Jackson first aid squad sued by u. S. Bank over $88k in unpaid equipment financing

A newly filed lawsuit alleges missed payments and default on leased and financed equipment tied to the township volunteer squad.

Toms River, NJ – The Jackson Township First Aid Squad is facing a civil lawsuit in Ocean County Superior Court alleging it defaulted on equipment financing agreements totaling more than $88,000, according to court filings.

The complaint, filed March 19, states that U.S. Bank National Association, operating as U.S. Bank Equipment Finance, is seeking repayment tied to multiple agreements involving leased and financed equipment used by the squad.

According to the filing, the agreements date back to March 31, 2021, when the squad entered into a lease for equipment requiring 60 monthly payments of $181.91. The lawsuit further outlines a separate financing agreement executed in December 2022 involving quarterly payments of $6,563.25.

EMS Director Al Couceiro, who ran for township council in 2025, has not made a statement regarding this lawsuit. Earlier this year, the EMS Squad, according to township officials, failed to pay its insurance bills. Those bills were reportedly paid by the township and later reimbursed by the First Aid Squad. Two years ago, the township gave the EMS squad a $250,000 taxpayer funded subsidy in two $125,000 payments.

According to IRS filings, Couceiro is paid $90,000 to run the volunteer squad.

Key Points

U.S. Bank filed suit against Jackson Township First Aid Squad on March 19
Lawsuit alleges default on lease and financing agreements totaling $88,099.43
Case filed in Ocean County Superior Court as a debt collection matter

Multiple agreements cited in default claim

Court documents state the original lease agreement was assigned to U.S. Bank after being executed through Marco Technologies, LLC. A later financing agreement tied to Stryker Sales, LLC equipment was also assigned to the bank. The complaint alleges the squad “failed and refused to pay” under the terms of both agreements and is now indebted in the amount of $88,099.43, excluding additional fees, interest, and legal costs.

The filing further states that U.S. Bank has demanded both payment and return of the equipment, but claims neither has occurred.

Equipment and financing details outlined

Documents attached to the complaint show the financed equipment includes multiple power load systems, battery chargers, and related emergency response components, with total equipment and service costs exceeding $130,000.

The agreements outlined structured payment plans over several years, including both monthly lease payments and quarterly financing installments tied to the equipment acquisition.

Case filed as debt collection matter

The case is classified as a “book account” debt collection matter with no jury demand, according to the civil case information statement. U.S. Bank is seeking damages, return of the equipment or its fair market value, along with interest, attorneys’ fees, and court costs. The case remains pending in Ocean County.

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