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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
BankAmerica Housing Services, a
Division of Bank of America, FSB,
Plaintiff,
)
)
)
)
)
)
)
)
)
CIVIL DIVISION
No. 9' J' ~ '-/ VI CWf..R.. -r;....-
v.
Edna G. O'Donnell, Robbie O'Donnell and
Lynette O'Donnell,
Defendants.
COMPLAINT
COUNT I - REPLEVIN
AND NOW comes BankAmerica Housing Services, a Division of Bank of America, FSB, by
and through its attorney Erin P. Dyer and avers the fOllowing in support of its Complaint In Replevin:
1. BankAmerica Housing Services, a Division of Bank of America, FSB, hereinafter
referred to as "Plaintiff," is a corporation duly authorized to conduct business in the Commonwealth
of Pennsylvania and has its principal place of business located at 400 Southpointe Boulevard,
Southpointe Plaza 1, Suite 230, Canonsburg, PA 15317,
2. Robbie O'Donnell, Lynette O'Donnell, and Edna G, O'Donnell. hereinafter referred
to as "Defendants," are individuals whose last known address is at 1042 Avon Drive, Shippensburg,
PA 17257.
3, On or about December 2, 1994, Defendants purchased a 1995 Giles Kentuckian
Manufactured Home, Serial Number G113012. (the "Mobile Home"), from Country Side Village
Homes, Inc., (the "Seller"), and entered into a written Manufactured Home Retail Installment
Contract and Security Agreement. (the "Security Agreement") for the payment of a portion of the
purchase price thereof, A true and correct copy of the Security Agreement is attached hereto as
Exhibit "A."
4. Seller assigned its interest in the Security Agreement to Security Pacific Housing
Services, Bank of America. FSB. Security Pacific Housing Services. Bank of America, FSB
perfected its security interest in said mobile home by having an encumbrance on the title thereto.
A true and correct copy of the Certificate of Title is attached hereto as Exhibit "B." Security Pacific
Housing Services, Bank of America, FSB assigned its interest in said Security Agreement to
Plaintiff, BankAmerica.
5. Plaintiff avers that the approximate retail value of said Mobile Home is $22,437.00
and that the said Mobile Home is in Defendants' possession but i1s exact whereabouts are
uncertain,
6. Defendants defaulted under the terms of the Security Agreement by failing to make
payments when due, As of January 15, 1998, the Defendants' payments of interest and principal
were in arrears in the amount of $560.29. Pursuant to the Acceleration Clause in the Security
Agreement the amount outstanding as of January 15, 1998, is $22.612.56,
7. Plaintiff provided Defendants with thirty (30) days notice of intent to repossess the
Mobile Home. A true and correct copy of the notice of intent to repossess the Mobile Home is
attached hereto as Exhibit "C."
8. Defendants failed to cure the default or return the Mobile Home upon Plaintiffs
demand.
9. Plaintiff avers that under the terms of the Security Agreement and Pennsylvania law
it is now entitled to immediate possession of said Mobile Home.
10. The Security Agreement provides that in the event of default:
2
a, Defendants will pay the reasonable attorney's fees of seller or of seller's
assignee, provided that prior to comll1encement of legal action such fee
shall not exceed $50,00;
b, Court costs and disbursements; and
c. Costs incurred by seller or of seller's assignee to foreclose on the Mobile
Home including the costs of storing, reconditioning and reselling the Mobile
Home,
11. In order to bring this action BankAmerica Housing Services. a Division of Bank of
America, FSB was required to retain an attorney and did so retain Attorney Erin p, Dyer.
WHEREFORE. Plaintiff, BankAmerlca Housing Services, a Division of Bank of America,
FSB, requests:
a) judgment against Defendants to recover the Mobile Home, piUS detention damages, special
damages consisting of inter alia, detaching and transporting the Mobile Home, shipping fees, any
cost for insurance placed on the Mobile Home by Plaintiff, late charges. and all allowable damages
per the Security Agreement, any further costs for repossession and sale, and attorney's fees and
costs of litigation in order to obtain possession of the Mobile Home; and b) In the event Plaintiff
repossesses said Mobile Home and resells or otherwise disposes of said Mobile Home, a
deficiency judgment in an amount to be determined by the Court upon petition of Plaintiff, which
amount shall be equal to the difference between the amount owed pursuant to the said Security
Agreement plus the damages set forth in paragraph (a) above and the amount recovered by
Plaintiff from the resale or other disposition of the said Mobile Home, less expenses.
COUNT II - DAMAGES
By way of separate and alternative pleading. Plaintiff, BankAmerica Housing Services, a
Division of Bank of America, FSB, alleges the following:
12. Paragraphs 1 through 11 of this Complaint are incorporated herein by reference as
though fully set forth,
3
13. This Count Is brought In the alternative to the relief sought In Count!.
WHEREFORE, Plaintiff. BankAmerlca Housing Services, a Division of Bank of America,
FSB. requests:
a) judgment against Defendants In the amount of $22,612,56 with interest and late charges plus
detention damages, special damages consisting of inter alia, detaching and transporting the Mobile
Home. shipping fees, any cost for insurance placed on the Mobile Home by Plaintiff. late charges,
and all allowable damages per the Security Agreement. any further costs for repossession and
sale, and attorney's fees and costs of litigation in order to obtain possession of the Mobile Home;
and b) In the event Plaintiff repossesses said Mobile Home and resells or otherwise disposes of
said Mobile Home, a deficiency judgment in an amount to be determined by the Court upon petition
of Plaintiff, which amount shall be equal to the difference between the amount owed pursuant to
the said Security Agreement plus the damages set forth in paragraph (a) above and the amount
recovered by Plaintiff from the resale or other disposition of the said Mobile Home, less expenses.
BY~~ ~
Erin ,squire --. ,-;1 #??71'j
Attorney for BankAmerica Housing
Services, a Division of Bank of
America, FSB
PA Attorney 10 Number 52748
2021 Murray Avenue, Ste. B
Pittsburgh, PA 15217
(412) 422-8975
L:\BANKAMERIO'Donnoll, Edna\cm,wpd
ENNSYLVANIA
lETAIL INSTALLMENT CONTRACT
nd SECURITY AGREEMENT
MH FIXED RATE CONTRACT
" FOR "~;' LOAN 'lAN: F 0 1
"j)'FlcE '::; OFFICE NUMBER: 79 07 5
~S(':::: OEALEA NO.: 7 5019 1
'ONLY," ACCNr, NO,:
NAME: JACK 0 O'DONNELL
UYER(S): NAME: EDNA G O'DONNELL
NAME:
IYER'$ NAME:
lDRUS: 1042 AVON DROV!::
COUI/TY;CU'MBERLAND
CIT"I, SHII?PENSBURG 'TATE:~ %IP: 17257
!.see '(SI' 201.18.8950 209'26' 997 4
SHIPPENSBURG, PA 17257
'HONe:
tOPOSED LOCATIO'l OF MANUFACTUREO HOME: 104 2 AVON DROVE
,I'm" or 'UI' m..n. ,II plr.on. who ,ion this cClntract es buy., or co-buver.Jolntly end severally. and 'you' or 'your' m'I"' thl "lIer Gnd
1V Inign,.. Thi, contrecl will b. lubmitted to the C"ditar Indicated bilow, et a loclIl oHicl. and if Ipprovld. it will b, ..,ignld to thlt
roditor. On the dot. 0' this controct. I buy 'rom '/ou on 0 crodi! .010 bo.i. tho monufocturod homo do.cribod bolow. togothor with
Ifni,hinOl. .quipm1nt. ',pplianc,. and loelnori" Included In tho mtlnufact\lred ham. .t the time of purch... (cIIl,d 'Mlnuflctured Hom,').
REDITOR:SECURITY PACIFIC HOUSING SERVICES, A DIVISION OF BANK OF AMERICA, FSB
Cucrlpllon of-'
Mlnuf.ctured
Hom.:
TRADE NAME, GILES
VUR: 9 5
~tR~'ERS: GI 13012
MOOEL: KENTUCKIAN
NiW;~ U5EO:_ lENGTH: 80 It ~OTH: 14
IlTtM I.,,,
I I
',1 5lFUA\. NUMBER 1
liTEM I ,.,,:', ,.. .,..-.-,.., SERIAL NUMBER I
ADDITIONAL
ACCESSORIES
ANO FURNISHINGS:
STEPS
SKIRTING
STOVE
REFRIGERATOR
ROMISE TO PAY: I promi.. t. p.y you tho Unpoid Solonce .hown in (Item 5) w;th intere.t.t the reto of,
12.50 % por
ear until the dlbt is fully peid. I'll PlY thi, amQunt in installmonU .a; chown in the plyment sch.dule. Eacn monthlv paym.nt will be i1ppli,d n
fits sch,dulld due date. If no interest rete is di:elo".d abovl. the interlnt tate is t"'" Annyal Pore.ntago Rat. shown b.low.
ANNUAL
PERCENTAGE
RATE
FINANCE CHARGE
Amount Finan~.d
Total of Payments
Total Sal. Pri~.
The totll cOlt or my
purehue on credIt
Including mv do....."
payment of
The amount I ..,,,11 have
plid after I ha". mad I III
paymeots .s scheduled:
The o1mount of credit
providod to me or on
my beholf,
The cost of my credit II
. y..rty rail:
The dollar .mounlthe
credit will COlt me:
$ 1,550.00
S 63,302.00
12.50 %
s ,39.106.00
s 22,646.00
'Se'--' .-
$ 61,752.00
" Fin; Ch,r '... 'Arf,ount Fin. 'L' .~TotafPa :"':Oow.;", 'menl
Se. contraeltermS fot OIddition.1 inform.tion
aboul nCln~aymenl. default. required
repaymont in full be'ore Ihe Icheduled
dale. .nd prep,y"'et\1 r.tunds OInd
pen.hi,lI.
Prepoyment If I PlY oK e.rlv. I will 1'101
h.ve to p'y . penalty. bUll will not b.
,ntitled 10 :I refund of th. Prep lid Fin,nce
Chargo. if :lnV.
Secl.lrity: I gIve you a ItcurifY interelt In: ..x.. the goodS or property being purch01$(1d.
Number. of
P,ym.nl' '
Amount of
Poavm,ntl
257 .30
.00
.00
.00
;:; Wh~~ p~y~~:~t~ -~~~~uli':' .:.:~; ~ ,;.
Monthlv. beginning . 19
Monlhlv. bcginnina . 19
Mcnttlly. beginning .19
Monthly. beginning . 19
My
paym~nt,.
.i:hiidui.
will b.;:: <
240
$
$
$
$
_ra.l property IOCII,d at:
LI~ Cher;e: If .. p.yment il moro 1han 15 d.VlI~t..1 will be ch..rged
S 5.00 .
5 % of the unpaid amounl of luch payment. 1'101 to .xceed
A...umption: Someone buying my M<lnufactured Homo may. under CIlr1.in circumstance;,. b. allowed to ,",Slum. the I"1Imaindor ollho contract on the
origin311erms,
soooz.oZS. PA
EXHIBIT "A"
Security Agreement
It
(If Joint eov.reg. dooir.d. both propocod inlur.d. meat lign.)
If you do no~ m.ot your contract obliglftions, you mlY lOll your
menuf.ctur.d homl.
Notice to Buyer: Do no~ sign thil contract In blInk. You Ire
entitled to In eXlct copy of thl contract you sign. Keep it to
pro~ect your tlgll rights.
IVVlRIIIE & ~
J 0 O'DO~LL
,'~:,:c~::i,i:;::,'l,ITEMIZAT10N ,OF.:I\MOUNT f1NANC&C" ~::.iii"
. Cuh Prleo (Incl. Sol.. T.. 01S . 00 I: S 4 , 1
" ., C..h Downp.ymonl S 50 . 00
b, Trodo-ln (VOIr. M.k~: 'M~doll: 6 B CONNERS
L.nglh 50 WIdth 12
GrollVllUI S 1,500. OOLllnl S .00
(.........,.111
N.I Tred.tn V.lul $ 1 , 500 . 00
TOIII Downp.vm.nl...,.....,............................. S
:, URp.ld Bllonco 01 Cuh Prlc. (1 minu. 21 S
'. Amounll pold 10 otho", on my b.h.lI:
o. To Inlurlne. Complnl..:
, (' IProporty Inlur.neo..... $
(2) Cr.dit U,. In.~r.ne.... S
b. To Public Officiol"
(11 c.ninelto 011111........ S
(2) S
e. To Sollor:
For: _.I
VI"oM fIII....- eN,..,
1,550.00
22,601.00
.00
;00
45.00
.00
$
.00
d. To:
Par:
.00
.00
s
o. To:
Fer:
$ .00
TOIIIl. "b" e +d ...1........... S
. Unp.ld B.loneo (3 pIU.d).......'......................... S
. Prop.ld Fin.neo Ch.rg................................... S
'. AmouRIFiRoR..d (8 minuI61.......................... $
45.00
22,646.00
.00
22,646.00
:CEPTEO: The fONgoing cOntract I. h,reby as.siQn,d under Ihe terms
of \he ANignm,nt on p.ge 4.
,UR'COtJNTRY SIDE VILLAGE HOMES INC
.l.l"'~
CltlSS:
2023 LINCOLN WAY EAST
.UR'S
/arlJRE:
.LEA'S
.!:
"
. .~.'
- I SUAANCE'"
PROPmTY INIURANCE: Proporty Inlurone. on Iho Mln...
I.Clur.d Ham. il roqulred for Iho torm ollhil .ontroel. I h.vo
Ih. rig hI 10 .haa.o thl p."on through whom II II obl.lnod.
By morkJng 'h. .pproprl.tt IIn. bolow. I .loCl 10 buy tho
eovor.;o Indlc.lod from vou lor Ih. term .nd promlum
shown:
Premium
.00
.00
Tvoo oltn.ur.n.1 Torm
_ Bro.d Form Camp. OMOS S _
Mobil. Homl Own.'" OMOS S
SERV arrRT S
UABIUTY INSURANCE COVERAGE POR BOOILY INJURY AND
PROPERTY OAMAG& CAUSEO TO OTHERS IS NOT INCLUDED
UNLESS MOBIL! HOME OWNERS INSURANCE IS INOICATEO
IN THE PROPERTY INSURANCE S!CTlON ABOVE.
CR!DIT UFI! INSURANCE: Crodll LIf. Inlurlno. I. nol
r.qulr.d lor thi. conU'CI or I I.ctor in III ooprovol. III ol.ct
Crldlt Uf. IRlur.n... thl n.m.(I) of thl propol.d Inlurld(l)
.r.:
Propolld Inlurod
Propalld Inlurod
(Only IpOUII c.n b. inlur.d jointly.)
Thl. Inlur.ne. m.v not PlY off .11 of my d.bL ond th. ....1
.mounl 01 covor.gl I. .hown on my pall.y or c.rtine.to. My
.lgR.M. indlcatol my olo.'ion to abt.ln Crodll U"'n.ur.n.o
Goyer.g. for the t"m Ind premium thow":
Type of Coverage
_ Sln;lo
Joint
Tlrm
Premium
S
S
1"."181""
Dol.
Olt.
(IofnltlJl'Il
~
EDN~ G O'DO~l~LL
~','I $ A'Jtt ,/
(d 1/", , ,U''X ~ tl'-v..;u {/'
DATE OF THIS CCN'T1\Acr: .11
.GREE TO ALL THE TERMS ON ALL PAGES OF THIS RETAIL INSTALLMENT CONTRACT ANO ACKNOWLEOGE RECEIPT'OF"
COMPLETEO COPY OF THIS CONTRACT. cI ., ~
^~J (f (J) &d"~..k ;;:Z,,' ~...!/ (1) 7/~t.11."</
C 'O.'N" .,.""") I"O.'NII .....uw'"
1882.D2!4'A
..
PAQe z 01' 4
ADDITIONAL TERMS AND CONOITIONS
ECURITY INTEREST: I granl you a security intarest undar the Uniform Commercial Code In (1) the Manulactured Home and in all
,od. Ihal lie or may hernller by oper.tion of I.w bucome .ccessions to It. (2) eny refund I of unurn.d Insur.nce premium.
,anced in Ihls contract. and (3) all proc..d. 01 such Msnufsctured Home end acclSsions. Thl. security interast ..cures payment
,d performlnce of my obligations under thle contract. Including any addilional debt arising beceu,e of my failure 10 perform my
bligations under thi. oontrlCI. .nd includes Iny oontraclual e><tenlions. renlwals or modification., If this contract Is sacurad by a
.ortgege or dead of trusl on my real estate. then this security a;reoment i. not exclu.iva. Your rights and remedies undll
lis contract and any mortgage or d..d of trust executed herewith ere cumulative. but my right to a Notico of Delauh and Righi to
uro Default shall not be allected by any inconsistent provision 0' any mortgo;o or doed of tru.t, My execution of thl. contrsct
,nstitules a waiver of my personal propsrty and homestud examptlon rights to the por.onal and raal property herein describad.
REPAYMENT: I MAY PREPAY THIS CONTRACT IN FULL OR IN PART AT ANY TIME WITHOUT PENALlY, BUT I WILL NOT BE
NTITl.EO TO A REFUND OF THE PREPAID FINANCE CHARGE. IF ANY.
ROPERTY INSURANCE: I .m required to insere the Manufactured Home .g.in.t phy.ic.1 damage for the term of the contract at
'y expense, The minimum cov.rage will b. Broad Form Comprehen.ive In an amount equal to the les..r of th. actual cash value
I the Manuf.cturod Homo or tho remaining unpoid bolanc. I owe from time to time on this contract. The insuranc. policy will
ontain a Ion payabla clau.. prot.cting you (as your Interest may apPllr). and provide for 10 d.y notica of c.ncall.lion to you,l
av. the right 10 choo.. the person through whom tho property insur.nce policy i. obtained. If my in.uronce covarage expires or
, cencelled prior to payment in full of this contrect. I mu.t obt.in no less than the minimum cov.rag. at my expense for tho
,meining term of tho contrac!. Should I f.i1 to maintain insuranc. cov.rago. you may. but aro not obligated to. obtain the
,inimum covarlga .nd such addition.1 cov.roge os you may rouonably require. If you do so, you will notit( m. of that fact and
III tho Call. p-Ius interesl at tha oontract rat., will be added to my debt. I will repay ,uch amount during the t.rm of the policy in
I. manner r.iiulttad by you. I und.rstand thlt tho Insuranco premiums may b. hlgh.r if you must purchua tha in.ur.nce th.n
light b. tha ca.. If I had purchaSld the in.urance. and th.t you may purchase the Insurance from an affillaled company who
lay rec.iva a prollt for this service.
ATE CHARGE: I agr.e to pay a lat. charg. for I.to paymont as sot forth on the front of this contract. Only one late chorgo will bo
1Ide on any delinquent Inst.llm.nt r.glrdless of the period lor which th.t in.t.llment rem.ln. in default. After thl. contract
1Itures. whether by acceleration or otherwise. I will not be charged a late charge.
VENTS OF DEFAULT: I will be In default under this contract iI, (.) I f.i1to make eny p.yment whon due; (b) I fail to tim.ly maka
,nt.1 peyments. or to p.y oth.r charge. .nd ......m.nl.. rel.ling to tho real proparty .nd/or facility on which the Manufactured
loma i. loc.tad: (c) I violete rula. or regulotion. r.llting to Ihe facility wh~re tho Mlnut.ctured Home I. located: (d) I fall to keop
II M.nufactured Home In good repair Ind condition. as you may re.,on.bly determino: (e) I remove the Manuf.cturad Home
'om the .ddr.1I shown on this contract unlo.. I notIfy you in advance .nd roceiva your wrinan con.ent; (f) I sell or .nempt to sell
,e Menufactured Home withoul fir.t obtaining your wrinen con,ont; (g) I allow the Manufactured Home. if It i. pel'$onal
roperty. to become part of .ny re.1 e.t.,a; (h) I ancumber or abandon the Manufactured Home or u.. it for hire or illegally: (i) I
Iii to promptly PlY any taxo. .nd other lian. and oncumbrances on the Manufactured Home: and/or (j) I fail to do anything el.e
lhich I have promised to do under this contract
IOnCE OF DEFAULT: If .ny of the above specified Event. 01 Def.ult hava occurrad. you may do whatever is necessary to correc,
W d.fault. You will. excopt IS .et forth b.low. first givo me a Notice of Default and Right to Cure D.fault bofore you accelorato
aymanl of the remaining unpaid balance I owe you or repossess or loreclo.a on any property which secures this contract
he Notice will tell me what my default is .nd how I can cure it. You ere not r.quired to ..nd me this Notice when (1) you hava
Iready .ent a Notice twica within tha preceding on&-year period, (2) I h.vo abandoned or voluntarily .urrendered the
~.nul.ctured Home. or (3) other extreme circum.t.nc.. a.i5l.
:URE OF DEFAULT: I may cure a default at any t,ma bafora mi. to the Manufactured Home i. tr.nslerrod from me. which will be
t leo.t45 days aller r.ceiPt of the nollce 01 dsfault. To cure a default I must pay: (a) all amount. which would h.va baen due in
,e .b.anca of dafault and aceoloration; (bl tho anornoy'. fees let forth below: (c) any lato charge. th.t .re due: and
~) re..on.bl. cost. which are actually incurred for d.taching .nd tran.portlng th. Manufactured Home to tho .ite of .ala. I must
1.0 parform any other obllgallon I would have had to perform In the ab.ence of delault.
IEMEDIES UPON DEFAULT: If I do not cure the dalault you m.y do either or both of the following at tha and of tha notice
'Iriod: (.) you e.n require mo to imm.dllt.ly p.y you tho entire remaining unp.id b.l.nce of the contract plu. Iccrued interesl.
,r (b) you can r.poue.. Ihe Manuf.ctured Home. If you are not required to send me the Notice of Def.ult and Right to Cure
lefault. you will hive these rights immadl.taly vpon my dof.ult, Onc. you get po.....ion of the Manuf.ctured Home. you wills.1I
:. If the omount from the .ale. after expenses. Is Ie.. than wh.t Iowa you. I will pay you tho dillarence except .. otherwise
,rovldod by I.w,
\TTOR~EY FEES: If you hire .n attorney who i. not your s.l.ried employ.e to collect wh.t I owe under this contrect or to get
'O~.e"'on of Ihe Manufacturad Home. I will pay your rea.onable .ttorney's fees, provided th.t prior to commencement of legal
ctl,on such I.e. m.y not exceed 560.00 and further provided th.t no .ttorney's fee. may be charsed prior to my receipt 01 the
otlce of default.
~OOGi.oz,' PA
PAGEJOF4
':"
JPN-1S-1998 15:54
EP~IK PMER 1 CA PI TTSELPGH
412'-673 5827 P.lI:I/1U
OTHER TERMS AND CONDITIONS: I agree: (I) 10 p,y wilh my monlhly Inmllmlnt~. If rlqueslld by yo~ to do so. the estimol.d
amount n.c....ry to PlY ye.rly I..... ......m.nlS and Insur.nce prlmium. that Will blco!". duo with on the next :w.1v. monlh
p.riod: (b) 10 pay you. trlnlfor f... If I "II tho M.nul.ctur.d Home, unl." such fee Is prohlblled by I.w; (elto p.y 'ntlrestat the
contracl rate on Iho rlmalnlng unp.ld b.lencl plus .ccrued Inleres~ from th. date of meturity unlll paid In full: (d) to r.lmburn
you. imm.diatlly upon your demand. with interut ."h. ~on'ra.c' rot., tho .mounl of fund, you aClually advanc. ,on my behalf to
corroct my d.fault .nd (e) Ihll If I am morn.d. .nd reSIding In . community prop.rty stet.. both my communllV property end
separat. property will b. II.ble for all paym.nts duo und.r th.. contract.
CREDIT INFORMATION: Vou mlY Inv.stig.to my crldit hislory and credil c.p.city in connection with opening and collocting my
.ccount .nd Ih.r. inform.tion .bout me and my 'eccount wilh credit reponing ag.ncies. You may soli or othllWlse furnish
information about me. Including insurence informetion, to all olhe.. who m.y lewfully receiv. such informetlon, You m.y furnish
sp.cilie informelion .bout the Manufectured Home .nd .ny inluranc. policies on the Manufactured Home to any insurance ag.nt
to enable such agent to quote premiums to me and solicil my in,uranc. business.
ASSIGNMENT: You m.y .sslgn Ihis contr.cl to .ny porson or .ntity, All rights gr.nt.d to you under this contr.ct sh.1I .pply to
Iny .ssigne. of this conlr.ct.
WAIVER: Waiver of any dof.ult sh.1I not conslitute . waiver of any other def.ult. No term of Ihi. contr.ct sh.1I b. chang.d unloss
in writing .nd signed by on. of your officers, This contract. and any mortg.g. or deed of trust .xecutld by me in connection wilh
this contr.cl is Ihe entire agreem.nt b.twoen us .nd I agree Ihn no or.1 or implied representations h.v. been m.de to
Induce me to enter into this contract,
VALIDITY: Wherever posslbl. uch provision of thi. contr.ct shall b. Interpr.,ed in such menner IS to b. eH.ctivI end valid under
.pplicable law. but If .ny provision of this contract shell be prohibited by or Inv.lid under appllcabl. I.w. such provision shall ba
ineHectiv. only to the ext.nt of luch prohibilion or invalidity. without invalidating tho r.meinder of such provision or the rem.ining
provisions of this eonlract. This contract .hall be of no effect until end unl... signed by me and you. In no event shall eny
cherge under this conlract exc..d the hi~hest amount allowed by .pplic.bl. I.w. If eny excess cherg. is r.c.ived. such exce..
shall b. refunded or applied to tho emount due,
(S.e Other Pege for Consumer's end Solie,. Signatures)
" ,-, '~~ .' ' "
ANY HOLDER OF THIS, CONSUMER CREDIT CONTRACT IS SUeJECT TO, ALL CLAIMS AND DEFENSES WHICH THE
DEBTOR COULD ASSERT AGAINST' THE SELLER OF G,OODS OR SERVICES, OBTAINED PURSUANT HERETO "OR
WITH THE PROCEEDS HEREOF. 'RECOVERY HEREUNDER, BY THE DEBTOR SHALl; NOT EXCEEDAMOI.JNTS PAID,
BY THE DEBTOR HEREUNDER. ' . , ' ,
ASSIGNMENT BV SELLER
TO CREDITOR INDICATED ON OTHER PAGE ('Creditor")
With respect to this retail installment contracl ('contrect') signed by one or more buyers ('Buyer'). SELLER represenls end
werrants that (1) Buyer's credit st.tem.nt submitted herewith i. completely accurate unless otherwise speeifi.d; (2) Buy.r w.s
leg.lly competent to contrect at the tim. of Buyer's e.ecution of this contract; 13) this contract arose from the bona fide .ele of
Ihe morchandi.e described in thi. contr.ct (4) Ihe downpayment WIS mad. by Buyer in cash unless otherwise sp.cified and no
pen thereof wa. loened directly or indirectly by Seller to Buyer. (51.ny tred...in, or other consideration, received as any part of the
downpaym.nl. is accurat.ly described on the other page. and has been valued at its bona fide velue, and any amount owed on
such trode.in or other prop.rty is occuretely describld on the other poge and ha. been paid off by Sell.r prior to or
contemporaneously with the assignment of this contract to Creditor; (6) there i. now owing on this contract the amount set forth
herein: (7) this contract and any guaranlV submitted in connection herewith is in .11 respect. legelly enforceoble ageinst eech
purponeci signatory ther.of: (8) Seller has the right 10 assign Ihls contract and Ihereby to convey good title to it; (9) in the .vent 01
any claim or defense asserted by any Buyer. or any heirs or assigns of Buyer. with respect to Ihe Manufactured Home or other
prop~rty or consideration transferred pursuant to this retail installment contract Seller agrees that it will indemnify and hold
Creditor harmless from all such claims and d.fenses as well BS from all costs reasonably incurred by Creditor in connection
therowith. including but not Iimll.d 10 reasonabl. ettcrney lees .nd court costs; end (10) in eccordenc. wilh tho F.ir Credit
R.poning Act Sellor hal notified Buyer that this contracl is to be submitted 10 Cr.dilor.
Fo~ velue receiv.d. Seller hereby ..signs to Creditor all its rights. litle and interest in this contract .nd the property which is
Ih. subJect matt.r hor.of and authoriz.. Creditor to do everything nec....ry 10 coll.ct and discharge sam.. All the torms of any
~xlst!ng writt.n agroements b.tween S.lIer .nd Creditor governing Ihe purchose of contrects ore made e part h.reof by refer.nce.
It bOlng understood that Creditor relies upon Ihe above warranties and upon said agreements in purchasing this contract.
350002.02.'. PI.
PACi . o~ .
TOTAL P. 10
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