HomeMy WebLinkAbout96-02749
3. On or about September 6, 1995, Defendants purchased a 1996 Fleetwood
manufactured home, Serial No. PAFLS22AB42114WC13, (the "Mobile Home"), from
Bonnie Heights Homes Inc., (the "Seller"), and entered into a written Manufactured Home
Retail Installment Contract and Security Agreement, (the "Security Agreement") for the
payment of a portion of the purchase price thereof. A true and correct copy of the
Security Agreement Is attached hereto as Exhibit "A."
4. Seller assigned Its interest In the Security Agreement to Plaintiff, Green
Tree Consumer Discount Company, Green Tree Consumer Discount Company
perfected its security interest In said Mobile Home by having an encumbrance placed on
the title thereto. A true and correct copy of the Certificate of Tille is attached hereto as
Exhibit "B."
5. Plaintiff avers that the approximate retail value of said Mobile Home is
$46,000,00 and that the said Mobile Home is in Defendants' possession but its exact
whereabouts are uncertain.
6. Defendants defaulted under the terms of the Secllrity Agreement by failing
to make paymtlnts when due. As of May 10, 1996, the Defendants' payments of interest
and principal were in arrears in the amount of $829.42. Pursuant to the Acceleration
Clause in the Security Agreement the amount outstanding as of May 10, 1996, is
$46,701,21.
7. Plaintiff provided Defendants with thirty (30) days notices of intent to
repossess the Mobile Home, A true and correct copy of the notices of intent to
repossess the Mobile Home is attached hereto as Exhibit "C."
2
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a. "'"CHAIIII ~.v. I~' OOllon ot b~Vlno t~' M.n~t'C\\lrlO HO"'I lor I~I c.1'~ 0"'" or bUYlno on ~r'Olt. T~I ,uh gllce " s~own Oil
.... , ..!tI. 'C..~ SlI. ""CI', I"d m. Credil gll" 'II~OW" 0" a.ge , II t~t 'TOII! Salt ""ce'. I .~OOSlIO buy 0" credit
:So IICUlIlTY INTIJIIST: I glvI yo~ a IICI,IIlIV Intl'"l In I~I M.nl.lllC\IJ'IO Moml Ind Iny a'o~eM'y ,odlO to II 0' anlcMO. The
purOO.1 for glv'"8 11I11 IIC..nlV '""ren 'I 10 SlCurt ",y obll8.110" und.. !?I" Com'll;t. I al '0 orl"1 yol.l a nc,,"lY Inll"," in anv 'nl....t
I "'.v h.VI ," ar.m,..", 'It.."dl or oro'IIO' unOlr ,ny Ins~"nel eo.IMO tnl Manuhel1;'ld Mo",o. "0"110 ....Vlt Inv aoalLcal'On
lor C'rtlll,", of Utll or ownerlnio. flnlnClng Slltemlnl or Oln" oo,vmenl nIO'"UI'/ to ao,foot YOU' SteuIIlV Intertsl ,n thl
ManufICl\ll'IO HOI"I. O"IV lhl Co..nlllll.rt "bIIIO 'ollg,na" mlY er..te a SIC~"lV ,rw,n In onll1ll 010.. ,ccordl"O 10 I~C U",Io,m
C:ommen;111 Cod. olllnotion 'n IHlet In "'""Ivl..nl"
e. 'AYMIIHTS AIND lATI CHAlIGI: I Will O.V Vov tnl amoyr'lt Shown IS tnl 'Total 11 p', ,"entl. ICcorOlng to tnl Oaymlnt ,,"edvl.
IIlcrwn 0" 0'01 I. I also 'Qr.t..lo~ellll!. O~..~ lor '11ILOOvml"1 II shown on ollll '.
" JlR..,AYMl7fr, I .HAVi H RIGHT TO PRiPAY ALL OR "ART OF THS UNPAID BALANCe OF THIS
CONTRACT WITHOUT AN NAL TY.
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~ All ConO,Ilon" _ WneelllAlln
.. IIMNINTERI'" CONT....CT, Thllll a 11"'0" ,me,," contract. Th. i"ltrUl ,ue il 10.15 'l4I 0" IMum unlll OIld
,n fuU. Imttllt will ICC"'" uQCr'l t", ""MD'I(' "rlnGIOII Oll.flce Ol"ltstlndlt":g ',om ~me to 71rr"1e. Tr., ~In.t'lc' C;1"I8';e. rot,1 of P,yments .nO
"vm.nl Scnt<lvl. wtI. oomplltlcl b...O 0" 1M Ulvm~non 1~1l CIymenl wrll co "'~' 0" tnl 1atts tchedl.lllO 10' g,y"'lnl. iii'"
D,,,,,,.ntl Will "Cluee my fl"11 p,ym,nt. Lit' c,vments Will Inert'" mv tlt'lll .,lly'111~n" M~ !'nil "uym'''t 'Nlll tle 'Qual to all vnO"d
........ Out undtl lhll COntl'lc:t. MV oromll. "Ow"' m. 10 ooy tnl II nil oa,m,nl en tn, dlte d'" even ,t 11'0 amount ot lnl """
r.ym.", oIH,,, /o'om lhl I",ounl ollh. tlnll OIY"'lnl dlICIOltcl.
. NO WAlI....'.TI.S: I 10'" tIllt !?Iere I" no wlr"nnn 01 any typ. cov"' no Ine M'lnutI01~red I-'ome. I ,m bvy,n~ tn.
M.n....Clllr'cl Mom. AS IS Ind WITH ALL ',IWLU .nd THE INTI'" RISK A5 TI) "'TM! QUALITY AND 'aiR~O"MANC! 0'- THai
MANU'ACTUIIIR' HOMI IS wrTH MI. I 1~lee l~.t Iny Im~".d wo..onl'! 0' me'e~lrtlb",tv .r'd ,n, ,mc',ed w,rrlnlY or "tnOlI tor.
prtlclllar O~'golt I" ,000,lllIlIy ..CI..cllO Ind clo nol eo.er tnl ManlltlC1I.1IOd Mom,. Tn" No Warrant'., orOYlIIOn 00.. not app'v 10
U'\I I."n, tflt" "IY I.w grOl'ubl" It .nd It dOIS MOt co~er any Slo,rate written warrlntles_
.. '1l0TI<<:TION 0' TH. MANU'ACTURID HOMI: I w,lI: III kilO tn. MI"ullC'Nrell Mom. ," gOOd conOltiM .nd nOI eom""t WIIIt:
1~1 D'V .111'.", CharOll and '01 .onldu. lor lhe Mlnu'.C\lJfld Home I"d tne '"' Utate It " roeall~ on; lei nOl mo.o, uSa ,1I'Ollly.
till. I.... or OI"'IW,1t trlnstlr the MI"~hel1;rod Mome; 101 nol ItI.en tile M~nufac:tufld Io1oml to Iny re.l. U:II. ancl In.
M.n....Clureo Ham. w,lI .lw'YI b. lrlll.d II OOrsO"11 o'ooertY vnllll y~u consent In WIIMO Ind sm, law Of,mIIS Ivon eO"I"'"
r.'Im.nl: Ind 1.1 n0111t Invbody till ~I.e Iny '"Weill" lnl MI"ull~l\jred Home,
. INSUIlANCIlI will kltg I~' Mln"'a~u'ecl Ham, Inll.lred 10""'" su,n Mli<I .no In sucn amount. as you may 'uson'bly "OUII~
wi'" In Inluran," eo",o'''y untfaC10ry to yo~. I willllTll"QO 10'YO~ to ~I ".mld a:; 'on OOVIt on tM Oolley 110"1 to g'o"~e ,ou
w,",.n Ivod,ne. 01 Inlullneell reO"'lIld by yOU I'om ~"'I to time. It you flnlncs t~e gU,cno," 01 ,ny Il.Icn ,n,u'a"e, fOr ml, I Will
reDlY YO.. to' till con 01 lhl! 'nlu..nc" OluS ,nllflllt 1.10 to th, contr.ct 'lie 01 Int.,.st. I lutnonn yOu to furniln Iccount d.t. to a
IIC.Mlllln'l.IlInClI;.nl 01 you' eno'c, 10 sl.Ie" ,genl mlY .0Iie,1 tnl au,e"..t 01 credll, proc,rtY, wat',"lY or Ol.n,r In'urance Ira",
- mi. I .or.. mlt "'. in.uII"CI OO"'OIny ",.v mlk' Iny glym,nts clUI ,,"OIF !I11 "ol,ey ollect!y to YOI.l, ~"O I d,reel In. inlu"nCI
- eamD.ny 10 do Ill. Yo~ "'.y do w~'lll'" you tl""k " n,e..sarv to bl IU" tfln I"y o'oeeedl of tIIo '"SV'lne. w,lI be ulld 10 reo," tne
. Mlnvf'CI\lI'IO Ho"', or o.y off 1"'1 COntr'lCl, I ~lYe YOI.II gowl/ 01 Itlo",ey Iwn,c~ I caMOl ~"CII) '0 t~l you m.y dO w~lte.er vou
,. neM to In ora., to coll.ct t". ir\lur1lnCe prclc:"d'. If I '111 to ObtaIn, m',r"Ir:!ln or gay f~r the reCH.llrld lr'lsur,n';I. ~, If f,il to a",nQe for
, "you to e. n.mlcl " lOll DaV". you m,., trI.t tr!.t IS I d,fll.oilt of rT'Iy otll.Qat1ol"lt under tl"ll$ Con~r.C1. Ind YOU m.y lhlolt are nOt
"'QUI'" nU DUrc/'\e" IUC" tnaut'lnt;e. If YOU "urc"." IUCI"I In."",nCI. I will Immellllt"Y reCl.Y yQU for any ,mOl"lntl YOI,J ID,nd In
p~~~,,'nQ Ih, in....."et. glUS In""1It UP to tMe CO"lraCl ,ate of ,"".est 0'. It yo.r oat Ion. gay you 0'" n"'e .. I wo,kOUI of tn.
ollllle,lon. I' I ClI\f1I' you for any Insu'Ince (or for lit. el"llr;e.. .norn.V 'ees f,H CQII,c'non COltsl. I ..,nd.'mnd ll'llt lOw, in additIonal
IUm far t"e",d,I:tt& b.vond my monthly pnnCIOII.nd Interut giyrnent. My mO"lhly ,.yml"l WIlt tI"Ie,.fore C. gr,ater tnan that Stated
on Din I ..mil ."e" addillonl' dl~lt are O,'d in full,
10. DlD'AULT: I will ~I in dlf,vll il: (11100 nol mlkl a o.ymont on tlm.: 0' 11111 co nol ~.o In, ot my otne' gromiS8I u"de' Inll
C:Ontl'let: or 111111 fit.. ell., or someone OISlIIIIl a caSt Igllnsl mo. I.I/Id" !I11 Unlt" SlIln ',n",,-otoy Code: 0' IIVI yOU tee' in good
III'" mil lh. M'M..I.C1~'1Icl ~o"'. II In dlnger or lI'llll w,lI "01 ~t sale to conM~' m, Olvm,"u. Tne "llult oeseflb'cll.lnder (ivl OOts
--1101 .pplV ,I l~i. Conlrect ,s OVI'lnloed by lIIe VOtI'ln', Adml"'ll/ltlon. You wdl gIVt me nOlie' 0' lnl d"11.l1t ..elPt w~.n I
volUr'It.nlv .~rr"cl" or Ib.nclon till M.nulletu"d Mom.. I Will "IVI t~t r'OM 10 cue tnl d"11.I11 cUMnO !I10 nOI'C' ~ollod, III do nOI
_ CIUIW \II. d"'~Il, yOU ",IY 00 eilner or bOln 01 Inl 'ollow,ng: 1.1 Ace....lllon: Yov "on ,"ow, me 10 ,m",.OiOl1lly OIY yol.l tnl Inllle
rem,'n'n~ ~lllnct 01 I~i. COntl',I;t; Ind/or Ibl AOllOt""IO": Vou can ,.DO'SU' t~e '.1lnUt.CtUIIO Horr,e. O"C, yOU get gOSS.5Ilon Of
\II. M.n~I'C\lJrell Mo",. yOu mlV 111111, II tnl ,,,,ount I,om tn. sail. ,~" exgenSh 'I I,IS :~In whOl I OWl you, r w,lI ~SY you the
.. dtHer.nCI. 1I111." il ,,,y orOOlrtY lilt In the Mlnullclyred Mo"', when you ,eoossln. 'IOU mlV o,soose 01 II as orovidld by IIw. If I
.'IUII. yOU can do whit""" 'I "''''11''1 to earrlC1 my Olfaull. If vou sglnd "'on,v 10 corrlct my 0111~11. I Will glY VO.. back
Immldlll,I't w'llIlnler'l'IlI Ih. conlrlcl rate 01 in!t,ut.
n. CUIlI 0' DfPAULT: I m.v eyrl , olta~1l Illny 11m, b,lo," Mil ~o :he Manv"et\/ru~ Home IS trln"erre~ f,om "'1. WMICn will bl
IIll1n.' dl" II1.r "'"01 01 t/l1 nOllee 01 o,I'UIl. To e..re tMI Oltoul!. I mull gIY
(.1 .1I.",ourlll w~iCh woulcl nlVI bnn 01.11 in In, Ibunee Of d,llu'llnd ,c,e,""ll~n,
'" r...O"lbll .no"'ly', II" 011.11 eovrt COlli aMd lel~,1 ou\-ol.goc.et ""n,u as 'vftn" dlf,c,C ,n ~."g"On , 2.
lei Iny 'II' .h"OIl !?III. "' clv.,
Cdl r"lOnl~11 COItI wnie~ '" 1C\\lllly incurred 10' dOl,cnlng .nd n-.nsoo~'no t~ I Mlnu'OC1ured Homl 10 lha sill 01 1111.
CII Dtrform .I'Y olh" obllOlllOnl u"cl" d.t.u\!.
_I mlllt "'0 glrform any Olho' obliOanon I woulcl havo nod 10 g.rlo,m In l~' .~"nc. 01 delal.l\!, I nlvo :~, n;nllO C~" . d,fault UD to
""M 131lim.. '" I"V elllndlr vo...
'a. IIIOTI<<:I: "':101 lor Iny no lice IIowed uno.r aco'loaal. law to C, gIV'" ,n onotner m.nner, III Inv nOlie' to "" grovidlO lor In
ttll. COntrl;t ,l'Iflll b, given In wtlting bV mall.n'lil !I"lCI'"i notIce t:ly Cfrtl'led mail. .ddre ISfd to me at t~, Mlnufactured Hom, addr'$! 0'
n _h Oln" Icldre" II I m.y dnonlle ~v not'CI to yol,l ,n WliMO, ,n~ Ibl Iny . ot,C' 10 YOU sn'.l be gIVln ," w"tin; by Ct~,f'lo
mill, ,..\Urn r.ctiOl rtoueS'lld. :0 your Iddr... S'laleO ner"n 0' to sucn ot~e' ad~reU as '01.1 m,v cur~n'll by nOl"l to m. ,n WMI'"g.
13. ATTORNIY'S 'lIS: If vou ~"I ,n 1110'"IY wno " nOl . 1I1."eO em glove. to COli oct wnll lOw. 1.1"0" Inll ConlrlCl or 10 Olt
"'..lSlon 01 \III Manul'C\\lreO Hom, 0' 10 enlore. my IQree"'lnlS nell,n, I mly ce 'tOv',"d to OIY 'lour "lSonl~11 .110,nIY's I..,
,Iut court eolU ,nd '~~II OU1-ol'DOeklt. ,.genses. II 'lilt IIW orO"dU 101 ~ Iimll 0.1 atlo,ney's teu I Will Day O"'Y Ihl l.o.'llInil.
,.. MIS<<:aLAN~OUS '"()VISIONS: This wlllt,n Cu"tllr,t " t~, ~nl. 10'UmOIlt tnll co.e'l my ou,cnu, 01 thl aroOtM'y. T~,s
Connel Cln only'" modlfl.d 0' ."".nde~, or C1'C1v'"on. 1/" It -"'llv'd IglvI" upl, bV . wtltten "'Od,f,c,Hlon to thl' CO""I':C slgn.ct by
yOU. VO.. IIn dIC:ld. "01 to use or Inloreo ."y Qt .YOl.lr n~n~1 uno.. t~" Conlrl<:t w,Vo", loa,no !I11"'. 'or txl"'plt, yo.. e.n ..lIncl tn.
Ilml Ill' m."'n~ som. OIV"""" WllnOUl ortond,no Oln"" II Iny g.rt 01 ln'l ConV,el c."nOl bl ,nlorCld b...u.. 01 I IIW wnlen
prch'bofllt. '" ot~.r girts can Sllll bt enlo'''~. I agile to glY YOI.I alllllowo~11 cn.;.s '0' ,no rel\j'" bv I dlOO"lory instllullon of ;
dltl'lo"or'd ct'\'CI, or Ott'll' ".qotiltll. instr',Jment to tl"'le full Ixtent grov1d'd by :}gglltlt:lle law. t agree tQ coooerltl Wit'" yo\,,! "'J,rdi"Q
en., 'IQlrJllts ane, ClOSing to correct errors mad. eonclrn1nQ tl"l,S ContraCt or tMe tr."uct:o" ,n':1 TO QtO\lIdl an~ ,,,d all IddltlOrlal
.OG~m.nlll'on dum'd n,eu..ry by YOU to eomOI't. Inll transaellon.
..... ..,...... I""" ,. CI...,"'''' 11,.aQ']U.J1"1 II.,. Qf,'ndIC....Z... .,n,'n
Q....HAl.
1;T.,o.3tol01 l4(g~1
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,.. A"IITIIATIONI All d"DUIU, el"ml 0' ".lV""" a"s'n~ 110'" ," I~'alln~ to tr' I C ,;, "" P~"'es 1~"'IO sMail b. 1~'OlvOO
bY Dineh"O .,bICrluon by 0'" artllCrltor slll.......d bY YOY Wltr'l mv cons.nt. nUI4grearn'lr'!t .,1lJe Ol..r!iI.iH"It to, tfa~SclCtIO'" ,n Interstate
oomm,rc, Ind srllll b' gov,rned h 1~1 F'deral A'Oilral,on ACI ~l 9 U.S.C Stet,or : ..c~".,vnt .eon t'" ~w,ro I,no",o mlV bl
,""reo in InV coull "",nO lunldiCtlon. Th, 0111'" ~gl.. ano uno'mano IhallMev e~ooso arOltrtt'on ,nstud Of 1IIIglliOn 10 rllol..
01'1l~1". TII, 0111"1 undllll,nd 11111 III,V hovI a f1alll 10 lingal' OIIDUI., ," Courl, bl.ll 1~1l l~f'l ere'" 10 resOI'1 1111" dlsOUI"
U"ouo" ,rbllrlllOll. ,xelol II o,oVldld M,,",". THI ,,."TIIS VOLUNT,.AIL V AND KN'JWINliL V WAIVE ANV RIGHT THfY HAV! TO A
JUIlY' TIlIAL ml~11l PUIISUANT TO ,....ITIllATION UNO'A THIS CLAUSI OR PllASUANT TO A COUIlT ACTION BV YOU IAS
'1l0VIClIO HIIIIIN). TII' 01"'" aglll ano uncl/SlIno tMII all o'"ouln anl'ng undel case I,w, ITlIUIO", "w ano all OI~lr Ilwl
Inclulli"Or bUI nOlllmlll1l to, .,1 conI riel. lOll and DroD'1'lV OIID~I" w,11 0' SUOllCII" Olnd'ng 1I0'''.non In aeOord Willi tM" Conrrlel,
Th, '111.. I.r" 1"11 tII, ,rbitralor S"III MlV' III Dow,rs Drov'd'd bV 'IW, Ill' C( ntraet and I~I aarument Of 1"1 oan'n. Thesl
!lOW", 1""1 '"CIlllIl ,lIllall a"d ,oulllOI. """O"S ,nelud,ng, bUI nOI Ilmlllo 10, "on.'/ dlmages, dtClI"IOry Itli.f ano inlunenvl
r,lltf. Notwlt"ltlndinQ '''VcrllnQ ".r,unto tMe contrary, you retill" .n Ct)tJon ~o vS!' IVCICI,.I 'fllil"'!1 . 'twSUjfl or Mon'Il"l!JICliil r,ll,t to
.n'or~1 . ..~~"rl .gr.lln.nl 1"lnnO !O till M,nufaC1U"O Mom. seourto In a rranucncn ucoell'/,ng t~" arbirraMnagre.m.nl, to
ImorOI I"' monu.1'/ obllg.oon SlOUrt~ bv 1'" Mlnu1.etureo MOI~~ or to 'or~clo.. on tnl M.nuf3Ctl,red Mom,. Th. In'!In.llon and
mll"Tlnln~, of . I.wsu't to fOleeloSl uoon anv eOIlIII'", !O Obu,n . mone!a... ,"egm,nl or to .nlorce tM, ueunty agreemsn! sn," nO!
(onI'CiM. . WIIV,' Q' t". right of any Q'~ to Gom",' ilrtllH'3tlon 'egifrcJlflQ any ~~nnr drlClvt' or remedy SlWb,fCt to arbltrittlon in tl'lIl
C;ontrlOI, includIng In, filing of a oounlerela'm ,n II SU' I broua"' bY you pUls~,nllo Inll prov'Slon.
NOTICE: AN'I HOLDER OF THIS CONSUME" CREDIT CONTRAC~' IS SUBJECT TO ALL CLAIMS ANO
D"ENSES WHICH THE DElTO'" COULO ASSERT AGAINST THII SELLER OF GOODS OR SI!RVICES ,
alTAINIlD PURSUANT HERETO OR WITH THl: PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE
OIITOR SHJlLL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
NonCI TO IIJYER: ,. DO NOT SIGN THIS CONT"ACT IF IT CONT.4INS ANY BLANK SPACeS. 2. YOU ARE
INTITLID TO AN EXACT COpy OF THe CONTRACT YOU SIGN, KEEP IT TO PPlOTEeT YOUR LfiGAL
RIGHTS. 3. L1,lIlLITY INSURANCE COVERAGE FOR BODILY INJURY AND PROPI!RTY OAMAGI! CAUSED TO
OTHIiAS IS NOT INCLUDEO UNLI!S$ INOICATED IN THE PROPERTY INSURANClIlOX ON PAGE ,.
oJ IIUYI!R I!:CKN~~~GES RIECEIPT OF A COM:L~:I,~OPY OF THIS. CONTRACT.
X 10w.j.d.l). /Z.<;(. U/I.4tI..- . . ",.' 7J/. r L I .n-./: ,'" ,0.;1/
Sift"Ur, n" "w,r IUlNt.Lll 0, Il1T1J1lO" S,gnllule ~~ 1[A11I1.!Dl M, Iltl1llJlOU
ASSIGNM!NT IV SILL!II
1.11" hlr,bv ",II.. .IIIVn, ."d H.n,"" It I ''''''1'' MQht. It'(l. end IN"..t I" t", eQnr"cr e"d ~t'I. p,og.",v dllc:nbtd th"'ln It'''t "Prop.rty-l
10 A"lon... To I'IO",C:I "'''19"'' ~o purel'l'" tn. Cormlet, Slll,r w,rr,nrl ~".r: t,) lht Co,wact .~fj (jIJar,ntv. It '''v. II" CI'"I",III',. IIQ.lly
1I,IId Inca ,n'orO'lbl, .ru~ .1'0" from thl III, ot H" PfOD.rw: Ibl 11'\, Cormier ., lubl.cr to no lj,t'l"IlI. 'Ql.in~.,el'lm or ,.rof}: (el CO!:II'" 01
th. Conn,ot ,nd 1111 oth,r dOcut1'l,nll liQn,CI bV 11'1, euV.rlsl WI" Qlv,n to t/'lt I!UVlr P'IIII' to ConlUmmtCIQn: ld) S,lt., h.. eo"';II'O with ,II
'ODIIUbl, fld"II. .tltl 'nd loctl 'I""". "QUI'fIU"'. /"\Jltl ,nd ordln,r'lc,,: (II tn. Buy., II nQt. "'HMOr ''''0 "'II 11\1" Cli:>>ICIt'V to "ICyt, n'lI.
Contl.CI: If) tn. "ODlrtY i, fr.. I"~ ~r..r of /llIli,n, Inc:l 'nCYrTlbl,ncll txC;IIDC tf'll UCyf tv I"ll'lft Q'I)"tld h'''ln and S,H., 1'111 r"', n;", ~o
'''I'" ill .n"'I" In ~/'t. CO"rf'O~: Igl th, "C;Yflt'V .nt".,t g,."Ud Ie Stll" con.tltyt.. I ul.d ''''It h,,, Qrt !I'I, "rODln.., Ind ""1 bl." tiled 0'
,.."Illld Icc.,c;tinu to I,w In~lC'II"g AIIlg,.,,, " tl"'~ "cy'ed D'ftV: \~) tl'\' down DIV""."t ./'Iown on t!"l. tact /'I",ot h.1 be.n ',cII"ld IInd
". '''' thl',of Will .cav,,,ud directlv or InQlr.Ctlv bv S.lI., to luVt,; lil III .~.r',"I"tl 01 fleT mIdi In t"l CoMtl'ur end ,II Ir.t.m.ml "'leI.
Itv or In ".h,I' or Ih. 8..,'1" In ~h. l;f.dil 'DDhc'~lon. ."d I"V ol"" fO''''1 "ll(lng '0 ~I'I. eOrtU'lct ." ll'\l' to th. tHlt or s.n.,', knowl'dG'
.,u~ ..,U.f: ljl '''''V'I' "'.. ""'V'lell dlm.g. 1"'l.'rane_ in r/'ll ,moun~ or t"o Il'uJ,br'dn,u: (It 1 t/'l,r, h...... tlltn I''h) mlltenll ,,=h.nOIl In tl'l. By,v''''
incom., ind.bt.d,..... or ,,",,Iov,,,.nt ."d "0 ot1'l" mlltll'lll l;I'II"gU b.t'W.." 10'" .;&:rovII .nd 'I,IM~lnQ, il"lr. I' , l;QnC2I~lon to AIIIQn..
~"dl", It'l, Cotnrllct. It t"'I'III, I b,ucl'l ot anv of tn. fO"9c:ung WI"'"Mtltl, II '0111'1 d.:.,mln.d bv .....IQn... w"/'Iout r.gll,d to C/'I. S.Il,,',
lI"owl.~g, with 'litg'e~ t"'~lto Of AIIIG""'. ,.II.nc. t~.'.ol"l. Stu" .gr,.. l.I"co,""drtlonIIHv 10 "CU't:I'lUI rh. Co"tnet f'lOm A"IO"'" \,IIi'OI'l
.,mlnd, fo, ttot. ~'",U ,,,"oun~ th.n \,II'IOI(lJ plut ~01~1 end UD'"'''' .r'ICv"ld bV AU10f\tlt 19lYI Ir;Cr'\Jld 01/"'1" \,Inp'ld l"",,,cl. w""",r tl"l.
Ce"IrICI I""U Itot'I1 be, or "01 b.. In d",vit. 'I'ld to l"d,mn.'y, dlt'''d .r'ld "Old "'''Ig".. "'ll'ml'n 'rom ISn.,.. Ion, C1''''.g,. or el.,,", 0' ."v
NN,. ~ r,.lon tlr luch brltc" ot w.",ntv, l"cludl"Q ,no'''.VI' tlu, court eo.n. dllb'wrum,ntl 11"11:1 O'..II.O,.gock.t txg.n....
"II" 'un"., 'G'''' r"et In tn. 'V'nt Buv.r ....r1. IOtin't AnIO"" 'I"lV t:1'lm, d. ,1'11. 01' CCl.,;ntarela,1TI .g'.M't .o'vm.nt 0' .nv Iym
OWl", Ut\Cltr th. Conv.ct 0' I" d.f,,,.. Qf ""Oll",lon on tl'l. an,r110n. lIt"" orll 0' '..mntn, tn.t I'"~ Pro"lr't'; i, ~,ttl;tIVt, "ot ..
,..,n."I.d to I"v,r bv Sill" or th.~ S'II" r.~,.. to 1"101'10' ,nv WlU"I"I"'!t\t Q~ ..,.,nel I;r..,,,,.,,t ot Sall,r 0' tl"l., m'nvt,c~vrer, S.II'f Will, u"on
""Ion..', ClI"',"''', rllt~lJ'c"',,' the Cont'lc;t trom Allrgn.. ."d 011"1 AUIC".t tl'll h.lll ''''ount ""'III"IlnQ """P'"~ (~h.,tl Ic;C;N.d .nd unD,ld
Int.r..U 011,,11 ....1(11"..'5 co.~. ."d 1JI;lnl.. InelUdl"Q 1t10,n.VI' "" w""/'1I' Q' 1'101 .".... tvcn .;tll"" cJe"1"I1I or l;Ql",lntl'CI'lm In,u b.
",.,I'OrIOUI .IId wlt"OY~ awal1l"g tdlydlcatlcn Qf Byv.", cl'lm, d.,.".. Qr <';Quntl,CI8,m; Ind Slll,~ .'tQ 8Q'Ut ~o Indemnltv, d.f.nd .net /'Iold
AUI,"" t'l,'MII,,1 from '!"IV tuc:h elll"'l, Inclu~lnQ .no''',v'' t..., Court CQ,t" dllbur!l''''' ,,,fl ,,"d out.ot.Qocll:,t ')lOtl"l",
n;. lI.billty 0' S,lI.r '''811 not bl .H,c;r'~ bv '''Y llten'lon. ""'WIII 0' ot"'ll' 1;/'11"0' I' f/'lO m,nn,r, gllCt 0' ~I'm. cor' "'v",,r,. tl'ler.ot. 0'
I'"~ '.1..... ..nhlm,..,t 0' comO'O""'1I of QI' wl~h '''v !:t,nv ti.tll. 10' o.','m.nf tl'l,rIQ', or th, '.t.... 0' 1"l0n'"lrt.c;tIQn of '''y IIcufity
'''''I'.lnd". .1'101'" Ihlll not bl aO\md to ..l'Ieult ltl "eo~r" IQ.II"1lt Ihov" or ,MV cH"'.r OIMlon Q' Iny IIr:UrltV bltore btlnQ .ntltl'd 10
D,...m'"t by cn. "111.1' h,,.undll', SllIliIr W.I...... notice t")t .1:1:'El""CI 0' tl'lt, Agr"""'''~ and naflen of nonCl.ym,,,t ,'""d "O"Cl.rlo,ml"c" 0' ~1'I1
Con'rlct ."~ ,"V I1tl'l" notlC" rlQUll'IQ bv I.w 8nd W,IY" ,U IItoHt .nd count,rel'lm.,
1"'C1di'lon, thi., AIIlQ..,m.nt l"cl",d,. Chit ~.rt'I" grovllrol'l to tOllow. l:l'O~ld.~ ~".t. If ,.on. 0' !/'II foilowlt1Q ~'OVI'IQI'1' "" bIt" checkld boy
I.... '.1111, t"'i, A"iQ"""I"~ ,h.1I tI. l;onlld,r'd 10 ""VI bit" C!'IICkt" .Wlt" A,cowrs. w; A, .WIthGU't liteclOl,Jrt.,', T""I "IIQ"m,,.,t 0' th.
Comr.ct I' .nd .".11 b, wl~""Oyt 1'.';0\,1",' 'G'lnlt thl S.II" lJXCIIH II O'O'Yldld 'bali' "'~ I" ""y ug.,.!. d,.ler 'Grltm'"t tl.tw"n Stll'r
I"d ....lG".. "IIU"G to Ih, oyrc".., Qf Corm'CTa. I, "Umitld "t~l.S""', I" U,. OVlnr of d.f.vlf of BI..I'{" blfo" l!IJVII' 1hl1l nllf' ltlld tt'll
t"lUmbIP " n'lOnthlv 1J8'1m,,,u Ur'ld.f t'" Contl'lIc~ .. II~ forth I)llOw u"d.r wLiml~'d ~'c',\Jrs.-, U'l, Stll" '.0.1111, uDe" dt""lfld, r"lIy,ch.,. th,
Con"let tram AUIII",t 'or tl'll full 'f'I'lOlo,ll"lt "m""."Q \,II'\D"d I,mde' tn. CO"tflCr. (:. .".purcn....", It tl'l. AII1QI"I" "pel....... t/'l.
MI"\I"Ch"'tCl lot",",. U'll S.II" WIll. uOO" dl"",nd, 'lI::um:I'l... thl Contrect '~om t'" AUIQI"lIt 10' t'" fUll ,rnoul"lr ,emll"II'10 \,mll.,r;t u"ellI' t/'l.
CO"Utct. D. "Whh "..euri'''. Th. 5.1111' l,mcondltlon'II'I QUI,.nt..., OlJym"nt o~ u...t 11.011 ''''Ol,jnt rlt"'l'\"I'\I"~ u"'~'ld vnd,r t'" Contl'lClt 'l"'Id
'0"''' to purei'll" tt'l. eOI'\!"ct ',om tl'l, AUIQI"III_ UDOI"'! alm.nd, '01' 1/",' IlJlI ~""Q\,jnl tl"llln \,jng'I~, .....l"Ien'....r (I'll Contrec;r Sl'l,ll b. i,., ~.rl\JI',
I. -UII'litM ".,wrllt'll"", In 11'1. '''Int ot ~"'l.Ilt of tju'Y.r b"o'. il,j';'II' 11"11.1 ~"V'1I gIld tn. r"'\,I'~10.r 01 mc~t~:,;, 08'1mlntl u"d., U''\. Contr''=t IS
II. t,nn "llow """eIf., 'l.i"'lf'cJ "',purci"l,,,-, tt'll SlHIlII' will, uI'on d'ITl'l"\d, rtg\,lrchn. ~"" C\lr"ltrter l'urn '1'\1 AnIQ"1I fo' tl'll 'ull Imounf
"",.inino Ur'\"IC~ t~"d.r tn, Contflct It ~"I' It.1I1I;n,. rtoo'''''n t/"l, MOt'lvf8l;t'yr.d HOmlJ
tr.c~ end "10 11110'" tt'l. urn. ta t.l'l. AIIIIQnll I" ,c:c;o'd.I'lC' wi~1'l rl'llJ tor."oII'\O grQ',itIO".,
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OIPA,n"'ItNT Q" ""I,NII TAflON
CERTII"ICATIIl: OF TITL&: I"OR A VEHICL.E
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oeOMETER DISCLOSURE IXeMPT IY fEDERAL LAW
JOINT OWNERSHIP WITH RIGHTS O';SURVIVORSHIP
......... QlIIIlIIII1lN
RONA~D D C KATHLEEN "
WITHEROW
If lOOK VIEW Te~RACE
NEWVILLE 'A 172..1
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GREeN TREE CONS OISC CO
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~ITTS8URGH PA lS~31f
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API'! tCAnON FOR TlIU AHO UEN INI ORMAnO,.
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EXHIBIT uBu
Certificate of Title
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GRE(frREE
N01U:~ me UnAUlI
ANU
HI(i1tl IOCUIH 1II fAl/tl
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":';.fC~~!ir ;"',~mc cnt: .t:dreu
Oat. of Nolie. 1110/"
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rAlItflllll. Vrnt'lIllI
elf! lor 113
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MIS UlO5OIlllO..1l0I.1TJ.S.llTf 100
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1IM1lL' IA 112\ I
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Atloount No.~
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C4r~ ff Id w.; I ,
.1IIef Idtnlllloetlon 0'
. CI'IdIt lIInNGIIon:
M,nuflctIIr9cI home loin
~.
Forty-lIv. (45) cia)" from ltle date 01 thi, Notice (11$ described b.low) is the LAST DATE FOR PAYMENT.
.."
"the AMOUNT NOW DUE.
"
You art In DEFAlILT on this ct.dit traneactlon, If you pay the AMOUNT NOW DUE (above) (plus ail amounts CXImlng due during
the CUlll p.riod) by the LAST DATE FOR PAYMENT (above). you may continue w1h the contract as though you weill not lat..
. At 1tlt Iillllretlon .,,1 thirty (30) daY' from the dale oIlt1ls nolir.e we can take aelio" to relJOS'ess you Manulictured Hom.. Upon
. repouelllon line! sending of a noUce of private lIII. you will have flIt..n (\ 5) days remaining to pay the amount then du.. You
o may allO CU,. YCM delau~ by contac:ling, wtltlln the time allowed, lt1e GrMn T_ Financial SeMc:ng COIlJO/1ltion, ("Gillen Till''')
.. I'IIl/1lMntaUV. IUlted below to reqUtllt a modiflcatlon agreement or repayment a\lreement from Green Tree tor rvPlyment of the
IIleged delault. You must compl", any modification or repayment agrvement allowed by Green Tr~ to CUlll this default. II you
fai~1iaf yWlr dlllault ~ taking lt1. "epsliGted above witnin tho cure penod des<:nb4ld aoove, 1t1en as of __
. . ,lIU;rr-' the maturity of thiS contract II automatically accale,.ted and full payment of all .moun.1S due In the
~ amount 01 $-- . . . shall b. due and payabl. (i~cl.uding the ramelnlng unpaid princiPII balance
r pluS eamed InterIm to su~h date) without any further notice from us. AdditJonal '''Pcnses accrued after lt1e date ollhls notice
~..halllllO be dull and payable, II thll default is not cured, Green Tree will ttP'lrt lhe defau~1d 'oan to the appropriate credit
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10 .."....-'. ....._'1 ., '. .,.. . -, .
. II" THIS LOAN IS FHA INSUREO. IT IS INSURED AGAINST NONPAYMENT B'f THE FEDE~l GOVERNMENT. IF YOU DO
NOT REPAY THE LOAN AS AGREED. WE MAY ASSIGN THE DEBT TO lHE U.S. DEP$lTMENT OF HOUSING AND
, UI'IBAN OEVELClPMENT (HUO) FOR COLLECTlON. FAIl.URE TO PAY THE DEBT IN ACCORDANCE WIn! THE ~RMS
:. 8ET 8'1 HUO MAY RESUl.T IN ANY OR ALL OF THE FOLLOWING ACTlOIIIS:
. SEIZING YOUR FEOERAL INCOME TAX REFUNDS,.' )
. GAFtNISHMENT OF YOUR WAGES IF YOU ARE A FEDERAL. EMPl.O'I EE, .
. REFERRING n!E DEBT TO THE U.S, DEPARTMENT OF JUSTICE FO'\ COl.l.ECTION, .J
II your loan is FHA Inlured and you alll unable to cure the default due to an ir1voluntan/ loss 01 employment or other r..IOrI,
counseling usillance may be available to your from certain agencies that are HUD-approved mortgage counseling ag.nel..,
You may contact UltO get the name of lt1e mortgage counsel;ng agency that is clc,sest to you.
II you are late rrore than three (3) timn In any <:alendar year In mak'ng your payments, we may e~erclse our righ" wIlt10ut
Mndlng you any other Notice(s) lilIe thll one, It you abandon th. home or volunlinly surrender rt;n ltle Mure w. are not required
to sand Ii Notice ", Oalalllt to yQU. It you have illY questions, promptly wrrte or 'el'lphone us at lI1e 3ddre" given allow,
EXHIBIT "C"
Notice of Inteolt to Repossess
0104""""" (I'") _
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F.u7/07
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@fREE
NOllCl- ()~ lJt:fAUII
ANI)
IlIt.HI 10 cum lJE:~AULT
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Oil. of Notice 1/101"
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lOt NIOIeR' 1Il..IlDI. m . MTf 100
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lion 0' MlI1ufacturwd hom'IOIn
ion: .
c..tt fled 119I1 .
daya from the dale 01 this NOIlce (as described b.low) is tt1e LAST (lATE FOR PAYMENT.
~_ it the AMOUNT NOW OUE.
iFAUlT on Ihis crvd~ lransactlon, if you pay the AMOUNT NOW DU E (above) (plus all amounts QOmlng due during
0) by the LAST DATE FOR PAYMENT (above), you may continue WIItI the contrad as ltIough you were not late.
., -
.' . .'. ~.....
ion 01 thirty (30) days lrom the date of lhia notice we can takG actloll \0 nlpoaMSI yOu Manufal:b.Jred Home. Up:)n
."d sending 011 notict 01 pmaLe sale you will have Iift"n (15) dl($ nlmainlng to pay the amount tt1en due, You
. your delau~ by contacting, wilhin the time allowed, tt1. Green Tree Flnll/'lcial SelVlcing COlp9ration. C'Green Tree")
Il1Iled below 10 request a modification agreement or repayment a, rltment from Green Tree for nlpayment oIlhe
I~. Y')U must complete any modiftcetion or I'Ipaymenl agrltment aJl.lWed by Gre.n Tree \0 cure this default. If you
~r dlllllu~ ~ laking lhe steps listed above within ll1e cure period described abov., tt1en as 01
_ ~,~a.I' . the matunty 01 tt1is oo~t:~II~:~~::~OC;:I::,~tl~I~~I~=~~~ ~~~~~~~':,":~u~c:
ntenlst to such dati) without any Iurtl1er notl~ from UI. Mdrtional axpel'!48l1lCC:nJed aller lhe dale of this notice
due Ind payable. If tt1ls default I, not cured, Green Tree will nlpm11t11.defaulttd loan 10 thl approprilll credi1
n"" ' .; '.. ~J ~', ..if ""Jtl~';"1 ' ~ l
..,- .. .... . .' "." \.'.~, , .
N IS FHA INSUREO, IT IS INSURED AGAINST NONPAYMENT B" THE FEDEfiAL GOVERNMENT. IF YOU DO
, THE I-OAN AS AGREED, WE MAY ASSIGN THE DEBT TO THE U.S, oeJ6ARTMENT OF HOUSING AND
'ElClPMENT (HUD) FOR COLLECTION. FAIl.URE TO PAY THE JEBT IN ACCORDANCE WITH THE TERMS
I MAY RESULT IN ANY OR All. OF THE FOLLOWING ACTIONS: . , .;:.' . .
!NO YOUfl FEDERAl-INCOME TAX REFUNDS. ' ;
NIStlMENT OF YOUR WAGES IF YOU ARE A FEDERAL EMPLOYEE. . .
:flfllNO THE DEBT TO THE U.S, DEPARTMENT OF JUSTICE FOI~ COWiCTlON.
,) . :
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.....'
,~
I F~IA Insured and you afl9 unabl. to cure lh. dolault due to an irvoluntary lOllS or employm.nt or othlr reason,
1IIIIInce may be available to yout lrom ctr1aln agencies ltlat are -iUD-approved mortgage couneellng agencies.
,Iact us 10 get tne name or lI1e mortgage counseling ag.ncy that Is clc 'e51 to you.
Ie mort thIn three (3) times in any calendar year in making your payments, we may exerels. our righll wiIhout
."y other Notice(s) IIk.lhis one, II you abandon \1'11 home or voluntarily surrender 11 In lhe Mure we art nol rlQuirtd
llc:11" Delault to you. "you have any qUlstlons, promptly wnte or tel'lphon. us at ltle address glv.n above.
C1,..WHtI('l1H1 _
Altnll""tP.l4\ rnpv
TOTAl.. 1".07
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYlVANIA
Green T"e Consumer Discount Company..
CIVil DIVISION
Plaintiff,
No. 96.2749 Civil Term
v.
Ronald D. Witherow and Kathleen M.
Witherow,
Defendants,
PRAECIPE TO REINSTATE COMPLAINT
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To the Prothonotery:
Please reinstate the above. captioned complaint.
Erin P. yer, EsqUire
Attorney for Green Tree Consumer Discount Company
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
Green Tree Consumer Discount
Company,
CIVIL DIVISION
Plaintiff,
O / ~', . J! ,:;lilt- JI.ot
No, t)t ' J.'7LI1 <--..<-<.!'
v,
Compl.lnt in Civil Action.
Replevin
Ronald 0, Witherow and Kathleen
M. Witherow,
Flied on behalf of: Green Tree
Consumer Discount Company
Defendants.
Counsel of Record for this Party:
Erin p, Dyer, Esquire
PA 1.0. #52748
Erin P. Dyer, Esquire
6230 Fifth Avenue, Suite 122-0
Pittsburgh, PA 15232
(412) 441-8975
, ,
93082S
3. On or about September 6, 1995, Defendants purchased a 1996 Fleetwood
manufactured home, Serial No. PAFLS22AB42114WC13, (the "Mobile Home"), from
Bonnie Heights Homes Inc., (the "Seller"), and entered into a written Manufactured Home
Relalllnstallment Contract and Security Agreement, (the "Security Agreement") for the
payment of a portion of the purchase price thereof. A true and correct copy of the
Security Agreement is attached hereto as Exhibit "A."
4. Seller assigned its interest in the Security Agreement to Plaintiff, Green
Tree Consumer Discount Company. Green Tree Consumer Discount Company
perfected its security interest in said Mobile Home by having an encumbrance placed on
the title thereto. A true and correct copy of the Certificate of Title is attached hereto as
Exhibit "B."
5. Plaintiff avers that the approximate retail value of said Mobile Home is
$46,000.00 and that the said Mobile Home is in Defendants' possession but its exact
whereabouts are uncertain.
6. Defendants defaulted under the terms of the Security Agreement by failing
to make payments when due. As of May 10, 1996, the Defendants' payments of interest
and principal were in arrears in the amount of $829.42. Pursuant to the Acceleration
Clause in the Security Agreement the amount outstanding as of May 10, 1996, is
$46,701.21.
7. Plaintiff provided Defendants with thirty (30) days notices of intent to
repossess the Mobile Home. A true and correct copy of the notices of intent to
repossess the Mobile Home is attached hereto as Exhibit "C."
2
COUNT II . DAMAGES
By way of separat.e and alternative pleading, Plaintiff, Green Tree Consumer
Discount Company, alleges the following:
12. Paragraphs 1 through 11 of this Complaint are Incorporated herein by
reference as though fully set forth,
13. This Count is brought in the alternative to the relief sought in Count I.
WHEREFORE, Plaintiff, Green Tree Consumer Discount Company, requests:
a) judgment against Defendants to recover the Mobile Home, plus detention damages,
special damages consisting of inter alia, detaching and transporting the Mobile Home,
shipping fees, any cost for insurance placed on the Mobile Home by Plaintiff, late
charges, and all allowable damages per the S'!curity Agreement, any further costs for
repossession and sale, and attorney's fees and costs of litigation in order to obtain
possession of the Mobile Home; and b) In the event Plaintiff repossesses said Mobile
Home and resells or otherwise disposes of said Mobile Home, a deficiency judgment in
an amount to be determined by the Court upon petition of Plaintiff, which amount shall
be equal to the difference between the amount owed plWluant to the said Security
Agreement plus the damages set forth in paragraph (a) above and the amount recovered
by Plaintiff from the resale or other disposition of the said Mobile Home, less expenses.
By:
(-&-..
/' ~~,
--~
Erin P. Dyer! Esquire
Attorney for Green Tree Consumer Discount Company.
TRUr: COpy F:\CM RECORD
In TI'~LIWjl:1 '1:kl"."..[. I Iv. 1''' unto 5M my hand
and thl) se,]1 of Sold Ccurt at Carli,le, Pac
This . 1]1t- dJY of '-"Vlt"&"d' 19.1.tt.
\ . jd.
..........~1~t'"\ .. ~ . ~hO~()ta.;~r>>'...
---
L IGREENTREIIMTHEROIMGT.CM
H. - 6....:~ 6:::r;
.,:,...r,;
_ StOY,
. ~ IIll~TDlG
a. PUIle...I,,1 IIay, I~I ODtlon ot bYVlng tM MlnY'lctIlreo Mo"" for tnl eal~ grl"1 or bYYlnQ on ~"o,t. ne .un price I. Snown on
.a.. , JI \II, 'Calh S"I I'"C,'. Ind ml CI,olt O/lCIII snown on Olg, , .. tn, 'Tot" S'" ~ee' I ,noose to buy on creolt,
:I. IICUllrn INTlIllllT, I glYI YOU' ,,'UrltV ,nlerUt In tne M.nufICtIlrlO Mo",e ,nd ,nv oroo.ft'! l~deO to II O' .tllcned. Tne
11\IIOO11 lor giYlng thll lecunrv Int",n II 10 nCIlI' my Obllgallon undll mil Comrt;t, I ,Iso glint yOU, lOourlty Interelt in any Inllrtst
. "'IV hlYI In Drlmlym rllyndl or groeltel. undl' ,ny inSYllnc, eo,eMg Inl M,nul. ctIllld Momo. I Ig'" to IMlcutl any IPolle.tlon
101 ClrtifiCltl 01 ulil or ollllnlllnlo. Ilnln"ng stetem,nt 01 otner oo,yrnent n,c".""" to DI,tect YOUI IICYIltV Interesl ,n Ine
Manvllct\ltld MOI"I. Qnlv Inl coynterolrt 'lblllO 'ollgln.,' mlV crute a SlCunty IrWnt In enlttel p&oer according to lnl Uniform
Commln:111 Codl dtflnllion In Ilflllt In ptnnllVlvanll.
.. PI,'(MINTS AND LATI CHAIlQI: I WIll OIV YOu tnl ernoym snown .. tnl 'Total II Plymenls' lCeo'Olng to lne oay"'ent achedule
I"own on DI9I 1. I allo agrl~lofJ1'; Ilt~cnlrQ! lor "II De''''lnl 'lsnewn on Olge " p , AN 0
" n..,AY.MlI'fr''r1 JiAVIi RI HT TO PAIPAY AL OR 'ART OF THI UN AID BA..... CE F THIS
CONTRACT WI HOUT AN NATY.
_A,'rlgllator
_WUlll'
_ 0,..,,,
P.O,J 07
-_.~~. . ~~~....
---2!......" Condition.' _ Whllll/~Mles
.. 11MI'Ll INTIIIIST CONTIlACT. ""'1 il I lI",gle Imer,,1 comraC'!. ""e ,nll"l! '.'e il 10,1.5 'lIo g.r I"num unlil gOIO
in full. lmet..t will Icc:r",. ugOM U"I' ",,""lld gm'lclOI' bill"C' QytJtilndl/"lQ from tlmr to ;1me. Tn, I"1",rlC:, Char;.. Total ot "'.~rnent5 ,nt;
I'Ivm.nt SO~IdY" werl co",puted blleo on lnl UIU"'g~on tnn g,y"'.nl Will De "I~e on t~I O.'lS $Ch'dyll~ tor g,y"'Inl. 11e,'Y
,.~m."tI WI" "C1uel my fl".1 Plv""nt. LAt. glvm."tI Will Iner..., my fln,l Cllym1rnt. My !tl"'lll paym,nt WIll 1)1 'Qual tQ III \"Ing'l!J
1\lII'll due \ll1dlt rhl. COntrlllt. MV Dromi.. '.OUII" "'. 10 gay In. "nit p.y",ant ,n Ih, ~I" OU. even If l/1e a",ounl 0' tn, f,n"
IIlymlnt alfferl flom 1"1 Imount 01 till 'Inll glym.nt OllcIOIlO.
'P. NO WAIlIlANTIII, I III'" mot tlllIl .11 '0 warlln~eJ 01 InV IYP. eovor "0 th. M.nullONr.d ~om.. I Iln ~uy'ng tho
Mlnutl_rld Mom, A' ,. Ind WrrH ALL 'AULTI Ind THIi INTIIII ~15K ..., T'> 'TMe QU...LIT't' AND ,IR'OIlMANCe 0'- THIi
MANU.ACTUllm HOMIII WTTH MI. I I~'ee tnlllnv i"'gll.d warronlV Of merC~lnllMlV In~ .ny Impll'~ warranty 0' tllness lor,
Plrtlculer PU'DOI' Ire IDICIIICIIIV .xcludtel ,no 00 not cover thl M.nutlC1u,od Horn.. TnlS No Warranl,eo Drov,,'on dOli not 'PO'Y to
\tI1 ,Xllnt Inlt a/lv 'IW DrO~ibllllt Ind .t doeo nOI eov.' I"y 1101'011 w/llte' w.rrlntles.
.. 'ROTlCTION OF THI MANU'ACTUReC MOMe: I w,lI; III ""0 In. Mlnvhctll",1 Mom. In goo~ ~ondlnon .no nOI eommit wasll;
1111 D'V .1I11~", C""O" .nd lot rent due lor Ine Mlnu'IClUlld ~orne and tM rtill eSt.te I1II roe.tI~ on; Icl nOI mo'l. use illtQ,lIy.
1111. I.... or Oll'lllWllI tr.nsI" lhl MlnyflCtIllld Mom.: lal nOI .nlen tile Mlnuf.C1vr,o ,"om. 10 .nv 'eal ISme end Ihe
ManvllClurtd Homl will Ilw.yS bl trllt'el " o.rsonll orocerrv u""U yOu conlin.. In W/lllnQ Ind stall I.w g.rmllS SVCn cOlm.1'!
r.'tm,nt: .nd III nollet Invbo~v IISI nlYI any Inltr.st in In. Mlnvl Jctllred Morne.
. INSUMNCIlI will "HD I~I Mlnufl~vred Morn. i'SUlld agllnst SYCh nsl<.l and ,n .ueh amount I as VOV may rlllonablv reQU"~
with In In'U/ln," comOlnv sllisflctO,., to yOlj, I will I....ng. for .VOY 10 be na",ed ar: Ion O'YH on l/'Ie PQIICV. i agru to orovlde yOU
writtln IYlellnCI of InlurtnCI " reQUllte~ by VOY ',om ~ml 10 I,me. If you finance tM oyre~tse 01 Iny Sucn InlurenCI fo, "',. I 1'111,
I "D'V VOy 10' tIl. con 01 tnlt inl,,"nCI. plus In",," UO to Ih' contraC1l1tO 01 'ntlresl. I authonn vou 10 turni,n Iccounl ~tt. 10 a
I 1I0lnsld Inautlnce egent 01 your cnoie. 10 SYCh eg.nt "'IY loliclt tne purcn... 0' elldll, grog.rtv, ....1".nIY 01 ol~er inSYllnCe fro'"
:= mi. I IVr.. !fill tII, Inlurlnn como.nv mIV """1 Iny OIY"'lnlS dye \,j1\dor tIl, pOliCy dlleOtJy 10 you. Ind I direct the Insv,ano.
, comolnv to dO 10. YOY "'IY do W~lflY" you tIllnl< II necossal'! 10 ~e Syr. IIlIt any 0 .0Cotdl of l/10 Insuranc. wlli be uSld to reo all l~e
I . M.nut.Ctllred Homl or D'V off thll COmnlct. I Oiv. you I power Of .ttom.'/Iwn,eh I ~nnOI C'lIncall .0 I~I you ""r <Jo whllev.r you
! ." nncI to in 0"''' to GGIIK1: tt-le inlu,.nc. "roc:,.dl. If I till to ObtaIn, m'IM'a." or glY t" tI''1e reaulr'tJ InsurlrH;e. or It f,il to ,rrange for
I 'you to lie n.mlel II lOll g.v... YOU ""y tIIlt IIlIt IS a d"'ult 01 "'r obligatIOn" ynder tn,S Ccntl~Ct. ano vOU "'IY IDyt a'o nOI
"QIli'1cl tol Dvrcllltl IYCh insulIlIC4. " you py,cne" sucII ,nluranc., w,lI ImmOllialtly ,eoly you to, sny smOyntt you 'O.nd In
D~~lIing t~. 'n.uranCI. OIUS Interllt UD 10 In, COntllct 'att 01 Interest 0', It '/o~r ootlOn, glY you over ~rne .. a workOYI 0' tn.
obllgltlon. II 10"" yOU for Iny insullnc' lor 'or 'I" charg... .ltorn.y 10.. or collection eOlt.I, I undlrotand lhlll OW, .n addlllonll
IN," for 1""1 dell" blyond "'Y monthly prinelOl1 s"d imorut oayment. My monlnly '>lymlnl Will tIl...fo,e ~e g'"le' tnan I~at sla10d
on DIU 1 umll I"eh 1~~illon.1 ~Ibtl Grl Olid i, luli,
'0. DIJ'AULT: I will bl in dlllylt If: (III do not mlk, I Olym.nl en lim.: er Ilill co nol 1<"0 .ny of mv other oro",isel unde' InlS
COntrlllt: or Iii II I fill I CIII. or somton, els. 11111 . case 'gllnSt me. undlll/11 Unlttd Slalll 8lni<JVOlcy Codl: 0' liYI yOU f..1 in good
fll\fl tIllt tnl MlnuleC1urtel.Mome III" dlnger or tIllt I Will not be e~le to eonMu' m / oeym.n". The d,faull dese/lb.d under livl dOli
. -/101 IDD'V II I~il ContrtC1 '5 gUI'lnteed by tile Vot."n', Adm,nlstlltlon, You ...."1 glv, me nOlle. of tn. do'.uil eMeePI wn.n I
yotymlnly Iurrlndlt or Iblndon \tI. M.nulletllrl~ ~om,. I Will h've tn. /lQnt 10 cv'e In. defaul! OYMg me nOlle. ge/lod, If I dO nOI
,C\n \fI1 ellllYII, yOu may do ell~" or bOtn ~I In, 'ollowlng: 1., Aee."lt!on: You ".n ,eoulle me to ,mmed'.flIV O,y yOU I~e O""'e
ram lining bllanc' 01 tni, COmrtC1; and/or I,: ROIlOUtsllon: YOY can reOOISln tne "'.nufactured Home. OnCI yOu 011 gOSSlUIOn of
\fI, Mlnulec1\ll11! Ho"', you maV seillt. If I~' ,rnounl from 1M! SII.. a!'fer eMgln",;, IS 'n. ,nan wnlt I Owl you, f Will goy YOU lne
... ellff"lnc.. IIlnl" 'I anv oroPlrrv left In 1111 Manulectured HO",I w~en YOU reoossu.. ./ou "'IV d'SDOS. 01 II as orovi<J.d Oy law, if I
ctl"Ylt. YOU Cln elo wll.t...." II nec..n,., to eorllct rny de'"uil. if VOu sglnO monlY to eOll,ct my ~.Iaull. I w,iI glY YOV blc"
Immtelllt"Y wI\tllntllln 'I t"l contll" rale 01 Int.r"l.
11. CUll. OF DfFAUI.T: I /nIV OYII I dellult It any tI"'e blfore Mil te the Manuf.elureo Mome IS traosferre~ from "", whiCll will ~e
at ",It 41 dlVI Ifter rKliol 01 till notiea 01 d,favll. To CUll Inl defaull, I must D'y
III .11 ./nOYlltI which WOyld ~IYI b'ln due in tn. .bunce 01 o.fayll and aocellldtlon,
Ibl r...onlbll .nomev's f... Olul covrt COIlS and IClyll out-ol'oo.;ket eMglnlls IS fvrlMr del,n.O In O"agreOn , 2,
. " (c\.ny till """gll mlt III elvI.
Id rll.onlbll COItI whlen III actlllllv Incurred 10' dtt.ohing and tr.",gO~lnQ I~ I Mlnuf.C1urod Mom. 10 tho "11 0' ull,
.. III DlrfOlr:lllny other obllglllonl yndtr dlflult.
_. mun III" g.rlorm Inv otner oOilQIMn I would h,.. nad Ie g'rlo,rn in In. .bsene. 01 default. I nlv. Ihl nghl to cure I d.tault Vg 10
trlr" 13llimll In Iny c.llndll y....
U. NOTICI: ElI,:eDt lor Iny nOlice 'IQulred undll aoPlicable law 10 be given In onOth.r minner, (a: I"V nOllcI 10 m. grovidld for In
U'\I, Contract ''''111 be Olve" In Wrlt.~; bv mailing ~uC:1'\ notIce t)y e.rtlflod mail, .ddre IUd tQ me 8t tM' M,nufactur'd Mom, addr.SS or
It SUCh otn,r Iddten .. 1 ",av deslgnl" bV nOllce CO vou ,n WIIMO. and Ibl any r otiC' to you sha" oe O,,,n In writing ~V C'~I".d
m13"I. ratIJOrn IICllOt ',Quelt.d. to your .d~r," staled ~erlln O. 10 SUCh olner Id~"SlIS YOV "'"Y dUIQnall by nOI'Cleo"" in wntlng.
. ATT IINiY'S '111: II yOU nlll In ano,nlY wno 'I not I sallned emgloyee co eoll.el wnlt I owe undlr Ini, Conlrlcl 01 to gll
1I01l11l10n of tII. Manullctllllel Moml 01 to enlorCI mv Igree",entt nellln, 1 mlv be reQulled 10 pay 'lour rUlonlbl1 'llornev'S feu
Illue court COlUlnd lC1ual out-ol'OOCk't, IxoenslS. It stili Ilw grOYldU for a li""1 Oil anorney's In., i will gey only th,l.g,llimil,
'4, MISCILLAN~OUI 'RC)VIIIOIllS: nlls w/lltln Contract IS t~, onl, agrnmem li'lt covers my DUlch... of In. o'OP.ft'!. T~ls
C:,OnttlCI ea" only be mO~III'd or I",Indeo. or grovlllonl In It wa,v.d IQI"n Vgl ~v . wlilten mo~,fleallon to lhlS ConlraCt sl~ntd bv
yOU. Yo.. GIn dt<lid, nOllO uSl or ,nfore. Iny of your nghtS under Ihll Contrlct ;",1/ out 10llnQ tn.",. '0' "Imglo, YOU c.n ,xt.nd tn.
Um,. f~r ""lclnQ 10m, l'avmems W'~"OlJt $wtendil"lQ Qt"',rs. If anv o,~ of U'~I' Contract e,rm:')t bt Itntarr.:ed bttiluJ, of I law wl'lll:h
lI'Ot'IIQlfS It. 'II O!I"I" "e"'l can st,ll O. enforced, I .gree to O'V YOu all illIQwe,bll cna 'Ql!!J for ~"'e ret\.irn by . deQoSltory InstlttJtlon Of if
dl.ftonor'd cl"leel.. or Qt~., I'lIQQtl.ble instr\JlTl,nt to tl"le full ,)Cttnt crO\/idfrJ Ov <10pII( .ble I~w, I a;rel! to l:oooe'3tt With you r.gardl~9
,ny "qUlsts ahlr clOSIng to eO"lct IrrOrs mad I conClrnlng tr"lIS ContraCt or the "''''18l;t:O''' ~nrJ to grOVldl anv Il'Id ,It addlt'Of'lill
docu"'lntlllon dllm.d n.e....,., ~y yOU 10 comOI"1 enl' t"nUellon,
...... .....--., r""., "_ CI_. M,. 11.laa.ll'.I,." ~.,"'" Q1,,..wlllCl.A!'A 11121"
gill...."
1;T.lo.3tol01 l""'l
1,1'10\1111
I~u"l
(/I". 1 " 31
f:.,05 0'7'
'1, A""TllATIONI All al,gUIU, cia,,''', or ..JV""os I/I"ng "em cr r~lallng to t~I' C C' ,. e P~"'U 1~,r'tO !~Oll be r..OIVec
,y l:Iindlnv Irtutrlnon bv one ,'bltr,tor sele......d b~ 'IOl.J 'NIt" my con:;(t"lt. This .gresm,tnt .lJrJe Ih"~"I1,.,t to , trclnUetlOn In Jnrerstate
cam",.'~. Ind 'fl.lI b. gov"",edbv thlll Flt:etltJ Arbltrltlon Act ~t 9 U.S,C, SeC'tlor ~ JIolQglT'IInt ..g\)n ~l'Ie ,h......rd r'f1<J"lcJ m,v Ut
,,,'.rld In any court ~'Ylnv jun'dICt1on. Th, Qlrtll' iQ,.,e ,nd I,md,rst.nu tMet tl'tev C"'oose ,'l)ltr,tllJ" 1"$11'0 Of 11tlQltlOM to '''01\11
ell'Oul.., T~, g"ti.. und.rlt,nd I~al t~,Y hove I Irghl 10 li~g'T' CIICUles 'n COU,I, OUT t~IT I~I'I cr,'., 10 'esOIVO t~,,, dlSPUTIS
t~rouOh erbltPl"Oll, exeecI It Cmv'd,a ~,,,'n THE ~A"TIU VO~UNTARI~V AND KJII'JWING~ Y WAIVE ANV RIGHT THFI HAVE ro A
JUIIY TIlIAL ml~EII ~UIISUANT TO A...,TIlATION UNOI" THIS Cl.AUSI Oil ~ll"SUANT TO A eQUItT ACTION IV YOU IAS
'II0VIDI" HIll.,N), T~. ca~I" lor.. enD unoerna"a I~'t all OllCUlts an,'ng under cu. Ilw, nt!utory I,w ana III Ot~er laws
InclUell"Or bul nOI IIMII,a to, all conll.el, TOI'I ena oroce/'IV alSQutet w,1I 0, .IIOltClt,) binding arbllro"on ,n accord wII~ IhlS Conlr.et.
Th, OIl'll' lorn IIIlt tIl, arOllT'ltOf Ihall hlVI all QOwerl oroVldtd Oy 'IW. tn, C( nlT'~ '''0 t~, agreement 0' 1111 cal'lllS. These
DOW'" .IIa" Inclllell a" "VII ano 10'"1101, 1''''ld,es ,"cllldlng, but Mot Ilmlled TO, r'onty de",avu, dtCllralOry 'ellef anD i",une~vI
,,1I,f, NOTWIIII.tlndlnv e"Ylhlng hereunlo t~e COntlary, YOu Ilta'" .n cc~on to use lyOIC,al 1IIIInQ . '.wsu,'l or non'IIIg'cl.' "'1" to
Intorc' a "Cullr, egret"'IMl r,IIMQ 10 m, Manufacturea ~omo ltCllrld 'n , lTlnllC'\'lon undUII'Mg I~I$ .'MraT'OM IgrnmeMl, 10
Inforc, tll, monuary oOllgloon secur,o Oy t~1 MlnUTe~IIIIO Mome or 10 /01101011 on m, Mlnutactl.reo Hom,. The in.IINtlon .nd
"",""nlnc, 01 a laWSUit to foreclose ucon anv eOllar.rll, to OOtlln a monetary IUdgment 01 to en'o/c. t~, "eunry aVreomen, S".III nOl
c:ontoMI . waive' of t", fIght 0' Iny "arty to com"" arbitratiOn r.gir~lng .,,~ L1tl"lnr dl,gut. or '.rn~dv Sl.Ib"ct to .rbtrratlon In U'lIl
COntrlct. inellldl"O the filing ot a eounterCla,m ,n a SUI I broughl bY YOu putSllanlto lhll prov'Slon.
NOTICE: ANY HOLDER OF THIS CONSUMER CREOn' CONTRAC~' IS SUBJECT TO ALL CLAIMS AND
DIIIENSES WHICH THE DEBTOR COULD ASSERT AGAINST THII SELLER OF GOODS OR seRVICES
OBTAINeD PURSUANT HERETO OR WITH THE PROCEEDS HIRe OF. RECOVERY HEREUNDER BY THE
DEBTOR SH~,LL NOT iXCEED AMOUNTS PAlO BY THE OEBTOR HeREUNDER, I
Nonce TO IIJYER: " DO NOT SIGN THIS CONTRACT IF IT CONTAINS ANY BLANK SPACES, 2, YOU AR::
ENTITLED TO AN EXACT COpy OF THe CONTRACT YOU SIGN, KEEP IT TO PROTECT YOUR LEGAL
RIGHTS. 3. LI,AIILITY INSURANC! COVERAGE FOR BODILY INJURY AND PROPI!RTY OAMAG! CAUSED TO
OTHIiRS IS NC)T INCLUDED UNLI!SS INOICA TEO IN THE PROPERTY INSURANCIIIIOX ON PAGE 1,
/J IIUVER ACKN~~LEDGES RECEIPT OF A COM=L~:I ~OPY OF nils. CONTRACT,
~ !f!!J::."i..&rI b, /I..(;:(..:ii'UA4'/!<.'- . '. J, 'e' 7J/. r L I NA." -'<:1./
SIa.nature or Iw,' 1llJNI.Lll O. 1ItT!110W S,qnllule 01 Buy,r Jl,1'!l.1:tN M, \It1!l.llOw
ASSIGNMENT IV SE~L!II
"II" 1'I",by .,111. '''1;"' ."d frll"llf.r, III ,",.,. nghl. tltl. "ll~ Int.,..r /n thl eonrrtc:t end tt'll ~ro".rt'Y dltcntl.d tl'l,,"" (tP,t ""'o".rtV"l
to ....Ia"... To IrlQuel Alii'"'' to p\,lrct'l.., the Contr';t, S.II" WlrT,nt, thlt: III Ii'll Cormact .,.,~ Q\,l",,,HV. It ''''v. .11 G'""""., 'eg.Il\l
v.lld ,"d ,"'orOI,bl. ."l;I .rCII "'0"" th' IIJ, 0' Ii'll PrOClrty: lbl r,",1 Contflct II '~jbj..:t to no d.f'l'IlI. ,o\Jnrercl'lm or "toH: fel CODI" QI
the CO""';I I"d '111 oth.r doc\otn'llnU .iQ""~ by 11'1, !!Ivy.rlll WI" gIV,,, 10 thl eUY.' !:Itlllr 10 CO"IUrnm,tlun: Idl Stll., hn cornallla WIth '11
IDDWubl, f,d"'I. lilt. In" loe.lltwl. "Gul'llon.. rul.. .nd ordll'\,f'lC'u, III tn. BUYI' II. nQt I r,'III'O' I"U 1"111 I.g,' i;I",'Clty (0 IX'CU~I U'U&
Contt.CI: If) the "rallf.r1V i, 'r.. '''0 c;1.., 0' all Ii,", ."~ ,,,cymb,.ne.. IllC'''~ U" ..ev~ tV 'nt.r,.t g,aN.d h,reln ,nd S.lIt, "" tl"'l. ,,~"n to
,"i," itt in"r.., In thll Co"rr.c~: ta) the ",,,",my int.r..t g'."r.~ Ie 5,U., eonlllu,HII I "'lid tlrat h,1"I Qn tl"l. IIro;tl1'V .nd 1"1.. bl'" til.d or
"'"d.o ,cc"dlnu 10 l.w InlifiClllnO "'''1(11''11' .. first IIcyr,d Sltrty: 0',) tl'l. dOwn DIY""I'U ./"lown on H'lt tael "'''0' n.. been "r;'I~.d and
rtO .en I""'" Will 14"I"CI~ ~i'letlv or IndirlClly by S.lIer to I\,IY.,: (I) III Ifll.m,nl, 01 'Ict mla. In tl"ll CormfiC:r Ind III Illt,m."" tt"l.c11
IIv 01 on tlt""lf 0' th. 8\,1'1" I" t", c"dl~ .pphcIllOM and 'ny oU"" tor,,,,, rll'tlno 10 tl"ll eONrlct .,. rn.;, to t"'. bue 0' S,lI11" Ir."Owltdgt
,nd ".'Itt: Ii) '~Y.I' "., P'W'IClI d'M';' 1"'\,Ir,ne' In tl'll ,mQynl 0' tl"le InQltu.dn",; (k) tP'l.', I'l'v, b"n "0 mellnl' ch.ng.. In t/"l, Buy.rll'
."com.. ind.bt.d,..... or Imploym.nt '"d "0 Olr\" ""ttrl.1 I;"""QI. b.tw'In lo.n .t::I&:rov.1 ,"d 'unl:!lng, T"'tl I' . rolonCluon to Allign..
"""dln, th, COntfllct. I' t",,, II . br..cl'l ot '''Y Qt U'I, for'Qolng wI","ntlll, "' 10l,Iy d. :,rml"'d by .....IQn... Wtt!'10\,ll r.gard to t,",. S.u.,',
_nowl'dg. Wit" '1I,g,ct '''.reco 0' Aulgl"l.... r.h.,.,c. t~'rlO"'. S.II.I' 10"" ynCO".,1110nlllly to r.Oyrcl'l... tl'l, COfltnet trom .....Ig"... UPO'"
",mind, to, ttle I'~ll ''''ClI,m, U'I,,, "'"P'ld plUI ':0.11 Ind UQ'M". ,Mcurrle 1:1\1 A"lg""lll jphJI 'ccn..'d "l'Id yng'ld II'Her"tl. wl"'l""'" U'l,
COnlPICI Itl,1I U'tl' b'. or not tie. In d.r'lJlt, ,nd to Indlmnlty, d.t'"d ,nd ,",old A"lan.' "1M'TIt,.. fro", .,ny IQ". d.m'OIlI or Cf'iml or .ny
nlltu,.. bY r,"on elt luch br"cl"l ot w,n.rHy, H'Ic1udlr,g .rtClrl'l'y,' tleu, COYI't eo.r" dlll:l'Y'"m.nt. Ind Qut.of.gOCIc.1 ...g'n....
S,ll., tun"" Il~"" ''',t In U,. ,vlnt Byv" ....rll .g,"'u AI'IQ"" ,n" e:41,,". d. ,1"1" or C:Ot,;ntlrt:lo;rn "gill'" .o'Y"ltnt 0' 'My .urn
OWlnlJ \,Indtr Ihe Contrlct or I" d"'I"I11 0' r."O....'.on on thl a...rtlon, .11"" Q"I 0' wrl",n. tl'l'l 1M_ ,",rog.rt'Y I. g.I,cllv,. "01 ..
",,'n'l'It'd lolu"., by SIU,r 0' tl'l" SIII,I' r,tIJ.., 10 "onOt 1"'1 wa".,nfY vr "1"\'11;' 'Q,,,,,m'nt of $'11" or IP'I~ m.n"f.ctur"I', S,lte' WIll, UDc.n
.&..IIn.... 4.m."c;t. repurel'l". t"'. ContrlCiC 'rom A""tl"" ,"d "ay A"lgn.. n". "'II 'I'\"IO\,ll"lt r'''''',tW''O V"gll,J 1~lu. 'CCr\l.r::I ."d ynD'ld
'"1,,"11 ~lu, ..,ig"'I'lI ent. 'I'Id Unn... Including ."or,.,.v" 'I", """.II"I,r vr nOI II"IV 'l,lc:;h el",.,." {,J.t,,,.. or CQ....nUrcl.lrn thlll b.
"'1"t"IOUI 'I'Id Without .waltlng 'dludicatlon of 8uv.,', el,."" d,r,,,.. or ';O~I(\UrCll'Jlm; HId S,II,I' 111'0110"'" to Inu.rTI"ltv, Qlt.nd Ind I'IOld
AMI'"'I I'l.,mll"l trom .nV IUch CI'IITII, IMcllJdmo ,tto~"'y.' t..., Coyrt CQ,t" dl,b\)r!ll1T ,(lU and QlJt.ot.ooc:k.t 1.1I"'''''1.
The lI.bllifY ot S.ll., sl'lail nOt bl IHICt.tJ b')' ,ny IXI,nllon. "I"IIWII' or otP'l,r e""l1g_ " (I'lo m.n"." gl.e, or t"",. of p.ym,nt 1""_0', Of
tt'lt '.1..... IInhlmlnt .,r comgrornl" Or or wlII'I .ny D'r'lY li.tll, lor O"Jmonf tl"l"'Q~, or th, ,.1.... or ,.,on'f),rl'c::tlon 0' I"V "eu,iry
t".rfUnd.,. ."101'" .h,1I "'ot b. t:lO\,ll"lc:l to IX"lJUlt It I r.cour" 'QII"lt ljYVIII' or .,.,,, ot/"l,r Ot"or' or '''''1 "~vrtty tI.tor, b..nG '''fltI.~ 10
",,;,""nt by the ".U,r her,und.r. S.U" WIIV" 1"I0tlCl 0' .e;lg!,"c. ot tl"H, AQtt.m.nr an~ noriCII ot rll;mO.ym.nt 'I"ld nonD,rlo,m.nc, of It'll
Contrtct .nd I"Y 01""" nolle.. reQUIr'~ bv IIW 'nd WlIV" aU IItoH, _nr::l COYrlt,rclt,,,,,.
I" eddltlon, "'\11, ..'IQnm''''1 1,,,:IIolG.' ~htt t:''''lln prO\ll'lon to lollow. gtO\lIr.s.d t/"llt. It "',on, 0' tl'll fOllOWIng .orO\lI'IOr'l' "at b..n en.ek'd bY
't'l1 "It,r. t"'i, ""IQr"Imlnt ."".11 b. c;p;n,uj'fICS to l'I''''1 bun Ct'l'Ckld .Wltl"l "',eour.. -: A. .W""'C1U1 Ruo",,,,', TI"l. '''lgnl1''linl 0' thl
COmr.C1 I. Ino Ih.lI b, wit"C1ut 'ICO\,l'" Ig,lnlt th, Sill', nc:,c[ '1 .orovld," tbo\ll .,cJ In ,nv "garlt. d'll" Ig"',,"Int Oltw.,n S.II.r
."d ....10".. r.I,II"o 10 fht gyre"", 0' Contract.. .. "Umittd ".c.o~".', In tnt tVlnt 0' d"IUII "r e~y., tl110r, l!liu"j,r ,h. II I"IIY. ..lId 11\1
numb., ar rnOnt"lv r:rlym,,,," 'mUtr tl'l, COl"\trllct II Ut tal1h t:I.10w und,r .Llmltld Folttc,uf'l'., tM. ~,lIt' WIll. !Jl)en Q,m.nd. r'r:rute"..1 rhl
Co"trlcr 'rol'l'l AUIII"" 'or tl"ll 'l,jll .mount rlmllnlng u,.,glid un".r t/'l. ContrflC;H. (:, "~'lIufcna..~. I' ll"l, AlltQn.. r.'o....... th.
M,"ut.ctYrtd Hor".. the S.U" will. uOOI"l Cl',,.,,,nd, r,pureh... tt'l. Comflct "Ol'l"l t\'ll .."Ion.. lor tl"l. '\,Ill ,rnc;'lunr ,,,mllnl"'; Y"Dlld unCI., tht
Contl'.ct. D. "Whh "._ur..", "..,. S.U., uncondltlo".lIv Ql,llrllr'll..s gIJV1Tl,nl of t....., fl.. II .mount rtmlll"llng un~.ld under tl"l. Contract ,"d
'Gr... to "ure"'" U"I' Cormlcr frorn Il'le AnIQr'l". UDOI"I a.m'M, tQr trill 11jll 4mcl,/''it tl'lul'l yng'Ic:l, w~en,,,,.~ 1"'1 Contrecr 'I'Itll bt ii' dl'.un,
.~ -Umitlld RI~""lltl...", In I"" ,vlnt 0' tJ,t'<..jI~ of 8y..,." I:Iltor. ijyy., 6,",liI ~lI"'lf g41d tn, o"I'.jmo., 0' f"'ICI'I~,I..,. ""\lm.nt. UMtJ.r tl'l. ConH'Qt U
.It fortn belOW \.mdtr -Lirnltllj "'.~urch,..., tn. S.llsr wlll, UDon dumllnd. reC!l,jrC"n' ~..... e~nrr.ct IrQlf1 ,~, AUIQn.. 101' tl"ll tull ,m/Junt
rtrnei",ir'lO 1,1""1'0 lind.r tl'll Corml;t I' (I"l. AUlon" r,gon.nn Ih, M'l"Iulel;i\.lr'd rlom.,
Iy:
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I .~ed ~ocou,.e
_ ~i1ymlnts
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tracr IItllj ,1'0 '"IQn, t/"l, ""'t 10 t"" Aflllon.. ,1". .cr.o"111~O:'
"'1/'1 Ol'o""'IOn ut flOlnn .Oo~. w,.,~"'~ IClutj blllOl I'J
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OIllIllNA~
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CERTI"CATll: OF' TITLE 'OR A Vil:HICL.E
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I .~101 FLUTWaaO lfI''!1043G.5IoClo WI
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OeOMETER DISCLaSURI IIEMPT IY fEDeRAL lAW
JDINT OWNER~HIP WITH RIGHTS OF~SURVIVORSHrp
"...............
RONALD D C KATHLleN "
W ITHIRO"
~ lOOK VIEW TERRACE
NI!WYILLI! PA 172lflo
'.."IAN.....
GRIIEN TREE caNS DISC co
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'RIIN TREE CONS DISC eo
P a lax 1013010
PITTSBURGH PA lS2J~
I ,tit,.. .11......... ...-..1.......,.... ~ ~
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A~~lI\:AnON FOR mn ArlO UEH INfOHMAnON
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8RA~L!V L MALLORY
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EXHIBIT "B"
Certificate of Title
~ .. .",,-..: :''; ..~.;. ....:
1-=.C~,'C7
GRE(rfrREE
NonCf Of U[TAUl T
AND
HIGII I 10 CUllf [ll-.~AIJlI
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.: ..:il~r-:.)r :':clTle D"~ i.-:l:Jr.u
Olte 01 Notice "101.
[It,''' TIff "(HgJIf1 OI!lr.C\P1T (I).
IA~,," It. V11lfa
(If! \Of It)
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IGS UlOf<lIlI RO..an!;. m. S3JT1 lOG
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":e;'cncll Cr"'.:i "I~~'" 3<:,::r~~!
'- Q:'IO :~'el:'~':.r":~ !"'l","I~e~
\,..
Acoount No.~
. ~ Idtnlillolllon 0'
, CId lrWleICIIon:
ru'"..
C4rt'>fhdlltil'
Menullclurecl hOllllloan
Forty.llve (48) clays trom ltlu date of thla No~ce (as described below) is tne LAST DATE FOR PAYMENT.
~ S "." _fa the AMOUNT NOW DUE.
"
You are In OEFAlJLT on this cradit 1l'a!'Ieactlon. If you pay the AMOUNT NOW Dl; E (above) (plus aJl amounts coming due during
lIIe CUrtlleriod) by the LAST DATE FOR PAYMEm (above), you may conllnue w1h the contract as though you were not la'e.
,; Al the eXpiration 't)/ 1II1rty (30) days from the dale 01 this notice we can take aelio', 10 repossess you Manulac1Ured Home. Upon
, rtpOMesalon."o sending oIa nollce oIllr1vale aaJe you will have Mlln (15) days remaining to pay 1M Imounlthen due, You
:' may alao CUrt YOtJr default by oontacIing, wtlhin lIIe time allowed, ltle G'ftn Tree FinanCIal SelVic:ng COl'\lol'lllon, C'Green Trea")
:. I'elJl'IlIntative WIled below to requl$t a modification agreement or repayment a\lreement from Graen Tree lor repayment ot the
alleged default. You must comlllete any modification or repayment agreement allowed by Grltn Tree to cure this default, II you
1ai~1iaf VWr d"tault ~ taking the lIleps listed above within tne cure penod des<:nbed above, then as of
, . .,.u, the matunty ot thi$ contract Is automatically acc.lereled and lull payment of all amounts due In the
~&mounl 01 S-- .11 . ;.., shall be due and payable (Incl.udlng lhe remeining unpaid principal balance
. plus eamed Inter'" to such dalt) without any further notice from us. Additional "'penses accrued atter !t1e dale 01 this notice
~.ehaJl allO be dull and payable, II thll detau~ Is not cured, Gt~~ Tree willl"p"/t the df1lau~~. loan to tI1"..apptopriale credit
f reporting Igtnoy. -:r' ','. ~,:: ,..... , .: I' '.,
. IF THIS LOAN IS FHA INSUREO, IT IS INSURED AGAINST NONPAYMENT B'f THE FEDERA! GOVERNMeNT. IF YOU 00
. NOT REF'AY THE LOAN AS AGREED, WE MAY ASSIGN T11E DEBT TO 1HE U.S, DEPIRTMENT OF HOUSING AND
. UR8AN DEVELClPMENT (HUD) FOR COLLECTION. FAIL.URE TO PO'l,Y T11E DEBT IN ACCOF<DANCE WITH THE TERMS
. SET BY HUO MAY RESUl.T IN ANY OR All OF THE FOLLOWiNG ACTIONS:
. SEIZING YOUFI FEOERAL INCOME TAX REFUNDS..' )
. GAANISliMENT OF YOUR WAGES IF YOU ARE A FEOERAI.. EMPI.O't'EE.
. REFERRING THE DEBT TO THE U.S, DePARTMENT OF JUSTICE FO" COLLECTION. J
II your loan Is FHA Insured and you are unable to CUr\l th. default due to an inVOluntary 10$5 of employm.nl or Olher tilSOn,
CIlUnsellng uaillance may be available to your 'rom certain agencies tl1at are .,UD.epproved mongage counseling agencies,
You may contact us 10 gel the name ollt1e mortgage counseling agency that is Cl(,sest to you.
. It you are II" ".or. than three (3) times in any calendar year in makng your Ilayments, we IT'ay exercise our rights without
IIndlng you Iny othlr Nolice(S) likl this one, II you abandon the home or volunlli nly surrender rt In l1\e Mure we are not required
to IInd a Notice 'JI Oefault 10 yQu. If you have allY questions, prompt." wrrto or :.I',pnone oS at the address gIVen above.
EXHIBIT "C"
Notice of Intent to Repossess
Cl"'I."-<>" (7"') 10/,.
lW-l'~"l:l ~,=;:'I..:
P,Q7/\:17
,'.
(j}REE
NOllCf Of- LJlT AUl I
ANLJ
IlfCHllOCIJllrUHAUl1
~L 'Homer n.",. .no Il'JQre..~
..,
I
Dati ot Notice I/WII
:""~ TIIff 'lm1MI N!(l)'1T roO,
l
",.0 O. 'Iiltl!lll
. &lOCI Vl~" CtlVl
10' M~I 1D..8lDI.JTJ.!"JITf 100
lI(W<JIO. .. I\tm
."to'''(1
R tgIO,.,..!i 011,1:' f'~rne. a":i.1rvss
Jn~ tel'l:ln~"fl "lJJTlc"r
J
wwnu" n:.'
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I
I...
nil....
c..t1 H4d 11,11 .
lion of Manulllcturtd hom'loan
iOn: .
day.lrom the date of this Not/ce (as l.Iescllbed below) is the L:AST ~IATE FOR PAYMENt
~_It the AMOUNT NOW DUE.
iFALILT on this c~d~ transacllon, It you pay the AMOUNT NOW DUE (above) (plus all amounts coming dUI dullng
d) bo/the LAST DATE FOR PAYMENT (ebove). you may continue With the contrad 113 though you we~ not laIe.
., -
" ' .- .' .~..
Ion clllhlrly (30) days lrom 1111 date cl1l111 notice we can take actIOII to ~po$SIss. you Manutactu~d Homl. Upon
and lIendlng of a notice 01 private sale you will have liftHn (15) dll(S ~mainlng to pay 1111 amount then due, You
I YOllr default by contacting. within the tlml allowed, thl Green Tree FinanCial Servicing Co~ration. C'Oreen Tree")
t lIlItld below to request a modification ag"'lment or ,.payment aQ rHment from Green lI'M lor ,.payment of the
lit, YI)U must compll1e any modlftcation or rtpayment agr..ment aJllWld by a"'ln Tree to cu'" this default. 1I you
~r dolault ~ taking tile steps IISled above within 1M cure period desc ribad above, tIlen as 01
=,,~.~.11 . lI1e matunly oltllill oo~t~~II~::~::=I~,~tl~i~d~II;'=~~~ ~~:~~~':,"c:~u~':
ntenlM to such date) wilhout any lurttler notice from us. Additional IXpIln.ses accrued a"er 1I1e date of this nOtice
dut and payable. Illtlis default is not cu",d. Gneen Traa will repmt tile' defaulted loan to thl appropriate credit
nnv . .'; -,,;:r. ~: . ,if ""~oll;"1 . ~ I
"I' .. .. ~ .. '. ',,'~' , .
N IS FHA INSURED. IT IS INSURED AGAINST NONPAYMENT B" THE FEDEFiAL GOVERNMENT. IF YOU 00
. THE ~OAN AS AGFlEED, we MAY ASSIGN THE DEBT TO iHE U.S, Dei6ARTMENT OF HOUSING AND
'ELClf'MENT (HUD) FOR COLl.eCTION. FAILURE TO PAY THE JEBT IN ACCORDANCe WITH THE TeRMS
I MAY RESULT IN ANY OR AU. OF THE FOU.OWING ACTIONS: . , ::. . .
~.,' ,
ING YOUR FEOERAL INCOME TAX REFUNDS, . i
IIIStlMENT OF YOUR WAGES IF YOU ARE A FEDEAAl. EMPLOYEE. ,~ - .
:RRING THE DEBT TO THE U,S. DEPAFlTMENT OF JUSTICE FOI~ COL.l..ECTlON,
; -.J .:. ~
) ,
.... .
.~
1 F~'A InS\,ired and you are unable to cure till defalJ~ due 10 an ir\lolunlary lOll of employment 01 Other "'lIOn.
uiatance may be available to your (rom certain agencias that are -IUD-approved mortgage ooun..lln; a;tnctea.
tlct us to get t/'Ie name of the mortgage counseling agency that I.s clc Slst to you.
Ie mora than three (3) times in any calendar year in making yout payments, we may exercise our rillhte wtlt10uI
any other Notl~e($) like this one. II you abandon \he home or voluntarily surrender rt In the future we are not rllClult.a
tice." Oeflult to you, II you haVe any questions, prompt~1 wrrte or tel'lphone us at t/'Ie address glvln aboVe.
OT....II 01. (711II .....
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:. I
3. On or about September 6, 1995, Defendants purchased a 1996 Fleetwood
manufactured home, Serial No. PAFLS22AB42114WC13, (the "Mobile Home"), from
Bonnie Heights Homes Inc., (the "Seller"), and entered Into a written Manufactured Home
Retail Installment Contract and Security Agreement, (the "Security Agreement") for the
payment of a portion of the purchase price thereof. A true and correct copy of the
Security Agreement Is attached hereto as Exhibit "A."
4. Seller assigned its interest in the Security Agreement to Plaintiff, Green
Tree Consumer Discount Company. Green Tree Consumer Discount Company
perfected its security interest in said Mobile Home by having an encumbrancE'! placed on
the title thereto. A true and correct copy of the Certificate of Title is attached hereto as
Exhibit "B."
5. Plaintiff avers that the approximate retail value of said Mobile Home is
$46,000.00 and that the said Mobile Home is in Defendants' possession but its exact
whereabouts are uncertain.
6. Defendants defaulted under the terms of the Security Agreement by falling
to make payments when due. As of May 10, 1996, the Defendants' payments of interest
and principal were in arrears in the amount of $829.42. Pursuant to the Acceleration
Clause in the Security Agreement the amount outstanding as of May 10, 1996, is
$46,701.21.
7. Plaintiff provided Defendants with thirty (30) days notices of intent to
repossess the Mobile Home, A true and correct copy of the nolices of intent to
repossess the Mobile Home is attached hereto as Exhibit "C."
2
COUNT II . DAMAGES
By way of separate and alternative pleading, Plaintiff, Green Tree Consumer
Discount Company, alleges the following:
12. Paragraphs 1 through 11 of this Complaint are incorporated herein by
reference as though fully set forth,
13. This Count is brought in the alternative to the relief sought in Count I.
WHEREFORE, Plaintiff, Green Tree Consumer Discount Company, requests:
a) judgment against Defendants to recover the Mobile Home, plus detention damages,
special damages consisting of inter alia, detaching and transporting the Mobile Home,
shipping fees, any cost for insurance placed on the Mobile Home by Plaintiff, late
charges, and all allowable damages per the Security Agreement, any further costs for
repossession and sale, and attorney's fees and costs of litigation in order to obtain
possession of the Mobile Home; and b) In the event Plaintiff repossesses said Mobile
Home and resells or otherwise disposes of said Mobile Home, a deficiency judgment in
an amount to be determined by the Court upon petition of Plaintiff, which amount shall
be equal to the difference between the amount owed pursuant to the said Security
Agreement plus the damages set forth in paragraph (a) above and the amount recovered
by Plaintiff from the resale or other disposition of the said Mobile Home, less expenses.
By:
L IGREENTREIWlTHERQIMGT.CM
Erin P. Dyer, Esquire
Attorney for Green Tree Consumer Discount Company.
TRUE CO~Y FR,"'lM RECORD
In TV;ldTl':,ny \,,'I'.:'t",I, I h r.j UI;II) set my hand
8'ld tlli~ :,),,)! GI ~;'-lil '.'r"J~; ~!1 ('-li :;';II~1 Pu.
Thi:; /7<1" d;'( ,.,/ 7~/t'i.':J ' ,19:iq,
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a. I'UflCHAlll1 ~a.1 I~a OOtlon at bUYing t~1 M,nu"ctUred Ho,.". lor t~, e.uh o"e'l or bUVlng 0" C"OII. T~e euh o"ee II sl'lown on
.a.. 1 ..1"1 'c:,." Sail Priea', 'nd lII' eradll gll" II sl'lown on OlgO , II l~' 'Totl! 5,11 ""ee'. I cl'lOose to buy on C"Olt.
~. IICUllm INTIIl!!ST: I QI.' YOU a seCUrity In""" In t'" M.nulleMld Ho"" .nd '1'1'1 orooerTY .od'o 10 It or Iltle~eo. The
fN/OOat for gl.ing tIIla aac","t'I '"""It 1110 seOurl my obliglltlon undlr tIIi, Contrll;t. I .Iso grlnt YOU I ..eU'tlY Inll'OIt in .ny Internl
I "'ay 11'.1 in 0"""11,1'" "fund' or orOOleO' under Iny In.urlnel cove""g the M.nufl=rtd Hom.. I 10'" to eXleutl Iny 'OOhe.tlon
lor .artllloala of btla or OWnl"nIO. flnlnClng stlle"'lnl or olner document nlelllSlI'f to o.rleet vour stCUfllY InlerUI In Ihe
MMnufal;tUfad Ho,na. Only I~I eounlllllart 'IUlld 'o"Qln.I' mlY C"lle a steunlV Irtl,"t in cnlttel oao.. Iccording 10 Ii'll Unltorm
C:ommtrela' C:odl dtf,",tion '" IHlot I" Penneyl.a"'..
.. '..YMINTS AND loAT!! CHAIlGI!: I wlil DIY YOU 1~1 amount snown Uti'll 'TOtUl ,t Plyments' le,orOlng to tl'le payment "neoul.
."own on oagl I. 111.0 IQratJO~la:~ Illie~lru lor 'ITI oaymlnt II sMwn on DIJlI ,. T AIO LAN
" jlgpA'(MINTt I .HAVa H Al HT TO PRIPAY ALL OR !tAAT OF HI UNP.. SA ce OF THIS
CONTRACT WITHOUT AN NA TY.
_Illlriglrlto'
_WII~,r
_ Oryer
P.(lol/(l7
w.~~~w . ~VJ...'
..--i!.. A" Conditlonlr _ Wn..I./....lu
.. IIMP\.IINTIIlIST CONT.....CT: TIltl i. I ""'Oil Intlr"t eontrlot. n.o int....t rata i. 10.:L5 'lIo Plr annu", until oal4
in lull. ,,,..,,.. wlJl a;cruI' upon I~I unOlld O"nOIOII bll.no. O"IIundlng I,om ~".,. 10 ,mI. TMI Ftnlne~ Chl'OI, TOlal 01 Paymenl. InO
l'aY"""1 SO~edul, WI" co"'o~ld b..IO on t~, ..lumOhon tMI1 Olym.nl Will b. "100 on th' 0.1., lenldulad for Olymant. &arly
oaym'n" w,lI rl~Uce my IIn.1 o,y"'Inl. UI' ga.mlnu WIJI InOIUII mv 111'111 gaymllnl. My Itnll g.y"."nt Will bl IQUII to .11 UnOlld
IUllla d.... und" tIllI Contraot. My oromlse "QUI/II ml to oay thl linal paymanl ell thl dlt' dUI IV In II tile a",ounl 01 thl tlnll
lIIYm'''' dtHI,. It'om till ,mount oll~' flnll gaymanl dl..losed.
7.' NO WAIlIlAI.TI": I Ivr" lttat tIl... a" no warranhu ot Iny tYpe eovor ng Ii'll Manull<;lured ~om.. I am bUYing Ihe
Manllllc:tllrld Homl A' II .nd WrrH ALL FAULTS Ind TH. f1jTI~' AISK AIt T'l "TH! QUALITY AND 'IAFO~MANC! 01" THI
MANU'ACTUIlRl HOMI " wrrH MI. I Igree IMI1 .ny Implild war,antY of m.rel'llntlbtltlV Ind Iny I",glled wI",nlY 01 fitness lor a
Oll1leular PU'DO'" ar, lo..,li.ally ..eludt<l and 00 1'101 cover IMI Manu1lctured Ho"". nlll ~o Wa"anll.' grovlllon do., nOl aOPly 10
tII, I...nll"al 1"'1 Ilw gro~ibllllt Ind it 0011 not eo..r any SlOlrote w"n.n wa"lntl.S.
.. '''OTICTION OF THI MANUFACTUIl!D HOM!, I Will: III 11"0 tl'lo MlnuflctUrall Home '.1'1 gOOd conQI~on and nOt commit wllte;
(~I 01'1 .lIla.... C~lr;u Ind lot renl dUI for IMe Mlnu'lcru..d Homo and Il'Ie ".1 Istate It IS rOC3Ud on; Icl not "'ova, use Illegally.
1111. Inse or OI""WIII tra".llr Ihe ManuflCtured Home; IdJ not anlel'l the ManufacturlO Home to Iny .eal e$llto and the
Mlnlll,etured Homl will ,Iway. bl truI'd .. o.r.ona' orogerTY unlass you consent In w"tlng ano .UII law Plrm,ts SUCM contrlry
r.atmt"l: Ind (II "01111 anybolly alst Mave Iny Inwest in t~1 M.nul,eMed Ho,."e.
. INSUIlANCI: I Will .110 t~1 Mlnulactured Homa Insulld .gllnst suen ns.. and In suc~ amounl, as vou may reasonably '"(lU"~
witll.n In.u'lnOII comoany se~sflotOry 10 you. I willlrranV' lor yOU to be nl"'Id a:; Ion payee on tile goliey. I agrll to orovloe vOU
, writtln 1.ld,n" 01 In,,,fan.a II reQulstaO by YOU f.om h"'I to time. " YOU IInlnca tMe gorcnlS. 01 any SuCh Insurance fO' "'a, I w,1I
I "'DIV you 'or tr'I., calt of thee i",urena" Dlus IMtlrtlt uo to U,,, contTlC't rata of IMtenUt. I fl.ltl'KlnZI you to turnll" I/;count dlta to oJ
I lI.a"'td InlurlnOI Iglnt of your CMole. so such Igent "'IV lolielt !MI gureh..1 01 crldll, DrogarTY. w.rrlnty o. Ol~ar insurlnce 'rom
- mI. I Igr.. lIIat till Inlu"nOl COn',OI"y '''IY "'I"a any o,y"'Int. dUI UJ'loer till "olicv oireC'llv 10 you, Ind I dirlel I~e inlurane.
1- CO"'OI"y 10 dO sel. You may do w~attvar YOU th,""" necessary 10 be sure met Iny o'oeeadl 01 ltI. Inourlno. will bl used to .eol" t~e
I . Manuftc:tured ~oml or OIY oil I~II COntract, I give YOU I oower 01 IltomlY Iwnion , ~nnol C1nCIIJ so l/'IIt you "'"r do wl'lltever vou
I . need to In Old.. 10 OGIlec:t I~I INu"ncI oroe..d.. III 111110 ObTain. mlln131n O' oav fl.r t~o r.Qwad InSUrance, or It 'ail to Irrlnge 10'
, . you to II' nlmlll .. IOU 0''111. YOU may IT..I m'l IS . de'lolt of "'r obllgIlIO"', Undar IMI' Contreet. Ind YOo mlV Ibut Ire "Ot
I1IQUlred tol oure/'ll.. .uo" iNUl'llnet. II you ou'o~asa suc" Inluranc., Will ''''melllllsly rePly you 'or Iny amounU you SOlnd In
I o~~..ing tnl In'Ul'llnel. OIUS interllt uo 10 III. contract rale 01 ,nwest or, It vo.r ootlon, DIY you ov.. hme 31 I wor.out 01 tl'l.
ObllVltlon. II I 0"'1 you 10' ,ny inauranc. lor for Ill' c~arg.., Iltorn.. I,.. or eollICtlOn COllsI, I uno.rnand 11'1 It Iowa In .ddltlonal
II\jm 10' Ill... dlllU blyond mv ",onthly orineio,1 Ind interut oaym.nt. My monIMIY,IVm.n! Wilt \I'1."'ore b. grllter Ihln t~11 statod
on D.D 1 until .11011 'ddlllo".1 dlbtt ." Olld in full.
'0. DII'AULT: I will bl in dlllull iI: 1Il1 do not "'1'1 I Olvmlnt on time; or ltil I co not "10 ,ny 01 m,Y olMer prom is.. under thiS
Connot: or (11111 lill I ca... or 'O"'ednl else t".. I ea"IVllnst me, und.r tIla Unttld Stllu glnl<t\JolCY CadI; or \iv) you feel ,n good
IIItII tIIlt tnl Manut'ctured Homl " In dlnger or lIIl1l w,II not ~a Ible to eononUI m / glym,nll, The d.tlult olSellb.o undar liv) dolS
-/101 IPllly II I~I. Contract IS guara"ltld by 111. Veteran', AdmlnlStrallon. You will glva me notlel of c~e datlult eoClOI wl'lln I
.0Iuml"ly .urrlnder or Ibandon \1'11 M.nullctureo Moma, I Wilt ~IV. I~' "ont 10 eue tha oerlult dunng tile nollel OOllod, 1/1 dO nOl
-CIll't ttll dll.ult. you mlV do eit~er or b011'l ot tl'la follOWing: 'a' Aecalartllon: You ':.1'1 reOUlla me TO ,mmadl.relv 01. vou Ina ent".
I1Im,,"'ng blllnet ot t"l. COrmll;t; IndIO' 1~lllepO"ISllon: You Cln reoossu, tMe \1ln"'accurld Io<ome. Onea YOu oat gos"SSlon of
\III M,nulteturlll MO"'I you mlY "II It, II Ii'll .mount Irom tno sail. .tter exo.nll". IS Ie.. lMan w"lt I owe you, r Wilt glY YOU lhe
..- dlll..lnet. II till" i. ,nV orOOlrty 11ft In t~1 M.nutactured Homa when you r..OO...... '100 "'IV QI'DOS. of It as orovioed by law. 1/ I
dlt.ult. YOU CI" do wMII"!.. II nloeslll'f to correct my dofault. If YOo SganO monlV 10 corre<;l my dallull. I Will O'Y Va" bacl<
Immldllllly wIIM intlre" 111"1 oonl"CI rile ot interUI.
I'. CUIlI OF DI:PAUI.T: I "'ay cu" a da'.ult It .nv tlml betore htla 10 cl'le ManU'IClure'J HO"'IIS "."s'erreo from me, which will ba
II"att .11 d.y. Iltlr racllOt 01 \1'11 nOliea ot dlllull. To e"re tMa d.fault I rnust 0..
1.1 l"lmourlll whiCh woulll ~a.1 b..n dUI in t~1 .~..noe 01 dal.ult and leeel..dtlo",
I~l r"aonabll Iltomev'. teal glu. court co.tS and IOlual out-ol.ooe"" eMOanses as lurther d,',n~d In O,,"gIIOh 1"
leI .ny 1.11 cI"..g" lttlt .rt dUI.
(dl r..son.~11 cOst. WI'IICM ,re actullly incurred tor Oltaening Ind trlnsgorl,ng tn. M,nofOctU"d Home 10 tho site of sale.
ell Olrlorm lIny 011111 obligations under dllault.
_. "'\1ft .110 glrlonn InV 011'111 obllgll1on I would n,.e Mid to gIrl arm ,n t~, absenc, of delavlt. I have t~a ngnt to CUrt . dl'ault ug 10
tII'lI 131 11m" In Inv cellnder y....
". NOTICI: Eae"OI for ,ny nOliee IIQ~lred undar aDgltClOle law to bl given In another manner. '" .nv nOtlcl to ml grovid.d lor in
~II ContrlC! '''.111 0. give,., In Wtlti~O bV ma11lr'\g SIJiWl"I "otl~d l)y c'f""Mled mail, addre Utd tQ me at tn. M""ufac:tur'd Horn, address or
It .ueh otMII addresl IS I mlY deslgnlta by nOtice to you In W"Mg, Ind Ibl any r ot'<:I 10 you Snl" be given In writing by ClrtlfllO
mill, rtturn rlOllot raouastld. to your Iddreu stated ~lIaln or to suel'l otMer adores. ss YOU mly deslgn.ta by notlc' 10 "'I in wntlnQ.
13. ATTOIlNIY" PUS, " yOU ~"I In Inorn,v wl'lo IS not I Slllnld emDloyM to colleCt wnlt I owe undar tnl, ContrlCI or IQ QIl
oo...."on 01 1M, Manull=/ld HO"'I or to antorel my ,grllmlnll Mereln. I m.v te "oulreo to Uly your rnsonlOla IttOrney'. t...
olut .O",rt .OSU Ind aotuII out-oI,OOO"", 1I0.n.es. II stltl Ilw orovlOas for I li"'lt 0:1 Iltorney's lees. I Will o.y only tna IIQllllmit.
1.. MISCILl.ANIIOUS 'ROVISION,: Th" W"ltln COntllct " 1M. ani v agr..ment tl'llt covers my ourCMUI 01 ,nl orooarTY. 'ThiS
COntrlC! e;," only be rnOdlfl'd or I""no'd. or grO\lI,'(.nl ,,, It waived Iglvltn ...,,,1. bv ~ written "'o(~Hic:aeIQM to thl, Contract Jlgned: bv
,all. YOu O.n d":ldl nOt to use or .nforee any ot your ngnu und.r Ihls ContTll;t w'tlo~ 101lng tIla"'. For .xa"'o'a, yoU can IXllnd tl'll
11"'1 lor m,"'ng '0"'1 glymentS Wlt~OUt Iwt.nding Ol~.r.. " onV Dirt at tMIS Contract cannoT bl ,nforced b.c.un 01 I Ilw wl'l'Cn
groMliu It. ,II Otnlr OlrtS Cln St,Il bl InforCld. I Igre. to glY YO" all allowabla eh.g.. '0' l_' ,,/urn by I deoosltory inStitution of I
dll~onorlO enlol, or Ot~lr nlgotllble instrU"'Int 10 l~e full .xtanl O,ov,dIQ by ,100""bll law, I .g'... to COOO""I' Wlt~ vou ragardlno
''''1 '.Q",'lts aft" ctO$ll'Ii to correct ,"ors tnad. conClmlr'lg fI'HS ~lJnr~act 'J' !t"Ie :r,anaact:Qn an'.:: to ,rOI,/Id. dn'f ,,"d all .ddltlOnal
documlnt.tlon d..med nac....ry by VOU 10 como"" t~I' t"n,actlOn
..... ..........., t"'" ,. (..... MilII (I'IOQ.].",,.II II.,... Q.,.....lolillc:.....III.. I,UI"
gill..""\,
1;1"'0.3'010' (4(9o:'ll
'1....1,..1
h"""..1
"U- l ,I 31
"Hl-~~-l;1:'~ .t;;....'~ j:,C: 07
,.. ARIITRATIONt All dllOUltI, CI",.,S~' "Jve'S'1S '""09 110<'1'\ l' 'e'Il"'Q t~ t~, Ie,;. t"< PBrr'es I",.'t~ SMII be 10IOlv.~
'v Dine.."; .rDII'.t10n bY Q"."l:mr.tor sel.....d b'; YOI"i Wit" m,; COM:s,,,t Thl$ .gr,er-n If't arJe c....r~..'l"It to , trdl'lSaetlo,", In Int,rstate
Qomm.rr.e and 'tllll b' governed by the i=lueral A'bltrltlon Aca "t ~ U S.C Stetlor ~ J\,;QQ/'T'ent .,gun tt'le h'Vlrd r,neJ,"U m,y 01
~nllr'd 'n ,ny court "'VIIIQ ,un'dlc:t,on. Th, P'rt'" Ig'" .no und'lSlIno I"al I",V e"oolO "b'I"IIO" '"stIOO of IIl'Qallon 10 "SOl",
dIIPut.., T", P"t'" undl/nand I"al I"av "ov, a "g"l 10 ;;~QIl' O'SOUIIS 'n COUtl, blOt l"U 1"1'1 c.,f" 10 'esOlv, t",iI 0150UIos
l"rou;Il arb'/rallon, ,.eogl II o'OVld.d "''''0, TH, 'AIITIIiS YO~UNTAIII~V AND KN'JWINGLV WAIVE ANV RIGHT THEY HAY! TO A
JUIIY TIlIAL 1ilT''''" PUIISUANT TO AIIIITIlATION UNOIII THIS Cl.AUSI OR 'lIRSUANT TO A COUPlT ACTION IV you IAS
'ROVlll'll HIRIIN). T". Olrt'u .g'" Ind und"51.no 1"11 .11 O'IOUIIS ,ow,g uoO', coso I......, SlIlUIO..... I.w .od .11 ot"er I.ws
InCluding, bUI nOI ',mlllO 10, ,II Conl"OI' IOrt ,no C'OP'1Tf O',cules w,1I b. subltel In b'"O,og "b'trIMn ,n .ccoro w'l" lhls Conl'.Cl,
TIlt 0'''111 .g", \h'l ltl, Irbltra/or shall ",va 'II OOw", prov'd'd bv 'aw, tIla Cc nll"et .no lha 'Qllemlm of 1"1 PlnlU, These
Qawer, .",11 ,ncll/el, all "Q" and eQullabl. /lrl'ledleB InC'Uel,ng. but 001 Iim'ltd \0, "onev ea,.,ages, elclaratory .elief .M in,unonve
/111,1. Natw'I".lInding ,nYI",ng "e/lunto I'" COntr....... YOu ,"a,n .n op~on to use IUO'C'" Ifll'"9 . 'IWSU'II or OOO'JUO'~lal r,,,,1 to
'"'arct a .ecurlr, agreeme"1 'al'Mg to tJ'la Manufac:tu"O Mome s~eu/lO ," . rr,nuc:non unoell'l,oQ th'S .rP'lrallon ag".mlnl. to
anforc, I"t "'anf.\ll'/ ob"g.no" ..curael bv l"a Mlnlrlaetureo Home or 10 foreclose on ma Mlnut3ctureO Homa. Tho ,nStllYt,on and
mllntlnanc:, 01 a laWSUit to foreClose Ul)on an.,. COllillr.l. to octa1n i monetary j\,l'=QmlMt or tc e~1crce ~"" $Icunry agreemenr. SI'l'III"lQt
;onRM' I WIIV" of th. rIght Of any "arty to Comg,1 arbitration 'tgif!JIM; any Ot"l~r d""\,Itlf lJf rvmedv subllct to ilfbltratll)n in fI'lIS
Comr,ct. Inelud/"g Ill. filing at , eoun/ere'.,m ,n a SU'I PIOUQ"I ~v yOu pu/Su,n/lO '''," prov,s,oo.
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRAC~' IS SUBJECT TO All CLAIMS AND
D"ENSES WHICH TH~ DEBTOR COULD ASSERT AGAINST 'l'HII SE~~ER OF GOODS OR SIlAVICES
OITAINED PURSUANT HERETO OR WITH THE PROCEEDS HIREOF, RECOVERY HEREUNDER BY THE
DIITOR SHJILL NOT EXCEED AMOUNTS PAID IY THe DEBTOR HEREUNDER,
NOTlCI TO IIJYER: ,. DO NOT SIGN THIS CONTRACT IF IT CONT~INS ANY BLANK SPACES, 2. YOU ARE
ENTITLED TO AN EXACT COpy OF TME CONTRACT YOU SIGN. KEep IT TO IIROTECT YOUR LEGAL
RIGHTS. 3. L1..IILITV INSURANC! COVERAGE FOR BODILY INJURY AND PROPl!RTY OAMAGE CAUSED TO
OTHIiRS IS NC)T INCLUDED UNLESS INOICATED IN THE PROPERTY INSURANCfi lOX ON PAGE ,.
~IIUYER ACKN~~LECGES RECEIPT OF A COM=L~:I,~OPY OF THIS, CO~TRACT.
,,#h./l..{..;;!.:il~,.- . . ~,I"' 7if. 'CL'.I....A;"Lo<U
ir.'tura 0,; Iwar IIllNI.l.D g, II1TlIEJ.OIJ SiQollur. of Buvar lA'l"'Irt.O:N H. W'tTIllllOIJ
ASSIGNMeNT IV SI~~!II
..n" ",'..v "III. ''''1'''' .nd tr,,,,r.,, III "'III', "gMt. tltll ."d Int,'"t !n thl Contrlec IJnd t~, grOQ'''''' dllontltd ~1't"'I" un. ."oP.rtv'"l
to A"I;"". To I"ClI",c::. A"I,"" to "urcl'l." (I,. Cormier. S,II" WI1"lnt. fl'l,r: II' 11'1, Corlfflct .,.,~ C\"I."ntv. If ,nv. ..,. g,nUI"', I.gally
Y.II~ ,nd ,,,,forg'lbl, ,,,d "e.. trom rl'll III, 0' rtol, P'CCI'''V; Ibl t"" CorH',c:r II .ub/let to no d.f'''II, 'cl,jn~"cl..m or ..toft: (e. 1:01:11" of
,tI. Contrtot ,nd 1111 ot"" document. ,ian'elI t1v !I'll l!uVlrl.1 VWtr. Qi'v.n 10 In, lSu\'.' Drill' to c;onlummltIQn; (d) S,II., hn compllld wiU"I III
IDDUubl. 'Id."l. IC,C' ."" loulllwl. "Qul'CIUnl. NI'I end ordln.I"IC"; (,I tnl IUVlr II, nQt . mlno, l"IlJ /'I.. Ilgel ':ID,city to lX,evc, ll"l16
Conttacc: (f) th. 'po.'rrv it ".. '"0 l:l..r of "II U,na .n~ .ncvmbt'f'lCII UUClC tl'\' ueurTv int,rne gr.,,,tQIJ h'''I'' and S,III' 1'111 t'" ";ht to
tllIl" it. int.rll! In thl C:onrrut: IOJ the "cymy .nr,r"t gr.nr.d to SIU" con'tltyt", . v,lId 'Irst II,,, Q'1 ('" "rODerw I,.,d h.. ~I'" 'll'd 0'
IIconl.o .ccordi"u to I.w intih.:,'ln; AII'\'iII'I" " 'Irat "l;lr,i"d Dflty; ',",1 l'" dow" ;I,v,.","t ,"'ow" lOIn t'" IlIc' ~'r,o' h.. !;le." "t;'lvld tJnd
"' 'I'''' th.,.o' WII' 'Clv,nC'G directly 0' I"dlf.etlv ~v 5.11., ra ."'V": Ii) 'II .r.tlm,,,t, Qf tlef mlet. In t~. Conrrlot ,nd .11 .t.t,m,nlt midi
IIW 01 ,n ."h,l' 0' th' 8I.1VI' In the c:r'dlt ';lplle'tlon, Ind Inv Qll'\.' to,m. rll'tln~ 10 r". eON,.." '" rN' to th. tHlt l)f S,lIl,'IIi"Qwl'dQf
,nd "'II,,: lj) I",vel' ..,.. p"'V'lul ~'M.g. I",,,,,.nc. I" r"'. .mOl,lnt 0' tl'le l"d.O"dl"l''': (kl tl'll'l MIVI b..n "0 meten.1 c:h.ng.. ,,, tl'l. Buy.,,'
incom.. inG.bt.d".... or .ml'lovmlnt 'nd 1"10 ;I".r "".rl".1 c:h.ng" bltw"" 101" .perov.1 I"d f"'''dlng, i"'ll II . c:onaltlon to ....10"..
"""din, th, Contrllct. If II"l"1 II . b,..el"\ of .J"V Q' tl'\. to";OI"; w,,,,.,nll'l. .. 101.,y d. :.mlll,.d tw A"19"'" w'll'Iout r'Olr" to t"" Sill.",
knowledgl with '11'DICt th.r.ro or AIIIO"II.', ,.h''''I:. th",or"t. S.Uer IQr,.. unCOl'ldr110nlllly t\l "p\m:""o tn. Co"n,.:t 'rom A"IO"I.. l,IlOI'I
"'mind. ,., t"', !I"'II .mOl"lnt (h,,, U"'I'd glut eo.tl ,nd '1(1""'" .new".," bv AnIOr'l111 (ply, fr;cr\J.d oSnd lJnglld IPH"..tl, 'Nt'l.I"'I" It'l.
CO"I'f'Ct Ih,lllh,I' bl. ", noc be. ," cf,r'\,jll. .nd to I"d.mnl'';', d.r,nd .nd l'Iold AII'on.. l'I.rml,,, f'om IInv 10... d.m'O"1 or cll,ml 0' .nll
nit",. try ""0" el' II,U:'" brtlc" ot WI".nl,;" l"c1ud,no '"''''',v'' ''''. I:Oul'1: COlt.. dl.~'''m.''l. Ind QYt.O"Clocklt ..g."....
..11" 'urtn" Ig,... t.,.t In tl'l, .v,nt Buv,r ....rt. IO.,,,.t A"IQ"" .nV cl'lm, dl '.".. or 1;Ol,JI"lt"l:lalm ';11"'1 ".vment 0' Iny .um
OWing Under thl Contflct 0' i" d.,.".. 0' '.go.....'on 0" r". ""'1'1:10". .nl'l" orll or ~fln,n, t",.r tn. "'rog,,,..,. I. dlf,c;IIV'. "ot "
"II,...nt.d 10 I"""., b,;, S,lle' 01' r~.t S.ll" 'I""'.. to ~o"'o' ,ny W,tT."rv \I' I'/'Vlet .;,.,,,,,,.,t Of S'II" 0' t~., ".,.nv'leturer. S,u,r Will. upon
A..I.n.... ~.m.r'd, ""u,e"", ~h. Co"tr,et trom AII!Qn.. Ifld DOV .U'a"l' C"'I ""II ,mCl"'Mt r,""lr,I"'O ""ng'ld (;lr",. IC:C:Nld .nd unD'ld
Intlrlltl "IU' .....iO"...' co.l. and IJIDln,.. InCludlnQ InCl''',V'' fl", 'N"lIl'1l' or nOI ""''1 IlJCh etll"" 4,1'1"11, 0' ~OIJ,\tI'Cr.lm 'h.1l bl
'''''It''IO,,,. 'nd Wlthoul IweUI"V 'dlUdlC'tlOfl or Byv.'" elllrn. del.fllI Qr COUr'lttrl:l"I"', Ind S,ll" ~I.c:. IIQ'1lI1 to Indlm"lfv. dlf.nd I"d "'old
AI"'"'I ..,.,,,,1..11 t,o", '1'1";' .",oh el'I"", Inclu!Jing .no'".v.' t.... cay" co.t.. dllbv,s.1T ,/"ltt l""d ovt.ot.ooe_,t ..g.n...
Th,II.tlllity of SIUI' sholl nOI b. .H.et,d bv ,ny IIUnllon. "",w.1 Or otn" CI'I.nQ' 11 tl"\O m,Mtr, I:IIIC' or term, 0' p,y"".,,t Ih."o', 0'
th. '.1..... .."him,"! 0' comp,oml" ot or Wit" ."V CIlIIt'! Iilbl. 'or !:i"/m.nr l"I',Of, 0' ~t11 r.I.... or "O"'D.rl'e~lon of ''''';' "cu'lr\,
l".r.unde,. ....III'.. 1"111 "ot tI, ~q"""d to O"S",.I IC' r.cour" .YII",t iil,Jvtr 0' IMV 01"" C1'rlO" 0' '''II I,CUrlCV bllore b'lng Inml.d to
Ol'fm.", by thl ,.11" I'IIrtu"d". SIII.r W'IV" "otll;J 0' leC'Dt.nel of t"'1 A~rJ'I'I'\'Mt and nOllCIII 0' nOr'1CI.."m,,,t ,"d "'Q1";.11or".,.,,cI 0' U'l,
Contract Il'I~ ,nv Ot"'.,. nollr:.. "QVIf,U bv l.w an~ W,IV" .11 IItOrl, .t'ld CQI","ttrcl.im..
In ,ddltIO". 'hil; .....IQ"""nllnct"'d.. th't CI"'II" ,,'O\lI'lon to tallow. "rovlc1'd r/'llt, It l'Iont of 1M. IClllo.",/IJ1Q .0'01\11110'" "'II b.." e"'Ck'd bv
t", .,1Ier, t"'i. ."IOl'lmll"'l,t .,",.11 ", c:onlld.,.d to 1'l'\I' b.." c"'.r;:k.d "Wit'"' ~'';O\,l,...: A. .WtthoU1 R.Clo"'....'.. TI"l. ,,,lgn,,,I'" of the
Conv,ct II Ind 11'.11 b. wlll'laut "COY"', 'QII"lt rttt s,ner exeto~ .. .o'o\lld'd .bov. .,d 11"1 .,,.,V "".r.tl dill., .o,,,,m."t b.tw.,n S.II"
.".1."10"" ,.1.0"'0 fa thl """rc"." of C(ll'm.erl. .. ~U""i1" ".c,o~tt.'. 11"1 tl'1. .v.nr 01' dl'llJlt of BIJ.t" ".fo"l SUYI' shill ".V. .'Id 11"\.
""'mblP or mOnt"lv IIIVm,nr, u"der u,. C:ol'ltract ., tit lortn 1.'l.IOw ufld., "~I"'lIt8d ~'C:"lJl"1'., tl"l. S.III' 'NIlI, ul)o" d'rr'l4lt'ld. "purOhll. Ih.
C:Ot'lI"C' '1'0'" AII'II"'" '0' Il'll 'ull ''''''eUt'l1 rem,"'llng """D.id y,'CSe, tn. Ca,,.,I'IC;t. L ."''Iu'cl\e'I~. :t 1P"l1 ."IQI"I" '.po"..... tht
M."Uf,ctu,td 1040'"'. tn. S.lIar w,11. uoon c.:1"'lntJ. "IOu'C"'" tl'l. CQI"t'ltl "0'"" l~. AIIIC"'" ro, Chi h"ill ImQu,.,r ,em'I'III'o; LJ".,.d un.., th.
Con".CI. D. lOW.." 1Il...uttl". n... S.II., u"'CQndltlOr'l,lIy QYI"nttts ~1I"WI,rH 0' tP"le h.1t ''''''Ol,Jnt r'''''I,wlg unp.,d I,Jnder tA' Cont'let 'l'1d
'0'''' to purc"", U" eO"HrlJ~1 I'OM tl'l. Anion... uClaI'! fJ,n'l.t'ltf. rQl' tM. lull SITIOIJ/''.t tl'Ht" u"ul,d. '^'''IH'.....'' 11'1. Contr,c:r ,,,,,II b. in ~.f'\,l'I.
I. .Umned A..lll'.;.,....". I" I", ,v.nt at dtrll\llt 0' l\,iv,r ~"Q" Wl,Jy.' II'I.d "'a~. Plld tl'\. ni"irrtOtr 01I'1"1Cr1I~lv Cl6vm.ntl u"'2tr the Concr.c:t IS
IIt'lrth b.low """eI,, -l.,irrllred ~'''\,lrc''''''., ~h, S.lIltr will. U~Ol"l et,mllMd, r,g~'cn.u t"'. COr'lrrlct Iroln !". A"'IQ"" la, tl"ll lylt .mQ~"H
r,,.,,,ini,,; U"P'I~ ,~"'d., tl'l' COt'll'lct Ir tl'l. "UI;"'" p.QO..."el th, MSl"iuflll;t\u'd ""o,""~
Iv:
I
t'.ct Itnd ,110 "'Ion, t", ..",. to 11'\. "'llign.. \1"1 .~c:",d.r:c. With
rt'I" ;lrO'JI'lon lit for"C1'I ,00'1' w,,~r;,U.c.trJ b.ION
ISelleli T,tle'~,...
( I C. ReQl.lrc:I'\Ul!'. ( I O. Wlt~ ~eCOI"l'SI
t?"llt 'O"OOll'l' D'OYl'IO"I.
...... .VlI...., ."'.. II eloue, MN 1'.'00.]1"3:3.11 ,"," ~r''''M''C;:l.'''Lh IIU/U
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9RE(!7REE
NOllCf OF IJUAlJl r
ANU
HIGlt I 10 ClJlll llll All! I
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Dlte 01 Notice lIIOIM
~"It TIff "lMSIH1 ml~CWT roo
I
\-:'..:.t.:~;r :"lame Iln~ .a':dr.u
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IOS UIOIORIIlO..Il05.rn.!,:JITf lOG
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Account No.:...-_
.Illef IcIerIlIlIoIdIon 01
. ad treneIlCtIon:
"'1ft..
C4rt'<f11d WI'
Mellllllctum II01lM1 kiln
Forty.1Ive (46) day,'rom tt1e date 01 !hIe NoUce (811 des<:ribed below) 15 tile LAST [)ATE FOR PAYMENT.
....i
'. .
lithe AMOUNT NOW DUE.
"
You are In OEFAlIlT on thll cre<frt traneacllon. II you pay the AMOUNT NOW Dl.E (above) (plus ail amoun13 c:cmlng due dunng
ttle cure period) by the LAST DATI: FOR PAYMENT (above). you mlY continue w'lh the con~ as though you were not late.
,;. At ttIe eXplratlon'lJI ltllrty (30) dlys Irom the date 01 tt1la notice we can take ectio'11O repo$Sess you MarufiC1Ured Home. Upon
. ~ c,..ulon eM sending 011 natlce of Pr1vlte lIIe you will have Metn (15) days remaining to pay tI1e amounl then due, You
: mlY 1110 cure YOIJr detaurt by IlOntaCting. wtttlln tne time allowed, lt1e G...n Tree Financial Servic:ng COflloratlon, C'Green Tr..")
:- rep.....ntative Nle<l belOW to ItqUMt a mO<liflcatlon Igreement or repayment allreement from Green Treelcr "payment of tI1e
alleged default. You mutt complete Iny mO<lific:atlon or repeyment ag"ement allowed by Green Tree to curel!1ls derau~, II you
1aI~~ yWr dlllault ~ taking !he steps Il$ted above within the cure penod des<:nbed above, lt1en as Of
L. ._.111 ,. . the maturity 01 ltliS c:cntract I. automaticallY acc:elereled and full payment or all amoun.1S due In the
t;1mClUI'Il 01 s-- .mi. ' . . ehall be due and payable (Including the remaining unpaid principal bala/lce
r plus lamed InteriNt to such date) without any further nctlce lrom us. Additionll e~ens.. accrued after the date olltlls notice
~.ahall aIao be dufl and payable, II this delaurt Is not cured, Gr~~ TIGe will I-p')rt tt11 defaurt~.loan 10 Ihe"appropriate credit
,. -. ~.", -- .~. " ~'. . , . ,,'
r......"II.._.-...,1 .. ',. .,.. ' .. ..
. IF ~IS lOAN IS FHA INSURED. IT IS INSURED AGAINST NONPAYMENT SY THE FEDE~l GOVERNMENT. IF YOU 00
. NOT REPAY THE LOAN AS AGREED. WE MAY ASSIGN THE DEBT TO 1HE US. OEPIRTMENT OF HOUSING AND
. URBAN DEVElClPMENT (HUD) FOR COU.ECTlON. FAIL.URE TO PAY THE DEBT IN ACCORDANCE WITH THE TERMS
:. SET BY HUO MAY RESUL.T IN ANY OR Au. OF THE FOU.OWING ACTIONS:
. SlIZ1NO YOUR FEDEFW.INCOME TAX REFUNDS,.' )
. (!AfIINISHMENT OF YOUR WAGES IF YOU ARE A FEDeRAL. EMPlO'Y EE.
. RI!FERRING THE DEBT TO THE U.S. DEPARTMENT OF JUr.rIC~ FO~ COL.LECTlON. J
, .
II your loan Is ~iA Insured end you I'" unable to Cl.re the dorau~ due to an ir,voluntary loss or employment or Other r...on.
couns,Ung UlIi"lnce may l:Ie aVlilable to your Irom certeln agencies that are '1UD.approved mortgage counseling agencies.
You may contact u. to illl the name 01 the mortgage counseling agency that 15 cle,.-st to you.
, II you ate lat. "",ore than three (3)tlm.. in any calendar yeer In mak'ng your payments, we may e~erclse our righll without
Mndlng you Iny other Notice(S) lilee this one, It you abandon the homo or volunli nly sU'Tender rt In U11 Mure we are not required
to Mnd a Notice ,~, Default to you, II you ~Ive any qumons, prom ply writo or tel',phone us al the addreS$ gillen above,
EXHIBIT "C"
Notice of Intent to Repossess
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