HomeMy WebLinkAbout00-00518
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BLAZER CONSUMER DISCOUNTY COMPANY,:
Plaintiff
IN mE COURT OF COMMoN PI..SAS OF
:
CUMBERLAND
COUNTY I PENNSYLVANIA
VS.
!
CIVI1. ACTION-lAW
No;.;;2000 - Sl f
Cc,," LL~
200.0 . {
CHALRES W. LYNCH and
LINDA L. LYNCH, his wife
Defendants
.
.
:
IN ASSUMPSIT
- NOTICE -
YOU HAVE BeEN SUED IN COURT; l! yoU wish to defend against the
claims set forth in the foiiowih9 pages. yoU mUst talce li.cUbrl Wi~hin twerity (20)
days after this Compiaint ~d Notic~ire servedj by tinterin? a written appear-
ance personaily or by attorney arid fiiihdih WfitindWith tbe CoUrt your
defenses'or objections to the ciaims set fortb Against you. You ire warned
that if yoU fail to do so the case may proceed without yoU and i judgment may
be entered against yoU by the CoUrt withoUt further notieefor any money claimed
in the Complaint or tor any other ciaim or relief r~qltested by the Plaintiff.
You may lose money or property or other fights important to yoU.
YOU SHOULD TAKE nHs I'APEn 1'0 YoUR LAWYER AT bNCE. IF YoU 00 NOT ftAw
A LAWYER OR CANNOT AFFORD ONE; GO to OR TELEPHONE 'IttE OFFICE SET FoRnt ~ 1'0
FIND OUT WHERE YOU cAN GET LooAL, HElP. "
Court Administrator
3rd Floor- Cumberland County Courthouse
Carlisle, Pennsylvania 17013
Telephone: 717-249-1133
- ~TICIA -
Le han demandado a listed en ia corte. 5i listed qUiet. defendersede
estas demandas,exptiestas ittl laspaginas ~i9liiehtes; listed ii~. vierite (20) dt..
de plazo al partir de 1a fechi dela demirida'y ia'noifflcaci&n. U.iid deb.
presentar Una aparienciaesctita ci en persona h por abogado y arch!var eri la
corte e/1 forina escd ta sUs deferlsas b sUs bbj.c!ones i Ui deJiwtda. en eouid
de sti persona. Sea av:l.slidd ql1e sl, listed bdse &detJdej ia eo.i. toDailrl .edidali
y puede entrar Una orden contra usted stri previa lviso b notftfeacf6n y po~
cualquir qtieja 0 alivio, qU~ es pedido en iapetici6n de de.anda. Usted pl1ede
perder dinero 0 sus propiedades dottos &tet:hos impottantespara listed.
LLEVE ESTA PEMANDA A UN ABooAGo tMMEl;>IAt'EMENTB. 51 No T~BNB AsooAbo
o SI NO nENE EL DI~ERO SUFICIENTE l?& PA~,tAL SERVICIOi vAyA EN PERSCtIA 0
tU\ME PeR TELEFONO A LA OFICINA CUYA bIltacCIbN: SE ENCUENTRA BScRITA AWo pARA
AVERIGUAR DONDE SE PUEDE CONSEGUIR AstSTENCIA lEGAL.
Court Administrator
3rd Floor - Cumberland County Courth use
Carlisle, Pennsylvania 17013
Telephone: 717-249-1133
John j. krafsi9;jr.j Esquire
Attorney for Plaintfff
2921 North Front street
~arrisbtirg; Pennsylvania 17110
(717-236-2109)
,,' ~
BLAZER CONSUMER DISCOUNT COMPANY
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
VS.
CIVIL ACTION - LAW
.-
NO. ~.S'; l"'~ /1000
CHARLES W. LYNCH and
LINDA L. LYNCH, his wife,
Defendants
IN ASSUMPSIT
COMPLAINT
AND NOW, comes the above mentioned Plaintiff, by its
lawful counsel, John J. Krafsig, Jr., Esquire, who demands judg-
ment against the said Defendants, pursuant to their contractual
obligation to the above mentioned Plaintiff, in the present sum
of Thirteen Thousand One Hundred Sixty-seven Dollars and 52/100
($13,167.52), plus reasonable attorney's fees of $1,316.70 and
all costs of suit; upon a certain cause of action, whereof the
following is a statement:
1. The Plaintiff is a corporation duly qualified
to do business within the Commonwealth of pennsylvania, with its
office situate at 901 East Main Street, Palmyra, Pennsylvania
17078.
2. The Defendants are adult individuals resid-
ing at 224 Pattison Drive, Shippensburg, Cumberland County,
Pennsylvania 17257.
- 1 -
~"~=
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3. On or about July 22, 1999, the Defendants
refinanced an existing obligation with the Plaintiff; in the
then sum of $13,471.18, the terms of which are more particularly
set forth in Plaintiff's Exhibit "A", a true and correct copy
of which is attached hereto and made a part hereof.
4. That pursuant to Plaintiff's Exhibit "A",
the Defendants were required inter alia, to make monthly pay-
ments of $224.00 per month, commencing September 1, 1999 until
the total obligation of $13,471.18 was paid in full.
5. The Defendants have defaulted and in breach
of their agreement, have only made two (2) payments for a total
of $305.18, leaving a present balance due of $13,167.52, due
and payable on the said account.
6. That the Defendants further agreed, pursuant
to Plaintiff's Exhibit "A", that in the event of default of the
said obligation, of 10 days or more, in addition to all costs
and expenses, they shall be subject for reasonable attorney fees.
7. That the Plaintiff has incurred reasonable
attorney fees of $1,316.70 to John J. Krafsig, Jr., Esquire,
counsel of record, involving the preparation and filing of suit
on January 19, 2000; and the expenditure of time and effort to
collect the said moneys by proceeding in the Court of Common
Pleas of Cumberland County, Pennsylvania; and the matter of
Compulsory Arbitration under the Rules of the Cumberland County
- 2 -
.
Court; and that the reasonable and fair value of said services,
relating to the amount of the indebtedness and the work involved
a reasonable sum of $1,316.77, for which judgment is further
demanded.
WHEREFORE, the Plaintiff demands judgment against the
Defendants in the present total sum of $14,484.52, together
with all costs and interest as called for in said Plaintiff's
Exhibit "A".
AND THEY WILL EVER PRAY;
17110
Dated: January 24, 2000
- 3 -
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DITOR-SECURED PARTY (NAME AND ADDRESS)
ACCOUNT' 80ft WERtsl
CHARLES W LIHCI!
224 PATTlSIlI! U~" .
SHII'I'fHS9URG PA 17257.UOOU
c
9LAZE~ CUHSUHE~ UISCOUIff CllI!PA/iY
991 ~AST IlAIH STREET
PAUlI/lA PA 17U7a'ODilIl
\,,~
I""""~- ,;"",
lINIlA L LIHCH
224 PAT)'ISUN U~
SH'rr~IjS9U1Ul
PA 1?257'9QOQ
~';;.'1' \
7/22/99
13.471.19 .
NETTOIlOllIlOWEIIl51
9.250.99
D41'fOFUlAN
.
OISA8ILlTY1NSURAHCE
","OM
0224.00
TOTAl.OfPAYMENTS
.00
TOTAl.FINANCECtIARGIi
thlWOIlf8BnllceOlarval
. 4.434.94
"DTF
IN CONSIDERATION Of A LOA~ flle4e bV the Credllor, the unclert!ilgned Jointly &1Il4 severelly promise to pay to the order of the Creditor, at Its
office, ~ Tot~1 of Peyments In t;luooBsslve monthly payments as s~l forth above. Suoh payments are payable on the first Payment Due Date and on Itle
~",me day of each succeeding rronth for Jtie term at the loan. . .
A default 1ft tt'le paYffienl of allY BUrn ~ue shall a~ the optio" of 'he Creditor, Its assignaas or subsequent holder tlereof, and wlttmut notice or
damand, fender the ~ntire unpaid bala"ce of the principal and accrued Intereat due and payable, less any required refunds, and acceptance of payment
after default shall not constitute f! waiver ~ereof. The undersigned agree to pay en f!ddltlonal charge of one and one-helt per cent 11 1/2%1 per month of
the amount whloh is extended, deferred or In detauf~. Such charge shall flOt be /asS than OM do/l8r 1ft .001 for anV extenslol'l. deferment or dElf8ult of
ten nOI days ~r mOfe. In the"evenJ aCJlo'l 'or enforcament of cOllect,lon of ~Is Note Is Instituted, there shali ~e Immediately due, In addition 10 the
unpaid balance and default charges, all CO!'!ts and. expenses of auc,", action, tOQethar ~Ith reaSOnable attorney fees. All parties to this Note se....erally
\>Val....e presentl'!'lent, demand, notice of nOl1"payrnent and protest. ' "
T",18 Noq:! beallllnterest ~fter JTlatur,~ at the fate of onli' an~ ol1e-1'alf parcent 11 112%/ simple Intereat per IJ'lOnth on any balances outatandlng after
,"aturlty.' .
On prepeYl'flef1t of the obligation, (allt this loall has ~ term of 61 montl'l6 or less, any unearned Intereat'portion of tne finance ,Cl1arge shall be
computed using the Sum of Digits Rule, or lbl If this loan l1a& a ~erlT' of more than 61 rnontns or if lhls Is a Section 32 Real Estate fJlortgage Loan, any
unearned Interest portIon of ttle finance Charge stlall be computed using ~ha actuarial roetholt. 1\10 rebate in an afTlllul1t less lOal1 $1.00 Is required. The
~ervrce charge is not refundable. .
EXT.CHAlIOE
11l1I'BYmIllII
31.19
l;ECURITY AC>REEME!'lT
To secure the payment of a loao made to the ~orrowerl!illn the amount and on Itle terms stated abo....e, the undersigned Borrowers grant I security
Interest to ~ Cr!'idltor in the followlOQ described property:
[i] Consumer goods flOW OWflBd jly BorroW\lr(s), located at Borrower's residence at me address shOwn abo....e, as listed 011 attached Form 0321.
o MotQr ....~hlclels) and aocesslons thereto: "
MM'
STYLE ANO ,",ODaL
ID~NTlfICATION NUMaER
VEAR
OTHER IOEt(rlfICA TION
c=J The goods or proparty being purchase" (describe):
CJ Other (describel:
If checked here ~,thiS Note is sec~relbY ~al estate.
. . .
. . .
Borrowers covenant they will procure such insurance of the described propertY I" a reasonable amount as may be legally required ~y the Creditor,
such insurance 10 name the Creditor as loss payee, and covenant they will keep such Insurance In force for the duration of this Security Agreement.
Such policies and certificates of insurance shell be dellverl~d to the Creditor. You agree that i' you 'all to keep your Insurance policy In force, we may,
but shall not be required to, purohese a,policy protecting our Interest In the collateral against loss or damage and oharge the cost ollllat policy to you.
If default shall occur In the payment'of any debt secured hereby or any condItions of tills Security Agreement.lhen tile Creditor may take Immediate
possession of ttae collateral wherev,?r" found, with or without legsl process, mev requlr8 tl1e Borrowers to ~ssembht the J;oIIateral &n4 make it available to
the Creditor at a place reasonably convenient '0 both panles ~nd may exercise eny rights and remedies grantad a Secured Party by the Uniform
Commercial Code on default Py the Borrowers. After giving reesoflable notlflcatlol1 of the time, place and manner .of dlsposltlo~ to the Borrowers, the
Creditor m8Y sell, lease or otherwise <<$ispose of the collateral In ~ commercially reasonable manner at publiC or private procea~lngs. The Creditor may
buy at ,uch Bale and rtw property may bB Bold In bulk OF In pBJ'C8le Of so much thereOf 8S shall be necessary to satisfy the Indeptedness seoured,
Including Interest charges and any reesoflable expeflSe of optalo possession and selling such prop.erty. Tile Cret!ltor mey retain all 'If the proceeds of
sales and shall account tor any surplus to the Borrowers who shall rem~ln liable for any deficit.
.1~
DGEIS) RECEIPT Of
TRUMENT
-~~lA
, WI n... ,
Witness
)C
, orrower
~~ cY~0
uUB1antor
Guarantor
0202.38IPfIl\l\IYlv8llIall/97
~_... ~ "",..
.....~~~
EDE A SCLOSU SATE E
ACC~T ~ ...../SI - CRfO/10R
00251~71 CIlAAlES W LYNCH BLAZER CONSUNEll OISCOUffT COHPANY
221 PAlTlSON DR .' '01 EAST IIAlN STREET
SHIPPENSBURG PA 17257-0000 PALIlYJlA PA 17078-0000
LlIWiI L LYNCH
1 ?24 r~Tm01j IlIl
SHIPPENSBURG P~ 17257'0000
You, your, we, and I refer to t~ Borrowerls).
ANNUAL PERCENTAGE IlAT FINANCE CHARGE
tie cost of your credit . , The dollar amount the
8 {I yeari,! r8te. creqll will cost you.
% $
16.88
Your a mont sChedule will be:
ONE OF AND OF
4.434.~
PAYMENTS ARE DUE
.
59 ·
224,00
MONTHLY BEGINNING 9/01199
LATE CHAflGE: It e payment 18 10 or JTlor~ qays late. you wlll!;lll charged 1 112% of the unpaid emount of the payment per month or .'.00.
whichever Is greater.
PREPAYMENT: If you ~ay off (tarly, you may bllllntltled to a refunq 0' part .of the finance charge.
See your contracJ documents for any addltlona! Information about flonpayment, qllfault, any rllquiraq repayment In full bllfore the schaduled date.
pr~Yfl16m r~'und8, paosltiB", ~m~ a&CUllty lnt6l"B9ts. ",
Insurance
Credit Life Insurance and Credit Plssbllity Inaurance are nOt required
to oblaln credit, and will not be provided unless you algn anQ agree to
pay ttle additional coat. The cost of this Insurance ia:
Premium
Joint Credit Life & Single Credit Diaablllly Ina. . 1.045.63
Jcittf CrBdft Ufa In.surance ~ 467.71
Single Credll Life & S!ngle Creqil Disability Ina.. 845.37
Single Credit life Insurance ,267.45
You may cancel this inswance for any reason upon givlnq wrlneq
nolice to the Creditor within 16 da~ frolll your receipt of t!l! insurance
policy or certificate.
I/we elect the Insurence option cl1ecil:et1:
o Single Cre~lt Life & Single CreQit Disability 0 Single Credit Pfe
o Joint Credit Life & Single Credit Pisabilltv ,.0Joint Cr~dit life
You mev obUlln propertY Insurance from anyOI\B you want tlll!it is
ecceptsble to the Credllor. If you get the inllurance from t.l1e Creditor.
you wiU pay . 317.65
25,1B
SECURITY;' you ~rQ QivinQ ~ ~ocurlty Intoroslln;
~ ; /he QOO~S or property boinQ pUTchasod
l.....l-....t : yo~r COI1Sl,Jrner goods
CJ : Your ",olor vohlc!o(.1
E:::I i your r,s,1 8$~at~ loc~t~d at
I
CJ othor (doscrlbel:
Amount Fin8flC6d
The amount of credit prOVided
to you iJf or'! your ~etla!f.
Totof of Poyments
The al"flounl you willllave paid attar
you 118ve made all peyments lIS
acheduled.
$
$
9,036,24
13,471.18
The lerm of any Credit L1fa, Credit DIsability. and Property Insurance
shell be equal 10 the original term of the loan, excluaive of any
deterfmmt, extanshm, d9linquency. 01 othet event wf1Jch may extend the
term of the loan. Credit Ufe Insurence coverage shall reduce monthly.
See the inaurance certiflcale for exact policy provlaions.
The Insurance Indicated flerein III the only Insurance available through
Jhe CreQltor, unleaa you have Qlgned an additional and aeparate
Insurance authorlzallon agreeing to pay the cost of other Inaurance
products. fIIellher tf\e Creditor nor the insurer Is your sgent. broker or
fiduciary for Obtaining inaurance. You understand thai the Creditor and
Its insurance affiliate anticipate profits from ttle sale of credit Insurance.
If tills ioan Is subJecl to 8 rlgll~ of rescission, Insurance coverage does
not begin until expiration of the rescl8siol1 period. " you selecled partial
coverage. the amo nt 0' insurance may not b tficle payoff your
loan.
'9,036,24
ITEHIZATlON OF AMOUNT flNANCEO OF
AHT. &IVE~ TO yoo OlIlECTLy".,......, 1.51
AMT. PAID ON YDUR ACC!. '# 00209166 I' 8.079,31
AHT, PAID TO OTHERS ON YOUR BEHAlF,
BLAZEI\...................... .......... ,
BLAZER.............. .................. !
CREDIT LIfE INSlJllANCf C/lIfPANY......... ,
PROPERTY INSURANCE COMPAMY....., . ' , .. . ,
TOTAl. AI10UffT f1l!AHCEQ...,............. ,
150,00
17,00
467.71
J17.6S
9,036.24
PRfPAI0 'fINANCE CHARGE.,....,.........
150.00
I/we acknowledge receipt of 8 l;lQmpleted copy of Il1ia Foderal Disclosure St~tefllenl.
Dato: JllLY 2~ a~d,-fl/~" 1 9. '
B Borrowo~ (~cY U~C/]
orrower I r
02110-3Sll'ennsytllafTis/3187
PLAINTIFF'S EXHIBIT "A"
~.
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VERIFICATION
AND NOW, to wit, this
~5~
day of January, 2000,
I, Scott Martin, Manager for the within Plaintiff, Blazer Consumer
Discount Company, do hereby certify and state the facts as set
forth in the foregoing Complaint, are true and correct to the
best of my information, knowledge and belief.
I understand that false statements herein are made
subject to the penalties of
18 Pa. C.S.A. ~4904 relating to
unsworn verification to authorities.
BLAZER CONSUMER DISCOUNT COMPANY
~~
Scott Martin, Manager
By:
~~..
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Prothon.-3
J;lJ.I.I..:>jJj:R.m!'l!?~.m.!?mYm..m~NTI'.........
Plaintiff
..........................................................
VB.
CHARLES W. LYNCH and
r:i~ii.i::.I:~Cii;..ilis..~i!'Ei....................
Defendants
........................................................
.......................................................
'c.
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I n the Court of COMMON PLEAS of
CUMBERLAND
~ County
of ......h........................................ Term. 2000
No .. ....9!l~}..~......... ... ............ ...
.... .:I:}l .N;>::i1JM\'~Jr... /.............................;
..........................................;...............
........... X9.1J. .en'.€!. h'i'.WRY. .~~"l!WRt~9. .t9.. 9:~~.c;mJ:.~tl~'i'.. th'i'.. #?<?X'i'.. ~~tA'?~. !l.l?9.~... ./..........
the Official Appearance D<;lcket.
.. . ..~.K:.~.~,... j,~,,"
Att;;'~7f .,:f:1,'ain tiff
JOHN J. KRAFSIG. lit
Altorney at Law
2921 N. Front Street
Harrisburg, PA 17110
.......................................................................................................................
..............................,....................'......................................................................
........ ............ .... .. i ~ ~....... ... .........................................;.........................................
. . . . . . ....'. . ,. . . . . .. . . .. . ~. . ... ... . . . .. . .. ~. . . . ... . . ... .. . ... . . . ... .. . . ..... . . .. . . .. . ... . . .. . ... Ii . . .. .. .... . . . . ~ .... . .... .....
.. .... ......... . ............. ~............. ~.............................. .................................................
TO~
Prothonotary
. .E:'i'p.rn~F.Y. .?,.... ..111./...... ?~9!l............./ .
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SHERIFF'S RETURN - NOT FOUND
.
CASE NO: 2000-00518 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
BLAZER CONSUMER DISCOUNT CO
VS
LYNCH CHARLES W ET AL
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
LYNCH CHARLES W
but was
unable to locate Him in his bailiwick. He therefore returns the
COMPLAINT & NOTICE/ASSUMP,
, NOT FOUND , as to
the within named DEFENDANT
, LYNCH CHARLES W
RETURN NOT SERVED AS PER ATTORNEY ON 1/28/00.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
18.00
.00
.00
10.00
.00
28.00
~z~
9/'.' Thomas Kline
Sheriff of Cumberland County
BLAZER CONSUMER DISCOUNT CO
01/28/2000
Sworn and subscribed to before me
this
~y~
day of J~
fk-trrJ A.D.
gttL- () ~;,,) I ~ '
Pr onotary
,
.
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SHERIFF'S RETURN - NOT FOUND
CASE NO: 2000-00518 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
BLAZER CONSUMER DISCOUNT CO
VS
LYNCH CHARLES W ET AL
R. Thomas Kline
,Sheriff or Deputy Sheriff, who being
duly sworn according to law, says, that he made a diligent search and
inquiry for the within named defendant, DEFENDANT
LYNCH LINDA L
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT & NOTICE-ASSUMP,
, NOT FOUND , as to
the within named DEFENDANT
, LYNCH LINDA L
RETURN NOT SERVED AS PER ATTORNEY ON 1/28/00.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
6.00
.00
.00
10.00
.00
16.00
.::?,'
R. Thomas Kline
Sheriff of Cumberland County
BLAZER CONSUMER DISCOUNTY CO
01/28/2000
Sworn and subscribed to before me
~f~
day of 3'~
this
:l (}'ZJV A . D .
S1l't~;ot9y Ivtdd;_~ , ~.
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BLAZER CONSUMER DISCOUNTY COMPANY,;
Plaint.iff
IN THE COURT OF COMMoN PLEAS OF
.
.
CUMBERLAND
COUNTY. PENNSYLVANIA
VS.
j
CIVIL AcrION~~
No. ~ooo~tr
Co~ (-7::"-
2000 '~
CHALRES W. LYNCH and
LINDA L. LYNCH, his wife
Defendants
:
:
IN ASSUMPSIT
- NOTICE -
YOU HAVE BEEN SUED IN COtJRT; If yoli wish to defend againiit' the
claims set forth in the foilowing pages. yoU =Ust take ~etibri Within tWenty (20)
days after this Complaint and Notice ate served. by entering _ written ~ppe'r-
ance personaily or by attorney and fi1in9 in ~riting With the CoUrt your
defenses. or objections to ihe ciaims set forib against you. You lre warned
that if yoU fai1 to do so the case ~ay proceed Without ydU ind a judgment may
be entered against yoU by the CoUrt withoUt further notiee for any money claimed
in the Complaint or for any other claim or relief reqUested by the piaintiff.
You may lose money or property or other rights important to yoU.
YOU SHoULb TAKE nits PAPEIt TO YOUR lAWVEIt AT ONCE. IF YOU 00 NOT iiAw
A LAWYER OR CANNOT AFFORD ONE; GO to OR TeLEPHONE niB OFFICE SET Foont lmlm 1'0
FIND OUT WHERE YOU cAN GET LEGAL, HELp. "
Court Administrator
3rd Floor - Cumberland County Courthouse
Carlisle, Pennsylvania 17013
Telephone: 717-249-1133
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- ~ncIA -
Le han demandado a listed ed 14 corte; si Usted quieto defendersede
estas demandas,expUestaseri las pagiHas higliiehtesj Usted tien_ vionte (20) dial
de plazo al parHr de ia fecha lie U detdlllidaj 1ahoHdc:tei&iU t1et~d debv
presentar tiha apariehcia esctita 0 ed persbnt b por ihogado y ixch!var en la
corte en forma escrita GUS defensas b sUa bbjacfbnes 1 1" deminda. en contra
de su persona. Sea avlsalid que si Usted hd se ~fiellde, 1_ co~te tomarl .edid&8
y pUede entrar una ordeh cohtra listed sirl previti lviso b botiflcac16n y par
cualquir queja 0 alivio qU~ es ped!do en ii petici6n de demandi. Uated plied.
perder dinero 0 sus propiedades d oiros detechos impOrt~te8para Ueted.
LLEVE ESTA OEMANDA A UN ABOOAGQ iMMimlA~7S. 91 No tIlINIl ABOOAbO
051 NO TIENE ~L D1~ERO SUF1CiENTB on ~AGArt TAL SEnVICIOj vAyA EN'PBRSONA 0
LLAME I'OR TELEFONO ALA Of'ICINA CUYA DIRECCION si;. ENcuEkIRA l!SCRI'IA ABAJo PARA
AVERIGUAR DONDE SE PUEOE CONSEGUIR AslSTENCIA lEGAL;
Court Administrator
3rd Floor, - Cumberland County Courth use
Carlisle, Pennsylvania 17013
Tele8hone: 717-249-1133
TRUE COpy FROM RECOR
In T es.!rriO\'\! whefllol, I r.'i.lre ..!!'Ita ~t my ha!ld
and t~ saai 01 said Coo..1 at Carlisle, Pa.
1m Rday .
~
Johri j; krafsi9J Jr.1 EsqUire
Attothey fot Plaintiff
2921 North Front street
~artisbUrOI Penrisyivania 17110
" (717 ,.~36.,.2109)
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BLAZER CONSUMER DISCOUNT COMPANY
Plaintiff
IN THE COURT OF COMMON PLEAS, OF
CUMBERLAND COUNTY, PENNSYLVANIA
VS.
CIVIL ACTION - LAW
NO.
2000
CHARLES W. LYNCH and
LINDA L. LYNCH, his wife,
Defendants
IN ASSUMPSIT
COMPLAINT
AND NOW, comes the above mentioned Plaintiff, by its
lawful counsel, John J. Krafsig, Jr., Esquire, who demands judg-
ment against the said Defendants, pursuant to their contractual
obligation to the above mentioned Plaintiff, in the present sum
of Thirteen Thousand One Hundred Sixty-seven Dollars and 52/100
1$13,167.52), plus reasonable attorney's fees of $1,316.70 and
all costs of suit; upon a certain cause of action, whereof the
following is a statement:
1. The Plaintiff is a corporation duly qualified
to do business within the Commonwealth of Pennsylvania, with its
office situate at 901 East Main Street, palmyra, Pennsylvania
17078.
2. The Defendants are adult individuals resid-
ing at 224 Pattison Drive, Shippensburg, Cumberland County,
Pennsylvania 17257.
- 1 -
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,."
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3. On or about July 22, 1999, the Defendants
refinanced an existing obligation with the Plaintiff; in the
then sum of $13,471.18, the terms of which are more particularly
set forth in Plaintiff's Exhibit "A", a true and correct copy
of which is attached hereto and made a part hereof.
4. That pursuant to Plaintiff's Exhibit "A",
the Defendants were required inter alia, to make monthly pay-
ments of $224.00 per month, commencing September 1, 1999 until
the total ,obligation of $13,471.18 was paid in full.
5. The Defendants have defaulted and in breach
of their agreement, have only made two (2) payments for a total
of $305.18, leaving a present balance due of $13,167.52, due
and payable on the said account.
6. That the Defendants further agreed, pursuant
to Plaintiff's Exhibit "A", that in the event of default of the
said obligation, of 10 days or more, in addition to all costs
and expenses, they shall be subject for reasonable attorney fees.
7. That the Plaintiff has incurred reasonable
attorney fees of $1,316.70 to John J. Krafsig, Jr., Esquire,
counsel of record, involving the preparation and filing of suit
on January 19, 2000; and the expenditure of time and effort to
collect the said moneys by proceeding in the Court of Common
Pleas of Cumberland County, pennsylvania; and the matter of
Compulsory Arbitration under the Rules of the Cumberland County
- 2 -
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Court; and that the reasonable and fair value of said services,
relating to the amount of the indebtedness and the work involved
a reasonable sum of $1,316.77, for which judgment is further
demanded.
WHEREFORE, the Plaintiff demands judgment against the
Defendants in the present total sum of $14,484.52, together
with all costs and interest as called for in said Plaintiff's
Exhibit "A".
AND THEY WILL EVER PRAY;
ra sig,
Attorne for Plaintiff
2921 North Front Street
Harrisburg, Pennsylvania 17110
Telephone: 717-236-2109
Attorney's I.D. #06840
Dated: January 24, 2000
- 3 -
'-
DITOR-SECURED PARTY INAME AND ADDRESSI
ACCtlUNT , BORROWER 51
lIill'lio"
CHARLES W LYNCH
224 PATTISON DR
SHIPPENSBURG PA 17251.BDDD
BLAZER CONSUMER DISCODIII ClJtPANY
901 EAST HAIN STREET
PALltYRA PA 17D7B.DDDD
LINDA L LYNCH
224 PATTISON DR
SHIPpENSBURG PA \7257,0000
pt,UOflOAN mTALOfPAYMfH1"Il
7/22/99
.
IlISollllUJVIlfSUFWlCI!
PlIEMIU,.
"
224.00
13.471.18 .
I4ETTO~llIl
.00
8,250.88
.
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9/01/99
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31.18
WfAl.ll1W1CfrHAllGl
IlnI...1t+ s...1ct0l8rgtl
. 4,434.94
NDTO
IN CONSIDERATION OF A lOAN I'flade by the Creditor, the undersigned lolntly and soverally promise to pay to the order of the Creditor, 8t Its
olflce, the Tot~1 of Payments In successive monthly payments 8S Bel 'orth above. Such payments are payable on the First Payment Due Date and on the
8ame dav of each succeeding month for the term of the loan.
A dafauJt lp the pavment Of.IIlV sum due shaD ot the optiO!) of the Creditor. 118 aS8wna8e or subsequent holdar hareof. and wllhOl.u notice or
demand. render the entire unpaid balance of the princIpal and accrued Intereat due and payeble, leaa any required refunds, and acceptance of payment
aher defaull ahall not con$t1tute a waiver thereof. The undersigned agrea to pay an additional charge of one and one-hall par cent (1 1/2%1 per month 01
the amount which Is extended. daferred or In default. Such charge ahall.not be lesa then one doller ($1.00) for any extenskln, deferment or defeult of
ten (101 days or mora. In the eve", actkln for enforcement of collection of this NOla Is Instituted, there shan be Immediately due, In eddltlon to the
unpaid balance and default chargee, all cOllta and. eKpenses of auch action, together with reesl)nable attorney fees. All parties to this Note saverally
waive presentment, demand. notice of non.payment and protest.
Thla Note bearl Interesl elter maturity at the rate of onl and onl""oll percent 11 112%1 simple Intereat par month on any bolancee outstanding aller
maturity. .
On prepayment of the obligation. la) If this loan has a term of 81 montha or fea8, any unearned Interest portion of ttle Anance Ctlerge atlall be
computed using the Sum of Digits Rule, or lbllt thlllloen has a term of more Ihan 81 montha or It thlala e Sacllon 32 Real Estate Mortgage loan. any
unaarned Interest portion ollhe Finance Charge shall be computed using ~he actuorlel method. No rebate In an amounlless than ".00 Is requIred, The
serVice cherge Is not refuhdable.
SECURITY AGREEMENT
To secure the payment of a loan made to the Borrower Is!. In tha'.amount and on the terms stated above, ttle undersigned Borrowers grant e security
Inlerest 10 tha Creditor Inlhs following described property:
[i] Consumer goods !lOW OWllad by Borrowarlsl, located at Borrower's realdence et the eddress shown above, a$ listed on attached Form 0321.
o Motor \ll!'hlclalsl end Bccesrslons thereto: '
MAKE STYLE AND MOOEl IOENTIFCATlON UMBER 0 ERlOENTfffCATlON
c=J The goods or property baing purcha89d ldescrlbel:
c:J Other ldescrlbe):
" checked here C.::J, this No'a Is sec':uelbY ,~, estate.
Borrowers cov8hent they will procure such (nsursm:e 01 the described property In e reasohabla amount a8 may be legally required by the Creditor,
such insurance to name the Creditor 8S loss payee, and covenantlhaY will keep auch Insurance In force for the duration of this Security Agreement,
Such poJJcles and cerlllJcateo of lnswanc8 shall be dellvered,to the Cradltor. You 8grea that II you fall to keep your Insurance policy In forca. we may.
but ahall not be required to, purchase a policy protecting our Interest In the collateralsgelnst loss or damage and charge thO,COBt ot ",st policy to you.
If delaull shall occur In the paymenl of any debt Becured hereby or eny conditions of thle Security Agreement. then tha Creditor mey take Immediate
po.sesslon 01 the colleteral wherever found, wllh or without lagal process. may require the Borrowers to essembla the collateral and make It evallable to
1h8 Creditor al B place teaaonably convenient to both partlee and may eK8rclse eny rights and remedies grsnted a Secured Perty by tha Unllonn
Commercial Code on dalault by the BorrOwers. Altar giving reasoneble notification of Ihe time, place and manner 0' disposition 10 the Borrowers. the
Creditor may sell, lease or otherwise dispose of the collsteralln a commercially felllsoneble manner at public or prlvats proceedings. The Creditor may
buy at such aale and the property may be sold In bulk or In parcels or so much thareof eS shell be nacsssary to setlsfy the Indabtedneas secured,
lncJodJna Inl1l1sst charges and My reasonable eJ<pense of obtlllln possession .and oelllng such property, The Credllor may retain all at the proceedS of
sales and shall account for any surplus to the Borrowers who shall remain liable -for eny deficit.
. . .
. . .
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Wlt.e.e '
.1BJL
DGEISI RECEIPT OF
TRUMENT
)C~~6(~0_
uuar8lllot
0202.38IP8fllllvNIMllIllIl1I1
Guerantor
~
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ACCOUNT,
BORROWERISI
CREDITOR
00251374
CHARLES W lYNCH
224 PATTISON OR
SHIPPENSBURG PA 1725),BOBB
LINDA llYNCN
224 PATTISON OR
SHIPPENSBURG PA 11257-0000
You, your, we, and I reter to the Borrowerla).
ANNUAL PERCENTAGE RATE FINANCE CHARGE
he cost of your credit The dollar amount the
8 8 yearly rale. credit will cost you.
% $
18.08
Your 8 ment schedule will. be:
ONE OF AND OF
4.434,94
PAYMENTS ARE DUE
BLAZER CONSUNER DISCOUNT CllItPANY
901 EAST MAIN STREET
PAU4YRA PA 17078.0000
Amount Financed
The amount of medfl pfOvided
to you or 'on your behall.
Total of Payments
The amount you will have paid aflel
you have made all payments 8S
schaduled.
$
$
9.038.24
13.471.1B
255,]8
59
224.00
HON7HlY 8EGINNING 9/01/99
SECURITY: You are giving 8 security interest In:
c:J the goods or property being purchased
CLJ your consumer goods
c:J : your motor vehlcle(sl
c:J : your real estate located at
1
c::J other Idescrlbel:
LATE CHARGE: " 8 payment Is to or more doys late, you wm be charged 1 112'16 of the unpaid amount of the payment per month Or f1.00.
whichever 18 greater.
PREPA Y,MENT: If you pay oft early. you may be entitled to a relund 01 part of the finance charge.
Sea your' contract documents for any addltlonsllnformatlon abolJl: nonpayment. default, any required repayment In full before the scheduled date.
prepaYl'\lent refunds, peneltles. and security Interests. .
Insurance
Credit life Insurance and Credit Disability Insurance are not required
to obtain credit. and will not be provided unless you sign and agree to
pay the eddltlonal cost. The cost of this Insurance Is:
Premium
Joint Credit Lite & Slnglo Credit Disability Ins. . 1.045,63
Joint Credit Life Insur8nce $ 461,71
Single Credit We & Slngla Credit Dlsabllltv Ins.. 845.37
Single Credit Life Insurance $ 267.45
You msy cencel this Insurance lor anv resson upon giving w'ltten
nollce to the Creditor within 15 deys from your receipt of tho Insurance
policy or .certlflcate.
Ifwe elect the Insurance option checked:
o Single CI8~lt Life & Single Credit Dlsablllty 0 Single Credit Life
o Joint Credit Life' Single Credit Dlaabillty ,0Jolnt Credit Life
You may obtain property Insurance from enyone you want that Is
acceptable to the Craditor. It you get tha insurance from the Creditor,
you will pay . 317~6S
The term of any Credit life. Cradlt DIsablllty. and Property Inauranca
shall be equal to the original term of the loan, exclusive of any
defarmant. extension, delinquency. or other event which may extend the
farm 01 the loan. Credlt lite Insuranca coverage shan reduce monthly.
Sae the Insurance certificate for exact policy provisions.
Tha Insurance Indicated herein Is the only Insurance 8Yallable through
the Creditor. unless you hevs signed an additional and seporate
Insurance Duthorlzatlon sgreelng to pay the cost of ot"er Insurance
products. Nalther tha Credllor nor the Insurer Is Your agenl, brokar or
fiduciary for obtslnlng Insurance. You understand that the Creditor and
Its Inaurance allmete anticipate profits from the 8ale of credlllnaurance.
If .hla loan. la subject to e right of rescission. InSUrance coverage does
not begin until expiration 01 the rescission period. II you selected partial
coverage, the sm nt of lnauranca may not b tIIele pay 011 your
loan,
BORR W R'S SIG TURE FO IONAl CREDIT INSURANCE
r'Md" rY ~> ('-4
BORROWER'S SIGNATURE FOR PTWNAL CREDIT INSURANCE
-Insured for Single Credit Dlnblllty If Single C'edlt Dlseblllty Insursnce Is elected.
19.036,24
ITEMIZATION OF AHOUNT FINANCED Of
"liT. GIVEN TO you DIRECTly.......... 1 4,57
AliI. PAID ON YOUR ACCT. i 00209166 $ 8.019.31
AHT. PAID TO OTHERS ON YOUR BEHALF:
BLAZER... ..,.,................ ........ ,
BLAZER..... ..,......................... 1
CREOIT LIFE INSURAl/CE COHPI\NY... . .. .. . I
PROPERTY INSIJlwicf COHPAlIY............ ,
TOTAL AHOUNT FlNANCEO................. ,
150,00
17.00
467,71
317 .65
9,036.24
PREPAID FIIWICE CHARGE....... . .. .. . .., I
150.00
Ifwa acknowledge receipt of e completed copy of thla Federal Disclosure St~tement.
Oete: JULY 22 ~~.
Borrower \" {iJ~4-?<J ~
( y
0250.;j8IPeonsyl"/llf\le]:t197
Bonowe~
t~cY:M01V,
DTi\TP\ll-J1TJi'lf'IQ P:YHTHTT "'A 'I
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VERIFICATION
AND NOW, to wit, this
;2b~
day of January, 2000,
I, Scott Martin, Manager for the within Plaintiff, Blazer Consumer
Discount Company, do hereby certify and state the facts as set
forth in the foregoing Complaint, are true and correct to the
best of my information, knowledge and belief.
I understand that false statements herein are made
subject to the penalties of
18 Pa. C.S.A. S4904 relating to
unsworn verification to authorities.
BLAZER CONSUMER DISCOUNT COMPANY
By:
41~c
Scott Martin, Manager
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BLAZER CONSUMER DISCOUNTY COMPANY,:
Plaintiff
It! mE COURT OF OJMt.t>tl I'U!J\S OF
.
.
CUMBERLAND
COUNTY; PENNSYLVAN1A
VS.
!
CIVIL ACTION~~
No; a.o<:x;:r- ~ t P
Cl (.)~l~'VLl'1
200.0
CHALRES W. LYNCH and
LINDA L. LYNCH, his wife
Defendants
:
!
IN ASSUMPSIT
- NOTICE -
YOU HAVE. BEEN SUm> IN COURT; H yolt wish to defend i9aibst the
claims set forth in the foilowlh9 pages, yoU mUst take .et!bd With!n tWenty (20)
days after this Complaint and Notice ire served, by lin\ering . written appear-
ance personaily or by attorney arid ii1ihgih Writing With tb. Court ybUr
defenses'or objections to the c1aims set fortb against you. YoU ir~ warned
that if you faii to do so the case ma~ proceed ~ithbUt yoU and l 1udgment may
be entered against yoU by the coltrt withoUt further notice tor any money claimed
in the Complaint or fot any other ciaim or relief reqUested by the Plaintiff.
You may lose money or property or other rights lmportarlt to yoli.
YOU SHOU1..b TAkE nUs PAPER TO YoUR LAwYEtl AT ONCE. IF YOU 00 Nor ltAw
A LAWYER OR CANNOt AFFORD ONEI GO to OR tELEPHONE WE OFFICE SET FoRnI ~ to
FIND OUT WHERE yoU cAN GET LEGAL.HELp. "
Court Administrator
3ra Floor - Cumberland County Courthouse
Carlisle, Pennsylvania 17013
Telephone: 717-249-1133
- OOtICIA -
Le han demandado a usted en ii torte: si listed ~uiet. defenders. de
~stas demandas,exptiestasetl las pagltias sigUlehtes, Usted iiine vi.hte (20) dial
d~ plazo al partir de 1& techa de la de~atidt'1 ianot!flcaci&n. U.t~d deb.
pres~ntar una apariencia esctita 0 en petsoh4 b por ibogido y arch!vat en la
corte ~h forma escrita sUs defensas 0 sUs bbjeclones i lA8 demiridas en contra
d~ sti persona. Sea Avlsadd qUe si usted hd 5e defietide, 1& cozi. tomarl aedida.
y pU~de entrar una orden contra listed siri previa Aviio d botlficac!6n y po~
cualquir qtieja 0 alivio qUe es pedidd erl ia petici&n de demanda. U.te~ puede
perder dinero 0 sUs propieclades d otros derechos Impdttantes ,para listed.
LLEVE ESTA DEMANOA A UN ABODAGO if.lr.lEoIA~m. SI No TIBNR AeoGl\Do
o SI NO TIENE f!L DINER<? SUFICIENTE Of! PAGMt tAt. SERVICld. \iAYA EN 'PERSONA 0
LLI\ME PaR TELEFUNO A LA OF'ICINA CUYA DIIU!ccibN sa ENCUEtnRA ESCRlTA AsAJo pARA
AVER1GUAR DONDE SE PuEnE CONSEGUIR AstSTENCIA lEGAL.
Court'Administrator
3rd Floor - Cumberland County Courth use
Carlisle, Pennsylvania 17013
TRUE COpy FROM RECC:1FtoPhone: 717-249-1133
In T astlmony whereo!, I here unto S(jt my hand
and tbe of said Coo at carlisle. Pa.
T . 1- ay
John J: kr&fsi9J Jr" EsqUire
I~Attothey {or Plaintiff
V ~ 2921 North Front Street
HartisbUr91 Pennsylvania 17110
(717-236-21091
Pro
_e"~N
. -. ~---;
BLAZER CONSUMER DISCOUNT COMPANY
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
VS.
CIVIL ACTION - LAW
NO.
2000
CHARLES W. LYNCH and
LINDA L.LYNCH, his wife,
Defendants
IN ASSUMPSIT
COMPLAINT
AND NOW, comes the above mentioned Plaintiff, by its
lawful counsel, John J. Krafsig, Jr., Esquire, who demands judg-
ment against the said Defendants, pursuant to their contractual
obligation to the above mentioned Plaintiff, in the present sum
of Thirteen Thousand One Hundred Sixty-seven Dollars and 52/100
($13,167.52), plus reasonable attorney's fees of $1,316.70 and
all costs of suit; upon a certain cause of action, whereof the
following is a statement:
1. The Plaintiff is a corporation duly qualified
to do business within the Commonwealth of pennsylvania, with its
office situate at 901 East Main Street, Palmyra, Pennsylvania
17078.
2. The Defendants are adult individuals resid-
ing at 224 Pattison Drive, Shippensburg, Cumberland County,
pennsylvania 17257.
- 1 -
3. On or about July 22, 1999, the Defendants
refinanced an existing obligation with the Plaintiff; in the
then sum of $13,471.18, the terms of which are more particularly
set forth in Plaintiff' s, Exhibit "A", a true and correct copy
of which is attached hereto and made a part hereof.
4. That pursuant to Plaintiff's Exhibit "A",
the Defendants were required inter alia, to make monthly pay-
ments of $224.00 per month, commencing September 1, 1999 until
the total obligation of $13,471.18 was paid in full.
5. The Defendants have defaulted and in breach
of their agreement, have only made two (2) payments for a total
of $305.18. leaving a present balance due of $13,167.52, due
and payable on the said account.
6. That the Defendants further agreed, pursuant
to plaintiff's Exhibit "A", that in the event of default of the
said obligation, of 10 days or more, in addition to all costs
and expenses, they shall be subject for reasonable attorney fees.
7. That the Plaintiff has incurred reasonable
attorney fees of $1,316.70 to John J. Krafsig, Jr., Esquire,
counsel of record, involving the preparation and filing of suit
on January 19, 2000; and the expenditure of time and effort to
collect the said moneys by proceeding in the Court of Common
Pleas of Cumberland County, Pennsylvania; and the matter of
Compulsory Arbitration under the Rules of the Cumberland County
- 2 -
"-' ~
".",; ,-, "".,~ "~'" '::;
Court; and that the reasonable and fair value of said services,
relating to the amount of the indebtedness and the work involved
a reasonable sum of $1,316.77, for, which judgment is further
demanded.
WHEREFORE, the Plaintiff demands judgment against the
Defendants in the present total sum of $14,484.52, together
with all costs and interest as called for in said Plaintiff's
Exhibit nAn.
,AND THEY WILL EVER PRAY;
17110
Dated: January 24, 2000
- 3 -
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DITOR-SECURED PARTY INAME AND ADDRESS!
ACCOUNT' II WE ISI
00251374 CIMRLES W LYNCH
224 PATTISON DR
SJjIPPEHSllIJJlG PA 17257-0000
IltAZER CONSlJHER DISCOUNT COHPANY
901 EAST NAIN STREET
P/lUf/RA PA 17078-0000
lINDA L LYNCN
224 PATTISON DR
SNIPpENS8URG PA \7257.0000
7/22/99
.
IllUIllU1YIt.lSU~CE
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(1224.00
13.471.18 .
HUTOllOflIlOWEIlISI
DATfOFw..H TO'.....Of'...VMEIi"
.00
8.250.88
TOT"'" flH.utC! ctIolIIQI
IInWm..llotok"ClItI1ltl
. 4.434.94.
NOTE
"., CONSIVERATION Of A LOAN mads bV the Creditor. th6 undersigned JolntlV and 66V8(8IIV proml8e fa pay to the order of (he Creditor. Be Its
office. the Tot,!1 of Pavm~nl8 In successlva monthly peyments as sat forth above. Such payments lIrB pavable on tho First Payment Due 0818 and on the
ssrna day of 6ach 8lJccesdlna month tor the term of the loan.
A detatdt 1fI the payment of any sum duEl shaU at the option ot the Creditor, Its 811slgn888 or subsequent holder hereof. and whholJt nOllce or
demand, render the entire unpaid balance of the prlnc:lpal and accrUed Interest due and payeble, less any required refunds, and acceptsnce 01 psyment
aher de_feult ehall not constitute a waiver thereof. The undersigned agree to pay an addltlot'lel charge of 01\6 end one-half per cent 11 112%) per month 01
the emount which Is extendod, deferred or In defeult. Such eIlerga IIhall oot be less than one dollar ($1.00' for any extension, deferment. or defeult of
ten 1101 days or more. In-the event action for enforcement of collectIon of thle Note Is Instituted, there shell be Immediately due, In eddltlon to the
unpaid balQnce and delault charges, all costs and..lucpenses of such action, together with reasoneble attorney fees. All parties to this Note severally
waive presentmo<<t..demend. notice 0' non-payment and protest,
This Note bears Interesl after maturity al the rate of one and one-halt percent 11 112%) simple Interest par month on any batances outstanding altar
maturity. .
On prepaymenl of (he ol:llloatlon, (al If this loan has a term of 61 montha or Iesa, eny unearned Interest portion of the Finance Charge shall be
computed USing the Sum of Digits Rule, or Iblll this loan has a term of more than 61 montha or If this Is a Sactlon 32 Raal Estate Mortgage Loan, any
unearned Interest portion o' the Anance Charge sllall be computed using Ihe actuarial method. No rebate In an emount less than .1.00 Is required. The
servlca Charge Is not refundable.
fXl.CHolIlClf
III1.....lIlItlII
31.18
SECURITY AGREEMENT
To seture the payment of a loan Made to the Borrowerls)In the emountand on the terms stated above, the undersigned Borrowers grant a security
1nt8l8St to the CredItor In the 101lowInQ described plopmty;
[i] Consumer gooda now oWfled by Borrowerlsl, locatad et Borrower's realdenta at the address shown above, as listad on ettached Form 0321.
CJ Moror ~hlclets) snd accessions .h8rato: .
M"KE STY1.E AND MOIl~L IDENTlFI "Tl0N Nu BEll YE"R OTHER lDENTlflC" N
[=:J The gooda or property being purooalllJd Idescribel:
c=J Other fdescrlbel:
CJ ...
If ch&cked hale , IhJs Nole Is. 88cllfed by re&J eslate.
Borrowars covenant they will procure such Insurance of the described property In a reasonable amount es may be legally reqUired by the Creditor.
such inslJlBnce 10 name the Craditor 8B loss payee, and covenant lhey wJlJ kesp BUch Imllfanu In 'orce 'or the dlJlslion 0' this SecUlily Agr&eJJlI'ml.
Such policies end certlllcalel of Insurance shall be delivered to the Creditor. Vou-agree that I. yOU fell to keep your Insurance policy In 'orce, we may,
but ahall not b& required to, purchase e polley protecting our Interest In Ihe collateral against loss Of demege and charge the cost of 'hat policy 10 you.
" delauJt shaH occur In the payment 0' any debt s-ecu.red halaby Dr any conditions of .hJ& Security AgreMWnt, .hsn the Creditor may take Immediate
possasslon of ,he collateral wherevar found, with or without legal proce,s, may raqulre the Borrowers '0 asaemble Ihe collatersl and make It avenable to
the Creditor at a place reasonably convenient 10 both parties and may exercise any rlghta end remadiaa granted a Securad Party by the Unllorm
Commerclsl Coda on default by tha 9d"owms. Atter gJvlng rfl8sonabIe notllJcatwn of the time. pJace and mtmn8I 0' dJsposltlon to !he 9DffOW6fS, the
Creditor may sell, lease or otherwlsQ dlsposa of the collateral In a commerclslly reasonable manner at public or prlvete proceedings. Tha Creditor may
buy 8t Buch sale and Ihe properly may be sold In bulk or In parcels or ao much thereof all shall be necessary to satisfy the Indebtedness secured,
Including (nlerest charges end anv reasonable eJqleltSe of obtain posS6sslon and selRog fWch prOfHIfty. The Creditor mav rels'n a/I of the proceeds or
sales and shall account for any surplue to the Borrowers who ahall remain liable for any deficit.
. . .
. . .
-&u~
Wllness
,lolL
DGEISt RECEIPT OF
TRUM~NT
orrower
)C~rY~w0
uuarantor
OZOZ.3alPefIIlIylwanleltl91
Guarantor
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;: 0 FEDERAL DISCLOSURE STA
ACC.$)UNT . QOIl'ROWERISI CREDITOR
~ 00251374 , CHARLES W LYNCN BLAZER CONSUMER OISCOUNT CONPANI" .
224 PATTlSOR OR .. 901 EAST HAIN STREET
SHIPPENSBURG PA 17257,0000 PAUftRA PA 1707B.0000
LINDA L L YHCH
, , 224 rATTISON OR
,
I SHIPPEHSBIlRG PA 17257-8000
,
You, your. we. and lrefar to the BOrrowerls).
Il,~NUAL PERCENTAGE RATE FINANCE CHARGE Amount Financed Total of Payments
e cost of vour credit The dollar amount the The amount of credit provided The amount you will have paid after
s I yealty rate. credit wlll cost YOll. to you or on your behalf. you have mada all payments as
Icheduled.
, % $ $ $
16,88 4.434.94 9.B36.24 13,471.IB
our navment schedule will be:
ONE OF I AND I OF t PAYMENTS ARE DUE I
. 255,1B I 59 I' 224.00 I MONTHLY BEGINNING 9/01/99 I
j SECURITY: You are giVing a security Interest In:
[:=J ,the goods or property being purchased
CLJ ' your consumer goods
c=J I your motor vehlcle(s)
[=:1 \ your real estate located at
c:::J other (descrlbe1:
,
, LATE CHARGE: If 8 payment Is 10 or more days lIte, you will be charged 1 1/2% 01 the unpaid amount 0' the payment per month or .1.00.
I whldHwer Is freater.
PREPAYMEN : II you payoff early. you may be entItled to a fefund of part 01 the Ilnance charg8.
\ Sa8 your contract documents for any addlUonlllnfonnatlon about nonpayment, dafault. any required repayrnant In full bf,fore Iha achedulad data.
prepayment ra'unda. penaltlea. and security Intereats.
1
Tho tarm of any Credit lIfa. Credit Disability. Bnd Property Insuranca
shall be equal to tho original lerm 01 the loan, exclualva of any
dalefment, axlenslon. dellnquancv. or olher event which may axtend tho
lerm of tho loan. Credit life Inlurance coverage shell reduce monthly.
See tho I"suranca certlllcate for exael policy provISions.
Tho Insurance Indicated flaraln la tho only 100surance available through
,he Creditor. unlesa you flave slonad an eddltlonal snd separate
InBuranca authorization agrealng to pay the cost of other Insuranca
products. Neither tho Creditor nor the Insurer Is your egent. brokar or
fiduciary for oblllnlng Insurance. You undarstand that the Creditor and
Its Insurance alllllate entlclpate proflts from the sale 0' credit Insuranca.
II lhls loan Is aubject to a right 01 rescission. Insurance covarage does
not bagln until axpl'8110n 01 the rescission period. If you salacled partial
coverage. tho am nt of Insuranca may nol b ff1cle pav oU your
loan.
-Insuled for Single Cl8dlt Dllllb1ltly If Single CfedltDlsebillty Insu rSnelel.elected.
ITEMIZATION OF AMOUNT FIHA/lCEO OF
ANT. GIVEN TO you DlREClLY.....,.... 1 4.57
ANT, PAlO ON YWR AeCT. i 00209166 $' B,079.31
ANT. PAlO TO OTHERS ON YOUR BEHALF:
BLAZER................................ 1
BLAZER................................ $
CREDIT LIFE IHSUllANCE COMPANY......... $
PROPERTY INSURANCE CONPANY....,....... I
TOTAL AHOllNT FINANCED................. 1
19,036,24
150.00
17.00
467.71
317 , 65
9.036.24
PREPAID FlttANCE CHARGE................
150.00
IIw8 ecknowladga receipt of a completed copy 0' this Faderal oraclolure St~tement.
::::~~::Y ~ tp4J;4&v p~'
0250-3811'."~y1"."1813191
Borrowe~
l~cY Uyrz~
PLAINTIFF'S EXHltllT "A"
"<<
.
VERIFICATION
AND NOW, to wit, this
J,<1f:
day of January, 2000,
I, Scott Martin, Manager for the within Plaintiff, Blazer Consumer
Discount Compsny, do hereby certify and state the facts as set
forth in the foregoing Complaint, are true and correct to the
best of my information, knowledge and belief.
I understand that false statements herein are made
subject to the penalties of
18 Pa. C.S.A. ~4904 relating to
unsworn verification to authorities.
BLAZER CONSUMER DISCOUNT COMPANY
By: r:~
Scott Martin, Manager
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