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IN TilE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA.
JEANNE ANDERSON
Plaintiff
VI.
No. 96-6734
MARK A, ANDERSON
Defendant
Civil
19 96
It appearing that the Master's report in the above stated case has been filed
for tun daye, that no exceptions have been filed thereto, that th~ costs have been
fully paid and that all the nquirements of law and Rules of Court have been met,
you are hereby directed to submit the said case to the Court of Common Pleas of
~umb.rlBnd County, Pa., at the next sitting thfreof.
'ro
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Ililtod
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I, &f?TI:5 (2, ~J~ Prothonotary of the Court of
Common Pleas of Cumberland County, do hereby certify that the costs in the above
stated case, have all been paid, including the Master's fee.
l'rot ono~ y.
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5, The Plaintiff and Defendant are both citizens of the United States of America,
6, There have been no prior actions in divorce between the parties,
7. The Plaintiff and Defendant are not members of the Armed Services of the United
States or any of its allies.
S, Plaintiff avers that there are no children of the parties under the age of IS,
9, PlaintitThas been advised of the availability of counseling and that she may have the
right to requesttbat the Court require the parties to participate in counseling,
10, The causes of action and sections of Divorce Code under which Plaintiff is proceeding
are:
A. Section 3301(c). The marriage of the parties is irretrievably broken,
After ninety (90) days have elapsed from the date of the filing of this Complaint,
Plaintiff intends to file an Affidavit consenting to a divorce. Plaintiff believes that
Defendant may also file such an AtlIdavil.
B, Section BOI(d) The marriage of the parties is irretrievably broken,
The Plaintiff and Defendant separated on October 10, 19'>6.
WHEREFORE, the Plaintiff prays your Honorable Court to enter a Decree in Divorce from
the bonds of matrimony,
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THlWA BARJU:IT MAll
COUN5lLOI AT LAW
I.SPlNE 5TJm
H,oP"5IIJIlCl, l'tNNsVl"",,^ 17101
(717) 233.3220
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IN THE COURT OF COMMON PLEAS
CUMBERLAND COUNTY, PENNSYLVANIA
JEANNE ANDERSON,
Plaintiff
v.
HARK A. ANDERSON,
NO. 96-6734 Civil Term
Defendant
MOTION FOR APPOINTMENT OF MASTER
Defendant, mov.B the court to appoint a m~Bter with respect to the followinq
claimB'
(x
(
(x
(x
Divorce
Annulment
Alimony
Alimony Pendente Lite
x) Distribution at Property
) support
x) Couneel Fees
x) Cost and Expensas
and in Bupport of the motion states.
(1) DiBcovery i. complete aB to the claims for which the
appointment of a maBter iB requested.
(2) The plaintiff has appeared in the action by her attorney,
Kathleen Garey Daley, EBquire.
(3) The statutory qrounds for divorce are 3301(c),
(4) Delete the inapplicable paraqraph(s).
tal TAB 80\1s8 is AS' 8aR'ss\as.
(Is) ]-..ft a~r88ft'1e"'! ftA8 "e8ft reashed ..ieh 1'88'88\ ~e the
'8118\11", sla1MBI
(c) The action is contested with respect to the followinq
distribution, alimony, alimony pendente liee and counsel fees
claims. equitable
and expenBes.
(5)
(6)
(7)
action does lIot involve complex iuues of
hearinq is expected to take ono day.
additiondl information, f any, relevant
,/
law or fact.
The
The
The
to tho motion.
None.
Date.
Auqust ll, 1997
~j.M-&~(hu~c
AND
appointed
alimony,
ORDER APPOINTING MASTt!
NOil, 4<A d: /(~
maBter w th espect
) ')7 - ,
f /~\
, 1997, E. Robert, El1ck,er, II, Esquire 18
to the followinq claimB' equitable distribution,
, counsel fees and expenses.
By the Court.
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PROCEDURAL HISTORY
The divorce complaint was filed on December 11,
1996, raising grounds for divorce of irretrievable breakdown of
the marriage. No economic claims were raised in the complaint.
On April 28, 1997, the Plaintiff filed an amended
complaint raising economic claims of equitable distribution,
alimony, and counsel fees and expenses. previously, on February
12, 1997, the Defendant filed a claim for equitable
distr ibution.
On August 18, 1997, the Master was appointed and
pursuant to his appointment, directed that pre-trial statements
be filed by September 19, 1997. FOllowing the receipt of the
pre-trial statements, a pre-hearing conference was scheduled for
and held on December 19, 1997, at which time the Master set a
hearing date for April 16, 1998.
The hearing went forward as scheduled with the
testimony of the parties. No other witnesses were presented.
Following the testimony, the Master closed the record. The
stipulations that were placed on the record at the beginning of
the hearing were transcribed and sent to counsel for review
prior to incorporating them into the Master's report.
The only economic claim considered by the Master
was equitable distribution inasmuch as wife withdrew her claims
for alimony and counsel fees and expenses.
Counsel and the parties submitted the stipulation
'""
requested by the Master to comply with the requirements of Local
Rule 1920.53-2 which was made part of the record.
Following the review by counsel of the
stipulations, the Master proceeded to prepare and file his
report.
STIPULATION~
1. The first asset would be an investment called the
Pennsylvania Insured Municipal Income Trust.
The current value of that asset is $19,507.00.
2. The second asset is the Van Kampen Fund. The current
asset value is $11,860.00.
3. Each of the parties own a 401(k) plan through their
employer, Computer Aid, Inc. Mr. Anderson's
Computer Aid 401(k) at separation was worth
$14,577.00. Mrs. Anderson's Computer Aid 401(k) at
separation was worth $6,420.00.
4. Mr. Anderson owned several life insurance policies,
both before and after the marriage. We have
stipulated that the marital cash value of lifo
insurance is $8,300.00.
5. Mr. and Mrs. Anderson owned several checking and
savings accounts. Mrs. Anderson's accounts were
located at the Mellon Bank and PSECU. The value for
Mellon at separation is stipulated to be $1,288.00
and the PSEcU, $1,855.00.
Mr. Anderson's accounts were located at Americhoice
Federal Credit Union. There was a share account
and a checking account. The share account's
separation value was $9,234.00 and the checking
account was $1,669.00.
6. In addition to these assets, the parties owned a home
located on Acri Road, Mechanicsburg, Pennsylvania.
We are going to offer testimony as to the valuation
of that asset but we have proposed three values of
the asset for the Court to consider.
2
~
If the Court values the house at $165,000.00, the net
equity, after the payment of the existing mortgage,
first mortgage balance, and the separation value of
the Americhqice loan, would be $41,659.00.
If the Court were to value this asset at $156,000.00
and make the same reduction~ for the mortgage balance
and the second mortgage balance, the net equity would
be $34,159.00.
If the Court w~re to value this asset at $150,000.00
and make the same reductions for the mortgage balance
and the second mortgage balance, the net equity would
be $26,659.00.
7. In addition to the marital assets, the parties had
certain debts. We are going to hear testimony as to
how they should be considered but we can stipulate as
to the amounts that they were at the time of
separation.
There was a joint Mellon credit line with a
separation balance of $9,495.00. There was a
Discover Card with a balance of $1,894.00, and my
client's student loan account, as a result of her
children's higher education, she had a balance due of
$1,655.00.
8. There was a car lease on the vehicle driven by my
client which was in joint names. This lease will be
ended at the end of this summer, the summer of 1998,
and it's been maintained by my client since the time
of separation and she has used this vehicle. The
balance on it was abo~t $9,000.00 at the time of
separation. It's now almost paid off. It remains in
joint names through the end of the lease term.
9. The claims for alimony and counsel fees, which have
been raised by wife, are withdrawn and there will be
no further consideration of those claims in these
proceedings.
FINDINGS OF FACT
1. The parties were married on June 8, 1985, and separated
on October 10, 1996.
2. Wife is the natural parent of two daughters, both of
3
whom are emancipated. The parties had no children
together.
3. Wite is 48 years of age and resides at 1566 Ritchie Lane,
Annapolis, Maryland, where she lives alone.
4. wite is employed as an account manager for the Washington
Post with Computer Aid, Inc. She is a high school
graduate but has had considerable training and experience
in computer programming. Her current employment in the
Washington D.C. area with Computer Aid, Inc., provides
her with a base salary for 1998 of $65,000.00 with an
eligibility to receive bonuses annually of $10,000.00
depending on performance. In 1997, wife's annual gross
income wa& $53,034.00. From 1992 through the present,
wite has shown a gradual and ultimately a substantial
increase in her earnings to bring her to her current
income. Although wife's salary reflects a cost of living
adjustment because of the metropolitan area in which
she resides, nevertheless, wife's earnings, because of
the cost of living where she resides and works, do not
allow her any substantial disposable income beyond her
normal living expenses. Wife does receive medical
benefits, 401(k) contributions, long and short term
disability benefits, and basic life insurance benefits
with her employment.
5. Wife is diabetic and takes medication to control her
disease. She also reported episodes with arthritis which
leave her sore and stiff and requiring her to use a cane
on occasion. otherwise, she is able to perform her
work responsibilities aud indicated that she is doing
fairly well with respect to her emotional health although
occasionally she does talk to a psychologist, Stanley
Schneider.
6. Husband is 50 years of age and resides at 809 Acri Road
Mechanicsburg, Pennsylvania, where he lives alone.
Husband resides in the marital residence, which he would
like to retain.
7. Husband is employed by Computer Aid, Inc., as a project
manager. He works in the central Pennsylvania area and
stated that his base salary is $56,000.00 plus the
potential for quarterly bonuses and two separate bonuses
annually. For 1997 his gross annual income was
$92,000.00; for 1996, $73,068.00; and for 1995,
$65,414.00. Husband has full benefits including medical
insurance, standard life insurance, and a 401(k) plan.
4
Husband received a Bachelor's Degree in languages from
Carnegie Melon in 1969, spent two years in the Army, and
then had various computer company positions, leading to
his present employment with Computer Aid, Inc., which
he started in March 1990.
8. Husband indicated that he has good health but does have
problems with high blood pressure and attempts to control
his blood pressure with medication and diet.
9. Wife indicated that she brought to the marriage an old
car and some furniture; husband brought two vehicles to
the marriage and the proceeds from real estate that he
sold in Etters, York county, Pennsylvania, in the amount
of $20,000.00 which he used as a down payment on the
parties' home on Acri Road, Mechanicsburg, Pennsylvania.
Husband also indicated that he brought some furniture to
the marriage. One of the vehicles husband brought to the
marriage was a porsche which he sold, the proceeds of
which were placed into a money fund in joint names which
ultimately has grown in value. The interest from the
fund was transferred to another joint account and has
also accumulated during the marriage. The monies that
were l'eceived as proceeds by husband from the sale of
his home in Etters, Pennsylvania, in the amount of
$20,000.00, were placed into the marital home which is
held in joint names. The marital home was purchased in
joint names around the time of the marriage in 1985.
10. The value of the marital home is $165,000.00 and based on
Stipulation No.6, assuming a value of $165,000.00, the
net equity in the home is $41,659.00.
11. Although the parties disagree on the value of the marital
household tangible personsal property which each
received, considering the evidence that was presented,
the Master finds that the parties each received
substantially equal value with respect to the marital
tangible personal property distributed between them.
Therefor~, no value will be used for that property in
the equitable distribution computation.
12. Since separation husband has been paying the first
mortgage payment and the second mortgage payment on the
marital home where he is residing. The first mortgage
payment to PNC Bank is $1,088.00 per month which
. includes taxes and insurance. Husband pays $700.00 per
month on the second mortgage to Americhoice, but husband
indicated that the monthly payment that he makes is in
5
excess ot what is required. In any event, the net
value ot the real estate as stipulated herein, based on a
market value ot $165,000.00, has taken into account the
balances due on the two mortgages.
13. Neither party is receiving nor paying spousal support
or alimony pendente lite, and wife has withdrawn her
claim for alimony and for counsel fees and expenses.
14. No objection has been made by either party in these
proceedings to the method and adequacy of ~ervice of
any of the pleadings in the divorce action nor has either
party or counsel objected to the jurisdiction of this
court to act in these proceedings.
CONCLUSION OF LAW
The grounds for divorce are irretrievable breakdown
ot the marriage. Both parties have filed affidavits of consent
so that the divorce can be concluded under section 3301(c) of
the Domestic Relations Code.
ANALYSIS OF THE FACTORS AS SET
FORTH IN SECTION 3502(a) OF THE
DOMESTIC RELATIONS CODE
1. The parties were married and living together in a
marital relationship for a little over 11 years and
have been separated for approximately 1 and 1/2 years.
2. This is the second marriage for wife; this is the first
marriage for husband.
3. Wife is 48 years of age and is employed as a project
manager for Computer Aid, Inc., assigned to the
Washington Post account. Wife is a high school graduate
and has been trained in the computer programming field.
She reported gross income in 1997 of $53,034.00 and
stated that her base salary in 1998 is $65,000.00 with an
eligibility to receive a $10,000.00 annual bonus. She
has medical and insurance benefits and a 401(k) plan.
wite stated that even with her income, she is having
difficulty meeting her obligations because of the cost
ot living in the area in which she lives and works
6
(Annapolis and Washington, D.C.) Wife has been diagnosed
with diabetes which she treats with medication and diet;
she also has had episodes with arthritis which
occasionally make her sore and stiff and sometimes
require her to use a cane for walking. Wife's
liabilities include a debt with Mellon Bank which was
used in part for her relocation expenses and to assist
with costs for her children's higher education.
Husband is 50 years of age and is employed as an account
manager with Computer Aid, Inc. He works in the central
Pennsylvania area and reported his income for 1997, which
includes bonuses, at $92,000.00. He reported that his
base income is $56,000.00 with the potential for
quarterly bonuses and two different types of annual
bonuses. To show consistency in income, above the base
salary, husband reported his 1996 income to be
$73,068.00, and his 1995 income to be $65,414.00. Like
wife, he is entitled to medical insurance benefits, other
insurance benefits, and 401(k) participation. Husband is
a college graduate with a Bachelor's Degree from carnegie
Melon where he graduated with a degree in languages in
1969. He has had extensive training, however, in the
computer industry based on his considerable work
experience. Husband reported that he has high blood
pressure which he treats with medication and diet.
Husband's liabilities arising from the marriage consist
of the first and the second mortgages. Those
liabilities, however, have been taKen into account in
arriving at the net equity in the real estate which is
being awarded to husband.
4. Neither party has contributed to the education, training,
or increased earning power of the other party.
5. The opportunity for future acquisitions for each of the
parties is based on their income. Consequently, because
husband has a substantially higher income than wife, it
appears as if husband will have a better opportunity to
acquire assets in the future and to increase his income,
keeping him ahead of wife's income.
6. The sources of income of both parties are based on the
earnings which they derive from their present employment,
and any benefits that they receive are potentially
available as a result of that employment.
7. Both parties contributed to the acquisition of the
marital assets. Wife brought into the marriage an old
7
car and some turniture; husband contributed the proceeds
from the sale ot a home which he owned prior to the
marriage in the amount of approximately $20,000.00, some
turniture, and two vehicles. The porsche vehicle was
sold tor around $9,000.00 and those proceeds were placed
into a joint account and the interest from that account
placed into another account which has been growing since
the early part of the marriage. The contributions which
husband made to the marital estate were around the time
or shortly after the time the parties married and those
contributions were placed into joint ownership (the
marital home and the monies received from the sale ot the
Porsche) which would clearly indicate that husband
intended to gift those assets to the marital estate.
8. The value of any property that each party has aside from
the distribution of the marital assets is minimal aside
from any retirement benefits which have accruen
subsequent to the date of separation.
9. The parties had a comfortable standard of living and
enjoyed the benefits of income earned from their
employment together in providing a pleasant living
environment, vacations, and money for social and
entertainment activities.
10. The economic circumstances of the parties are that each
will be able to maintain themselves on their current
income in a middle class lifestyle with the prospect of
future earnings to improve their economic status,
although husband, as indicated, will most likely have
an opportunity to enjoy a somewhat better standard of
living based on his earnings and earning capacity.
The Master has not considered any tax ramifications
with respect to the distribution of assets.
11. Neither party is serving as the custodian of any
dependent minor children.
DISCUSSIQH
EQUITABLE DISTRIBUTION
Based on the stipulations of the parties and
counsel, the facts found by the Master, and ~he analysis ot the
8
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factors under section 3502(a) of the Domestic Relations Code,
the Master believes that the distribution ot assets ot the
parties shculd be on an equal basis.
There is no one factor or combination of factors
weighing in favor of one party which would leave the Master to a
conclusion that would warrant any finding other than a
distribution of assets on a 50/50 basis. It is true that
husband has more income than wife; however, this factor alone,
considering other circumstances in thi6 case, would not lead the
Master to make a finding other than on an equal distribution,
taking into account issues raised by husband of his
contributions to the marital estate of premarital assets and
wite's expenditures during the marriage of assets for her
children's college educations.
One issue that the parties left to the Master was
the value of the ffiarital real estate. Wife testified that in
her opinion the property had a value of at least $165,000.00 and
husband testified that in his opinion the property had a value
of $150,000.00. At the pre-hearing conference on December 19,
1997, husband's counsel at that time did not quarrel with the
suggestion that the real estate was worth $165,000.00. But
aside from counsel for husband's acquiescence in the suggested
value at the pre-hearing conference, the Master was more
impressed with the fact that husband's own exhibits, which were
showing values of comparable properties, would tend to support
9
the position that the property is worth $165,000.00. Two of the
three properties which husband used as comparables were valued
slightly in exceAS of the subject property, and although husband
attempted to point out ditferences in the properties with
respect to number of bathrooms and other features, nevertheless,
the Master was not able to otherwise compare what features the
subject property had or did not have to two of the comparable
properties which might lessen its value. Further, the
comparables which husband used were 1996 values and we are now
in 1998, so we can assume that there has been a slight increase
since 1996 due to the appreciation in the market. consequently,
the Master is comfortable in setting the value of the real
estate at $165,000.00.
with respect to the tangible personal property of
the parties, husband valued the items wife took at $7,520.00 and
the items which he retained at $2,110.00. The Master was not
impressed with the evidence presented since there were no
appraisals and since wife's opinion conversely was that the
property which each obtained was of nearly equal value. She
further went on to explain how she attempted to be fair by
taking an item of a certain value and leaving behind an item of
a similar value. Further, husband's list of items was not
accurate with respect to items which he retained, having failed
to include certain items on his list. The Master, therefore,
was not pursuaded by the evidence presented that he should make
10
any findings other than that each ot the parties received a
nearly equal amount of the household tangible personal property.
The parties had what the Master considers a
somewhat difterent way of taking care of their family finances
during the course of the marriage. Oftentimes husbands and
wives will commingle their funds although each has access to
individual tunds, nevertheless, there is a common fund to which
the parties contribute and for which the parties use to pay
their customary and normal living expenses. In this case,
however, apparently the parties would each pay certain bills and
it one of the parties was getting behind or was unable to pay a
specific bill assigned, then that party would ask the other
party to pick up the payment. There did not appear to be any
commingling ot funds necessarily between the parties except that
certain assets were held jointly which have been identified as
marital assets. But with respect to the everyday financial life
of the tamily, it appears that the parties maintained their
separate accounts and responsibilities. Husband complains that
much of wite's income for a period of time was used for the
benetit of educating her two children to a prior
relationship/marriage. Husband, however, assented to wife's
contributions since these contributions were ongoing during the
time the parties were living together; further, husband
co-signed obligations to banKS which he knew would be used to
help tinance the education.
11
,
The Master indicated to counsel and the parties
that he would not attempt to reconstruct the tinancial life of
the parties nor to dissect the decisions which they made with
respect to how the money was spent during the tJ.me that they
were living in a viable, marital relationship. Consequently,
the Master is not going to consider as a significant factor in
making his recommendations that wife made contributions from her
income for the benefit of her children's education. The only
axception to this general proposition is that the Master will
assign to wife the debt to Mellon Bank and the Discover card,
which are in joint names but which wife acknowledged were used
in part for relocating when she separated and to help finance
some education expenses for one of the children. At the time of
separation, as noted, this credit line had a balance of
$9,495.00 and the Discover card a balance of $1,894.00.
Based on the stipulations and the findings of fact
by the Master with respect to certain assets, the total value of
the marital assets are $116,369.00 and each party is entitled to
receive a distribution of assets based on an equal division of
$58,184.50.
~OMMENDATIONS
EQUITABLE DISTR7BUTION
MARITAL ASSETS AND VALUES ASSIGNED TO WIFE
12
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PA Insured Municipal Income Trust $ 19,507.00
Van Kampen Fund $ 11,860.00
Wife's 401(k) with Computer Aid, Inc. $ 6,420.00
Wife's Mellon Bank account $ 1,288.00
Wife's PSECU account $ 1.855.00
TOTAL $ 40,930.00
MARITAL ASSETS AND VALUES ASSIGNED TO HUSBAND
Husband's 401(k) with Computer Aid,
Inc. $ 14,577.00
Life insurance policies
(combined cash value) $ 8,300.00
Husband's Americhoice Federal Credit
Union share account $ 9,234.00
Husband's Americhoice Federal Credit
Union checking account $ 1,669.00
Real estate situate at 809 Acri Road,
Mechanicsburg, Cumberland County,
Pennsylvania (market value less first
mortgage and second mortgage payoff
balances)
TOTAL
$ 41.659.00
$ 75,439.00
COMPUTATIONS
Value ot marital assets wife
entitled to received
$ 58,184.50
Value at marital assets assigned
to wife
$ 40.930.00
Shorttall on wite's distribution of
marital assets
$ 17,254.50
13
Value ot marital assets husband
entitled to receive $ 58,184.50
Value ot marital assets assigned to
husband $ 75.439.00
Excess ot in kind distribution to
husband $ 17,254.50
within sixty (60) days from the date of a final
order in these proceedings, husband shall pay to wife the sum of
$17,254.50. At the time of the receipt of the money from
husband, wite shall deliver to husband a special warranty deed
transterring all her right, title, and interest in the subject
property at 809 Acri Road, Mechaniscburg, Cumberland county,
Pennsylvania, to husband.
Husband shall indemnify and hold
wite harmless on account of any claims which may be made aga!.nst
wite by the first and second mortgagees. 1f necessary, to
assist husband in obtaining any refinancing, wife shall execute
a deed at the request of a mortgagee, which will be held in
escrow and not delivered to husband until payment to wife of the
money she is entitled to receive herein. However, a copy of the
executed deed will be able to be ultilized by the mortgagee in
assisting husband in refinancing.
The parties will sign all titles and documents
necessary to transfer ownership of assets assigned to each of
the parties herein as provided in the distribution of assets set
forth above.
Any interest earned on the accounts from the date
14
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IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 96 - 6734 CIVIL
JEANNE J~NDERSON,
Plalntitt
MARK A. ANDERSON,
Defendant IN DIVORCE
RE: Pre-Hearing Conference Memorandum
DATE: Friday, December 19, 1997
Present for the Plaintiff, Jeanne Anderson, is
attorney Kathleen Carey Daley, and present for the Defendant,
Mark A. Anderson, is attorney Theresa Barrett Male.
A divorce complaint was filed on December 11, 1996,
raising grounds for divorce of irretrievable breakdown of the
marriage. Counsel have advised that the parties will sign and
file affidavits of consent prior to the hearing so that the
divorce can proceed under section 3301(c) of the Domestic
Relations Code. No economic claims were raised in the original
complaint.
On April 28, 1997, an amended complaint was filed
raising the economic issues of equitable distribution, alimony,
alimony pendente lite, and counsel fees and expenses. with
respect to the claim for counsel fees, attorney Daley has
indicated that that claim has been waived.
On February 12, 1997, husband filed a claim for
equitable distribution.
Counsel have indicated that there will be no
testimony offered on the factor of marital misconduct as that
factor affects the alimony claim filed by wife.
Wife is 48 years of age and resides at 1566 Ritchie
Lane, Annapolis, Maryland 21401, where she lives alone. She is
a project manager with Computer Aid, Inc., and currently works
in WaShington, D.C. Her annual gross salary is $75,000.00.
Wife is a high school graduate. She ~s not receiving any
spousal support or alimony pendente lit~ She i~ a diabetic and
takes medication for her health condition. Wife has two
children to a prior marriage; one of the children is still in
college and the other has graduated from college.
Husband is 50 years of age and has a bachelor's
degree. He resides at 809 Acri Road, Mechanicsburg,
Pennsylvania, where he lives alone. He also works for Computer
Aid, Inc., and has an annual gross income of $73,000.00. He has
not raised any health issues. He is not receiving any support
or alimony pendente lite.
Husband resides in the marital residence which is
subject to a mortgage and a home equity loan. Counsel have not
had the property appraised. Counsel for husband is willing to
use the value for the home at $165,000.00. counsel for wife
indicated she reserves the right to have the property appraised.
The first mortgage is around $95,000.00 and the home equity loan
is around $33,000.00.
with respect to the home equity loan, husband
claims that the payoff of that loan should be borne to a large
extent by wife since the benefit for the monies received went to
pay for the education of wife's children and for other expenses
that wife solely received the benefit of. There is a dispute as
to the use of those funds for the marital estate or for wife's
personal benefit. LiKewise, there is a remaining balance on a
Mellon Bank line of credit which is not secured by the house
which husband claims was used for wife's benefit. The Master
has indicated that he does not want to approach this case with
trying to reconstruct the marital financial life of the parties
while they were living together. Husband did sign loan
applications and was aware of the monies being borrowed on these
accounts; however, the Master has inquired from attorney Male as
to what husband claims was used for the benefit of the
children's tuition payments and other college expenses. We may
approach this case, therefore, from the point of view of looking
at the benefit from the monies borrowed specifically geared to
the children's expenses.
The Master has also indicated that if husband
wishes to sell the house he should maKe arrangements to have the
home listed immediately. Apparently wife has no objection to
listing the house for sale. The benefit to husband, it seems,
would be that wife would share in the costs of settlement;
otherwise, husband should not expect to come into the hearing
and say that he changed his mind if he has not agreed to sell
the house previously and wants to sell the house when the case
is scheduled for a hearing expecting the Master to give some
credit toward the costs of sale. The Master will not do that
based on the fact that those estimates would be too speculative
and also because husband has had ample opportunity to make up
his mind about selling the property at the present time.
The vehicles involved in this case are both leased
and, therefore, do not have any value for purposes of equitable
distribution.
The pre-trial statements listed certain accounts
and counsel have not had any major dispute as to values ot those
accounts which include a Van Kampen account, AmeriChoice Federal
Credit union, Mellon BanK account, and a PSECU account.
The parties also have 401(k) accounts with Computer
Aid, Inc. Those account values should be easily determined by
counsel and can be most likely stipulated to at the hearing.
An issue was raised about insurance policies which
husband owns and counsel for wife is indicating that there may
be a sUbstantial increase in value in the cash amounts of those
policies. Attorney Male is going to provide documentation about
the policies so that adequate information <';ui, be derived
regarding the date of separation values, if any, in the
policies, and using those values to compare with the date of
marriage values.
There is some issue perhaps regarding household
tangible personal property inasmuch as husband claims that wife
received most of the property. Therefore, counsel may decide
they should have the property appraised to determine what
property should be charged against wife which is in her
possession and what property should be charged against husband
which is in his possession.
Counsel have listed marital debt on the pre-trial
statements and most of the debt is able to be allocated with the
exception as noted of the home equity line of credit and the
Mellon Bank loan. The issues relating to those two loans will
most likely have to be developed through testimony of the
parties.
A hearing is scheduled for Thursday, April 16,
1998, at 9:00 a.m. Notices will be sent to counsel and the
parties.
E. Robert Elicker, II
Divorce Master
cc: Kathleen Carey Daley
Attorney for Plaintiff
Theresa Barret Male
Attorney for Defendant
1 THE MASTER: Today is Thursday, April 16,
2 1998. This is the date set for a Master's hearing. Present
3 in the hearing room are the Plaintiff, Jeanne Anderson, and
4 her counsel Kathleen carey Daley, and the Defendant, Mark A.
5 Anderson, and his counsel Theresa Barrett Male.
6 A divorce complaint was filed on December 11,
7 1996, raising grounds for divorce of irretrievable breakdown
8 of the marriage. The parties have provided the Master with
9 atfidavits of consent and waivers of notice of intention to
10 request entry of divorce decree so that the divorce can be
11 concluded under section 3301(C) of the Domestic Relations
12 Code.
13 An amended complaint was filed on April 28,
14 1997, raising the economic issues of equitable distribution,
15 alimony, alimony pendente lite, and counsel fees and
16 expenses. Previously, on February 12, 1997, husband filed a
17 claim for equitable distribution.
18 The parties and counsel have signed the
19 stipulation, which will made part of the record, pursuant to
20 Local Rule 1920.53-2.
21 The parties were married on June 8, 1985, and
22 separated on October 10, 1996. There were no children born
23 ot the marriage. Counsel have discussed certain
24 stipulations which are going to be placed on the record.
25 Ms. Daley.
1
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
1
2
6.
3
4
5
6
7
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8.
9.
account was $1,669.00.
In addition to these assets, the parties owned a home
located on Acri Road, Mechanicsburg, Pennsylvania.
We are going to offer testimony as to the valuation
of that asset but we have proposed three values of
the asset for the Court to consider.
If the Court values the house at $165,000.00, the net
equity, after the payment of the existing mortgage,
tirst mortgage balance, and the separation value of
the Americhoice loan, would be $41,659.00.
If the Court were to value this asset at $156,000.00
and make the same reductions for the mortgage balance
and the second mortgage balance, the net equity would
be $34,159.00.
If the Court were to value this asset at $150,000.00
and make the same reductions for the mortgage balance
and the second mortgage balance, the net equity would
be $26,659.00.
In addition to the marital assets, the parties had
certain debts. We are going to hear testimony as to
how they should be considered but we can stipulate as
to the amounts that they were at the time of
separation.
There was a joint Mellon credit line with a
separation balance of $9,495.00. There was a
Discover Card with a balance of $1,894.00, and my
client's student loan account, as a result of her
children's higher education, she had a balance due of
$1,655.00.
There was a car lease on the vehicle driven by my
client which was in joint names. This lease will be
ended at the end of this summer, the summer of 1998,
and it's been maintained by my client since the time
of separation and she has used this vehicle. The
balance on it was about $9,000.00 at the time of
separation. It's now almost paid off. It remains in
joint names through the end of the lease term.
The claims for alimony and counsel fees, which have
been raised by wife, are withdrawn and there will be
no further consid3ration of those claims in these
proceedings.
3
1 THE MASTER: Are there any other marital
2 assets to be considerAd in this case other than those that
3 h~ve been addressed in the stipulation?
4 MS. MALE: No.
5 THE MASTER: And are there any other marital
6 debts or debits to be considered other than those noted in
7 the stipulation?
8 (A discussion was held off the record.)
9 THE MASTER: Counsel are going to place on
10 the record how certain of the assets are owned.
11 MS. DALEY: The Americhoice account with both
12 the share and the checking account has been distributed to
13 husband.
14 The PSECU and Mellon Checking accounts,
15 Mellon being $1,288.00 and PSECU being $1,855.00, have been
16 distributed to wife.
17 Husband's life insurance is to be distributed
18 to him or has been distributed to him.
19 Wife's 401(k) goes to her. Husband's 401(k)
20 goes to him.
21 THE MASTER: Swear the witness, please.
22 Whereupon,
23 JEANNE ANDERSON
24 having been called as a witness, testified as follows:
25 DIRECT EXAl~INATION
4
and we stipulate that said tacts can be made part ot the record
as it specitically testified to under oath at a hearing in these
proceedings.
Plaintiff: Date: Counsel for Plaintift:
f)lldA.IJ {l1ltuJtU 411(,19>, ~!(d,J(: '/7}u (j
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Defendant: Date: Counsel for Oetendant:
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7. Defendant has requested that Plaintift contribute to the
payment of the home equity line.
8. Plaintiff has refused to assist Defendant in paying this
debt since she vacated the marital residence.
9. Prior to separation, plaintiff paid fifty percent (50%)
ot the home equity line payment and $200 per month on the mortgage.
10. Plaintiff last made a payment on the home equity line in
September 1996.
11. Defendant has incurred legal fees in connection with this
matter.
12. Plaintiff earns approximately $50,000 annually.
13. Defendant earns $73,068 annually.
WHEREFORE, Defendant requests the court to issue a rule on
Plaintiff to show cause why the court should not order her to
contribute to payment of the marital debt and thereafter to enter
an order directing Plaintiff to pay to Defendant ninety percent of
the monthly home equity payment, i.e. $602.10, effective October 1,
1996.
Respectfully submitted,
1LJa~~4--
Theresa B rrett Male, Es uire
Supreme Court # 46439
115 Pine street
Harrisburg, Pennsylvania 17101
(717) 233-3220
Attorney For Defendant
Date: 1~1/11
WETS OF PARTIES
PLAINTIFF MARKS ON THE LIST BELOW THOSE ITEMS APPLICABLE TO THE
CASE AT BAR AND ITEMIZES THE ASSETS ON THE FOLLOWING PAGES,
(X) I. Real Property
(X) 2, Motor Vehicles
(X) 3. Stocks, bonds, securities and options
( ) 4. Certificates of Deposit
(X) 5. Checking accounts, cash
(X) 6. Savings accounts, money market and savings certificates
( ) 7. Contents of safe deposit box(s)
( ) 8, Trusts
(X) 9. Life insurance policies (indicate face value, cash surrender value and current
beneficiaries)
( ) 10, Annuities
( ) II. Gifts
( ) 12. Inheritances
() 13. Patents, copyrights, inventions, royalties
( ) 14. Personal property outside the home
( ) IS. Businesses (list all owners, including percentage of ownership, and officer/director
positions held by a party with company)
( ) 16. Employment tennination benefits. severance pay, worker's compensation claim/award
() 17. Profit sharing plans
(X) 18. Pension plans (indicate employee contribution and date plan vests)
,<> 19. Retirement plans, Individual Retirement Accounts
( ) 20. Disability payments
() 21. Litigation claims (matured and unmatured)
( ) 22. MililarylVA benefits
( ) 23. Education benefits
(X) 24. Debts due, including loans, mortgages held
(X) 2S. Household furnishings and personalty (include as a total category and attach itemized
list if distribution of such assets is in dispute)
( ) 26. Other
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Il The Income and Expense Statement ofPlaintilf, Wife.
r. Any additional exhibits will be forwarded to Defendant prior to trial.
5 The lII'OIS income of the Plaintilt'from all sources including payroll deductions, recent
Itato and federal Income tax returns and pay stubs:
Wife is employed by Computer Aid, Inc. Her 1997 income is expected to be
approximately $M,OQO.QQ.
6. A liltin" of the expenses of the Plaintiff:
Income and Expense Statements include this information.
7. The valuation of pension or retirement benefits and a calculation of the marital portion
thercofand the facts and documentation upon which the party relies to support the valuation:
No pension values are disputed.
8. Claim for counsel fees:
The PlaintifTis not c1aimin" any counsel fees.
9. Tan"ible personal property values:
The Plaimil1'willtestify as to the values of all tangible personal property in question.
10. Listin" of marital debts:
Inventory comains this information.
II. The Plaintiff makes the following proposed resolution of the economic issues:
A. In the event that Husband wishes to maintain the marital home, he
should be directed to satisfy the joint debt on the property and other marital
debts, obtain a new individual mort"age and distribute to Wife a sum of
money sufficient to equalize the distribution of net assets 50% to Husband
and 50% to Wife.
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230 YOIJr tFM rJeducll'.)n (~ee pogo 19)
b Spouse's IRA deduction (see paQe 19)
24 Moving e.ll!Jense5, Attach Form 3903 at 3~O:lr
25 Onfll.hnlf 01 sail-employment ta)!
20 Sell omployed h(';111h insurtU1(;e de:duCII"n l';I:'~ ~HIW! /11
27 KcoUh A 5~1'"mnployed SEP plllW. II ~,t- P, c.tll'r.k ~ l I
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Income
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~ Youraelf. II v.our f)3rent (or 50rt1'0n.'.I'I~;I:) t~'\.1l datlll yeaJ lJ'j n cJt,pcn.denl 01.'111.5 or hur lro: } No. alboJu
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o Tolal number or exemptrons claimed '.
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To)'oble Interest income (500 page 15). Attach Sch.-:odulc 8 il ()\;'<::,r $.-100, , . . ,
Tax-exempt interest (sea page 15), OON'l Inr:IIJde on hnc 83 L,,~b 1. .___n _1._
Dividend income. Attach Schedule B if over $400
Taxobte rclumJs, credlt~, or uffsels of statl' and IOC,11Inl..orne t,j.o:('5 (Sl.!C plllJt) 15)
Alimony received
L:lI~inf!',;:> InollHl or (Io~s). At1ach Scheel:JI/' I: IA C-L':
Capltar ~J:lln or (it::;',), If feQulred, aIlJr;t, :-', ;1'",' ',~ l' ('to.; 11.1<)( '1.,
Other gall1s 01 OU$,;'1:>) AlIach Form 4/0/ , , . ,
Total IRA dtstriblllion~ l ~~l!..L.___ __ 1.1 b T;j),abll! amount (see page 16)
Tolal pensions and i1nnUltJe~ ~_~._...n_.. __~ 1 .. b Ta~;jt'll! amount (see page 16)
Rental real estate, rOYl1llies, partnerships, !-; corparotlQnS, InJsts, etc. AltBch Schedule E
Farm Income or (Ias!;) Atlneh SehcdlJll1 r
Um'rnploymenl cornpen5alion (5CC DW~f' 1 il
SCleral 5CCurlly ben~!'1!5 L~~_l_ _____.. ___
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Oltl~' credlls (Sill.! pnl~u 25) CI',...:k ,I 't,~m 0 [] Fonn 3800 I". I
b [; Form tl3',W c I ! ~nrt11 t~I!01 d r.J Form (specify) ____ L.!1...L,
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Sell.employment lalt, Allil(ll :.~(nl!dl)lc SE ,
Alternative mlnlnlum l,lX. ^Ila(n Form B:)51
Rp.CJpllJre t(l)P'~. Ctleck It Irer,1 a l-] Fr.;;rrn "t255 bLl Form 8611 cD Form 8828
Social seCtln!'1 3nd Medlc"r.. I.u en tip ,nccme nol reported to err ploy cr. Attach Form 4137
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Advance eamed Income CH)C)I! p.JYll1cnts Irom Form W.2
Household p.n1pl(.1ymenlta)'.e~, Attac.h Schedull! H.
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FetJarat Income IJX \\ul1hl'lil II :in', ,:; ffl:m FOfJIli~) 1099, cheCk" 0
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Earned incomo c:rf:oll. ,'tlnch '::",;r.('d'~lc Ele it you h:l\ll ,1 Qualifying
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Billing Statement
~
PNIP'MOR1rGAGE
'"
Pogl 1 of 2
Property Addre..:
Loan Number
0090l0B005
808 ACR I ROAD
MECHANICSBURG PA 17055
tr ~or informarion collI ~8004736.9090
(!) 8ulin... hou": w...day. 8-8, Soh.lrdoYI 9-1
Automat.d Information 2A hours (I doy
o Or writ. 'Oi PNC Mortgogl
ATTN: Corrtlpond.ncl
P.o. Bo. 37560
lo,l.vlll.. KY 40233-7560
..,llttU"""!
1 5500901 OB005 AL
000370
MARK A ANDERSON
~EANN! 0 ANDERSON
B08 ACR I ROAD
MECHANICSBURG PA
1705!S-2231
Mortgagor SSN
Co-MorllOlO' SSN
211-311-B888
lB7-3B-3BBl
1",111",111""1,1,,1,1,"1,1"1,1"11,",1111,,,1,1",1,1,I
Total Amount Due
R.gular PO)'m1nt 0,,1: 10/01196
TOlol PoymeMOulr
$1.0112.41
$1,082.41
Mortgage Account Summary
Regular Payment Decall
Prindpol and Int."u
elcrow/lmpound
Total Regular Poyrn.nt 01,11
... lor. Chors.."...
$B41. 04
$221.37
$1.0112.41
... Addlltonol Prindpol
... Additional !lcrowllmpound
Late Charge of $42.0B If paid after 10/18/IB
,
Chick Numb.,
Dot. Paid
... 'uNre Torol Payment(s)
= Amount Inclo.'"
() ft'~. '-/1
Balance Summary
Curr.nt
Inl"."
Rof.
TOUI
Pold
Thll Vtar
$2,478.5B
IMurance
Pold
Thi. V.ar
$289.00
Principal
Paid
Thh Yeor
$2.182.73
Current
E.crow/lmpound
Balonce
S3BB.77
Int.....t
Pold
Thl. V.or
$B,3BII.1I3
7.500%
Curren'
Prindpal
Balance
$94,538. BO
,,,~,,poI bolon, I"O..~;I ul a JIOl'1IH lI....y~1 '1'0" coli fo, pcI)'olf ;"Io'lIIOrlO~,
09/10/96
Account Activity Through
Oat. Oat.
Ou. Paid Tran.o(tfon Amount
08/88 08/10 SEP PAYNENT $1,082.41
tg-6:).'f/
f)m(), -
Escrowl
Impound
$221. 37
MI.cellan.ou.
PrincJpol
$248.81
Inter..'
$B82.43
'1.-1 "/30/<;(" /1/ -1J 'f/'(
(Ofl/f(., 9-11 /0.1
Important Information
Home shopping? The Approvalftrst Process Is the
mor'tgage payment before you ShOP for a new home.
local Drlnch today, and shop smart tomorrow.
quIck and easy way to be preapproved for a monthly
Call PNC Mortgage at l'Boo-4B7-7730 or VIsit your
SE~ R!VERS! SIDE 'OR IMPORTANT IN'ORMATION ABOUT YOUR LOAN
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NOVE~,<R 4, 1992
MAAI{ A. HCEk~ON
JEANN, G. A~DERSON
~CJ; A(AI FOAD
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(717) 7JZ-414~
~.Il'Y DECr"R
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:~ ;;,.~~~"E T~ YOUR ~EQU:ST 10 PROVIDE INFOR~ATION PEGARDING THE
IT _ ~~ T~: <~U.FAX C:E=IT ALPCRT, hERE IS OUR E~PLA~ATICN:
..
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, ,0. H L U. :.) : A C H : C K I r. ~ I ': : :, E Y MAN ~ :; E ~ A C C C U ~ T (JE ANN E · S ); "
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-.; 1.;l Ft~IO" JF ~N;;:-I~LCHEI.T, ~:,..,( OF THESE PAY/lIENTS I.EPE LATE.
;;;'nY ~lT:~~T ~AS hRDE le MA~~ ThE FAY~!NTS ~ITHIN A REASONAELE
7.'~ r:~:a", A~= "NY LAll C~ARGES ASS!SSED IIERE ALSC PAID. THIS
..C:~'J'\T IS Cu~;:;:.r,i.
,. ! e CeLL C CT I e ~ :; AC C I) U rH '4113 [5 H n
J:A~~: CC~T~:TiC IC SY~li~S Ch TU!SDAY, NOVEM~EP 3, 199i TO
~:scu~: T~I~ ITC' A\: HP! t~~C:D T~ ~AY THE ITE- IN FULL AS seCh
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T.I: :TE~ _~: p ~LPP'I5E lC us, .~D PE~LIREO SO~~ AESEARCH. IT
T~'N:~ CUT T~ ~a A ~:OIC.L 2ILL FOR ONE OF JEAN~E'S DAUGHTERS
Tn.T SH~ULO HAV: :l~~ P~:t ay JEA~NE'S II.SUPA~CE. DUE TO THE
'~:~TH.~Y RuLi', ~i ~AV~ ~X?ERIENe[D CCNTlhUAL DIFFICULTY IN
~~TllN~ PArME~T fr~ ~:Ol[.L Il<~S fUR JEANNE'S tHILD~EN. DUqI~G
Tri' SU~~.H OF 1Y,1, J!A~~E MA:~ ~ CCNSIOERA3LE EFFORT TO RESOLVE
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INQUIRIES.
HOIoEVER,
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IL .'.~\. 's u~~~rLOY":NI. ~~~EVER, WH~~ JEANN~ IT.~l~O H:~
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Calhback BQnu.<>> Ihis pe,itxl /0 do',
qU;JllfilKi purch.... . .... . ....... $ 905.92 ... $ 2.36098
C.ihbicJcBonusu"'''ci..rnlKi........ 5.43 ........10.21
Coshbic:Jc Bo"u..nn;,.r..,y ci,'. Juno 10
Account Summary prevlous".I'n".......... . $ 1.693.70
accounlnumb., 6011002436501530 payment' and 'fedils , . ...,...... .. - 929.61 -
c,ecllIl,mll $ 6.200.00 purchasw and mi:scc1/Jnl.~US chiUfjflS ,... ..+ 905 92
crlllll a'all.bl. $ 4.306.00 ash advances. . ' . . . 0.00
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FINANCE CHARGES ..,,,.... ........ + 2361
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:;CP'T. 12 lIED & BRKFST AIlVENTURE...,......."..."......."."""..."...".""...".".."". $ '428,40
TEMI'ORARY CREDIT PENDING INVESTIGATION
REFUND OF FINANCECHARGE,...,."""...."......""......".."""""...""."""..,. .1.21
PAYMENT. THANK YOU. . . ,,,.,,....,,.,,.,,,,... .............."...""."........."".... .500.00
ro .vold .ddition.1 finance c/lo,gOl. ~y your enti,. new
oo/.nc. by No,ember 4. /996.
SEPT. 12
SEPT. 26
pure;. 'S'I
SEPT 20
BED & BRKFST ADVENTURE...........,.".,.,.. ... ..."............ ."..",.. ..,... '''''''' $ 428.40
REVERSAL OF TEMPORARY CREDIT
RED L08STER 00001958 MECHANICS8URG PA............"..... .......",."................. 71.61
KMART9123ENClAPA. ....... "".,,"....... "......... . .."...".. ...... .......123.92
KMART9123 ENOLA PA.....".",. "...""....... .."........,....,,,..,,..,......,..,.....61.02
KMART9123 ENOLA PA . . . . . .. . . . .. . . " . " . . . . . . . . . " " . . , . . . . . , . . . . . .. . . " . . . . . . . . . . . . . , . . ., 96.59
KMART4275 MECHANICS8URG PA . . .. " .. . " . . . . . .. . , . .. " . . . . . " . . . .. . , . " . . . . " . . . " " . . . ... 52.25
WALMART STORE 001886 MECHANICSBURG PA . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . , . 72.13
SEPT 29
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USE WHEREr.idIr
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Item Approlumlle P.ld by Mark P.ld by Jeanna P.1d by oIh... ~ , Origin
orlgln.1 I Code
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Bookah.lvo. (FR) Unknown coal 100 0 100 0 3
Book.h.l_ (IKEA) 200 0 200 0 5
Chairs (FR) Unknown eo&t 1001 0 lOO! 0 3
Chalrs,recllner (2) 1000, ~I 1000' 0 5
China cupboard Unknown COlt 100i 1001 0 3
Chipper/Shredder 500: 500, 0 0 1
Composte,. (3) :1 2001 0 0 1
Comer Cui>b<>8rd (Kitchen) 2~1 0 0 5
Curtoins 1 10001 1000 0 5
Dresser. Anllque Unknown c06t 100 0' 100 0 5
, ,
Dresser Ethan Allen Unknown coat 100 0, 100 0 5
Dryer r 250 250: 01 0 5
End tables (2) Unknown eoat 100 01 I~I 0 3
Entertainment Center 1100 11001 0 5
Grandfather ckxk 750 7501 01 0 5
Jewelry case :j()() 3001 0 0 1
King .l2s bod 2000 20001 0 0 5
linens I , li
600 0 600 5
MIMer, E~trlc Unknown ~I 100 01 100 0 3
Plant stand (from LR) 40 401 0 0 5
RoIoT1l1er I . 600' ~I 200 4lio 2
Shslv",Ulllrly (IKEA) 500 0 ~O 5
Sofa tsble I 500 500 0 0 5
Table, Anllque Unkr:aown cost 100 01 100 0 5
TV (19") I I 400 400, 0 0 5
TV (Big Screen) I~I 1200 0 0 5
TV stand I 35 ~I 0 5
VCR cabinets (2) I 1501 150 0 5
VCR'a (2) I 750 7501 0 5
I 600! 6001
Video Camera I Unknown co.1 OJ 0 5
Video tapes (IC) 4001 200 200 0 5
Wdsher I 3501 3501 01 0 5
Wine , 300' 300' 01 0 5
Wine rocks (2) 1~1 1901 ~1 0 5
Wine tablel 301 0 5
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4 Rrough' Inlo mllrrulge by Mark
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.1 lIullll II} "".../oJ,. '.1 IIII...IIJ,. "! 11,~jlll'.........
VAN KAMI'I:N AMfl\lCAN ('^I'I~ "
~/ JUt I ~~l
..~ ....._.w.a._ _..-...~'.,~~
ACCOUNT NO.
5802306237
"f) 1l.JI -,/oJ I/<J ^,lttl,JI l.lO .lIll fl-ll.'/ tllllJ
MARK A ANDERSON
JEANNE 0 ANDERSON
/109 ACRI RD
MECHANICSBURG PA
JT WROS
17055-2231
TAX 'D. OR SOC. S'C. NO. 211-36-6669
REP.
VAN KAMPEN AMERICAN CAPITAL
SELLING FIRM
ADDRESS
REGISTERED REP
PENNSYLVANIA TAX FREE INCOME FUND - A
',"11'","'""1,1"1,1,"1,',,1,1,,",,"11",,,',',,,1,1,1
36- 3495811
YRANSACTION TOTAL
RE WNEO
BEGINNING BALANCE ~.8a6 428.68~
2/21 2/2~ INCOME RE f N~EST 16~:~6 1 :~Z t~tg6~
t UIT SERI ES 142 INTEREST 1 .2 4
/2 ~~~~ INCOME RE I N~EST 16r 6 1 .22 fJH ' rll'
/2 lilT SERI ES 142 INTEREST 1 .2
4~~g 4/~ INCOME REIN~EST 16 :~6 1 .0 tl T~
l~ql UIT SERI ES 142 INTEREST 1 :6~
l~~1 INCOME RE I N~EST 16~:f2 1 ~:6~a 4 . 25
UIT SERIES 142 INTEREST 1 . I~ t~: f
/2g /2g INCOME REIN~EST 1 .0 , ~. 2
r21 r21 UIT SERIES 142 INTEREST 16~. 0 1 :ri '6 4 It'
~~ ~~ INCOME REIN~EST 1 ~: 6~
UIT SERf ES 142 INTEREST 16f66 1 : rl ~:~~~ 4 ~.z l
/~O /~O INCOME REIN~EST l~ J2 1
~~36 ~~36 UIT SERI ES 142 INTEREST 1 .40 t :H
INCOME RE INVEST 1 .29 2.0 Ii
f1t.f51. '?2-
AMERICAN CAPITAL I~ NOW LISTED ON AMERICA ONLINE \AOL). THROUGH AOL YOU
HAVE IMMEDIATE ACCESS TO ACCOUNT INFORMATION. YOU CAN FIND US IN THE MUTUAL FUND
CENTER OR BY USING THE KEYWORD 'VKAC' OR 'VAN KAMPEN'.
Z4HOUASADAY
ACCOUNT INFOIUIA TlON
800-847-2424
GEIERALINFORIIATlON
7 All - 7PlA liON THRU fRI
800-341-2911
tELEPHONE Olo'VICE
fOR 7HE DEAf
800-772-8889
ACCOUNT SUMMARY
IHAIlI. YOU NOW OWN
YOUR DISTRIBUTION OPTION IS:
INCOMe: DIVtO!HDS CAPITAL QAINS
TOTAL DIVIDlNDS AND
OTH!R OIlTJIU8UTION
304.55
IN ClATlrlCA 1"1
'ORM
+
NON ~'CATI
.
TOTAL IKARU
OWNrD
RE INVEST
REINVEST
LONG TtRM CAPITAL
("""INS DISTRIBUTION
ADDING TO YOUR ACCOUNT IS EASY
SIMPLY MAKE YOUR CHECK PAYABLE TO THE FUND AND
MAIL IT WITH THE STUB TO THE ADDRESS INDICATED BELOW.
PLEASE INCLUDE YOUR ACCOUNT NUMBER ON THE CHECK
FUND NO.
ACCOUNT NO.
CHK OGT
8
.
$
58 5802306237
REP.
PENNSYLVANIA TAX FREE INCOME FUND - A
/lARK A ANDERSON
JEANNE 0 ANOERSON JT WROS
809 ACRI RD
MECHANICSBURG PA 17055-2231
VAX '0. OR SOC. SEC. NO. 211-36-6889
ACCESS f NC
P.O. BOX 419319
KANSAS C!TY 110
64173-0282
LIST HECl<S IIClIVIDUAU Y BElOW.
TOTAlAlotOU,"IIUST BE AT LEAST S25.00
I - 8'0{) ,};II - 7 (P0 8
TOT AlAllOUHT
O TO MAKE CHANGES OR CORRECTIONS
PLEASE CHECK THISBm ANa COMPLETE THE REVERSE SIDE.
DIALIIlI IN'OIllMATION
1386 PENDING
lUll
PLEASE NOTE THA T SHARE PURCHASES
MADE 8Y CHECK IIA Y NOTSE
REDEEMED FOR 15 CALENDAR DA YS.
IIII~ fill ~m ~II ~III "111m
{} 0000 92090210 05/102306237/1 0000058
11\ '''''It. lilt'] l'I..../j01 'JI'J
@
Mellon Bd. ~
PERSONAL BANKING STATEMENT
JEANNE 0 ANDERSON
MARl< A ANDERSON
(I'>
01295
542-000-4107
PAGE 2 OF 4
PERSONAL CHECKING ACCOUNT 342-000-4107 (continued)
'A'CCOUN"T' Ac-tiviTYu+ - _~~_'.'h___._._._~~_________________ __'__H.._
DATE
POSTED
DESCRIPTION
0'/30/'. MIse AUTOMATED CRED COMPUTER AID IHe
1232180878PAVROLL 15.3
0'/28 MELLON ATH HITHORANAL 10033..
HILLS PLAZA CAMP HILL PA
CHECK I 1818
CHECK I 181'
CHECK I 1823 .
CHECK I 1825 .
- .-._._---~...__.__.,._.._----,-_._------ --... - -...---_._-
DEPOSITS CHECKS
AND OTHER AND OTHE R
ADDITIONS HITHDRAHAJ.:L..
1,417.8'
60.00
21.'8
100.00
500.00
12.14
2.450.00
50.00
42.30
50.00
428.00
70.00
74."
110.77
2.650.00
50.00
40.00
167,00
200.00
2.000.00
500.00
500.00
15.21
125.00
15.00
145.00
.00*
10/01/.. 0'/30 MELLON ATH TRANSFER FROM CHECKINGI008268
PENNSBORO 8R106.1043 CAMP HILL PA
0'/30 MELLON ATM NITMORAHAL 1008267
PENNS80RO BR10..1043 CAMP HILL PA
MISC AUTOMATED DEBIT
STATE FARM RO 13 1370533100lNSURAHeE
31.0042191213 .
10/02/'6 10/02 MELLON ATM HITHORAHAL 1008487
PENNS80RO 8R10.'1043 CAMP HILL PA
CHECK' 1822
CHECK' 1824
10/03/96 CHECK I 1828
10/04/'. 10/04 MAC POS PURCHASE 1007150
652C CARLISLE PIKl MECHANICSBUR PA
CHECK I 1831 .
10/07/.. 10/0. MELLON ATH HITHDRAHAL '0024.3
HAMPDEN CAMP ItILL PA
10/0. MELLON ATM HITHDRANAL .00510.
HILLS PLAZA CAMP HILL PA
PAYMENT TO PERSONAL CREDIT LINE
'O{f0046~32'
CHECK' 182. .
10/08/'. DEPOSIT
REF 10000000222...72
10/0.1.. 10/08 MELLON ATH HITHORAHAL .009437
PE_80RO 8R10..1043 CAMP ItILL PA
10/10/" 10/0' MELLON ATH NITHORANAL '00.584
PENNS80RO 8R10..1043 CAMP HILL PA
10/10 MAC POS PURCHASE 1006374
32NO ST I TRINOLE CAMPHILL PA
10/11/.6 CHECK' 1833
10/15/" CHICK' 1830
CHECK . 1832
10/21/96 SIRVICI CHARGE
10/?1/.6 CLOSING BALANCE
DAti
BALANC
1,785. ,
4,143.&.
5.5'5.6;
3.520.6'
75.. 92
302. 92
2,30Z.'9Z
1,802.92
1.287.71
1.162.71
1.002.71
1.002.71
1,002.71
~
Mellon Bar~
PERSONAL BANKING STATEMENT
IJ tl.. , /J L I (N(I"
( ,-,
DIRECT INQUIRIES TU, MELLON BANK NA ,
COMMONH!AL TIt REOION
BLUE SNIElO
1800 CENTER ST
CAMP NILL PA 17011-1702
717 -975-1103
',,,111,,,111",11,,",,1111,,,1,,1,11,,,,,11,1,1,,1,1,,"1,11
JEANNE 0 ANDERSON
MAliK A ANDEMSON
PO lOX 103
CAMP HILL PA 17001-0103
01289
0134
342-000-4107
PAOE 1 OF 3
S r A TEMtNT
FROM 10/22/96 THHU 11/Z0/9~
OUR DIlPOSIT eLIP HAS A NEil LOOK! AND THAT HIANS Bt:TTlR SERVICE FOR
YOU. IT'I IlABIER TO FILL OUT AND SAVES YOU TINE WHIN YOU ARIl
AEQUIlITING CABH lACK ~ROH YOUR DEPOSIT. IT HILPS UI STAY HORI
IlFFICIINT. TOO. IT'I JUST ON! HORI WAY WI CAN PROVIOE QUICKER $ERVICI.
REl.ATIONSHIP SUMMARY
DlPOSJf lCCOUNrs
IIIEUONAl &::H(CX~
TOTAl
BAlANcr
0.00
0.00
LOAH ACCOUNT~
OUTSr~NOItx;.
PERSONAL CHECKING ACCOUNT 342-000-4107
ACCOUNTSUMMARY."':::"';: .'.-,..
~..._--_.. ..-.-.... .--....
OPENING ~ALANtE AS 0' 10/12/9.
TOTAL DEPOSITS AND OTHER ADDITIONS INCLUOING INTEREST CRIOITEO THIS PERioD
TOTAL CH'C:K!t jND DTHIA WtTHDAAlotAL!. INclUDING 'I:I:B AND CHA,IIGIES THIS '.AIoa
CLOSING tAWCI AS 0' 11/20/"
.....~~.::..._t
:~:-:-:---' .-!,'~:;.:-
'..
. ., ,
....'-..,---
1.002.71
"78.86
-1.'81.57
.00
AVIRAGE ACCOUNT BALANCE
IACco(iiir -AcTivIW ,. . ".. '--' .
.__....,~--...__.. -
402.09
. .
.'.'"\ ''7";----
. .
--..-...-
. .
_...~......~_..:..:.:.....:-_..
DATI
POST!D DISCAIPTJDN
le/22/" OPINJN8 BALANCE
OEPO$lTS
AND OTHER
ADDITIONS
10/2./9. 10/17 HAC ,OS ~~CHA9! .008152
SIND ST I TRJNDLE CAKPHILL PA
10/JO/" CHIC~ 1 lII~ .
11/04/" 1110J MELLON ATH HJTHORAHAl 10071.5
HAMPolN CAMP HILL PA
11/0B/9. PAYHENT TO PIRSDNAL CRIOIT LINI
1040046.' n
CHICK 1 lIU .
11/07/96 PIRSONAL CRIOIT LINE ADVANCE
CHICK . 1136 .
67'.'6
CHEC1!S
~NO OTHER O~IL Y
MrTHD.'tuL~ BALANr..L
1.002.7J
117. B1 las.20
I. US. 74 7~9JtCa
DO.oo n'.4.
no.OO
I~".~ '4..1
"9.J"
r)[lllll
PENNSYLVANIA
~ATE ElwIPLOYEES
CREDIT UNION
~'N OFFICE:
1 CHEDIT UNION PlA([
HA~~ISUU"G. PA 11110' mo
MAILING ADDRESS:
PO BOX 6101]
HA~~ISOU~G. PA 11106 '101]
1".111,1..11",1.1..,1,1,..,11,1,1,..1,1"1,111".1,1,,1,,,II
JEANNE 0 ANDERSON
103 E STRAWBERR~ ALLE~
SHIREKANSTQWN PA 17011
nutUALllOl'l IlJn:l,."T1Vi.
Ol<f. OArl!
DESCRIPTION
.
1001
0930
1031
1031
1001
1024
.4
lU31
1031
S 1 - REGULAR SHARES
PREVIOUS BALANCE
. INITIAL SHARE DEPosrT
DIVIDEND
DIVIDEND RATE: 3.25 \
ANNUAL PERCENTAGE RATE ~IELD: 3.30 \
ANNUAL PERCENTAGE ~IELD EARNED: 2.38 \
NEW BALANCE
IS 4 - KONE~HANDLER
PREVIOUS BALANCE
MAC DEPOSIT
NI2TH Sf 6 RT t 161 'LlMorHf PA
CHECK 0102
OrVIOEND
DIVIDEND RATE: 2.00 \
ANNUAL PERCENTAGE RATE YIELD: 2.02 \
ANN AL PERCENTAGE ~IELD EARNED: 2.02 \
NEW BALANCE
/ CHECK I NG
TR17595102
----------------------------- CHECKS
0102
-------------------------------------
1( ~. h
PAY OFF T~OSE HlaH
INTEREST HOLIDAY CHARGES
WITH PSECU'S VISA
CONVEHIENCE CHBCKS.
JOINT OWNERS
I ACCOUNTNUMBEI
01873S355
'socrAL Sf.CURITV
lS7-3S-35~
STATEMENT PERIO
From To
100196110319
CHRIHINE M MA,KwHl
AMOUNT
FINANCE
CHARGE
BALANCE
fiNES
~oo
01
;
10
10C ~o
50
,
I
I
10
;0
IS 5~6
17 0 6'
17 0 4.
185469
-14EOO
75
l , 17
AID --- -- ---- ----- -J-----
_________l___ _______ ____.
I
o 4"
roT~~:To_DATE ---r---.-------r-r<m:L FINANCE CHARiiE-~R:TO:DATE
lor ,II 1I1I1nO' UC'IJI IRA ! 000000.16 I lor ,II IIJ.ns.
Olvltlends Shnwn, If $ 10 or Ilver, will
b. reponed 10 lne Itllerl'l.l R''Ienl.l.
')ervlce hu 'PlI' C.1II'!r1rlJrll'!ar
NOTICE:
'itt rt~~r ~~ ',Ide fer ""porlJnl "dorm.lllon
'INDICATES EFFECTIVE DATE
_..L__
0.00
,) J ~ 1 ~ II
,~
,-..
Theresa Barrett Malc, Esquire
Page Two
April 22, 1997
1m
On or about lle~ember 4, 1992. Jetll1l1e had now become re-employed, shc Wa~i looking
around Ic.lr better intert'st rates and what she and Mark decided to do was to retinance the principal
mortgage on Ihe house Ihruugh the PNC Bank Jemllle wiled over the oUlstanding balance on the
Mellon credilline in Ihat principalmortgagc retinance The tolal amount borrowed was slightly in
excess of $1 04,000 00. including both the Mellon and the prior mortgage balance The arrangement
between the parties, according to my client. was that she would continue to pay $200 UO a month
towards thl1monthly mOltgage payment since that IVas what she had been paying on the Mellon loan
Murk was to add that to the regular monthly payment orthe mortgage so that the parties would have
a $200.00 a month principal reduction on the mortgage balance Jeanne tells me that that is not what
Mark did and that whal he did was reduce his monthly payment by the $200.00 to cover the required
mortgage payment.
1994
At the end of 1994. Jeanne discovered that Mal k had accumulated substantial credit card
balances accumulated and she was concerned about the high interest rates that were being paid on
those balances The parties were able to obtain a credit line through Core States Bank with a
$25,000.00 credit limit I have attached a copy of the statement of December 20. 1994, which shows
thai this credit line was used to pay ofl'balances that had been accumulated by the parties. Jeanne
indicates that the Discover Card was paid oft' by this, which was a card that she used, but that the
other remaining cards were primarily Mark's cards. Mark uses his cards on a routine basis for regular
transactions and never really carried any cash. As evidenced by this December 1994 statement, the
parties paid otTa total balance 01'$23,506.00
April 1995
Jeanne and Mark continued to have an interest in minimizing their payments and discovered
that Americhoiee which is the IBM Federal Credit Union would ofter them a credit line secured by
the marital residence in the amount of $40,000.00. The $40,000 00 credit line was obtained in April
or MayoI' 1995 and at that point, the Core States account referenced above was paid oft'in total.
Additionally, they paid otTan MBNA credit card with a $3,400 00 balance that had heen Mark's and
a $9.92200 personal line credil balance which had accumulated on the Mellon account. I have a
statement from the Americhoice account which shows the charges made and the payments received
from July of 1995 through March of 1997. As you can see the parties did not use the credit line until
April 15, 1996, when they drew out $3,34600 to pay their joint federal income tax. Additionally,
there was a draw in July uf IlJ9/i when they had a plumbing repair that was necessitated at the house
and Mark drew $27500 to cuver thaI expense Prior to the time that Jeanne separated Irom Mark
,,",,,,
r-.
Theresa Darrell Male, Esquire
Page Three
April 22, 1997
they were splilling this payment in the amount of $400.00 each. The records show that they were
making $800.00 payments which WU.5 more Ihanthe required amount. Since separation I agree that
Jeanne has not made any payments but your client has continued to make payments in excess of the
minimum amount which is 2% of the outstanding balance. All of the documents that verity these
transactions are enclosed with this letter for your revicw. It is my legal position that these are clearly
joint marital debts.
Since separation Jcanne has also covcred paymcnts on a variety of joint accounts They
include the tollowing
I. Discovcr - at scpar<llionthis had a balancc or $1.89400 It currently has a balance of
approximately $1,400.00. Jeannc has used that lor some of her relocating expenses and other things
that she has needed on an on-going basis but she has made signilicant payments since the time that
she separated from Mark.
2. There is a student loan through the Student Loan Servicing Center that was used to
pay Christie's semester at Temple. Originaily the loan balance was $4,000.00. Jeanne continues to
pay $100.00 a month on that balance and the current balance due is $1,394.91. Although her name
appears on the cenificate of payment, a copy of which is enclosed, Jeanne is under the impression that
Mark co-signed on this loan as well
3. The 1993 Dodge Grand Caravan was the tillllily car lor the parties prior to separation.
It is a lease thaI will be up in September of 1998. Jeanne makes the lease payment of $428.00 to
maintain that vehicle. She indicates to me that Mark leased a Mitsubishi sports car just prior to the
time they separated but thaI that is not a joint obligation and that he did that solely on his own.
4. The Mellon credit line again which is a joinl obligation, had a separation balance of
approximately $7,000.00. Since separation it has gone up to about $9,000.00 and Jeanne has
maintained the regular monthly payments on that.
My position on this issue would be that there are signilicant obligations that Jeanne is meeting
on behalf of the family in addition to the tact that the obligations that are listed on that credit line are
joint obligations
When [ filed this divorce I Ii led a very simple no 1:1ult divorce in the hopes that we would be
able to resolve this malleI' casily and with little acrimony. Since Mark is seeking to get support thllll
Jeanne to help pay these bills it secms essential 10 me that Jeanne seek the suppon do her under the
law under the claim of alimony pendcnte lite I am liling thc pleading raising the grounds of alimony,
alimony pendente lite, counsel lees and costs and I am going to seck reimburscment lor those
amounts at this time
,'"""
"....,
April 1885
. 'Io"y Ibcl.r joiDII\:dc.... illllOlllC tax', The reason llW ~Ir W1IS .lIeh a la/gc ICdc....1JJC01IIll
II. 10 be paid was """"use: in 1994, rJJc failed 10 maIu: be. qllltlCrly pII)'I1leIll6 and lbcy bad
10 be Jl\lIdc up wh... "",Wed w' 1994 return. T1",rnforc, the bulk oflhlJ debI WlIl hen, She
IIId only paid 1 quancr In 1994.
. 'Iboy WIlI1IlIl'hlli"8lhi5 JIlIYIIIent '" lbo:: 1IlI10l111l of $400 oocl\'. In Olllcn.,nII, I.hudmlll
IhaIIbc OMS 50% or this dcbI'/
. 'your c:UeDl baa wnllnuallO mall: paymen15 iD ""CI.U ofLbc: m\J1imum &mOUDI', oFWune.
I om Uylng 10 I'roIect my rndit I1Illnc.
. 'II is my 1eJlllI pooiti,," IhaIIbcse arc owly joinl marI..1 debls', In ot.bc:r wvnla, her 1a~
aaroea also thai she U\tU on .""'" ddlls'/
Slncti separatIOn
. 1. 'she""" nwIc sillJllflcanl payments 51""" t!l< liwe Ihallhc scparntc:d!rom Malk', 'The
bulk oflbese (90/9S%) were solely hers.
. 2, 'Jeanne is under the Impl'CSlioo that Marl< c.o-5ipal on lhls loan.. well', I don'l
lelllllmbcr lOr suro, bulthal is ptdJobly IIue sino: she had no acdil Illtl"8 10 qualify hcrsclf.
. 3, 'She iadicales to me: IhaI Mark 1t;l1lCd a MllSubia/li l(lOlI5 c:ar jull prior 10 Ibe "me they
separated bulllIl! thai II Q(l( a joinl obIlgahon and thai he did llW IOlcly on his owrt. TIus
c:ar """,Ic:aocd in July 1995, 15 "",ow befol., .he moved out, ThIs was done: becaulle I1I'Y
pmious lease had expired.
. 4_ Wbatls R seporaliOll baIaDco'/ ThIS was her c;t01illloe, I De\'tt used ii, II has SOoe: up 10
IIlloIll $?OOO because 5hc .MIl illu nMIWC her """". So, OIIOC again, lhat is her C!lpCIlIe,
. 'My position on this i!ouc: 1l'OIIId be lhat \be", an: signIIIc;anl obllgatlOl1ll1w Jc:anne is
meeting on bebatf oUbe family', Mati,'. pofilhon on this iauc WOlIld be thai I have always
met V8511y more obligations on bebalf of the family thai !\he did.
Conclllsion
. 'What 1 filed 1Iu. divonx: I filed . v<:zy limp\<: no fault dtvotce In the hOpeS IhBI "" would be
able 10 resolve this ma\tCt easily and Mlh liltle acrimony', Why islhlJ Ihe first tlllll.... have
bcanI of IIris dad",? How can she 5IIJ lbill tIu:rc: II tinle acrimony when &be has t'ClIllMld
maril1ll property wilhout mnIuol consent and has left me with R JI"'lI amounl of debl thai I
dldl\Ql inatr 011 my (MtI behalf or for any mutual inlcreslll?
. 'cash Jeanne OIIt ofhcr equitable sJwc' II is my opinioolhal her eqoilable sharc Is negaiM:.
. 'make RUlI'r;cIllCftlS 10 deat with lhe p~ Incident 10 the fUlllI e1io"",,, iidllcmeol', I
believe thallhe prl)OCllds ...,.,Id be .~hvc due to her debts,
. 'Ibeoe actions.... nea:ssit.alC only t!uwgh his a<:tions'. IIW'dS JC81lIIC, "'" me who II led for
divorClll, il was J<:oDDC DOl me who n:movcd w11hou11gra:tDCOl SII).15\<: worth o!'valuable
propcny wilhoul muUllll agm:mcnL il was Jeanne. DOl me who Idl. Lbc: oIber party witII at
ICMC S 600 pel /llOIlIb of debt which was I\QIlhe otIJor party's obtit,allon yd the otbat party
haa 10 pay In cmiellO prc:setVC lheil gPIlIl cu:dil ratios,
--
,.
~ROOW OW SBRVICB
I hereby certify that I am this day serving the foregoing pre-
trial statement upon the persons and in the manner indicated below
which service satisfies the requirements of Pa. R.C.P. 440:
Service by rirst-class mall addressed as rollows:
Rathleen carey Daley, Esquire
1029 Scenery Drive
Harrisburg, PA 17109
Attorney ror Plalntlrr
.J
iLkA
t .€-<--
Teresa Barrett Male, Esquire
Date: 9/ /f /97
~
Mellon Bank
PERSONAL BANKING STATEMENT
JEANNE 0 ANDERSON
MARK A ANDERSON
01295
PERSONAL CHECKING ACCOUNT 342-000-4107 (continued)
ACCOUNT ACTiVITY
DATE
posuo
DESCRIPTION
09/30/96 HISC AUTOtfATED CRED COtfPUTER AID INC
123Z180878PAYROLL 1563
D9/28 HELLON ATH HITHDRAHAL 1003366
HILLS PLAZA CAHP HILL PA
CHECK I 1818
CHECK I 1819
CHECK I 1823
CHECK I 1825
10/01/96 09/30 HELLON Ant TRANSfeR FROtf CHECKINIlI008268
PENNSBORO BRI06910~3 CAHP HILL PA
09/30 HELLON ATH HITHDRAHAL 100B267
PENNSBORO BRI0691043 CAHP HILL PA
HISC AUTOtfATED OEBIT
STATE ~ARH RQ 13 13'l0533100INSURANCE
3190042191213 ,
10/02/96 10/02 HELLON ATH HITHDRAHAL 100B487
PENNSBORO BRI0691043 CAHP HILL PA
CHECK I 1~22
CHECK I 1824
10/03/96 CHECK I IB28
10/04/96 10/04 HAC POS PURCHASE 1007150
6520 CARLISLE PIKE HECHANICSBUR PA
CHECK I 1831 .
10/07/96 10/06 HELLON ATH HITHDRAHAL 1002493
HAHPDEN CAHP HILL PA
10/06 HELLON ATH HITHDRAHAL 1005106
HILLS PLAZA CAHP HILL PA
PAYHENT TO PERSONAL CREDIT LINE
1040046-329
CHECK I 1829 ,
10/08/96 DEPOSIT
REf 1000000022246672
10/09/96 10/08 HELLON ATH HITHDRAWAL 1009437
PENNSBORO BRI0691043 CAHP HILL PA
10/10/96 10/09 HELLON ATH HITHDRAHAL 1009584
PENNS80RO 8RI0691043 CAHP HILL PA
10/10 HAC POS PURCHASE 1006574
32ND ST I TRINDLE CAHPHILL PA
10/11/9. CHICK. 1833
10/15/9. CHECK I 1830
CHECK . 1832
10/21/'6 SIRVICE CHARGf
10/21/9. CLOSING 8ALANCE
.....,)
342-000-4107
PAGE 2 OF 4
DEPOSITS CHECKS
AND OTHER AND OTHER
ADDITIONS HITHDRAHAlS
1.417,89
60,00
21,98
100,00
500,00
12,14
2.450,00
50,00
42,50
50,DO
428,00
70,00
74,98
110,77
2.610,00
50,00
4D.00
107,00
200, 00
2.000,00
500 . 00
500,00
U.21
lU,OO
15,00
145,00
.00"
1,78S.If]
4,143.fl7
3,5'5."7
3,520.69
759,92
302,92
2.302,'1Z
1.aOZ.92
1.287,71
1.102,71
1.002,71
1.w.ll-
1.002,71
Mellon Bank
PERSONAL BANKING STATEMENT
t6., t i, trl.
DIRECT INQUIRIES TO. MELLON BANK NA 4
COMMONW!ALTH REOION
BLUE SHlnD
11100 CENTER ST
CAMP HILL PA 17011-1702
711-975-7103
1."111,11111...11,'11,,1111,,.1,.1.11...,,11.1,1..1.111..1.11
JEANNE 0 ANDERSON 01289
MAIlIC A ANDERSON 0134
PO lOX 1103
CAMP HILL PA 17001-0103
342-000-'1101
PAOE I OF 3
STATEMENT
FROM 10/22/96 THRU II/Z0/96
OUR DII'OSIT S~II' HAS A NEW LOOKI AND THAT HIANS B!TTIR SERVIC! FOR
YOU. IT" !AIIIR TO FILL DUT AND SAVES YOU TIM! WHIN YOU AAI
".QUIITING CASH lACK I'ROH YOt\R DEPOSEr. IT HILI'S US STAV HORI
I';ICIINT. TOO. IT'S JUST aNI MORI HAV WI CAN PROVIDE QUICKIR 8!RVICI.
Rl!l.ATlONSHIP SUMMARY
DI'aSlT ACCOUNTS
p._&nUal CMICNtNa
TOTAL
BALANC:I
0,00
0.00
LOAH AC~puNTS
otITSTANDlt1l
PERSONAL. CHECKING ACCOUNT 342-000-4107
:rr.C-O"N. TS"uMA'RY. ..,.. ."- ...~.. . --, . - . ----. .. --". :=J
"l",1t. U ;)Un ..._' ___ _..'. _.___' ,..._' ".;,_" ..____.'
~.. ".--..", :.._~;....--.;... .....-.-., ."-.--.. - - -
OPINING IALANeI AS 0' 10/i21.6
toTAL OIPOSIT. AND OTHER ADDITIONS lNeLUDING INTERIST CREDitED THIS PERIOD
mAL CHI~K~ AND DTNlI wtTMDI"'WJ.L~ INcLUDIND '111 AND CtURliiIlS THIS P.RIDO
CLOIINII IALANeI AS 0' uno/..
AVIRAII ACCOUNT IALANeI
1~~COIT~C~~tI VI!:( ;:~...:---~~:
1.002,71
.. 711. e6
-1.611.57
,00
602,0'
~. .
~. .
-, .....--
.-....-'--.........""--..:.:...:..---....1
.....---....--
DATI
'OSTID alSCRIPTION
10/tt/'6 OPININg IALANeI
DEPOSITS
AND OTHER
ADDITIOH!I
1a/ll/ft 1a/t7 ,lAC POS PURCHASE _..1152
S2ND Sf . TA1NDLl CAHPHILL PA
10/S0/'. CHIC~ I leS6, , , , , , ,
11/0+1'. 11/0J MELLON ATM HITMDRANAL 100716S
HAMPDIN CAHP HILL 'A
11/01/.. PAYMENT TO PIAIONAL CREDIT LINI
'04004.-)29 , . , . ,
CHIC~ . 1811. . . , . ,
11/07/'6 PIASONAL CAIDIT LINE ADVANCE
CHIC~ . 1136, , , , , ,
.7.,..
CHEC~S
AND OTHER OAIL V
MITNbRANAl!. IUAtlU....
1.001.71
117, &1 lieS, 20
I, 15S,76 ,,.',1.'
310.00 3.t .4'
110,00
1"".86 64."2
.",J..
f~tl!~
PENNSYlVANIA
STATE EMPLOYEES
CREDIT UNION
STATEMENT OF ACCOUNT tli, ("f, 1.'.(
7< It. U
,
P.g.
MAIN OFFICE:
I CREDIT UNION PLACE
HARRISBURG. PA 17110,2990
NEW PHONE HOURS
7 A.M. - 9 P.M.
MONDAY - FRIDAY
9 A.H. - 5 P.M. SATURDAY
-
MAILING ADDRESS:
PO BOH7013
IIARRISBURG, PA 17106.7013
TANdA(UOH l1,rCflW
DATI "'"
..~--. _.~-.--
1101
1101
1130
DIV
ANN
ANN
1130
DESCRIPTION
AMOUNT
FINANCE
CHARGE
-"l.CeOUNrNUMBrr
h,0187383551
I .1ll:1AnleumTn~
187-38-3551
-:llill/;l[NmmOO-
From To
1101961113096
fiNES IIAlAHCE :
JOINT OWNERS
JEANNE 0 ANDERSON
103 E STRAWBERRY ALLEY
SHIREMANSTDWN PA 17011
CHAIITlNI M. MAXWILL
REGULAR SHARES - S 1
PREVIlI..lJ..S BALANCE
SST PHONE TRANSFER
DIVIDEND
DEND RATE: 3.25 %
AL PERCENTAGE RATE YIELD. 3.30 %
AL PERCENTAGE YIELD EARNED. 3.31 %
NEW BALANCE
45COO
122
501
45501
45623
45623
CHECKING - S 4
1101 PREVIOUS BALANCf.
1101 MAC DEPOSIT TR17597142 148,53
N12TH IT & RTll.15~IMOYNI PA
Dl SST PHONE TRANSFER -45COO
1104 CHECK 0106 -71!'50
I1D5 CHECK 0110 -12'28
11 06 CHECK 0103 -2'43
1106 CHECK 0114 -3\22
1106 CHECK 0104 -IOCOO
1106 CHECK 0113 -12~ 00
1106 CHECK 0109 -50C 00
11 07 CHECK 0108 -3\52
1107 CtlECK 0111 -9,26
1107 CHECK 0107 -42EOO
1112 CHECK 0112 -I~OO
1112 CHECK 0105 -5~75
1113 CHECK 0116 -9!00
1115 DIRECT DEPOSIT AC~ 148,53
1115 MAC DISBURSEMENT TRI4578381 -10COO
.INATI AVI & IR'ADCAMP "I~L PA
1118 . MAC DISBURSEMENT TR20049372 -10COO
4900 CARLI_LI PIKIMICHANICSIURGPA
1124 . MAC DISBURSEMENT TR54766218 -IOCOO
4622 CAA~IIL. ~IKIMICHANICI'UROPA
1129 . DIRECT DEPOS IT ACH 148,53
1127 CHECK 0117 -9C68
1130 DIVIDEND " 53
DIV DEND RATE. 2.00 %
..CONTINUED..
170744
318997
273997
202447
189919
187476
183554
173554
161054,
111054:
107102
977761
54976
53476
47901
38401
186654
176654
1666541
I
1566541
TOTAL DIVIDEND YEAR. TO.DATE
'or aU uvmqs Ilctpt IRA
DivIdend, s~.own if S 1 0 or II"" WIll be
reportld to m. Inflmal R....enu. S.rvln
'ot mls calendar Yllr
'INOICA res effECTIVE DA fE
.__~_. __..__1--..__....____.__._._ .___" __.._ _ __.___ 0_ ____
TOTAL FINANCE CHARGE YEAR. TO.DATE[
for .11 loans
NOTICE: SaG rllloru 5HJO for Import1nt information
100]91
PS~l.
PENNSYLVANIA
STATE ElwIPLOYEES
CREDIT UNION
STATEMENT OF ACCOUNT
Pogo
2
MAIN OFFICE:
1 CREDIT UNION PLACE
HARRISBURG. PA 11110.2990
NEW PHONE HOURS
7 A.M. -,9 P.M.
MONDAY - FRIDAY
9 A.M..'- 5 p.... SATURDAY
,\~, ,
I ~~ I ;
I ill :
.,
MAILING ADDRESS:
PO 80X 81013
HARRISBURG. PA 11108.7013
.j, '._ .'.1.
"
, i....
'ttr,',
~fI' -,
-.1;,!.,:.
~~OUNlNUMmr
JOINT OWNERS 0187383551
JEANNE 0 ANDERSON CHAUTINI M. HAXWILL sO'Cl~nrcURITY /I
187-38-3551
-nnIMlNTl'Ul1Oll
-- From ,lllO
'1' '96 '3096
r~N'''' IPI'.'''JVI DESCIUPTION AMOUNT FINANCE fiNES 1lAWlCIi'1
OAT CHARGE
'...:.. ~- ."
ANN AL PERCENTAGE RATE YIELD, 2.02 %
ANN AL PERCENTAGE YIELD EARNED: 2,02 %
1130 NEW BALANCE 2960 92
----------------------------- CHECKS PAID --- -- ----- -- >--- - ------- --
0103 0104 0105 0106 0107 0108 0109 01 10 0111 01 12 01 13 0114 **** 01 16
0117
------------------------------------- -------- -- ----- -- 1---- -- ------- --
~~--- ---.---.-.--. -- --. ______a_ .- - ----------.
TOTAL DIVIDEND YEAR.TO.DATE
for all savings ..c.pt IRA
OI~ld.nrjs ~t1own if S I 0 or over will be
reported to me lnldrnal A.v.nuI Servlcl
for !:hi, calendar ~lar
'INDICATES EFFECTIVE OATE
I 000004 5~ TOTAL FINANCE CHARGE YEAR.TD.DATE.!
. 11 I for alllaans
~-~-~--------_.._~
0.00
NOTICE: See rl\'lr'4 ,idl for important information
1002'92
'PSEl.
~, d.,
(., 't', {, <
} -(., 'I..
Pogo
I
STATEMENT OF ACCOUNT
REGULAR SHARES - S I
PREVIOUS .BAL.~
DIVIOEND
DIV DEND RATE. 3.25 %
ANN AL PERCENTAGE RATE YIELD. 3.30 %
ANN AL PERCENTAGE YIELD EARNED. 3.30 %
NEW BALANCE
MAIN OFFICE:
I CREOWUNIOi'iPLACf
HARRISBURG. PA 17110.1990
134.B484 OR
BOO.I31.732B
MAILING ADDRESS:
---ro-Bfirnon-
HARRISBURG. PA 17106.70 13
PENNSYLVANIA
STATE ElwIPLOYEES
CREDIT UNION
JEANNE 0 ANDERSON
103 E STRAWBERRY
SHIREMANSTOWN PA
ALLEY
17011
TaANlACTlOH unanw
DATI DAft
DESCRIPTION
0301
0331
0331
0301
0303
0303
I '3
J3
0303
0307
0310
0310
0312
0312
0313
I
I
0313
0314
0314
0317
0318
0319
0319
0320
O,~20
0321
0324
CHECK ING - S 4
PREVIOUS BALANCE
CHECK
CHECK
CHECK
CHECK
CHECK
MAC DISBURSEMENT
225 GRANDVIIW AVI CAMPHIL~. PA
CHECK
CHECK
CHECK
CHECK
MAC DISBURSEMENT
225 GRANDVIIW AVI CAMPtllL.L. PA
CHECK
DIRECT DEPOSIT
* MAC DISBURSEMENT
SINATI AVI . IR'RDCAMP HIL.L PA
MAC DISBURSEMENT
225 GRANDI/IEW AVI CAMPHIL.L., PA
CHECK
CHECK
CHECK
DIRECT DEBIT
PA POWIR ~ L.IQHT
CHECK
CHECK
* MAC DEPOSIT
N1ZTH ST . RT11.15LIMOVNI PA
**CONTINUED**
__. _____~__________...l__
](",
IT'S SPRING FIX-UP TIME.
CALL PSECU TODAY FOR
RATES AND INFORMATIDN
ON OUR EQUITY LDANS.
JOINT OWNERS
--AtCOUNTNUMOlR-j
0187383551)
-SoCIAl' SlWIlIT'fT i
1
187-38-35511
-srATEMrNnrRIOln
From I To i
In~, 9710311111
FINES IAlANC!
CHRIITINI M. MAXWIL.L.
AMOUNT
FINANCE
CHARGE
169
61171
61340
0186 -2100
0182 -2'32
0183 -2107
0189 -4' 01
0177 -11/18
+PA5555123 -10100
0191 -42100
0190 -71! 50
0194 -1166
0193 -10155
+PA5554865 -6000
0192 -25100
ACH 145\67
TR1457-502 -5100
+PA5552625 -10100
0197 -15100
0196 -18!50
0195 -22!37
5230959590 -4130
0198 -14!16
0199 -8641)
TR17591565 24\00
61314 0
194055
191955
189523
186716
181815
170197
160197
117397
45847
{,4681
34526
26526
3526
149493
144493
134493
119493
100943
76406
74276
59760
51120
l 76020
- __L
TOTAL DIVIDEND YEAR. TD.DATE
for all u'iing' uce"t IRA
Oj~!dllnd\ shown. it '1 0 or over will be
reporuu1 to the l,,[.maj R.v,nuI Service
for tN, calendar vear
T--~-----.---r
. .~ . I
--TOTALFINAP.ICE CHARGE YEAR--To~oA1E[ ..._-
for 311 103ns
.INDICATES EFFECTIVE DATE
NOTICE: See ..g....r'e Side for important information
1 ('0 t 1 ... ~
'PSEltl
STATEMENT OF ACCOUNT
P"Il1
2
PENNSYLVANIA
STATE EMPLOYEES
CREDIT UNION
MAIN OFFICE:
I CifEOinJ~loNPlAcE
HARRISBURG. PA 17110.2990
234. B4 84 on
800.237.7328
MAILING ADDR"SS:
JIlfBoD1ol'r.-
HARRIS8URG. PA 11109.7013
IT'S SPRING FIX-UP TIME,
CALL PSECU TODAV FOR
RATES AND INFORMATION
ON OUR EQUITV LOANS.
JOINT OWNERS
JEANNE 0 ANDERSON
CHf;"IITINI M. MAXWIL.L.
,~'''' rn:.w....
0325
0327
0331
0351
0331
DIV
ANN
ANN
0331
llfSCRIPTIOH
AMOUNT
FINANCE
CHAIlGE
FINES
8AWICE
CHECK
CHECK
OIR!:CT DEPOSIT
DIRECT DEBIT
0200
0201
ACH
1370533100
-22
-9
146
-4
STAT. ~.RM COl.
DIVIDEND
DEND RATE. 2.00 %
AL PERCENTAGE RATE VIELD, 2.02 %
AL PERCENTAGE YIELD EARNED. 2,02 %
NEW BALANCE
176
----------------------------- CHECKS PAID -- --------- - ---------
0177 **** 0182 0183 **** 0186 **** 0189 0190 0191 0192 01 3
0196 0197 0198 0199 0200 0201
-------------------------------------------- ---------
TAX Y AR 19 6. REPDRTED DIVIDENDS
8.68
TOTAL FINA CE CHARGE
0,00
TOTAL DivIDEND YEAR.TO.OATE.------r-----.....-..1-O--.5--2.. -,.... --TOTAL FINANCE CHARGE YEAR. TO.OATEr
for ~n uYlng, IICe.pt IRA . lor 31110a"\
Olvldend\ ,hown if'! 0 or ovor writ ~o
reporTed 10 ltlt Int.mal R,...nu. StMel
for ltW\ ~Jlendar vtolf NOTICE: 5110 flJVOr" 'IUO for Import~nl Informadon
'INDICATES EFFECTIVE DArE
0.00
1 0 1166
~RICl<Clt( rtV
~((OU't 0:
:~7&" ~Rl( A MC(RSQU
TV"
oeo r aH(\.O('
Annu.t P.~(~t~. Ret.,
y..~.to.O.t. Int.~.,t PI\d
Stet....,; HIOZ(N
1,00(1 II Out.~ Fl,,.\o(hc Rite:
I)Z~.l!l
PlyMf'\t Int,..,V'"
O.t. T,.W'\,~hOfl Typ4
3/0t/~7 A e.gl~\f'\Q O.lW'\(' .
3/\,/0" O/t HC\.OC PA'(>1(NT
3/~1/q7 .. End\nG a.t.nc. a.
r,.""r,,, Acct O\tb'J,....N"t
u~.n
~50.00
.......uuu........u ACCQI,.tiT 8ALlViCES AS ry 1.2/H/97 a.."'.""'"''''''
.."UUU IRS 10" Itf"QAPiATIctl AH> OIV10fJ() PAID t)y C.U. IN U97 "UU"A
. 10TAL A>1Cl'JlT r:F ReCU,AII TAXABle OIVIOO<<lS PAlO ,01)
Jf., '-t-
PAce .
,
.0002\15 .
P"V'I(\P,t hlW'\Ct
30,979.70
'~6,61 30,~13,03
30, 13,03
-,CClvr-
"" . "" " ..
/f.,.rL
account number
-r
m.w balance
paymf!nt due uatt1
minimum paY!!1ent clue
amount ene/o5ed
1",111",111,..11"""1111",1"1,11"".11,11,,,,,11.1".11
MARK 4 ANOERSDN
JEANNE 0 ANDERSON
PO BOX B03
CAMP HILL PA 17001-0803
6011002436601630
$1,399,12
May 6, 1997
$ 0.00
$&U -
PItA.. ,"II~' C"fCt p"....~I. fG D!fCo~" (~'<1
r~f1 p.l)lm.nt "IJ~' ~Q'I ",.ntly IM,'I TrUll t",,~ Ill.
mill/mum
GREENWDOO TRUST CDMPANV
PO BOX 6012
DOVER DE 19903-6012
1",111,1"1,1,.11"",11"11"11,,,,,,1',,1,1,,,11,,1,1,11,,1
Cash back Bonus<m 1M. period
qualified purcha... . $ 0.00
Calhback BrJnu3 award earned, 0,00
C.,hbackHonus annlvemry date: June 10
Only two months betore your anniversary n VIe your Oisc(jver
Card,o earn a hi'lherCashbacJr. Bonus(R) award
previous balance.
paymenl$ iJnd credits .
purchases and fTll."eflaneous charges ,
cash ad'l3nC!S . , .
balance 'ramfs" .
FINANCE CHARGES
ntlW ballnc. .
AtJrJflH or I,lflPllufI' C,'J~q" PI.au pflnr ch.ngll m Ifl, JbO\lllpace
000006011002436501530013981200100000000000
,cevE'
... . " , ..
Closing Date: April 10, 1997
Account Summary
account number 6011002436501530
credit limit $ 8.000.00
credit "allable $ 6,601.00
+
.". +
.",.,.".,..,.. +
page 1 011
to dal!
$304415
15.44
$ 1.476.83
10000
0.00
000
000
2119
= $l,381.1Z
."
To avoid add/fiona/linance charge" pay your entire new
bal,nce by May 5, 1997.
f~ )'1 ~-h'l
Trannctlons
payments and credits
APR. 3 PAYMENT. THANK YOU. .
0$ .9.1G
'~I ' /
00,
Congratulations. Your fine of credit has been increased. Your fleW line of credit Jnd available credit are ,hown above,
$ .10000
Sign up for PfanPlus(R) today! Your membership will enti/le you to Instant PlanPluJ discour.ts on iJ variety of health care needs.
PlanPlus " a smart choics for value, quality .nd service. For detail. on Ihislpecial offer, pl...s cal/l-BOO-521-52 "
OUI.tlen" Call1.IOO.DISCOVIR (1-'00.3.7.2"3). For TOO (TlIllIcommlJnlcallon DlJ\lICII 'or the Deal) aUI!!ance !ell flNIfUt "de
Snnd bllhno drror "Ollce to DI,cQ'.er C~rlj PO BOA 151 n Wilmington OE '1886-'020
current blllinl} peflod
cash balance otd
purchases Javaness lransfsrs balances
avrlf..g, daily balancss $1.461 44 SO SO 10
daily pffrlodic ratss 046iJ9l!:" 05425".'" NIA .05425".0
days in billing pffriod 11 11 11 ]1
poriodic FINANCE CHARGES S21 20 SO SO 10
transaclion I.e FINANCE CHARGES none SO none nOl18
ANNUAL PERCENTAOE RATES 17 15"', 1980', NfA 1980''',
purchases
SO
04699",
28
SO
none
1715",
prf1VIOUS billing pef!orJ
'=,l1h
adv.InCfH
SO
05425" ,
28
SO
USE W. If ERE r.Iidll
tfX! SEE ~
JI)/J?8? ,p
nOM
19 qO'
bJ/anr:e
Iranjfers
SO
NIA
28
SII
none
N.A
NNIJAL OLley TATEMENT .
,
Nl'o'ICfoG OffICI
JOHN HANCOCK MUTUAL LIFE
160 N POINTE BL VO
STE 207
LANCASTER PA 17601
IltffllENTAtM
062293
l'OUCy,..,.....
06649~OB7
(10 )
u'/
~'O"11
02/01/95
.......0
MARK A ANDERSON
0__
MARK A ANDERSON
1",111".111,."1.1"1.1,,,1.1.,1,1.,11,,.,1111.,,1,1",1,1,1
MARK A ANDERSON
B09 ACRI DRIVE
MECHANICSBURG PA 17055-2231
0"",,*11 soc~ \lCuAtn. ,..... 10 NO
211-36-B889
FOR ADDITIONAL INFORMATION. PLEASE CALL
717.560.6768
DEAnt BENEFITS
Your Policy Would Pay The Following In The Event 01 The InslJred's Death
Base Polley Face Amount
'''' POld-Up Insurance
D'''' Yearly Renewable Term Rider
$50,000,00
1,85q,06
Q8,600,OO
Total Death 8enellt AI Of 02/01/95 '100,'111'1,06
t In The event 01 the death 01 JE.ANNE 0 ANDERSON. $47,15000 would be paid through
the Spouse Rider.
. The death benetlt 15 one 01 your pollq's key components It your financial picture has changed In any
way, contact your representative to update your coveroge
POLlCV VALUES .
Bose Polley Value
"" Value 01 Paid-Up Insurance
$2,908,50
55Q,20
Total Policy Value AI Of 02/01/95 t3,'IU,70
. By keeping this policy In lorce. on your anniversary In Policy Year 10 your pollq will hove 0 guaronteed
Bose Policy Value at $6.98900 and your dividends will have purchased Paid-Up Additional
Insurance with 0 value 01 $3,364 6B At age 65. your guaronteed Bose Policy Value at the poliCY
anniversary will be $19.65750 and your dividends Will have purchased Paid-Up Additional
Insurance with 0 value at $22,50435
POLICY NOTES ,
rv'i 0' I"lAA
limited Payment Whole Lite
O'liIRIIIOUS
Disability Waiver or Premium
CullQfNT lOolJ'4 INTlAnr ""'11
850%
POllCV I$'UI DAft
02/01/90
eVlllllNT ONiOH.D "MOV.I
$24329
"")(TPIU~OtJI
02/01/95
OMOfND opnON
V.&J.lJU QUOflO .., o~ lJ'l. 01'1$
PllfMll,lM
$1.58761/Annual
Purchase Paid-Up
Additional Insurance
I
\.
. Prolectlons ore based on current dividend scoles, dividend opllon, and Interest Declining
Investment eamlngs have reduced cUlTent and projected dividends Ihese changes affect policy
values and In some Instances result In increased or addlllonalluture premiums
. Thank you fal trusting John Hancock to help you meet YOUI tlnanclal goals We rake p~de In providing
financial quality and secu~ty to our policy holden, and we look forward to serving you lor years 10 come
.'....Pl. -; :"11. ,,< ',~, '''',1' "" .".[. ,,\, I' :" 'I" "111 ~': 'j; .,. , , ,~I,'.",';'''-'~Il, .1',1 ,\ '.'f ',.,~ """ ,', " ""- I j~, I' "".j "'11",1" ~", ".\.' ". ':. , 'I ',,",', ",....
c ,~'.I",".. ,,,,..., ,j'_~L '.' .l,,_' ,,'I: l I:, ~'., ",';I'~',l.~_", ~',L ..t,',t,,~, I'''....''... ,.....".".' .1l1,.'E'~ '''1: " ",,,,~,. ~', ~,.t ',i '''I'' , " ,'~ ,",h-','
.,
, .. . (3:J
TABlE OF YEARLY RENEWABlE DECREASING TERM BENEFIT PREMIUMS
- COVERAGE ON INSl.'IED'S SPOUSE. JEANNE 0 ANDERSON -
POLICY NUMBER 66495087
GUARANTEED MAXIMUM GUARANTEED MAXIMUM
!!jNEWAL PREMI~MS ~WAL PREMIUMS
SPOUSE TERM TERM I S SPOUSE TERM TERM INS
ASii ~ANCE PREMIUM ~ DISABILITV ASii INSlJlANCE PREMIUM ~ DISAlJl.lTV
41 $49,400 $286,58 43 $25,34 62 $25.000 $541. 75 64 $16,10
42 $48,750 $302,38 44 $26,76 63 $25,000 $584,25
43 $48.000 $317,48 45 $31.25 64 $25.000 $630,75
44 $47.1:10 $331. 75 46 $32,68 6!5 $25.000 $682,50
4!1 $48.200 $345.03 47 $34,00 66 $25.000 $733,75
46 $45.100 $361.74 48 $39,24 67 $25,000 $787,00
47 $43,850 $377.29 49 $44,67 68 $25.000 $857,75
48 $42,4SQ $390.02 50 $50,05 69 $25.000 $957,75
49 $40.850 $40 1.25 51 $55.48 70 $25.000 $1.068,25
50 $39.050 $411.12 52 $64,98 71 $25,000 $1,188.00
51 $37.000 $415,33 53 $73,86 72 $25.000 $1.316.75
52 534.650 $415,95 54 $8Il.30 73 $25.000 $1.453.25
53 $32.000 $411.40 55 $97,54 74 $25.000 $1.601.25
54 $28.950 $398. 43 56 $106,23 75 $25,000 $1,763.:15
55 $25.500 $374,75 57 $103.53 76 $25.000 $1.966.75
'6 $25,000 $390.25 58 $107.87 77 $25.000 $2. 198. 75
,,7 $25.000 $412.50 59 $110,03 78 $25,000 $2.462.00
58 $25,000 $434,25 60 $51.5 1 79 $25,000 $2.756,75
59 $25.000 $456,25 61 $49,64 60 $25,000 $3.081.25
60 $25.000 $479,75 62 542,13 81 $25.000 t3.4:l!,oo
61 $25.000 $508.25 63 $35,23 82 $25,000 $3.81fl,50
"We- .us. d. ..
, en our r.f.r only to the John Hencock Mutuel Life Insure nee Compeny
'You' end .your' refer only to the Owner of this Polley. .
'Pevment' mllns, unless otherwise stlled, payment at our Hflm" nil;,. ir "r"M .. _ _ _ __.
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12. Admitted.
13, Admitted,
WHEREFORE, PlaintilTrequests this Honorable Court to deny the relief requested by the
Dellmdanl in his application for sp\.'Cial rcliefpursuant 10 Rule 1920.43 directing that the Plaintiff pay
Defendant ninety percent of the monthly home equity payment, i.e. $602.10, etlective October I,
1996.
NEW MATU:R
14, The PlaintilT believes that the Defendant has adequate funds to pay the sums due on
the liabilities,
I S, In the event that the Delendant does not have sutlicient ability to make the subject
payments, he may remedy that situation by selling the marital residence. This would eliminate the
expenses for both Plainlitl' and Defendant.
WHEREFORE, PI<lintitl'requests this Honorable Court to deny the relief requested by the
Defendant in his application for special reliefpursuanl to Rule 1nO 43 directing that the Plaintiff pay
Delendant ninety percent of the monthly home equity payment, ie, $60210, effective October I,
1996,
Respectfully submitted,
INCOME AND EXPENSE STATEMENT
OF
JEANNE ANDERSON
INCOME
Employer: Computer Aid, Inc,
Address: 1209 Hausman Road, Allentown, P A 18104
Type of Work: Project Manager
Payroll Number: 1563
Pay Period (Weekly, Bi-weekly, etc.): Semi-monthly
Gross Pay Per Pay Period: $2,710,00
Itemized Payroll Deductions:
Federal Withholding $561.17
Social Security $\67,83
Local Wage Tax $ 27,10
St.lte Income Tax $ 75,79
Retirement $\62,60 (40\K)
Savings Bonds $
Credit Union $
Life Insurance $ \,25
Health Insurance $ 2,00
Health $
Other $
AUTOMOBILES:
Payments $ 428,00
Fuel (all vehicles) $ 167,00
Repairs $ 91.00
MEDICAL:
Doctor $ 100,00
Dentist $ 47,00
Orthodontist $
Hospital $
Medicine $ 160,00
Special needs $ 75,00
(glasses, braces,
orthopedic devices, etc,)
EDUCATION:
Private School $
Parochial School $
College $ 100,00
Religious $
PERSONAL:
Clothing $ 80,00
Food $ 250,00
BarberlHairdresser $ 30,00
Credit Payments $ 211.00
Credit Card $ 75,00
Charge Accounts S 75,00
Memberships S
LOANS:
Credit Union S
MISCELLANEOUS:
Child Care/Bobysiuing S
PapersIBoClkslMagazines S 30,00
Entertainment $ 20,00
Pay T,V. S 25,00
Vacation $ 20,00
Gifts S 100.00
Legal Fees $ 50,00
Charitable Contributions $ 30,00
TOTAL EXPENSES
54,085,00
I' ~ YROLL VOUCHER. "
,".', .
COMF'UTER AID INC
12011 HAUSMAN ROAD
ALLENTOWN F'A 18104
VAn' .
ctC~~;--'
5 15 97 DIRDEP
., NIT ~_~~o--
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NET PAY OF 11333,88 DIRECTLY DEPOSITED TO YOUR CHECKING ACCOUNT
L~~-::I"~~~~.llr"'-'I '
230
JEANNE 0 ANDERSON
103! STRAWBERRY ALLEY
SHIRIMAHSTOWN fA 17011-0803
COMPUTER AID INC
ALLENTOWN PA 18104
.. ~""",frIICl ~:'~~~';":,!';'~'WMPLO""'"AWt,;!~,/i'::t,:;:;: !'; "'1 "YOIQ'I' ~,
1$113 JUNN! 0 ANOERSON 187-38-3551 ,S 0
~tt1 ~ ,.,~, "1< ' . 'AV',,," 0101 1lo41S pi"
, 2140. 00 .~OCS!C 132,62
MOCARE 31,01
Feo WH 404, 7!
ST TAX 59,92
CTV TX 21 ,40
MEOlNS 2.00
401K 128.40
Vl$FSA 1,04
SHTOIS' 23,73
SUPLiF. 1,25
OPT
J I yqT'",. PAY
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5/15/97 5/15/97
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GROSS 2 I 40,00
19260,00
NO. 1790
0("0
OIROEP
Y.T.O
1193,70
279.13
2e17,01
539, 28
192.60
14.00
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7,28
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8.7$1
10,00
I
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1333.66
PAY STATEMENT
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at the request of a mortgagee, which will be held in escrow and not delivered to Husband until
payment to Wife of the money she is entitled to receive herein, However, a copy of the executed
deed may be utilized by the mortgagee in assisting Husband in refinancing,
3. The parties will sign all titles and documents necessary to transfer ownership of assets
assigned to each of the parties herein as provided in the distribution ofassets set forth in the Master's
Report,
.'
4, Any interest earned on the accounts from the date of valuation as set forth in the
stipulations to the date of final order shall accrue to the benefit of the party to whom the particular
asset as been assigned herein,
5, Each party will retain the tangible personal property in his or her possession free of
any claims from the other party,
6, Wife shall be solely responsible for the separation balance on the Mellon credit line
of $9,495,00 and any charges made subsequent to separating, and shall indemnify and hold Husband
harmless on account of any claims which may be made against Husband. Wife shall provide Husband
with written confirmation from Mellon Bank that the credit line is terminated and canceled,
7 _ Wife shall be solely responsible for the separation balance on the Discover card of
$1,894,00 and any charges made subsequent to separating, and shall indemnify and hold Husband
harmless on account of any claims which may be made against Husband.
#
at the request of a mortgagee, which will be held in escrow and not delivered to Husband until
payment to Wife of the money she is entitled to receive herein. However, a copy of the executed
deed may be utilized by the mortgagee in assisting Husband in retinancing,
3, The parties will sign all titles and documents necessary to transfer ownership of assets
assigned to each of the parties herein as provided in the distribution ofasselS set forth in the Master's
Report,
.'
4, Any interest earned on the accounts from the date of valuation 'liS set forth in the
stipulations to the date of final order shall accrue to the benefit of the party to whom the particular
asset as been assigned herein.
5. Each party will retain the tangible personal property in his or her possession free of
any claims from the other party.
6. Wife shall Le solely responsible for the separation balance on the Mellon credit line
of$9,495,oo and any charges made subsequent to separating, and shall indemnify and hold Husband
harmless on account of any claims which may be made against Husband, Wife shall provide Husband
with written confirmation from Mellon Bank that the credit line is terminated and canceled.
7, Wife shall be solely responsible for the separation balance on the Discover card of
$1,894.00 and any charges made subsequent 10 separating, and shall indemnify and hold Husband
harmless on account of any claims which may be made against Husband,
at the request of a mortgagee, which will be held in escrow and not delivered to Husband until
payment to Wife of the money she is entitled to receive herein, However, a copy of the executed
deed may be utilized by the mortgagee in Bssisting Husband in refinancing,
), The parties will sign all titles and documents necessary to transfer ownership of assets
assigned to each of the parties herein as provided in the distribution of assets set forth in the Master's
Report.
4,
Any interest earned on the accounts from the date of valuation 'as set forth in the
stipulations to the date of final order shall accrue to the benefit of the party to whom the particular
asset as been assigned herein,
5, Each party will retain the tangible personal property in his or her possession free of
any claims from the other party.
6, Wife shall be solely responsible for the separation balance on the Mellon credit line
of$9,495.00 and any charges made subsequent to separating, and shall indemnitY and hold Husband
lwm1ess on account of any claims which may be made against Husband, Wife shall provide Husband
with written confirmation from Mellon Bank that the credit line is terminated and canceled,
7, Wife shall be solely responsible for the separation balance on the Discover card of
$1,894.00 and any charges made subsequent to separating, and shall indemnitY and hold Husband
harmless on account of any claims which may be made against Husband.
at the request of a mortgBgee. which will be held in escrow and not delivered to Husband until
payment to Wife of the money she is entitled to re.:eive herein. However, a copy of the el(ecuted
deed may be utilized by the mortgagee in assisting Husband ill refinancing,
3, The parties will sign all titles and documents necessary to transfer ownership of assets
assigned to each of the panies herein as provided in the distribution of assets set forth in the Master's
Report,
"
4, Any interest earned on the accounts from the date of valuation 'liS set forth in the
stipulations to the date of final order shall accrue to the benefit of the party to whom the particular
asset as been assigned herein,
5. Each party will retain the tangible personal property in his or her possession free of
any claims from the other party,
6, Wife shall be solely responsible for the separation balance on the Mellon credit line
of$9,495,oo and any charges made subsequent to separating, and shall indemnifY and hold Husband
harmless on account of any claims which may be made against Husband. Wife shall provide Husband
with written confirmation from Mellon Bank that the credit line is tenninated and canceled.
7, Wife shall be solely responsible for the separation balance on the Discover card of
$1,894.00 and any charges made subsequent to separating. and shall indemnifY and hold Husband
harmless on account of any claims which may be made against Husband.