HomeMy WebLinkAbout96-01772
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PENNSYLVANIA STATE BANK,
PLAINTIFF
IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
NO. 96-1772 CIVIL TERM
GEORGE J. ADAMS AND
BARBARA ADAMS,
NO. 2184 CIVIL 1992
GUARANTY
DEFENDANTS
PETITION FOR RULE TO SHOW CAUSE
WHY A JUDGMENT SHOULD NOT BE REVIVED
AND NOW, comes Pennsylvania State Bank by and through its
counsel Thomas M. Davlin and requests a rule to show cause Why a
hearing should not be held to determine the revival of a judgment
lien under guaranty agreement against Defendant Barbara Adams
only:
1. Plaintiff is Pennsylvania State Bank, a Pennsylvania
Charter Bank, represented by legal counsel Thomas M. Devlin,
whose address is 1802 Market Street, Camp Hill, PA 17011.
2. Defendants and particularly Defendant Barbara Adams is
represented by legal counsel Robert Chernicoff, whose address is
2320 N. Second Street, P.O. Box 60457, Harrisburg, PA 17106-0457.
3. On or about April 2, 1996, a Praecipe for Writ of
Revival was filed on behalf of Pennsylvania State Bank addressed
to the Prothonotary for the revival of a judgment entered to the
Court of Common Pleas of Cumberland County to 2184 Civil 1992 and
indexed in the judgment index against George J. Adams and Barbara
Adams in the amount of $100,000.00 with interest at the
contractual rate of 8 1/2% plus costs and attorneys fees.
4. Thereafter, notice of writ of revival was issued by the
Prothonotary to George Adams and Barbara Adams noticing the writ
of revival and requiring them to reply within twenty days after
service of the writ to file an answer or otherwise plead to the
writ, or by failing to do so the judgment of revival would be
entered.
5. On April 22, 1996, Defendants entered an answer to the
writ of revival raising the following issues:
a) That the $100,000.00 was an overstated amount; that
is, over the amount actually due and owing.
b) Demanding proof of the amount sought.
c) Alleging the matter stayed because of the
bankruptcy f 11ing of George J. Adams in the Bankruptcy Court for
the Middle District of Pennsylvania to case number 1-96-01000.
6. While it is admitted that George J. Adams did file for
Chapter 7 bankruptcy relief and his case is still pending in the
Middle District of Pennsylvania, it is expressly denivd that the
automatic stay under Section 362 of the Bankruptcy Code extends
to cover actions for this writ of revival against Barbara Adams.
7. With this petition, Pennsylvania State Bank is
speci fically requesting to move forward on the writ of revival of
the judgment lien against Barbara Adams only. The original
judgment lien was created out of a confession of judgment on the
guaranty agreements of George J. Adams and Barbara Adams in the
origlna1 face amount of $200,000.00. Said document is herein
attached and marked as Exhibit "A".
8. Subsequently a loan and guaranty agreement WilS revised
to reflect the lower credit line of $100,000.00. See attached
Exhibi t "B".
9. Plaintiff Pennsylvania State Bank seeks only the
establishment of its lien position with respect to the property
and after acquired property of Barbara Adams in its face amount,
but would on the execution of that lien move to conform the
judgment to the actual amounts due and owing.
10. As of August 12, 1996, the actual amounts currently
owing are principal of $46,928.23; accrued interest of $3,075.92;
accrued late charges of $216.00 plus interest accruing daily at
$10.61, continuing late charges, costs and attorneys fees.
WHEREFORE, Pennsylvania State Bank respectfully requests
that a rule to show cause be entered reviving a jUdgment for
$100,000.00 against Barbara Adams and in favor of Pennsylvania
State Bank or if a response to the rule is made establishing a
hearing date to address the issues raised with respect to the
answer to the writ of revival against Barbara Adams only.
Dated:
1/;/1L
Respectfully submitted,
-r&~:~I,t~/l1 ,j;J6
Thomas M. Devlin, sq.
Attorney for Plaintiff
LD. 1134993
1802 Market Street
Camp Hill, PA 17011
(717) 730-9878
GUu.uny
WHUUS, InveUou D.v.lo~.nt Group, Inc. thereinafter called Iorrowef) d...t.rtl to tnn.aet budn... with
Ilnd to obtain cr.dlt 'rota the ',nnaylvania Sta'e .ank (hereinafter calhd '..nk); and
WHIIIU$, .ank 1. un.UUna to u,tltnd or contlnut credU or .ny renewal thereof to lIorrower without lhh
Cuaranty:
NOW, TH[IIErOlll, in order to induc. lank to extend or cont iou. credit to Borrower, and in conald.ntion of
tt... pl'lll18V/i and the lUll of 11.00 and of other lood and valuable consideration, the lmd.r~l.n.d, .. luuty,
nlllJJ'H.t 1,1) the U_Uat1on her"indtn aet forth 1n pal'..rlph I, hereby ablolutely and uncondlthmally
ll'l.ar.,ntllt.'r. to Bank pro.pt p.y..nt when due ar.d .t all U_eN theuaftllr of any and .11 ...l.t inti Ilnd futur"
irut"btt.'\hIlIH/J Ilnd liability of ....ery Und, n.tllre and charact.r (lncludinl all ren.wah, extenslOll1t and
mu.Jlflc.:ot 10118 th.reof) fro. Borro...r to Bank, howl!Ioe\'lIr Mnd wh.nllo.....r cr.ated or arl111nl or .vidllnclfd or
...;qIJlrll.I,
I, Tta. ...ount 01 the undet'all1n,d'. liability hereunder .hall b. . lOO.OOO,OO plus accrued interest, The
undfil'slRllfid ..1'.... th.t the ..ount of Borrower'. liabilities to Bank aay Ira. ti.. to ti.e exc.ed th. sud
Ilmlt of thll undwuian.d'. liability hereunder wUhout in any way aUectin. the liability 01 the unduslllned
tlfirt.IlJIIltH, If no ap.clllc IWI is ut lorth h.reol, the llIlount 01 the undenlaned'. liability hereuntlur !Shall
tJli ulllulit."I,
2, Thls Guaranty ls .ad.. and .hall continu. IU to Ilny I&nd .11 such indebtedness and liability of 8')1'1'0"....1'
to Dolllk im:urr.d or ar1s1nll pl'lor to recelpt by Bank of written notice 01 the teraination hereof 11'01 the
lllllt'~nd","",dl ..ithout re..rd to collateral. or lJecurity, or JJuan,nths, or other obliaors, if any, or to Uut
\ollidity or .,fef:tl....n,.. 01 any and all ther.ol; .nd Rny .nd .U lIuch colhteral and ..curily and guonut1..:J
.uut othttr obl1llorl'J. 11 .ny .ay frOIl tl., to u.. without notic. to, or consent of the und.nlsned, b~ sold,
r,'It'IHi"II, uurrlil'ndered, exch.nsed, utthd. co.pro.ised, lii8h.,d, subordinated or .odlfied, wuh or ..1thfJul
cOrl',htl1rlll lOll, 01' .uch ter.. or conditions .a _..y b. at:c,ptabl. to Bank, without ln any .anner .ffoct1uq 0"
Imp,Il'ln~ that liability of the undenianed. It 18 "areed that the ter.inat1on of thl. Quaranty. in thp unoer
..r')r~li.'l<1, IIh.dl not relieve the underaisned froll liablUty upon any lndebtedness or Uability co...ered ttlQflfby
tl1l11l ~.xtllt 11lg,
1. It ill IIgreed that the underaianed'. IhbiL1t}' h'l'llunder ls Btvual and is Independent of an>' other
MlJ,lfBnUftS at .ny ti.. tn effect with re.pect to .11 or any part of the indebtedness of lorrower to Bank, .nd
that the und.ra1gned'. liability hereunder .a}' be enlorc.d re.ardlltlll of the ell:lstence 01 any such other
~uar'nt h$,
t, 1h., und.ral.ntd hereby ...1..... all noUce. of any character whataoe...er wlth U8ji)ect to thts Cuaran~y
IUh1 BOI'roliier'. liabilities to H.nk, includln., but not li_ited to: nottce 01 acceptance hereolj notice of
nvatloJl, exIst.nce or .cqu1&ition 01 any UabUity hereby luarahte.d; notice of adyerse chanl. in Borro'loltr's
(Ulllndal condition or of .ny othor hct .ffectinR undersilJnvd's risk he:eunderj .nd notice 01 d,,'ault, Tho
untl"rlli~n~d further Wily,. Pl'esent.ent, d..and, protest, Ind not ice thereol IS to any tnlltrUJIent represent 111'1
IlId...bledlllfl'lll covered by this Cuaranty, .. well IlJ .ny fi8ht to r.quire Blnk to lue or otherwh. enforce pllly.,nt
th(>rflof, In .ddHlon, the und.rlllln.d ",ahe. the ben.lll 01 all l.w. now or hereafter ln eff.ct in .ny WilY
l1eilin8 or rntrictin. the Ihbllity 01 the under. lined hereunder and wahe. all de'en.e. whatsoeyer to
ulltJ<tr"ll1ned'. llabllity hereunder other than pll)'WIent.
!i, II any of Borrower'lI oblilottons to lank sre nQt duly p.rfor.ed, tncll.ldlna the pro.pt plI)..nt when due
ot any ..f)Unt payable thneunder, .11101'1'0"'.1". ltabillths to lank .hall at bnk'. optlon be d....d to be
rllrth..ith dUll lind payable tor the purpose. of this Cuaranty arId the liability 01 the underBilned hereundfll',
6. In a<MUian to all oth.r IhbHity of th, under8ilned her.und.r .nd notwUhu.ndinl the Ii. it , H liny,
"I/'t fort h In parleraph hereof, the und.rsigned al ISO _'I'If.. to pllY to hnk on de..nd III coUs I"d uvftnulI
11ncludln!4 uuonllble attorn.ys' fe.. .nd l''Ial .1IpfJnflell. Io'hich .ay be lncurr.d 1n thfl enlorc..en~ 01 thlf
81)rIOWIf1"U hah111tl.. to lanle or the liability 01 the undenilnlfd hereunder,
7. Thlt under.l.n.d hereby luthorh., and ..pow.rs Iny Prothonotary, Clerk or Attorney of MIlY Cuurt of
hCtll'd tQ Ipp..r for Ind confu. Jud...nt ...1nst the undenl.n.d 1n favor of Bank, ill IucC'e'.orr5 or IlrHJIKnll,
fiJi' thtJ MUI lit 'orth ln plr..raph I hereo', with ot' without declaraUon fUed, with inter.st .lId (,;()PjtlS,
nPltJI'Mt of error, without .tlY of ...cullon and w1th 25\ .dd,d for collection he.. and the underelgnl1d fllrlh...r
i&llllll)nl'"n lhe i._diat, !aliul". of In appropriate writ of ,ucution upon which rlt.l or peraonal propl1rty .lI.y
tJ" /'mld withQut deh,y .. provided by llw or the 1:'ulu of c1\l11 prl.)c,dur, lovernln. the InforCvllumt of
Judl(..mtflj Ind the under.i.nld aho "'ah.. the riNht of inqullltion on any roll ..tate that .'V be levivd upon
tl) cullttct the a'*lunt due under. Jud...nt ubtained by vlrtu. h.nof, and und,nianed do,.. h.uby vo1untllr~ly
('lHut".1I thlP sa.. aud h.reby walv.e Ind rel'.fte.. III ruli" f.'o. any .nd .11 .ppr.1....ntl, ,tay, Ixv.plio" or
h'JIII"r.t.,lId la....!I of any Itat., now 1n fore., or hiltrVllfttlr paUlhtd, and any ti"ht to IIlClpt to, Itrike off, 0'1111l or
""'}Ili.l frll8 thlP Jud....nt 10 enured; Ind if a true copy of thh inHtru.'lIIt .hall b. filed In any Budl Ilcttcm,
It 'ili.lll /lIlt b.. neC(f8ury to U18 th" uri,.in..1 MK.. W"I'fIInt III IAUI)rney, IAny rut. 01 I.:Qurt to tho l.:tHlll'lny
nul.lthnhndtna. No sinaI. .urcllUf of the lore5l01111 Wll1'1'llllt and IKlwur to conhHH Judltaent Iih.11 be dlPl.lllllHI to
tfllll.HI'it th,! pow.,r, but It ahall continulf undl.lnl,h.,d ...Ild aay bll vXtlrciued froll t.i." to t1.e as ofttUl ..., Blink
lih,.11 If'lect, until _11 lUllS payable by the undlr;Jrsllfled h......v bvulI paid In lull.
~. To IUlr.l1re..ll abU..tions of th. undiltra1llnud hlfftlundttr, BIlnk .hall have a U.n upon and StfcurHy
lnlltrl.Hlt In (and ...)'. without dlt.and or notice of .ny 1011\11, at Iny tt.. and fro. ti.. to ti.. when any Rlllounl
lIhall h~ cllW and pllYlbl. by such unduaillnlPd heE'eunder. appropr 11ltB and apply toward the paywutllt of ijuch
;1~IlIJrlt, in ..uch order of application as lIank .ay .lect) any and all blllances, cred1ts, dltposlts, accoullts or
."II"~'h uf ur in the na.e ot und.rstgn.d now or hereafter with 81lnk IlId ...ny Ind all property ol .....,ry kind UJ'
d"'I':1'illl.illll or or In the na.u, of Buch undllrsisntl'd now ur hllflllllter, for IIIIY raaQon or purpas" whatsolt"''''f, 1n
HIP ,1<HlluHHlion or control of Bank,
.t. Th@ 11ltbll1ty of thtl' under.lgned h',reundtlr 1s ahsolutlt llnd unconditional .nd shall not bQ affttl:lltd 111
,111'. .,I')! by ruallon of (II) .ny fallure to retain or preSCintt, or tho lack of prior enforc..e'll of, IlUY l'lllht!i
111J..ill~it ..ny person or persons (including Horrower) or in IAnY propvrty, (b) the invlIolldlty of any lI\Jeh rlKhta
,,11\(;h .ay be atle.pted to be obtained, (c) any delay in enforcing or fllllurtt to .nforctl' Iny such rillMn ""un if
IjlJch rhthtH ar. thereby 108t, or (d) any delay in lI\akin~ demand un the undtlti'lisnud for p.rfonumce ur pl)~'m"nt
'If '-h... umlvl'lilsned's obli..tions h"flund.r.
10, If tht! underslllned consIsts r.f Illor. than onlP person, such pltrsons shall be Jointly and HevlHully
Ild.lJl,-, hltl'ltulIdlJr, This Cuara(!ty shall inure to the b.neftt of Blink, its SUCCtl'SSllrS, Issiln9, endorse.!) alu1 .n~'
p...rn"f1 Qf JHH80ns. includ1nll Inr banking Institutlon or in!ltHutiono, to who. Bank aay llnnt any 1ntvl"efjt 111
"')I'I',I.'lfr'" liabilities to Bank or any of the., and shall bQ bindins upon the undersigned and the undvralMnlfd'a
M\",u!t.)r6, l&dmlnistratora, auccBaaorlh ...igna, IInd other legal rttpresentat1v.s. Th. under.1Rued lutltnda tl1i&
tn be a !Htaled lnotru.ent and to be l'Ully bound hereby. All 188u.,s arhln. hlreund.r .h.ll be .overlled by
the law of Pennaylv.nia.
wITNESS the due ex.cution hereof this
-\~ day ~t:.JW:'(\ b~ R-
~-4; ~~aL,,,,
-"-_ C4tf.A~'u~!,!?!~ ~~!AL)
T~: Barbara Ad..8
-~b_____n__'___
ADDRESS
90
. 19,r.
~ls.lXLo"n ~C>-i Q ~A.
I
11008
NOTE MODIFICATION AGREEMENT
THIS NOTE MODIFICATION AGREEMENT, made this 2nd day of
.Julv , 1993, by and between INVESTORS DEVELOPMENT
GROUP, INC., a Pennsylvania Corporation, having its principal
office located at 1013 Mumma Road, I~ormleysburg, Pennsylvania (the
"Borrower"), and PENNSYLVANIA STATE BANK, a state banking
association, having its principal office in Camp Hill, Cumberland
County, Pennsylvania (the "Lender"), to modify and term out the
Note dated as of December 12, 1990 (the "Note"), given by Borrower
to Lender to evidence and secure an original principal indebtedness
of Two Hundred Thousand Dollars ($200,000).
WIT N E SSE T H :
WHEREAS, Borrower has heretofore made, executed and delivered
to Lender his promissory note dated December 12, 1990 (the "Note"),
which Note is incorporated herein by reference and made a part
hereof, together with all the agreements, documents, instruments
and other writings related thereto, associated therewith and/or
referred to therein (collectively the "Related Contracts"), and is
indebted ther~under to Lender for monies advanced.
WHEREAS, Borrower has no defense, charge, defalcation,
counterclaim, plea, demand, or set-off against the Note or any of
the Related Contracts, and
WHEREAS, the parties desire to formalize their agreement for
this modification and amendment of said Note as amended.
NOW THEREFORE, the parties, in consideration of the mutual
premises and covenants herein contained, and intending to be
legally bound, hereby agree as follows:
1. That the introductory clauses set forth above are
incorporated herein by reference and made a part hereof as though
set forth more fully below.
2. That the present principal balance of said Note is
$47,933.68 and that no future advances will be allowed.
3. That the interest rate on the Note shall be and is hereby
amended to be 8.25% fixed until the revised maturity date of July
1, 1996.
4. That the Note will be termed out with monthly principal
and interest payments for a three year term calculated as follows:
Principal and Interest payment of $408.43 monthly the first
year.
Principal and Interest payment of $491. 64 month 1 y the second
year.
Principal and Interest payment of $550.05 month 1 y the third
year.
Exhibit "B"
-'
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
On this the d-nd day of :Ju 110.... , 1993, before me, the
undersigned officer, personally appeeted George J. Adams, who
acknolwedged himself to be the President of Investors Development
Group, Inc., a corporation, and as such officer, being authorized
to do so, executed the foregoing instrument for the purposes
therein contained by signing the name of the corporation by himself
~s such officer.
IN WITNESS NHEREOF, I hereunto set my hand and official seal.
<--~~f,~~ ·
COMMONWEALTH OF PENNSYLVANIA Ni.JTAniAL SI:,'L ~
rEGG'( ,J ELOEFl NOfJr,l Put:Ii<; I
I.lImO',l1v (!,.:.rQ. Clorrr.t; fI;~f'd 1.;0
COUNTY OF CUMBERLAND M,/ Comm""on F,>L"'" A,,~, ,0, 19,3
On this the ,;;rr::i day of .:::TClu, ,1993, before me, the
undersigned officer, personally a~ared George J. Adams and
Barbara L. Ada.ms, known to me (or satisfactorily proven) to be the
persons whose names are subscribed to the within instrument, and
acknowledged that they eX6cuted the same for the purposes therein
contained.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
--'
~~G-O/,--,
I
NOTAnIAL SI:AL
PEGGY J. ELDER. NOt3rl ~ub:l(;
Lomo"nc BarrJ Currt.;rl<.1('lIj Co
, EO , ..~ ~",' :0 l'"I'i3
My COIT,ml~o;:(lf1 ,If.lr.,... " .'t' ... ~
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
On this, the7 day of -::T~/u , 1993, before me, the
undersigned officer, personally ap~ed William V. Freeman, who
acknowledged himself to be the President & CEO of PENNSYLVANIA
STATE BANK, a state banking association, and that he as such
officer, being authorized to do so, executed the foregoing
instrument for the purposes therein contained by signing the name
of the corporation by himself as such officer.
IN WITNESS WHEREOF, I hereunto set my hand and official seal.
'---l~~~...~~~
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'~(.ji~;ilt.I.Sr:,\L [
rr::'_;~~(; ~LrJE:l :;:'<"1 "..l;"~
LL' 1.,',1'1,' ~JrJr'J C.~'r;,_ ',,'''':! '::;
r~~~!2.:;-.'2:~~:_~J.~~~.
NOTE MODIFICA'rION AGREEMENT
ft\A4l&.t.TH1S NOTE MODIFICA'l'ION AGREEMENT, made this ,...2l1d day of
Flhu lU~, 1992, by and between INVESTORS D!!VELOPMENifOROijP, INC.,
a Pennsylvania Corporation having its principal office located at
1013 Mumma Road, Wormleysburg, Pennsylvania (the "Maker"), and
PENNSYLVANIA STAT!! BANK, a state banking association, having its
principal office in Camp Hill, Cumberland County, Pennsylvania (the
"Payee"), to modify the Note dated as of December 12, 1990 (the
"Note"), to evidence and secure a Commercial Line of Credit
15000617-01 with a maximum principal indebtedness of Two Hundred
Thousand Dollars ($200,000).
WI'rNESSETH:
WHEREAS, Maker has heretofore made, executed and del i vered to
Payee his promissory note dated December 12, 1990 (the "Note"),
which Note is incorporated herein by reference and made a part
hereof, together with all the agreements, documents, instruments
and other writings related thereto, associated therewith and/or
referred to therein (collectively the "Related contracts"), and is
indebted thereunder to Payee for monies advanced.
WHEREAS, Maker has requested and Payee has consented to renew
tho above mentioned Commercial Line of Credit under the conditions
as stated below.
WHEREAS, the parties desire to fornlalize their agreement for
this modification and amendment of said Note as amended.
NOW THEREFORE, the parties, in consideration of the
premises and covenants herein contained, and intending
legally bound, hereby agree as follows:
1. That the Line of Credit amount shall be limited to One
Hundred Thousand Dollars ($100,000).
mutual
to be
2. That the interest rate on advances made against the Note
will be a floating rate equal to pennsylvania State Bank's Base
Lendinq Rate.
3. That it is understood and agreed by the parties hereto
that this Agreement does not constitute the creation of a new debt
or the extinguishment of the debt evidenced by the Note, as well as
any such additional and other security, is agreed to have continued
force and effect from the date thereof, unaffected and unimpaired
by this Agreement, and the same shall so continue until fully
satisf ied.
"
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Pennsylvania State Bank
I~ THE COURT OF CO~N PLEAS OF
vs.
CU~ERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAN
George J. Adans and
Barbara Adans
215 N. 26th St~eet
Canp Hill, Pa, 17011
~o .q6..1772
CIVIL
TER~ 19_
'tlRIT OF REVIVAL
TO C.pnr~.l J\rl;vnQ RM RArh;tY;i M;:vnA
You are notified that the Plaintiff has commenced a proceeding to
revive and cont lnue the lien of the judg1nent entered to
NO. 2 184
CIVIL
'l'ERM 19.2L
The plaintiff claims that the a'lIount due and unpaid is $100,000.00
with interest from rrv"ltr':U"''''''R1 r~t~ R 1/"}-.
You are required within twenty (20) days after service of this Writ
to file an answer or otherwise, plead to this writ. If yOll fail to do
so, judgment of revival will be entered.
Costs $ 92.19 M Attv
1.00 County
Lawrence E. Welker
PROTHONOTARY
Date
Acril 2
19~
DE~ () ht<"..~
Seal
Thanas M. Devlin, Esq.
Attorney for the plaintlff
lR02 MArket Street
r~ Hill Pil. 17011
( 717) 730-9878
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