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HomeMy WebLinkAbout96-03305 iii ~ j :r:>> t~...:J j j-= : :>> i~J .: lCt) \ 'x "", ' . -,''- . 0': I 1 I I 11 1 I ~ I , i ~ ' i j M I ~) 0- ~ . IN TUE COURT OF COMMON PLEAS CUMBERLAND COUNTYt PENNSYLVANIA FIRST NATIONAL BANK OF LOYSVILLE v. KREIDER'S MILLt INC. MARK D & MAUREEN C. KREIDER No. 3305 Civil 1996 (Original Docket 1025 Civil 19B7) PRAECIPE TO SETTLE, DISCOONTINUE AND END AND TO SATISFY JUDGMENT WEIR & PARTNERS 100 S. Broad Street Suite 1200 Land Title Building PhiladelphIa, PA 19110 (215) 665-8181 ~ ("', ~ '.1 " r: _J " I '1; , { , I r I . ''1 - , I ;, , ;rn I' ' ;\.) I -: (~) ) . "i\ .. .; ~" , I - " r" ~ ril I :n " --,- ....1 ., -~' - l' " ~', .' t ~. \ " . WBIR " PARTNERS By: Susan Verbonitz, Esqui,re Attorney I.D. No. 47015 Suite 1200, Land Title Building 100 South Broad Street Philadelphia, PA 19110 (215) 665-8181 FIRST NATIONAL BANK OF LOYSVILLE IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. KREIDER'S MILL, INC. MARK D. & MAUREEN C. I~EIDER : NO. 3305 Civil 1996 : (Original Docket 1025 Civil 1987) CERTIFICATION OF SERVICE I, Susan Verbonitz, Esquire, hereby certify that a true and correct copy of the foregoing Praecipe to Settle Discontinue and End and Mark Judgment Satisfied was duly served upon counsel for Defendants, by first class mail, postage pre-paid, on the date set forth below, addressed as follows: Steven E. Grubb, Esquire Goldberg, Katzman & Shipman, P.C. 320 Market Street Strawberry Square P.O. Box 1268 Harrisburg, PA 17108-4161 Date: November 5', 1997 . , .. wlIa , naTnRI BYI Susan Verbonitz, Esquire Jane M. Leamy, Esquire Attorney I.D. Nos. 47015, 77457 suite 1200, Land Title Building 100 South Broad street Philadelphia, PA 19110 (2155) 665-8181 . . FIRST NATIONAL BANK OF LOYSVILLE I COURT OF COMMON PLEAS CUMBERLAND COUNTY v. . . . . 9~ - 3iM-'- (I ;,,~~.L KREIDER'S MILL, INC. MARK D. & MAUREEN C. KREIDER . . . . NO. 1025 Civil 1987 . . PRABCIPB ~OR WRIT O~ RBVIVAL TO THE PROTHONOTARY: Kindly issue writ of revival of judgment entered to civil action no. 1025-87 and index it in the judgment index against Kreiders Mill, Inc., Mark D. Kreider and Maureen C. Kreider in the amount of $212,835.30 with interest from April B, 1987. WEIR & PARTNERS By: Jane M. Leamy, Esquire J-<, A~. C / 3. You are required within twenty (20) days atter service ot this writ to file an answer or to otherwise plead to thi. writ. It you fail to do so judgment of revival will be entered. -t:~l1LLC [1.\ Jr,Ll)t,t ~~ONOTARY BYI Date I ~j" ' lJ.. Ht-'? I ( f 2 G ~ cu ~ ~ IP. M (C~ :1: .,. u.. r.:.: " N r'_ c., lU ~ f~ ~ tJ. lD o 0" t ~ \.., .., <1-< ~~ , '~\J ". '" ~ ... ........... , ~ .. ~ - ~.J.. .,.~ c .. )-. ~@ "'4 .." ...... .e _ l,:-) __' ~ ~~....... icl' hJ .j;:~ ,)~ ,'~~ ,"7' ~ Ilea C';JD. ":5 L> ~~ ~~J ~ ~~ '\;J -....:::l-........ ......\Xla I~~'- ~", ~~\~' GOLDBERG, KATZMAN 81 SIUPMANt P.C. Ronald M. Katzman, Baqulro . I.D. 107198 SlOvoa B. Onabb. &qulro . I.D. n5897 320 Markol StrooVStrawborry Squaro P.O. Box 1268 Harrl,bura, PA 17108.1268 (717) 23....161 Attorney. ror dorendanta FIRST NATIONAL BANK OF LOYSVILLE. Pial nti ff IN THB COURT OF COMMON PLEAS CUMBBRLAND COUNTY, PENNSYLVANIA v. No. 1025 Civil 1987 (Original Docket) Writ of Revival: 3305 Civil 1996 KRBlDBRtS MILL. INC.. MARK D. KRElDBR AND MAUREEN C. KREIDBR, Defendants NOTICE TO PLEAD TO: FIRST NATIONAL BANK OF LOYSVILLB c/o Susan Verbonilz. Esquire Weir & Partners Suite 1200, land Title Building 100 South Broad Street Philadelphia, PA 19110-1087 You are hereby notified that you have twenty (20) days in which to plead to the enclosed New Matter or Default Judgment may be entered agalnst you. GOLDBERG, KA~ZMAN & SHIPMAN, P.C. By: , teven E. Grubb, Esquire 1.0. #75897 320 Market Street P.O. Box 1268 Harrisburg, PA 17108-1268 DATB: ;7/17/% .~_.. '"' -- - ._.. .~-_.--.., GOLDBERG, KATZMAN &. SHIPMAN. P.C. Ronald M. Katzman. 1.0. #07198 Steven E. Grubb, /,0. #7'897 320 Markel Streell Strawberry Square P.O. Box 1268 Harrlsburll. PA 17108-1268 (717)234-4161 Allomc)!s ror dercndanls FIRST NATIONAL BANK OF LOYSVILLE, IN TilE COURT OF COMMON I'LEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff v. No. 1025 Civil 1987 (Original Docket) KREIDERtS MILL, INC., MARK D. KREIDER AND MAUREEN C. KREIDER, Writ of Revival: 3305 Civil 1996 Defendants ANSWER AND NEW MATTER Defendancs, Kreider's Mill, Inc., Mark D. Kreider nnd Maureen C. Kreider (hereinafter collectively referred to as "the Kreiders") respond to the Writ of Revival filed by plaintiff, First Bank of Loysville (hereinafter referred to as "Loysville") as follows: I. Admitted in part and denied in part. It is admitted that this is a proceeding to revive the lien of the judgment entered to 87-1025. It is denied that this is nn action to continue the lien of the jUdgmenc entered to 87-1025 as that lien expired on April8t 1992 without being revived by Loysville. Agreement attached as Exhibit A by making timely monthly payments since the date of the Agreement, December 14, 1990. Therefore, as of December 31, 1995, five-twelfths of the accrued interest ($22,365.57) on this judgment has been forgiven by Loysville and satisfied by the Kreid.ers. 8. The Kreiders have made timely payments through the first seven months of this year (1996) and as of December 31, 1996, one-half of the accrued interest will be forgiven, or satisfied, under the terms of paragraph 2(b) of Exhibit A. 9. The Kreiders' timely payments, pursuant to the Agreement aUached as Exhibit A, have also resulted in a substantial satisfaction of the balance of principal with interest still due and owing. Presently, the amount of the judgment due and owing is substantially less than the amount of the original judgment docketed at 87-268. 10. Based upon figures provided by PNC Bank, the Kreiders have satisfied the judgment to the extent that only $110,417.10 is owed as of July 31, 1996. 3 . WHEREFORE defendants request that the Writ of Revival be dismissed and stricken from the judgment index. In the alternative, to the extent a revived judgment exists, the revived judgment should Indicate the partial satisfaction ofthejudllrnent and the revivedjudllrnent should be entered in the amount of only $110,417.10. Respectfully Submitted, HIPMAN, P.C. BY: Ronald M. Katzm ,1.0. #07198 Steven E. Grubb, 1.0. #75897 320 Market Street I Strawberry Square P.O. Box 1268 Harrisburg, P A 17108-1268 (717) 234-4161 Attorneys for Defendants Dated: 1/17IU. 4 ..",,"un@ '-.::;;. l f :"i ,. i . i . .1 I I I t. , \ exhIbit A . ~ "j 'l....~ . " fl.~...:'r ( !>< " . il ~ Ii. : I.f . f i.1t ~_ _._ r ~..,.. ~__..... ,,<. _~ ~. ',-".. rn::,J ag/l<!<E?JlER. REV " ! I balance, accrued interest, and interest rates set fort., t."lerein are true and corre-::: as I of Septeml:er 10, 1990 and that the loans set forth t."lerein are the binding and valid obligations of t."le Borrowers na~ed tf.erein. Loan Nl.:uber 3900005866 114334463- 5701 30000993 Borrcwers . Date of Present Prin. ,\c:::rued Interest Note Ealance Interest Rate Kreider's Mill,' Inc. 1/29/87 ~203 ,248.27 ~53,677 .68 Fe--:. Ois. +2 Mark O. il:reider !o'~ureen Kreider il:reider's Mill, Inc. ~ 76,446.32 9.S~ Mark O. Kreider ~!aureen C. Kreider Kreider's Hill, Inc. ~ 22,903.94 S13,064.47 , 's. -,. Kreider's Mill, Inc. 01/29/87 ~ 27,871.12 l<!ark O. Kreider (principal balance represents ~!aure~~ C. Kreicer accrued interest en ober leans) KFeicer's flill, Inc. 01/29/87 ~ 68,867.20 Mark O. Kreider (p.L,cipal bal~~ce rep.esa~ts !o'~u.e~~ C. Kreider accrued bterest en ot.1er leans) 2. K.eide.s and Kreider I s full ag.ee' that collecti';ely they shall make an aggregate payment of ~1,633.41 bi-weekly on lean Nos. 3900005860, 143344635701, a'1d 30000993 . ccmneneing on the 21st cay of De-::emter, 1990, ar.e ccntinub; each 1:our;::een (14) days thereafter fa. a r;eried of fifte~~ (IS) years ,or until seener pale in full. The entire balance re!r.aining en the afo.esaid loans, if not scener due ar.e Fayable, shall I:e due fifteen (IS) years frcr.l the cate hereof. .~.ll such mcnt.lly Fa~"ents shall be applied first to t.,e Fayrrent of inte~est on the ato.esalJ pri..icipal I:alance of Three Hundred T'tlO Thousand Five Hundred Ninety Eight Dollars anc Fifty Three Cents 2. ii-g/m:/DER.REV m02,598.53) to principal. at t."le rate of te..''l (10') ::crcent cer annt.:m 'o'Iit., t."le bala.r.ce .bei..~c at:'Olied - .. . ... . The rrx:nthly F:a~1rents 'shall ~ a~orticr.ed am::ng t.1e leans as fcllc-o'Is: Lean N\.lIl'ber Percentage 3900005866 14334463-5701 30000993 67.17' 25 .27' 7.56% (~ The parties agree that the interest rate on all of the aioresaid obligations shall be t~~ (10') percent per annum. (b) The Bank agrees that for e1Je~"'j t.,.;el'le (12) rr.cnt:u.~. -;a~".ents mace by t.1e Kreiders ar.d Kreicer's ~lill as set forth above t.1at t.1e Ear~ shall fcr;ive cne-~np.lith (1/12) the accrced interest owed to t::e EaJ"'.k by K.:eicers ar.d Kr~icer' 5 Hill on t:'1e t.lJree aforesaid loans set forth aJ:ove anc the notes cate-:: Januar"! 29, 1987 for accrued interest. (c) Sl1culc Kreicer' 5 flill and Kreicers fail to :rake any of the rr.cnthly payments called for aJ:cve 'o'Iithin fifteen (15) cays of their cue cate, said cefault shall be considered a default under t.,e t,er:ns of lean nlm'.::ers 3900005866, 143344635701, and 30000993 and t::e accrued interest obligatieris dated January 29, 1967, and t.1e Bank shall be free to pursue any and all ,.re:nedies it may ha',e under e:<istir.g lean dcc\.:rr.ents or uncer state laH to collect the entire pri:\ci~ balar:ce and any accrt:e:l L,terest due cn t.1e aforesaid e~is~ir.g leans ar.d accrued interest cbligations. 3. Kreider's Mill, Inc., herebv for itself, its officers, direc~ors, ~1areholcers, successors and assigns, and flark O. Kreider and ~!.aureen C. Kreider hereby for themselves, their heirs, successors, personal r<!presentatl'les ar.d assigns, hereby \ releases, quitclaims and discharges !!ank, L<Jysville, Conmenwealt." their officers, shareholders and dire-:tors frcm any and all liabili ty, clai:ns, ce.'1'ands, causes of action or ohoses in acticn, wbether dire-::t, ir.dire-::t, ccntir.gent, 'nhet.,er e:<isting nc-o'I or whether brcught in the future arising frcm all acts, actiens, acts of anission, representation or nor.disclosure by Sank, Loysville, Ccrrrrcnwealth, t.1eir officer, agents and ~~loyees frem the begi!l!ling of ti~e to the date of these presents. - 3 - ,...... ag/KRE;rDER.'WJ .. 4. Kreider's Hill, Inc., and :'!ark D. Kreicer and ~!aure~n C.' K:eicer, h'lreby . aPl=Oint the Bank, and/or ~.n'J of its'officers as attorr:e~'s-in-fact for t."le ;:ur-;'..ose of e:<ecuting all decurrent::: neo::essar-j in t.'1e epinion of said ~ttorneys to re'/i'/e any juclgment entered against them by t.'1e Bank, Cerrmonwsalth or Loysville or to e;ce-::ute continuation statements for any finar:cing statements given to the Bank, Ccmmcr..ealt.'1 or Loysville as more fully set forth in Exhibit A attached hereto and ~ade a part hereof by reference. 5. This }..greene."lt shall nct constitute a novaticn of the exi.s~ing lca.'1S or the creation of a ne.. loan but ratl:er is enly an extension of t."le exi.sting lca'1S and a incdificaticn of said leans '""it., re~eC': to t~e interest rate ar.c repaiir.e."t ter:ns. NothL1g herein contained i.s inter.c~ to medif? or adversely ai:E-':t a.'1y security agreer.ent, finar.cir.g state..rnent, sC':~r.:..ty ir:te:e5t, mort;ac;e lien, or juc;ii:ent lien entered by or gi';~~ to Eank, Loys-ville or C...Il.,.cnllealth by any of t::e Dectors. 6. This ",gr~ent shall be bir.ding en ---.':e heirs, successors, aCministrators, successors and -'aSSigns of t."le parties hereto. 7. If the Eorrowers' are not in default uncler the ter;ns of bis acreement, t."e Eorrowers shall have the optien of ~aking the Fa~'nents called for hereL, on a bi-..'Sekly basis. nl NITNESS \001-::E:I,::CF, the parties hereunto cause<::l this .1,g:~~nt to !:~ e:ce-::utC'.J as of the day and year first atove ..rit:en. TNESS: I ,~...., - ,,/- // ~: : C~.:;::----~ I /' ~ 1'."-'. .r .'.../2.: './.7- , , ,..". "../1..--, ,"- /" '/ !,,,,,., ..1. ,(, ,./ .. , .../.. ~!ar:~ D. Kreicer (SEAL) )1 ~ /4,,1-1 tt2-,(~, /11d.P.A I'~u~~en C. Kreider ,(SE,>L) 4 - ~~IDER.REV M'l'ESI' : , .. ,t', " . . I. - .. " ,.'~. 7...: ". '. , J~/):... Secretary MTEST: ....~ ,. "'--:--"...'- '-',.- Secreta::'j ',\6, Kreider's ~!ill, Inc. By: ~\1.. ~, ,,/. J-"...,:L /' e......... CQm Bar.k, N..1\. Ey: .~.p""'....uY'.. ~ V&..o/)I "h /;.p {l '! ~/ fI .. - 5 - CERTIFICATE OF SERVICE I hereby certify that I am this day serving a copy of the foregoing document upon the person(s) and in the manner Indicated below, which service satisfies the requirements of the Pennsylvania Rules of Civil Procedure, by depositing a copy of same In the United States mail, Harrisburg, Pennsylvania, with first-class postage prepaid as follows: Susan Verbonltz, Esquire Weir & Partners Suite 1200 Land Title Building 100 South Broad Street Philadelphia, PA 19110-1087 GOLDBERG, KATZMAN & SHIPMAN, P.C. ~~Yt?/ Steven E. Grubl>, Esquire I.D. #75897 320 Market Street P.O. Box 1268 Harrisburg, PA 17108.1268 DATE: '?/17/7~ ~. en I. . ., , u/ ,..: ; ( ). f' .I, (,', ,-n G' .' [i' : .' ,:1 r < ,.'- ,. . () ." "BIR , PARTNBRS By: Susan Verbonitz, Esquire Jane M. Leamy, Esquire Attorney I.D. Nos. 47015, 77457 Suito 1200, Land Title Building 100 South Broad Street Philadelphia, PA 19110 (2155) 665-8181 FIRST NATIONAL BANK OF LOYSVILLE Plaintiff, COURT OF COMMON PLEAS CUMBERLAND COUNTY v. KREIDER'S MILL, INC. MARK D. & MAUREEN C. KREIDER . . Defendants. . . . . NO. 96-3305 Civil ACKNOWLEDGEMENT OF SERVICE I hereby acknowledge service of the writ of revival in ~' the above-captioned matter this .1::' day of . (,,01 ' 1996, on behalf of Kreider's Mill, Inc., Mark D. Kreider, and Maureen C. Krieder and certify that I am authorized to do so. Ron~'1~~t~isqUire GOldberg, Katzman & Shipman, P.c. 320 Market Street Strawberry Square P.O. Box 1268 Harrisburg, PA 17108-4161 Attorney for the Defendants . ;'1 " :0.. fj, C> i;. " IIll'} -. C:t' . 1'- , , '"I I "~I C?:, '" '.',:; P' .' .~, i, ; L. ~ ;, I . 'I. " lr, U UI ',J ~ ('rJ ~- - I"~ r N :;.~ JJ :A~ j"Jl-' '1. '-':( ~j , {~J ,k ,... '~ I .J ,,' !:' r;-j~ 11,; ;:( ~. ~ lJ '" ~! U. i3 c-' ~ . 1Il:;j g ~p el <H .... ~~ '1;l CO ~~ S ~ :;:l c '" ... '" ~ ::l 6 '" lQ ... I'< ':'0 ...... 0 ....... 18 :;:l . . g!:: .....'" ~ uu ......... ~ a :><~ ....... ~~ U IQ . o-l !-<1Il..., I>- ~g ~'1;l"Cl~ :g ~ <l'" ... :3 0 . co '" ~~ ~ ... "'... ~~ '" lQ....CO H ~c ..c:ll . ~ 1Il... o..c:l ~\J'\ :2 eJ' r:4N"".....ID 8 f""'4 =' lU \Q ~,:, ~~ ... 0 '1;l !-< ..1Il~...... ~ ~~ ~... \J'\ ~O"r'4.... ~::lC..c:l'" ~ cn....P-t- II I , I gIlt , I'AJlTHn8 By: Susan Verbonitz, Esquire Jane M. Leamy, Esquire Attorney 1.0. Nos. 47015, 77457 Suite 1300, Land Title Buildinq 100 South Broad Street Philadelphia, PA 19110 (3155) 665-8181 FIRST NATIONAL BANK OF LOYSVILLE IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. KREIDER'S MILL, INC. MARK D. , MAUREEN C. KREIDER NO. 3305 Civil 1996 (Oriqinal Docket 1025 civil 1987) I'LAIIl'1'II'I"S RBI'LY '1'0 DBI'BNDANTS' NEW MATTBR '1'0 WRIT 01' RBVIVAL Plaintiff, by and throuqh its attorneys, Weir , Partners, responds to Defendants' new matter as follows: 4. Denied. It is denied that the Defendants have satisfied, partially or otherwise, the jUdqment. To the contrary, the Defendants have made only certain monthly payments toward their obliqations for the jUdgment to the Plaintiff. 5. Denied. It is denied that this judgment was incorporated into the De;cember 14, 1990 Aqreement (the "Aqreement"). To the contrary, the note executed by the Defendants and evidencinq loan number 3900005866 was recorded as a judgment on April 8, 1987. The loan, and not the jUdgment, is the subject of the Aqreement. By way of further answer, this averment is denied in that the Agreement attached to Defendants' New Matter as Exhibit "A" is a written document which speaks for itself. 6. Denied as stated. The Agreement dated December 14, 1990 and attached as Exhibit "A" to the Plaintiff's Answer and New Matter states: The Bank agrees that for every twelve (12) monthly payments made by the Kreiders and Kreider's Mill as set forth above that the Bank shall forgive one-twelfth (1/12) the accrued interest owed to the Bank by Kreiders and Kreider's Millon the three aforesaid loans set forth above and the notes dated 3anuary 29, 1987 for accrued interest. By way of further answer, this averment is denied in that the Agreement is a written documents which speaks for itself. 7. Admitted in part, denied in part. It is admitted that the Defendants have made certain monthly paymentG pursuant to the Agreement. It is denied that Defendants have performed their obligations under the Agreement by making such payments. It is denied that any part of the judgment has been forgiven by Plaintiff or that any part of the jUdgment has been satisfied. To the contrary, payments made by the Defendants on their obligations to Plaintiff have been credited toward the total amount due and owing to the Plaintiff. 8. Admitted in part, denied in part. It is admitted that the Defendants have made payments this year pursuant to the Agreement. It is denied that, as of December 31, 1996, one half of this judgment or "accrued interest" will be forgiven or satisfied in that the conditions necessary for forgiveness or satisfaction of the judgment have not yet occurred, that is, payment by the Defendants of all amounts due and owing to Plaintiff. By way of further answer, this averment is denied in that the Agreement is a written document which speaks for itself. 9. Denied as stated. It is denied that the Defendants have substantially satisfied the principal balance of their obligations to the Plaintiff. It is denied that the amount of the jUdgment currently due is sUbstantially less than the original jUdgment amount or that the jUdgment subject to this revival was docketed at 87-268. By way of further answer, all payments made by Defendants under the terms of the Agreement have been credited to the Defendants' outstanding obligations due and owing to Plaintiff. 10. Denied. It is denied that Defendants have satisfied the jUdgment and that, based upon the figures and schedules provided to the Defendants by Plaintiff, the balance of the judgment is $110,417.10. To the contrary, as of July 26, 1996, the amount due and owing by Defendants to Plaintiff on this obligation is $138,806.67. By way of further answer, after reasonable investigation, Plaintiff lacks knowledge or information sufficient to form a belief as to the truth or falsity of the balance of this averment and, therefore, denies the same. WHEREFORE, Plaintiff requests that the jUdgment entered against the Defendants be revived in the full amount thereof and indexed on the record. WEIR & PARTNERS Attorneys for Plaintiff .... "", ii; ..:r .,. ..:3 \... ~6 ? M :J.-f" .,~ , ):2 t-~ ~- - U:;? @s 0.. .~ ,-"!.) en ;'0. c_~ :jL. ,'- I ~ (.~, : lW :::l 1.:'10.. -x ~ .J) ~j (Tl u a~fnbs3 'Awsa1 ausr a~fnbs3 'z~fuoq~ah ussns lAg 1818-~99 (~IZ) 01161 Vd 'sfqdlapslf4d 8ufPlfng al~fl PUS1 'OOZI a~fns ~aa~~s pso~g q~nos 001 Sll3NlllVd "1 1113/'1 uOf~sofJf~ah 4os~~V o~ adfoas~d (l861 If^f~ ~ZOI ~a~ooa lSUf8f~O) 9661 11^f~ ~OCC 'ON V1NVh1^SNN3d '^lNno~ aNV1113gHn~ SV31d NOHHO~ dO 111nO~ 3Hl N1 WSIR 10 PARTWBRS By: Susan Verbonitz, Esquire Jane M. Leamy, Esquire Attorney I.D. Nos. 47015, 77457 Suite 1200, Land Title BUilding 100 South Broad Street Philadelphia, PA 19110 (2155) 665-8181 FIRST NATIONAL BANK OF LOYSVILLE IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. KREIDER'S MILL, INC. MARK D. & MAUREEN C. KREIDER : : . . : NO. 3305 Civil 1996 : (Original Docket 1025 civil 1987) PRABCIPB TO ATTACH VERIrICATION TO THE PROTHONOTARY: Kindly attach the verification attached hereto to Plaintiff's reply to Defendants' new matter to the writ of revival filed in the above-captioned matter. WEIR & PARTNERS Attorneys for Plaintiff