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Home My WebLink About00-03636 ~ ~" c, , , < IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NATIONAL CITY BANK, SUCCESSOR IN INTEREST TO INTEGRA BANK/PITTSBURGH Plaintiff No. 00 - ..31.31,:. CI.ucL I~ vs. COMPLAINT IN REPLEVIN LARRY L. L1EBRUM, JR. Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Lori A. Gibson, Esquire PA 1.0. #68013 WELTMAN, WEINBERG & REIS CO., L.PA 2601 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#01914729 !ii,' IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION NATIONAL CITY BANK, SUCCESSOR IN INTEREST TO INTEGRA BANK/PITTSBURGH Plaintiff vs. /1-..- Civil Action No. 0--0 _ 3(.,.3 (., ~ 1<.,4-. LARRY L. L1EBRUM, JR. Defendant COMPLAINT IN REPLEVIN AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. OF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 'po;.' '" COUNT I - REPLEVIN 1. Plaintiff is a corporation having offices at 6750 Miller Road, Brecksville, OH 44141. 2. Defendant is an adult individual residing at 36 Betty Nelson Court, Lot 11, Carlisle County, Pennsylvania 17013. 3. Plaintiff is the holder of a Note (hereinafter the "Contract") and Security Agreement secured by a mobile home duly executed and delivered by Defendant in favor of Meals Mobile Home Sales Inc., the Seller, on or about May 26, 1995. A true and correct copy of the Contract and Security Agreement is attached hereto, marked as Exhibit "1" and made a part hereof. 4. Pursuant to said Contract and Security Agreement, Defendant took possession of the mobile home more particularly identified in the Contract as a 1995 Skyline 68 x 14, Serial Number 2N111181H. 5. Meals Mobile Home Sales Inc. subsequently assigned its right, title and interest in said Installment Sale Contract and Security Agreement to Plaintiff. 6. Under the terms of the Contract, Defendant was to make one hundred eighty (180) consecutive monthly payments of $197.40 beginning July 1, 1995. 7. The total amount due to Plaintiff pursuant to the Contract was $35,532.00. " ----., j ., ~1~ 8. Plaintiff maintains a first lien on the aforesaid mobile home by virtue of the Certificate of Title issued by the Commonwealth of Pennsylvania Department of Transportation, a true and correct copy of the Certificate of Title is attached hereto, marked as Exhibit "2" and made a part hereof. 9. Defendant are in default of the terms and conditions of the Contract because Defendant has failed to make the required monthly payments since January 28, 2000. 10. Plaintiff is entitled to immediate possession of said mobile home which Plaintiff holds a security interest in and any proceeds of the mobile home, including insurance proceeds by virtue of Defendant's default. 11. Defendant has made partial payment under the Contract leaving an unpaid balance in the amount of $25,895.06 as of January 28, 2000. 12. Plaintiff avers that the Contract provides for finance charges at the rate of 11.50% per annum. 13. $496.32. Plaintiff avers that finance charges from January 28, 2000 to March 28, 2000 amount to 14. Plaintiff has performed all conditions precedent as holder of all right, title and interest in the collateral, but Defendant wrongfully remains in possession of the mobile home at the above-stated address. ~iIIiilIl!k" 15. By virtue of Defendant's default, Plaintiff has an immediate right to possession of the mobile home covered by the Security Agreement the value of which is $19,341.00, plus continuing finance charges at the aforesaid rate of 11.50% per annum. 16. Under the terms of the Contract, Defendant has undertaken to pay to Plaintiff its reasonable attorneys' fees and costs of retaking possession of the collateral. WHEREFORE, Plaintiff prays for Judgment against Defendant, individually, in Count I of this Complaint In Replevin, as follows: A. For possession of the mobile home, more particularly identified as a 1995 Skyline 68 x 14, Serial Number 2N111181 H or, in the alternative for damages of $19,341.00 the value of the mobile home plus continuing finance charges at the aforesaid rate of 11.50% per annum, in the event that recovery of the mobile home cannot be obtained; B. Reasonable attorneys' fees and expenses for retaking possession, and; C. For such other relief that the Court deems just and proper. COUNT II ACTION IN CONTRACT FOR IN PERSONAM DAMAGES 17. Plaintiff incorporates herein by reference thereto each of the preceding paragraphs of this Complaint in their entirety as if the same was more fully set forth herein. 18. In the alternative to Count I, Plaintiff pleads an action in contract as a result of Defendant' default for the accelerated balance due under the Contract in the amount of $26,391.38, plus appropriate additional finance charges at the rate of 11.50% per annum on the balance due from March 28, 2000 and costs. 19. Under the terms of the Contract, Plaintiff is entitled to recover reasonable attorneys' fees and costs of retaking possession of the collateral. 20. Plaintiff avers that such attorneys' fees amount to $200.00 to date and that said fees continue to accrue. 21. Contemporaneously hereunder, Defendant has been advised of his/her right to dispute the validity of this debt, or any part thereof, pursuant to the Fair Debt Collection Practices Act 30 Day Notice, attached hereto, marked Exhibit "3" and made a part hereof. WHEREFORE, Plaintiff prays for the entry of Judgment on Count II against Defendant, individually, in the amount of $26,591.38 plus continuing finance charges at the aforesaid rate of 11.50% per annum from March 29, 2000, reasonable attorneys fees and expenses for retaking possession and costs. ~ -- Lon . Gibson, E PA I.D. #68013 WELTMAN, WEINBERG & REIS CO., L.PA 2601 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 G AND REIS, CO. L.PA WWR#:01914729 THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. , EXHIBIT \\ \11 . ~ [-'-'ole IF YOU DO NOT MHI VOURCONlRACI OBLIGATIONS, YOU MAY lOSE JljE MOIllLE /1 ';? HOME AND PROPERlY THAI YOU llOUGfH /01.:...1, WITH THIS COIHRACT, AND/OR MONEY ON lip Code DEPOSIT WHH THE ASSIGNEL () ThisCDolracl is belween Seiter 3nd lluyer, All 11; J7()l3diSCJOSUres ha~e been made by Seller. Seller . mlends 10 3ssign lhis Conlf3cl 10 lhe Assignee. lipCodels) JnlldsConlracl, n ~:';~llERJjM h t l"biJi 4,,~:YI hnlC-,r"r)):j(,h1~vLL, '-C4{bLt~a Name Address t..!-J-J~ ::::;;,,(S\JGV(~ L.Llehfl'-;;;- Jp, )/~J3dJ~J..b.km-. (b"A ('ar/(.)" Namel Add,ei.(e'l PROMISES J01HTAND SEVERABlE: U thele is mOlo lhan one Buyer, each of you promises, separalely a Ild togelhel,to pay all sums due us and to perform all agreemenls in lhis CtIn113cl. TRADE-IN: Ynuhavelradedin IIlefoflowingvehicle: -$ =$ Year and Make Selle~ G.o~s Allowance Still Owing Net hade-In 1/ a batance is ~till owlnz on the vehil;le you have traded in,lIle Sellef will pay on 1I1i~ amounl on YOUI behal!. You wauant and rep'e~enl to liS Illat allY trade.in i~ tree 110m lien, claim, encumbfance IIr secufity inte/esl, except as shown above a~ the amounl "Slill Owing." PROPERTY INSURANCE: You may choose the person through whom in~ulance is obtained azainslloss 0/ damaze to Ille Vehicle and aZalns, IlabililY arising wi 01 use Of ownership ollhe Vehicle. If you obtain pfopelly insu,ance Illfough us, the premium co~ts lor Ihe insurance term~ indicaled IN!lllw are included in the item called To Property Insufance Company in Ihe ITEMIZATION Of AMOUNT fiNANCED seclion 01 Ibis Conlracl, In lhe secllon called YOUR PROMISES ABOUT IHSURANCE on the reverse side 01 this Co nlracl,you are promising to insure tbe Vehicle and keep il insured. Mobile Home Olher PhyslcalDamagelns.$__Ieun Mos jDescfihel.... l. lellll _ Cillnprehenslvcen Olhe, Mobilellolllc lerm MIlS I(}escfibe) _fuand TOrn Theil $ Ie/m Mos. CHARGE $ CREDll IHSURAHCE IS HOT REQUIRED: Credil Life lnsu,aflce is nol lequ ired loobtalfl Cfedil,and willnol IN! provided unless you sign below and agree to pay the addilional cosl_Please lead Ihe NOnCE Of PRoPOSEDC RED1TJNSURANCEonlhefeverseslde.Yourlnsurancecerlilicaleorpolicy will lell you Ihe MAXIMUM amount 01 insurance available. CredilLile Insufallcewill_notbe pfovided. _be provided lorlhete.molthec.edi!' _be plOvided lor _mollllls. l~lln By signing. you selecl Single C.edit life Insufance, Whalisyo~r 8ysigning,)'OubolhseleclJolnl which cosls $ age?~YeafsCleditlilelnsurance.whlchcosts$ Whalare Vourages? I. , Sillllihi,o'siJiix.tidluyelslotUlii,sUledlol JOlnl Ciellil tile i Ilsura/lce' " l!lill!~r: ___._'__~~_ VEUICLE: You aKree 0 Illllcbase, ululef the IOllllS 01 Ihis COI1I.acl, Ihe lu!lowi'\~llIobllellume and ilsal\phinCes, IUllIihlle, 1IIIIIIIlllmlll allll fillmr.s, wlljch i~ called Iho" cllide" 01 "Mobito 11011I0" in lhis Cunl.ad '-'Niii'-o.iraIl1IMal1"'aclU;;;;---~ib-&W1iiiil'-'---- Color & Model SmlilHUlllhrr Ai m{ Stllr~; WaX IT--G(~I-~;;'~r;~.~'V'~-;;8J If EqUipped --:"l I cP ' .il" .'1<;. 41?V l1iJJ,J1t(,rAri,,(,,/ 'Tf1,lm:i 't '- ")i(.42JII1lWhLLaIiII/ru<, ASSIGNU: We may assign Ihis Conlract and Securily Agreemont 'II the kislgn~e named IIIIIIIS secllGn, whIch 15 Ihe Asslgllee, n at any trme the Owner ollhe Contract anignslhe Conlfacllo anothef assignee, the lerm then relel$lo such other assignee. After Ihe Auignmenl, all/ights and benetits 01 Ihe Sellef In this Conl.acl and In lhe Secu.lly AZleemenl shall b elnnz to and be enlorc:oableby Ihe Asslrnee. The Assignee Is: INTEGRA BANK/PITTSBURGH CO.SIGNER: Any person signing Ihe Co.Slznef'sAZfeement below pr omises sepafaleJy and lozelhel with all Co.Signor(sJ and Buvor(s ),lopaV all sums due and to perlorm all agreemol1ls In lhis Contracl. Co-Signer will nnl be an Ownel 01 lhe Vehicle. CO-OWNER: Any pefson sizning the Co.Owne(s Securlly AZ'Dement below zlve susilsocurUyinlefcslinlheVehicleandagleessepalalelyal1dlogetherwith aIlCo.()wno/ls) and Buyel/s),lo peflonn all agreemel1tslnlheSecufllv AareemenlandallolhefparlsllllhisConlraclelceptlhe"PlomiseloP~y"secllOn. lERMS: The terms shown In the bOlllS zbove ale pall 01 lhisConlracl. Mos. Itemization of Amount Financed Ca~h Price tl1dudlngSales & lUll/'y Tal ,0 ,r.:/P,CO ca5hDO~;trnenl: U $ "0'.jJ:O Hetlrado.ln , lolal Do:;/~rne~ Of) , b'1' UIlPaldjtPliceDatance , &87'/'\" 10 Cledillll~1Il3nC~ CIlI1lII~IlV I 10l'wll~rlv InSlllallc~ CUllll\any , 10 Public OHidals lor: ucense'/tS, and ReelshaUon $ [iO..' lien Fee $ 5,00 To".1ffl -- , I,.ov I, - , I, ----- - - ._t__.____.~__ .. ---. ..-. I, -~-- -- -- --..'----..--.--- --.- IlmounlFinallCtd "" ___' )(/}l,Y). rinanuCllal&U ---LLdkJ,C) . (.It) TolalolPayments(Iimelhlal1ce) --1;t25',3.1. OC'~___ Payment Schedule. YOII a~ree 10 pay 10 us Ihe Tolal of raymenls ill /So u'linleflu{lled monUII~ paymentsol$ )97, YO each,al1d . Ilnal paymenlol $ ,Q7,Y-D Ihelirsl paymentwillbedueon.Ju.l\.! I 19'15 ,andlhetlpaymen1:s willbedueontha'~amodayol each month lollowing. M" PROMISE TO PAY: You ar/ee 10 pay uslhe Tolal Sale p.lce lor IheVehicle by ma~inzllle Tolal Oownpayment and payinz us Ihe Tolal 01 Payment! in Ille number and amoul1l 01 monlllly payment! sllown In the Payment Schedule. You promise to make payments 011 o. belore Ihe same day 01 each monlh as 'he lirst paymenl due date. You agree 10 pay all olllel amounl~ which may become due under Ihe lermsol Ihis Conlract You azree to pay Ihe Seller or A~siznee cosh of suit, You alsllagree lo pay feasonable allorneys' tees il Sellel or Asslr nee hires 311 attorney 10 collecl amounlsdue under Ihis Conlracl '" to prnleclor get possessio not tlie Vehit:le. You aglee 10 make pavmenls al the place or send paymenlsto tbe address whicb IlleAssignee most lecenlly specllies In the wfillen nolice III you. SECURITY AGREEMENT: Tn secu/e the paymenl 01 all sums dlle anrl1he pellormance 01 ~II .equhed obJigalions umler IhlsConlracl, you give a secu/ily intereslm tlm Yefucla. III all appliances, lU/llitu.e, equipment and lixlules (called "atcessloll s")allachedtolheYehrclealany laler time, and In any p'oceed~ 01 Ihe Vehicle, hldudmg illSUfallee plOceeds. IlIe ASSignee IlI~Y sel.ol1 anyamounls due and unpaid under !llis (;(lnllacl agalns,l any III youlllloney ol1depoIl1 wl'h Assignee. Thts include~ any mone~ which i~ now or m3Y III Ihe luIule be deposllelt wllh Assignee by you. Assignee 1114; dolhi~wllhoutany prielnollceloyou. ADOITlONALTERMSANOCONOITIONS:IHISCONTRACTCONTINUESoNTHEREVERSESIDE. yoUAREoBUGA1EOTOAlLIHETERMSOFTHECoNTRACTWlilCllArrEARONIHErROHlAHD REVERSESJOES, 8y signing below, we azree to sell Ihe Vehicle tn you undellhetellll sollhlsCon'racl. NOTICE TO BUYER DO NOT SIGN THIS CONTRACT (N BLANK, YOU ARE ENTITLED TO AN EXACT COPY OF THE CONTRACT YOU SIGN, KEEP IT TO PROTECIYOUR LEGAL RIGHTS. _~ DUV"CI'~''', ~,:J!3 . ,,-_(5[AlI $/2101'0 '1'nf/I-.~t'j!L.( Ih!!' SEll'" fDw.b fr\", 'D\~ ~ -............ \-~~_~~L. , -4 l~ \ "v., - ,2Jj,: ,', \,;:;'i I'" '''I ','0' ",u c~r and M~nullClllJcf lCllfth&Wullh Culul&Mudel SUllalNulIlbul .- I T. I T. I Amaunlfinanced JU) ~&9.f)O-,--------_ rill.nc, JAZe $ b3:J.OO TolaloIPaYlllen15jTime8alance! ---125S_:hl ,00____ _. hymenl Schedull . VUII i1~ree tu Ilil~ 10 us IIle lulil 01 l'i1~lnellll III /80 unlntelfulltedrnonlllly paymenl$lIfS N7.YO each,anda final payment o! S /97,l.{-D Ihe!lrst paymentwillbedueon-'u..L'1 ' 1995 ,andlhenpayments will bedue on tha15ameday 01 each monlh lol!lIwing, L 2, Signllures of bolll Duyer5 10 be insured tor Jmnl Credil lile lnsuran ce IlIsut VEHICLE: You agree purCMSe, under Ihetelms 01 tIIis Clmlracl lhe following mabill! home and its appliances, turnilure, eQuipmenl and lixtures. which isulled the , ehicte" or "Mobile Home" in this Clllllratl / - . . .b!,?~ G:I,'hd"J JJ p'q5 Sldfllfl{ "'8~ 1+ G0-~ fu~- (1I\'r CJJIJn 1/81/1 [4Ull)p~'lI :.( ~;~'-.d~ -:te" (1lamda.du/ll~C1\.IDI(,q'_t.'J..<A'I(l1JerrhLJ(I/){) /CR.:!,_.__ ASSIGNEE; We may IS~I~nlhh CUllllacl aud ~cullly A~'~~lllellllo lhe ^~~j~noc Ilamud In lhl~ ~ecllUl\, which Illhe "Aulgnoe," II al any t!lIIe Iht Own~r of lhe Contracl migns file Conlracf fo anolher amgncc, Ihe tcrm rllen fillers 10 wch //tiler ISsil:nee. AnI!( lire Atsifillmml, aN rq:hls IIfld /lelle/lls 01 the Seller in 1IlisCtlnlrilcl i1nd in Ihe Seturity flereumcnlshall belong 10 and beenrorceable by Ihe Assignee. lhe AuiBnee is: INTEGRA BANK/PITTSBURGH CO-~tGNER:Anyper$On$igninglheCo.Signer'$Agleemenlbelowpfomisesseparalely i1nd togelhe, wilh all Cu.Signer(s} and Buyer(s ),10 pay all sums due and to pellorm aU ig/eemenls in this Contlie\. Co.Signer will nol be an Owne. 01 the Vehicle. CO.lIWHrR:AnYPClSonsigningtheCo.owner'5SeeulilyACfoolllenlbelowgivesusasecur~yinleleslinlheVeh'cleandacree5separalelyandlogelhefwitll aIlC~.owner(sland8uyelh),toper'oflllallagloomenlsinllLeSecurityAgreement and allothef parts 01 th,s Conl,act elcep! lhe "PrDmise toPa (section TERIdS: The telms shown in lIIe boles above are Il3rtOf thisConllacL PRolllSETo PAY: You agree 10 pay us IheTolal Sale P,ice lorlhe Vehi cleby making lheTolal Downpayment and paying us the Tola' 01 Payments in Ihe numbel and amount 01 monthly paYlhenls shown illlhe Payment Schedule. You promise 10 make payments IIn or belole the ~me day 01 each m01l1ll as Ihe li!$l payment due date. You agree to pay all oilier amounts which may b&Qme due undef the lerms 01 this ConllacL You agree to pay the Seller 01 Assignee COSl501 suiL You also aglee 10 pay le3sonable allorneys' fees il Seller or Assignee h Ire5anallorney10 collecl amounts due under lhis Conlracl III to plol&lor get possession 0 flheVehicJe.Youaglee to mah payments allhe place 01 send payments to the address which the Assignee most recenUy specilies in Ihe wlinen notice 10 yGu. SECURITY AGRHIAErH: To secure Ihe payment or all sums due and the pertormance 01 all rellllired obligations under thIs Contlact, you give a secunly inte lesllll IheVehlcte, maJl appliances.'urnilllre,equipmenl and hxluies (called "acceSSIOIlS' 1allachedtolheVehlclealany later t,me, and in any ploceeds o'.lhe Vehicle"lncludmg insura nceploceeds. The Ass'gnee may sel.ol1 any amounts.due and ullpaid Ilnderllus Conlract against any ot your money on deposit with Assignee. This mcludes any money whIch is now 01 may in the fuluro be deposlled wllh Assigneebyyou.Assigneem_idolhiswithoulanyprioloollceloyou. ADDlTJOHAl TERMS AND CONDITIONS: THIS OONTRACT CONTINUES ON THE REVERSE SIDE YOU ARE oBUGATED 10 ALL THE TERMS OF THE CONTRACT WHICH APPEAR ON IHE FRON lAND REVERSE SIDES. SElllRilleol6 \Y\a D.~ OY C NOTICE TO BUYER-OO NOT SIGN THIS CONTRACT IN BLANK, YOU ARE ENTITlED TO AN EXACT COPY'Of THE CONTRACT YOU SIGN, KEEP IT TO PROTECT YOUR LEGAL RIGHTS, II. BUYlRfJ77/;1?1 ~ lS~ll 5~~ BUYER (SEAL) By signing!Jelow, we agree 10 sell the Velliclelo you underlhe terms ollhisConlracL Date CO.SIGNER'S AGREEMENT: yOU SHOULD READ TIlE NOTICE TO CO-SIGNER, WHICH HAS BEEN GIVEN TO YOU ON A SEPARATE DOCUMENT, BEFORE SIGNING THIS AGREEMENT. You, Ihe person (or persolls) signing below as "Co-Signer," promise 10 pay 10 us all sums due on IlIis Conllaet and 10 perform all agfeements in Ihis Contract. You inlend 10 be legally bound by all the terms of IlIis Contract, separalely and Illgether, with lhe Buyer. YIlU are mal:inllthis promise 10 induce U5 10 ,"akc Ihis COOlrDCl with the !luyer, ncn thOUGh we will use the proctedl only for Ihe Dllyer'l benefit. YOllllgrcc 10 pny even tllouuh we may notlU'Ye mllde 1111)' prillr demllnd for 1'llymCm on lhc lluycrurucrcilcd ullrlecuritylnlcrcll. (SEAL) ClhSigncr'sSignlllllre Addrcss DIlI.e (SEAL) CO.Signer'sSignatlll'€ Address Dale CO-OWNt:Il'S S):CURl'rV AGlU:I\Mt:NT; VOll,Ihe person lilluillll bclow IlI"Cll.Owner,"lollelher wilh the !lUyer Of OthHwiie helllll all of the OWl1cn llrlhr Vchkle, llivt In a Sr,UlUlty h,lm,lllIth, V~hIL'lo 111~lltU'rOllllbtl~o, VUlllllllI~ In b~ hmuul by the 11111" IIf Ih. S,,'mIIY ^1I1UI11~III11mllln IIlhet I'll" Ullhh ('Illltl~l't r~('~llllhf "1'Wl1Ihr 'I',l I'n" IfCllnll, YlIllareBlvl"IIl1ltheleclIlllyllltelellIUllldllCell'lu'IIRkrthflt'lI111raclwhhlbe IILly",lnd lUI'Clllcthel1KYUlelll by the llllyrr ur nil ILlllllllnrllll1 hh('UIl1tUC\' YuuII'll! nul be 1e1llunllbtr fur any ddidellCY wlelcllllligllt be due nllrr rqlUlsruiunllnd lair uf Ihe Vrhide. (SEAL) Dale CD,Owner'sSignlllUtr AddrelS ER, AS APPLICABLE, ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS CONTRACT DUYER CO.SIGNER NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION. Co.SIGNEROR Co.{lWNER .. 1994llANCONSUMER SER~IC[.IH~ 45303 ORIGINAL TO BANK 1iIIIilIiilI..... ,,~, .....-";."lUiilitl~t'........ - J.<*,""" ........I.I"....L IL..IfI..'I..V l,.l,/lIV, I Il,/II.. I. PkEPAYMfliT: You may prepay the Iolal of Pay men IS, in pafl Of in full. al any lime withoul penally.Jfyouqlepayinluft,wewillpayorcredilloyouarelundolthe unearned pollions of Ihe fin",ce Cha'ge and credil insurance premiums you paid, We will delermine lhe amount 01 Ihe relund 01 finance Charge and insurance premiums by using an accounling melhodcalled Ihe Actuarial Melhod. This method assumes Ihal aU payments a,e made when due, II you make a parlial olepaymenl1 you plust conUnue 10 make payments accordin~ 10 the Paymenl Schedule until Ihe total amounl due on lhis COlltracl has been paid in lull, fbis wilt ,educe Ihe numbe, 01 paymenls you will make. 2, LAUCIlARGI:nuye'agr~eslopayatalectlalgo'or allypaynwnlnolmallewiUlin 10day$ allel ils Ilue dale, lhot~lo char~e ""111,110 2'llo Ilor rllunlh u, IlIe un[lilid allleullt 0' 'he [laynlllllt We will cUIl~llluf allY I'DII ut a morlth in oxce~! ullO llays to he a lull monU!. 1110 lato chllKe wrll he duo whcu ealned, Nu late ctlalKo w,1I he lIue il lI,e rea~mllhat tI,e payrnentis tate h bl'Ciuse, allerdo'aull,llleelllireoutslandingbalanceulllIlisConlraclisdue. Nolale chalge will be due il tile only ruson lballhe paymenl is late is because 01 a lale charge as~essed on an carlier payment, 3.WMVERS. a. WAIHR BY SELL(R AHO ASSIGNEE: Wo arlll ASligllee waive the flr.1It 10 tl(',lt any prollorlyulecuritytorlhe/epayrrlOntollhisCorlhacleueptlorUIe Vehiclr' and theolhcr seCUlilyspedticallymenlionedinlllisConlracl. b.WAlVERS BY 8UYER,Co-SIGNIR ANoCo.OWNER: You agree to make all p ayrnentsonor befolelheY3feduewithouloulhavinglllask.YoueiveupanYfieht you may have to reQui/e thai weenlorceourfiehtsagainslsomeothelpelSonolPlope/tybeloltweenlo-rceourlip,btsagainst YIIU. YIIU agree llrat we may give up our lights against someothef pmon bu lnola~ainstyou. You waive due diligfllce in collection alld all delenses based on ~urety~lllll and irnpairnle,rt 01 collale/alorseCUfily. 4.IHHRESTAfTERMATURlTYAHDJUDGMfHT:lntefoslattherale provided in this Conlracl shaU con!inue 10 accrue on the unpaid balance until paid inlul1,eve nallermaturilyand/lllalter we ge! a judgmenl againslyou lor the amounts due. This will apply even il the maturily occurs becauseolacceleralion,Ual any lime lnlelesl as provided lor in t his palagraplt is nol Ilflmilled bylaw,inlerestshallaecfueallhehigheslraleallowedbyapp!icable law beginmng at that lime, 5. YOUR PROMISfS ABOUT OUR UCURIIY IHHRlST: You will nol permil anyon eolhellhanus 10 ohtain a seeulity interest or other rights in the VehiCle. You witr pay all firing rees nece~~ary IlIr us 10 obtain and maintain 001 seculity intelesl in Ihe Vehicle. YIIII witt a55i~1 us in havin~ OUI secllrily inleresl noted on the Cellilieale of Tille 10 the Vehicle. You wiU not sell or give away Ihe Vehlcle. II someone puis a tien on the Vehicle, you wiU paylhe ohliga lionandclearUlelien 6. YOUR PROMISlS ABOUT THI VEHIClI; You will keep Ihe Vehicle in good condition and repair. You will pay alt talles and charges on Ihe Vehicte, YouwillpayaUcoslsolmainlarnin~ Ihe Vebicle. Yoo will not ahuse lheVebicleor permit anything 10 be done to Ihe Vchicle which will leduce ils value, olhel than lor normal wear and use. You will nol use the Vehicle tllr i1tc~al pUlposes 01 tOI hire ollnse. You will not move theVebiclc 1rom your address shown on the honl 0' Ihis Conlract 10 a new pelmanenl place wilhout notilying us in adv ance. You will permit us 10 inspeclllleVehiclealanyreasollabletime, YouagfeethallbeVehidewiU,alallllmesunliltllis Conlract is paid in lull,lemain penonal properly. You agfee 10 place lhe Vehkle m such a way lhatilcanberemovedwillloutsubslanlialdamageorimpairmenlolilsvalue, If you plan to place U1e Vehi-cle on a premiscsyou are teasing, yOll must obtain a landlord 's Waiver salistaclory 10 us. The landlord's Waiver must permit us 10 elllel on tbe premises alld to lepossess the VehiCle it we havelhelightlodosounde,lhisConhacl.evenifyeuareindelaullolyou,lme.Ycuagleelhat ~ou musl pellorm your promises under the Contract even it the Vehicle is 10.11. damaged 01 deslloyed. 7. YOUR PROMISES ABOUT INSURANCE: You will keep lheVetlicleins\ll~d af.almlllre, Ihell andolher halilldsagainslwbichownel'scuslorlrarilyinsUlesuchVehiclesurllll all sums due us are paid ilt lull, The insulaftCe coverafe mllsl be lalisfactory to us and prelect youlllltelesls allll 12 SOME WINGS YOU SIlOULO kNOW If WE REPOSSfSS IllE VOtlClE: Il we r~po\~m wrlhmll our inle'esls al lhe time of any insuledloss. The insurance must nam eU$as"loss.payee'"onthe using a p,overnmenlolhtlill (by reptevin): policy, The insurance must be wlillen byan insurance company qualified to do busll1ess 111 a, NOllCE:Wewrllsendyoua Nolice 01 Repossession 10 your lasladdreslwekrrow aboul Pennsylvania and licensed to sell insurance in lheslalewhe/e lhe Vehicle is pelmanMtly kepI. This Notice will tell you howtobuyback[redeem)lheVehicfe, This Note will atso lell youolher The insurance policy musl prllvide liS with al leasl 10 days priol w/ illennoliceo'anycancellalion inlormationfeQuiledbylaw. 0/ reduction in coverage. On request, you shall deliver the policy or ether evillPnce of insurance b, CURE: You have Ihe .ighllocme your Oefaull a! any limp belore we selllhe V~hirle.ll Vou coverar.e 10 11$ In tlle evenl of any loss 01 damaf.e 10 Ihe V,!lricle, YOII will irnm~di,11rlv nnlrlY!ll in rUle ynur 1l~1~IIIl, the (:mllr,lr:t wrll rerrllirl in elll'l:t ~s [l1lf1lf,h thr 1l1!lautl hall rmllllTlIIll'd wliltrrg ami frill a [110111 uf jlllS wilh Ihu IlrSIlWf. WUllIay Illr! a Iluwl llf 11111 Olr YOIII lmhall il YUlI c, 1I[llfMI'IIOH: Yml hm IIIl! fighl to 11tl~ h~d IU'III'lIllt} tho VI'hil'll! wlUun I~l rlay\ III fail m fllllll,1I111 dn III, Wu U1~~ tlrtljlln~ YUill 't~lrtl! hi itlty dllll'~, III~fl III ulhm 1ItIlrIHllltnl WI! m~llJlt~ tlll' Hnlil:l' uf UI!IIlI'~UI\i1rll nlllf ~I nrty 1~I1'1l11lw 11I'lurl' WI' It'lIlhll VI'lm;!r' rlltf)I~lIlllllaYIIIII/l1 uf all Imllred 11m IIr .clllrninstllante vremiUIIII. We /IllV alrlrly arty d SALE: If YOII do rrol wle your Uetaulllll redeem, you give Ul' all claim to and we WII! sell inlulance proceeds we lecelve to lepail 01 'eplace the Ve',icle if, in OUI OPIOIOn. it is IheVehltle, Ihe money leceived at sale will be used to pay coslsand expenses. all d lllen 10 pay economically feasible and yoll are,nol tben in delaullundellhisConllilct. Dlherwrse, we-wilf the amouot you owe on Ihis Conlracl. applylhe insulance proceeds 10 reduce the uopaid batance due us e SURPLUS OR DEflCtENCY: !t tllereis money leU, we witl pay il 10 the Ruyel, If thOle is 8. DUR PROMISES ABOUT INSURANCE: This paraelaph applie~ cnly i! we have cOlrlracled to nol enoogh mooey trom the sale!o pay whal you owe, Buyel and Co.S,gner agree III pay what is pUlchase physical damage, complehensive, llre and/orthe!linsur anceal your expense and Ihe sllll owed !o us. IIlwUumllasbee.l\lncludedw.thel\moulltHnaneed,lldoesMta{l\ltVtoCredi(lllsllranr;e.Uvou I, EXPENSES: We have the righllD cha/ge you, and you agree 10 pay the cests 01 plepay the sums due on IhisContracl, unlessyouspecilicaltYleQuestcancellalilln,lhein$uran~e repossessing, siDling" repairiog, pleparing for sale and sellinglhe Vehicle as may beatlowed by will remain in el/ectloils scheduled expilalion dale,lllhe insulance we obtained lor you is law, Thesecosls will only be due if: cancelted b~ Ihe inSllrance company prior to ils scheduled expiration dale, we '11111 altempllo I, De'ault exceedsliUeen 115) day~ at Ure IlmeollePOsscSlion; place comp.alilblein5ulance wUh anDlhelin~urancecompanyollyour behall and give you a copy 2,lheamounlolcoSlsareactual,necessaryaod/easonable;alld olanyinlulancepo~cyweoblainonyollrbehal!.lfweareunahletodoso, we will notily you lhal 1 We can plOve lI'ecolts were paid, YOIl musl oblaillleplacement insurance Irom an agent 01 blokel 01 your choice, It replacement 11 IlElRS AND PERSONAL REPRESENTA11VES BDUND: Allel your dealh,lhlS COlllracl shall be coverage fesl/lls in addilional co~1s 10 you for the unexpired period 01 the orielnal inSUlilllce enlo/ceable againsl your heils and personal 'epre~enlalives ot your cllale policy, we will reimblllse you for Ihe eosls. 14. GOVERNING LAW: This Contract is 10 be inlerpleled accordill~ 10 Ihe law 01 rerllls~l~allla 9. OUR RIGmS If'tOU BRIAKYOUR PROMISES ADOUT TIlE SECURITY IH!fREST, VElllCLE 15 SIVEHABlLlIY or PROVISIONS: 1l10r allY In'lIII any lIarl o'lhis r.mrlra!.l ~h;,1I he'"IUI' OR INSURANCE: U you laillll keeil YUill IlIellli~l!s tu P,lY IJhll~ lees, ta~e\, liens or the costs Ilecess;ny III keep lhe Vebicle h, ~uorl coudilrorl arlll rellai" w~ rMY advarrce auy money you . ill~r.al, void or ollelllorceahlc,lhal[lall shailllot bo a,larll,llhis Conllact 11Iurlrjs~d lu pay, Il you taU 10 keell your lllumises aIJrlut le1luired iflsulallce, we may arlvallce 16. ASSIGNMENT BY BUYER: Uuyor sllaU no! assir.1I thiS r.onlr,l~1 money 10 obtain insufallce 10 cover IDSs Of damage 10 U,e Vehidc.- We haveUr~ choice 01 whelher 11 THERE ARE NO WARRANTIES BY SEllER, EXPRESSED OR IMPLIED, INClUDING IIIE or 1I0t lu advarlce any money lor lllese llulposes. Such insUlarrce will he 11I11iled 10 an amoull! nut WA~RAN1IES Of MERCItANIA\lllllY AND rlTN'ESS rOR A PARIICUtAR PURPOSE, UNLESS groat~lthall YOII owe orl U,i~ Conha~1. You ar.leo to repay Ihe muney we advallfe and to ,ray a WE IIAVE GlVrH YOU A SrPARATE WRITTEN WARRANIY. NOTlCr-ANY HOlDEII or tlUS CONSUMER CIIUllT CONTllACTIS SUBJECT TO All CLAIMS AND 1l[f[NS[S WIftClIlIlE lJ[IlTOR COUllJ ASS[RI AGAINSTlllr SEllER or GOOllS 011 SERVICES OIlTAINfO PURSUANT IIER[10 011 Wlrll TIlE PIIOC[(OS Il[[lEOr, RECOVEIIY IlER[UNOER IIY IIlE UUIIOR SIIAll NOllXC[[[) AMOUNTS PAlO BY TIlE DEBTOR HEREUNDER, finance Chafge on the muney we advance at t!teAnnual Pefcentage RaleellhisContfact. You agree 10 lepay Ihe money ad~anced n we alone may specify: Ii) immedialety on dcmand, olM along wilh you/monlhly payments, fl we choose 10 allow you to repay I hemoneyadvancedalDng wllhyoul monthlypaymenls, we can choose llle amount Ilf Ihese payments and how long you have 10 repay, It any of our liehts staled in lllis paraglaph is not p ermiHed by law, we shll bave Iheother Ifghls menlioned, Our paymenlson your behall wifl nol cure your failure to perlorm your promises in lhis Contract Tlte promises yeu made in llle sedrons above called YOUR PROMISES ABOUT TIlE VHIlCll afld YOUR PROMISES A80UT INSURANCE and 011I righls under this srctioll shallflOl merf.e with anyjudf.menl ~ntr./edln any Ipr.atactiorl a'lIl shatlal,pl1 uuhlaUimuulltsuwl'rlalo!'a'dmhrll , 10 OHAULJ: hi Ulis ll,mr,llllh "Vuu" mcans tho IhrYI~I, C".Sip.utl anll to OWllr", 01 ~ny lIIW 01 Ihr.m.Youw,llhr.i" "llelalrll"ufUlutonlractilauyouuor 1tI0luofl hutolfuw",r,lh'UE\I,al'l.en a, You du nolllla~e any payrnelil on or belole it il due; or b You donol keep any promile yeu r'lade irllhi~ COlltracl; 01 c. You 110 not ~ee'l any promise you made in anoJlwr COUll,lct, Nnll!.ln~I' or Ar.II'r'lIwllt wrlh Sr.!lcrlllAllil:rwl';ur II, You llIad~ ally IlIIlrue 11,1lemcnl in tlr~ fWllil ;Iflplicalluu l(lf Ihis CClIlllacl; or e YuurollllIllIWdanylorgClyincolluectionwilhUIISCUn!ract:or t You die. arc convicted el a cllrnelnvolving'faud or disllllnes!y, 0 r are found by a court wilh jurisdiclion todo so 10 be incapacilaled; or g,Youlilebaokruptcyorinsolvencyproceedings,orauyonefitesbanklu[llcyoriusotvency proceedin~s against you; Or h. You lalle the Vehicle oulside the Uniled Stafesor Canada wilhoul 0 urwrillellcoM~nl er i, You U~r! the Velri~le or allow sonreO!le else 10 me it in a way Ihal causes II not 111 be ~1I~emJ byyour'mucance;or j, You do somelhing Ihal cause~ the Vehicle to be subjecllo conliscation by govelflmenl authDlilies;or ' k. The Vellide is lost slolen, destroyed or damaged beyond economica lrepair,andllOllilOllor toundwithioaleasflflabletime;of I Another creditoltliestDlakelheVellicleer your money on deposll wllh Alsignee hy legal process 1l.OUIl RlGHTS If YOU ARI IN DEfAULT OF JltIS CONTRACT: II you are in Oelau Itolthil Conhacl, we may enlolce OUlliglll3 according to law, aflel we have given you any applicahre noliceand/Ol,ighlloculeaslequired hylaw,Wemayalsodothellllngsspecilicallyrncnlioned in Ihi~ COlllract. We may de olle o! lllese lhings and al the same time or laler do another. Somc of lhelllingswemaydoalelhe!ollowing: a.ACCHEIlAl10N: We can demand tital you pay 10 us the en:ile unpaid b atance owing on the Contract andolher moneydlle, you agreelhal you will pay thIS 1Il0ney 10 liS irl one si"gle payment immediately upon receMng OUI demand b. REPOSSESStoN: We can fepussessthe Vehide, unless prohibited bylaw. Wecandollu~ oUlselves.haveaQualiliedpersondoillolus,orhaveagovernment oUiciat [by fCplevin} dOlt'or us, You aglee lbal we car, peaceably come en to your propefty 10 do litis ,Wemayldeanyothel things lound in the Vehicle, but wlllleturn these llrin~s III you il you ask. U you wanl these things back, you agree to ask us io a leller senl to us byce/Hfied mailwilhin 24hoUIS, II you do 1101 send us lhis lelle/, you give up any claim 10 these thing~, You agree Ihat we may u~e your ticense plalelinrepossessinglheVehicleandlakingiltoaplacelorllorage, c. VOLUNTARY DElIVERY: We can ask you '0 give us the Vehicte al ~ rea~onablv convenienl place, You agree to give os Ihe Vehicle ilwe ask d, OELAYIN ENFORCEMENI: We can delay en'orcing our rir,hls rmdrl this COlltracl wllhnlll losinf any rr~hls NOTICEOFPROPOSEOCREOITINSURANCI j lite signells) of this Contlacl hereby lake(s) notice thai GlOup Credit lile InSurance covera~e will be applicable to Ulis Conlracl il so marked 011 lhe Iront 01 Ihis Contract, and Ihe co~e/aee will be writtellbylheillsuranCeCOnlllanynamed. This insurance, subjeclloacceptanceby the i!lsulel, covers only Ihe person or persoJlssignin~the reqrlesllol suelr insurance. The amount oJ char2e is indicated 101 Iho Cledil tnsurance 10 he pUr~hased. The term 01 insurance will commollce as ollhe date IIle illdebh!"ne~~ is inculled and will expire on the oli~il1lt sclwdul"d maturity date 01 tI," indebtedness, unless a shorler le/m Is so rlla/ked on the 'ront 01 Ibis Contract, Suhjrclto aCCe[ltallce by U'e insurer allll wllhll\30days, there will be dehvered 10 the insured d~htur(~l acerhl,catu 01 insurallcemo,e fully describing Iheinsurallce, In Ihe evellt 01 pi epaymentoltheilldchtedllelS,alelundolilllUlarlcochalgeswlllbe malle when due. NOHCE: SH OlHEIl SIDE fOR IMPOIlIANI INfORMAHON. TilE PROVISION BELOW IS NOT PART OF TIlE PENNSYLVANIA MOBILE HOME INSTAllMENT SALE CONTRACT BETWHN THE BUYER ANO SElLER. ASSIGNMENT To induce you, Ihe "Assignee" idenllfied on the lace 01 lhis Cenlracl ,lopulchaselhewilhin Conlract. the SeUel hereby warrants and lepresents. and conlinlles 10 warrant and reprosenlthal'thc sale has been made in stricl conlolmity wilh all applicable lederal, slale and local laws and re~ulalions, inCludmg, but noltimiled 10, Article 2 ot the PeMsY,lvania Umform Commercial Code (13 Pa C.S.A ~~2101 et seQ,I; our title 10 Ihe Contracl and the Vehicle coveled thereby IS allsotule, 'ree 01 all hens, encumbrances and Securily rnle/esls, and is subi~cl only 10 the lights 01 the Ouver as sel lorth therein; tile Conlracl is genuine, lhesignalureslhereon a re noltolgeries, arose hom Ihe sale of !he Vehicle thele'ndescub ed.and all parties lhereto are 01 lull age and had capac'ty 10 contf act; the desc,iption 01 the Vehicle and exlra eqUIpment is complele and correcl: the cash downpaymenl and/or IIallo.m allowance were aclually !fcelved and no pari thereof conllsled 01 notes, po,t.rlal~1I checks,o!her credit advanced by us 10 Buyer or rebates or simila rpayll1enlsflOlIlustotheBuyellho\\"e~erfnanll'acIUler rellates llIay constiMe all ur a paltoflhedowllllaymenl);aUwauanlrc som! stalements 11Iereill ale true; tllere is owing Ihereon the folalel Paymenls sel torlll therein:. we ale duly trcensed under lhe Pennsylvania Moto/ Vehi~le Sales finallce Acl and !lavc duly corllpll~d With aUreQUlremenlsthe,eotwilll respeclto the lransaction and with I he ledelal Trulh'ln.Lendmg Act and with allyolher lederalol sla te law. ,ule or legulalion applicable 10 Ilrrs Conlract: a mDhllr. Iwrnc lille cerlllicale showing a tien or encumhrance in lavor 01 Assignee h as heen or will be applied lor pmmptly; Ihe Buyer(stnamed inlhe wi!h m Conhacl is larej personally known to Ihe Sellel tobc tho same identrcal personls} wllose si~natUle(s) is lale) allixed to thl~ Conlract; a"d Sellelltas no knowledge ollacts unparring lire valldrly or value 01 the Coni/act. 11 any such wilflilnhes or represenlations should be breached al any lime, Seller shall repurchase said Conlract horn Assrgnee, on demand. and wrUpay Iherelo/, in cash, Ihe amounl owmg Ihereon, cmnpuled as set forth helow, and said lemedyshall be cumulative and not exclu;ive, aod 5hall not aflecl any olher IIchlorrernedY,lhalAsllglleenught haveattawolineqllltyaBalll~ISellel.ln Iheevenl Il,at Buyer falls 01 lefuses 10 make any paymenl due hereunrler on Ihe assef~on, either.orat or written, lha! the Vehicle isdeleclrve. nol as represenled 10 tire Ollye, by Seller, or Ihal Seller ,eluseSlo Ironol any warral\!~ or service agreemenl 01 Seller or manufacturel;'Sellel'aElees Illal, on being advi!ed by Assi~nee 01 such claim 01 Buyel, S~ller wrlllepulchase the Conllacllrom Assl~nee and pay Assrgnee lor same immediatelv in accmdance with the repCfrchase lemls ~el tOlllllrelow, ami Sellnr hllther aPlrp, tn 111,111 A',rpnrl' haunlpII Irlllll ~IIY nthPJ rlaill1' nl AllYN, i'lrhr,hlli' allnll"'v" rr", rll,l, ~",I .'r"''''''' ,~, '<..~: Itilh'MJI'hll'j'I::H III ~: I 11;:1 :J::h\II'~'1'~ "j:'l'H.' ru , , DEPARTMENT OF TRANSPORTATION. CERTIFICATE OF TITL!EFOR A VEHICLE .--.{"- 9531J1I1J1J72D02132-DOl 2N;Ul1/;llH 95 SKYLINE 1l1l81D!l236D1 U .\IEHICLE IOENTIFlCATION NUMBER YEAR 'MAKE OF VEHICLE TITLE NUMBER 1 I I BODY TYPE DUP SEAT CAP UNLADEN WEIGHT GVWR GCW.. nTLEBRANDS 9/22/95 11/01/95 I I 11/01195 :D~~~~T I 1# DATE PA TiTLED DATE Of LSSUE PRIOR TITLE STATE ! ODD"', PROCD DATE DOOM, STATUS .....,;' ODOMETER STATUS "';i 0- AC"TUAJ. ....LUGE ~ t. \-t.lIi.EAGEEXCEEOSlliEMECl-tANlCAl . ~' _.........._qr- ~.~-- '-~-.:tiL<-::..~"":..:.~....~.:;.<-""'.'- ";-t ~'~MlI.EAGE ; I " , / ' r ~- t,lOTTHii~.t.IllEAGE-oDOMETER 000 HER OISCtbsURE EXEMPT BY. F,EOERAL LAw. ,. ;'~:;;.';'::;:~"'=o'"" REGISTEfJ.DO'M'IER(S) i; "-NffiOU~~~~ it~. 'iE~-I-~~t~~NJ~riiJRT '-'. E=..';:;~~~s ~R ,000fAlBLInON. t.' CARLISLE',PA'17D13 . ".~~"""'-"""" .1..,. l-...-tOGGIOOVEHICl.E ,..J. P - FORMERlY" POUCE yEHI:;U; R-RECONS11'ltJ:TEO,..-: S-STREETROO T~ REc:t].IEREDTHEFlVEHlCLE V-VEItlCLECOiflMNSREISSUEO~ W -fLOOO VERlCLE .. ):~ FORt.4EJllY A v.'A/ fAVOflOF; SEi=OND UEN FNJOR OF " GRA BANK.PGH AlJTl-l~~D '!~~,':.SENTATIVE. SECoNDUENRE~D ~_.;o.~~"~~'~'ll.:"-~~..l.l--:.~TE ~ ''-:.,. ." , I llesecooeloen/1ol(jerISIISle<lupOrlsalisfaclionofthefirstlien,lhe!ifflt liellhi:llder ITIUSl forwan:l thIS Tille 10 the Bure.auol Motor vehicles with the- appro;lriale lorm allC lee. ;t,; .- . .~..,... .."~..,,.'" J, .' RELEASEp DATE BY BY A:JTtlO/t;ZEO REPRESENTATIVE INTEGRA BANK PGH P 0 BDX 11#01l FRANKLIN PA 16323 I certify .as 01 the dale of issue. lhe official teeon:ls of the Pennsylvania Department 01 Traosportalianll:lfled thai the persan(sl Of company named herelois lhe lawful owner ollhesaklvehicla BRADLEVL '>;)11 . . '. ".' . " "~" . . . ~ >,' .... " ' . '. . . . . , . '. " . .' , ~. " .:' .' '. I=AI'R ~~~i~OLLEC~9~ P~dl~E~'.A~T~:~.DAYN.O~IC~"",.' ....~.:.~..:.,.~......,... . ...::;....,.-... ',',' ~....~r-...--,:~.:......:,.....~..,..:......:,.-:-('~.~.~......',:.' "-':::':'';'. .... ...... ..:....:.. . . . ,: . '. BY.la;W, thjs law firmi~' requ'ired toadyise ycin th~t unless"i,vithin30 days alter rec~ipt of '.-, .: . :.~ :: .': : ....... ,'''. .. ....' ...:. ":'. :; ',' -".~.' "'-"" ":" : ~..~:. ": :' '. .. <., . .' ..! :'~ '.,: . ;.. " .... :. ~" ":; '.:' . .!:: . ~". ." '" ...~'~'. ~ .:' ". . . ,this' notice you' dispute \he validity of this debt or any p'ortion thereof, the debfwiilb~assumed ....,>.':.......~:......,..::....~:.,.....:;:. '.'~"'.: .";_:'l'::,>>.'::~' :~"."'.'~~:.<~ ':.;<~...:' '~';'-':"'~'~:"'"':''::''::'>'~':''''' .... :/". ,.,' :>:.to l:\e, vali? byirs..Ifsaid r)Otlficcit}iJ.nJs 'sent to liS ;"nw.ripryg,. we 'are.reiquIred.to'p.r~vi,de'yoU ~jth' . , ,... .' '. '.' .... ': ,: . ,".: ...;.' '.:.' !.., .:. . ;. :', :':. : :'..; '. .,'. . " ',',' . ""'. :: .... . .. :. '....:..,..:. ;' '.' .J. .'~ . ' ..' Verification of the de~t:. in the ey~tn(with\na 30~di3.y p!'iriod you'niquest in writing.the' n'ame of .' '..:'- " ..:..<~..;:' .:.-...:,..'. ,::' . . ::,,::.';~> ".<::..': ":";"~ ,'~:',' .:'.:.:..,'....~.:;,.:.. ~'~~.:<.: : '.~':";' :~..:'....J',:... ::. ....~.< :<~:.': . ,'., : ..the .~rig)n.a1.creditor) will)e provided to you' if differenffrom .the CUrrent" cr~cli~o.r., .In.t~e :event. ." : " ':. : ':. '. >,"':'~" "':"'~:':"'..'. .;...':. .,"..;. ;........ .,....: .~..~.-. ....:.:..~..:.:..:-,.:..,....:;:.....:~...~... .'., th'~~ you disput.~the debt ~hdicir reque.st ),t)e' name, of .th'e 'origin?' cr(ld}ts>r (nwriting withi.nthe ~. ~:-~:~...:.' ..... '...... . .~.~..-:: '::::.:. . ..' ".:'.::' ....':. ~'.:':'":.. . :'.~ '.':'.:: ~".'~"~":'\:-: ....~.::.:..:::....~.:. ~. ,. . 30:day 'period; no fu'rther action wiil be tak.en. to ~b,t~~h ,~'Jugg.mi:mt inoth~ pendiqg Jaw~ult. ~':1til . . ": ~. "'. '. .' . - . ....: '. ..... .:.' :, . . . ..: . :'".., . '... . - .. - .: : ..'. .... ~ . , :: the verificatIon' and/or nam~ of the':o'riginal creditor has been.provided to you;'. '. " '.. .,., ,'" - , ' '. . '..' .;.:' . :. . '.'.. :.. -,;:.,. ...\;-...:"'-~. : . :. ..~' .:- ..~ '-:~~'.::" ....:... -.' '.j . .~,. '. ,: . " , ,.-.....: . ~ , .. " .. ~ . ,.' . . -' .' .,:. .:: :'" This' laY" tirrr{is' attefDptil;9 t~ c~lIec.tthis debt for', our c1i$I;1t an(any i~TorrTI.':rti6~' 9btainec!. . .:. . '''::'. ,"-:' '.' .'.......'. '"... .:,;"::' : ':"" ".;" :',,~. ..,....:.". . ' ..:.:.......:,.:..~ ......... ". :win be'used'fo[that purpose~'. . . '. ~ ,:'~'.' .' . ';'" ,.: . . ~.:. '" ".-",';. ',.' .' " '. , " ' '. ." ... .,.. "~' '. .:: ." . - .- The aboveN6tice is beini;fgiVen' pursuant to the i=ai/DebtColiectio~Prictjc;;;S'Actandis ~eparat~: a~~ di~tinct f;om~h~ fOregO;~g~o'm;lain~ 'W~iCh : m'u~tb~" res~o~d;ed t~ :i~: ;;onf~r~i~ . .:. ~. . : -. . .... .. . .. '~ . ". .' .. '.' .. with' the instructions th.erein. Because;of'the difference. ill tim~ parameters, wewill hot move for. " .: :..' ." ..., '. .", "Qefauit Judgment f~r at lea~t thirty .(30) days from the' date of service 'of this Complain(upon . ": ..: .' . ..' '..' . ~ .";' ". . -. '. '.~ .~, '..::,'. .' : .:', '. '.: . . <.'.:: ..... -'. . you, and if you request verification, we will not move for Default JjJdgmenCuntil."a reasonable. .' .... . , . time after veiificatio~ has been provided, and after:the expi~~ti~n ~fth'e'thi~tY (30) ~ay p'eri~d . , from' the date'of service. .' ~ "., ". " . " : ',' . .:~ . ". . EXHIBIT "3-;;- ., .. ,____1 - .. ./ . o (qlt.j7~.9 VERIFICATION - The undersigned does hereby verify subject to the penalties of 18 PA.C.S. i 4904 ~ relating ~o unsworn falslficatio.h to a,uthorities~ that he/she is . =r;:::.:r~GR;;,h;:;~ -----o Q .... fJt' ~\ .. Q' (Name) . .. {fJ\'\'<oI'IW\l!A- PnM \6~ . ~).,('.u. of .n.:Au:moC -t-A.... . Plaintiff . .. . (Title). . . . (Company) \ herein, that he/she is duly authorized to"make this Verification, and that the facts set forth in.the , ~ foregoing Complaint are true and correct to the best of his/her' knowledge, information and ,./",qeIIet..c. :, .::,: ,.,. ... ".: -- '-~_:-"".'..,'-,- __ .. ...:.0:..;.' _ p. ...~'";;;!'~~~:.;~? \--~:-'~:-;7.~;:'~' ;-;"-:' -=-:-.-:','..- .~'-'~--.' ..-:": ,. '~- .. " , .. .. . , :.:-.~ '" '.-. ._.~_.;.:-:.:._"t:.:.-;-i:"':.:':": " --, ...., -- ,-- ",.. ;;t ')rf.... (JAI,! (//:. t1-4't ;;l..ovll. .A~ 1v ~/j . . GEORGE W, HEGER. JR., NOlary Public Residence. CUyshoga County Stale Wide Jurisdiction, Ohio My Commission Expires "'ug, 19.2003 "l1[t--'~. .,.., ~~~,'tii~g ",;~~~'"'''''.''' ~~,_',.l.~" Ml~ _1IiiillI\II!iIl~~I~ _1', ~ mill T- ~M c. A.l (0 1; ~ I'll ..t ft- ,&) ~ () "' [, " C3 . , /8 ......... 8 V) 0 c::) C (:;) ...() ..c ~ <~ -, ~Fr; ''''1 {"- ~ I ...~<. zoo, '":;. ~ ZF'C~ -, '" r ~ C0;;>' ---,"Ti ~ ---c;" ..~ (..-':' _. '.; l,.~) c:: CJ (-:.?r,:J i- ~Q --.,) "I', ~ --0 .._", g~ >c c0 2:: ----:.., ::<! :'-.) 55 (TI -< .,-0>,", " ., , - SHERIFF'S RETURN - REGULAR CASE NO: 2000-03636 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND NATIONAL CITY BANK VS LIEBRUM LARRY L JR DAWN L. KELL , Sheriff or Deputy Sheriff of Cumberland County, Pensylvania, who being duly sworn according to law, says, the within COMPLAINT - REPLEVIN was served upon LIEBRUM LARRY L JR the DEFENDANT , at 1129:00 HOURS, on the 30th day of June , 2000 at 36 BETTY NELSON COURT LOT 112 CARLISLE, PA 17013 by handing to LARRY L. LIEBRUM JR. a true and attested copy of COMPLAINT - REPLEVIN together with NOTICE and at the same time directing His attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 3.72 .00 10.00 .00 31.72 So An;;~~ R. Thomas Kline 07/03/2000 WELTMAN WEINBERG & REIS Sworn and Subscribed to before tz:," me this 1 ~ day of (),4. 7 I 2uvV A.D. QX'~c. 7JMltJ;. ~,,~~ othonotary By: CWClIlY'{\ i. 'L ~L Deputy Sheriff ,'.,.., ".,'''< , ",,,-,,,'. '~I.M"~"';' , ',,~~;," "",,<o,"~~_1,L';-,'l.';"-'"r."'.,-J.". ','"~ "". NATIONAL CITY BANK, SUCCESSOR IN INTEREST TO INTEGRA BANK! PITTSBURGH, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION No, 00-3636 Civil Term vs. LARRY L. LIEBRUM, JR., Defendant COMPLAINT IN REPLEVIN ANSWER TO COMPLAINT IN REPLEVIN I. Defendant is without sufficient information to admit or deny this paragraph at this time, 2, Admitted. 3, Admitted, 4. Admitted. s. Admitted. 6. Admitted, 7. Admitted. 8, Admitted, 9, Denied and strict proof of the same will be demanded at trial. 10. Denied and strict proof of the same will be demanded at trial. 11. Denied and strict proof of the same will be demanded at trial. 12. Admitted. 13. Denied and strict proof ofthe same will be demanded at trial. 14. Defendant is without sufficient information to determine the validity ofthis , .~ '", 'c~ ,~ ,C.__>,".' "';'.L'."" " _ _',: _' ;"; ; ~ ,__" ~ ~"',' 'n";:}"'" ", , iL; paragraph and allegation at this time. 15. Denied and strict proof of the same will be demanded at trial. 16. Denied and strict proof ofthe same will be demanded at trial. Furthermore, this paragraph is a conclusion oflaw and requires no answer. WHEREFORE, Defendant prays judgment be entered against the Plaintiff, and for the Defendant. 17. The previous answers are incorporation herein by reference, 18. Denied and strict proof of the same will be demanded at trial. 19. Conclusion oflaw and requires no answer. By way of further answer, strict proof ofthe same is demanded at trial. 20, Denied, insomuch as Defendant is unable to ascertain if Plaintiff has any attorney fees at all and strict proof of the same will be demanded at trial, 21. Admitted, insomuch as Exhibit "3" was attached to this Complaint. It is denied that Exhibit "3" is sufficient under the Fair Debt Collection Practices Act. WHEREFORE, Defendant prays for entry of judgment in his favor and against the Plaintiff. Respectfully submitted, - Dated~/__ (1 2 ~ 2 c~~ /~------ Karl E. Rominger, Esquire 155 South Hanover Street Carlisle, PA 17013 (717) 241-6070 Supreme Court ill # 81924 Attorney for Defendant ~""~._,=~' >'>>~".'..",,,-,',..,,__."_',,",," ""~"""~'J'"-""'~""~,... j~! NATIONAL CITY BANK, SUCCESSOR IN INTEREST TO INTEGRA BANK! PITTSBURGH, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CI~ DMSION No. 00-3636 Civil Term vs. LARRYL. LIEBRUM, JR., Defendant COMPLAINT IN REPLEVIN VERIFICATION I verifY that I am the Defendant and that the statements made in the foregoing Answer to Complaint in Replevin are true and correct I understand that false statements herein are made subject to the penalties of 18 Pa. C. S. ~ 4904, relating to unsworn falsification to authorities. Date: [- ,1{".., - (x") ,,'.,' ,," '"",10",0, '""'" "M',,-' ....~ i:L . . NATIONAL CITY BANK, SUCCESSOR IN INTEREST TO INTEGRA BANK! PITTSBURGH, Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DMSION No. 00-3636 Civil Term vs. LARRYL. LIEBRUM, JR, Defendant COMPLAINT IN REPLEVIN CERTIFICATE OF SERVICE I, Karl E. Rominger, Esquire, attorney for Larry L. Liebrum, Ir., do hereby certifY that I this day served a copy of the Answer to Complaint in Replevin upon the following by depositing same in the United States mail, first class mail, postage prepaid, at Carlisle, Pennsylvania, addressed as follows: Lori A. Gibson, Esquire Weltman, Weinberg & Reis Co., L.P.A. 2601 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Date: ~/ ... ----- Karl E. Rominger, Esquire Attorney for Pff4.</~ Dated: ;I' ~ - .. 'It .. " 1 :iiill,', IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL V ANTA CIVIL DNISION NATIONAL CITY BANK, SUCCESSOR IN INTEREST TO INTEGRA BANK/PITTSBURGH, Plaintiff vs. LARRY 1. LIEBRUM, JR., Defendant No. 00-3636 CNIL TERM PRAECIPE TO SETTLE, DISCONTINUE AND END WITHOUT PREJUDICE FILED ON BEHALF OF Plaintiff, National City Bank COUNSEL OF RECORD OF THIS PARTY: SHERRY D. LOWE, ESQU1RE PAID #66096 Weltman, Weinberg & Reis, Co., LPA 2718 Koppers Building 436 Seventh Avenue Pittsburgh, P A 15219 (412) 434-7955 WWR#019 14729 i~~ - '~~..... ' 11~' ., '"' - \- IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYL VANIA CIVIL DNISION NATIONAL CITY BANK, SUCCESSOR IN INTEREST TO INTEGRA BANK/PITTSBURGH, Plaintiff vs. Civil Action No. 00-3636 CIVIL TERM LARRY L. LIEBRUM, JR., Defendant PRAECIPE TO SETTLE DISCONTINUE AND END WITHOUT PREJUDICE TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Kindly, Settle Discontinue and End Without Prejudice the above captioned matter upon the records of the Court and mark the costs paid. WELTMAN, WEINBERG & REIS CO., L.P.A. By: ~ __ SHERRY. , ESQUIRE P A ill #66096 Weltman, Weinberg & Reis, Co., LPA 2718 Koppers Building 436 Seventh Avenue Pittsburgh,PA 15219 (412) 434-7955 WWR #01914729 Nr;t<:lriai Seal ---, OlIFl~ I. Our.,: '. ,1,{':~: Notary Public P;H~l;, c,':',)qht)nv County 1vl'~ CQf;':l'i:,,:" .," ," ':);1,'es',A,pril9, 2001 Miitl~ijr, PitlnSyiVaiiiii Association of Notaries ~~hi!llilJl!:l~.,~::tIJ~lii1t1$if~~g~,,"I~~~"'!'<f'W--~ - ., "'......... ""~' , o c:: ~:z::,:, u~~::~ S?~T &~j::'- -< ,-' :s: ~~ ==1 0.< _....;;..,~ ~ . 'Ill..; I 4' .... f' "'" "----/ (h 2: ~,,'"' C:J c, ~