta:, AdvancM again. my open-end oredll p"n wil! at no time.
In lotlJl,-lI~ lhe limit -UtiQned 10 me by you. AdviSlncII!tl on 88Cu~
Ioene win cIepentt on the ...allM 01' te(:l,1J11y orhlred -at th. tltTMl of each
...."'"
~: The mlftlmum payrntnt it shawn ln the dltlc...,,. ttetement.
Tna mlrtmum payment and diJe dIM Will be HI McI discloeed on my
lIat.me[ltof lIC(:OUM. The ~menl Ind due dlllll dillCkMad will be based
dn,tnepaymMtt frequency iIIrOet8d by 1M and the amounl of my
OIMlancllng balance at thtI end 01 1M month In which an advance Is
mad.. My mil'llmum peyment will not'tltwlga UtlIeea I ~ addIIIoMl
adv~.or filII tt:l k.ttp rfly agnIerMnt, I m-v ~ the er<<lil beiance In
full or In part at.~ time without peneIty, HOW\/M. n\ir'llmum ptriodic
:~ at. I'tIq red 011 ..,h bWlllOOOlJnt ..long .. a"'Y bllanoe
Crwdlt Il'I8Ut1Ince: If I choose \/Oluntary credh ilia ant;l(or cllI_bllily
lnfIuranc:e, the PfIH\'Iiul1\illl for .uch CCMtI"-IIge will be added 10 my
outsltlndmg balance_ H I'"do nQf mak~ IIny pllyment wl10n duo, yell ml)',
III your option. canoel such ooveraga. You al~ hllve mil opl:lon oj paying
me Insurance pramlumc ancl adding 1h,m to my outstanding balanca
whe... they will be subtKtlo Ihe annual porcantage rate dl!lC\osed.
DtfMl,,: If 11.1110 make sny pllyments. or do noIll'l88l atly 01 th'
CCltIClllioneof this- cr.dlt-agrHmllnt or Iny oIh&r agreemenll n'IB~ with
you regarding thiS credit phm. tMn you may, at your opttoJI, d8cIare this
.fICCOl.IOt to b& immedilltlly due mtd PoIyab!e. I mUll PlY to you tt that
~ma Itll!l tOl.lI ~it1 bIIl.nee, IIIl well as the Ananea Chargo 10 dale and
any oostll of oollf:lCllon. Including I'U8Ml.ble .ttorney's fMs, thlll yoo mat
Incur. up to.2OIMI ,Of tnf:l unpeld prtnolpQI and IntttMt.
_",~ii:'I/i/l"iiI.loiWhbl~,w'.l'ii';;.hOngiilh my
nama, acldreea or employment, I promlaa not to' apply fOr an lIdVanoa III
ImIJw tl\llrD .. a reuonatlII probtblntY that I wID be unable 10 l'8pey my
Obligation eccordlng 10 IMllenna of die credtl-it1ctaO$Ion. I promIM 10
inlorm you of llIny new informetlon which r.lat&l to my ilIblhly to rePlY my
obIIaetion. lpromi.. ,not to eubmll false or inacc1.lr<<1t if\Jonnation or
willfully concftl inforMatIOl1 regarding ntyCreditworthfnaSs, credit
tl.;I'la~\), OrGnldllcaj:>acftY.
~'. lNlbllty: At timea. you m~ ad'Yanot turns under this
agreemenllO mortt than one paraon, MCtI of whom has s;gned Ihis
IIgI'WITIfIDI. -All persons oelled CooMak...... !ICI"" to the Ionowln;;
1. Thllt thtl terms "I." "me." :.;:;r;" and "mll'lll" iIfJPY to all of them
.2. i:r:.e:: ~~:a~illbl. M this agreement 10 fulfill .11 of 11$
3 That 'ach 01 thorn ill named the agent of the otNr lor tI'I. purpolle
of applying lor .nd ree.lYlng loan t!:lv8l1ces under the agr..rnent
now and in the luture.
4. Thai any ootlca, n\lIIiled 10 OMl Iha" be considered notice mall&d to
all,
I oodamanc:l thai I may ren'lOY' myl!lelf from mponaibllitY as Co-makef Al
any time by noOlyIng you In wrillng, Howewr, that daM not releaMITIfI
frOm any IillbillliMllllready Incurred.
ConttKtual PIadgH at~: I ptlKigII! all my shares and depoS1I1l in
the crwdit union, mcludlng Ml:irl addltiOr'!', a. Mwrlty lor advances
undar this 0pwI-end CrQdtl Plan, In cad t default you may apply Il10u
.hares and doposiIs 10 Ihe payrneM 01 aN .ulTl' due at the time of defaut!
~COMe-of ooIIeotion and~" aaomay:....... NO lien or '
Z 10 I~" . n'n on $hares and deposits shall :r~ any ol my
"K~ wPlan. ,r;tav bt "'-lClln an "lndMdual Retlremen ount" or
TltrmIneUOt'I: I undtrttand that )'OU may_ tltfminllte this cradll and
lIICurlty eg....m.nt undOl' the IoIlow1ngooonditions:
1. ,Upon ad\/eru 11I...,alu.n or my cl'ldttworthifleS$.
2. If I sfloula lall to me.! ltle terma of lhe agMnWntI.
3, At ITrf ~ion, or your option. with good CAU" and upon wrltttln
""'..
I understllnd ItLtl tflrmlnation will not affecl my obligation to pay ItIe
balal'lCfl olllslandlng Incurl'Od prior 10 noliet!l.
Addtdonal ~
1. lag.... 10 ptO\/icte you with II C",""", finarIClalslRlem9nl ,I IQ
=UIl:~~r::=~dYance win bet medii um~ yDlJ h'\'$ reviewed
2. In calli! any pnwlslor1 of this agrollmom 1* ""let Invalid for an, NIUOn
such delermlmmotl shall not artecllhe ram.lnlr'IQ pravililiOO$ ol'the
agre&menl. But the ag,..menl shitll btl enforced ss If such
provision was nBYer Included.
I admlllhall haw raoeIved a oopy 01 thi3 agreement, and that I
have fully read and undttratand aU of 11$ 19rms and conditions.
.. My signing and endorsing any chIocks or (lraf!a .tued under this
~....m.!"rI lIhowe, my $CQltptance of 113 Il!ttmS and condltlon/l.
Cheng. of T...ma: You may chel'lge II'lIll tarms of ttlis agreement at eny
lime. But you will give me written nollce of any CMng8 t11f:lMl15 days
bltfoffl the change takM efleel.
f4270\ 3IIl1
8ECUFUTV AGREEMENT
1 1 helllby agr.. to grant yoo a MCurll)' interest according to Ill.
Jll'Ovi$lons of the Unllorm Commerciet Code in .ny property pkldgad
as coU~1I for extension ol credit under this lQI'eement. The
oolllS1f:ln1l for ar'lY .dvaooe may also SlCUI't a later lldvaoce. If ao
dlscloled a1lhat lime, Thlli eecurtty Inler01 gwu'IIntfe$ that I will
repay tht &Umt advllnclld 1l'\Cl any COSh or expenNlllhat msy
b$QOme du' undM the ~ erecfit and ucw1ty agreemenls.
IDgeII\ft' with lhe &1atad Finance Charge.
2. I w1111'1Ol change the location ol, Mn or IllInsfflr Ihe collateraj unlns I
have your priQr written conaam.
3, I walTllm thall have good tltkt 10 the OOIlatellll. f1'H of IIII.cur'l1y
intMelltl el(cepI trial glven tQ.tI'Ie credll ul'llon.net excsp'llor any
Inlal'l8lolal'lOn-aJorriakerownarOftnllcolllll1Jl"lII.
4. I will pQy an tu.., ~, end IItl'\t avainsl or atIl1Chod 10 the
property deacrlbed, and fl.ll'tl* agree 10 kIlOI' 11\1 ~ In fiIOod
eondlllon and IIouMd In a suIlebltllhlllaJ_ tagre.to exec:ul.
"nll'IClnlillht1~ and MCurlty agreen'lltnlllmonclmentt tl your
~'and will defend tha propIrty .lnst adverS& third party
claims.
5. ! wID malntall1 irllulWlCt 10 cOYer any ""hide; (lr Qlhor properly in
whlch you ~ a lI8CUrtty lnl1lrUl, Thlllneur.nce will be In IIlorM
and an amount uiitlaclory to you. I will auppty you wIt_h prool oj auctl
Insurllnce untIL all aume l)W..,;I to you and MCurwd by tlTl5 property 8111
rap&id. If I fall 10 m8tnlaln such II'IIU"I1OI, you may, 001 .<<1001
reqUired 10, OJ:rhaIn In,Uf1If1Ce of yotIf own arid IIdd thfll 00. of 8uch to
the sums owed. This coat may bUr Imel9Stat the contraCI rale unIll
paid. ! further asalgn to you the right to recel.... In. procMdI (If IIny
Inlll.lf.noe on such property. and dTNot tny Insurer to pay thosa
proceecla dlrecUy 10 you, I authorize you to endonle any check or dr."
provided as !Nt procf:lllda of such il1$urance. and apply lhose proceeds
to the sums owed to you.
I further lIutf1or1za you 10 prO\/lcie vauf lneliranco Sel"tlce Cem.r wtth
the ftfIIOItNry Infonnll1lon for v<<il'lcatlon ,., 8(IIqWtI. QOV$rAoe.
I acknowledge Ihat Insu...~, or any extension thaflol, placM1 Dr you
l$wIlhol:lt tMtnoJll to ITIfIlndI\/lduaJly bUIlt prtmarilyfor lhtl ptOtIctiQnot
you.
e. You may meel all requirements for ~ 1M a nolioe of any kind it
you tl8nd It 10 me by means of United StatU mall. at my IUl gMHt
1Idd11lall. .
1. Any .-:ldilionaf advanoe! made 10 me tor 1M pa..",.." ol tlll's or
....8f:ll'I*'lttI or liMe of any kind, or premiums 011 aulhorf7.tlld
InIuranoll antt the Int<<ef:ltowlng ttlf.It8Ol1 shall allClbfll UCUI'Id bylttla
8grtNlfTlMl1,
8 II a defBun as delined in the credit agreom.nt shoUld occur, yOlll'le:Ye
the authority, upott auot't ~II, to rtpOellM8 and _lime coIlater.lln
a Iawlul. mennar. In auch CMM, you or ytMJr .uthorl.:cad
~nl8tMts may. at your option. aniII' 1110 preml... \WIffB tht
eonliel:al is kept and toke- possesslOfl, subject to applicable Jaws.
UnI8eSldeltlUn,lmaykMP~not.the~~iter.I)
_nbed."'"" ." .........un.n0ll..=. ,~~._c .y'.-
ap"'fnlOf''Mtrtl'itl~,sancy'~rfft -.'.~
thM yoo ,.,. oartilo t\gh!a and ~ rerntdl88 available 10 you under-
the Uniform CommlfoleJ Code and other ~ 11tWI, arid that you
may u.. thne rightllO oo/QrW payment if (ueflull:. In lhal "tn!, I
will at your r~u" ....mblll tM pmpany (colw.rllll) llfld makl it
!lvaillblt 10 you ala place al your chooeing. If you 9c~ 10 we"'"
rills defaul!, 11 WI" not: 001'1811101.' I WfIiv<< of any other altbtequllnt
defaultl.
i. You l1lre hereby appointed all my AttottIey-ln-Facl to perform any acts
which 'f'OlI fMI.,-e necaIICWY HI protect me COIIIlt4tfJI Ar'l(llhe ncuri!y
ifllere8t whICh lh. agra,menT crae.t...
10. If thel'llle mora tl'l4ln on. bOl'1'OWW, our ob/i(flt\onlI L1ndM IttIe
agrHlTllnl era )olnl and aav&ral, each baing eqllally Illsponeible 10
lutfill the tl,rmiS of the agr""","t.
1 I, This, MCUrtIy aoreemenl noI only Dindt me, but my eJl8CUlOn,
admlnistrat0f8. heirs and asalgns.
12. Should you flMtlIII Ilny tll'!'II ihal the MC:U~ted his diminished
In 'tllIUf:l, or for any othttr rMaOn leal that: IIl1Cul'lly is
required, I agree to 8lJSign 10 you within (to) daya w~r ac:kIttIol'l8l
security you feel is necesaary to prolect youraafl against poaslble Iou
13. I Adm" tf'lall have I1ICfIIved a copy of I"" open-end security
agreerMnt, tttall tmve fuI'V l'Hd alld und.m.nd all of ita lem1s and
oondltiona prior to my signtng.
14, M'f:, signing and andorllng any checks or (ltlfl, lUU<<f UnMr lhlt
AgrMmenl sntJws my aooeptIInC8 of its terms.~ cor'ldlllona.
6SOO '1/88
KARL M. LEDEBOHM
ATTORNEY-AT LAW
P.O. BOX 173
New Cumberland, PA 17070-0173
Phone: 717-938-6929
Fax: 717-932-0317
February 24, 2006
(Via Certified and regular mail)
William K. Leonard, Jr.
45-439 Keikikane Loop
Kaneohe, HI 96744
RE: Members 1st Account No.: 0000112686-01
Dear Mr. Leonard:
THIS LETTER AND ANY SUBSEQUENT CORRESPONDENCE FROM
THIS OFFICE IS AN ATTEMPT TO COLLECT A DEBT AND ANY
INFORMATION OBTAINED MAYBE 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, formerly, Defense Activities Federal Credit
Union ("Members 1st") has requested my office to collect the amounts due to Member's
151 under the above account.
As you know, you are in default of your obligations under the above account (the
"Account") evidenced by that certain Open-End Credit Plan dated July 6, 1992 having an
original loan limit in the amount of $1 0,000.00 (the "Note") due to your failure to make
the payments required under the Note in a timely manner. As a result of your defaults,
Members 15t hereby accelerates all amounts due to Members 15t under the Account and
the Note and hereby demands the payment of all amounts due to Members I st under the
Account and the Note in the amount of $9,531.23 itemized as follows:
I. Principal
2. Interest to 2/24/2006
3. Late Charge
4. Legal Fees
5. Total due to Member 151 as of 2/24/06
$8,943. I I
380.62
45.00
162.50
$9,531.23
Interest continues to accrue on the above obligation at the rate of $2.8790 per day.
EXHIBIT "B"
If you fail to deliver payment of the $9,531.23 together with additional interest to
the date that payment is delivered to Members 1 st within thirty (30) days of the date of
this letter, Members 1 st will have no choice but to file a legal action against you to collect
all of the amounts due under the Account and the corresponding Note 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 1 SI.
Nothing herein shall constitute or be construed as an agreement on behalf of
Members 1 st 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 st Nothing herein shall constitute a waiver of any rights or remedies which Members 1 st
may have under any written agreement or at law or in equity to collect the balance ofthe
indebtedness due under the Account without further notice, induding, 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 Mem bers 1 st to postpone or extend the maturity
date under the Note.
Members 1st looks forward to the payment of the $9,531.23 together with
additional interest to the date that payment is delivered to Members 1 st on or before
March 28, 2005.
CC: Stephanie McCreary, Collections Officer
NOTICE
This letter is an attempt to collect a debt.
Jt you dispute the validity of this debt, or any portion thereof, and you contact the
undersigned within thirty (30) days after receipt ofthis Notice, you will be furnished with
written verification of the debt; provided, that if a lawsuit has been filed against you to
collect this debt before the expiration of the thirty (30) days, the complaint filed in said
lawsuit will constitute written verification of the debt.
If you do not dispute the debt or any portion thereof as slated above, the
undersigned will assume the debt is valid,
"
If the original creditor of this debt is different from the creditor stated on the front
page of this letter, the undersigned will provide you with the name and address ofthe
original creditor upon written request from you within thirty (30) days ofreceipt of this
notice.
The undersigned means the name signed at the end of this letter appearing in print
at the top of this letter.
. Complete items 1 , 2, and 3. Also complete
item 4 if Restricted DeJJvery is desired.
. Pilnt your name and address on the reverse
so that we Can return the card to you.
. Attach this card to the back of the mall piece,
0.[ on the front if space permits.
1. Artlcl~ Addressed to:
C. Date
W llll' 0-.rY\ k, Leo rtQ.r'd Jr,
y s- L./:S9 I<e i KI' kQ.r1e Loop
Ka.()eohe, HI.. o,it/7-I.fi.j
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D. Is defivery address djtt~nt from Item 1? 0 as
If YES,9nter delivery ac;fdress below: 0 0
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3. Servlc'eTYP9
'Ji1' Certified Mail 0 Express Mall
o Registered ,txAetum Receipt for M
o Insured Mall 0 C.O.D,
4. Restricted Delivery? (Extra Fee)
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CER~IFIED MAil", RECEIPT
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'ebruary 2004
7004 2890 0002 8472 2524
Domestic Retu~ Receipt
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f\- Strea!, Apt. No.,:-- ___..h__on -. nh'_._}Q..C .~~. _t~
or PO Box No. y. j;:~ __! I' f_ V . J,.1 ~ L _ ') ''/ _m'U__m.u_~__
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VERIFICATION
I, Stephanie McCreary, Collectioos Officer for Members 111 Federal Credit Union,
bEoing authori%ed to do so on behalf of Members 111 FElderal Credit Union, heleby verify
that the statements ouule in the foregoing pleading /lJt true and correct to 1lu:: best of my
infol'lllation knowledge and belief. I understand that :false statements are made subject to
the penalties of 18 Pa. C.S.A. Section 4904, relating to unsworn falsification to
authorities.
Members I" Federal Credit Union
UL\
'e McCreary, Collecri
Officer \.
Ace! 112686-01 William Leonard Ir.
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Karl M. Ledebohm, Esq.
P.O. Box 173
New Cumberland, P A 17070-0173
MEMBERS 1sT FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
Vs.
NO.: 06-2039 civil
WILLIAM K. LEONARD, JR.
DEFENDANT
: CIVIL ACTION-LAW
AFFIDAVIT OF SERVICE OF ORIGINAL PROCESS
I, Karl M. Ledebohm, Esquire, being duly sworn according to law, swear and
affirm as follows:
That on the 13th day of April, 2006, I sent by United States certified mail,
restricted delivery, the NOTICE TO DEFEND AND CLAIM RIGHTS along with
Plaintiffs Complaint in the above captioned matter to the defendant, William K
Leonard, Jr. ("Defendant"), addressed as follows for purposes of service of original
process outside of the Commonwealth of Pennsylvania:
William J. Leonard, Jr.,
45-439 Keikikane Loop
Kaneohe, HI 96744
Service of process of said complaint was completed on April 17 , 2006 upon the
acceptance of the certified mail and the complaint by Kevin Barbona, the authorized
agent authorized to accept such mail on behalf of Defendant as required by Pa.
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CERTIFIED MAIL RECEIPT
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Return Rf:lC8Ipt Fee
(Endorsement Required)
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TotalPos....&Fe.. $ ~8.82
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City, QIOUtI'.ZJP+4 ..n...-.n------____uu._&..~_~.__t:I..I_v. _ _n..
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. Complete nom. 1. 2. and 3. Also complete
nem 4 If RestrIeted DeJJvery Is desired.
. PrInt your name end address on the rev""",
so !hat we can return the card to you.
. Attach this card to the beck of the mallplece.
or on the front If space pennils.
1. Artk:Ie1\d<l_to:
W ,'i1I'CtM
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k. Le"fll"\Qrcl Jr,
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w.ce.tIlled Mall C ExpIM8 Mall
C Reg_ lSRelum R_pt tor Merchandise
C InsUl1ld Mall C C.O.D.
R_ed DeI1vely7 -(Edra Fee)
2. ArtIde Number
(rIBnsWfmm._/abeI)
: PS Form 3811. February 2004
7004 2890 0002 8473 9713
Domestic Return Receipt 102595-0241540 !
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MEMBERS 1 ST FEDERAL
CREDIT UNION
IN THE COUR
CUMBERL
PENNSYL V
OF COMMON PLEAS
COUNTY,
A
Vs
PLAINTIFF
WILLIAM K LEONARD, JR
DEFENDANT
: CIVIL ACTION ~ LAW
!
PRAECIPE
Please enter judgment in the above captioned proceedin in favor of Members 1"
Federal Credit Union, Plaintiff, and against the Defendant, Willi m K Leonard, Jr, in the
amount of ELEVEN THOUSAND THREE HUNDRED SEVE Y-SEVEN AND
54/100 ($11,377.54) plus interest at the rate of$30015 per day om April 3, 2006
through the date of judgment entered and the legal rate thereafte and costs of suit.
Judgment is entered pursuant to Pa. R C.P. 3031 for failure to fil an Answer on behalf of
Defendant, William K Leonard, Jr, to Plaintiffs Complaint wit in twenty (20) days of
service thereof and after a 1 O-day Notice was sent.
Date: May 25, 2006
ad M. Led bohm, Esquire
Supreme Co rt ID #59012
p..O. Box 17
New Cumbe land, PA 17070-0173
(717)938-69 9
Attorney for laintiff
I hereby certify that notice of intent to take default judgm nt was forwarded to
William K Leonard, Jr, by United States Mail, First Class, posta e prepaid on May II,
2006. The aforesaid notice was contained within an envelope be ing the return address
of the undersigned. The notice has not been returned to the un er igned as undeliverable
or otherwise. A copy of the notice and Postal Forms 3817 ar att h
marked Exhibit "A".
MEMBERS 1 ST FEDERAL
CREDIT UNION
IN THE COURT F COMMON PLEAS
CUMBERLAND ,OUNTY,
PENNSYL V ANI
PLAINTIFF
Vs.
NO.. 06-2039 Civi
WILLIAM K LEONARD, JR
DEFENDANT
CIVIL ACTION-LA
IMPORTANT NOTICE
TO. William K Leonard, Jf.
45-439 Keikikane Loop
Kaneohe,HI96744
PURSUANT TO THE FAIR DEBT COLLECTION P CTlCES ACT, I
AM REQUIRED TO INFORM YOU THA T THIS LETTER A D ANY
SUBSEQUENT CORRESPONDENCE OR COMMUNICATlO IS AN
ATTEMPT TO COLLECT A DEBT AND ANY INFORMATI N OBTAINED
WILL BE USED FOR THAT PURPOSE.
YOU ARE IN DEF AUL T BECAUSE YOU HAVE FAILE TO TAKE
ACTION REQUIRED OF YOU IN THIS CASE. UNLESS YOU A ,T WITHIN TEN
(10) DAYS FROM THE DATE OF THIS NOTICE, A JUDGMEN MAY BE
ENTERED AGAINST YOU WITHOUT A HEARING, AND YOU A Y LOSE
PROPERTY OR OTHER IMPORT ANT RlGHTS YOU SHOULD AKE THIS
PAPER TO YOUR LAWYER AT ONCE IF YOU DO NOT HA A LA WYER OR
CAN NOT AFFORD ONE, GO TO OR TELEPHONE THE OFFIC SET FORTH
BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, P A 17013
(717) 249-3166 or (800)990-9108
EXHIBIT "A"
Date May 11, 2006
- I-.~
Respectful!J~ bmitted,
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]j(arl M Ledeboh , Esq.
(Supreme Cou ID #59012
POBox] 73
New Cumber! nd, PA 17070-0173
(717) 938-692
Attorney for P aintiff
U.S. POSTAL SERVICE
CERTIFICATE OF MAILI
MAY BE USED FOR DOMESTIC AND INTERNATIONAL MAIL, DOES NOr c::
PROVIDE FOR INSURANCE-PostMASTER v~
Received From:
i"I LeJ~ ~t~
One pIece of ordinary mail addressed to:
UJ;\':<'Av-' -s: L~:,vJl1\J-
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PS Form 3817, January 2001
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MEMBERS 1 ST FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
PLAINTIFF
VS.
NO.: 06-2039 Civil
WILLIAM K. LEONARD, JR.
DEFENDANT
: CIVIL ACTION - LAW
PRAECIPE
To The Prothonotary:
Please mark the judgment entered in the above captioned matter satisfied.
Date: November 28, 2006
I Nt Ledebohm, Esquire
upreme Court ill #59012
P.O. Box 173
New Cumberland, PA 17070-0173
(717)938-6929
Attorney for Plaintiff
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