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LAW OFFICES OF
~E LAFAVER & SHEKLETSKI
414 BRIDGE STREET Z 143 b 1 5 142
POST OFFICE BOX E
:W CUMBERLAND. PA, 17070
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STONE LAFAVER & SHEKLETSKI
ATTORNEYS AT L.AW
CHARLES H. STONE
DAVID H, STONE
GERALD J. SHEKLETSKI
EUZABETH B. STONE
414 DRIDGE STREET
POST OFFICE BOX E
Nr.w CtJHJU~IU.MolU. P^ 17070
JON F. LAFAVER
OF COUNSEL
TEI.EPHONE C717J 774.7435
FACSIMILE (717) 774.30158
August 16, 1999
Mr. Robert E. Huggler
326A 6th Street
New Cumberland, PA 17070
RE: Kimberly A. Huggler va.
Robert E. Huggler
No. 97-3757 Civil Term
Dear Mr. Huggler:
I enclose a certified copy of an Amended Divorce Complaint
filed on behalf of your wife in the Court of Common Pleas of
Cumberland County, Pennsylvania. Also enclosed is a Counter-
Affidavit Under ~330l(d) of the Divorce Code to be filed by you
within 20 days of the service of this Amended Divorce Complaint
if you wish to deny any of the statements set forth in the
afidavit.
Please contact me or have your attorney contact me to
discuss this matter.
Very truly yours,
/'
STONE LaFAVER ~/SHEKLETSKI
//
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EBS/krl
Enclosures
CERTIFIED MAIL NO. Z 143 615 142
RETURN RECEIPT REQUESTED
cc: Kimberly A. Huggler
(b) I wish to claim economic relief which may include
alimony, division of property, lawyer's fees or expenses or other
important rights.
I understand that in addition to checking (b) above, I must also
file all of my economic claims with the prothonotary in writing and
serve them on the other party. If I fail to do so before the date set
forth on the Notice of Intention to Request Divorce Decree, the
divorce decree may be entered without further delay.
I verify that the statements made in this counter-affidavit 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 ROBERT E. HUGGLER, Defendant
NOTICE: IF YOU DO NOT WISH TO OPPOSE THE ENTRY OF A DIVORCE
DECREE AND YOU DO NOT WISH TO MAKE ANY CLAIM FOR ECONOMIC RELIEF, YOU
SHOULD NOT FILE THIS COUNTER-AFFIDAVIT.
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incorpomtcd herein by reference.
9. Plaintiff fniled to serve on Dcfcndnnt nny Answers to Interrogntories or
Responses to Request for Production by Fridny. February 13.2004, the last day allowed
by said Order.
10. On Mondny. February 16. 2004,Plaintiff's counsel called Defendnnt's
counsel and assured him that responses and answers would be filed Inter tlmt week.
II. On Thursday, February 19, 2004 Plaintiff's counsel brought to Defendant's
counsel's office a pile or assortment of documents nnd Defendant's Answers to
Interrogatories.
12. Unfortunately, many of the Interrogatories were unanswered and other
Interrogatories received pnrtially scribbled answers. The nnswers nre not signed by
Plaintiff's counsel and they arc undated. Bya cover letter Plaintiffs attorney admits that
some answers nre incomplete nnd tlmtthere nre unprovided documents. A copy of
Plaintiff's alleged Answers to Interrogntories and the cover leller arc attached hereto,
mnrked Exhibit "3" and incorpomted herein by reference.
WHEREFORE, ROBERT E. HUGGLER, Defendnnt, respectfully requests this
Honomble Court to enter nn Order authorized by Pennsylvania Rule of Civil Procedure
No. 4019, including but not limited to, listing the case for final disposition by the Master.
precluding Plaintiff from presenting evidence ntthe Mnster's Hearing, awarding
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@. complete one Form "E" attached for each banking
account (checking, passbook, NOW, statement savings, certificate
of deposit, savings certificate, etc.) in which you now have or,
since september 9, 1997 have had, any interest, ownership or
power of withdrawal whatsoever, whether individual, joint, as
custodian or trustee for others, or as the beneficiary of an
account held by another as custodial or trustee. Note: IRA's,
Keough's or other bank retirement plans need not be mentioned
here, see question 19.
Enter here the number of Form "E's" attached
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of :L~7
state the name, business address and telephone number
.
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(a) your present accountant and any accountant who has
performed accounting services for you since september
9, 1997.
~~. your stockbroker or any securities brokerage firm
~ with whom you presentlY maintain an account or
with whom you have maintained any account since
September 9, 1997.
Complete Form "F" for any and all bonds, stocks, other
securities, mutual funds, and money market funds in which you noW
have or, since September 9, 1997 have had any interest whatsoever
whether individual, joint, as custodian or trustee for others or
as the beneficiary of an account held by another as custodian or
trustee. Include securities even if interest or dividends
thereon are exempt from taxation.
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v.
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
: NO. 97 - 3r75~1
KIMBERLY A. HUGGLER,
Plaintiff
.
.
ROBERT E. HUGGLER,
Defendant
: CIVIL ACTION - LAW
IN DIVORCE
NOTICE TO DEFEND AND OJ ,A 1M RIGHTS
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take prompt action.
You are warned that if you fail to do so, the case may proceed without
you and a Decree of Divorce or annulment may be entered against you by
the Court. A judgment may also be entered against you for any other
claim or relief requested in these papers by the plaintiff. You may
lose money or property or other rights important to you, including
custody or visitation of your children.
When the ground for the divorce is indignities or irretrievable
breakdown of the marriage, you may request marriage counseling. A
list of marriage counselors is available in the Office of the
Prothonotary at the Cumberland County Courthouse, Carlisle, PA 17013.
IN YOU DO NOT FILE A CLAIM FOR ALIMONY, DIVISION OF PROPERTY,
LAWYER'S FEES OR EXPENSES BEFORE A DIVORCE OR ANNULMENT IS
GRANTED, YOU MAY LOSE THE RIGHT TO CLAIM ANY OF THEM.
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
Fourth Floor
Cumberland Countv Courthouse
Carlisle. PA 17013
Telephone: (717\ 240-6200
fl\div\huggler.ccm\7-'7
v.
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. q 'J - 037 )"} (~,;il ,&..,
CIVIL ACTION LAW
IN DIVORCE
KIMBERLY A. HUGGLER,
Plaintiff
ROBERT E. HUGGLER,
Defendant
COMPLAINT
1. The Plaintiff in this action is KIMBERLY A. HUGGLER, an adult
individual, who currently resides at 610 Bridge Street, Apt. #2, New
Cumberland, Cumberland County, Pennsylvania, 17070.
2. The Defendant in this action is ROBERT E. HUGGLER, an adult
individual, who currently resides at 610 Bridge Street, Rear apt., New
Cumberland, Cumberland County, Pennsylvania, 17070.
3. The Plaintiff and the Defendant have been bona fide residents
of the Commonwealth of Pennsylvania for at least six (6) months
immediately previous to the filing of this complaint.
4. The Plaintiff and Defendant were lawfully joined in marriage
on August 23, 1979, at Camp Hill Alliance Church, East Pennsboro
Township, Cumberland County, Pennsylvania.
5. There have been no prior actions of divorce or for annulment
between the parties hereto in this or any other jurisdiction.
6. The Plaintiff avers as the grounds upon which this action is
based is that the marriage between the parties hereto is irretrievably
broken.
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KIMBERLY A. HUGGLER, . IN THE COURT OF COMMON PLEAS OF
.
Plaintiff . CUMBERLAND COUNTY, PENNSYLVANIA
.
.
.
v. . NO. 97-3757 CIVIL TERM
.
.
.
ROBERT E. HUGGLER, :
Defendant . CIVIL ACTION - IN DIVORCE
.
AFFIDAVIT OF SERVICE
COMMONWEALTH OF PENNSYLVANIA)
) ss.
COUNTY OF CUMBERLAND )
I, ELIZABETH B. STONE, of Stone LaFaver & Stone, attorneys for
the plaintiff hereby certify that I served the Complaint in Divorce in
the above captioned matter on the defendant, Robert E. Huggler, at 610
Bridge Street, Rear Apt., New Cumberland, PA 17070, by United States
Certified Mail, postage prepaid, restricted delivery on July 17, 1997,
as evidenced by the attached Certified Mail return receipts.
, ESQUIRE
SWORN TO AND SUBSCRIBED
before j this /U:oJ day
of j'~, 1997.
~rt )(.' >f:.-u IUd
Not publ:ic
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KIMBERLY A. HUGGLER, . IN THE COURT OF COMMON PLEAS OF
.
Plaintiff . CUMBERLAND COUNTY, PENNSYLVANIA
.
.
.
v. . NO.
.
:
ROBERT E. HUGGLER, . CIVIL ACTION LAW
.
Defendant . IN DIVORCE
.
COMPLAINT
1. The plaintiff in this action is KIMBERLY A. HUGGLER, an adult
individual, who currently resides at 610 Bridge Street, Apt. #2, New
Cumberland, Cumberland County, pennsylvania, 17070.
2. The Defendant in this action is ROBERT E. HUGGLER, an adult
individual, who currently resides at 610 Bridge Street, Rear apt., New
Cumberland, Cumberland County, pennsylvania, 17070.
3. The Plaintiff and the Defendant have been bona fide residents
of the Commonwealth of pennsylvania for at least six (6) months
immediately previous to the filing of this complaint.
4. The plaintiff and Defendant were lawfully joined in marriage
on August 23, 1979, at Camp Hill Alliance Church, East pennsboro
Township, Cumberland County, Pennsylvania.
S. There have been no prior actions of divorce or for annulment
between the parties hereto in this or any other jurisdiction.
6. The plaintiff avers as the grounds upon which this action is
based is that the marriage between the parties hereto is irretrievably
broken.
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ATTORNEYS AT LAW
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N"W""'IIIBRI.AI I. I'A 17U7U ''..''1 'JUL 1 4 1~97
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KIMBERLY A. HUGGLER, : IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
.
. 97. 3'7 \' 7 C<'l:':'( -
v. . NO. ;,1-
.
.
.
ROBERT E. HUGGLER, . CIVIL ACTION LAW
.
Defendant . IN DIVORCE
.
PETITION FOR RESTRAINING ORDER
AND
PETITION FOR EXCLUSIVE POSSESSION OF THE MARITAL RESIDENCE
And now comes the Petitioner/Plaintiff, by and through her
attorney, Elizabeth B. stone, and files the following petition for
special relief averring as follows:
1. The Petitioner/Plaintiff in this action is KIMBERLY A.
HUGGLER, an adult individual, who currently resides at 610 Bridge
street, Apt. #2, New Cumberland, Cumberland County, Pennsylvania,
17070.
2. The Defendant in this action is ROBERT E. HUGGLER, an adult
individual, who currently resides at 610 Bridge Street, Rear Apt., New
Cumberland, Cumberland County, Pennsylvania, 17070.
3. Concurrently herewith, the Petitioner has filed a divorce
action against the Defendant.
4. Plaintiff and Defendant jointly own real estate situate at
610 Bridge Street, New Cumberland, Cumberland County, Pennsylvania,
17070. This property is a three-unit rental property. Plaintiff and
-1-
Defendant have lived in unit #2 with their two children, ages 12 and
17, for the last several years, while renting and collecting the
income from the other two apartments.
S. On or about May 5, 1997, Defendant moved out of Apt. #2, the
marital residence, evicted the rear apartment tenant, and moved into
the rear apartment on the marital residence property.
6. A support conference was held before a Domestic Relations
Officer on June 12, 1997, at which time spousal and child support were
awarded to the petitioner, who has always been a housewife, in the
amount of $131.00 every week to be paid directly by the Defendant, who
is self-employed, to the Plaintiff.
7. On or about July 9, 1997, Plaintiff arrived home after lunch
to discover that Defendant was moving back into Apt. #2 against
Plaintiff's wishes.
8. Prior to the parties separation on May 5, 1997, the Defendant
hit, threatened and harassed Plaintiff numerous times wherein the New
Cumberland Police Department were called several times to attend to
the domestic disputes.
9. The New Cumberland Borough Police were summoned twice to the
residence on July 9, 1997. There is currently no active PFA in place.
10. Plaintiff now fears for both her children's and her physical
and mental health and safety if the Defendant is permitted to remain
in the marital residence.
-2-
11. Defendant has made ~t quite clear to Plaintiff that he
refuses to allow her to seek both employment and a trade school
probably knowing that this would facilitate her departure from him.
12. Defendant has continually undermined Plaintiff's parental
authority to the point where the eldest son is already becoming a
behavior problem.
13. Defendant has become so religiously preoccupied that he has
begun citing scripture and book every time the Plaintiff attempts to
deviate from Defendant's expectations of Plaintiff's "housewife
duties" .
14. Plaintiff is concerned that Defendant's religious preoccupa-
tion is now endangering both herself and her children.
IS. Defendant refuses to let Plaintiff leave the house without
first exhaustive and irrational questioning of her intentions.
WHEREFORE, Petitioner prays your Honorable Court to issue an
order requiring the Defendant:
A. To be temporarily restrained from entering the marital
home without the permission of the petitioner;
B. Order that the Plaintiff is to have exclusive possession
of the marital residence pending the outcome of the divorce and
marital distribution of property;
C. Order that Defendant is to remove any and all personal
possessions from the marital residence located at 610 Bridge Street,
New CUmberland, PA 17070, immediately; and
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11\div\huggl.r.p.t\1-91
KIMBERLY A. HUGGLER, . IN THE COURT OF COMMON PLEAS OF
.
Plaintiff . CUMBERLAND COUNTY, PENNSYLVANIA
.
.
.
v. : NO. 97-3757 CIVIL TERM
.
.
ROBERT E. HUGGLER, . CIVIL ACTION LAW
.
Defendant : IN DIVORCE
RULE TO MAKE ABSOLUTE
ON PLAINTIFF'S
PETITION FOR RESTRAINING ORDER
AND
PETITION FOR EXCLUSIVE POSSESSION OF THE MARITAL RESIDENCE
And now comes the Petitioner/Plaintiff, by and through her
attorney, Elizabeth B. Stone, and files the following RULE TO MAKE
ABSOLUTE averring as follows:
1. The Petitioner/Plaintiff in this action is KIMBERLY A.
HUGGLER, an adult individual, who currently resides at 610 Bridge
street, Apt. #2, New Cumberland, Cumberland County, Pennsylvania,
17070.
2. The Defendant in this action is ROBERT E. HUGGLER, an adult
individual, who currently resides at 610 Bridge Street, Rear Apt., New
Cumberland, Cumberland County, Pennsylvania, l7070.
3. Plaintiff filed a Petition for Restraining Order and Petition
for Exclusive Possession of the Marital Residence on July 11, 1997.
4. This Court signed an Order dated July 14, 1997, and issued a
Rule to Show Cause upon the Defendant why the Relief requested should
not be granted. The Rule was returnable fifteen (IS) days from date
of service.
-1-
11\div\1~11.rv..ll
KIMBERLY A. HUGGLER,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
v.
: NO. 97-3757
CIVIL TERM
ROBERT E. HUGGLER,
Defendant
.
.
CIVIL ACTION - IN DIVORCE
AFFIDAVIT OF SERVICE
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COMMONWEALTH OF PENNSYLVANIA)
) SSe
COUNTY OF CUMBERLAND )
I, ELIZABETH B. STONE, of Stone LaFaver & Stone, attorneys for
the plaintiff hereby certify that I served the Petition for Restrain-
ing Order and Petition for Exclusive Possession of the Marital
Residence together with a Rule to Show Cause dated July 14, 1997, in
the above captioned matter on the defendant, ~obert E. Huggler, at 610
Bridge Gtreet, #2, New Cumberland, PA 17070, by United States
Certified Mail, postage prepaid, restricted delivery on August IS,
1997, as evidenced by the attached Certified Mail return receipts.
"
,,.'.
. ..--....- .....
SWORN TO AND SUBSCRIBED
befohe me this L!l:!!:.. day ....
of uJu~ , 1991.'
./ ...
EL!ZABETB~B. STO~E, Attorn7y at Law
C-_..
~~.X;""~
Not Public
tlOTllhl';L ~.:AL
KAYE n. LUC~EY. Nowy r""lI~
...., Cumccrllad O~fO. Cumbo,laml Co.
/ CommIssion E.,,:~:~-!s !,hlr;h 27. :mo t
---
KIMBERLY ANN HUGGLEI{,
l'lalntiff
: IN TIlE COURT OF COMMON PLEAS
: OF CUMBERLAND COUNTY,
: PENNSYLVANIA
v.
: NO, 97-3757
ROBERT E. HUGGLEI{,
Defendant
: IN DIVORCE
DEFENDANT'S MOTION FOR SANCTIONS AGAINST
PLAINTIFF FOR PLAINTIFF'S FAILURE TO
ANSWER DEFENDANT'S INTERROGATORIES AND
RESPOND TO DEFENDANT'S
REOUEST FOR PRODUCTION OF DOCUMENTS
I. On August 22, 2002 Defendant served Interrogatories and Request for
Production of Documents pursuant to the applicable Pennsylvania Rules of Civil
Procedure upon Gary L. Ke\1ey, Esquire, counsel for PlaintilTKIMBERL Y ANN
HUGGLER.
2. Under the Pennsylvania Rules of Civil Procedure the PlaintilTwas required to
file her responses to the Request for Production of Documents and verified answers to the
Interrogatories within thirty (30) days of service.
3. On October 31, 2002 Defendanl filed a Motion for Appointment of a Master.
4. Allhough the Master has been appoinled, lhe Masler refuses to take any
further steps because discovery is nol complete.
5, On or aboul February 6, 2003 Defendant field a Motion to Compel Discovery
and a hcaring wus hcld on Murch 20, 2003 lit which timc Dcfcndunt's MOlion to Compel
wus grantcd as pcr thc Ordcr of Ihe Honorablc Kcvin A. Hess, u copy of which is
anached hercto, marked Exhibit "I" und incorponltcd herein by refcrencc.
6. PluintifTwus givennincty (90) days, or until June I x, 2003..." to rcspond to
outstunding discovery."
7. As of the date of filing of this Motion for Sanctions pursuant Pennsylvania
Rule of Civil Procedurc No. 4019, PlaintitThas not filed any answer or rcsponses to
discovcry requcsts.
8. PlaintifThas fuiled to comply with thc said March 20, 2003 Ordcr to the
prcjudice and detriment of the Defendant, causing Defendant 10 incur additional
expenscs, causing further delay of these proceedings and rcsulting in an abuse of the time
and resources of this Court.
WHEREFORE, ROBERT E. HUGGLER, Defendant, respectfully requests this
Honorable Court to enter an Order authorized by Pcnnsylvania Rule of Civil Procedure
No. 4019. including but not limited to immediutcly listing the cusc tor final disposition by
the Master, precluding Plaintiff from presenting evidencc at the Master's Hcaring, award
~.
POST-MARITAL SETTLEMENT AGREEMENT
THIS AGREEMENT, made this:; !.{ day of June, 2004 by and between
KIMBERLY A, HUGGLER of 61 0 Bridge Street, New Cumberland, Pennsylvania
(hereinafter referred to as ("Kimberly"), and ROBERT E. HUGGLER of 223
South Third Street, Lemoyne, Pennsylvania(hereinafter referred to as "Robert");
WITNESSETH:
WHEREAS, Kimberly and Robert were lawfully married on August 23,
1979 and divorced on November 29, 1999;
WHEREAS, diverse and unhappy differences, disputes and difficulties have
arisen between the parties and it is the intention of Kimberly and Robert to live
separate and apart for the rest of their natural lives, and the parties hereto are
desirous of settling fully and finally their respcctive financial and property rights
and obligations as between each other, including, witholltlimitation by
specification: the settling of all matters between them relating to the ownership and
equitable distribution of real and personal property; settling of all matters between
them relating to the past, present and future support, alimony and/or maintenance
of Kimberly by Robert or of Robert by Kimberly; and in general, the settling of
any and all claims and possible claims by one against the other 01' against their
respective estate,
NOW THEREFORE, in consideration of the premises and of the mutual
promises, covenants and undertakings hereinafter set forth and for other good and
valuable consideration, receipt of which is hereby acknowledged by each of the
parties hereto, Robert and Kimberly, cach intending to be legally bound, hereby
covenant and agree as follows:
I. DATE OF EXECUTION:
The "date of execution" or "execution date" of this Agreement shall be
defined as the date upon which it is executed by the parties if they have each
executed the Agreement on the same date. Otherwise the "date of execution" or
"execution date" of this Agreement shall be defined as the date of execution by the
party last executing this Agreemcnt.
2, DISTRIBUTION DATE:
The transfer of property, funds and/or documcnts provided for herein shall
only take place on the "distribution date" which shall be defined as the date of
execution of this Agreement unless otherwise specified herein,
2
have against the other, upon or by reason of any maller, cause or thing up to datc of
thc execution of this Agrccment, except any or all cause or causes of action for
divorce and except any and all causes of action for breach of any provision of this
Agrecmcnt.
6, DIVISION OF PERSONAL PROPERTY:
The parties have heretofore divided their personal property to their mutual
satisfaction. Henceforth, each ofthc parties shall own, have and enjoy,
independently of any claim of right of the other party, all items of personal
property of every kind, nature and description and wheresoever situated, which are
now owned or held by or which may hereafter belong to Robert or Kimberly
respectively, with full power to the Robert or the Kimberly to dispose of same as
fully and effectually, in all respects and for all purposes as ifhe or she were
unmarried.
7. DIVISION OF REAL ESTATE
Robert shall convey to Kimberly all of his right, title and interest in 610
Bridge Street, New Cumberland, Cumberland County, Pennsylvania in exchange
for Forty Thousand and 00/100 ($40.000.00) Dollars in cash at the time of the
delivery of the deed,
4
with Robert if it becomes necessary to execute releases, waivers or other
documents necessary to implement this paragraph,
11. COUNSEL FEES:
Each party shaH be responsible for his or her own legal fees,
12. ADVISE OF COUNSEL:
The provisions of this Agrcement and their legal effect have been fully
explained to the parties by their respcctive counsel, Gary L, Kelly, Esquire,
counsel for the Kimberly and Gregory R. Rced, Esquire, counsel for the Robert.
The parties acknowledge that they havc received independent legal advice from
counsel of their selection and that they fully undcrstand the filcts and have been
fully informed as to their legal rights and obligations and they acknowledge nnd
nccept that this Agreement is, in the circumstances, fair and equitable and that it is
being entered into freely and voluntarily, after having recdved such advicc and
with such knowledge and that execution of this Agrecment is notthc result ofnny
duress or undue influencc and that it is not the rcsult of any collusion or improper
or illegal agreement or agreemcnts.
6
of any jurisdiction, to share in the property or the state of the other as a result of the
marital relationship, including, without limitation, dower, courtesy, statutory
allowance, widow's allowance, right to take in intestacy, right to take against the
will of the other, and right to act as administrator or executor of the other's estate,
and each will, at the request of the other, execute, acknowledge and deliver any
and all instruments which may be necessary or available to carry into effect this
mutual waiver and relinquishment of all such interests, rights and claims,
19. SUCCESSOR AND ASSIGNS:
This Agreement shall be binding on and inure to the benefit of the respective
legatees, devises, heirs, executors, administrators, successors and assigns in
interest of the parties and be forever binding and conclusive upon the parties.
20, BREACH:
If either party breaches any provision of this Agreement, the other party
shall have the right, at his or her election, to sue for damages for such breach or
seek such other remedies or relief as may be available to him or her, and the party
breaching this contract shall be responsible for payment of legal fees and costs
incurred by the other in enforcing their rights under this Agreement.
l)
21. VOID CLAUSES:
Jfany term, condition, clause or provision of this Agreement shall be
determined or declared to be void or invalid in Iuw or otherwise, then only that
term, condition, clause or provision shall be stricken from this Agreement and in
all other respects this Agreement shall be valid and continue in full force, effect
and operation,
22. INDEPENDENT SEPARATE COVENANTS:
It is specifically understood and agreed by and between the parties hereto
that each paragraph hereof shall be deemed to be a separate and independent
covenant and agreement.
23. DESCRIPTIVE HEADINGS:
The descriptive headings used herein are for convenience only, They shall
no effect whatsoever in detemlining the rights or obligations of the parties,
10
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