The URL can be used to link to this page

Home My WebLink About96-04618 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL UIV[;;HJN PNC BANI<, N .A., NO. C;~. 40f(? o~fL Pla:lnl.t ff TYPE OF PLEADING: -vs- COl1PLAINT IN CIVlL ACTION F. ANTHONY STETS AND I RENA M FAlLOH, Defendants. FILED ON BEHALF OF: PLAINTIFF, PNC BANK, N.A. COUNSEL FOR PLAINTIFF: MURRAY A. FELDER, ESQ. Pa. I.D. 1139331 TWO LOGAN SQUARE SUITE 1520 Philadelphia, PA 19103 (215) 963-3400 IN TilE ('(1l;11T ('I' Cml'I"C; I'I.I'.\S Clf' (T'IHI':I~I..-\riJ' ('()I'~TY, l'I':~:'iSYI.\',\,NI'\ "1 \ II. I) I \'1 S] II\; P;";C B:\~I\, ~.t\'1 'U. '/(, I P (L.-f - /,/........... '.;(). 1'1 a (t,l n -vs- F. ,\NTIIO:'iY STETS ..\:'il> IIIENA ,'I. FA I Lori, Dl' I"endallls. U)fll~I.,,\JJ~J~ J0:!: r U.I_..c\!T !Q,N AND :'ill\;, COlJ1l!S PLHjtlLirr, P;\C Bank, K.A., by its :\I.Lor'rH:~:-', ~lll['['ay A. FeldE-", Esq., and rilf:'s lhis Cornp\:.linL in Civil Acti.on of' \..:hich the f'ollov.:ing IS;I sLtL~'Il1('nL: ] . Plaintiff P\C~ H;.lllk. i"l\' I N a L i 0 fHII IS nankirll~ a AssociaLiofl v,'i I,ll at! 0 f f' i c(-' JOf'ated 27 :lO at L.i hel.ty Avenue, PiLt.sbur'g:h, P,\ 1;")222. 2. [)efE'ndants nrp F. Anlholl~' Sl.p\.s, arl individual ['('siding at. ];; ELLer' RUClel I ;\('\dllln..;. 1):\ 172.1 II and 1 f'PllH N. Failor, nn i nd Lv idll;ll ['f'S i d i II~ Ht (iH 0;01'1 Ii HiddlpLoll H.Dild, Carl isle, PA I 711 1 :1. :L On Of' :dJOIIL SI'pl('lllfH'" /, l~iX~l, Ih'{'PtldHflts ('nte['(~cl into a P(!nns~'l \"Clfl j II ~l () I (I I' \..lli('lr' 11l,..;t:iIII1H'llt Sa}p Con L "ae t. \~' i t.h PI,liIlLiff' \.Jllich \,::ts 1l~..;si'.1.l\t'd :1('i'Ollnl 1l1111l!JPt' ()()0010:3J:~,t'llC, \Indel~ L1IP t(, I'II1S 0 r h'h i /"11 Ult',\' (,fli;j i tH'd jlc,:-;!--;('s:--;ifJrl of 1,llp mohi le home dps(' r j l.)(~d I Ill' "(' i 1\. 4. On or about November I, 1992, Defendants defaulted by failing to make mont.hly pdYII~enl.s dS agrc~ed caus.ing Illdlnt.l ff tCJ repossess the mobile home. 8. The following amounts are currently due and payable: Principal amount due: $12,651.89 Reasonable Attorney fees of 20%: $ 2,530.38 Total amount due: $15,182.27 5. As a result of defendants' default, a deficiency balance is due Plaintiff 10 the ilmourlt of $12,6S1.89. 6. Plaintiff has made repeated demands for payment, but Defendants have steadfastly refused to pay. 7. The terms of the Contract provided for the addition of reasonable attorney fees If the account was referred for collection to outside counsel, and it is alleged that attorney fees based on 20% of the balance due are reasonable. WHEREFORE, Plaintiff demands judgment against both Defendants jointly [, severally in the amount of $15,182.27 plus costs and interest. .- -'}i':::d.'i CREDIT DEALEn .G.e. :z!l"j_.ffi..M.. ..=>.. tm"";c,,, APPLICATION SAlESPERSON .... K4: 40''1 .. CREDIT : . Individual Crlldl' (Individual all.:!'l mdy tIB apphod for by il maffloo appllCanll INFOAMATION : JOInt Cradl' (ComplelB 9llcllon, IAI ;lnd (Bl - A SPOU90 " no! fllQu,rnd 10 bo ,omt applicant) I FULL NAME r" _ (A) APPLICANT INFORMATION I 1t""71",,,,~ r. '> 1'~TS DATEOF.'RTHq /. I" ISSN!l, ~ I I/;"//".. . I ... ~fl.71-S'.';1. IMARIT"'-S'ATUS STREET ADDRESS Syo 1J.:IoIoo.JOu1J 14-w'; C --;;-lh 1 HT ""I.. ~E ZIPJ'Ol1 ~ VAS NUMBER OF DEPENDENTS LIST !PREVIOUS 'NClUDE SELF a AGES IADDRESS'1'.J I ;:" 1$/.1 c;:r: ('Atf LlfL"'- 1/1. IFUlL NAME (8) CO.APPLlCANT INFORMATION I -fss NO ,. DATE 1ft}'!..?'f.. TIME__ PHONE J.., 'i. - ,'-t./. tfl MARRIED Jt.UNMARRIEO : SEPARATED CITY HOW LONG AT ADDRESS' THOME OWNER MOS ' OTHER . RENTER [HOME PHONE 1(7/7 )J.'f) -a 7.1~ HOW LONG? DATE OF BIRTH [MARITAL STATUS , . SEPARATED MARRIED . UNMARRIED STREET ADDAESS CITY STATE NUMBER OF DEPENDENTS INCLUDE SELF I HOW LONG AT ADDRESS? I'. Mosl , RENTER I(OME PHO)E HOME OWNER OTHER ZIP YRS lPREVlous IADDRESS HOW LONG? J SELF EMPLOYED CA-I(LC (l~ ,,~. ,7_ I;) ,lVES ."NO LIST AGES IEMPLOYER (A) EMPLOYMENT IEMPLOYER ADDRESS WORK PHONE OCCUPATION j...,Ij.go,/) \ ell) IV r {',,'O HOt\' LONG? /'-1'fd. .0 GROSS MONTHLY SALARY S J YRS $t';1.P..c:..70 If.. MDS NET MONTHLY SALARY S HOW LONG? ~ YRS MaS I;HON';.t....1~~'7I:1 SELF EMPLOYED PREVIOUS EMPLO'l'ER NAM~AND ADDRESS S.""'Y"~.!: '(IO?~. r"~Jt'-ISl~ 1~MPLOYER (8) EMPLOYMENT IEMPlOYER ADDRESS WORK PHONE OCCUPATION /H. /7/;/7 (,J YES [J NO HOt\' LONG? GROSS MONTHLY SALARY S \ YRS MOS NET MONTHLY SALARY S HOW lONG? I;HONE I PREVIOUS EMPLO'l'ER NAME AND ADDRESS YRS MaS OTHER INCOME: AllmonI'. Child support. or separate maintenance need nOI be levealed unless I'OU wish 10 have It consulered as a baSIS lor the ItIpayment 01tl'l15 001l9allon. II you do wIsh alimony. child support or soparate maUllenance ,"come conSidered. complelO Il'Ie '"'ounal,on below' fA) SOURCE OF OTHER INCOME AMOUNT OF OTHER INCOME S (0) SOURCE OF OTHER INCOME AMOUNT OF OTHER INCOME: S CREDIT REFERENCES (A) Applicant LANDLORD/MORTGAGE HOLDER A B J LANDLORD/MORTGAGE HOLDER A B J BANK NAME/ADDRESS A B J f>". 1'" t: IA t <!,.t,(L.I~"r., I~ 17.,3 BANK NAME/ADDRESS A B J COURT ORDER : WRITTEN AGREEMENT ": OTHER . . COURT ORDER : WRITTEN AGREEMENT ~~ OTHER (8) Co,Applicant BALANCE (J) Joint PHONE NO 10,10 PMT BALANCE PHONE NO MO PMT K'CHECI<ING SAVINGS LOAN ACCT rlO PHONE NO IDf.JI,rr ;:''';-/'7-. ACCT NO CHECKING , . SAVINGS LOAN PHONE NO MOTOR VEHICLE NAME CITY I~. ACCT, NO PHONE NO r"'M;I-I'I.~ /1",:> A B J I F~ANCEO BY YEAR MAI<E BALANCE MO, PM,T,. "7(.). SS.>" olff~ /lUlT'~ -'-t:J . d' MOTOR VEHICLE NAME CITY ACCT. NO PHONE NO A 8 J FINANCED BY YEAR MAKE BALANCE MO, PMT YFs.1OO1,eRI LIST ALL OTHER OBLIGATIONS INCLUDING llABIUTY FOR PAYMENT OF ALIMONY. CHilD SUPPORT ErC . AND ALL OPEN ACCOUNTS I NAME CITY ACCOUNT ~WMUEf1 BALANCE MO PAYMENT PHONE NO A B J A"l' t,:N,i.AiI a.. ("~tf(,IS~'; I~ {P;..." 71. o. ~'fs,"" ~'S A B J "A.I". '" PI:!' ('A-tf,-'H ~_I.J. 9' .. .. f';..,o ""'J'Z)J. A B J A B J A B J NEAREST RELAnVE NAME/ADDRESS ~A4J, {I.I I( <)7';" T:> <"A ..,H,! ~Il- tA. .tN D hA. PHONE NO J. "'9 . 'It., ? NEAREST RELAnVE NAME/ADDRESS PHONE NO lA B J I Ha~ ellnar applicant dedar9d bank/uplcy WIthin lho po,t 10 YOllrs? ~ o Yo. Lx B J 2. Ha~ OIlhol applicant hai:! anYludgemonts, ropoo,osslon, gam,SlYnonls or 0Ihll/lllljollprOCOIl{linqs against lhom In the past 1 years? ..,.,;, o Vet 1)1' B J J Has ellhor applicant obtalnodclodll undor any01hor namo(sl? ~ o Yo. FAIR CREOlr REPORTING tcr TO CONSUMER TnlS .....,11 adVISe you lhal your Instalmonl SalOlI Conlracl and Buyor's Appllcallon lor ,ocurO(] crOdll .....,11 bo sutnlltlod 10 tM follQW1ng hnanclallnShllJlIon for purcnaso and conSlderBllon.s 10 whethe' you mlllJ crodn reQUlremor1S NA FINANOAL INSTITUTION C-c..f.J 6 fl,~/C ADDRESS .;...3~ R..l tl ~e S"T"~~,_J-I~__~M.~~I..A r-l ~ P A ---1..:1 Q '"J Q Ilwo aglllo to inqUire aboulthllstatusollhlsappliCatlonbycontadlnglnohnanlCallflS!itulion namod aoOiO EverYlhlnq lflatllwe havo Slated In thiS application IS Uuo and corlOCI 10 lho bO'1 01 mylOlJ" kno.....ledgo 11.....0 underSland lMt you Win IlIlaln ttll~ applicatIOn .....nolhor Of natll is approved. You are authorlled t~r~~tlaS1\:oSlIgatlOn 01 mYlo~rha~c~arac"'r a~ doomod nOCOSSllIy to gran! crodlt on thiS roquoSll and 10 ans.....or questions about your crodllllJpllflOnCe WIth me/us. n t:i. ~. .1 .~ ey/?/P'i Appllcant"sSlgnarure U Dalo JOII'ltAppllcanfs SIgnature Dale LOAN DATA lOCATION OF HOME ~ PARK ()WN LAND . RELATIVE'S lAND PRIVATE PROPERTY .Ol'HER MONTHLY LOT RENT $ UNIT YEAR .-------.- MAKE -.--- MODEL .- SIZE DESCRIPTION SERIAL NO CLASS - ... NEWC USED 0 TRADE,IN YEAR --------- MAKE. -- ----------- MODEL SIZE DESCRIPTION SERIAL NO ---~~~.-_._---- -------- CLASS ----_.._-~~- GROSS ALLOWAI\CE .. PAY OFF S -.-.- .--- .. NET TRADE S -~--- MIS --- ---~-- FREIGHT $ --.-- ----- ------.- I (MHf DEALER OPTIONS IRV) CSP S ------ SET.UP S ---- --.... ----.-.- WASHER S -.-.--.--- - GENERAmR $ TAX $ ---------- [)RVER S ------.------ IVC $ FEES S . ..._-~----- AiC $ _._. .--..--------..--.. HITCH $ -.---- IllS $ ----_._---_.~- STEPS $ ----...----- AWNINGS $ INS$ ---~---~. SKIRTING $ -.----."------ OTHER $ TSPS -_....._---~---- TIE DOONS S -'- ...--.-.-------- T/I or [),P S .. .-------- SHED S - ---- --------....- AF .-.----- --~- AINNINGS ----~------- TERMS ________ NO OF ~NTHS OTHER .----- -----.._------ ..------ .___RATE .. ....-.- MONTHLY PAYMEm PENNSYLVANIA MOBILE HOME INSTALLMENT SALE CONTRACT. D...,. _ .Se 1:.-.7 1!J 89 ANNUAL PERCENTAGE PIlTE t The co~l 01 your cr I asaycarlyrale 13.00 % FINANCE CHARGE ItlcdoIlJlaf1lounlltl!' crll<!11 will co~l you r-Total of Pay-;"ent~ ... I 'tll~ amllunl VIlU "'III h,l~!~ fwd ,dIN I youll,lvern.ule,III,,(.IlCduleu I p"yrncnl~ 43,545.60 Amount Financed Ihe.Hllounlor credll prnvlcledtoyouorOIl yOlll twll.ll! $ 24.445.60 I 19.100.00 T alai Sale Price It\!' lol;!1 co:.I 01 yOlll (lurr.hJ~!' I 0/1 crcdlt, IIIr.ludlll,; yuur dOWl1 : pdyrncnt 01 $___:t,_J~5_!_90 I I 46,711.50 'fOUf p,'ymenl Schedule wIll be __ __~_ .,"_~n____ ~~ ot PJvmenl~ ~1~~r~-ul-P'.~-V~It.'lIl', I Wrwn I'J~ITI!'rll', An' IJIW -180--i$--i~ff. 9i-" . M;I-ntt;I~~tJ;;~;n-nllll: 'Oct. ..1,0_. Iq .., "---'--I---'---'~--"---'-- ...--. I .___.___L__.__._.._____. Filine Fees: $~_OO___ Prepayment: II you pay all early, you will not h,m to pay a penalty Assumption: Someone buymg your mobile home 0 may (i] may 1'101. under certam C1fcumslances. be allowed 10 as~ume the remamder 01 Bus conlract on Ill!! Olll~lnoll term', See below and any other contract documents lor any addltlonalln!ofmatlon about nonpayment. delault. any rel1ulfc(j repayment In lull belore the ~cheduled dale. and prepayment relunds and penalties 1~ I1lt!,Hl:. t".llmJIt. , 89' i I Secuflty: [I1 ~()u MI.! Y.I~ln~ d <,ecuut',' mlere:.! HI lhe I'.uod~ or properly ueln~ purchased CI Youarealso~lvlOp,a securllymtereslrnreille~lale In lhisConlracl Fred A. Gettys Assoc. Wlllrll IheSell", T/A Gettys Home Sales. Haml(s, 679 Yorktown_ Rqp..<.....l>b1(Wlp,l'!'Q. B\ Address 17CJiU Yo",,, F. Anthony Stets Lot 17 Northvifw!Ux:r IheB',"I'I. Irena M. Failor 144 Tower Circle. Carli:>..llL... PA Hlm.lsl Address It there is morelhBn one &lyer, each 01 you Will be obligated. separalely and logelher, 10f all sums dUI us and the lIertormallce 01 all agreements as provided In this Conlflct Thelermsshown In lhll bOJes are part 01 this CGnlraCI, You have agreed 10 purchase under the terms ollhls Corllracl.lhe follOWing mobile home and lis appliances,furnilulIlInd.qUlpmenl. which Iscalted Ihe "Vehicle" In this Contracl N/U Vear and Manufatlurer Lenglh & Width Color & Model Serial Number New EquipPlld wilh 1989 Fleetwood NCFLK41A152722L 70X14 2663S You havlllradlld.in Ihl following vehida: -$ =$ Vllr and Make Senes Gross Allowance SIIII Owing Nel Trade.ln PROPERTY INSURANCE: Property Insurance as cheded below IS required on Ihe Vehicle lor Ihe fullterm oflhe Conlract. If obtained Ihrough us, the premium cosls tor Ihe insulance lerms indlcaled below are Included m item 3, Whether oblained through us or not. insurance coverage is payable to us and you as our inlellltllhen appaar. YOU MAY OBTAIN SUCH INSURANCE THROUGH ANY AGENT OR BROKER OF YOUR CHOICE. o Mobile Horn. ~ Olher Physical Olmage Ins. ...,., $ Term _ Mos. (Describe) Aegis D Campreh.nsiY. on D Other Mobile Hom. .....,...". $ Term _ Mas (Describe) o Fire and TOTAL Thefl . ,. .,..., ".,., ,.. $ Term Mas CHARGE,..,." .......,. $ CREDIT INSURANCE IS NOT REOUIRED: Subject 10 acceplance by Ihe insurer named below, credit insurance is available through us for the term of thiS Conlrlct at the c:.oItl.lihown below. Smgle Credit Lile and Single Credll ACCident & Health Insurance are avail8bte 10 anyone Buyer signing lor insurance below. Joint Credil Lifelnsurlnce IS available 10 bOlh Buyers signing lor insurance below. No cr8dit insurance will be provided unless the appropriate slalementls) is ligntd bV the Suyerlsllo be insured and the cosls shown below are included in Ihe Amount Fmanced.ISee Ihe NOTICE OF PROPOSED AA....... ....."no..,.r~.. .Ioft .ft"ftn. .itllll $ 238. 9JQ,m B.. Mos. $ Term_Mos. 238.00 ThIs Conlracl IS between Seller and Buyel All disclosures have been made by Sellel. Sellel rnlends 10 asslgnrhls ConlriJcl 10 IlIe AssIgnee lIamedbelow 17013 lip Code itemizatIOn of Amollnt FIII311Ced Cash Ptlce $ 20,715.00 TolalOownparmenl .$ J,165.90 Unpaid Cash fflcc Balance I =$ To Credit Insurance Company 2 +$ -0- To Property Insurance Company 3 +$ 238.00 To RegIstratIOn fee 4 +$ 15.00 To lien Fee 5 +$ 5.00 To Nnt-;:Iry FI3t:l> 6 +$ 50.00 To pn. nv.p'l1 nF J1lO!V 7 +$ 1242.90 Amount FlIIanced {Ilh,,71=$ 19.100.00 Net Trade.ln S -0- PENNSYLVANIA MOBILE HOME INSTALLMENT SALE CONTRACT. 0.". ." 8.9. [Total Sale Price ! Thl' lalill co~1 ot YOU! purcha..,' ) on credit. Inclulllfl~ your duwlI I pdyrncnt at $_..3_L~~6_~ ~JJO ..~ 46.. 711.~o.._ FINANCE CHARGE IlIedolldramounlthr credit will co~l you ANNUAL PERCENTAGE P'ATE if: Thecostolyourcre I asayearlyrale. 13.00 % Amount Fmanced Ihl!arnOunlolcredll provldedloyouoron your behal! Total of Payments HH~ .Hlloun! you NIII have paul al1~1 you nave mildc,lll',chcduled pdymenls $ 24,445.60. I 19,10.0.0.0. I 43,545.60 ..... ---.----..--.-"-.-.-'--.. Your Pa menl Schedule will be N~ or Payments A;;;ount 01 r:;-;;;t~;;-I\Twi,-;;'P;;~;~I:-;'~If~ lJ~I;- 180 $ ~li._~..~ ___I_~~~!h~Y_,!!f~~~r:nl!'~'____ ,Oct. 1.Q I . .L __....._ fiI;n&f..s:l~OO_ Prepayment: If you pay alf carly, you will nul hdve 10 Pity J penalty Assumption: Someone buymg your 11I0olle 110nlC 0 ma,' GtI may no!, under cerl;wl wcum~lancc~.IJl! allnwed 10 assume tile rern,lIO(kr 01 HlI', conHac! onltlt' orll~lOolllf'InI', See below and any other contracl documents lor any addlllon,lllOtorm~IIOI1 <lllou! flonpaynu!nf. del.lult, any reqUired rep,lynu!n! If) lulllldore lll!~ :.r.tll!rluICil dah~, .HuJ prep,lyrnf'f11 relunds and penalhes enll'.Hl',I",ll1n,lh' I ---t 1'1 89, Secuflly: !.Xl Y.ou Me 1:1~1f\1: ,I ~ct:ulllt Inlcrt!:,lIII ltlc ~~oOlh or propcrtybclflltl.lurchascd [J You olfe al',(l VIVIlIr. a sr.cUlIly mlere',t III H',l! l'stalr 1t1l~ Contract IS between Seller ..ud BUYIlI All disclosures hav!! beell made ~y Selle. Seller Intends to assign Itus Conllilcl 10 lhllAulgllel! named below In lhlsCOnlfltl Fred A. Gettys Assoc. Wllrl th,S,"", T/A Gettys Home Sal~.lL..__679 Nlml(11 Yorktown. 1lg'rl.~g,.!I'~'.'.<n!...m.. Address 1 iUX) You"" F. Anthony Stets Lot 17 NorthviaorMnr th. B","lsl. Irena M. Failor _l44_T~Qw-"'-LJ;.:i.I'.cJ..e~_C_a.rli5~e.,.__PA_17.0.1J.___.. Nlmllll . -~- Address 11th" II more Ihln on. Buyer, eath ot you Will be obligated, sepafalely and lootther. lor all sums due us and the ptrlllll1lanCe of all agleement~ u pfOVld.d In Ihls Contrlct Theltrms shown In ,he bOilS are part 01 lhls Contract Vou hilve agreed to purchase under the lelms Ollhls Contract, the foltowllll] mobile home and lis .pphancllS.lurllllufI.nd equlpmenl, which I~ caUed Ihe "VehIcle" In this Conlfacl N/U YllIrlnd Manufacturel lenglh ,,-Widlh IIp-tod'e~ : lIenlllatlOn 01 Amounl FtnanCed~1 Cash Price S 20,715.0.0 TolalOownparmenl -I 3,165.90 Unpaid Cash Pflce Balance 1 =1 To Credit Insurance Company 2 +1 -0- To Property Insurance Company 3 +1 238.00 To Reglstrahon Fee . +1 15.00 To lien fee 5 +1 Sellal Number Color I'. Model 1989 Fleetwood 70X14 2663S NCFLK41A152722L Equipp,d wilh You h'Yltllded.in the follOWIng Vlhicll: $ - $ = $ Yllr .lld Make Selles Gross Allowance Still Owing Net Trade.ln PROPERTY INSURA.CE: Pfopeny InSUlance as checked below IS reqUIred on 'he Vehicle for the lulllelm ot lhe Conllact If obtamed lhrough us, the premium COils lor ch. inlutance lllrms Indlcaled below are Included Illllem 3. Whelher obtained lhrough us or nol. msulance covefilge IS paVable to us and you IS OUf inteflStllhen 'PPlilf YOU MAY OBTAIN SUCH INSURANCE THROUGH ANY AGErfl OR BROKER OF YOUR CHOICE o Mobile Hom. ~ Olher Physical Oam.gllns, "..,. $ Term _ Mos. IOeSCIibel Aegis o Compllh.nlivl on D Other MobileHocn. ............$ Term_Mos (Describe) DFjra~ TOal Th.ft .. ....,.. ,......,. $ Term Mas CHARGE................ S CREDIT INSURAICE IS NOT REDUIRED: Sublecllo acceptance bV the Insurel named below, credit insUfancels available through us lor the tell1l olthls Contllcllt the toIIlJlahownbelow, Single C.edllLife and Single Credit Accldenl & Health InsUlanee are available 10 anyone Buyer Signing lor IIlSUfance below. Joint Cndillil.lnsurance IS Ivall,ble 10 bolh Buyerl Slgnlllg 101 insurance below. No Cllldillllsurance will be plOvided unltss the a"plOp'lale slllement(sl is signed by che Buyellslto be lIlsured and lhe costs shown below ale IIlcluded in Ihe Amoulll flllanced. ISee Ihe NOTICl OF PROPOSED CREDIT INSURANCE. on Ihe le~fse Side.) S_238.CW'm.RMos. 5.00. To Nnt-;1ry F~A 6 +1 50.00 To PA ORP'T' OF R'J;!V ) +1 1242.90 Amount Financed IIthru))=1 19.100..0.0 S Term_Mos 238.00 Net Trade.ln I -0- Cash Downpayment +1 Total Downpayment =1 Bysigning.youwanl Single C'lldil lile Insurance, which COlts: $ BV Signing. youwanl Single tfedll Accident & Heallhlnsurance,whlthcosts S By signing. you bothwanl Joinl Crediltlle Insurance, which costs 3165.90 $ Whalare your ages' _Years N/A Signalule ofBuyerlobemsuredforSlngle CredIt tilelnsullnce What is your age? N/A SIgnature 01 BuyerlobemsuredlorSmgleCredil Accidenl & Health Insurance What IS your age' 3165.90 1. 2. N/A _Yea,s Slgnatules 0160lh Buyers to be Wlsured fOfJoml Credit lite I/lSUfanCe YealS Years Insurer. N / A 0 Other PAYMENT SCHEDULE: You agree lopay u~ the Total Sale Pme for Ihe Vehicle by maxlllg the Total Oownpayment and paYlllg us the Amount Financed plus mleresl m the number and amounlot monthtv paymenls shown in the Payment Schtdule Payments are due on or belore Ihe same day 01 each monlh as Ihe first payment date Paymenls mus' be made at any olllce 01 New Cumberland, PA 17070 IIhe "A'srgo,,"1 CCNB BANK 331 Bridge St., N.A. 101 fepayment 01 Ihls Conttact unless It IS .eal propeny cove,ed by a mOl1gage daled HOW THE FINANCE CHARGE IS COMPUTED: The Fmance Chafge conSISlS solely of mle'elt computed dally on Ihe outstandmg balance 01 lhe Amount Financed The finance Charge shown abOve has been compuled on the assumpllon that allmstallmenlS will be received on their ::h~~ul~~ d'J. fb,.c II anv IMllIlImpntlS late. YOU WIll be oblioi>\cd 10 pay more finance Charge Ihanis shown because of lhe additIonal Interest which acccues It vou pilyearlv, the Fman[e Chafge will be less The amount ot the mcre.ne 01 dwease Will be due With the last payment. which will be modi lied accllldmgly. You mayprepayalloranypart 01 the balance du catanyllmc.wlthoulpenaJry o'premrum ,19_However.youacxnowledgeoUlrightol sel'~i~a!'J 01. your pfopertv ~~h_ls in OUf possession .11 any lime REINSTATEMENT: It we ta~e possessIon ot lhe VehIcle because of ynur defaulT. v"u may, aT all! option.fegainpossesslOnofthevehlclebvpaYlngtlsallpastducpavments,olHc;oS!Solsulland,.t you were In detaIl It more than 15 days when we look possession ollhe VehIcle. our costs of laking posseSSion, repalftnq anrl SIDrlng the VehIcle which are aulhofl1ed by law _____ THERE ARE NO WARRANTIES BY SElLER, EXPRESS OR IMPlIED. INCLUDING THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, UNLESS WE HAVE GIVEN YOU A SEPARATE WRITTEN WARRANTY. ADDITIONAL TERMS AND CONDITIONS: THIS CONTRACT CONTINUES or~ THE REVERSE SlOE YOU ARE OBLIGATED TO All THE TERMS OF THIS CONTRACT WHICH APPEAR ON THE FRONT AND REVERSE SlOES NOTICE TO BUYER-OO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE ENTITLED TO AN EXACT COPY OF THE CONTRACT YOU SIGN. KEEP IT TO PROTECT YOUR LEGAL RIGHTS. BUYER.)(2j~~ .U..6L tSEAI! BUYER 6~tl?r?)f ,~ ~m J ISEAll COPY OF THIS CONTRACT AT THE TIMt6F~ft;rJniG, I-ailcr SECURITY AGREEMENT: To secure the pavmenl 01 <III Slims due ar1l1 the pertormance of all requlfed obligations Undl!llhlS Cot1traCl, you grat11 us a Sl!curlty Interesl m the VehIcle. In all appllances,lurnllureandeC;U1pmenlsol11wlththeVehlcleandlllallpropertvlcalled"accesslons"j atlached 10 the Vehicle at any laler tillie, and milny proceeds of IheVl!hlcle, Includtnglnsurancl! ploceeds It another secllllty agreemcnlor mortgage cove ling property you own other than the VehIcle now exists between vou and us. we waive Ihe light to lIeat that other propl!r1y as security By signlOg below we agfee 10 sl!lIthe Vehicle 10 you under the terms of this Conllacl We also assign thiS Conllactto the "Assignee" named above 10 accordance With lhe Asslgnmenl on the reverse lide GQ WITHOUT RECOURSE. D WITH fULL RECOURSE, D WITH REPURCHASE. Gett s Home Sales SELLER (SEAt; BY, pruending.. . . 11. 8,. Upon or allar the oceUlfllllce 01 any Evonl 01 Derilull. it requllod by law. we will send yOIl' ~~ 1 Ilmelynollce 01 your detault and 01 your nghl 10 cUla the delault and how you may do lhi., and 01 t OUllntenllontolakeatllOnllvoudOOOICUlll.llyoudonolcufollllhatlmepenOdprp'Ildedinthi, " notice. we will have Ihe fallowlIlg right.: ~ .4 iI. The nght 10 declare all sums due on Ihls [oolra(IIO be immediately due and payable. ... ; ~ b. The light III oblaln possessIOn 01 the Vehicle. With or WIthout process 01 law. it you do not deliver II 10 us You authorIJlluslo peacoably entllr upon any pfemises where lheVeh icla may b. kepi III ordBI IOlakll possessIOn 01 Ihe Vehicle and anyth1flgloundllllhe Vehlcla. Youmu~lgiYeul ; prompt nOllte thai you claim alW arlltles In Ihe \lehlcle nol covered by our setullly inleres!. NOlltt muslbaglVenbyreglmredmall.senlWIlhtn24hoursolyourlearnlOQoIouroblalOlnQPosslSSlon of Il1e\lehlcle If you dGnol give u!;prompl nollce, we will nol be responsible II any 01 all 01 lh. arllclcsarcloslolcannol be accounled tor, You aoJthollleustous e your Itcense platlls 101 till Vehicle 10 movlOg the Velucle to the place ot storage c. II you were 10 delallll more lhan \ 5 days belme we lOolt.po~sesslon of the \lehicle, you must pily our actual, necessary and "~;Jsonable co~ts of retaking, stonnq and repalllOgthe VehIcle. Our co~tsmusltJesuppomdbyrecelPtsorothelsallstaclortllrOolsolpayTllenl d WaOlay, In accordallce wIth law, tal sell lhe Vehlc!c ill publiC or plIVate sille. or (b) plopose to keep the Vehicle 1I1 tu\l siltlstacllon 01 Vour oblrgallons under this Cuntract tntheeventolsale.wl Will gIve you 15 days' re,Honable nome of the lime and place at sale We Will apply Ihe proceedsol salellr!;tloourexpenseslnsclllO!llheVehlde,thentoourcostsotletalllog, repalringandstonng the Vehicle. then 10 Ollr leasonable aod acliJal collewon costs. IncludlOg courl tosts and if we commence a legal acllon agarnsl you, Oul reasonable <I!tollley'sfee Ibut nol moretha n$50ifll1a notice pellod has ex plied alld you cure belore such legal aCtIon IS ~1.:lftC!dl. and Ihen the balance to ttle balancc stili due Ittherelsasurplus.wewillpaYltloyOU Utherelsstlllabatancedueus.you muslpaVlllouS 9 YOu may redeem the Vehicle at an~ hOle up to lhe IIIne we sell or lransler llle litle to Vehicllt. The redempllon pme Will be allsum~ due uson thiS COrllraCl, andlf delaultwes longerlhan 15 days when we 10olt. possesSIOn ot the Vehicle. our COSIS ot fela~(lng. reparrrng and stollng the Vehicle and O'Jf tollettlon costs ctt.. v.hicla it WlIIU pGlslSsion 01 it beelu" 01 your dllfault. I"'y~ will not ptrmitanyan. alher than us to oblain a sllcunty interrst or other rig.hls in ,Ihe ~I., Youywill pay allli1ing IllS neeusary for us ~o oblaln and malntall1 our secunly I~lerestln Ih,Vahicl.. Vou will ISSlsl us to havlAg ourllcunty Intllrest noled on thl CerlllrCllle of Title 10 Ihe Vehicl.. 3. Ynu will keep the Vehicll in good condition and "pair: You will pav aU tales and charges on Ih. Vetrltle. You ";111 pay all coSll 01 malntalmng the Vehltll. You WIll not abuse Ihe Vehicle or p.rmilan'(lhing to be done 10 Ihe Vehicle whICh WIll lessen Its value, olher Ihan lor normal wear and usa, You will nol use Ihe Vehicle lor lilegal purposes or IOf hire You Will not move the Vehicle ham yOlJr addllss shown on thl IIontto a new addlesswllhoul nOhlying us 10 advance. 4. You Will keep Ihe Vehicle ,"sured againsl firl.lhell and COlliSion until all sums due us ale paid in lull, The Insuranu coveragemllst bllSilllslaCIOI'Y to us andprolecl VOtlllnleresls andnur Inllftsts althe time 01 any msured lass. Tha IIlsurance musl be wllllen tlY an msurance compan~ qUllilied lodo bUSiness In PennsylvllOlaand "tensed to sell InSuranCI: ,"lhe slalewhere lhr. Vehitlelspermanentlykepl, ThenlSurancepohcymustprovldeusWllhatleastl0da~s IHlo/nollce 01 anv cancellatlOnor rcductlonIn coveraqe You appoint us asvourAl1arnev-ln fact,!o endolse any check or drall drawnlo yOllrurderby lhe InSUI<lnce comp<lny You assign to us illly return or untarned IOsurance premlulllS Th~ prcceeds 01 Insurance or return Insurance premIUms maV be applied byusto repall Of replace lhe Vehicle or loreducethe unpaid balance due us. <IS Vie CI10flSP. 5. II yOU defaull by lJlhnq 10 malnlilin insur<lnce III ellect. or bV nol paylOl) Iillnl] l~es, taxes. or the costs necessar~ 10 Io.eep Ihe Vehicle UI good condlhon and repilll. we may, II we alone choo~e, oblainreplacemenllOsurance 01 advance lhe sums necessary 10 cure your detallll AnyaddlliOnal amounts we ad~adce on yuur behall musl be repaid 10 "' immediately on demand 6, This paragraph applies only II we ha~e conuatlCd to purcha~e hre.lheh or colhslon mSlrrance alyourerpenseandlhePlemlumhasbeenlllcludedlnlheAmountflOanced II does not apply to Crldll Insurance It ~ou prepay lhe sums due on Ihls Contrac\. unless yOU specltlcally requesl cancellation. any lire. theh or colh510n IOsurancewllI remain in ell ectto lIs 5cheduled eJpira!lon dall.1I the msurance we obtaIned tor VOU IS cancelled by Ihe InSUlance company prior to lIS sebeduled expllatlon dale, we WIll allempllo placl comparable msurance wllh anolhellllsufance company on your hl!hall II we are unable to do so. we WIlIIlOIlly you lhat you rouSl oblalll replacemenllOsurance !ram an agenl 01 brolt.er 01 your chOice Ilreptacementco~er<ll]e fesulls In additional COSIS In YO'I for Ihe unexplled peflod of the Q(I!lmalmsuranee POlICY, wc will reimburse yOU lor the costs 7. The lollowlnq are "bents 01 Default" 01 this Contracl a, You larlla make any paymenl promptlv on or befole the day IllS due; b. You tall to perform any other 01 your promises 10 thiS Contlilct. c. You pfovide us wilh false inlormation or signalures al any lIme. d. Any of you dies, becomes Incompelen!. or isconvltted 01 a ctlme IOvol~lng !raud 01 dIshonesty; NOTICE-ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO All CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SEllER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO DR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHAll NOT EXCEED AMOUNTS PAID BY THE OEBTDR HEREUNDER.., ' ,,^ '" ,:,.,' - ~ . , 10 TIME IS OF THE ESSENCE, II WI! waive any rlghl or E~enl of Default. that wai~er is nol blOdlOg on us It a taler [venIal Oelaull oewts or,l we Jiller dloose 10 eurcise thaI rIght. Our exerClSeoloneorOlorerlghlSSl1<1l1nOIC<luseusloloseourolhelrrghIS II anyparloflhis Contract rsheld 10 be Illegal. vald orllnentorceatJle. Ihal part shall not beapartofthis Conlrac\. which shall be read as It It were not In lhls Contract. The laws of Pennsylvania shall apply 10 this ConUatl unless federal law applies TIllS Contract shall benel,t us and our suc.ces sorsandassigns.andshal1 bindyou.yourhclrsandyolltpersonalrcplesentatives Anvpersonto.....homweassignthisContracl shall have all ot ourrlghls and remedies and be sublcclto ouroblrga lions 'I NOTICE OF PROPOSED CREDIT INSURANCE "~.'l . '''1 -I. ~ilh' Signer(s) of this Conlfact hereby takels) notice thai glOup credillile insurance coverag!! and/or group credil accident and heallh insurance cO~l!rage Will be applicable to this CQnt!act if. so l,marked on Ihe Iront of thIS Contract and each such type 01 coverage will be wrlllen bv the LOsurance company named. This Insurance. subject to acteptance by the insurer. covers onlv thl pirson(sl _~ligfting the request lor such insurance. The amountllt charge is indicaled I.or each type 01 "edit insurance lobe purchased The lerm 01 the insurance will commence 8solthe dalllth.ittdebtednes.s Qr.)ncurred and will expire on Ih, original scheduled matuflty date of the LOdebtedness, Subject t,o acceplance by the insure.r and Within 30 days. there will be delivered to the insur,d 4.btor(s) a ,;~i1i~at. of insurance more I~IV d!s~rib,i~g the insurance, In th~ e~enl 01 prepayment 01 lhe mdebtedness. a refund of Insurance charges will be made whefe due. - '...' . .'; l;ft.'..;."._,:,.,:.<;,~~ ',":,." ".',,: , ,'. .ASSIGNMENT . . . .: ," , ~~"~Qu'-th. ~'At~'ign~,;' ~ini.d onttill~'nt ellhis Contr8C1.lo.purrhase the within Contrac!. the Seller herebywarranls and represents. and conlinues,to .....arrant and represent that: the sale has ~ 'm.daln ttrlc1 cClnformitywilh .lIapplicabl. federal. slale and local lows and regulations.lncludlOg, bill nOllrmited. to Arllcte 2 01 the PennsylvaOla UnllOlln CommerCial Code (13 Pa. CS.A. ~ 9 It I.i I8Q.l: our tllllto rhe Contrectand the Vehicle covered thereby is absolute.lree of all hens. encumbrances and secullly 101erests, and IS sublect on IV to the rights olthe Buyer 15 set forlh lherein; ~COntrlctls genuine. aroselrom Ihe sale olthe Vehicle Iherein described, and all parties therelO ale 01 full age and had capacltv to COOlrar.1. the descflptlOn ot the Vehicle. lIs appliantes. furniture and .Ipment is complete and 'correct; the cash dOWllpaVmenl and/ortrade-1O allowance were aClually re~elved and no partlhereof consisted 01 noles. posl.daled checks or olher credi,1 advanced by us 10 Boyar: all warranties and stalements thefem are true; lhere is owing thereon the Tolal ot Payments sel forth Iherein: we are duly licensed undellhe PennsylvaOla MOlor Vehicle Sales Finance Act and have du!ycomplied wilh all fequilements lhereof with respect 10 the transaction and wllh lhe federal Trlllh'ln.lendln!l Act, a moW vehicle title ccrlllicate shOWing a hen or encumilfance in lavorof Assignee, has been or will be applied lor plomptly. the regislratlon of the Vehicle has nol been suspended and Ihe Seller knows ot no laClS which ma~ resuUm the silspenslon of said reglsuation undllr the Penn5ylvanla MOIOI Vehicle SalelY Responslblllly Act. the Buyerlsl in Ihe wilhlO Contracl are pelsonail'f known to the Seller to be Ihe same Inr.nllcal pelsonlsl whose slgnaturels) are allixed to thiS Conlratl; and Sellel has no It.nowledge ot laelS impallln~ the valldlly or value 01 the Contract If any such warranlles Of represenlatlons should be breached al an~ lime, Selier shall repurchase Irom Assignee, said Contrac!. upon demand. and Will pay therefor Ihe amounl owing Ihereon plus anv and all costs and expenses paid Ot Incur/ed by ASSignee In respeclthcrelo, and saId remedy shall be cumulative and not exclUSive, and shall nol altecl any attlef rlghl or remed~ thaI ASSignee mlgllt h<lve al !,lw or 10 eqlJlty d~alnSI Seller. In the event thaI Buyer lails or refllses 10 make any'pavmenl due hereunder on Ihe asscrtlon, ellher oral or wflllpn. Ihatlhe Vehicle IS defecllve, nOI as represented 10 111111 by Seller. 01 that Seller letuses 10 honor any warranty or service agreement al.Seller or manulacturer, Sellef <lgrees lhalupon bemg adVised by Asslfjnee ~I :wcl1 claim ot Buyer, Selle: will repurchase Ihe Conlfacl hom ASSignee and pa~ ASSignee lor same Immedlatel'!" In accordance with lhe repurchase lerms sel torth above and Seller turther aqrecs to hold ASSignee harmless flOm any other clall1\s 01 Buyer, Inrlildlng allorney's lees. taS!S and expenses Illcuned in dl!lendmg againsl claims Jsserled by Buyel and lIlcludlOg claulls lor reltlOd olpa~l1\ents made bv Buyello ASSignee Forvaluerecclved, Seller herehv sells, asslyns and lr.1nsfers urllothe Assignee. I!S sllccessars and as slgns.lhewllhlO Conll<lt.I, aU moneys due and to become dlJethereunder. and all righl, lilll ,and IntereSI in and 10 Itle Vehlctc therem described, With lull power m the Assignee III lIS or our name to !alt.e such legal or olher acllon which we O1lghl have ,aken save for Il11sasslgnmenl. SeU,rbyueculing <Inv 01 lhe endorsemenls capllOned 'WITHOUT RECOURSE:' "WITH FUllRECOURSE." '"WITH REPURCHASE," adopls lhe prOVISions ot and ag/ees Wllh ASSignee as sellof1h III such endOrSeR\8nl and the pro~isions of the p<lraqlaph entitled "ASSignment" . WITHOUT RECOllRSE -Seller's Jsslgnmenl shall, exceptIO! the provIsions ot Ihe paraqraoh ahove enlllled '"Asslgnmenl," be wlthoul rccourse WITH rUll R(COURSE _ Seller ilIjlfeS IIMI. 111 ,1ddlt,Qlllo the p"ragraph auove l!f\llll~d "A~SI!llllllelll." ,n lilt evenl uf deJa,)lt by Bll~er In lhe tull p<lyllll!nl nlll:,1! dill! dale tl1eleol ot any in51al1menl payable under lhe Conlract or In Ihe pmmpl pertorOlallce ul any Olher obllgallOn to tie pedar111ct. under Ihe Conl/ar.1 b'i BlI~er, Seller Will, upon demand by ASSignee, forlhWllh repulChase Ihe Conllacl fram Auignee lor alepulchase IlflCe 10 cash equal 10 lhe full unpaldbalanc eotthe ContrilclmcludlngaccruedflOance charge asof Ihe date 01 such repUfchase WITH REPURCHASE _ Seller <lqrees !hal. In addlllon to the PlovlSlons 01 lhe paragraph ahove enlllled "ASSignment." in the e~ent ot any default b'{ Buyer which shall enlllle ASSignee 10 repossess lhe Vehicle. Seller Will. Illhe Vehl(le IS repossessed by ASSignee, and wllhout regard to the lhen condition of the Vehicle, tOflhwllh repurchaselhe COn\f30 and Ihe Vehicle Iro111 A!;Slgnee lot a repurchase price in cash el!u<lIIO the lull unpaid balance of lhe ContraCI including accrued Ilnilnce charge as ollhc dale ot such repurchase_ 8.lHtONSU~IA F O~~ PA ll~ S I~r. 1118~\' NOTICE: SEE OTHER SlOE FOR IMPORTANT INfORMATION ;,. .;. ,_, ).. -,f'" , \..J., V' _u I,.... --' , ,,' t~~_. ~ :~ !.: I:, ".', '. \. ....'~.' ;,.'. . "l~ , , I I i I I I i , I I I I I I ., -- tn , , , - , LLI '. ,. " , , fE , C) (1:; , , . I' , , I;... ~ , , ; I , ., L; \j , , '" ..." , --"" 'J . ~ P -.--' " r\..J - I~ , "'---- ...J ~ !Y\ ~ r- f" "" ry~ .---. .. ...... ri., ~ ""- e~r"~ SHl::RIFi- ',' 1:[~TIJLti CASf: NU: 1 'J'Jf, -l)46 1.'\ f' CUMMlmWf:AI,TH UF I'UINSYL V AN" A: CIlIINTY IIF CUMHf;IILANlJ I'NI: IjANK N A VS. ST~TS F ANTHUNY ~T AL sn:Vf: WH I STLf:R r~ [.Jjl.J L./, !', '-:tlerlff (tr [ieputy Stlerlfi oi CUMBEI~LAND County, Pennsylvania. who belng duly sworn ;:lccording was E:erved to law, says. the within CUMI"I.AINT upon FA [!.OR ml.:NA M defendant, at the 1:1:15 at 174'1:00 HOURS. on the ~~th. day of AUQU3t 58 NIJRTH MIDDU:TON ROAD CARLISLE. PA \7013 County, PennsylvanJ.a, by handing to IR~NA M. FAILIJR a true and attested copy of the CUMPLAINT together with NOTTC~ , CUMBERLAND and at the same time dlrecting tLE'L att,ent.J.on to the contents thereof. Sheriff's 1:08t8: DOf.:;ke+.ing :~erviGe Affidavit ~;urcharge h. 0~1 3.:::0 . 0(~ 2.00 '~" ::::.r,C-".Jpro;:" .. - ~ -" - ~. . '" .~/";,~ ~~. ?!'::. .~-'7n~~I~~ R. Thoma3 ralne. Sheriff ;:;-n. .:0 MURRAY f'l,LDl:I, iZl9/D3/199C. Sworn and sUbsr::ribedll b.?fore " this 1[- . day of . <{I . 19 (I( A. D. I.... by \ \ \_J~-tc ...---- me h. (" I I , (,' in if J tJ,;>;J, . t>rothono aryr-I--.I------- IN nlf': r:UIIfi.T U[.' CCiMI10N PLEA~i OF' r:UMBE:lU.ANiJ (:UUNTY, PENN:o 'I LVAN IA r: I'.} r L UIVI;) ION PNC Bl\NK, N.A., Plaintiff NO. %-4618 CIVIL TEEM (JOMPLAINT IN CIVIL AC:TrGN V. F. ANTHONY ~iTl':T:; AN!I IkENl, M. FAILOfi., Df~ fendc;ln LS NOTICE TO PLEAD To: PNC Ban~, N.A., and their attorney, Murray A. Felder, Esquire YOU ARE H~R~BY NOTIfIED to file a written response to the enclosed Answer with New Matter within twenty (20) days f~om service hereof or a judgment may be entered against you. Respectfully submitted, Dated: C\ llo\~lv "\~\~~ William C. Vohs, Esqui~e Attorney ID No. 65208 11 W. Pomfret Street, Suite 2 Carlisle, PA 17013 (717) 249-5373 Attorneys for Defendan~ f ~'ln~nf.'ln-r''''''''''.1 ~Ao '\I IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ClVIL DIVISION PNC BANK, N.A. Plaintiff -vs- F ANTHONY STETS AND IRENA M FAILOR, Defendants. NO. 96-4618 TYPE OF PLEADING: PRAECIPE FOR DEFAULT JUDGMENT FILED ON BEHALF OF: PLAINTIFF, PNC BANK, NA COUNSEL FOR PLAINTIFF: MURRAY A. FELDER, ESQ. Pa. 1. D. #39331 TWO LOGAN SQUARE SUITE 1520 Philadelphia, PA 19103 (215) 963-3400 <;; :,,' , , I. LU' (): (~ ' (:l;- O. ~ll . W_o lj". ," "'I~/ K. ~ 0", .J 1 \. ,~ I" C' , :.) ... ( \.SJ '\)... ~ ., 1 '- '- ~ "-' "-.J ..) 1 (' ~ - ,,<, 1/'0 "-, \>." "r) ~ .,.J .J r---- .,*- ~ --;r- , \r. ~ '\.i", '<l' cv \.:).~ ..",., MURRAY A. fELDER, ESQ. PA 1.D. #39331 1520 TWO LOGAN SQUARE 18TH & ARCH STREET PHILADELPHIA, PA 19103 215-963-3400 ATTORNEY fOR PLAINTIff COURT OF COMMON PLEAS CUM8ERLAND COUNTY PNC BANK, N.A., NO. 96-4618 Plaintiff -vs- F ANTHONY STETS AND IRENA M FAILOR, Defendants. PLAINTIFF'S REPLY TO NEW MATTER AND NOW, comes Plaintiff, PNC Bank, N.A., by its attorney, Murray A. Felder, Esq. and files the following Reply to New Matter: 1. Paragraph 9 of Defendant Irena Stets' New Matter is denied for the reasons stated in Paragraphs 1 through 8 of Plaintiff's Complaint which is incorporated herein by reference. 2. Paragraph 10 of defendant's New Matter is denied as a conclusion of law. Further, Defendant fails to identify the nature of the facts necessary to constitute a defense under the Deficiency Judgment Act, Defendant fails to state how Plaintiff's conduct violated the Act, and the nature of the violation. , .... -, f.~ f-":: lU(' -, (',. ei: ~ '-~.. 1'- .. .J <? '.:1 " C) 11._ L~ : r .- 1 I V. , . " , L> '.' , '..J >. If) ~,,: L;: ,. Il.ll.. ('; (.J . r.:::( c.. lL. '-:J: ., el. l!.:i , -., [i: ~ . I:. ~n C c.:\ . \ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION PNC BANK, N .A., Plaintiff NO. 96-4618 CIVIL TERM COMPLAINT IN CIVIL ACTION V. F. ANTHONY STETS AND IRENA M. FAILOR, Defendants NOTICE TO PLEAD To: PNC Bank, N.A., and their attorney, Murray A. Felder, Esquire YOU ARE HEREBY NOTIFIED to file a written response to the enclosed Amended Answer with New Matter within twenty (20) days from service hereof or a judgment may be entered against you. Respectfully submitted, HANFT & VOHS Dated: ~b\t.:~\4LJ ~(~ William C. Vohs, Esquire Attorney 10 No. 65208 11 W. Pomfret Street, Suite 2 Carlisle, PA 17013 (717) 249-5373 Attorneys for Defendant, Irena M. Stets deficiency is due. Plaintiff, PNC Bank, N.A., retook possession and sold the home. 6. Denied. Defendant, Irena M. Stets, denies Plaintiff, PNC Bank, N.A., has made any demands for payment to Defendant, Irena M. Stets. 7. Denied. The contract speaks for itself. 8. Denied. Defendant, Irena M. Stets, denies any amounts are due based on Plaintiff, PNC Bank, N.A., retaking possession and it's failure to file a Deficiency Judgment Action. WHEREFORE, Defendant, Irena M. Stets, demands judgment be entered in her favor and against Plaintiff, PNC Bank, N.A. NEW MATTER 9. The answers in paragraphs one (1) though eight (8) are incorporated herein by reference. 10. This Action is barred by the Deficiency Judgment Act. 11. This Action is barred by the applicable statute of limita t ions. 12. Defendant, Irena M. Stets, is liable over or solely liable to Plaintiff, PNC Bank, N.A. ~ l1n:!l.l'JIIn"....\ll:-.T\...~ ,"'... --- --- Verification I verify that the statements made in the foregoing document are true and correct to the best of my knowledge, information and belief. This Verification is made only as to the factual averments contained herein, and not to legal conclusions and averments authored by counsel in his capacity as attorney for the party or parties hereto. I understand that false statements herein are made subject to the penalties of 18 Pa. C. S. Section 4904, relating to unsworn falsification to authorities. (~( ! /II!!, 1/;11 to Irena stets IN THE COURT OF COIlMON PL~AS OF CL1'IUERL.;=,D COUNTY. PENNSYLVANIA PNC BANK, N.A., Plaintiff NO. 96-4618 CIV1L 1996 -V5- F. ANTHONY STETS AND IRENA M. FAILOR, Defendant(s). RULE 1312-1, The Petition for Apoointment of Arbitrators shall be substantially in the following form: P::TI7IO~l FOR ;"?POINTI1~T OF .;RBITRATORS TO THE HONORABLE. THE JoDGES OF SAID COURT: . counsel for ~he plaintiff/d~fenci~nt in MURRAY A. FELDER. ESO. the above 1. 2. action (or actions), =especcfully represents that: The above-c~p:ioned actio~ (or actions) is (are) ~t issue. The claim of the plaintiff in che action is S 15,182.27 TI1e counte.rclai!:l of the defeno.8.n: :'0 the action is /, i t/' The follotJ1ng attorneys are :..nterestec :..n :h~ c:Jse (5) :..:s counselor are other- wise d~squalified to sit as arbitratcrs: MORRAY A pF.T.nF.R. F.~Q ANn WTT.T.TaM (" vnH~. F.~Q WHEREFORE, your ?cci:ioner prays your Eo~oraole Court to appoint three (J) arbitrators to whom the cnse shall be su~cit:ad. foregoing Esq., and A...'lD '\ Re~ec::fully SU~r.1it+d ,\ 1\ (II (. ' , '---'"'~-\..... \ -'~ -.-J----; MURRAY A.I FELDER, ESQ. O?D::? .. C~ll".T ( NOW, \JUNe- /1., nr .' ':..9.9-7, in C?n~iaeration of the petition, CAIl.;-sftJ/?tE/l /I;~Sq., UAI11' \ I!I.L6j.J C\ W, /1.'I1,y) .b1/11,'L/L_, Esq.. are appointed a~bitrators in the ".) above-captioned action (or actions) as pra;red ,cor. By /7h, Court, I Ii', , P. J. ~ 'j, - ". !~ ~ . H'1 ~ f ,. PNC BANK, N.A. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA V. F. ANTHONY STETS AND IRENA M. FAILOR NO. 96-4618 CIVIL TERM CIVIL ACTION - LAW ORDER OF COURT AND NOW, SEPTEMBER 16, 1997, the Court having been informed that the parties have reached a settlement, the Board of Arbitrators previously appointed is hereby vacated. The Chairman shall be paid the sum of $50.00. Christopher Houston, Esquire Chairman H _ Cfj m ";'..1.uI...4, K jrn. ,J.'fJ Court Administrator :sld