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Home My WebLink About02-5154IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N,A., SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Plaintiff VS. JAMES E. SMITH AND DORA J. SMITH Defendants No. C)::) COMPLAINT IN REPLEVIN FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 VWNR#02749033 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N.A., SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Plaintiff VS, JAMES E. SMITH AND DORA J. SMITH Defendants Civil Action No. ~,.,.,C'l.~'z/ COMPLAINT IN REPLEVIN AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. OF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 COUNT I - REPLEVIN 1. Plaintiff is a corporation having offices at P.O. Box 2050, Alliance, OH 44601. 2. Defendant, James E. Smith, is an adult individual residing at 6 Apache Drive, Lot 85, Shippensburg, PA 17257. 14810. Defendant, Dora J. Smith, is an adult individual residing at 6155 Cross Corners, Bath, NY 4. Plaintiff is the holder of a Retail Installment Contract (hereinafter the "Contract") and Security Agreement secured by a mobile home duly executed and delivered by Defendants in favor of Mt. Rock Homes, Inc. on or about March 27, 1998. A true and correct copy of the Contract and Security Agreement is attached hereto, marked as Exhibit "1" and made a part hereof. 5. Pursuant to said Contract and Security Agreement, Defendants took possession of the mobile home more particularly identified in the Contract as a 1998 Commodore Genesis Mobile Home, Serial Number CW32683AB. 6. Mt. Rock Homes, Inc. subsequently assigned its right, title and interest in said Installment Sale Contract and Security Agreement to Plaintiff. 7. Under the terms of the Contract, Defendants were to make 300 (three hundred) consecutive monthly payments of $422.29 beginning April 27, 1998. 8. The total principal amount due to Plaintiff pursuant to the Contract was $44,721.00. 9. Plaintiff maintains a first lien on the aforesaid mobile home by virtue of the Certificate of Title issued by the Commonwealth of Pennsylvania Department of Transportation, a true and correct copy of the Certificate of Title is attached hereto, marked as Exhibit "2" and made a part hereof. 10. Defendants are in default of the terms and conditions of the Contract because Defendants have failed to make the required monthly payments since May 9, 2002. 11. Plaintiff is entitled to immediate possession of said mobile home which Plaintiff holds a security interest in and any proceeds of the mobile home, including insurance proceeds by virtue of Defendants' default. 12. Defendants have made partial payment under the Contract leaving an unpaid balance in the amount of $42,790.85 as of September 25, 2002. 13. Plaintiff avers that the Contract provides for finance charges at the rate of $12.85 per diem 14. Plaintiff has performed all conditions precedent as holder of all right, title and interest in the collateral, but Defendants wrongfully remain in possession of the mobile home at the above-stated address. 15. By virtue of Defendants' default, Plaintiff has an immediate right to possession of the mobile home covered by the Security Agreement the value of which is $34,031.97, plus continuing finance charges at the aforesaid rate of $12.85 per diem. 16. Under the terms of the Contract, Defendants have undertaken to pay to Plaintiff its reasonable attorneys' fees and costs of retaking possession of the collateral. WHEREFORE, Plaintiff prays for Judgment against Defendants, James E. Smith and Dora J. Smith, jointly and severally, in Count I of this Complaint In Replevin, as follows: A. For possession of the mobile home, more particularly identified as a 1998 Commodore Genesis Mobile Home, Serial Number CW32683AB COUNT II ACTION IN CONTRACT FOR IN PERSONAM DAMAGES 17. Plaintiff incorporates herein by reference thereto each of the preceding paragraphs of this Complaint in their entirety as if the same were more fully set forth herein. 18. In the alternative to Count I, Plaintiff pleads an action in contract as a result of Defendants' default for the accelerated balance due under the Contract in the amount of $42,790.85, plus appropriate additional finance charges at the rate of $12.85 per diem on the balance due from September 25, 2002 and costs. 19. Under the terms of the Contract, Plaintiff is entitled to recover reasonable attorneys' fees and costs of retaking possession of the collateral. 20. Plaintiff avers that such attorneys' fees amount to $200.00 to date. 21. Contemporaneously hereunder, Defendants have been advised of his/her right to dispute the validity of this debt, or any part thereof, pursuant to the Fair Debt Collection Practices Act 30 Day Notice, attached hereto, marked Exhibit "3" and made a part hereof. WHEREFORE, Plaintiff prays for the entry of Judgment on Count II against Defendants, jointly and severally, in the amount of $42,990.85 plus continuing finance charges at the aforesaid rate of $12.85 per diem from September 25, 2002, reasonable attorneys fees and expenses for retaking possession and costs. WELTMAN, WEINBERG AND REIS, CO. L.P.A. WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#:02749033 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. "MN~UFACTbT~ HOME t ~l~' IVlT nOOK HOME8 INO I ~uyer SM~H. ~ME8 E. ~NSYLV~IA ~ 8HIPP~SBUR~ PA 17267 I 8HIP~SBURQ, PA 17267 ~ ~eo~em ~ a~. J a~ Wm~tor, separetdy e~ together. .RUTH IN LENUINQ A;;[;~AL I FINANCE I AMOUNT FINANCED I TOTAL OF PAYMEN/S~ TOTAL ~ALE PRICE PERCENTAGE I CHARGE ~ The amo~t or oredlt I The amount you wal have [ The total o~t RATE I The dollar emou~ the provid~ to y~; or I~aM ~mt you h~e m~ela=ol~ae on o~edlt, T~e ooet of yo~ credit ~ erst w~l ooat you. on yo~ behaff. ~ afl ~h~uled paym~ta. ~ y~ down aB a yeady rate. I of ~ 200o. O0 N~ of Paym~ta I ~no~t of Payable ~ Wh~ Payments Are Due and each mon~ lhereaHer unel ~ld In ~l. 8eoud~: You ere ~g a .~lty Int~t in the goods or ~op~ty ~rng purchased. * * ~ You ~e g~g a ~mlty I~ereat In the r~l pfope~v at -* ~ ~te Oharge: If a peymmt Is more than 16 ~ys late, you wal ~ ohe~ged ~o fo~or of ~G.~ ~ two pmoent el lite tmDMd a~ount of ~be Inltellment , -. Prep~ymeflt.' If you pay off this Contre~ ~rly, you w~l ~oe have to pay a p~alty. ~ ff y~ peg off Ods Co~r~t ~dy, you wB not ~ entkf~ to a refmtd of part of t~ AdditJ~al F~m~e Chm~. A~UM~ON: ~e ~yl~ yo~ ~nufaotur~ Home 0 may 8ubJeot to oondltlons be ~low~ to ~ o~not th~ Co~t ~ ke mlgl~l t~g. C~b~t ~ovlel~.: You eon g~ the te~w of this Contreot for any a~tlonM InfMmetlen e~m nop~ymeR, ~a~[, any r~F~ r~a~t ~f~ the acl~ ~te, m~ p~ayment refun~ al~ penaEl~. "o' means an $ECURI~: To e~ure ~o~ p~t. and.~ormano~.~d~, the terms of this C~t~aot. you ~e ~ a a~mEy ~temet In the Manufa~ H~e (~ ~llneo a~ve) a~, ml~e pro,oiled Dy law, all pree~t ~d fu(~e aooeeeions to ~ M~uf~ured H~ (~pt tha~ aoo~al~s wm.~ot Ino~ "~u~old go~s" es def~ ~ Ute ~C ~lt ~aotio~ Rule, 1 ~ C.F.R. 444, If ~ do ~t fl~e tl~ ~ee of ~ ~ul~om goOOa). If you ~ not meet yo~ Contraot oMIgatlone, you may lose your house, ~ the ~tate ~erl~ ~ any me,gage or deed of trust {ff any). ~ ~ll ~fltmot le alee s~ ~ a a~nrete mottga~ or de~ of trust ~ted , ~ real estate, as ~wn In the TRUTH IN LEND~NO DISCLOSURES. Tim t~ "~o~y" means ag propmt? a~mfng thM Contraot. e R.EDIT INGURANCE: Credit life. oredft disability (aoeldent and PROPERTY INSURANOE: You are required to loaum the olth or eooldent and alolme~o), and any other Insuranoe Property seouring thls Centraot whh the following mlnlmum oove~age q~otod below, ere not requbed to obtain oredit and we property Insulate oovet&ge: will not provide thaw unle, you sign and agree te pay the ~t a93r~.00 add~tk~el ooK. If yOU Wallt et.K~Z Insur_e~ao. we will obtain it for you (If you quall~y for oove~oge). We ore quoting below ONLY the oove~agoa you have ohosert to purohase. Credit Ufa: ~nsumd [] Sln~e [] Joint Coat Credit Disability: Imured [] Glngle [] Joint Cost You may purehage or ~xovldo the I~uranoe t~ou~ ~y ~man~ oomp~y that b re~ona~y ~o~taMe to us. If you ~ t~ ~a~moe ~om ~ ~ ~ you WBI p~y ~ 34 6. O0 f~ .... 12 mpn~ of ooverage. Your signature bMow means you want (only) tho lns(Jtanae eoveregefe) quoted above. If none are quoted, you have dedkmd any ooveregoa we offered. , ~' / Buy.~ ~ ~ ~/ d/o/b ~Y~ ~ . d/o;b ~ ~ - ~ ~ ~ ~/~b ~Y~ ' d/~b PE~NSYLV~ ~fAm gamabllky Insure.n. aa _e~v .or~ge.. fee bodily MJu~ a~llor m~ ~ _,~,__-eed to omero ia NOT Included tn thio C,ad~act ~nlo. eheoked mid Tndlcated below. [] The following ITabiTIty fr~u~m~e I. trmluded In this eovmage: EXHIBIT ITEMIZATION OF AMOUNT FINANCED Manulaotured Home Pi'lee ~inoludlng ,alee tax of 9 0. co ) Bulmer P~oteotlon/$ervioe Plan Paid to: $ 1. Ceeb F'd~a $ 473oo°0o Menufaoturer'a Rebate Cash Down Peyme~qt ¢ 3oo0. 2. Subtotal ~ 2000°00 Trade-In Aliowmm® Le~e: Amount Owing To:_ - · : ;3. N~t Trade-In 4. T~tal Down Payment (line 2 plus line 3} $ 30o0. O0 g, Unpaid ad. nee c~C~a~h Pi'}~ Olfle 1 mln~ /ina, 4l $ 44300. OO Fee, Pdd to Off}are: Tire TaX Paid to PuL~Io Officials - Fling Fee~ Only Paid to Public Officials - Other th~ Paid to Insurance Compat~les ~i'o: PhYM~MO~naa~: 34~,00 Crc: ) (To: ) ' Add;}tonal Finance Charge(a} Paid To Seller To: Notary & Prep $ 27.B0 To: Rm~l Re~t I I]~0.0, To: ~. 8ubS}al (Un, !~ plus all Fees Paid to OUt,a) ~ 44726.00 7. ~ Rn~ Ch~g~ 9 6.9o Am~m ~ane~ 0~e 8 ml~s line 7) ~ ~731.00 T~e ~a~e ~ ~26687. o0 8ALE: You a~ to p~o~se From ~ the mmufaot~ed home dNml~d ~, to,bM wltb t~ rM~ a~lle~ e~ eoo~eorl~ Ilst~ ~ow "M~f~t~ed Hms"). Yo~ ~rol~se of the Manufaotur~ Home IS IU~! to ~ t~a of th~ Co~aot. 'C~t" mess this ~m~ ~d ~ e~Mete doo~t that e~ thl~ C~tract. Me~f~t~ J ModM Name & N~ '~.~8 I do f 2s I I ~ T/reo and M~edt ~ Axl~ ~ RohJgeret~ ~ Skktl~ ~ ~ Aeo~soW ~ed [] Other ~[edo~q~/Nlcb0:s Ste:Bs (1,~ Looatisn"~f Manufactured Home ofter deliver y to t~uyer: ~ APAOHE DR IHIPP~NBBURQ, PA 17257 ~eser Iptlon of Trade-in: / [] BUYER PROTECTION,~ERVICE PLAN: With your pu~oha=e of the Manufactured Homo, you have elected to ptnchaae the follow~ng epUonal buyer p~oteotlon or service p[an ('Ran'): and will be'in · effect . $~ tho Plan documents for dete#a. PROMISE TO PAY AND PAYMENT TERMS: You promise to pay us the principal emot.u~t of $ 44726. OO , plus Intmoat on the ur~aid balance et tho rate(a) 9f 2,.0.60. per year until the final scheduled payment date. Interact wffl begin to accrue on ,19 . end will accrue on a 3~0 day baals. After the final · scheduled payment date, or after you default end We demand payment, we will earn interest on the unpaid Ic~lnolpal balance at tho rate of 3.0.G0 ~ per year. You agree to pay thil Contract according to the payment achodtde and late ohergo plovislona shown ht tho TRUTH IN LENDING DISCLOSURES. You aisc ag~aa to pay any additional amounts aeeordlng to tho terms of this Contract. A late charge, if plOy}dad Irt the TRUTH LENDING DISCLOSURES, wi}! he Imposed only once on a Iota pays,ut. A late charge will not be oolleotecl on the scheduled payment}, but Interest wlll continue to accrue et the 0.00 appfleab~e ce.tract rate._~. [~] ADDITIONAL FINANCE CHARGE:'Y~u agree to pay an additional, he,refundable finance oha~ge el~ $ that will be [] paid in each. [] financed (see ITEMIZATION OF AMOUNT FINANCEDI. I--1 paid proportionally with each Payment. DOWN PAYMENT: You also agree to pay, or apply to tho Ceah PIIoe, on or before tode¥*a date, any each, rebate end net trade-in value described in tho ITEMIZATION OF AMOUNT FINANCED. [] E~C,~ROW: You [] may, bet ere not requkod to [r-I mu,Jr pay certain expenses and Ieee from an e~orow account. If an escrow account IS established, It will be governed by a separate agreement. GENERAL TERM-q: You agre~ to pu?oheae the Manufactured Home over tkne. The Total Sale Price shown in tho TRUTH IN LENDING DIgCLOaURE$ a~aumes that all payments will be made ea ached}dad. The actual ontotn~t you wl~ pay may be more er leas depending on your payment record. The Iow of Pennsylvania will govern this trar~a~tien. It 1. also governed by applicable federal law and regulations, inMudlng the preemption of state u~ury laws. The federal Alternative Mmtgage Tranaaotier~ Parity AU} may aisc apply. We do not Intend to charge er collect any interest o~ fee that Is mo;e than the applicable law allows. Ii' we charge or collect any amount over what the law allows, we will apply the excess first to the prlnolpal balmloe, and we w~l refund any excess If you have paid this Contract in furl. If any wovlalon of this Contract la not enforceable, thIs Contract will re~atn enforceable without such provision. If we agree with you to any exoeptlorm to the promises or easoreneea In this printed Contract. such agreement mu~t be in writing and a~lnod by PREPAYMENT: YOU MAY PREPAY THIS CONTRACT IN FULL OR IN PART AT ANY TIME WITHOUT ' PENALTY, Any partial prepayment will not excuse any later scheduled payments until you pay in full. You may obtain fram ua, or the Insurance company named ,,our pollay (or Q~tlflcate of ineuranoe)0 · refund of' ewy unearned arme premiums. 'OWNERSHIP AND DUTIES TOWARD PROPERTY: By g;v;ng U~ e aeoufity '~t~est, ro~l est~e mortgage, or de~ o~ t~t ~ the ~y, ~u a~e6 to the foll~h~g: ~ A. You w~ def~ o~ l~t~[~ ~ il~ Prepay e~t olelms made ~ ~y~ MIa. Y~ will ~ wh~ 18 ~o,~ary to ke~ our ola~ to th~ ~p~y o~ ~ of t~ oI.~ of any ~ o~d~or. You ~ ~ ~y ~I~M ~. ~ provide u. with e~ltl~ ~f~et~n wo may re,be to ke~ the prloF~y of o~ Ma~ to the ~p~y. You ~11 ~t do anythhlg to C. You wgl keep th= ~ty ~ yo~ posseaai~ ~ good ~dltl~ a~ r~a~. You w~ ~e the ~oDmy for ~t~ded end lawful p~po,os. Unl~ oth~[le a~eed "Loaatl~ of M~ufa~ured Home a~ del~ory to ~ov~ed ~ ~ Con~t. D. You w~ not t~ to s~l or tr~sf~ any H~ts ~ ~e w;th~ our ~r ~tt~ E. The M~faot~ H~e eel ~aln p~=one; property mti ~b Co~r~t It ~ ~ ~IL U~es8 we give y~ prl~ oons~, y~ will not aff~ the Manuf~t~ed Home to ~e a pat of real ~tete ~ to ethnics lose ire ~mmtt a~ pMe~el ~o~ty u~er ~pllooMe I~. F. You w~l ~y ~1 t~, fees, ~pense=. a~ ase~smente the ~y wh~ due, G. ~ou wRI ~tifV ~ of any ~ss or ~e to t~e You w~ ~ov~e ua reascend ~oNe to the Prepay for the p~ae of DEFAULT: You w~l ~ In defa~t on thb Con,sot If any one of t~ fellow~ng o~re (~o~t ~ P~lblt~ by law): A. Y~ fa~ to make a pa~ w~ It Is due. B. Y~ fsi to p~fam any oMIg~bn that you have under,an ~ thle C~traot (whl~ ~ae doing sm~hh~g y~ h~e egr~ not to do). If you ~fa~t, you e~ to ~y ~r r~a~e atto~ye' fees, ~n~ wKh t~ oom~ of [~t aotl~, ~ ~ to 960 ~r~ a~t~ ~e NOTICE OF DEFAULT ~d ~omm~o~t of a I~ aotl~ (as ~ovld~ ~ Pa. 8tat. Ann. tit. 89 ~ ~23) ~d fe~ f~ r~ss~l~, r~a[r, st~a~, a~ eele of ;f ~ ev~t of default ~s as to any ~e of you, we may ~ol=e o~ r~ aga~st any ~ ail of you. NOTICE OF DEFAULT: If you are ~ def~t, we w~l ~d you N?]~ of ~fe~ e~ Not;oe of Rfg~ t~ C~e Default wfl~ r~ by I~. ~e Notre ~ ~ln ~y y~ are Tn defa~t a~ how ye, o~ ~e H. We will ~t ~o~erat, th~ bal~ of th~ C~ntf~t, repo~a ~ [~eolo~e ~t any unt, af~ we =~ you the Notre ~ any ~e p~d ;t hal ~a~e~. We may ~t ~ r~ to ~ you a Notre ~f you h~e a~ tho M~feott~ Home, (2) you r~eiv~ two Not~ ~ t~ ~1~ o~-y~r p~d, ~ ~) ot~r extras After ~p~iNo~ y~ may h~e addltro~l (~ I~ rlg~e ~d~ Pa. ~at. ~. t~. ~ ~ 623 to re~etMe ~b Co~raot ~y t~e up to ~e d~e of tr~arer or title to ~ Ma~fa~w~ H~e. by paying ~ fnete~monte ~ default wl~ ODDS, etlon, pfue m~y ot~ oB~t~n whi=h you h~e not f~fll~, w1~ ~o~et~. p~ ~ o~ and f~ ~owed by t~ few ~M~IEa: B y~ are ~ defa~t on ~le ~traot. we have all the r~r~ w~fd~ ~ law. thh Co~aot. ~ any e~rate ~ of tot. B~m m~ a r~. we ~1 e~d y~ any notke ~ we~ f~ any ewe p~d ~t d~e law may r~'~ for A. '~'e may r~quire you to immediately Ray us, aubJe=t to fervid r~u~ed by law, the ~tbe ~[~M ~l~oe, plus oern~ fntere~ a;~ eli oth~ agr~ oh~. B. We m~, ~ ore ~t ro~lred to, ~y t~, fea~, ~nmea, aesesem~ts, ~ o{1~ Ilent or mab r~ah ~ the ~pMty ff you h~e ~ dane aD. An~ ~ we ~y wig ~ added to tim emit y~ ~ ua ~d w; ~ ~ ~m~J~eIy. Th~ amo~t will cmn ~mMe~t from ~e date ~ld at t~ rate(s) dosoel~d ~ Ute ~O~E TO PAY AND PAYMENT TEflM~ eoot~n. We may r~be t~t you eota~leh and f~d an o~roW aeoo~t if ~e a ~t al~ady rWY. ~. We may r~u~o you to make the ~op~y ava~Me to u~ a pleoe we d~l~e Umt l~ r~My eonv~l~t to you and O. We ma~ ~med~ately ~ake ~s~l~ of the ~opm:y by legal ~eoe~s or a&f-lmlp, II we do eo lawf~ly. We may th~ s~l the ~e~ty end apply w~t we r~e to teasona~e ~p~e~ a~ thru toward yom o~lgmbna, aBowed by law. E. Exert ~ pr~Jted by law, we may aue you for Paro~ap~ C. ~d D. (a~ve) ~ply ~y to pe~onM pretty e~uri~ ~tm~. rE th~ C~raot ~ e~od by a mortgage or ~ o~ t~st, then the for~os~e o; ~oh ~tore~ may ~oso other d~l~ end limitaU~s ~ our t~ a~ r~edl~, provided by I~w and ~e mo~g~e ~ de~ of By ~osing any one or more of these r~ed~, we do waive o~ Hght to I~ uae anotr~ r~edv. If we do not ~t on an event of default, we do not g~e up ~ rlgl~ to I~er trot that t~e o; ~ent ~ a de~oult. You a~ee that ~fmy notloe ~ requ~ed ~ ~ given to y~ De Int~ded sale ~ trans~ o~ the ~ope~y, notre fa r~sona~e m~ed to yo~ last ~n ad~', aa ~efl~t~ ~ our teoor~, at I~t 10 days before the ~te of the inte;~ a~e or t~an=f~ s~h other p~rod o~ tfme as la r~od by I~). ~en r~l ~tate Is the s~urity, otl~ ~les may You a~ee that, su~e~ to your H~ ~ re0ov~ s~h primly. we may take pose~elon of p~sonal pr~y left ~ or on the ~o~rty s~ktg thb Con~ ~nd tak~ Into Possession provided above. If the U.S. Depa~m~t of He,lng and Ur~n O~elopm~t ~res this C~tract un~r Its Title 1 ~ Impmv~t and Malformed Homo Re~a{~, our rfght to make ~ou pay fids e~rre Con,sot Is ~ub[e=t to the I~Hat~n. o~ those regulate. INSU~NCE: You agree ~ buy ~ra~e ~ t~ ~e~y ~e t~ew a~ am~nte of =ov~e ~ In the PR~E~ INSURAN~ woolen, or ~ we ~he~=e t~e. You must u~ as Ieee ~ay~ ~ any ~ Rol~y. I~ the ~ent of Io~ dam~e to the Rop~ty, we m~ ro~ee add~nol e~ity ase~mo~ o~ pa~t Mfore we allow I~anoo ~oo~ to used to ropa~ ~ ~epluoe ~o ~op~ty. If ~oe pmoe~, pMd to ~ ~ ~t pay o~f thll ~ontra~, you ~e ma~a~e for the ~e. You w~l k~ the ~a~e ~ erst ~ this Co,eot ~M ~ ~1. rf the oost or propet~ ~man~ b ~ In the ~o~t F~a~ ~ the ~ranoe M oa~ or to~lnat~ ~re thle C~aat Is paid In ~;, t~ you a~ to giro ~ any prem~m re~ ~ r~ta t~t you r~e~e. We w~ cr~{t the re~d or cesta to the ~o~t yM[ owe ~. We may, at our o~n, ell~ y~ to ~ ~8 ref~d or re~e to hMp ~y mMaeom~t ~e~anoe ~ y~ ~elm0e. ]e gou ~ ~t ke~ thee ~om~ses, we may ~y ~ee to ~ude oov~a~s ~y~ I~e we r~e you to ~ and ~ from · oomp~y y~ might ~t ~oos~ The rate we pay may ~ hl~M than a rate y~ might have to pay ff you ~ it yew;df. We w~l ~ ~e ~.t of ~ ~=e to the ~t you owe ~y amo~t we ~y wM M due ~me~ately. ~ls amo~l w; ~m ~terest ~om ~e ~te ~ld at t~ ~pl~e ~raot (' OB~.IQATIONS INDEPENDENT: Eo0h of ym, who signs ~hia Cmltraot Is Independently re~onelble te pay It a~d to keep the other promise~ made In this Contxact. This is true even it: A, ~emeone else has doe signed It. B. We rdaaea o~ do not try to oollect ~rom another who ia also responsible to pay this Cent;sot. C. We,relaa~e any security or do net try to taka back arty Property. D. We give up any othe~ rights wa may have. E. We extend new oredlt o~ re~ew fids Contraot. WARRANTIES: We will m'evIde any warranty Information to you separately. X WAIVER: To the extmtt pMmlll~l ~ law, yml mgeN to ~tlve up NOTIOE OF DEFAULT aeotlon). Unlel~ the l.w m' this C~atreet Ixovlda otherwise, we me not raqulf~d to: I1} demmtd paymar~t of emmmte dua: [21 give negoa that amounts due have not been paid. m have not been pMd In the appropriate arnmlnt, t~me0 of manner: m4.. I~ give ttotlce thue wa ]nt~<l ~o make. er are mMlug, title ContrW Immediately due, NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRAOT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AQAINST THE SELLER OF QOODS OR SERVICES OBTAINED PURSUANT HERETO Off WITH THE PROCEEDS HEREOF. REOOVERY HEREUNDER BY THE DI~TOR SHALL NOT EXCEED ~MOUNT$ PAID BY THE DEBTOR HEREUNDER. NOTICE TO BUYER Do not sign this Contraot in blank. You are entitled to an exaot copy of the oontraot you sign/ Keep it to pro. teat your legal dghts. Buyer{~l: / (~Y (/ · i~lgr/&t, uie v: Oat~ Signature Date I ACKNO~'LEDGE RE. CEIP~T OF ,~ COPY OF THIS CONTRA~T,: tr , . x, /( ''', ,, Dis~emet Dee: ~' ' ~ ~ date I~ f~ Tl~e 1 ~ r L~ L , {This after ~te Cm~t le el~ ~ ~? t~P~dme. ASSIGNMENT BY SELLER s...~ .o,. end ...~.. the...*a, ~.ta,m~ co..sot ~. ~) ~ SISAL B~L NAT~NAL A~O~IA~. 186 E LIBS~Y ST. W~GT~. OH ~1 . the AKBI~, [to g~o~moro and eaei~, ~1 kl r~e, t~le ~ ~m ~ this ~tr~t, and my ~raN~ ex~ ~ oonn~t~n with this ~ntreot. T~ Aa~NM~T lB MADe: ~ UND~ ~E ~ OF A a~ATE A~T. ~ ~T ~ THE FO~OWIN~ T~Ma. 8dim gk~ Aae[~ f~l power, e~ In Es own ~mo ~ ~ 8dl~'s n~e, to take aR le~ or oth~ aot~ns which SMler oould tak~ ~ thb ~b~t. ~Mler warrantl: A. ThM Co~raot r~rM~ a ama by ~1~ to ~ on a time Wise ~sia told ~t on a oaah B. ~e Itet~ta oo~a~ In t~s C~tr~t are ~ue e~ C. ~e ~ pa~ wee made b~ t~ B~ In the ma~ ~tat~ on page 1 and ne part of the down pavm~ wee 1o~ or paid to tho ~y~ ~ 8dl~ or D.~I* I~e was oom~ in ~o~e ~ ~1 a~e f~ and state I~s a~ E.T~e C~r~t IS vaIM ~ ~fM~oMo In eooMd~e web ks F.T~ n~ee ~d ~g~tur~ on ~ls Cont~ot me ;~t f~d, flotit~ or ,e~, ,~ ~e true end eorr~t; O.Thl. C~t Is ~t ~t to any ~alm. m ~ms~ on ~ ~ of ~ A e~;l~y ~ed-in o~y of th~ Con,eot w~ d~ ~ the Buyer et t~ t~e of exe~n; ~d T~ ~e~y ha~ ~ ~ed to the ~ ~ good o~lt~n end has ~ eoo~tod by Buyer. If ~y of ~ae waw~t~ Is ~ m ~ue, ~ w~, ~on Aal~nee's demand, ~rolmte tide Contreot from Assigns. ~tornoye' 8~ w~ ~demnlfy Ase~eo for any rose ~ ~ E ~auoe or J~iclal s~-eff or as tr~ re,It or a roeove~ mode ~lnse as a re~t of o 01e~ ~ defuse B~ has ~a~st 8~1~. Sdr~ WaJVel notloe of ~o eoo~enoo of thb aurorae, ~troe of ~n-paymmt or n~-pmfo~anoe ~ notre o~ any oth~ avaffaMe to Ao01gfl~. Aeelg~ may, w~ ~i~ to ~, a~ w~ affeot~g tho liability oF Se~ und~ thru aes[~t, o~ou~ or release r~ts agabst, and ~a~ ~t~i~s of time ~ pay~nt to ~ m~o, to 8We and any oth~ pemon o~lgatod u~ ~ ContraoL UNLESS INDICATED ~ CHEOK~Q THE BOX ~OW, ~lS A~IQNMENT I~ WITHOUT ~COURSE. ~ WITH RECOU~E: S~ler a~oe that If the Buy= deists on my oMIgattof1 of ~ym~t ~ p~Jorma~e ~ thb C~t, w~l, ~ ~and, re~h~e ~3ls ~nt~ fm tie emit of tim u~ard bolanoo, ~lu~g f~e oh~g~, ~ at th~ t~e. .,;.. -. , / 0 ! S:J:f I~SUR*E RAL'-L.(B '"" ;S E 5 DONA J'SHITH '. ,,... -- ~ 'PENSBT~RG PA 1-7~5T SIGNAL BANK'NA .' ~3S E LIBERTY AYE ',,' NOOSTER OH tlq[~J], \ " ~OT~ ;~ ,th. whc~ d,~c. ?it,ed ;.":'"':.~:'i:' '1'"'~'""":"".'". ' .' ¥:. .".'.;' """ '"'"" ":'"' ",.'" .... '! ....0c~A §'aft~.r~&i tbf .'. · '.: ' ~,;-~='tv .this law firm'is reou red to advise you tha..~, unle. s.s ~.v.~m.n 3 ... y ..... ... P. .. · . · .. · .,-y.~..,.-?-, ?--.-,~...- . · . .:. · , ;. ?' "..'-::: :." .:' .".',:':;'"':, · :this t~otice .~ou otspu~:e ~ne .va~ut~y u~ u,o ,.,I,~, . , . ~ ~. . ... .... , 'i""" '.'. ' : ' · . ... ·: ,'...'·.-'' -,.. · '~... ~ . ':: o . .- .. ~ · · · ..' · · . :. .... · .':'-'.. ; · '·.... . . · .;~,'-.. ." ."' ""." '.':".-..'": ': ";;'.-' '.'.' :': ,'-=~'-'-"~:*:.';~.,;;~'t ~d' 6s i'n'".~vr~tin~, ~ve 'ar~ reciuirCd td 'prowde .you. whn .... .... to b~ valid b'~;u's..~r.saio nouftc,...auu.~ .,~ ....... ~ , .. ,........ . _ · . .... .... . .~.. .., . · .:.-. . · · ; . . . -· · .: . ~· : · ;~ · . '; ·. . · ..' ~ . " : · .. .. : ." ' ·" · · · .' . i,' t,h' :a. ?..s! ..o!........... .' :' ,'..'..'.':.", ::';'.:;..' ...-..."' .,, · the '6ri.qina~ 'creditor, ~.w~ [~e .phuwu~ -~, ~¥.';.d.~.tff... ,.- ... , ,.. . ........ · : .:................,.... '.' . · · · .. ..', ;, .., _.. ' ,., .'_ .___'..~'_, kc,,~-,,~r~8 of th'e' oric~inal creditor-m'wnt ng w~hln th~ · ..- ·''..'that you diSpu[e.z,n.e oebl;, anew.or [ugu~.~, ,~.,.,~ ,, . ....... ,..' -- · '-- .¢. · · ' ' .,' · .' ' '. · · :: ..... '.' . ::' .. ¢"." .. '.:' .. '.'...:'-.. -.'',' ,..".v.' .."' ""-'" - ..... " ~ end0 lawsultuntd' : · · · ' er action will be.taken.to, obta~n'.a. Jud. g.m.ent.m:t.h, p . .g. . . .......... · · .30-day. perioS, no. fu.rth. ... . : ...............,.... · ".". - ' ' "'" ~been 'rovided td you' ." ': ':-" :',': .....- · .... 9f.th..e.. :g. · . · .~: .... ,...--; ..... ..... ..- .....--_ . ............ .... · ;. th~'~erifi~ati6fl'andlo}' ,nameor inal credo,or h . .P , ....' -.... - · .- .. · ...'. 'i '" Tl~i~' law firm"is' attb'm.p.{i~¢ to qolled, t..t.~i~ ;d66t for,~,ur c!ie.~t an.d.~any.i.n¥o.'r.~.~t..i,o.,.n 9b. ta.?.ed...; j.. '. '.\viii be'dsbd'.~6,"r. (hat pCirp.o§e;.-:. ':', '.. .;.~. ' ' :' .-'.:. · '. :':.., ,: .':.i :-.' ...:'; .j. ":f 'j!' .'..'-:' '.'.'. ' .. '" '.... '§&parole'= and ~tistir~ct fror~"th'e.for~g6ing"C°Cnplai'r~t 'w~i~h :'~nust ~vith the instructions t~er6in. Bec~us'e' of the 'difference in time parameters, we..wilt not move :for' ..'. ,'.' ..'~. '=='. ~; .'..: ".". ;: -' '.. · ., .. 's(' thiCt~/ Compla n~ .u.pon ', Defat~i't Judgment f r at lea 3 'dh'y~'iror~ th'e'dat&"of servi~e'bf this . · . . .. . ... , ...:';..."- ;.: .... . ... · . .* · , · , · . '..,' · . ... ;.. .~ ~ '.. :.. ... · . ...' . · : ".. .. '. '. ~,ou, and if y(~u request v~rific'a'ti'on[ w~ vJiiI ~ot ~ove f6~ DefaUlt Judgment unbl.a .reasonable ':"" ; ti~e after'ye~ificati.~n' ~;~s' been' prOvide'd, a.n.d a. ft'er ~the'ex. piration .Pf.t..he,t. hiK'Y. !~0) ¢..a.y period ; 'j from the d~te of serv~ce. ... .. .". .. : . '; .'".. 7: "......'.'. :. :.' ..' '.... "...' ' . .. '.:: : . ', : :. :'" . ..~ . . ,;. · . · .-~ . · , · .-' .. . .~. : · · .; ' ..... ~ ; ..~ · : .;'' . · ... · " : .' . . . : .... ~.': . . · : '....'.... -.. . ... '.- .': ..'.. . :. · ...' · ' F..XH1BI]' · " · .. : : .:' . .. .... .:;. ..' : · '..'. ... . ". ..' ..~- ; ' · .. .,. .' . , .."' . VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that he/she is Pat Dearth (Name) Assistant Legal Coordinat~fr Mobile Consultants, Inc. , plaintiff herein, that (Title) (Company) he/she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint are true and correct to the best of his/her knowledge, information and belief. (Signature) Ww¢ 02749033 SHERIFFIS RETURN - NOT FOUND CASE NO: 2002-05154 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND FIRSTMERIT BANK N A VS SMITH JAMES E ET AL R. Thomas Kline duly sworn according to law, inquiry for the within named defendant, SMITH JAMES E ,Sheriff or Deputy Sheriff, says, that he made a diligent DEFENDANT who being search and but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT - REPLEVIN NOT FOUND as to the within named DEFENDANT , SMITH JAMES E PER POST OFFICE, MOVED LEFT NO FORWARDING ADDRESS. Sheriff's Costs: Docketing 18.00 Service 13.80 Not Found 5.00 Surcharge 10.00 .00 46.80 Sheriff of Cumberland County WELTMAN WEINBERG REIS ll/04/2002 Sworn and subscribed to before me this ~~!~ day of ~'~e~ A.D. Pr6t~ondtary SHERIFF'S RETURN - U.S. CASE NO: 2002-05154 P COMMONI~EALTH OP PENNSYLVANIA COUNTY OF CUMBERLAND FIRSTMERIT BANK N A VS. SMITH JAMES E ET AL CERTIFIED MAIL R. Thomas Kline Sheriff of Cumberland County, Pennsylvania, who being duly sworn according to law served the within named DEFENDANT ,SMITH DOP~A J by United States Certified Mail postage prepaid, on the 25th day of October ,2002 at 0000:00 HOURS, at 6155 CROSS CORNERS BATH, NY 14810 and attested copy of the attached COMPLAINT - REPLEVIN with a true Tegether The returned receipt card was signed by DOP~A SMITH i0/28/2002 Additional Comments: on Sheriff's Costs: Docketing 6.00 Cert Mail 4.88 Affidavit .00 Surcharge 10.00 .00 20.88 Sheriff of Cumberland County Paid by WELTHAN WEINBERG REIS Sworn and subscribed to before me this ~ day of 2cm2_ A.D. /Pl~ot honor ary on 11/04/2002 · Complete items 1, 2, and 3. Aisc Complete item 4 if Restricted Delivery is desired. · Print your name and address on the reverse so that we can return the card to you. · Attach this card to the back of the ma,piece, or on the front if Space permits. 1. Article Addressed to: Dora j. Smith 6155 Cross Corners Bath, NY 14810 4. Restricted Delivery? 7001 2510 0009 1017 8534 ~ PS Fqrm 3811, August 2001 Domestic Return Receipt IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N.A., SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Plaintiff vs. JAMES E. SMITH AND DORA J. SMITH No. 02-5154 CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT AS TO DORA SMITH ON COUNT II ONLY Defendants FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: WILLIAM T. MOLCZAN, ESQUIRE PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#02749033 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N.A., SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Plaintiff VS. JAMES E. SMITH AND DORA J. SMITH Defendants Civil Action No. 02-5154 CIVIL TERM PRAECIPE FOR DEFAULT JUDGMENT AS TO DORA SMITI I TO THE PROTHONOTARY: Kindly enter Judgment against the Defendant, Dora J. Smith, above named, in the default of an Answer, as to Count II in the amount of $44,070.25 computed as follows: Amount claimed in Complaint Interest from 9/26/02 to 12/19/02 at the rate of $12.85 per diem TOTAL $42,990.85 $1,079.40 $44,O7O.25 I hereby certify that appropriate Notice of Default, as attached has been mailed in accordance with PA R.C.P. 237.1 on the date indicated on the Notice. WELTMAN, WEINBERG & REIS CO., LP.A. By: _' '~ _ ~ ' ' WILLIAM T. ~' ~C~N, ESQUIRE PA I.D.#47437 / Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#02749033 Plaintiff's address is: c/o Weltman, Weinberg & Reis Co., LP.A., 2718 Koppers Building, 436 th PA 15219 7 Avenue, Pittsburgh, And that the last known address of the Defendant is: 6155 Cross Corners, Bath, NY 14810 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N.A., SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Plaintiff VS. JAMES E. SMITH and DORA J. SMITH Defendants,.- Civil Action No. 02-5154 Civil Term TO: Dora J. Smith 6155 Cross Corners Bath, NY 14810 I._M PORTANT NOTICF YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER A WRITTEN APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPQRTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP. LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 PA I.D. #47437 "/' WELTMAN, WEINBERG & I~EIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR//02749033 _VERIFICATION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section 4904 relating to unswom falsification to authorities, that the parties against whom Judgment is to be entered according to the Praecipe attached are not members of the Armed Forces of the United States or any other military or non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940. The undersigned further states that the information is true and correct to the best of the undersigned's knowledge and belief and upon information received from others. WELTMAN, WEINBERG & REIS CO., L.P.A. By: /' ' ~/ I.D.#47437 ~/- ...... Weltman, Weinberg & Reis Co., L.P.A. 2718 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#02749033 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N.A. SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Plaintiff VS. JAMES E. SMITH and DORA J. SMITH Defendant No. 02-5154 CIVIL TERM PRAECIPE FOR SATISFACTION OF JUDGMENT AS TO REPLEVIN COUNT ONLY FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA. I.D.ff47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#02749033 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N.A. SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Plaintiff VS. JAMES E. SMITH DORA J. SMITH and Civil Action No. 02-5154 CIVIL TERM Defendant PRAECIPE FOR SATISFACTION OF JUDGMENT AS TO REPLEVIN COUNT ONLY At the request of the undersigned attorneys for the Plaintiff, you are directed to satisfy the above-captioned Judgment. Sworn to and subscribed before me this _ ctay. of Ap?l, 03 NOTARY pUBLIC ~OTAR~A~ WELTMAN, WEINBERG & REIS CO., L.P.A. p/~. i~.~. T~TM4O31~za ~, Esquire" - WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR #02749033 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N.A. SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Plaintiff VS, JAMES E. SMITH and DORA J. SMITH Defendants No. 02-5154 CIVIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE TO REFILE AS TO JAMES E. SMITH ONLY FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA I.D. #47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#02852456 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION FIRSTMERIT BANK, N.A. SUCCESSOR IN INTEREST TO SIGNAL BANK, N.A. Pleintiff VS. JAMES E. SMITH and DORA J. SMITH Defendants Civil Action No. 02-5154 CIVIL TERM AS TO JAMES E. SMITH ONLY PRAECIPE TO SETTLE, DISCONTINUF AND END WITHOUT PREJUDICE TO REFILE AS TO JAMES E. SMITH ONLY TO THE PROTHONOTARY OF CUMBERLAND COUNTY: SIR: Settle, Discontinue and End the above-captioned matter upon the records of the Court without prejudice to refile and mark the costs paid. SWORN TO AND S,~SCRIBED before me this /-j~ day WELTMAN, WEINBERG & REIS CO., L.P.A. 2718 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#02852456