HomeMy WebLinkAbout00-00874
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HARRIS SAVINGS BANK
235 North Second Street
Harrisburg, PA 17105
Plaintiff
IN THE COURT OF COMMON
PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO, ~COO - "6;tf
C0~L I~
v,
CHARLES G, COSTA
1127 Nanroc Drive
Mechanicsburg, PA 17055
Defendants
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SCOT J, COSTA
1648-A Trindle Road
Carlisle, PA 17013
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NOTICE
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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
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, IF 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,
COURT ADMINISTRATOR
4th Floor, Cumberland County Courthouse
Carlisle, Pennsylvania 17013
(717) 240-6200
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Date: January }L, 2000
By:
Eugene Pepinsky, Jr.
Attorney I.D, #23702
210 Walnut Street
P,O, Box 11963
Harrisburg, PA 17108-1963
(717) 255-8051
Attorneys for Plaintiff
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HARRIS SAVINGS BANK
235 North Second Street
Harrisburg, PA 17105
Plaintiff
IN THE COURT OF COMMON
PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
v,
NO,
CHARLES G, COSTA
1127 Nanroc Drive
Mechanicsburg, PA 17055
SCOT J, COSTA
1648-A Trindle Road
Carlisle, PA 17013
Defendants
COMPLAINT
1, Plaintiff is Harris Savings Bank, a Pennsylvania state-chartered savings
bank, with its principal office at 235 N, Second Street, P.O, Box 1711, Harrisburg,
Pennsylvania 17105,
2, Defendant Charles G, Costa, is an adult individual living and residing at
1127 Nanroc Drive, Mechanicsburg, Pennsylvania 17055,
3, Defendant Scot J, Costa, is an adult individual living and residing at
1648-A Trindle Road, Carlisle, Pennsylvania 17013,
4, Defendants, as buyer, entered into a Pennsylvania Motor Vehicle
Installment Sale Contract with Lawrence Chevrolet-Geo, Inc" as seller, respecting a
1995 S10 Chevrolet Truck, VIN #1 GCCT14W8SK202293, A true and correct copy of
the said Pennsylvania Motor Vehicle Installment Sale Contract is attached hereto,
made a part hereof and marked Exhibit A.
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5, The Contract was subsequently assigned to Plaintiff,
6. Defendants defaulted in their obligations under the Contract, and the
Vehicle was repossessed,
7, On July 26, 1999, Plaintiff sold the Vehicle, leaving a deficiency balance
owing in the amount of $5,693,32,
8, Despite Plaintiffs repeated demands, Defendants have failed and refused
and continue to fail and refuse to pay the current balance owed to Plaintiff under the
Contract.
WHEREFORE, Plaintiff demands judgment against Defendants in the sum of
$5,693,32, together with interest, attorneys' fees and costs of suit.
KEEFER WOOD ALLEN & RAHAL, LLP,
Date: January:iL, 2000
BY~~
Eugen E, Pepinsky, Jr,
Attorney I.D. No, 23,702
210 Walnut Street
P,O, Box 11963
Harrisburg, PA 17108-1963
(717) 255-8051
Attorneys for Plaintiff
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VERIFICATION
The undersigned
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, hereby verifies and states
that:
1.
(S)He is
If VP
of Harris Savings Bank, Plaintiff
herein;
2, (S)He is authorized to make this Verification on its behalf;
3, The facts set forth in the foregoing Complaint are true and correct to the
best of (her)his knowledge, information and belief; and
4, (S)He is aware that false statements herein are made subject to the
penalties of 18 Pa. C,S, S 4904, relating to unsworn falsification to authorities,
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Dated: January ill. 2000
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Q, I tc/c.e
SEP 9th
Totalcf Payments
lhe alllounl you will have paidaller you
have made all scheduled payments,
-T ofal Sile' Price --. - ,-
The total coSt.otYOllr pllrchase on
credll,includmgyourdownpaymonl'
olS~0';-OO-::' 'j,
ANNUAL'
PERCENTAGE RATE'
The cost 01 your crcditas
ayearlyraLe,
Amount Financed ~
Tho'amounLofcrollltprovided'
to yo~ oron your bellall,
FINANCE-
CHARGE
'Thedolla'ramoulllthe
credll witlcosl you,
10.95
% . $
21755.40
22045.40
5134.30
15521.10
Your i'ayment'SehedllICwill be:
No, llt Paymenls Amounl of Payments
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WhenPaymcnl$A.teOu~
Monlhl ,be innin
Security: You aHl giving a secur,llY in!e~e~t In the motor vehicle being
purchased,
PrefJaymenf: Ifyoupayoflearly,yotl will nof have 113 l1i1y a penally, .. '
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FiHnzFees:'$
I1Ite Ch~rge; II a paymenl is J,ate, you will be charged 2~ of tho portion of the paymenl which is lale lor each mOllth, 01 part of a month greater than to days, Ihat il remains 'unpaid, -
See below and any other Contract documents foe any additional informallOn about nonpayment, defaull, any r~quir~d rep~l'menl in full belore 1I1~ scheduled dale and prepaymcml
refllndsandpenallles, .' emeansestimate
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Intltis'Con\racILAWRENCE~CHEVRO.LET-GEd' INC~ ' "
:~i'lER:' 5445 CARLTSLE;PIKE"MECHANICSBURG
PA 17055
IF YOU 00_ NOT MEET 'fOUR CONTRACT
OBLIGATIONS, 'fOU MAY LOSE THE MOTOR
VEHICLE AND PROPERTY'THAr,YOU
Zip Cod~ BOUGHT WITH rH(S CONtRACTj AND/OR
_ ~'_.-L~9~~'L q!( ~_sP9~g \!tiTt'_ TJj~ ~!-GNEE.,
This Conhact is between Seller and Buy~r, All
disi:losuteS'llave I>eelfiTfade-by Sellei"~Seller
Zip Code(s} inLendsloassignthisConlractt6theAssignee,
Itemization of Amount Financed
Cash;ri~e 14780. 00
Cash Oo~npaY~'lil~"00
S
Trade.ln N/A
VaItJe_otrrade.ln_
, $ .290.00
lienPayoltlo: .
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UnpaidCasn rice a'ance
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$
ToCreditlnsllr,ance omp.1ny
~ $
ToPublicOIfils
License,Tagsand eEislralion
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~~~QICE~CaNTRACT-
~A SH~~S TAX
Name'c ". , Address
You are CHARLES' G. COSTA :AND SCOT 'J'CaSTA
ili' BUYER(S). 1127 NANROC aRIVE;MECHANIC,~BURG~A
.. Namels)' :~'.. .,. ' Aljdress(es)
l7055
II there is. more thall one Buyer, each promises, stlparat~ly and togtlther. to pay all sums due us and 10 perform all aEreemtlnts in lhis Contracl,
TRADE.IN;'
You Itave traded in
thefolfowingvehicle:
,_,4
N/A
NIA
N/A
'. . Yearand_Make" Description
11 a:ba1~nce'is:stili oJi'ng-~ti'ti\e~~h(cle you have:JraJed in, the Seller will pay alllhis amount on your behal!. You warrant and represenllo us thill
any trade.in is free from lien, claim, encumbra'nce- or securlly inlerest, except as shown in lhe Ilemilation of Amount Financed as the "Lien Payol"-
, PROPERTY lNSURANCE: You may choose the person thtough whom insurance is obtained againSlloss or damage to the Vehicle and against
liabJlity arisingoufof 4se or ownership or tho Vehicle, In thisContracl,yeu are promlSlllRlo insure theVellicle and keep it insured.
. CREDIT INSURANCE [S NOT REQUIRED; Credit tile Insurance~and- Ciedil Disability Insurance are nol requIred lo obtain credit, and -\vill'-
not be provided unless you sign biilow a'r1d'agree 10 pay lite additional cosl(s), Please read the NonCE Of PROPOSED CfiEDIT INSURANCE
on the reverse'sWe. Your in'surailte certificate'or policy will tell yo~ the MAXIMUM amounl 01 insurance available. All insurance purchased
willbelorthetermol.t~e~~e~i~ "'_ .', ,. " , . "
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Bysicning.YOllseteclSlngleCrwitUfelnsurance, What is your
whichcos\S$ ":,~~,tAt;" .}g~?_Years
BysiEning,youseleclSincleCreditAccidenl&
He~llhJnsurance,whichcos\s$ NtH
Wl1alisyour
agel_Years
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Signature of Buyer to ~einsured for Single Credit Lifo Insurance
SignalUfeofBuyetlobeinsuledforSingleCredilAccidenl&Heallhlnsurance
Bysignfng,youbolhsefectJofnt,:
Cr~it Ufe lnsura.llc~:}:~lft(COSIS $
Bysigning. you bOfhsoreclJoi~t C;eoit NtA WJlilt are
Accident&Heal\hlnsulance,wl1ichcosf~$_ your ages?
Porcentage
lobe
insured
N/A
What are
youragos?
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Signaturosolboth8uyerstobeln~u[edfOr JoinlCredjlLHelnsurAnc~ SiEnaluresof lJoUl Buyers 10 be insured for Joint .;>
, .. ..", J, ',' ." ClodllAccidenl & Heallh Insurance ~ $
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'it Insur r. N/A $
..ii,i VEHICl~: Yo~ hav,e_agr~Qd:t'iJ?,lt.l<iM~eJ:u.n~.erJ~eJe~m_sol thi~~C!!-n_l~as~' uie following' motor vehicle-and its"- exlra-eijijfpnre,nl. Wlllcli IS cane ~ To
'--! lhe "VehIcle" m 111IsConlracl.-'-' ,- ~, ~ -' - .' -- $
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'; E"qlilppM,.- --A.T:\ ---' P,S:"~'" AM.FM SterM "r 5 Spd:' Olhe'r ","'t' ~ ' .f' $ -~ .
_'~iui - " '....C:~"""p:w~i~i~ < 'Mr.n.~ rape"'" '. --Viny(Top#" Total of, Paji)11iii\!iGimft8alam::ej
". ASSIGNEE:-We maY:lssij'ii_-tlils'~COm.r~criiiid- Se-curiijl flEree'inenno'a $i!e:rfinance'cciir1p3oy-\.jhich-islhi{.A~i&nee,~ Iflhii"ASi.lgnce"asilg!i'r --'-----'-'--$~.-. ., . '--"-'--'-'.1-,-:-;.-.-:,-",-
, .-the COritracfto'a s'uli$eqllennssll!,~ee;~tlte-Lcim~also _'clers to sucli"$1Jbsequent assignee. Allor Ihe assignment, all righls and benelils :of the p;ym'enl Schedule. You agree to pay
- . Seller)n UlifContral:nfid i.n~,I1[e-SeClf(ilf Agrecmellt shall b~lon!(~o 'ancfbe enforceable by Ihe Assignee. The Assignee will notify you wlten t~ u's the Amount Financed plus Inleresl in
':~ a,~~'Jlt~~~!$~'~'~~;~?}~~~ee~:~~:;'~.~'~',r:~,:,~';' .-::: :~:.,;~:'t;:~'; ~;.\'. ".' ,~, -- "," , ,:,... :" , _ " 362~59'_:':'-'-,'
J'e',.. ',; ,..:;: ''.~Al/RJS SAVINGS BANK, 235 Nortlt SecondS~... Harrisb",~ PennsYlvania 17105 p.ym,"" oil
, ~SC~~SIGN1~::~~'~*~~lhf~~j~~~"Air~;m'elnt ~IOW;P';~~ISrS se~a;a\el~ and logelher wlll1 all Co.$lg'nerlsl and Buye;{sl, to pay. ;a ch '_In,,i!~.~t-lt\9 ,p,aO~n~~
~. ~o ~ all sums~~:. 3,n(\ to pertdrm.all ag:;em.,ents llllhl~~O~lraCI. Co.<Sign~~ ~~ not b~, I,n Ol'(rler of th~ ~ehlcJt; f .. paymelll~ be d~~ o~. . r
~C~'~R;:AiiY-).,Q~'rl''Jn1;w'\heCb'.trWiier's'''SeclirMAEreemenlbt!IOW&lveSusaseeufltyilllerestfil'lheVelucleandagree$separafelyand '~ . '- 4th , , .
o J f w1fH.'!1t.~-an-fe?rS}.."'tQ:)lertorm aU agreements'!!!l,he S~c-unly.Ai:rcemell.lBlld"[/LQtherpMlsoj Um.Colltrntl eJ~eaP\(!' " . \ an en pa men s -\
"Prom\sCl to Pay. $ecUon.'~ " , ... ~ - _-;u_ w- -1'1,11 be duo on lhal same--6ay 01 eaetrmonlh ...,.. r
TERMS: Ihe terms shown 111 th_e_b()~es. above ~'e part of tltlS ~o~~rac.~ '~.,,; _ __.~' ., ,__ _ "," ".'. ,"-_'0' ' ""-:.0 foffowlIlg . . - ~: ,~,_
PROMISE TO PAY; You agree to pay us the Total Sale Price ror the Vehicle DY making Ihe Cash SECURiTY-AGREEMENT; to secuto {Il~ paymen om s 1.1. e a _ e pe or a e f 3
Oownpayment and migning Ihe Trade.ln, if shown above, on or before Ihe dale of tllis Conl/acL and: required oblieations ,und~r Ihis ConLract,'You give a security i~Lerest in,the Vehicte, in an: .1
paying us the Amount financed plus inlClesl You promise 10 mal\e paymellls,in aWlrllance wilh the' parls (c~lIed_, .accesslo~s I attached to tile Vehicle ~t any laler time, and lfl allY proceeds 01 .
-- P:yment Sc/fed(l~ Yol/'premise 10 ma~e (1al'mcnls 011 Of befo:e Ihe moo dal' of each nwnlh as IlIe the Vehicle, lflclu.dlflj Insura~ce proceeds, The A~lgnee may set'off ,any, amoul1t~ due and
, '. , - _ . ~.. h , ullpald under thiS Contract agalflsl any of your money on depOSit WIth P:;sjgnee,-Thls
Illst ~aymenldue dale, YOIl agr~.e to pay another amoUfll:s wlllcll maY,Lm:ome d,u~ under I e trms includes any money which is now or flIay in the fulule be depo!;lted_with Assignee bY-you.'
of thiS Contract. YO? l~ree 10 P,~y the,~eller?f Assl,nee,costs OI'SUlt ,You also agree to pal Assir.nee may do [lus without any ~lior notice to you. -. .. - - - - - -
':JeilS~natlle atlomeys Je!lS if Seller or ~Igne~ hl,res ~n attocney to collect amounts due under tlll$ ADDIi10NAl iERIo1S AND CONO HONS: THIS CONTRACT CONTINUES ON THE REVERSE'
Contract or to prolect or get pets~sslon of th~ Vehicle. YOu agree to l1!~ke payment~ allhe place or to SIDE. YOU ARE OBLIGATED 10 ALL THE TERMS Of THE CONlRACTWHlCH APPEAR:ON'T,HE
. sene! paymenlslo llteaddresswhrcbtheAsslgneemGSt reccnlly SPOCIIICS In the wlltton noUce 10YOll, fRONT AND REVERSE SlOES, . .,- - - -, - ' ~'. J I
'. Byslglllng beloW, weagfllelo-sCJI JhiVclilc!e.loOyou llnde"iUle leJms of Illis Contracl. . NOnCE TO BUYER-DO-NOTSIGN THis"CDNTRAC NBCANirYO(J....ARt--~';fat
,:, 'I,"".' "",,'" ,;.., ENTITLED TO AN EXACT COPY OFJHE CONTRACnOU SIGN, KEE, PITT, 0, " 'I
LAWRENCE-l;HEVROLET -GEO,' INC. PROTECT YOUR LEGAL IGH ' , - , " , n ~',09109/98
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BUYER ..-,..~~f~L) \:~~~.9~;
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"SEllER
BY; "~ ;'!:i7:?~:l~~~0l~ . 0Y:',:WY8 BUYER
CO-SIGNEIt:'YOU SilOULD iiEAI.i1:in: NOTiCE TO' CO..slGNE'i~, willen IIAS'UEE'N--o"GiVEN-TQ "YO
sIGNING TUE CO-SIGN'Elt'S AGREEMENT,' .
-CQ-SIGNER'S AGREEMENT: You,the pel'S,)n (ur persoll9 signing below us "Co-Signer," prorlli~c 10 pay 10 us all sums due onlhis Contraot and to perform all
agreements in this Contract, You intend lo be legally bound b~ all the tcrm~ of (hi~ Contracl, separately and together, with thl: Buyer. You are making this promise to
inducc_us to make this CorlUllci'wi!ll the Buyer, oven thuugh wo will use l11e proceed5 only for tl1e nuycr'~ oendic. You agrx:c co payC'vC'fllhough we fllay nol/lilvo
made any pri(J~den\:md [or-payment nn the Bu).er or exercised our security int~red, You abo acknowledge re<::oivin~ a comploted eupy of Ihis CU:ntrncL
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(SEAL)
Co-Signer's Signawre
Addre5S
Date
(SEAL)
Co-Signer"sSignaturo
Addross
Dale ---
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CO-OWNER~ SECURITY AGIU.:r;:MENT: You, the per~Qn ;igninll below as"Co.Owll<:r,"logclher with the !Juye! or QlhcrWI~c-bcrllg aU oftllc Owners orth~'Yehiclc,
give_us a Security llltet~'$lln tl10 Vehicle identified above, You ogrce 10 be bound by the terms of the Security Agreement and all other parts of this Conlrnet excepl the
"Promise To Pay" seclion. You atc giving us the security interest to induce us to mako this Contrael with the Buyer, and to sec!'te Ihe_paym~_nt hy tho Buyer of all sums due
'011 this Contract, Yo~ willl)ot b.c respo,!si\ll,q ~or any defidency which mishl be uue afler repossc.\sion and sale nr the Vehicle,
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(SEAL)
Adure~s'
;Date'
DGE RECEIPT OF A COMPLETED Copy DF THIS CONTRACT
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L\.-"F-.'~)i\'t;L~c\:'-'.~~'.t;'i"{;,'~.~~i~<J.~;:'~:~:~f' .'~- 11 - . :COND _."_ _ -,' - I,".' '-_'"' - . '-~'~.
~~~~J..J!,~Tl:IfJQ.T~..k..9f P,A.Yh!~;NtIS.t.!M:lPUlED:'T~e ~p_ta! of,Payments IS tlie 5U':l of the mOrley advanced as ~ .alone may specify: lil il1J,medialely~on. de!Jla~_. . ..;.:::-.;'
:T;' Jln,wunt'J1nal.lced an{t1ve'rna.,:~e C~arli~.1he FmMJce"Clla~ge conslsls so!Jly of Inlerest monthly payments._lf we c~oose 10 allow YOU,to_rcpay the m,oney_,adv'a';;C'iid'1r:~\ ' (
:':: . somplded. qirJy on th~ _oll(sfandlllg balance of .lhe Amount Fmance.d. rhe Finance Char~!', monthly p~yments, w~ <:aO'choos~ the. amounCQrt~~e ~paymcnts and h'ow LCtn~ you f\a~ll t~ .~-' _\ --
,\ ~hQ.'>'l" Q..\"\"ll.il~"\ ~\d\', h\\!> b~\',1) cQ.mp,,!\cc Q.\'1 thn_a~~\lmp.bQn that ~C \'11\\ receIVe all repay, If any 01 our rights stated In Ihls paragraph IS 'noJ pc-,mi\l~d_by-Jaw: wc-,stiIL,ha1't' the' -.
~--: IMtmcnts on IlI~j!Schedu!~d due dates.:..,:-, ""', ',: . _.. . " other 'ights mentIOned. Our payments on YOl!r"behaJ!. will noLCllre..youf_ladurt' to perlO>IIJ1 .
'~',- _-l1zr COMPU1"tN~J~I~,~ES.1~~~~....ll! chaq;c inte>e'i.l,oll a _d~i\y bilS\S 0\\ tile o\l\s\all(lill'~. your prom~s in U\lsCol1lJ:acl_ ' , . "', ',;i' , ' . ,:j, -. ~--. ~.." '.",\e.' - ~ t
i:':,~" balance su_blecllofnte~~.o,n each. day ot theJoan term, ~he dally mterest rail' is eoualto the 12, DEFAULT: In lhis paraEraph "You" means the Buyer, Co.Signer,and Co.Owner, or any ~OI{ ..
't, i;, ),nn~aJ P_ercel),uge Rat,e diVided by.the num.bN of, days 10 that cateml~r year. Buyer al:rl'i:S of Ihem, You wilt be in "Default" 01 the Contract if any on~or-more' of the following thjn~S!
L "~ha; beca,use.mlere.s!Js cal.c~laled on,a dally baSIS, late paymenls WI,!! .rt',ul\ 10 addlllOnal h~PDel1: ',. ,: _ "_,' -_' ;
r-_ }.nterest (~nd, If ap~lreabl.e, a 1~le cl1arlle).,Early payment~ Wllf result In IPoss tnlcmll!ellli a, You do not ma~e any paYll1ctil .oil .or beforeitrs due' or~ > . ~', ,,\'
;::~ Zll~tpl~, ~lHly a~d -orlate.J,ay~er,ts win cilyse t,he amo\Jnlcf,the Imal pa~mclIl t<; ctl~n~c, b. You do not ~eep any promi~eyo\J made.j~ lhis Cont;act;ot"~''''''o>'~ '~_ .
,,,'_:_-~3.-LATE...CHARGE~auyer -a~rees to pay a.lale charge for anj' payment nol made I'<llIun lO c, YOll dn nol kcep allY pramlie you made IrJ anoUlCr_Conlrac~ ~ote,.Loan or A~reemen~
~".oax~afler ils~du~_~a!~.IIt~'laJ~ c/l3rge..\'jII'-be.2% per mOiltl!.on UI,a urlDallj amoul;! ot the \'jith Seller ur Assignee: .or _ . - - " _ :" ._~ ~.;::;_;-"'~: :'. :;"'':~"; '-,- "'
~,"aYrylent.,~e I1n,l conSider any part 01 a month III excess of lO days ,to be.a ful! monlh. The d, You made any untrue statemenlin rhecrel.hlapplicaHDnfotlflisConfracl;ot '_" _ _ ' ~
~'->'-_Jate t:1~ar~~ wllI~~e due w_hcn earned, NO late charll.e wi)1 ba duall the reuon thaI the c, YOllcommltledanyf.oIg,e(di"!.col,1nccbonwit~Contractot;:~:~ - ..:X-- . ; ~
If::"(i!lYr!Jenlls late,.1S\~.~aUsej aft~r.tlelaull"th~,-e.nlire~oulstandlng_~lancc .on tlus Conhact IS f. You die, are cOl'lvlcled 01 a clime involVlOg fraud or dishonesly, or art;' found by a_court
~',t' "', ,NO_Jate,',charg,CWt!,lbe,dUClflhCOOly(easonthatthcpaYIllel1llslate,lsbeCalJ~O>falalll W,llhlurisdlc!Jo>ntodosotobcillcapacilaleU;Qr ~ '.- ',.",: ", .-..~' ~
r;;; I~~r~,a~,e_ssed on" a~ earher payment', ._' . , ' , g, You file bankruplcr or insolvency pro.~eedings, or ~anrone hl.cs, b"nkr~p(:cy or.
if' ,,'AP!.LlCA~I~N~O!,r~.x/l!E~T~, We.\',IIIJ,apply payme~ls Irl the followmg order of pnorlty: !nsolvencypr.oceedmgs _ag~lOst~_ou;or _, ,_ _ _~.. ~_ ., _ '" ,.,.. ., -, .. ,'_. ;,:
~~j;;(o~~~~~~h:tS~:-~~..o~~~}~:~~I~ ph~.rg~, f,~~,~:pr~n~lp~I.~I1~ ~II~ oll~er amounts you OWe 10 or ~l, Y.~u ta~e:t~e ~ehlcle o~.:~I~e..tI~e ~~lt~~:,~!~~e~,.o~_~~,~1~.,~_~~;~,~;~~.~,r:~~~~~,f~~~
"', ;-~ _~ P.REP~M~l,!t; YQu mii.p.~w.ay;}~ Il!.lLor inpart, lhe alllQl!nl owed on IhisC?ntracl al any I,' Vou use tile Vehicle, or a~l.ow so~e,one, el~c t,o u~e ,II. III a l'I:y~a,1 ,caUSe~,I( 0.0,1 to Il~
~,,?~tf~e Without penaTfy:1f YOlrpr~pay tH_e Contract'in pari, you "oeo to continue to make covered by your IOsur,ance, or , ,.."-~~..-.,.... ~', .~.- :-~-- ," " '
:: r.cgularly. ~cheduled paym~nts. unULy.ou pay all amounts dl!e undel thIS C(lnllacl. This \'1111 I, You ,do someUllng.tha! c~u~S.lhe ~e~lc!'t ISl._,b~_ ~~~!ecl!0_,c9nhsc~hon_by ~o~~rI)l[I~~i
~ _ rOOUCD tbe IllllTloor.of paym~nls you wilt l11a~e, au1hontles, or.. _ :. ' .. '~'~ :: ,-1 -, ,"'.' ::.-, - -;:., .' _ '.
~::'lt'\VAIVERS 'r.~'h."'"", " .~ -:' ",,' -. ~, The Velllcla ,IS 10'1.1, s!(}Jen, d~stroycd or damaged beyond ~or)~ml,c~f rep~!rJ .and_ ~o~
...:_~~,.,;.., ',.' _ .,,: . , , ' flleu or faund wllhm a leasonable time; 01 " .
~~~- :; :t:,WAtVLR,Il'y;~Ell.ERAND..,.,~.~t.G~EE~ We lIntl AsSIl/J1ee WlIlve the r,glill!} lieal any I. Anolher credilor tdes'lo take tile Vehicle or your money on deposit'with Assignee by
~pr~pe,r\y ag s~~ullty for ,!te re~aynt~nt oUhlsConl1act, excl!pllor the Velhcle and the olller legal process,' ''','. "r'-' "~:--;. -~ ,_' ""'_~. _,',. , .
F',"-."~~!fJ\y~pecjflcaJ111r1entloJledlllthls.C9ntract, ,_'_ __' " u~ ,"." _~~"...""...""~~=,;~.,,___:_~'_~'~~~
~,~_-li."WA\V[~S BY pUYER, CO~SIGNER,flND CO-OWNER: You agree to maJo.eall paym!lnl~.on 13. OUR RIGHTS IF 'tOU ARf'lN DEfAULT OF..1HIS_CONTRACT;JI you 'are Irl Derault ot,thiS
~?_~o(~e!ote:tbe~JJi.du(wit~ou1.::Qut.b_~~wg.lo ~sk,.U,You dOll'!, we may enlurca OUI rights Cantracl, we ma.y enforce our lIehls according 10 law', We may'afso:do the things specIfically
h-;;-r. 1\IiOLlf no ng y vanf,e.:'{ou !:[ve.up any light ~ou may h~vl! \0 reQulrc Ihal we menllOned m 11lls Contlact We may do one of these th'mgs and allhe same lime or later do
, : OllIe iitlie(p'er~on or, !J,lOperty ~efore;we enforce our r1\::ltts againsl anotl1er. Some of the trungs we may_do are Jhe_(pllol~inc: '__ _ _ ' _ __ _ . ',_ _ _:_',
,- j~rf&U(rrgflls againsl"so'illc otller nersori but not azaio$\ you. - a. ACCELERATION: We-can-demaillflllatyaupaytousll1e..erilire- unjiiiidbalance--owing
_ _:f" _ _ , otre9~qn",and a~defenses ba~ed on surelyshrp ant!lmpairrnent of on the Conllact aod all unpaid Finance Char~es and other money due, You agree lhal you \1'111
~;:'-_, '_ _ _ ~n~)'_"~':',~7-:7".'-' ;-_', . '01; , -, payUllsmol1eYlousinonesmatepaymenlimmedi~telyupo)nrer:ei~jn~ourderoa,rn!,_,. .
~jt1; INTERESUl.~HR'MP;TURI'Q' AND_,JUD,GMENT: Inlerc~t at Ihe rate provilled 10 tl1is , ~. R,EPOSSES.SI~N; 'We can tcposse~Jhe.vehlcic,.unle~_.pr.oh~~!tell"by law~_~~_can do
~~~o~nti.aCISha,UC,On~nfJe,t,o'~,ccr,tl~o,..n,t1J,il,l,Inpal,ll_ba_,lance, "",III palrl in fUI~,e,vcn ~fl~r maturily ,thlS. oursel~es. have a l]llaJlfled pe,rson do II fO(U, s, or hao, ~e.lI,&Ove\nment Ofllc,ial (~y r~ple~lnJ
it'4"'13na/opllc~ w~era.1u~llmll,n~~~a(p_sl~o~ JOJ;,\he amounts due. Ihl$, \'I11l apply even Iflhe . do It fo~ ys"You ,agr~.e 1113t ,\'~e can p~acea~ly c,ome on.. to your.~~operlY 10,do thiS. \ie may
~1I{utlfY--OCC,ur-; ~!lcause 01 Laclielerafion~ If '.aljlny ,hme Inlerest as provided fot in thi~ lah a,ny othet tl1l11Rslo\lllllm Ihe Vahl!~le, bul wdl refurn trlese, II1,"",to you If yotr as~. Ir yuu
;e""-;patacraph'~. not 'permi\tcd'bYl1iw;'in!~lpsl s-hall:amue ~t the rnChes! rail' allowed bt want \hr:se \h\fl&s.bllJ:1I, }IOU ~1l1.e-n-.\0 as'f..Il5-m a let\e-1 ~tmt \0 1.!s- bY.ceI\\ijed mall within 1.'1
~ppfi~abt:_la~-~.l!..~o~~tll1at!im.e~~ '. t.>_~'~ '. ' . _ ,,_ - " hours. I! you do nplsllnd us lhi.s Jeltel, you:l:ive,up anr claim to ~_~s~t~in&S: You ,agree thai
1itl;~/ttlJliV-R6_~I,SE~Ii~Vr;O, . JIRII)'JNTERESI:.- YDU".l'IiIt~ not pelnnt anyone olher w{' may use your license ~Iales I,n ~e[1Ossessrng l,he Vehl~)e and laklOB rt to a place for sloraEe,
~Uian'us-IO .o~tal(L' a secunty Inte :olheU.ights 1111he Vclllcle. You Will pay all flhnc le~s c. YOlUNIARY DELIVERY" H.~ can. a~k,Yo~ to ~Ive ~~ ,tDe.- V~hIC)!l: at a, re.a'~9na~JY
~~c~St<{i'Y..fnr.~llI:O_. -- our security interest lIl,the Vehicle, Ynu Will assist us cOllvelllenl plact", VOl! agrc~to glve_ us !I.Hl.v,~,hICle If"!,e ~.s:~. ____ _.' .' "', .
tiSt:;irl having out *uljty , lhe Certificate of Title 10 the Vehicle, You will nol sel! . 6. D~':AY, IN E,NrOR,C~MENT: Y~e, ~an q~!ay ,enlqf!tn~,Qu.r .ng~!~ l;l,nd~r ,tl!I~ Co.ntra:c\
~.cfe.me ~W~Y t~Vehrcle'. lfsol'l)eone puls'a,lien on the \'ehl~le, you Will pay lheobligali"n ~nd WllhoulloslIlgany rights. _'h"~'_~_; . >~ :_ ~ " ..: _ '
, ,,_~..__~rJhe lten.+:".~-----:--:-~ '+:'_':,,-:'--j _ _' 14, SOME THINGS YOU SHOULD_KNOW JF WE REPOSSESS lH~,~EHICLE: II we rllposse5~
~--9--:-_'(OU ' ROMfsES A90UfTHEVEf\lc.LE; YOll win keep the Velucle in gMd co'pditlo>n anll withoul using a govelllmenl ollicial (by replevin): _:',_;, '. ' :
a;c:efa[ld'chWl!e(op the Vehicle, You will pay all co~<s of llIailllalnin.g , a. NOTICE: \~e.l'flllsend yotl a Nolice. of Repossession to yourla_sl address Wt\.knol'l abOlll
e ~ 'Jehi,C(e ~r'permit anylhill~ to be llone lu the Vehicle which ThIS Nolice Will tell yoll how lu buy back (redaem) the.lr'ehicle~ Vo~ll will NOT have the light to
; 'n:ormaJ wear and ,use. You willnol u>c: tlle VellJcfc fer ceill,(ale Ule ConlracL Jl1is Jijeans you wii! ha~e_Io pay th~ total balance on the Conllact arld
ses.or, 0 ~a,s_(!:.YP~ iYill,nO! move the Vehicle 110m your addre~shown on other .1m(lunlsdue. You may not gellhe Vehicle..bacJo. by payme delinquent installments. HI'S
..c"theJ(on[o~!his Conlraclto,a .Jiew, parmanllnt place 01 saratlnE wllholll nohfylOC ,!S in Notie,e l'jitltell you olher inlormaUon reqoired by lal1, ~
~~vancq~- ~ ".:; ,_-yr.-::..._ - , .-. ,_ >,,', "~. ',; ',-:.;, . b. REDEMPTION: You have the richt 10 bl!Y.back (r:edeemj tile_Vehicle withinJ5days ot
_ ~ftfYO,Y 1JR1 'ES ~ao~tlfrS(J~AN'C,-,E:_ Yo-ij .will ke-ep tlie Vehiclu insured aeainsl fire, the mailing offhe Nobce and at, any I~ler time befote we .sell fhe Vehicle. If you do nol
it, ~efl.Jlno.:.c . l.surosdoelusarepaidinlult.-ll111mStllancecoveragemusllJe rodeem, you give up all claim to the Vehicle. . .
llllslacto,ry_ _ - ""interes1S and ow Inlewsts a1 the rune uf any insllled loss, c. STILE: li YOll Qon'1 ledeem, Wll Will sell Ihe Vehicle. 1he money lec,eiV,"', at sa, Ie wm PC
" ~jnslira_nce" ~payec"_on'the poliCy. TMinsur.ance mu~t IH' ....rillen by used to pay ~osls amI expenses yot.! O\"le, aJ)d.lhllll 10 pay the,amt.!unl you owe on tile
~fliMfirancll d6busi"n-es:;inPennsYl~al1iaandltccrI5edtusellinStlrance Conllacl. - _'';
~'n,-Ihe s,tatc w rrnaQ'inlly caraged. Th,! IP~ural,lce pol,ir.y mu.~t proVide us d. SURPLUS OR DEFICIENCY; JJ Ulere is.money lel~-we-W!II piy it to the BIIYN'-lIlhere IS
:;:':~,'wr[h alleast. I pqbc,e ,of an~ canccliat!oll or rcllucUOlI1ll coverage, On nol cnough money Irom lhe safe to pay wllal you OVle, BU)'llr alld Co:S1Bner agree 10 pay what
!,l-..:-~1eque~1. YOll shaU;, ~ '"' :y o! o!~er llv~d~nce 01 IIIsural1~e covelaj;e 10 us. I~, Ibe IS still owolllo us. _ __ _ > _ __: .: _ _ _ '_, , _ _ _',
. .- '- ~ntilfanY I~,ot d~ageJ.o l~~ Vd.hl,cle, you Will Immediately notify ~ III wntmf: al1~ ,!I~ a e, EXPENSES: You agree 10 pay fh-e-cosls of repossessing, storing. repaillll&. preparing lor
-:~:;;::proof q-' roSS w1lill,he mSllrer.',We.m.3y.!ile..a,jlroof of loss UII your llahalftf you lall or Icf~se to sale and selling the V,el_licle as mn be allowed by l~w, T~es~co* will o~lly be llu~ if:
t;~:'--"do ~._we, may\e_~rforse you~, n~ma_to .an~, s~ecK, ,dral,L or oLiwr m,",rumen.t we ~ecelVe m I. Del~ult e~ceeds fllteo.n (l5) days_ at Ule tune of fepossessi,Q1l~ .....-
'f::"1'_tlayment n( an m~U(ed-lo~ ~r reWn lC\S.utance lltem~,j~s, We may aDlll~, allY ~(\SLlrallCe 2,lhe amount ot crols- ale aclual, l~IlS-:.a'ry ~M feaso[)~b\e-; amI
. t-;-;-=pr~eed~ we rec~lve to ~epOi.I~ or rt!p}ace the Vehicle If, In our opinion, IllS e-cunOllllcally 3. We can provelhe costs wefC paid. ,..'..
;,." feaSible and you ale nnl then 1(1 d_efaullunder lllls Contract OtherWise, we Wilt apply the , __" ,_ , , " .
~_ ihsU(ance'~roce'Clfs fo redllcelhc unpaid balance due US. .. ' , 15, HEIRS AND PERSONAL REPRESENTATJVES BOUND; Aller YOUcile~th, lhls Conlract shall
t>~':':;:h i,. OUR RICHTS'If.YOLJ_'B'REAk~YOUR:fROMfSES A_BOllT THE $_ECURITY tNTEREST. be.cnforcmlble a?~~ns~_~o~r 1.10~S. a.!l_~?:r.~~~I!!p~~_~n~a!i~:5 01 Y~L:~(a_te,.._ .._.
"- ~. VEHICLE OR INSURArfCE:U~oufajLtoleell iour p-lOmls~-~ 10 pay fllinf: It,;s, taxes, liens or 16. GOVERNING tAW: This Contract IS 10 be illterpreled ~ccordirigto!he'law of Pennsyl\!ania,
.,' _ ~lhc ClIsts neceSS<!ry to keep !hc Vellicle in good condilloll an~ reDalf,~we lIlaj' auvance a:,:y 17, SEVERABlUiY OF PROVISIONS: 11 lor any leason any part"of this Conlract sl1all beconle
mOf')ey you pro.rI1JSedJU. )lay;,.i'. yo~ lall to Jo.eep your llllllnl~CS ab'Jut I "fj\lirwl InS\Jlanc~, \,e iIIcI;al VOlt! or unenforcCJble lhal part illall not be a part oflhis Conlmcl.
may-advance money to oblaln IIIsurance to cover loss or dalllage tolhe Velwlt'. W~ have 111<:' ,
. 'choice of whethur or not to advance any Inoney 1m liJesc-pLlrM's~s, SUl:h in:;\Ir~nr.e tnl! be 18, ASSIGNMl:NT BY BUYER: Buycrshall nol assien this Conlract, , .
1imiled to an amount oot grgalcr !han you owe on tillS Contract, TH[ INSUHANCE WE 19 THERE ARE NO WARRANTIES BY SEllER EXPRESSED OR iMPUED \NCLUDlflG THE
_ - 'PURCHASt"MAY BE SIGNIFICANTlY MORE.. EXPENSIVE ANO PROVIDE YOU lESS C:OVEHAGE WARRANTIES Of MERCHArHABIUiY AND' fJTNESS FOR A PARTIC'ULAR PURPOSE,
- THAN INSURANCE )'OU CqULD RURCHASE YaURSEtr. UNLESS WE HAVE GIVEN YOU A SEPARAU WRITTEN WARRA_NTY OR UNLESS SELLER
We wilradd~an'Y moni.'Y we advance on YOllr behalf to the balance on which we illlpo~~ ENTERS INTO A SERVICE COKTRACT WITH BUYER WITHIN-,M-OAYHROM 'flln)ATCbF
,Finan~e Charges at Il1e Ann~a.\fe!cen~ge Rale 01 thiS Conlrac!. Yol1 agrl!e to rllpay IIll! mISCOrlTRACT. . " .
,
", ~,_~t;S-uy,er'~ Guide Window', Sticker, I(the Car which is descrilJ()d on the face or this Contract has a Buyer's Guide Wind.ow Slicker required by lh~ Feder<'!1
': -1rade Commission Used.Car1rade Regulaliol1 Rule, thC' following notice applies: . , O'
: .: The infoirriatlo'n you see on the window form for this Vehicle is part of this Contract. Infoimation on the window form overrides any
T. contrary provisions in the contract of sale.
,'."_NOTlCE--ANY HOLDER OF,THISCONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD'
~, 'ASSERT 'AGAINSTiH(SELLER 'OF-GOODS OR SERVICE$OBTAINED PURSUANT HERETO OR 'WITH'JHE'PRO'CEED,S :HEREOC'RECOVERJ
HEREUNDER BY THE:DE~TOR'SHALl NOT EXCEED AMDUNTS PAlO BY THE DEBTOR HEREUNDER, ' , - '
NOTICE OF PRCPOSED CREDIT INSURANCE
lhe $igrlCl(s/ of Ihis Contract hcreby la~e(s) nrltiti' 1I1al GUlllp Cretlil Irfe Insurallcc c01craEC 01 Group r:redll flccident anll Oisabilily Insurance coverage l'/ill be applJcablc 10 lIri~
Conti act if so markc'; on the Ironl 01 this C.ollhact, ar.d r.ach such type of COVrral;l! wlli lJ~ wnllcn by lIle insurallce company named, Tbi~ insurilllcl'. sUbjecllo acceptance bl' Ill?
insUler;covers only lhe person or f\NsonssicningllteINjlJestlorsuchlllsuralll:r lhe allwlInl,ol chargc IS irlllicatcd 10rcachlypeofCrellitfnsurancetobepurchased..The lerm,,1
rnsurancc wilt commence as oj the date'the indelJlelll\~ss is incurred and will C~IJirc on tile oll&rnaj schudull.'d ma(urily data uf the rnllehtcdness, Subject 10 aCcej.ltance by the inSUlCI
and willlin.30 days, there will be delivered to 111e insulCd de!Jtor(~) a ccrtlltcale .of insurance 1110re fully desClIlJing the in~u,ance, In the evclIl of prepayment of tile inLlclltcdne:.s, a
refund 01 inSU1JnCecharces will tJemade when due,
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NOTICE: SeE OTHER SIDE fOR IMPORTANT INFORMAHON,
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SHERIFF'S RETURN - REGULAR
CASE NO: 2000-00874 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
HARRIS SAVINGS BANK
VS
COSTA CHARLES G
TIMOTHY REITZ
, Sheriff or Deputy Sheriff of
Cumberland County, Pensyl vania , who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
COSTA SCOT J
the
DEFENDANT
, at 0014:03 HOURS, on the 14th day of March
, 2000
at 9 MILLERS GAP ROAD
ENOLA, PA 17025
by handing to
SCOTT J, COSTA
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing His attention to the contents thereof,
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
6.00
3.10
.00
10.00
.00
19.10
r~~'
R. Thomas Kline
II1!:::
me this It
day of
03/15/2000
KeEFER, WOOD, ALLRN & ~~
BY:~~'
De uty Sherif
Sworn and Subscribed to before
q':'Q A.D.
, : L_ (2 l1A,idL.)
Prothonotary ,~
'-
"" ,~
-
I. __"0
j. ,
SHERIFF'S RETURN - REGULAR
CASE NO: 2000-00874 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
HARRIS SAVINGS BANK
VS
COSTA CHARLES G
JODY SMITH
, Sheriff or Deputy Sheriff of
Cumberland County, Pensylvania, who being duly sworn according to law,
says, the within COMPLAINT & NOTICE
was served upon
COSTA CHARLES G
the
DEFENDANT
, at 0013:10 HOURS, on the 8th day of March
, 2000
at CUMBERLAND CO. SHERIFF'S DEPT. 1 COURTHOUSE SQUARE
CARLISLE, PA 17013
by handing to
CHARLES COSTA
a true and attested copy of COMPLAINT & NOTICE
together with
and at the same time directing Her attention to the contents thereof,
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So Answers:
18,00
6,20
,00
10.00
.00
34.20
~~~<~t
R. Thomas Kline
03/15/2000
KEEFER, WOOD, ALLEN & RAHAL
Sworn and Subscribed to before
By:
qe~rvUH,
Dep y Sheriff
me this I., IY
day of
Of::! ;l(rtriJ A. D .
q. ,,M '--> () 1v..df" )}~I-
I Prothonotary
,-~ -'-
" '" ~, ,<
HARRIS SAVINGS BANK
235 North Second Street
Harrisburg, PA 17105
Plaintiff
IN THE COURT OF COMMON
PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
v,
NO, 2000-00874
CHARLES G, COSTA
1127 Nanroc Drive
Mechanicsburg, PA 17055
SCOT j, COSTA
1648-A Trindle Road
Carlisle, PA 17013
Defendants
NOTICE
To: CHARLES G, COSTA and SCOT j, COSTA:
You are hereby notified that on .Jttl;b J7 ' 2000, the following judgment
has been entered against you in the above-c ptioned case,
By default in the sum of $5,693,32, with
interest and costs of suit.
DATE: JlA_LI 17
I
,2000
/d (L:t;, .)j;?~
/ ( Prothonotary
I hereby certify that the name and address of the person(s) to receive this notice is:
CHARLES G, COSTA
4172 Antelope Ct., Apt. 115
Mechanicsburg, PA 17055
SCOT j, COSTA
1648-A Trindle Road
Carlisle, PA 17013
~
Attorney fo PI intiff
-,-,~
- -,
'0 _~ ' "',,, qO c'-,' '0 ~~, ' _,
~ ',--, '-'.
",< ~ -- -
HARRIS SAVINGS BANK
235 North Second Street
Harrisburg, PA 17105
Plaintiff
IN THE COURT OF COMMON
PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
v,
NO, 2000-00874
CHARLES G, COSTA
1127 Nanroc Drive
Mechanicsburg, PA 17055
SCOT J, COSTA
1648-A Trindle Road
Carlisle, PA 17013
Defendants
PRAECIPE
TO THE PROTHONOTARY:
Please enter judgment in favor of Plaintiff and against Defendants by default in the
sum of $5,693,32, with interest and costs of suit, for Defendants' failure to answer or
otherwise plead to Plaintiff's Complaint. I hereby certify that written notice was given
Defendant in accordance with Pa, R.C,P, 237,1 (copy attached),
KEEFER WOOD ALLEN & RAHAL, LLP
Dated: jv\ 1 \ L-\ ,2000
By: ~~~
EUgen~) Pepinsky, Jr,
Attorney I.D, #23702
210 Walnut Street
p, 0, Box 11963
Harrisburg, PA 17108-1963
717-255-8051
Attorneys for Plaintiff
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HARRIS SAVINGS BANK
235 North Second Street
Harrisburg, PA 17105
Plaintiff
IN THE COURT OF COMMON
PLEAS OF CUMBERLAND
COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
v.
NO, 2000-00874
CHARLES G, COSTA
1127 Nanroc Drive
Mechanicsburg, PA 17055
SCOT j, COSTA
1648-A Trindle Road
Carlisle, PA 17013
Defendants
IMPORTANT NOTICE
TO: CHARLES G. COSTA and SCOT j, COSTA
DATE OF NOTICE: MAY 26,2000
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO TAKE ACTION
REQUIRED OF YOU IN THIS CASE, UNLESS YOU ACT WITHIN TEN (10) 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
IMPORTANT RIGHTS. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT
ONCE. IF 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.
COURT ADMINISTRATOR
4th Floor, Cumberland County Courthouse
Carlisle, Pennsylvania 17013
(717) 240-6200
KEEFER WOOD ALLEN & RAHAL LLP,
By:
Eugene .
Attorney I. ,No. 23,702
210 Walnut Street
P,O, Box 11963
Harrisburg, PA 17108-1963
(717) 255-8051
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