HomeMy WebLinkAbout00-01484
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KEYSTONE FINANCIAL BANK N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS
. COUNTY OF CUMBERLAND
COMMONWEALTH OF
PENNSYLVANIA
VS.
CIVIL ACTION LAW
RICHARD J. DERR and
LORI L. DERR
d/b/a DERR'S HAULING
Defendants
CIVIL TERM 2000- IY f 'I ~ 1-,-,-
CQNFESSION OF JUDG~NT
Pursuant to the Warrant oC Attorney contained in the aforementioned Promissory
Note, the original or copy oCwhich is attached to the Complaint fIled in this action, I
appear for the Plaintiff and confess judgment in favor of Plaintiff and against the
Defendants, Richard J. Derr and Lori L. Derr, as CoUows:
Principal Amount due to date:
$ 9,134.41
Interest Accrued and unpaid
through March 10,2000
$ 501.63
Late Charges
$ 16.24
Attorney's Fee's Pursuant
to the tenus of the Note
$ 965.23
TOTAL
$10,617.51
with interest from March 10, 2000, on the principal sum of $10,617.51 at the rate of 10.75
% per annum.
RespectfuUy submitted,
Dated:~/~ LOCJC)
Duncan & Hartman, P.C.
BY:\^~.
William A.-Duncan, Esquire
PA In # 22080
Attorney Cor Plaintiff
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F1LED-OFFICE
OF THE PROTHONOTARY
00 MAR 14 PM 3: 04
CUM8ERU\~D COUNTY
PENNSYlVANIA
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KEYSTONE FINANCIAL BANK N.A.
Plaintiff
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IN THE COURT OF COMMON PLEAS
COUNTY OF CUMBERLAND
COMMONWEALTH OF
PENNSYLVANIA
VS.
CIVIL ACTION LAW
RICHARD J. DERR and
LORI L. DERR
d/b/a DERR'S HAULING
Defendants
CIVIL TERM 2000 - I '-/ ~ 'I ~ I p.--'
COMPLAINT FOR JUDGMENT BY CONFESSION PURSUANT TO
PENNSYLVANIA RULES OF CIVIL PROCEDURE 2951, ET SEQ.
Plaintiff, Keystone Financial Bank, N.A., by its attorney, William A. Duncan, files
this Complaint in Confession of Judgment.
1. Plaintiff, Keystone Financial Bank, N.A., is a Pennsylvania banking
Corporation existing under the laws of the Commonwealth of Pennsylvania, with its
principal place of business located at 1415 Ritner Highway, Carlisle, Cumberland County,
Pennsylvania.
2. Defendants are, Richard J. Derr and Lori L. Derr, d/b/a Herr's Hauling,
with a last known address of 7 Melwood Lane, Mechanicsburg, Cumberland County,
Pennsylvania 17055.
3. On or about May 3, 1996, Defendants Richard J. Derr and Lori L. Derr
entered into a Promissory Note in favor of Plaintiff, Keystone Financial Bank, N.A., in the
original principal amount of Ten Thousand and 00/100 (510,000.00) Dollars. A true and
correct copy of the Note, which contains the Warrant of Attorney upon which this
judgment is confessed, is attached hereto as Exhibit "A" and is a part hereof.
4. Defendants Richard J. Derr and Lori L. Derr, have defaulted in this
obligation under the Note by failing to make their October, November, December 1999,
January, Febrnary and March, 2000 payments of principal and interest due thereunder the
terms of said note.
5. Pursuant to the Note, judgment may be entered against Defendants Richard
J. Derr and Lori L. Derr, for all monies due without notice or demand.
6. Pursuant to the Note, and by reason of Defendants Richard J. Derr and Lori
L. Derr's default, the following amounts are currently due and owing Plaintiff Keystone
Financial Bank, N.A., by Richard J. Derr and Lori L. Derr, Defendants.
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Principal Amount due to date:
$ 9,134.41
Interest Accrued and unpaid
through March 10,2000
$ 501.63
Late Charges
$ 16.24
Attorney's Fee's Pursuant
to the terms of the Note
$ 965.23
TOTAL
$10,617.51
Interest accrues at a rate of $ 2.73 for each day after March 10, 2000 that this
indebtedness remains unpaid.
In an event of a petition to strike or open this judgment is flIed.
Plaintiff Keystone Financial Bank N.A., reserves the right to have interest and
attorney's fees brought current.
7. There has been no assignment of the Note.
8. Judgment has not been entered on the Note in any other jurisdiction.
9. Pursuant to the Note, $ 10,617.51 is currently due and owing Plaintiff
Keystone Financial Bank, N. A. from Defendants, Richard J. Derr and Lori L. Derr, and
Defendants, Richard J. Derr and Lori L. Derr, have failed to pay the amount due.
WHEREFORE, Plaintiff Keystone Financial Bank, N.A. request that judgment be
entered in its favor and against Defendants, Richard J. Derr and Lori L. Derr, in the sum
of $10,617.51 and all costs ofsuit.
Duncan & Hartman, P.C.
DATED:\)\;\(~ [~I ~O By:
William . D ncan, Esquire
Attorney for Plaintiff
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YFJUFICATION
I. Jack V. Hutchison, hereby verifY that I am a Sr. Vice President of Keystone
Financial Bank, NA, that I make this verification being authorized to do so, and the facts set
forth in the foregoing Complaint are true and correct to the best of my knowledge. I
understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section
4~_W___W~~
Sr. Vice President
Keystone Financial Bank, NA
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CERTIFICATION OF COMMERCIAL TRANSACTION
I, Jack V. Hutchison, hereby verifY that I am a Sr. Vice President of Keystone Financial
Bank, N.A., and, as such, duly authorized representative of Keystone Financial Bank, NA,
dieposes and says subject to the penalties of 18 Pac C.S. Section 4904 relating to unsworn
fldsification to authorities that the underlying transaction relative to this Comp1aint in Confession
of Judgment is a commercial transaction to the best of his knowledge, information and belief
. IV~
~ Hutchison
Sr. Vice President
Keystone Financial Bank, NA
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241-Gf16(?" F t H.qHC i ~iL Ti~U~:lT-
178 P[:12
t'lRR' if:! ' 00 14: 1&
PROMISSORY NOTE
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RefQren~ in tho shQQ8d ~!e for Lijndar's u-se only and d<'~ 5~~~~tt !he llP~llalbiaW of thls dOOumoot to allY- pw"ticular ~,~_ !_'!'!FJ1; _ ~
Borrower: Rlchllfu J, !'lef,
L<l!1 L Dan'
<Iba: ~'" i'laUlln!j
1'.0. ilClI: 622
Now Klnll_,"A li'072
Lemler: PBIIIS'fl.lIANIA NATIONAl.. BANK ANlllHUST COMPANY
CM'ITN.. OFFICE
IllO:l NORTH SEVOiTtI STREET
HARRISSURG. PA 17'102
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Ptlnclplll Amount: $111,000.00 Initial Rate: 10.250% Date of Note: May 3. 1996
PROMISE TO PAV. n_ .l,1Jen" ""'" ,-,.., L """'" (~'l_'" II> />IlY '" Pf!NNS'I1.VAlilA NA'llOIf.>L IllUll< AND 1'FlUST COMPANY
("i._..'l. a, cl'llet. In 11N1N1lTh>neV 01 lINt UI'IlIIld IlIa1es of AmtoriCOl. "" _.llIe pinci"", _AI 01 T.... Th_d .. 001100 llOIllts
($10._-"") or SO _ at< ""'Y be OUlll!.vllllllg. togeI!Ier wllJlli1lel_ "" lhe IlrlpOl<I otIt!lllIndlng po1"";pall>alaliCfl 01 """h oGlIl\ilte. Illllll'est
0/1011 !le .....ulo;led ""n. III<> dale 01 Olldl ad_ ",,"I nopay_ of __,
PAYMEIIT. UClrrower will pay ,nls loin Iml'ilodtOl.1Y _ l.endl!f'~ det'Il&l<I. In eddlllon, ilam"".' "'IU F'i '89"'''' ",,,,,ll1ly payments 01 all
acemml unpllitllln"""'" dU. as ..r each _, _. beg!".,;ns Jun. 3, 1_. Wl!lI lilt ouboolq_ I_cor paym_ '" be d.... an Ihe sam..
day ot each month after Ibat. In!R1l:r.Jit CNl thL~ Note is computed on a 3SS(OOO $imp!9 if1h~~t basis; that is. by l!lppf~lng lrlG ratio .of U1Q annU.Q! iniarH5t
ia.to over a year of 3150 days, mlJffiplrau by the out3tanding prulCipaI baietloo, miJ!tipUar! by ihC actual I'l:l!mbcr of days the ~rirlcipaJ balaf'lOO l.!;i
cul5bl.llCUng, BmTClWtil' will pay LendQr al Lomlcr',$ addfWA 511O'N1l r:etmVA or at sucl'l clhtlf plw;:Ei: K.~ I..ander may designate in. writing. U~lle~!$ OiherMstl
agl1f8d' or required by apprit;abf@ faW. paymoms wm be appllod tnt to ~um1 unpllid Irrteeost. then to pnm:ipaf, a~d iilnY romalning amount 10 an,!
unpaid c:ull8t~u'Jl1 cost!; .'ind lata char{lm..
VARiABlE IN1'OlEST RATE.. Tho: Interooi tete on ti1i5. Ni:IW is subject to ehltngu fTmn til"nt~ to thonG baseel en changes in an IOOex Which !$ L(.jl'l~*'s
Prtme Rafe (ths -lnooJ('). Tn!!) ~ thi raJa !..endet chargos~ OJ' wcukJ G~. Qt"i !3()-(ta,y 1.!n.~URid roam; to 1ne most Cl'oditwo\'"th)l r::mpOIata- C1JStclilGrn,
ThIS ra!e may Of rm"iY rmt be the !o~t rate availabto 1tom londsr at any g.iven tlme. lender 'MIt tan UorrO'A/llr the clM'cnt Index rate upon Booc:rwar's
roqL.'6'st. aCII'l"OWGf undar:.i,and~ that Lender nmy rr1flM [oons based on otnar r~ as well, The ifltet',gst (~te (:hanga 'wi!! not ccc:ur mora etten than
....h DAV. Th! Index CUmo<l!ly is a.21iO'1b per ""","". 1M Inlefm _ 10 I'JOl lijlpliftlltlll'le .npaItI prindpoi """""''' or ml!i Hole "'III he at .
rate of 2.CICtO pt;!eet1tage points meet the Index. resuiiting in an tnlflaf rate at 10.2!iQ'% Fr &tnum. NOTICE:; Under no clrmJlmtam:iS will ttll'J
Intcl'itSt (aJo on this Note be l'nere ttMkn the mIDmnUm tl!.\'t0 anOWttd bV app!icabSa taw,
PREPA'YMI:NT. BorrawBf mat pay without penajty alL or 4 pcrl1cr. of Ihe atllCwlt nwed e&11er than it as dUB. Emly plI.)'rnenfS will not, UflWSS aGfl~ed 10
by Lendar tn wl"illc'l9. ror~ Bcrm\l'Jer of Borrower's oohggtiml; 10 oontlnue t{) make pa\-lll1ar'i~ of accruGd W'lp~jd Intef8Si'. AO!Ifh~f. ii'l<W wllll'cduce too
pril'lCiC\aJ t)ati!llCp. due,
LATE CfURGE. !t Lel'iCoI" dotrnu'irls Pfl.",ITU:'lnt Of U"..IS toan~ ant:lBorrcwtM d~ t~ot pQ'j U'O loan Wlthii110 day$ after to-ltder~5 d.f$m~nd, Borrowcl' WU9
Ue c!wgea ",lllet 5,1100"" cline $um ,,'!lie ""'l"'ld pMclpol pl..~ ~ ""l3"I<llnlerest 01' *1.ao. _"ll~ve' I. gtealet,
DIJ'IWl.. T, S.rr.w., "'10 Ile in "a!aul! ~ ''''1 <>1 Ill.. ;,>1I....,'lI hilppeoso (al 60m0war _ 10 m.... MY ""ymer.i wI1<ln ,j"", {Il} B""",,"~J b,,,,,.. any
pmmL~~ 6orn:.wGI' has m808 10. Lcnm'f. 01' e"I'lOW'iM fails tu cump~ ....ni:tt 'Of fQ perronn when WJii MiY otl1ef' term., obllgmian, covenant. Of ccnditior'l
contained lrl Hm-I Note or any agreallil:mt r~te:c:Ilc thi$ ~>iOt8, or in any O;t~ler agreement or loan Br.m-ow81 ha:i With Lot:ndcl", (c} 8effowor dt~autl5 llncktr
any ktan, c::C!ef1:dOfl of credit" -security agr~u~mcn!. PUfch.Ma Of ~ agrp.urm::nf. ur any oth<< aoraornentt in favot" of any Qther en'ldllor 00' person that
nlflV materIally affect any of So-n"Qwers propMrty w Oonower's abilit'f 10 ~'Jpa'f thi3 Ncfe ur potfottt, Broower's oblig.lltlons under this Nota or any of ~na
HefaiBd OOOUrMiits. (tfl Any rfl?r&'>bSntafiol1 Of to_merit !TIaGe 0( fumishe-e- ta t..ondw by Borrower or on Gon"OWer"s behwf is false or mi3taHd!ng iil allY
rT'Jltmial ~t e1H1Cf r~ow or at tM tlnm t'OO\1e 01' furrnshttd. (8) Ucrnmer QieS & ber-..omoo JnSf.l(wrn. ii, mGGWru- IS appointed- fOt .ny pztlt ,rt Barrowfit"$
prQpertv. Borrower mak~ an a:ssignnwnt fur the beneflt of cradtlCUs. Qr any pioceedn'G Is commam:ad Rthm' by eClfto\\-~( Of aoainst BorroWiU :.l!1d9r
Slny bankrupk:y or inSitJl\'er\C'j' law$, {t} Any c-rMdltor tries to UikO' ~riY of Borrower's i=topef'ty 0/:"1 01' In which landtl'f has allem Of 5eculity jl"lteJ'aSt l'hlS
ioc!udUS.1). garnEst'lrnsnt ef any of eOUQwGf's Ci{;:;:mmls wrrn l..fJMor.. (g) An~' 01 the fWfl!1ts d~t1b.ed In ttJu. dtlt<:wit liMCtofl llt:(~UlS w[th res~ee1 to at'1Y
UUBr.lfltU~ at i!'Us NGtt.a, {h) A matel'iel adl<'elW dtl':lngH OCCISitI in BOil'CWOi"S fift~flC,W oonditiGf1, 01" L.orli1c-::r bclfetjas; tlw P(~{J'Bt:t at payment Of
potfC:tHn.IHl(:a c~f It~e Indabtedl1ti53 is m'lpaifCd, m L~ndOt In good faith det..n'is ilsoJf lnseeur~.
If any durau1i, ather thal'\ a dct.auft in payment. is CiJmblo and if ROl"rO'l.ll~r )'l,l:lS :'tdI b&a41 W.Jeo a l1Qtk:$ of a breach of !he ~me proW.::ilon nr tills Nota
wltl"lltt tho pi'OC~ldir~ !wOlVe (12) monttlSI rl moty be cured {and no evant tot dmautt wlii haWt oceuffed) It Borrower. after HiC[f-iVing wrlUen notice 'rem
lender d~l'ding CUf8 at StiCh dcfa\ll.t~ 'a~ 1:U1-m. Ullo'f aef&Jlt within I'itltJRl1 (15) oor'.i;~' (b} it the C!.llU mquwe3 mme than nttOO'o OS) d~v~,
immGdia~e::y initi.!lms steps which Lftndef df'..er'i'lS ,in L0m:H::jr'~ s~ d'iscJ,e-ficn- to be SU1fidGm to cure thu defauff and ~tte:r' COl'ltimM~ lind con':lpfGte.'& a.~
reGSOnublo ~md flOOe<<'~ 5tGi:i$ suffk:mnt Ie prcCltJoo IXlmpl{am:e as soon AS ,oosot'.abty pmcIiF..al.
LENDER~ RIGHTS. UpOrl dchM,t!t, tends! may. a1ta!. f1lVlnQ such nolk:R..... 3,'1], ruquimd by eppllc.eb1G i;;'il'l der.;It.f.l"B the aD"lti~~ unpal<d prinelpal balarlGB on
1his Nata and 411l;iecl'Ul!i~1 unpaid lnterost' immadlatmy dLl~~. and than BorrQWffi" will Pi\' U'lat amctJot. Upon d81alJn, including f~~urc (Q pay upon finnJ
maturl~Y, t..tlr'iI:Wl:'" at its opBitm. may atr.o. ~t parmittad umift~ ifqJfJbble law, incroase IhB ifKfiabIfj; inte~ ra.t@ 0f'I thi$ Nroo to 7,000 peroontsge pOInts
ovor the fndux. The in'flovest ~',j.t8 wiU ~lut exceed ihe I'mUiifmlm TlIilie permlittJd by a,pplic.;lbJR taw. Lmlder i'liBV hite 01' pay .somE....me also fo OOlp ool!Get
thl'S Note 11 Borrows!" dot..~ not pay. BmITlW'W alSo w~f pay lender that amuunt. Thl::i illctl.ldes~ $ubjacl w ahY ~mUs unc!e" appl!caUCa law. lendet's.
attcrr~1 It>>LJ and Lent.f.efls li')QS1 cmponwz whuthBf Of not: U'IC((t is Iii lawsuit, lndudlrsg aitorooys' fM$ and ~I Kl<pi:U~ fer WJl~lu"lJptcy proceedings
(including efforts 10 modifl,o or wealo MY aut.om.m:: stay Of iliJtJl'lCtten)., ~8t ami any anticipated pos.t-judgroont coUectign "~, If not
protllblmd by appJ!cable lol,W\ IJnnOWt.~ ~ w!l! pay any l;oort t."'05b. II'D nddillon fo WI c1thar sums provided by law. It jud.gmHnt is entC:lrG(1ln connBr.'brm
with ttWi Noi:8~ f(it6'I'a.fit Will contintlft 10 uctu\Ia on Ih~ NQtfJ after jud;,.;mt,~'d at the lrnerost r.:.de ~G!l to :hl:s ~ at tM(4 tifi'I-fJ {udgmarlt Is ettUlrBd.
1111. Nole 1oL~ ..en <Iell_ 10 l"",I... Olld """"plod b'! l.enrier In fhe Com!llCl'lW4l&llJI ol NtI""I'W""ia. It lh.re 10 . law"''', B<lr7owet agrees
UIlOl'l LOlld."" r<oqee.", '0 _Ii 10 Ihe jUri$(!lellOn ot Il1e "".m. of DlI\Ip/lIll CoonI\', lbe C_lll ..,I'''c.....IYMlt.. Th'~ Net" 0I.0111le
;over_by lilld """..I,ue<i in 8<<:0,_ wijh II"' I",""of Ule Commo......ah of 1'..1l.....iV..l...
RIGHT OF SE'TOH~. Borrower g.r~mls !uL-codef g ct)nuac.:h.lal P~I securlrj intOf~1 int .End htan:~bV iLs'Slgt'1$, CCJnVo1Jl,l$. daf(vets. pfadges. and
trans!e.'!i to lef1d~r itU QC)((owef'S fish!) flile and ln~l'GSt ;n and to, BOITQWcFS acegums with t.,endsf {wm:tftt'r et'l~I"O. savinGS, CJ!' &0"'13 othor
account), ;nctucUrIQ withm,lt hnli1mion 'WI ao"'..Ql,llltJ hBl.d ,itli(;It~ with $Cltl'teOOO Q-t,;;y atnd ~l acaounts Sonow(!'f may 'lpftnll"llhe fututa. exeluding huwol/e!"
ail rAAand Keogh accounts. and wi ttu:;:,t aOOOJJnt~ tor which tho l,)tInt of a ~lntv' intAtri!.<d wt'!o!d be prohibited by l.aw. S:ormwet Gufhcrtms umoEr, te,
the wdur.t ptilrmittod by tlppji~bl~llaw, to charge. c~ setoff sir sums owi{VJ O(l th~ NClte againrA any 3m! 8ft sooh a~l,lllts,
LINEOf' CI'llIDIT. This NCIICG'Ii<!o<lcl>>,a l<IV'lI1I1II\lI","ofCl'edfi" ~. """",thIS Ncle "",yoo ""lues!,," ",ally by eo''''''OI".' by"" aull1","",1
person. lander may, but r19d /lot. roql,l.l:'(i fhat ~ll oriitl mquF.",A$ 00 confirmed il"\ WTl.t1ng. Ai commllm::a~om..lnstructlon'>J. Of dirndionS by telephone or
:.,f,- )"'j;<;1't t!'\ l,'~'fld,~r 'lrf~' t~) ~.,,, "!i~'Re~~ 10 I._~tld~ ~fX~ :11C....,':-1 ~b~v~, 7M fo:tawinq oarty ur par1ie!-. Iim authort~ to roqlJ~t advam.."BS Jjmj~.lr tt:'M lir'[,'
':;'i .;:.:,,;;., ..',", _;,'lC~f fQ,:,,:li'....;, ,;" 1 ~ ,.,.-='N,J~ dt ;,,:i~'dOt:; .1f.drf~..'i. ;;;i'lOWf'~ , .v .,~ ..,;...;,l :. .,-,.:: u'-"'_',~''''' r d.t.:, ~.,'", ,-.;...,~lf ~" >0,,' ....., .., , .
241-0060 FINANCIAL TRUST
178 P0.3 . MAR 10 '00 14:17
lJ5..03-1996
1.011II No 501...30001
PROMISSORY NOTE
(Continued)
Page 2
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I- 1leIT. BormwIIr agraes to be,li@IB lclr all sums ei\II8I: la)"- In 1IIlCCIfda.... with U1e insltucllclfl$ of an autlulri28d pGI$On or lb) CI1IdiIBd to
any ClI Borrower's .......n\s wIIh Lend... 1118 unpefd prfnclpal_ owing en lhIG Note at any time may be evidanc:ed llyn_Is an Ihis
Nolo at by l..8ndet'S inl8mallllCllrds. Including dUy campullr plint-G\lIs. ~ wi' MII8 fIG ob!iIId<m to adwnce funds under this No18 i" /a)
B_ or any gunll!clr lslndlillullllll1clir tIlD ...... u111i5 NclI8 or any llgI8OI1IlInt lhaI ec.,_ or any lIU818lllot has with Lendet,lnclUd1ng any
lIQI8IJ"""" modIl in CGnnecllon with IhII signiI1g oIlhIG Note; (b) __ or 8l'tf gII8I8IIIor _ doing bUlli..... or i5 insolVenl: (e) any lIUlRlltor
seeks, cI8IllIS or OIIIIIIWi9lI ~ 10 Omit, IIIIIdiIY ot rIMlka such guonudor's gu8l&nlaI oIlhis NuIII or any, othIr loan with Lenclir; (d) BonowBr has
applifld funds provid8d Pumlallt lillhls Nullllar pulJlOIIlIS Glhet IIIan \l105e au\I1onz.d Ily Lend8t: or le) Londllr in good faith dBBrlIS llsell IlISllCUI8
und8r lIlis NoIoIlr any atIler qillIIm8nlb8lween LInd.. and B_.
GSQ!RAL PROVISIONS. Tl1iSNoIo is paYlbl8 on dIlmand. 1118 inclusion oIspecitlc dalaldl provisions or rights of Lender shaD nol Pt4lClud8 LandBr's
r1ghlllo decIII8 payment 01 thiS NIile on lis d8mand. Lanclir II1lIY delay or forgo en!Qlcing any ollis righl; or I8mad1es Underlhis Nolo Wll/loullclelng
'ham" _ end any ottier parson wl\O signs. g...... or a_ this Note, 10 U1e - allowed by law, WIIi\le p~, demand !or
P8Y11!en!, prolBsllll1dno1lC8 OIdishQl1Clf. Upon any change ilIlh8 Ierms alibis NOIe, end unkles oII8wISe txpI8SSly sIatIId. in WlIIilIg. no pllfly WhO
stons lhisNole. wh8lhll< III riJa!<er. llU8l8lllot. aocolllllllldllliDn maloIIl' or 0/ld0IW. shIIII ba raleasad !rom lilbitily. All such parIiIB 8Q11l8 lhal Lender
mill' I8I18W or Il\lIIlIId~ lII1d far any IelIQIh of lime) lhia loan, or "'- any party or gtlIII8IItor II( CGI/allII&I; or impair. IailIo - upon 01
perleill LonM -1llIIY in~ in lhll coIIat8nd; and f8ke any oIher action __ .-,y by Landir wllhoullhll c;o...nl 01 ot nOllca to an~na.
AII_ Pad* qolllreelhlil.l.elIclar may modify Ili5lO8n wlthoutlhll aonsent,oI 01 _10 anyone _lIl8It lhll party with wnollllhll onlllf_
is I11I\CI8. Tha obUll8tiana under thill NoIUI8 jainllll1d....... II any pclI1lon of IIIis IIolB is lor any _ -.nined 10 ba ulI8_bla. ~ will not
_ thB __Dill' oIanv other pnMoions Oflllls Nola.
CON~llN OF .'!:IClGMEIIT. BORROWER HIiREBV IRRE\IOCAI!L Y AUTHORIZES AND 811'OWEflS AN'( ATrORNEY OR ll-lE PROTHONOTARY
01'1 (UFlK Of' ANV COufIT IN THE COMMoNWEALTH Of' PENNSYLVANIA. OR asEWHERE. TO APPi!AA AT AN'( TIME FORB()RROWER AfTER
A DBFAUL T UNDER THIS N<ml. MID WITH OR WI1l1OUT COMPlAINT FILED. AS OF AN'( TERM, CONFESS OR ENTER JUl)GMENT AGAINST
8OI$OWEI'I FOil THE ENTlRE ,PRINCIPAL IlAIANCE OF THIS NOTE. AlL ACCRUED IN'l'ElIEST. LAlE CHARGES, AND AN'( AND ALL AMOUNTS
EXPENDED OR Al)VANOEU BY Lj;NDER RELATING TO AN'( COUATeIlAL SECURING THIS NOll! TOGETHER WITI-I INmlESf ON SUCH
AMCl,UII/TS, TOGETHeR Wlll-l COSTS OF SUIT, AlIID AlII AlTORNE'I'S COMMISSION OF 1EN PEllCENT (10%) OF TIiE UNPAID PRINCIPAL
BIU.Ji,NCE AND ACCRUeOINTEREST FOR COlLECTION. BlITIN ANV EVENt NOT I.OSS THAN FIVE HUNDRED DOLLAf!S (S5l)O) ON WHICH
JUDGMENTOR.JUOGMEIIII'$.ONEOR MORE EXEcunONS MAY ISSUE IMMEDIATELY; AND FOR SO DOING, THIS N01J;. ,OR A COPY OF ll-lIS
NaTE VERIFlEt) ,BY AFFibAVIT. SHALL BE slJfFICiENT WARRANT- THE AUTHORnY GRANTED IN THIS NOTE TO' CONfESS JUDGMENT
AGAINST BORI'IOWER St1AiI. NOT BE EXHAUSlED BY AN'( ElCERCISE OF THAT AUlllORI1V, BUT SHAlL CONTINUE FROM TIME 10 TIME AND
AT AlL TIMES UNTIL PAYI\1EI\lT IN FIJU. OF AlL AMO\JNTS DUE UNDER THIS NOTE. BORAOWEA HeREBY WAIveS AN'( RIGHT BORROWEFI
MAY HAVE TO NOTlCEoR 10 A I-lEAAING IN CONNEcnON WITH ANV SUCH CONFESSION OF JUDGMENT AND STAlES THAT EITHER A
REP\'!ESENTATlvEOF Lj;NDeRSPECIl'ICAU.Y CALI.EIl '!'HIS CONfESSION OF JUDGMENT PROVISION TO BORROWER'S ATTENTION OR
~ HAS SEEN R~PRE$ENTED BY INDEPENDENT LE(W. COUNsa. TtE UEN ARISING FROM AN'( JUDGMENT CONFESSEO OR
ENn;RED PURSUANT 1'0 THE I'OREGOlNG AUl'liORI1V SHAlL NOT EXTEND 10 ANV OF SOIlAOWER'S RESIDENTIAL REAl PROf'ERTY AS
mAll" TERM IS DEFINED IN :J!'iEpENNSYLVANIA ACT OF JANUAFIV 30, 1974 (PA. LAWS IS. NO.6). REFERRED 10 AS THE LOAN INlEREST AND
PROn,cnON LAW, AS AMENDEtI. AND THE HOlCIiR OF ANV JUDGMENT CONFESSED OR EI\lTEFIEIl PU.RSUANT 10 THE! FORGOING
Aun~ORJTY SliA/.L NI1J". IN ENFORCEMENT OF ANV SUCH JUDGMENT, ElCeCUlE. LEVY OR OTHERWISE PROCEED AGI\IlIlST AN'( SUCH
AESlOENTfAL. FlCAL PfIOPERTY; PROVIOeO. HOWEVER. nVlT nE LIEN OF SUCH JUDGMENT SHALL EXTEND TO SUCH RE$lDENTIAL. IlEAL
PRopeRTY MID THAT THE, HOLDeR THEREOF SHALL BE PERMImD 10 EXECUTE, LEVY OR PROCeED AGAINST SUCH RESIDENTIAL REAL
PROPERTY FIIOM AND AFTER, THE ENTI'IV OF A JUDGMENT AS CONlEMPl.AlED BY SECTION 407 OF SUCH LOAN INTEREST AND
PROI'EC1'ION V.W AND RUlES 29lj1 10 2!lll6 OF TH\O PENNSYLVANIA RUU:S OF CIVIL PROCEDURE. OR SUCCESSOR OR SIMILAA STATUTES
AND RULES. NO LIMITATION OF UEN OR ANV ElCeCUllON. LEVY OR OTHER ENFORCEMeNT CONTAINED IN THE IMMEDIAlEL Y PRa:eDING
SEl\(fENCE SHAu. N'PLY WITH RESPECT TO AN'( JUDGMENT OBTAINED C7THEFl mAN BY THE FOREGOING AUTHORJ1V TO CONFESS OR
ENIEA JUDGMENT.
PRI(lA TO SIC~1I11lG TIllS NOTE, EACH BORROWER READ ANI) UNIIEIl$TClOD AU. THE PROVISIONS 01' THIS MarE. IMCLUOING THE
VARIAIILI: INTl:REST RATE PROVISIONS. EACH BORROWER AGREf!S TO THE TERMS OF THE NOTE AHD ACKNOWLEDGE$IIECEIPT OF A
COMPLETED COPY OF THE NOTe.
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OP'THE rtlOTHONOTARY
00 MAR 14 PI1.3: 04
CUMBERU\ND COUNTY
PENNSYLVANIA
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KEYSTONE FINANCIAL BANK N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS
COUNTY OF CUMBERLAND
COMMONWEALTH OF
PENNSYLVANIA
:
VS.
: CIVIL ACTION LAW
RICHARD J. DERR and
I,ORI L. DERR
d/b/a DERR'S HAULING
Defendants
:
CIVIL TERM 2000 - /'-IN ~ T L<-,
TO: RICHARD J. DERR, Defendant
"-
You are hereby notified that on March 1'1 -:2000, judgment by Confession was
,entered against you in the sum of $ /0, (, 11. :f I in the above- captioned case.
DATE: ~ I 'f, ~frH)
(1,AL-; /2 e, 0"
Prothonotary
YOU SHOULD TAKE THIS PAPER TO YOUR LA WYER 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.
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LmERTY AVENUE
CARLISLE, PENNSYLVANIA, 17013
717-249-3166
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I hereby certifY that the following is the address of the defendant stated in the
,:ertificate of residence:
7 MELWOOD LANE
MECHANIC
A
, Defendidola
Defendidos/as
Usted esta siendo notificado que e1 (day) de
(month) del 2000, se anoto en contra suya un fallo por
confesion en la suma de $ en el caso mencionado en e1 epigrafe.
FECHA:
Prothonotario
USTED DEBE LLEV AR INMEDIATAMENTE ESTE DOCUMENTO A SU
ABOGADO. SI USTED NI TIENE UN ABOGADO 0 NO PUEDRE PAGARLE A UNO,
LLAME 0 V AYA A LA SIGUIENTE OFICINAPARA A VERIGUAR DONDE PUEDE
ENCONTRAR ASISTENCIA LEGAL,
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LIBERTY AVENUE
CARLISLE, PENNSYLVANIA, 17013
717-249-3166
Certifico que la siguiente direction es la del defendidola segun indicada en el
certwcado de residencia:
Abogado del Demandante
-
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.
KEYSTONE FINANCIAL BANK N.A.
Plaintiff
IN THE COURT OF COMMON PLEAS
COUNTY OF CUMBERLAND
COMMONWEALTH OF
PENNSYLVANIA
VS.
CIVIL ACTION LAW
RICHARD J. DERR and
LORI L. DERR
d/b/a DERR'S HAULING
Defendants
CIVIL TERM 2000 - / 'I J''/ ~ T L<-
TO: LORI L. DERR, Defendant
You are hereby notified that on March / 'I, 2000, judgment by Confession was
entered against you in the sum of $ / D. t. /7.:5"/ in the above- captioned case.
DATE:
~. R'~'r-
Prothonotary
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.
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LmERTY AVENUE
CARLISLE, PENNSYLVANIA, 17013
717-249-3166
'J?:!.
I hereby certifY that the following is the address of the defendant stated in the
certificate of residence:
7 MELWOOD LANE
"Att~
A
, Defendido/a
Defendidoslas
Usted esta siendo notificado que el (day) de
(month) del 2000, se anoto en contra suya un fallo por
confesion en la suma de $ en el caso mencionado en el epigrafe.
FECHA:
Prothonotario
USTED DEBE LLEV AR INMEDIATAMENTE ESTE DOCUMENTO A SU
ABOGADO. SI USTED NI TIENE UN ABOGADO 0 NO PUEDRE P AGARLE A UNO,
LLAME 0 V AY A A LA SIGUIENTE OFICINA PARA A VERIGUAR DONDE PUEDE
ENCONTRAR ASISTENCIA LEGAL.
CUMBERLAND COUNTY
BAR ASSOCIATION
2 LmERTY AVENUE
CARLISLE, PENNSYL VANIA, 17013
717-249-3166
Certifico que la siguiente direccion es la del defendido/a segun indicada en el
certificado de residencia:
Abogado del Demandante
-Of
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][(EYSTONE FINANCIAL BANK N.A. :
Plaintiff
IN THE COURT OF COMMON PLEAS
COUNTY OF CUMBERLAND
COMMONWEALTH OF
PENNSYLVANIA
VS.
CIVIL ACTION LAW
RICHARD J. DERR and
LORI L. DERR
IIJbJa DERRIS HAULING
Defendants
CIVIL TERM 2000 - JL{ YV ~ (L<-.
ENTRY OF APPEARANCE
TO THE PROTHONOTARY:
Please enter our appearance on behalf of Plaintiff, Keystone Financial Bank,
N. A. and enter judgment for Plaintiff and against Defendants, Richard J. Derr and Lori L.
Derr for damages.
Duncan & Hartman, P.C.
DATED,\JWwl1l~tb4, ~
Attorney for Plaintiff
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ALED-<JFRCE
~F THE PROTHONOTARY
00 MAR I Ll PM 3: 04
CUMBERLAND COUNTY
PENNSYLVANIA
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C.iUl(
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IN THE UNITED STATES BANKRUPTCY COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
JtJ/V 0
5~
IN RE:
RICHARD J. DERR and
LORI L. DERR,
Debtors/Plaintiffs
CASE NO. 1-00-01348
CHAPTER -r /3
v.
ADVERSARY NO. 1-00-00116A
KEYSTONE FINANCIAL BANK, N.A.
Respondent
.1.8. VOI...1J1J; No.~31f
ORDER
J..nJi,
day of
AT Harrisburg, in said District, this
JUllL
, 2000;
UPON consideration of the foregoing motion for entry of
,
default judgment, in the above-captioned proceeding, and it
appearing that the defendant has not filed an answer to the
plaintiffs complaint, good reason appearing therefor, no
objection appearing thereto it is
HEREBY ORDERED AND DECREED that judgment be and hereby is
entered in favor of the plaintiffs and against the defendant for
he relief prayed for in the plaintiffs complaint, to wit, two
judgments entered by Keystone Financial Bank, N.A. against the
plaintiffs, the first in the amount of $18,155.54 in the Court of
Common Please of Cumberland County indexed to 2000-1487 Civil
Term, and the other in the amount of $iO,617.51 indexed to 2000-
1484 Civil Term, be and hereby are stricken and voided as
preferential transfers.
FilED Harrisburg. PA
I TIME A.M.. P.M.
BY THE COURT:
IsI Robert J. Woodside
ROBERT J. WOODSIDE
Bankruptcy Judge
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