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Home My WebLink About96-04812 Cit ~ ~ t Ctol "" (Jl g:: IX! N Ml ~ iI) "r . ''> '0 ..::::r I ,\ " ,I' d'li, , ',I ./ '. \1 01 , , ~.~,'I' ,) ., ~ro 'j, tJ , ' )Ii II nllu VIII, IN '1'lIli: COlJWI' ot!' COMMON Pl.li:f\Il cUMali:IU.NiPCOU/.l.I..i.~lli:NNSYJ..VNiI^ CLVIJ" AC'W'N . J"AW NO, ,/t,. 1so 'J' 7 ( , ILL ~ ( Sli:MS, ROli:PUCI( NiP CO., l?/"AtN'rIt!'t!' MICHli:J,,1E 1<' t!'AIJ"Olt, DIllt!'IllNPANT tlO'fICIE You huve been sued in Court, If you willlh to defend agaLnlllt the claimlll llIet forth in the following paguQ, you mUllIt take Ilatioll within twsnty (~Ol dllYs after thilll Complaint and Notice ftl.'e served, by entering II written aJilpeal.'ance perllonally or by attorllll'lY and filing in writing with the C"urt your defsnlllelil or Qbjections to the claims set forth against you, You no warned that if you fail to do 11I0 the case may proceed Without you and a judgment may be entered againlllt you by the Court without further notice for any money claimed in the Complaint 01:" for any other clAimlll or rl!llief requested by the 1?1nintHf, You may loae money or property or other rights important to you, YOU SIIOU/"P 'rAK~ TIIIII I?AI?Ii:R 'ro YOUR w!\WYER A'f ONCE, If' YOU DO NOT HAVE A /,,^WYER OR cI\NNO'r AFFORDCNE, GO 'ro OR TEJ"EI?HONE 'filE of'FICE SET t!'ORTH BELOW TO FIND OUT WHERE yOU CAN GE'f LIEOAJ" HEw!?, Court Administrator ~:f!!~!~:~I?;~~~~~~~;~~:~~~~;' Fourt!h 'loor VII, IN TI-llll COUR'l' OJ,l' COMMON Jjl~lIl1\S CUMBlIlR~ANO COUNTY, PlllNNSY~VANIA CIVU" Ae'l'ION . ~AW I ,..,.. NO. '(1. 'll""! 1../,/",/' 11'./'" SlIlAnS, ROlllBUCK ANP co" P~AIN'rxf,l'J,l' MICHlIl~lIl K. J,l'AI~OR, PlIlJ,l'lIlNPANT COMPLAINT IN R~PLWVI~ ~tIN'l' t 1, plaintiff ill Sea),'s, Roe l:lUCI k and Co. ("Seal:'ll"), a OOl:pol:8tion ol:ganhed undel: the laws of New YOl:k wit:h a pboe of businells looated at: 45 Congnss Stnet, Balem, Mass/1ohusettu, 01970, :l. Defendant is Miohele K, Failol:, an adult individual l:esiding at :l:l5 West COOVOl: Stl:eet, Apt, 4, Meohaniosbul:g, Cumberland county, Pennsylvania, 17055, 3. Dl!lfe.~dant opened i!OOOUllt no, 54.84031.30:l76.4 with Sears and ohal:ged variou/l p'Jrohases of merohandise to the aooount. 4. Bales invoices exeouted by the Defendant at the times when purchases charged to this account occul:red, granted to Sears a seourity interest in the merohandise purcha~ed until fully paid, Copies of the sales invoices signed by the Defendant are attached hereto, marked olIS Exhibit "A" and ft):e incorporated herein by reference. 5. Sears' security interest in the merchandise purchased purlluant to the account 1s perfected without filing a UCC-l Financing Statement pursuant to UCC 9-302(a) (4). Sears 1s e. QlIcuud creditol.' ot thll DlIflll1dl.ll1t /llId holda II p"l.'hctlld pUl.'ch/l/.lQ monlty IUICUl.'ity l,ntlll.'eat ill the cOI1l'JUlller gooda idllllt i filld in 'Exhibit ~B~ which io attached hllreto and incorpor/lted hllrllin by referllncll, d, All paYlllentB lIIode by thlt PlIfllndBllt on her Sllats aacount al.'lI applied first to /lny unpaid inllurance or finance charges and thlln to pay for the lIarlieBt charuell on the account, 7, Sears I.'eceived cel.'t/lill paYlIIlIlltll tl.'Ol1l thll PlItllndllnt and hu applied such pllYlI\lmtll in the followillg l1\annlll.' I Puymllnts allocatlld to f1nal1clI chargltll Payments allocated to prior pUl.'challell Credits Payments allocattld to secured purchasQs Total Payments Received $ 693,:13 $ 607,~6 $ 0,00 $, 4:11.'17 $l/8~;l,;lG 8, The total balance owed by the Defendant all of August 9, 1995 wu Four Thousand Five Hundred 'rwellty-eight 001l8l.'s and porty- nine Cents ($4,15:10.49), 9. On July 20, 1995 thlll Defendant Hhd a Petition under Chapter 7 of the Bankruptcy Code with the u.s. Bankruptcy Court/ Eastern District of Pennsylvania to no. 95-0139JRJW, 10, On Mal.'ch 12/ 1996 the Defendant received a discharge axtinguishing her lagal liability to pay certain debts including tha debt owed to Sears, 11. SeaJ:s overs, however I that the discharge of the underlying indebtedness hall no legal effect on the validity of its seourity interest in the merchandise identified in Exhibit ~B~, 12. Pursuant to Sears/ purchase money security interest in the merchsndise identified in Exhibit ~B~, Sears is entitlad to possession of such merchandise. 13. Upon information and balief, Defendant ill in possession of the IIIl1rOhlllldhl! idl!lltl.t il!d 111 l~xhilJit "UII, 1~, Altholloh dl!lIIllllded, Pl'lt"lld19llt ~'etu/:Ied Illld cOllt illUcHI tQ ...ltfU/:I1iI to turll oVl'lr pOlllJlIllllion of the IIIl'1l'Clhllndi/:l1l to RII/I"'/:I, Wllftlltlr.FOltlr., Rellru I.'l'JlIlpect tully rtlCllllHltll thill COUrt for 1111 Order direotlllg Petelldllllt to turll over p~Il/:lI!IlQlon at thl! lIIerchundlllle identified in Ir.xhibit lIall and for /luch further relillf that thi$ Court dellllllJ filiI.' Ilnd IIquitublll, ~OUN'l' I t 15, Plaintiff incorporlltes parlJgrllphs 1 through 14 nB if the '1911I19 were 11I01.'19 fully set forth at length herein, 16. Pefendant opened acoount no, 05'5~7G9.50144.~ with Sears and oharged various purohasell of lIIerohandise to the account. 17, Sales invoicell exeouted by the Pefetldant at tho times when purr.:hul9B oharged to this account occurred, granted to Sitars a security intl!rost in the merchandise purchased until fully paid. copios of the sales invoices signed by the Pefendant are attaohed hereto, marked as r;:xhibit IICII and are incorporated herein by reference. 18, Seal'S / security interllst in the l1\orchandise purchased purlJuant to the account is perfected without tiling a UCC-l Finanuing Stateml!nt pursuant to UCC 9 - 302 (a) (4) . Sears is a seoured creditor of the Defendant and holds a perfected purchase money security interest in the consuml'Jr goods identified in Exhibit IIDII which is attached hereto and incorporatl!d herein by reference, 19, All payments made by the Pefendant on her Sears account are applied first to any unpaid insurance or finance charges and then t.:> pay for the el\rl ielilt ahlll'OIll" on the lIoaoUnt, :H. 81111rll UOllivlul ollrtl1il1 pftYllllll1tll r.ram the hftlil applied lIuoh payment II in thll followino llIannerl I?IlYlllentll allocated to Hnllnoe ohnrgef,J I?nymentll ollooated to prior purohaMelil Condit/il l?aYnletltB olloollted to Iill!oured purohalill!/iI 'rotal Payml!l1t/il I~ecltived Defllndnnl; and 10,01') 0,00 0,00 ~ 0.00 ~~, The total ball\noe owed by the Defendant ne of AUgUMt 9, 1996 wu 'rwo 'l'holHland N,\ne HUl1dred Do11l1l:/iI and IHuhteen Cent/il ($;1,900,10), 23. On July 20, 1995 the Defendant filed ft I?etition under chaptel: ? of the Bn~cruptcy Code with the U,S, Bnnkruptcy Court, maliltern District af PennQylvania to no, 95-01393RJW. 24. 011 Mftl:ch 12, 1096 the Defendant received a dil!loharge extinsuil!lhing her legal liability to pay certain debtl!l inoluding the debt awed ta Searlil. 25. Sean" averl!l, however, thot thlll dil!loharge of the underlying indebtodnelill!l halil no ll!{)al effeot on tho validity of itl!l security intel:lIl!1t in the merchandil!ll9 identified in mxhibit "D", 26, Pursuant ta Seal:lil' purchal!le money Iilecurity interel!lt in the merohandilJe identified in Elxhibit "D", Searlil ilil entitled to pOlill!lel!l/ilion of Iiluch merchandilile. 27. Upan infarmation and belief, Defendant is in pOBl!IsQlilion of th~ msrchandil!ls identified in Elxhibit "D", 28, Although demanded, Defendant refuliled and continuea to refulile ta turn over posselillilion of the merohandil!le to Sears, WHWRElFOREl, Sears respeotfully requestl!l thi$ Court for an Order directing Defendant to turn over poaseasion of the . I en ~ CIl til 11 I!: n.~ C'? - ~ ~ S; Ii I, ,!i " Ii II ,i