HomeMy WebLinkAbout07-0239
MEMBERS 1sT FEDERAL
CREDIT UNION
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
Vs.
NO.: 07 - ~lr
CIO~tr~
JEANNIE B. MOHMAND
DEFENDANT
: CNIL ACTION - LAW
NOTTCR TO DEFE~D AND CI,AIM RIGHTS
T1US 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
OF COLLECTING THE DEBT.
YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims
set forth in the following pages, you must take action within twenty (20) days after this
Complaint and Notice are served by entering a written appearance personally or by
attorney and filing in writing 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 LmERTY AVENUE
CARLISLE, P A 17013
(717) 249-3166 OR (800) 990-9108
Karl M. Ledebohm, Esq.
P.O. Box 173
New Cumberland, PA 17070-0173
(717) 938-6929
MEMBERS 1 ST FEDERAL
CREDIT UNION
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYL VANIA
PLAINTIFF
Vs.
NO.: e/7 - J..3l(
GuL'J~
JEANNIE B. MOHMAND
DEFENDANT
: CIVIL ACTION-LAW
COMPLAINT
AND NOW, comes Members 1 st 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 1 st'), is a National
Federal Credit Union having a principal address of 5000 Louise Drive,
Mechanicsburg, P A 17055.
1
2. Jeannie B. Mohmand (referred to herein as "Defendant"), is an adult
individual having a last known address of 4020 Lisbum Road,
Mechanicsburg, PA 17055.
COUNT I
3. The averments set forth in paragraphs 1 through 2 are incorpora~d herein by
reference as if set forth in full.
4. On or about November 16, 2005, Defendant executed and delive~ed to
Members 1 st a Closed-End Note, Disclosure, Loan and Security Agreement
(the "Note A") by which Defendant borrowed from and agreed to repay to
Members 1st TWENTY-FIVE THOUSAND AND 00/100 ($25,OQO.00)
DOLLARS. A copy of Note A is attached hereto as Exhibit "A" and made
part hereof.
5. Note A has never been assigned by Members 1 st and is still held by it as a
valid and subsisting obligation of Defendant.
6. Pursuant to the terms and conditions of Note A, Defendant agreed to pay to
Members 1 st monthly installments of principal and interest in the amount of at
least $552.13 each beginning on December 15, 2005 and continuiltg on or
before the 1 Sth of each month thereafter.
7. Defendant is in default of Defendant's obligations under Note A as a result of
I
Defendant's failure to make the payments due to Plaintiff as set fqrth in Note
A.
2
8. By letter dated November 24,2006, addressed to Defendants ("pemand
Letter"), Members 1st exercised its rights under Note A and accelerated all
amounts due under Note A and demanded the payment of all am0unts due
under Note A. A copy ofPlaintitI's Demand Letter is attached hereto as
Exhibit "B" and made part hereof.
9. As of January 5, 2007, Defendant is indebted to Members 1 st in the amount of
TWENTY-THREE THOUSAND EIGHT HUNDRED THIRTY..;SIX AND
871100 ($23,836.87) DOLLARS itemized as follows:
a. Outstanding principal
b. Interest to January 5, 2007
c. Late Charges
d. Attorney's fees *
e. Total due to Members Ist as of January 5, 2007
$22,172.84
568..59
95.44
1.000.00
$23,836.87
* Attorney's fees are estimated based upon the terms and conditions set
forth and agreed to by Defendant under Note A. Defendant will be responsible
for the payment of actual reasonable attorney's fees incurred by Members 1 st
to the extent permitted under the tenris of Note A.
10. Interest continues to accrue on the above obligation at the rate of $4.3131 per
day.
11. Defendant also agreed under the terms and conditions of Note A ~at in the
event of default there under Defendant would pay, in addition to the amounts
set forth in paragraph 9 above, costs incurred by Members 1 st as a: result of the
institution of these legal proceedings.
3
12. As set forth above, Members 1st has made demand upon Defendant to make
payment of all amounts due to Members 1 st under Note A and, a& of the date
hereof, Defendant has failed and refused to make payment of all ~uch amounts
due to Members 1 st.
WHEREFORE, Plaintiff, Members 1 st Federal Credit Union, demauds judgment
against Defendant, Jeannie B. Mohmand, in the amount ofTWENTY-THRijE
THOUSAND EIGHT HUNDRED THIRTY-SIX AND 87/100 ($23,836.87) DOLLARS
together with interest at the rate of $4.3131 per day through the date of judgment hereon
and at the legal rate on and after the entry of judgment on this complaint thrQugh the date
of payment, additional attorney's fees, ifany, and costs of suit.
COUNT II
13. The averments set forth in paragraphs 1 through 12 are incorporated herein by
reference as if set forth in full.
14. On or about November 23,2005, Defendant executed and delivered to
Members 1st a Open-End Credit Plan (the "Note B") by which D~fendant
agreed to borrow and repay to Members 1 st together with interest and other
charges set forth in Note B any and all amounts advanced to Defeindant under
Note B up to a maximum credit limit of TWENTY THOUSAND:AND
,
00/100 ($20,000.00) DOLLARS. A copy of Note B is attached h~eto as
Exhibit "c" and made part hereof.
,
15. Note B has never been assigned by Members 1 st and is still held by it as a
valid and subsisting obligation of Defendant.
4
16. At Defendant's request, Members 1 st advanced funds to Defendant under Note
B, and pursuant to the terms and conditions of Note B, Defendant agreed to
pay to Members 1 st on account of such funds advanced monthly installments
of principal and interest in the minimum amount of $400.00 on the 23rd day of
the month following the advances to Defendant and continuing 00 or before
the 23rd day of each month thereafter.
17. Defendant is in default of Defendant's obligations under Note B as a result of
Defendant's failure to make the payments due to Plaintiff as set ~orth in Note
B.
18. By letter dated November 24,2006, addressed to Defendant ("Dtrmand
Letter"), Members 1 st exercised its rights under Note B and accel~rated all
amounts due under Note B and demanded the payment of all amounts due
under Note B. A copy ofPlaintitI's Demand Letter is attached h~eto as
Exhibit "B" and made part hereof.
19. As of January 5, 2007, Defendant is indebted to Members 1 st und~r Note B in
the amount of TWENTY -ONE THOUSAND FIVE HUNDRED SEVENTY-
SEVEN AND 75/100 ($21,577.75) DOLLARS itemized as follows:
a. Outstanding principal
$19,071.73
b. Interest to January 5, 2007
1,386;02
120iOO
c. Late Charges
d. Attorney's fees *
,
1.000;00
e. Total due to Members 1st as of January 5, 2007
$21,577~75
5
* Attorney's fees are estimated based upon the terms and conditions set forth
and agreed to by Defendant under Note B. Defendant will be responsible for
the payment of actual reasonable attorney's fees incurred by Members 1 st to
the extent permitted under the terms of Note B.
20. Interest continues to accrue on the above obligation at the rate of $6.6620 per
day.
21. Defendant also agreed under the terms and conditions of Note B that in the
event of default there under Defendant would pay, in addition to the amounts
set forth in paragraph 19 above, costs incurred by Members 1 st as: a result of
the institution of these legal proceedings.
22. As set forth above, Members 1 st has made demand upon Defendant to make
payment of all amounts due to Members 1 st under Note B and, as :ofthe date
hereof, Defendant has failed and refused to make payment of all such amounts
,
due to Members 1 st.
WHEREFORE, Plaintiff, Members 1 st Federal Credit Union, demands judgment
against Defendant, Jeannie B. Mohmand, in the amount of TWENTY-ONE THOUSAND
FIVE HUNDRED SEVENTY-SEVEN AND 751100 ($21,577.75) DOLL~ together
with interest at the rate of $6.6620 per day through the date of judgment here(>n and at the
legal rate on and after the entry of judgment on this complaint through the date of
,
payment, additional attorney's fees, ifany, and costs of suit.
6
7
Respectfully submitted~
Karl . Ledebohm, Esq.
Supreme Court ID # : 5~012
P.O. Box 173 :
New Cumberland, P A 17070-0173
(717)938-6929 '
Attorney for Plaintiff
~lst
MEMBERS I'
1_'4I.rUIlII~""
. DISCLOSURE,
5000 LouISe Drive, P 0 BOll 40
MeChanlc.burg. PA 17055
UORROWER'$ """" ANOAOORE$&
JEANNIE B MOHMANO
4020 LISBURN ROAD
MECI:IANICSBURGJ'A 1'1:055 _ _
ACCOUNT NUMBER
2747~1
CQ-9ORRONEA'S NltNE
11,70'A
L.cw. NUUeER
CQ.8ORROMtfn NAME
MAT\JAI D T
o '''EO
Total of pevrnefrts The lWnount
you WI! have p~1d Ilfle, you heve
mede ," pavrnf'ls as sc:heduIed
,
1170 % $ 8,12756 $ 25.00000 S 33,12756 :
Vanable Rate It your IoI1n h.. . nnable ~e .1 If\dlcated abOve th, AnnUlI PIlfCen1aQ' Rite may tncrll'" duMg the ..,,;, Of thIS hn.a;;on I; the (~.nge. nll"-
:.~~;:" .;~=~":~..-:.. lO ';.y -::.::.:.. r:=:,:uWl~~ ~~ ~I::"ol'::' "::';;'E.":~~y-:" ~ =-S$~OOO" ,~~.:::-'by
n'IHIths _nd th. Annual ~~n. R... IncreaHd by ~ after on. y...., the tllrm of your to.n WlIOUtd Inause by two months :
FINANCE CHARGE:
Amount FlI1anced The amount of
credit provided to you or on your
beh8~
The dona, emounl1he credll WIll
cost you
1i'''~~:' ~=O::=.L":.'::::'.~,,:;"~... agtHd Iomokl vou'..qwrell monlhly montllllrougll 1ft .II0m0llC 010_ """'~~
ACi:awn. YOU' ANNUAL PERCENTAGE RATE hel bun doIcounled 2Ol4. Tho ANNUAL PERCENT~7 RATE "'sdoHlII"'" 1ft "'" AN NUAL PE~ rAGE RATE..... "
.,. "'-1tc1tTWtlC P..,.".nl o.lCOUrIted Raw Thl& 1'11. WI. nc:r'88$41 by 2~% rf ~ou eea.. th. ...ton1lc ptymenl INTWngemenl Of' fall to mlml'" lutfiCletlt funcls )'Our .ccounllo
cowr Ut. autOMIIK pl'yrMnts In IUdI . cale, the IfYect of \h. WICN,,, .....11 be to .....I'IlS Ihlterm of your kJaft For .xampIe, II your AutDmallc PlyrMnt Sed Rail:. 1110"-
QI\. SS,ODO 00 INn ." 80 monIM Ind you CUM tbllUtOmatc ~nt .nanoemenL your rale WII ,ncre... to 10 20%. re.u""O 1ft 1 MtMtonal payment I
VI,..ble Rite Preferred Loa". If f%l..r loan 1$ . "'.....b1. 1'81. IDlln Ind you qualify lot . ptefe~ ratl. yew pr.-t,rr'lO dllCOUnt II "ken II .,. hme you Wk: ~.'fOIIIr bin Tn,$
;"e1c'r~~t~~'::~ :i,.,~~~1 = :'T;k:"I:'-;;:~= ~::::r~~~ll~~~M~~A;~1 :.";,;;:.~~:~.:== '=~LP~~~E
~~~ ~~th:",.,v:~ -= ~::, ':-,.-;.': :~~':'d :::::~=~:~.;::':,":r.~.. your ANNUAl PERCENT AGE RATE NIl tie dll ptlletrH~NNUAl
PERCeNTAGE RATE d1sdoMd abov. tor a.'ong.. yoill' Jftferred....tus ,emllna In effect
N.mbo, of Po_II Am....." of Pa\ltMftll Paymenl F_ncy _n Poymanll "" Duo
59
$552 13
$561 89
Monthly - Beglmlng
F..a1 Due . On
1211512005
1111512010
Property Insu'iIlce: You may ab1a1n PfQllerty
..surance from enyone you want ~11S aoceptable to
~~~~~n~ ~Yr~~'"lhe "SU"rce 'rom Ihe
$N~ :
'''"'
P.ym.nl
-
""..
Secunty C-""I HCUJ\I'lIQ other Danl 'Mth 'ft. credit unon .
Will .lso SICU~ Una to_n You Ire grnng . uG:Unty mltrelt .,
your '''.1'" and/or ctepo,:Jt In Chi cr.clIlt wntOn, and
x
IIlI goodo or_11y
being purch.sed
Otho.
loelc:nbo)
~~tt~:=:':t: ::::':~tS~~by~~O~7~OU"
, yov not . to Plrl' . PR'W
Required Depostt Balance. Tn. Annuli P,rcenhtgo Rill. does
not IIklllllo _....'~ 010_ bolenco. ~ .....
.. yCNt <<lMl'act um.,," tor ."., 011 Ofmauon t nCJnpIyt'Mnt,
"" 'chrdul.d dM. .nd Pf__tMnl r9fwndl ."~ p.Nd'..
.....,,,
$
AMOUNT GIVEN TO YOU DIRECTLY S
AMOUNT PAID ON YOUR ACCOUNTS
PREPAID FINANCE CHARGE S
25.000 00 Amount Paid to others on yOLX beha~ (Oe.cnbe)
2500000 S.OO To .......... "'. S
$tJoo To IY..nnel_LItI S
$ ~ S
S To S
S To-- $
SECURITY INFORMATION
vEAR 10 NUMBER
To
To
To
To Fee I
To ....~
MAKE
Mooel
T't'PE
VAlU~
OTHER ID..cribe):
You PIed9" Sha"" AMOUNT
and/or DeposIts Of S
ACCOUNT IIJMBER
AMOUNT
S
You _" llI.ttlle I""" _ c:anlIoIJons ..Ihe ...sclollUl1llll....m end !ho"". end .....n1y _nlllocoled O~ _ 2 .f 11111 cIocu"~llhl' 'PlIIY 10
tnAn an. borrower. M .gre. that aD 1M cmdlttons of1~. Join 1110 lecunty agreRmlnl$ QIO\Iemlng In..n ,hili Ipply 10 both JOI"IIty and t.IYIIl'llly Yo.. ,ell.
teeeI'*' a copy Of 1M ban Ift4 MCUnty ....menu, and dltdoIure statetMl\l CO-SIGner II you WI ugrro I' eD-l9\lt. YO" acknolMltdOl"~ 01 the
contWtldanP8Qltl2
R'S SIGNATU OATE
(SEAl) N .
DATE
(SEAL)
X
o Co.M""ER
X
o "OTHER Cl\I'MER 0 "Co.SIGNER
DATE
(SEAL)
o Co.MAKER o .OTHER OWNER 0 -"C().SIGNER OATE
Ix :(SEAl)
0 CO-MAKER o 'OTHER OWNER 0 "CCl-SlGNER, ClATE
X ,(SEAl)
0 CQ.lAAKER o 'OTHER ov.t<ER 0 "co.sIGNER , DATE
X 'tSEAL)
.....!W1t ......- ...n ...............,...........IItI..~.._i':""~...........
.. a...........'..............,.....c._......... till........ _ ......... The
"OTMn 0WNI1ll AIl,,.,...........,,~ .......'1..... ..'" at .II,...... .....,......-.v......... COIN'"
~ -..... -Ity .....In.......,... ........ In IN _lIrIIJ ~ ~1lI __.....
..-- -..-. ............... ---.......-..................
APPLICATION FOR GROUP CREDIT INSURANCE I
I (VIre,... ~ fOr IN a... ~ coo.r.-lOet.t'eleaftl MIDiIend egr.... .., llIe flqUflG Pftmum I (we') "I'lIter....... ... tHl may be PIlI ~ the "lUrei' vt ~ 'MU'I COYW'.Dt 111M c"..."
I (M)vndltfl1.na U1M 1tl.1*C,.... of tM'"'u~~" voIurttwy M'l4 not ",uN'M ,. enl,rla -'In C.-dlt, 'M tl'Nlt IIWl) rnty~,",,".t.lt.1I'I)' ,..,.. ......1 undert.taM 1tIII 'pM Ill. UI'I~ IIlMdld, we
fT'lUI;t M ,lIH1I1y ..... Il'ldNIdlMIIy Nib'" tlfUItr Iw loin, Md tMl C01.,..', .". gu....ntDl't ...e not....... Jot IftSUr~. n CO'....'IJCAN1'
1............"........1 '"2.__ ....................MlM"'Y(OUrt.........,..~ :S lJ! ~
I fAj:!piIC....teW._Uf.,.e. ecrwer.,.only)WII)'OU be...a.'-V-700l\tl.KMclw,"ITWtIlHIlyIl~.oI'(OUfro-" X U U
2 .l..~::==.:''';a:';.-c,'':.e..be.U:::=::=~':':l-'::''ot,to:,,---:=::=::.~woNnO 0 00 0 00
In ...~. ')fOUr 10M HOeMI. S H.DlID 00 1t. IbIlDwlng que'''Oft mult .leG be .n...,.., ... ant... to .s.t__". ..".blllry 0 r::'1
) ~"!~~P\~cybe~.~~~l::~-=C~"kCfcorontry,,,.,yd"-. $U.. l!J 0 [!J
:'~~"'=~I~f~=:.t=~~::::~I~:l~::~h~ ~~~d':IIO:'~,~~~~.::='O:CI.';'::,.~~,:::::,:c~:!.g ~ ~ uaac.. ~non - '*1'19'- fDflnaut.fIee Md
~~:.:::.~ ':~~~=:~..::;; ~::.':.:,,,,,-=~:: ::U=":f'Ym~.::e~:::..'"':':m 1fI.u't.:=:r.. cw,.:::,,':t:':\"'$EMWIlr.:::a.rMM
whtQl . . cnrnot McI .1oIbfM:t. MK:tr ptI'*"' to, entN"" .... eMI ,.PlAtt... Do NJ1 I~ Un 'Pfl'I~1Oft It MY .'PIC.... ...._ .::=:r T"'. ~ will not bI uHd tft. t If .. aptl4lCabM
bI.... _pc.' h.,. not Me" compIltIecI. tM.....g ".. ROII.__ ct.., 1M -..kAlbaw Md &t tM -'"*' ". noli .... Wltnn'" .
,
CREOIT INSURANCE APPLIED FOR' NOlE. ONL v ONE APPLICANT MAV APPLY FOR DlSABl COVERAGE.
DYes 0 No
Dyes 0 No
Indlalto""""" "_'(1)
SIngle Credit Life
JOInt C,edlt Life
o ApjlIoeanI 0 C...~nl
Total P,emlum 0 Yes 0 No
C,edlt D.sabll1y
, Total PremIUm
,
so 00 InOocoto vncn llfJIlIlal~'(I)
,
o Appklnl 0 Co-ApphcInl : $ 000
DATE OF BIRTH
hlHC.....3M 37 A.
MHC.g1-<<200 37lASE~ VYORO F ..:\180 R..... 1I0t
0."8 t ", ')
,
,
CoPYRIGHT 1$197 Mm...u.. Muevl' CompM~ lnc ~ flSJMI r~
EXHIBIT "A"
~~bs.t.~,f=fll{HE WORDS "CREDIT UNION" MEANS MEMBERS 1ST FEDERAL CREDIT UNION THE WORDS 'YOU: 'YOUR" AHll 'YOURS" MEAN THOSE
LOAN AGREEMENT SECURITY AGREEMENT
P.ymenlSIFlnanca Charges: For vakJe receIVed. you promoseto pay, et
the Cnldd Un"",', offlCa, 811 amountl due All paymerns lhal be mede
~~~~dr=:=n~~c:ieol O,th~~:,o~ 1
of thlS document ara based on the assunptJon ~II onSl8llment Prr::ient,
~~~~e~~:: ~h=~~~ ~:~el. ~ ~~c: 3.U:1=:erred
rIle If you fad to pay any ..slallment b~ tltl1a It IS due, you WIll pey
IIdddlonal rrt....st oil the ove,due amounl
A1locallon 01 Peymenla and Addtbonal P.ymenls: Payments and
CredIts .hell be applied on the lollowlRg order 'ny amounts pu' due. eny
lee. or cll8rges OWIng. ondudlng any Instill""" prtlfTlouml; 8CCtUed onterelt
or 1....lnca ch"'lle.. oulslandong pronclpal Payments made .... edd'hon to
regularly SChedUled payments shall be app/led In the lame order
Prelerred R.le: II you quelolv lor a protarred rale as dISClOSed on page 1 of
thIS document or .. , separale praferred rata addendum, you underslllnd
II1al you must meet the Conddoons dlSClosed 10 you In crcIer 10 quahlv lor lhe
prefarred rete. end musl continua 10 meet those conddocns .. order fa keep
your prelerred 'ete If you lall to maellhose oondlbons )'OU' 'ate WI'
Increase, theret)y extendIng the terms of yoyr loan You ~romlse 10 conhnue
~k~l~e~e,'::.~ I~ ~':::'~:r.loons under thIS Qf88ment even ~
~ ~~~~ ~~8Iaclt81J:~efuou lllI",a 10 pay elate cherge
Property Insu'....,.: II yOu obUlon a loIn secured by a maler veh,cle or
=1&~~~TJsn'~::~r\f~n'a~e:~~~ credot
IRSUf1IflOll musl be aCClPlebte 10 Ihe creel" unlonl1ll!J uch , polICy musl
prOVIde at leeslllfe, theft, combined addlllon8l cov.... end COIltSIOR
WlSurance h. must conta,n a LOIS Payabhl clause endorsement nlmtng the
=~: :,.j~~u: ~:,:~y=::::'d~,f'~~e~~rll'r't 01
policy
Oeblo< Re'ponA.blllly' You p,cmlS8 to nohfy credit union of any Change In
~'=~~::'::"~a=F.~':b.~';uno~lo~~~~a~~
your Oblogatocn accordl"lllO the lerms 01 'X,e credn e.lenSlon You p,orno.a
to .nlorm crod" lJnKln 01 any new Inform'hon which ..lete. 10 you, 8bIhly 10
==~ ~~=y ~~~.:rcrmn::.: S;;=r~~:~o~'==h'ne.s.
credd standong, or credit C8P8C1ly
Default: You Shell De considered In dot""ft II a~ cI the IoIlcw"'ll CCCu, 1)
I' you b_k any premISe made Und8r IhIs Lll8r1 Agreement or unde, the
Secu,rty Agreeinent. or (2) II you do not use lhe money lhe credIt unIOn
loaned ~cr the PU'~e slated on your appllcaloon, or (3) d the cred,t
~,'::'llZaloon :~oI~~;:~~~~ =~ g: r:,r~'s,:t~r.r
~o:.:"\l;t~'g' ;CJ.~=' onS~1lif*I~ :=:r~ ::"~.e:.':. IS
securl~ for this PCCount IS Jos1,~maged or destroyed,OI' I' It IS leVied
~II:'~ :~~'f.t"'r:~::' J,;~ Yjt"~ ~..E:~ ~ =,~~~y.
althe credll union's optIOn and Wllhout prior MOIlCe, declare thIS loan
~~~"\~~ 1,~eal~ ~~T~paa::b~~o;~:~,:W,~ ~:'Xet~~~cC;:~~~
to date, any lete c:nerge. end co,ts 01 collecloon perTnllled under law,
~"";;i'8:~;~:,,~~~r::::ie~lt~~Ii'~~'ife~:~Xc~'~ ~e
~~~;=.~, '1;'J:::::=~~~sn:~~~;,~r~I::'~::,y'S lees (er
any &ell"" taken by an eltomey In crcIerla co1l8CI ~IS loan or presel'll8 or
pr~ \he credn unrcn'l IIghlS end ramedres, Includong, WllhoUllmd81lOn,
~~~~~:',~~~~~~J~:~ :~s~r:.d:::l:: ~::Jt~=. nghll,
pertlClPBtlOR in bankiuplcy cases, mailers, and praceed",,,1 (.ncluchng,
wlthoullIIYlIlallCn, 1iI~ proof. 01 cla"", pUrsUing "allormafion ag,eemenlo,
:~~Smu:tl~le ::"r1~M~Ih~U=::;'Ir;,,:~o,,,~o
~=t~=~dl~:~,~~~~:1t=~~":,"l:~::':
the centred rale
SllIIulory Lien. W you are n default. faderallaw glYlSlha CAIdl1 unoon the
ngh! 10 epply the balance 01 .hares and/or dlV,dei\ds .n your account( 0) at
the lome 01 dot8Ul11a sahsly thIS Io8n Once you ere on default. the credit
unlon may e.erose thIS nghl wllhoul ,...,.,., notICe 10 you
~~~ ~J~='O:=I~~~.:::rl= =""'9 eny 01 the cred~
In.gula, Payments The credd unIOn may 8CCepllate payment, or P!lrt,8I
payments, even lhouGh marked "paym8f1l on lun, W11hoU\ Io&lng any oIlha
credll uRlon nghlll unaer thIS ,gr88menl
~=%~~~.t'':~I~I~~~~~~.*~alo
:~:'::~nI::l: ~%,r;,e:~~:~ed~:: ~ye ~~I~dr~':"~I:'S
payment and relea.. any I8cunly wIlhouI natdY'ng or "'leasing you lrom
,esponslbtl,ty on thl. agreement
BORRCMER 5 NAAtE
JEANNIE a MOHMAND
COlIne.... PIecIv- flII Share.: You pledge all your ....,.. .ncI OIP'">tta In the
erNll UftlOft. .nclUdlng tuture ....tton.. a. HCUtlty for 1ht& lOin In ca.. you
deflutt.1he aNtt URtOn may apply....... aha,.. and cMposlt$lO the '-YJMnt
of.lllume dutt It the tame ef default. IMluclu.,g co... of cofIHllOn And
ruaoMbIe attorney's ,.... tMt the credit UNon "..y Incur, up to 20% of 1M
unpaid ptlnapt' and Interest Na hen or riQI't. to Impr...I '*' on 1M,.. and
dePOSita lhalt apply to Iny of yCMolr IM"'I whteh IN)' bII Mid In In "'ndlvtdwtl
Re'l'IrMnt Accavnt" or "Keogh Plan ..
lONf NUMBER
131557
ACCOUNT NUMBER
27474601
OA TE OF lOAN
1111612005
To MCure payrMnt vt ItNsloan and an "~Iturn~' trw the c,...
union In connection With Itua INn. or In ,.'hl'''. on I Wltv '.~... you
gnIntta thl credit ur'lIon I HCunty I"&emr In thI_1OIM cleienDed on
CB: 1 of 11I11 do......n'. The ".U~IInc_ Incre......
""~~:.oc: r~'''~~'':;y':nd'U J:O"Cgrtz'lc.I=~ny
......... ""'''Fly, ,
Cro..-col'...,.hUltlon" p~ 8'''''' .. ..cun~ tot th . ICMn or for ..y
~:::=~~3rt~':- n::~::r~o:,,~ .Ilamo~
Mcu"nl lnother cMbt WIll not Meur. th'l 1000n tf such p rtr l.
EIon"crM", ponelpll' ..tNdenc, (un".1 "a proJ:lr ,.acll nolle.. .,..
r:'::=h=~=~ f'IlqunrMnIa...... at...>>- at are ftOft..Iturcha..
You \WI not ~ Iht Ictc8hon of, M" or transfer the colla',,.. un.u you haYe
ft. ctRlI uruon'. pnor lW\tten consent I
Yau WlIrTant lIIaI you h'~Od bd, to the co.. tent he ~ MCYnty tn....ug
=J:=:~,,-: :r..1"'lt=~"=:"~:O~~n~:::': ~
~ I
Yo.. WI" ~l: aU lPn, ...Urnentl. and hln. aga.,.. Of ~IO ... ~
~::"::r~aor":'~~~'=::I-:'C:": nd ~~ 1ft-
Igreemertt lmendmtn~ thl credit urvon', l'llqutll and WI ."nd the ptDpWty
19a1nst HverH Ihrel party dIIms
~~r~~~~.'='u:f=t~=~~::~ In ~~:Ih'
amou"t .lldfllCtOty k) thi credit "nlOn You W11IIUPDIv the un.an WIU'l pt1)Of
0' luclll"IU1II"CIt un}" an wms ov.ecll fa credit uniOn and ,..~ thll
lm!~.::.:rl:',~n~~..': =:' a':::l.~~ ,to, ......":ythobut
lumI ~ Th.. CO,I _I bear ,l'IIlrell II 11M eonfIKI .... U pIIld You *'"'*'
:::' to ~:: :::::::; ~:: :c;.,;,~' antf.,"':r:::.on
unlOn~Clllonu Ill. c:red~ '"'... 10 -..... Ch... ~~d"
~: =~moC:: 'uch 1t\IUtMC8, Md.ppty thon prOceed. fte 'or.wd tQl
You furttJer luIhonze the cred,1 uneon 10 prOVide W'G:Ur fnlUl'M~. Servce Cante,
WIth .... nee....ry InfomwllCln fa, _ICI_ 01__" _
~=:~'&-:rit':~~I~~~:I::'::~', =:lec~~
c:rM4 uNOn
Sh....d Ill. cred~ unoon I"' 01_.... ....... "CUI11y ~:
dtmnuhed In value, or for.", rwison fHll'l.t.ddtl.lonM".. II ~..d. you
~~.:~J:=:":=:::::r:.~Q)~V::= ;'1ftI1~ry
~. I
" . del.. as dlftneclln the Loan ~I &hDukt octur. ::1: UI'ItDI\ hili
=:'':II'~~~~....de~rf1 ::':"~.~',=,o:':".': ':..z~_'
:s::=r::~'=':k:';oC:::'=~F =~-= f.-='''''
~n~:~o?Y:~ tg,.T.r:.~~ ~rrf...~1 CDI. :IU':-:::.,dlhe
CtBCIIt utIIOn deade. 10 Mil 1M CoIat.e' at . publte Dr
olhet'wlu dt:.=,. of ,hi col..,." the Credit ~ the ,,,,. and
~OI~".....~::==,-:,(1Ol:U~ u ~
eoted t.m r:u,,.llOnDbIe .~n::r tnCUrTWG III the ...takln hofqf.JQ = .
=~L~,.:C:=I,=':~~~r:,':::= pen:'~ =-
by IPp.;Clblllaw, Incurred In conMdIDtl With dlspolltlon , th ~.J&
~~ ~1t'l::"""~~':r,:==n':1htt;.r:=.nt or 1M mall,.::
:~~::!=.~~.ZtteUt~~~"c:...,,:~.,,:==tQ" u ~
Code anet ad'tef.~ laWl and~.t the CtedlI ..".on ~ ua. theM: ~Ms
10 enfotc.~~u.:~ ~ def8uk In rn.t '\fInI, ~ 1NI1t It the It unMN'I'l
=~~~:flh'.=~n\:te:=::w=~. ~::.c::
WlIW \hit ije~uh, .1 wdt not constrtuto -.wer of III'fY od1<< lub equent defe,,"
~~ = ~~~::~ T~::":~';;" ~==.~-:' pe..:r:,.,-,.
HCUnty Intennt'AAltctt lhll ag....rnem en....
II...... "...... Ill..... -JIlUt oIlIoolllOnl ueder ....~menl..
JO,"I and .IVIl"lI~, HUt beI"i eqLlillfy ....ponlIbI. 10 fuIr.., 1M' of "'II
ao....menl
'0 ~:.~.%::.-.ement nol onty blndI you. but your Ixecu<<1. .dnwu"'.cn,
6
9
1100 :zm
NOTICE TO CO-SIGNER
~~ ,r~~::,~~ ~f~:~a:~'t'~ad~e~\\',~ ~:~.f:l:We you do I' the bcrrcwer doe.n't pay !he debt, you wdl hava to Be sure you n ellord to
You may have to pay up to the fuU amourj of the deblll the borrower does nol pay You may also hatle to pay". fees or eorledlOn costs, wh Increase thfs
amount
The aedltot CiIO coleet thiS debl fr~ without f"'1 trying to COI'8e1 from the borrower The CTechtOl can use lhe S8Me co"echon metMods .mst you that
~~ ~~~: ~~:$~ I~~t~':[ract lha~'::~ t~'I~I':;:~~bfage5. ete If thiS debt IS ever 111 default. that'act may become a part 0 YOlI credit
F 43769 1102
APPRo SySl"", '"1; 2'24-'07&
paga 2 01 2
KARL M. LEDEBOHM
A TTORNEY -A T LAW
P.O. BOX 173
New Cumberland, PA 17070-0173
Phone: 717-938-6929
Fax: 717-932-0317
November 24, 2006
(Via Certified and regular mail)
Jeannie B. Mohmand
4020 Lisbum Road
Mechanicsburg, P A 17055
RE: Members 1st Account No.: 0000274746-01 and 0000274746-02
Dear Ms. Mohmand:
THIS LETTER AND ANY SUBSEQUENT CORRESPONDENCE, FROM
THIS OFFICE IS AN ATTEMPT TO COLLECT A DEBT AND ANY
,
INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. ~N
IMPORTANT STATEMENT OF RIGHTS IS INCLUDED ON THE RE$:RSE
OF THE LAST PAGE OF THIS LETTER. :
,
,
Members 1 st Federal Credit Union ("Members 1 st,,) has requested my o{fice to
collect the amounts due to Member's 1 st under the above accounts. :
,
,
,
As you know, you are in default of your obligations under the above ac~ounts
(collectively the "Account") due to your failure to make the payments required lin a
timely manner as required by the following corresponding notes: (l) Closed -Epd Note,
Disclosure, Loan and Security Agreement dated November 16, 200S in the orig~al
principal amount of $25,000.00 ("Note A"); and, (2) Open-End Credit Plan dat~d
November 23, 2005 having a maximum credit limit in the amount of $20,000,00 ("Note
,
B"), Note A and Note B are referred to collectively herein as the "Notes." :
,
I
As a result of your defaults under the Notes, Members 1 st hereby accele~ates all
amounts due to Members 1 st under the Accounts and the Notes and hereby dem~nds the
payment of all amounts due to Members I st under the Accounts and the Notes ~ the
amount of$43,108.45 itemized as follows:
A. Note A, Account No.: 0000274746-01:
1, Principal $22,172.84
EXHIBIT "B"
2. Interest to 11124/06
3, Late fees
4.
5,
387.44
40.22
Total due to Member 1st as of 11/24/06 under Note A
$22,600,50
B, Note B, Account No,; 0000274746-02
1. Principal
2, Interest to 11/24/06
3. Late Charge
$19,071.73
1,106.22
80.00
4, Total due to Members 1 st as of 11/24/06 under Note B
$2Q,257.95
I
I
I
-t250.00
I
I
I
I
$431108.45
I
I
Interest continues to accrue on the above obligation at the rate of $4.31 j I per day
in connection with the amounts due under Note A and at the rate of $6,4620 per
day in connection with the amounts due under Note B. :
I
If you fail to deliver payment of the $43,108.45 together with additiona~ interest
to the date that payment is delivered to Members 1st within thirty (30) days oft~e date of
this letter, Members 1 st will have no choice but to file a legal action against YO~to collect
all of the amounts due under the Accounts and the corresponding Notes withou further
notice. In such event, in addition to the above amounts, you may also be respo sible for
the payment of additional reasonable legal fees and costs of suit incurred by Me bers 1 st.
I
Nothing herein shall constitute or be construed as an agreement on beha f of
Members 1 st to accept any terms and conditions in exchange for payment of the mounts
due under the Accounts 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 colI ct the
balance of the indebtedness due under the Accounts without further notice, inc1u ing,
without limitation, the right to accept and apply any partial payments made on t~e
Accounts without waiver of any demand for payment in full of all amounts due qnder the
Accounts, Nothing herein shall constitute an agreement on behalf of Members lrt to
postpone or extend the maturity date under the Notes. :
I
C. Legal fees
D, Total due to Members 1 st under Note A and Note B
as of 11/24/06
Members I st looks forward to the payment of the $43,1 08.45 togethe~ with
additional interest to the date that payment is delivered to Members I st on or Ibefore
December 24, 2006.
Very ~yours, 'Qi
/ f
mp.fJ,~
Karl M, Ledebohm
cc: Arlanda Dintaman, Collateral Liquidations Specialist
NOTICE
This letter is an attempt to collect a debt.
It you dispute the validity of this debt, or any portion thereof, and ~'ou contact the
undersigned within thirty (30) days after receipt of this Notice, you will be furnished with
written verification of the debt; provided, that if a lawsuit has been filed a ainst 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. I
I
I
I
If you do not dispute the debt or any portion thereof as stated abov{, the
undersigned will assume the debt is valid, !
I
If the original creditor of this debt is different from the creditor statd on the front
page of this letter, the undersigned will provide you with the name and ad ess of the
ori~inal creditor upon written request from you within thirty (30) days ofr ceipt of this
~~ I
I
I
The undersigned means the name signed at the end of this letter ap~earing in print
at the top of this letter.
postage $
r\J Certllled Fee
Cl
Cl Retum Recelpt Fee
Cl (Endar88ment Required)
Cl Restricted Dellv8t'Y I~
a- (Endomment Requ
dJ $
r\J Total postage & F_
fv 1st
MEMBERS I"
fcnUALCUDlT 1JNJON
OPEN-END CREDIT PLAN
5000 LouIse Dnve, P.O, Box 40
Mechanlcsbu/'g, P A 17055
HOW TO APPLY
1, =~~~W';oda,::=u~=:~. ca"..,..tl" "'.uranca
R:~ r:r:l~ = =~=..ment. on plge 2f 110" btlow ...d...tum
eour Joan W'lII bII proce...d bv' the CI'IIdlt unIOn ynJ'MII be notified or Ita,
dKlltOn IInd your credit IIInrt, V.pprov'd -1
,
~:nor...n;:~ ~roO~~I;'~ :P=~::'l.":~=~:: :.r.~~~:III.:~~n)'OU
· CIM~ Imt..;.ch you may ~r ag..... You !Ny ...... YOU' _I uv"ugII
th. molhod. do..nbed In tile """a .gnl.....nt found on pallO 2,
1JOfUl000RSNA"e rllATtOf'BlRTH T~'$_
JEANNIE B MOHMAND 0212511970 I
DISCL
HOW TO COMPVTE TilE FINANCE CHARGE' The Fnan.. Ch.r;a 10 tho Iotal co.t to you 0' olItainlng CI8dM uv"ug!l "'" crldol..... Th. FIna_ Chatgo "'9lI'" _ Oft...
at. of ..ch 'Mn~ Ind lICQ'Uu tor luh d8)' 1M a"nCot: f"er'M1I'l' un,.m. The unpaid prv'll:.'" bal.nce tor .ac,t, dly la mutttpfled by fl. dally penock ,.. 10 dltemwM II,
FllIInc. Ch_lIl, VIal day Tha _um 0' ..... doll\> eII.roo. IIlh. Flnanco CIwgo you "'. poy Th. unpaid IXlnapal ~.Ion.e IS thot baI.nco whICh 1111I your CCOUnl .1". do.. tJI
busll." .".r .llIen._.,1IlClId&ng poymonll and now --..g,. have boa. en_ I
,
,
","0IM1'1UI_1l
27474~
OATl OF' 'flH
"()2
TYPE OF TRANSACTION
MINIMUM PAYMENT
Plr,on.. S.MCe LOIn (PSl)
0,0308%
11.25%
Month..nd Balance
F allowing loan Adyane.
Ml lmum PayrMnt
Mon Iy BlM._y
$17.500 0110 $20,000.00 $400 $185,00
515,000.01 to $17,500 00 $350 $16200
512.500,0110 $15.000 00 5300 513900
510,00001 to 512.500.00 $250 $11600
57,500 0110 510.000 00 $225, $104 00
$5,000.0110 57.500 00 5175 58100
$3,500 01 10 $5.000,00 5130 S8D,oo
52,500 01 10 $3.500 DO 595 S<<.OO
51,000,0110 $2,500 00 575 $3500
S .01 to $1.000 00 S5D 52400
You, rnt ptymenllS due end p8y8b18 on the laSl day 01 the moRlh following th dale of loan advance. The required p~ont only changes I month end
fallowtng an advance The new payrMnt amount IS due on the first due date on the month loI'oWlnll1he advance Bccordlnlllo the payment fr uency HlecIed.
:,)"oua payment is shll dUll aunng the month In whICh the adll8l1Cll occurs Thereall." ptyment IS due eecordlnlllo tha Plyment freq you ".".
The Annual Pen:enl8Qe Rate (APR) may Increase 0' cleere,.. on lh. firs1 dlly of each month du~ng the term or \his tranllldlon ~ Ih8 hoo~es Prima Rate as
published In the Wan St,ea\ Joumlll Incri!asas 0' decreases The APR will be equal to Iha h'llhel1 P"rlme Reta as publl&/lad In the Wah S'tree Joumal on the
lost bUllness day 0/ the p",,"ous month plus 4 5"'. The APR will neve, exceed 21'" 0' m8lW11Um ellowed by law, whlChalltl' IS leu The WlU never be less
than 11 %. My lricre,sa in the APR WIll resun in mote payments of the S8I1l8 or 18&10' amount I
Lat. Charges: II a payment IS 'ate by 10 days or more, you wll be Charged S'Il. of Iha payment due. I
av.r1lmf1 Charge: You WII be c:haraad 8l'l """'-111..... charge 01 520 00 ~ l'Ou requast a loan draft edvanoe In excess 01 your assigned crBl/,tlnnrt end Ih8
loan draft is ,etumed to you as unpa1d Thos reo WIll be added 10 you, loan balance
avenl,.1t Prot.ctlon: II you ~uast _draft protection, 'nv _drafts on your shere draft account will be cha,ge<l Iga.nll YOU' unsecuredlc:redo' bmltand
WIn be subject to the IInanee charge appllcablllla you, unsecurad lIf1lC)unt I
MlnllTKlm Advanc.: $100 00 I
You heve reed 'nd accept the terms .nd comlltlons or Ih8 Open-end Credot and ~ Agreements (on plge 21 and acknowledge receipt or Ihtt Open-end
Cnodn DlscIo.u,. "alement Inc:orporated aa p'" allhi. 'IIrteIMnt You acknowledge receljlt oIa copy 01 thIS agresmenl I
~E . _ # /' -.,j ClATE L _IC"""",,ROwER". a"NATUREI l>'lTE
~m~WJ.)J/.eoB-~x (lEAl) I
-_.n~__u______~__,,___
APPUCATlON FO GROUP CREDITlNS RANCE
CREDIT DISABILITY INSURANCE
GROUP ~ICV NUMBER WAlTINQ PERJOO
211l.5.G.SOO 14 DaYI
CREDIT LIFE INSURANCE
""OUP _ICV NUN8ER INIURANCE_""
2111t14.G.500 S5O.00D
J (WI)'" appIyInD fOI the ctIIdlt InlUrance COYeragIt(I) NlKted betow tinct _ClIft. 10.-,. Ih. ,...,lrect pnmum . (We) uncStralllnd thai .... fNly be ptIad by tit. lit In CON'IlIQon
::: ~~;:~~::n~'!".~;';, \,l:-~...~~~:~=r::. =.:~';~=:d:=~:~ ~~':,.~o;:~~:,;; e::..::~ =:;'~~,=I.\:.1o. oJ =::.:::
"'iLICAN r O""f1L,tcANT
Tho'oI_ng _...on., 1 .M 2, mUI'IM .n_..d'a _rml.. my (our) oIl,lbll,ly 'a' lno........, yES HO ;g.,a ,Ill
1 (AppIocabl. 10 hfo 11...._ ......g. only) WI' you be undor ago 70"" Ihlt <lIt1.? 00 0 I U U
2 lAI>t>hcobla to dooobtllty 00....00 DIlly)..... yDU undo' ago 1I6 on 11Io. do.. AND ... you ptOoen1Iy _ng ...."" yo.r 0 00 '0 00
homo for -ge. or ptoIIt tor 30 houro or ITlOt8 par ....k .nd ~... ~... .. _"'lIg for 30 day. or moro be"'" Ih.. dolo? i
I. addl......., II ",ur loan ....- ~ Iho IOIIDwlng _"tIon m... .100 be ..._red 1ft _, 10 dolo""'", "llI.lllllly, I
3 Dunng !he I... - yo..., h... you bes. m_1y .dv1aad.' or hOl,d tor ca._. "'.~ ._ or oorDll&ry orloly dlA...., 0 0 I 0 0
"raka, -.... or Aoqund Irnrnuo. Dot....., SY"dromo (AIDS)7 I
My (ou'l.n...... to tho ,bov. qull_, a.. \tv. .. !he beOl 01 my (..., _. .nd tlaI.., "my .....ppl<CIm a, I .n_r 'No' to quo'lIaOl I Dr 2. ... Unda..t....1hIo \I01IOlI
I. nat "9_ for IItrurar&ee IIIId'IMII not be Inlurld "my COoappKant or r 1f11WW~... toque.bon 3, we CM'Idrlratand that M Ir. tl9ble forlrlCuratlce up to an I ntnot 'XCMdlftQI
1U2
The .rr_ dal. of my (our) lI'urenCO...O be tho dele ., till' .ppbc...... Any porion who In-..gly .nd _ Intt.'ID da',oud.ny In....._ c_ny Of , \10...... filao
.n .PP"cadan lor In.....1IUI Of .....,."t of claim conlllll"ing Iny tnlltertaUy fal.. lnfotm.tlon or ccm....b lor the purpo.e 01 ""....dlng. inforfNIdon CI e'''''ne Iny fact
lNI.rll' the,.. COIIUIUta. fraudulent ,nl\lran,. let. which... cnrne Ind lubJlCta IYCh perH" to CtilNnat Ind cwl! ,enatt..
00 DOt IIgn thl, 'pJIIlclbon ., I,..., a"pNeab" eplCI' .,. blink. TN, ."lIcatlon will not be .....,". cont..t If all applicable blink apacn hi" not be. cCHWp...... 1M
debtor h.. no! ......d Ind dated the Ippllea1fon and If the application has not be,n ~tne'''d
CREDIT INaURANCI: APPLIED FOR,
NOTE, ONt.Y ON" APPUCANT MAY APPLY FOR D1SABI
.MONTH Y PREMIUM PER Sl00 00 OF OUTSTANDING LOAN BALANCE
o Yes 00 No Joint L~e S 102' 0 Yes 00 No Credit DisabiIt
0-0-- I
5ECONCARV BENEfICIARY ICO-APPUCANT,
.
.
'2
,.
?O
2'
"00
.,..
..Do
....
$227
02..
No orElful
........"'" ."....1rMneI
~ ~e.::...,. WoflI"i~~
..
:n
..
..
..
..
. ,..
'173
,,,.
$.15:2
. ,...
. "'
52
51
..
...
II
72
1131
. 120
'122
S 11l!l
$11.
. 111
..
u
811
,..
1\2
'20
. ,..
1\01
'01'
'0"
. DOll
...,
EXHIBIT "e"
I
I
I
I
I
I
I
I
COPY~UCHT 11i1l1' "","","ot. '-'''''-I.' Comp.n__, InC ~. 'WI" '~H
,
IMHC-~M1 J7 A
MHC"'1~300 lA8ER.Y.oRD F 42702 R.... 1m
BORROWER S NAME
JEANNIE B MOHMANO
lOAN Nl,,)WBER
132444
ACCOltHT NUMBER
274746 -02
OAlE Of LOAH
11/2312005
~~S,t;A~FfR'b~~fs)THE WORDS "CREDIT UNION' MEANS MEMBERS 1ST fEDERAL CREDIT UNION THE WORDS "YOU: "YOUR' AND "YQuRS' MEAN THOSE
CREDIT AGREEMENT
You agree to the terms and condabonl of thtl ..ment Ind any futu,.. MM1ndment,
thereto,lnd prtIlTIlle to pay the aedlt umoo ., amounu. due
Acfylnft.: You understand 1111I1 you Ny ObtaI" toan .dvlncel undlr ttM. O"."..nd
Crodrl Plan by .... of III. follOWIng methO(l.,
I, ""t"'ll . pro.pnn1ed III.... cnft thot III. ...dd umon'" ...pp1y 10 you.
2 rlque.trng . loan IdY.n~ WI person,
3 requelbng I loan advWlce by uM or an automa1ad Ittler mactnna
C, ull of an l~tOtnlIId I"~ machIne
5 ual of audio rtlponH IYtWm (C.. 24),
B by loIop/lonl,
7 """"'D . PNpMled loan thft tt\at tha a.cbI unIOn 'MI IUPPIy to you.
You Igne "'at Joan advIinc.. under 1hIS Open..end Credd. Plan IgreemtlM CIIn only bt
"",'lld by you or '''Y MhQnud ullr of the acee.. daYICe' ".ted lboq M
AdvoW\CA takln by Iny IUt~nzed Ullr of 1M Ieee.. MV1Ce1 ItliN aboY, 1M. bl
.....d ..an adVance ~qn by you You UftCMratand thlt all ~I ,...."t bl made
~d=e th~r:I~-':I~: =:r~hl nght to refuse 10 makl any advanGe
FvtUl'll AecI.. o.vlca., Your appkcalJon for thit Ope,....nd CMit P'-n 'erve.... I
reqUISI to rectNI a;:r new Ieee.. dih'tCe'1 whch may be ~.Ible allomD fulure
:; Q7::.~~=t:~I::~~::~:'=U~.~.~::=ntoyr:~u~ the time
undemlnd thlt IJ\a tlrms Ind conditions or thll Open-end Ctedll Plln ~ go~m Iny
loin Idvances made WIth thaM new acee.. devJcl.
C,..dtt llmltl' Advlnee. l"a"'ll )'Our open.end c.-.dlt plan W1l1all\O 111M, In Iota!,
.xce~ thewla. lee tonh 11"I thlloen polcv of tIl. credit urnon
Advance. on lKUred lalnl WIll depend on the v.tue of .ecunty afflfld at 11M Ii""" of
NCh advance
PI)'ftMlnll: The mll'lln'lUm poIyment IS .~ 1ft Ihl (:I!IdGI~ ,I.t_ment Th_ I1llfllmum
poymont end _ cIIt. WIlt be "'Ind d,Ido.1IO on YOU' .1I_I.r _nl Tho
peyrntnt Ind duI> CIIte chtclosed ""be b...d on the P'YlMnt hqweney ....cted by
)'Ot.l .nd the amount of your cutltlndil\G bllance I. the Md of It'll rnanth '" 1Nhlch an
actvMCa II made Your nwwnum payment WID 1\01 chenG' um... ~ou r.qul.'
~:Q~~~'~=e~t;,':'":~~ ~::rl::l.oa::=:~:ln
requod on nch loan Kcount .. long I' .ny balanCl IXI.lI
AIocaban 01 Pi'.,...... and AcickMMI "yMlnte PaY'"~t. end credit. thaU be
Ippbed In Ittl folowng order Iny lmounts pa., due, .n)' fe.. or chlrgll O'MnQ,
lneludlng any "IUt"I~nvum.. Ic:en..ld ",te,.., or rtnlncl cnerg..; out.tan=
~:':"=~I 1ft IddlbO" 10 I'lgu1arty Icheduled IN.yrMntl wi be . lid
La. C1\arO": " you rnakt alall payment, you Igreelo PlY a 1.1. chalrge If one I'
eilcloUd on page 1 of Ihr$ document
C,..dJllnlur1Inu; If YOu choo., yCkln~ credit hf. Indfar dlSlbIllt)ll'\luf"lnc.e~h'
~:~r;::= ~~3:.:-:~ ~1~":.r~;'c:".~=;CSe~~a~~=.'~~::n c:ctl'
~~.:: ~:'nvcr:~~~IO;:Ju~:::'-:'~ :'=':::J.I~:: ::== to
thl Annuli F>>en:entage Rate ~lctrUed
Default; You snla be CCMldered WI d.r.u. If Iny of tt\It folloWlng OCCur (1) It you
bra'" Iny prom,.. made under IhI. C..cht Agralment Of und.,.. 5<<wmy
~nl, or (Z) If you do \'lOt ultlhe money the credit unIOn IchancedllO you ror 1M
c:::,~eh~l= K1 Y014~fa~:e,,:~~c;=~h~':'.=~~~.nYIIl
impoolld. 01 (4) = die, 0' (5) d you fill . poll1lon In b.nkruplcy J In..""'ncy, 0'
,.ClMlrtJupor.... put ~untllnly Into IUch pnactedlnga. or~} 1J1h. coI...r.I, If Iny,
- II ncunly 10'''' ICCOUnI"los~ damlved 01 llo.troyed, 01 ~ d 10 _d
~g~~,~::::,.~~::~, r{.~ ~:;:.~ ::t.&.,.o::::::, ~l-=:;:or
untO,.,'. OptIOn. ded,N tnl accoun1 m......d1.te~ &Ie .nd plyable, and)'ou rTalll
~"':~YII~ :.~~ u::n~~::1 ~ ~~~~I~:'=n:~ =::;'::'
~~~I~dl:'~::~ c=''c::~~~~~~r=nn:1 ..=riD~p,::,~:~.':
:cpralNIS, .nvwvnmen1aIUI I.....men&l, ca'UlfIy danV' COftntgt. lAd
pr=~Y~.'=:~~7n~~;I::~ ~,,:.-::.m~:::,: ':'::n~=.,r:
lor ~YmMl, ~.U&I medlabon or Mldement nefOSl*nl.Ifl:YI "".I'd ..........nl.
~~,u::u:':u1 ~~'";;,::'I~1:;."7 pu~ moll ,.~r.;::=o,
~U::::~::....~:::r::n~':a::~r:rn~:,:,:=.:u, ' :.= :=-~~~t,..
=~t:lI~:'I.::r:~ :'=::C~I~~' and .ppeall The pnn_ ba~ IA
S1alutary u.n. If you .... '" dlloull, _rei.... _" 1110 credll n IIlo rigIItlO
IppIy ... b.loncl of .h.... _0( d".llond. 1\ your o<<ounl(') .1It1 bmo 01 dol.u" to
...,.,..1hl. &Dan, Onc. you .... ., defellh, the ct'IIdtt unton 1M.,. etOH thll noht
'MttuMJt fur1h.r natlee lei you
DoblOrRnponllblllly, y.., ptOmIOO 10 noIIIr IIlo croat UtllOI\ 0 .., d1_lnyou,
:.r:It'~~:'~~:::'a:~Y~=I~ b:1~naf:'rof:;:y ~n know
aeeonilnQ IOUtllem\l ofUt. cradll....n.lOn Vou pt'OfI'lde to "" rmthe~' unlOft of
~rt:I:::,~~o~=::~.~=~~~payr:c:r :~::=V"
your credttwonhtnlll, cr.d. standing. or Ctlidlt capacny
~:~.toU~::~~I=:e::n~;. ':r~::~h:~";:J "': au;=r"=t .AI
ptI<.ono cotIod ~~..., .gre. t.1Ilo foIIooMnv
1 Thel ."1 term. "YQf,j,""your," -youra" Ippty 10.1 at"'m
2, That each II tqualy ~.bte unclar Ih. *O"I1"*,t to tuff. I
Coandltlon.
Thlt ..en Df f)lm '1 named .... _gent of .,. o"r lor the
Ind ntCll\lll"lg Io.n IlCIvanCl"I under the I~ent rw;rwln
That .ny ftObc;. fMIIttd 10 one "'all De conlfdeM ftlMJCl
You undlrlllnd thll you may I"ImDW you,"" rrom felpan
Iny ...... by no1lylng 1110 ...... U.1OIl Nt -1IIll _',
you tram Iny IIabfhlltl .lreMy Incufftd
rermll'tldon: You understlnd thl' the ClWdlf union I'nIY temwnl thl. Ct'I'Ctt Ind
'Kunty agrwemant under "'e toJlovMg conOtIOnI.
1 Upon Idverse ra-evlluatlOn af your crlCfdWorthlft...
2 If you '''04.111:I f.. 10 me.t thl ....,... of 1M Igreements
3, At your opc.on, or the credd untOn', apttCIn, with gOOd cau.. nd upon wntIel'l
-,
You under.llnd lhll temunalton WIll not aWed tollr ObllgllJOn la
outl\lndng mcunad pnor 10 notICe
AclcfitlONI Prg.ylalon.'
f You agree to pmVJde the CI'Idtt unIOn 'MItt . CurT_"t fin.n
rlque.1ed and lItal DO .wane. WII.I be made un~ thl ncfd
the fInanoal'lIIllment
In c... any provtllon of..... ....mant II h'kllnvalld far ..ason auch
:':'~~~lr:~=::~ ::-,l=~J:=I:Ylr · lemenl Bu.....
fuY~~=n~~-:'~:~ ::r~dl==:J :::c:"'n, and the. you hII....
Contractulf PCIdee of Shalrel: You pledg, al' YO" .haN. a .,..tta In lit.
eN.t unlon.lncludmg future Iddlltana, II IMvnty'or ... .. under It,..
~':::c'ftdc:::,~ntol~l;:y="~~I~~\:::,:::t.~~~n 'Y:'-:I='''
ntc:ludll'l cab of CollHt'on Ind "'.onable Iltomeye rw.. No Uen Of ""1 10
I,"pt... I hen on .hlre, ancr .,01'" 41\a.11lpplr to an)' of lha.... which
meW' bl held In an "lndlvitkall Retirement Account"" or "Keo 'Plan"
NOTICE TO CO-SIGNER
You ere beong aslced to lIUl1rantee IhIs debt Think carefully belora you dO If Ihe bC>mlWll' doesn't pay Ihe deb.. you WID h."" to Be au,e
pay If you heve to, and lI1.t you want to .ccept this I1llponllblbty
You moy h.... to pay up 10 Ihe fun amount aUhe debt t the bOrrowe, does nol pay, You may allo have I. pay Iale fees ot collection coati,
thiS emount
The Cf8d~a' can COIleclthos deb.lrom you wlthlllll filJlllying to COII8Cllrom Ihe ~ The credl'or can use tho same coDection method .gainst you thaI
can be UIed agamst tha bo,rower, such as IUIllO you. gamlshlng you, wage.. etc, If thiS debt IS eve, III default, thai fact may become a parl of your cretIll
,acord. ThIs notJce is not the canlnlct thet ma~el you hable fOf the debl
CREDITOR BENEFICIARY IPOUCYHOUII!R)
MEMBERS 1st FEDERAL CREDIT UNION
BILLING RIGHTS NOTICE - KEEP THIS NOTrCE FOR FUTURE USE
Thll notice con'81ns Importanl inlarmetlOl1 aboul you, nghts and our
,eoponSlbtld..1 und....the Fair Cl1ldl' B,llng Act
Nollfy Us In el.. 01 Emln 0' Questions About You, S'at.mon.
"you think your slalement Is wrong, 0' II you need more Inform....n aboute
InInsaa.on shown on II, wnte to US a. th'lIddrllss ~sted on your statelTl8nl,
as 10"" as pOSSIble. We mUlt hell( from you no /aler than 60 days elle, we
lenl you the first Itllement on whIch the efTO( or problem eppe.red. You
may lelaphone us, but dOlflg so will nol preserve you, rights,
In your leite" g..... us the folloWOllllnfa,"",uon
I Your neme and account numba"
2, The dOner emounl 01 the sUlpacted elTDf
3 Oesaibe Ih8 <<,or and explain, If you can, why you beheve Ih8re Is an
error, If you need more Information, describe the Item yol.l are nol sure
.bou'
Your RighI. and 0., Responsiblllll.s Afte, Wa Racelv. Yau,Wrll'.n
NO'lea
We must 8Cl<nowIedge your leite, Wlthm 30 days, unless we heve corrected
the Irror by then. ""JUhWl 90 days. we must either corred the error or
explain why we believe the slalemenl was CQ(Tact
After we receIVe your teller, we cannot try to conlcl any
_suon. or repotl you as de~nquenl. We can conllnue t
amount you quesllon, IncludIng finenee cherges, and WIl apply any
unpeid emount Igllnst you, credit '''''1. You dO not have to pay any
questioned amount while we are InYesllg'bng, bul you a sun ob~lIoted to
pay the parts 01 YOU' stalelTl8nt thai are not III question.
,,- find thal_ mede a mistake on your stalam8nt you, WIll no! have to
pay any finance cha'lles ,elaled to any quesooned e t 1\ we docIn1
make a mslake, you mtJy ha"" to pay finance Charges d you WIll havoto
make up .ny nussed payments on the ques1loned , . In ..the, case,
we WIll send you e slatement 01 the amount you owe"" he dale that d IS
dUa,
"you la/I 10 pay the emount th81_ think you owe, we
delinquent. Howe_, ,. Out explanation does nOl sahSfy
us Wllhln ten days le1hnll us !he! you sua refuse to pay, ....st lell anyone
we repoll you 10 that you ha... a queSllon aboul you, SIlII . And, we
mUlllell you tha n,me of anyone _ repotled you!o We most tellenyone
we ,eport you to lh81the matte' he. been settle<l be_ UI when ~ lmalty
II
11- don't IolIow lhese rulel, we can' coIIact the first $SO oIlhe quell_
amounf, even i, your stafemenl was correct,
PAn" ? nf'
MEMBERS 1ST FEDERAL
CREDIT UNION
I
I
IN THE COURT OF COMJON PLEAS
CUMBERLAND coUNTYJ
PENNSYLVANIA :
PLAINTIFF
Vs.
NO.:
JEANNIE B. MOHMAND
DEFENDANT
; CIVIL ACTION-LAW
VERIFICATION
I, Atlanda Dintaman, Collections Officer for Members 1 It Federal C dit Union,
being authorized. to do so on behalf of Members 1st Federal Credit Union, h byverify
that the statements made in the foregoing pleading are true and correct to the est of my
information knowledge and belief. I understand that false statements are mad subject to
the penalties of 18 Pa. C.SA. Section 4904, relating to unsworn falsification
authorities,
I
I
I
Members 1st Federal cre+t Union
I
I
I
I
BY:~~-
I
Arlanda Dintaman, COllfctions
Officer I
8
p {Q. 8
1- ~ ,...~ 0
() C":l
^ c:: c;:.:.) -n
--./
s:: <- ~:n
\:t. . "::') ~ -:,1--/ ~":r-,,,
~ (~.,~ --"... n1r-
..-tt_ -nrn
- f11:::J
~ f'V l':;~)
"""- ~~~
\) n ~ -''J
.-10:._ ~'"",m
~ ~ C~) >::~
.~
.:;:,- :U
, ~ -<.
.-.c::
..,.. ~-...
Karl M. Ledebohm, Esquire
P.O. Box 173
New Cumberland, P A 17070-0173
(717)938-929
MEMBERS 1 ST FEDERAL
CREDIT UNION
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
Vs.
NO.: 07-239 Civil Term
JEANNIE B. MOHMAND
DEFENDANT
: CIVIL ACTION-LAW
PRAECIPE
TO THE PROTHONOTARY:
Please enter judgment in the above captioned proceeding in favor of Members 1 st
Federal Credit Union, Plaintiff, and against the Defendant, Jeannie B. Mohmand,
as follows:
Count I: Judgment in the amount of Twenty-three Thousand Eight Hundred
Thirty-six and 87/100 Dollars ($23,836.87) together with interest at the rate of
$4.3131 per day through the date of judgment and at the legal rate on and after the
entry of judgment on the complaint through the date of payment, additional
attorney's fees, if any, and costs of suit. Judgment is entered pursuant to Pa.
R.C.P. 3031 for failure to file an Answer on behalf of Jeannie B. Mohmand to
PlaintitI's Complaint within twenty (20) days of service thereof and after a 10-day
Notice was sent.
'r
Count II: Judgment in the amount of Twenty-one Thousand Five Hundred
Seventy-seven and 75/100 Dollars ($21,577.75) together with interest at the rate
of $6.6620 per day through the date of judgment and at the legal rate on and after
the entry of judgment on the complaint through the date of payment, additional
attorney's fees, if any, and costs of suit. Judgment is entered pursuant to Pa
R.C.P. 3031 for failure to file an Answer on behalf of Jeannie B. Mohmand to
PlaintitI's Complaint within twenty (20) days of service thereof and after a 10-day
Notice was sent.
Date: March 6, 2007
I hereby certify that notice of intent to take a default judgment was forwarded to
Jeannie B. Mohmand by United States Mail, first class, postage prepaid on February 22,
2007. The aforesaid notice was contained within an envelope bearing the return address
of the undersigned. The notice has not been returned to the undersigned as undeliverable
or otherwise. A copy of the notice and Postal Form 3817 are attached hereto and marked
Exhibit "A".
r
MEMBERS 1 ST FEDERAL
CREDIT UNION
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY,
PENNSYLVANIA
VS.
NO.: 07-239 Civil Term
JEANNIE B. MOHMAND
DEFENDANT
: CIVIL ACTION-LAW
IMPORTANT NOTICE
TO: Jeannie B. Mohmand
4020 Lisbum Road
Mechanicsburg, P A 17055
PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, I AM
REQUIRED TO INFORM YOU THAT THIS LETTER AND ANY SUBSEQUENT
CORRESPONDENCE OR COMMUNICATION IS AN ATTEMPT TO COLLECT A
DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT
PURPOSE.
YOU ARE IN DEF AUL T BECAUSE YOU HAVE FAILED TO TAKE ACTION
REQUIRED OF YOU IN THIS CASE, 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 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 A venue
Carlisle, P A 17013
(717) 249-3166 or (800)990-9108
Date: February 22, 2007
U.S. POSTAL SERVICE CERTIFICATE OF MAILING
MAY BE USED FOR DOMESTlCANO INTF.RNATlONAI MAli nn~~.vnT ~il
PRO' ~v,i ~~ ~
R /:, /--~0..' ~
Karl M. Ledebohm, Esq. I ~~/ --<'1 '\~ ~ .
- P,O. Box 173 \ ~(. ,~'CP'~
- New Cumberland, PAl 7070-0 173 ,-~. 'i'~ ,.;;0 ).;
\..,,- / ()
~.,.",'- -", 0 ~~
One piece of ordinary mail addressed to '-... ',.' pc:, on J:
) ~? Itl d.' rn n '"
e '. I I ~ N,......., 2>C.o c~ t/)
;.~ ann: e. ,., o~;a n ~"-' 8i~2i~t
'jOl0 L I ~ . L J rn 1)1(.0 ~'.-J;1l",J
. ~ _J _~ - . ~LT1 (~C)S> ~
fVI~ ch Q. n j'c.s bu (Q PA '7C ... ." fi ~
..J j;
PS Form 3817. January 2001
EXHIBIT "A"
~ -,:iJ (:) ~~
~ 'l
0
.... ()
~ n .......)
-- ~ c..:: = 0
~_':':.>
~ ..~- --J -n
Vl -J ~ ::;:l
~ """V :i.,;-"~ ni~
... ~ ~ :;:::J
~ - I :<r:SCY
W ...0 ,.c"-.., I
P \,-~ (}
(" 1D -0 :':':;..l-'
~ r .-.. ;:C)
Co.) :5lTl
:-..-\
a .I>
::-.0
0 -<
) 0 ~
:-!)
'i ()
00
......... ?u -V
~ ~
() F
() ~
~ ~
...J
SHERIFF'S RETURN - REGULAR
CASE NO: 2007-00239 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
MEMBERS 1ST FEDERAL CREDIT
VS
MOHMAND JEANNIE B
STEPHEN BENDER
, Sheriff or Deputy Sheriff of
Cumberland County, Pennsylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
MOHMAND JEANNIE B
the
DEFENDANT
, at 2025:00 HOURS, on the 30th day of January
2007
at 4020 LISBURN ROAD
MECHANICSBURG, PA 17055
by handing to
JEANNIE MOHMAND
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Postage
Surcharge
ill,,,Jo-t Cf-
So Answers:
18.00
12.32
.39
10.00
.00
V 40.71
r~~
R. Thomas Kline ' ,
day
01/31/2007
KARL LEDEBOHM
By: ~ ~/
eputy Sheriff
Sworn and Subscibed to
before me this
of
A,D.