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Home My WebLink About98-00712 ~ "'.}. . ] 3 - - ll' v} ~ ci A.\ . ~ J ~ ~ ~ ~ ~. 't i;, if , , r ... ~ :- . ..::'1 ~ r'lJ ~ '"' " IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AUTOFINANCE GROUP, INC, NO,: CIVIL DIVISION Plainti IT, NO: 98-712 Civil vs, TYPE OF PLEADING: MICHAEL D, SMALLWOOD and LORI A. RETTIG, PRAECIPE FOR DEFAULT JUDGMENT Defendants, CODE- FILED ON BEHALF OF: PLAINTIFF COUNSEL OF RECORD FOR THIS PARTY: I hereby certifY that the address of Plain tilT 601 Onkmont Lane, #350 Westmont, IL 60559 Seall A. Dielleriek, Esquire Pa. I.D, #55650 the last known address of Defendants is: 146 Dauphin SI., #IC Enola, PAl 7025 JAMES, SMITH, DURKIN & CONNELLY P,O. Box 650 Hershey, PA 17033 (717) 533-3280 Attorneys r Plaintiff ~ ..... " IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AUTOFINANCE GROUP, INC, NO.: Plaintiff, NO: 98-712 Civil vs, MICHAEL D, SMALL WOOD and LORI A. REITIG, Defendants, PRAECIPE FOR DEFAULT JUDGMENT TO; PROTHONOTARY SIR: Please enter a default judgment in the above-captioned case in favor of Plaintiff, AutoFinance Group, Inc, and against Defendants, Michael D, Smallwood and Lori A. Rettig, for '\ , ,\ , i possession ofthe certain vehicle, 1993 IsuzlI Amigo, VIN #JACCG07E9P9801539 or for the value of said vehicle in the amount of$9,626.97. I , JAMES, SMI1:r, DURKIN & CONNELLY BY; '\' l \' /' '~/ S ottJ<\., 'Dlelterick, Esquire Attorneys for Plaintiff P,O.Box 650 Hershey, P A 17033 (717) 533-3280 2 IN TIlE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AUTOFINANCE GROUP, INC, NO.: Plainti n: NO: 98-712 Civil vs, MICHAEL D, SMALLWOOD and LORI A, RETTIG, Defendants, NOTICE OF ORDER. DECREE OR JUDGMENT TO: Michael D, Smallwood ( ) Plaintiff (X) Defendant ( ) Additional Defendant You are hereby notified that an Order, Decree or Judgment was entered in the above captioned proceeding on j-rf-tfY , ( ) A copy of the Order or Decree is enclosed, or (XXX) The judgment is as follows: For possession ofthe certain vehicle, 1993 Isuzu Amigo, VIN #JACCG07E9P9801539 or for the value of said vehicle in the amount of$9,626.97, ,"' I [- :1.':' '.'" i( 'I' I,' !l.:.' 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,I'ENNSYLV ANIA AUTOFINANCE GROUP, INC, NO,: Plaintiff, NO: 98.712 Civil vs, MICHAEL D, SMALLWOOD and LORI A. RETTIG, Defendants, NOTICE OF ORDER. DECREE OR JUDGMENT ~ TO: Lori A. Rettig () Plaintiff (X) Defendant ( ) Additional Defendant You are hereby notified that an Order, Decree or Judgment was entered in the above captioned proceeding . .\ , , on 1-/r" tiY' {8- ( ) A copy of the Order or Decree is enclosed, or (XXX) Thejudgment is as follows: ! For possession of the certain vehicle, 1993 Isuzu Amigo, VIN #JACCG07E9P9801S39 or for the value of said vehicle in the amount of$9,626.97. . ~ '" I 5 '~ " SHERIFF'S RETUR~ - REGULAR CASE NOI 1998-00712 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND AUTOFINANCE GROUP INC VS, SMALLWOOD MICHAEL D ET AL TIMnTHY REITZ CUMBERLAND County, Pennsylvania, who to law, says, the within COMPLAINT - , Sheriff or Deputy Sheriff of being duly sworn according REPLEVIN was served upon SMALLWOOD MICHAEL D defendant, at 1251:00 HOURS, on the ~ day of February 1998 at 14E DAUPHIN STREET 111e ENOLA. PA 17025 the ,CUMBERLAND County, Pennsylvania, by handing to LORI A, RETTIG PERSON IN CHARGE AT TIME OF SERVICE a true and attested copy of the COMPLAINT - REPLEVIN and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketino Service . Affidavit Surcharge So ans'tlers ~.- ."; ~:o ~'.....I... _ .-":'/~ ~- '. ..._.. ,.,.- ... ..-'l-' . , 0".. .Oh .- ...'....1" _~,.~~ Po. I homas l\l.J.ne, :oherJ.z:t 109.00 9,30 ,00 6,00 s~~,~~ JAMES SMITH & DURKIN 02/10/199~. by , Sworn and subscribed to before ~e this 19 day of A. D. l"rothono>:ary \ IN THE COURT OF COMMON PLEAS OF ClRvlBERLAND COUNTY, PENNSYLVANIA AUTOFINAN'CE GROUP, INC, CIVIL DMSION Plaintiff, ~I J No,: 98-712 Civil vs, MICHAEL D, SMALLWOOD and, LORI A. RETIIG. , Defendants, ... , IMPORTANT NOTICE TO: Lori A, Rettig 146 Dauphin Street #IC Enola. PA 17025 j i 11 , , DATE OF NOTICE: March 2, 1998 YOU ARE IN DEFAULT BECAUSE YOU HAVE FAILED TO ENTER. A WRITIEN APPEARANCE PERSONALLY OR BY AITORNEY AND FILE IN WRITING WITII THE COURT YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAlNST YOU. UNLESS YOU ACT WITHIN TEN (l0) DAYS FROM THE DATE OF TIIIS NOTICE, A JUDGMENT MAYBE ENTERED AGAlNST YOU WITIIOUT A HEARING, AND YOU MAY LOSE YOUR PROPERTY OR OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE TInS NOTICE TO YOUR LAWYER AT ONCE, IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE FOLLOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP, j I' ' \ ( I. i f l ,- I" III' ~ ' i.... \'.-._' ( >,' " .1[' , r".. ,I' ~.. ' : i',' LAWYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 Phone (717) 249-3166 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA AUTO FINANCE GROUP, INC, CNIL DMSION Plaintiff, VS, No,: 98-712 Civil i\.1ICHAEL D, SMAll WOOD and, LORI A. RETIlG, Defendants. A: Lori A. Rettig A VISO JMl'ORT AI'ITE FECHA DEL A VISO: March 2, 1998 USTED ESTA EN REBELDlA PORQUE HA FALLADO DE TOMAR LA ACC10N REQUERIDA EN ESTE CASO. A MENOs QUE USTED TOME ACClON DENTRO DE LOS PROXIMOs DIEZ (lO) DlAS DE LA FECHA DE ESTE A VISO, SE PUEDE DlCTAR UN FALLO EN CONTRA SUY A SIN UEV ARSE A CABO UNA VISTA Y USTED PUEDE PERDER SU PROPIEDAD Y OTROS DERECHOS IMPORTANTES. USTED DEBE UEV AR ESTE DOCUMENTo INMEDlATAMENTE A SU ABOGADO, S1 USTED NO TIENTE UN ABOGADO 0 NO PUEDE PAGAR UNO, V AY A 0 LLAME LA OFICINA ABAJO INDlCADA PARA QUE LE INFORMEN DONDE PUEDE CONSEQUIR A YUDA LEGAL. LAwYER REFERRAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, P A 17013 Phone (717) 249-3166 DATE: 1/C/t'! 't'l/ & CONNELLy BY: / Stott A. Dietterick, Esquire PA W, #55650 Attorneys for Plaintiff P.O. Box 650 Hershey, PA 17033 (717) 533-3280 ! FIRST CLASS U.S. MAIL, POSTAGE PREPAID r.. k,' \ 1 I~ ~: , I' i ; " I "., , J IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION AUTOFINANCE GROUP, INC, NO,: 18- 1/ J. (l ~(;~L Plninti IT, vs, TYPE OF PLEADING: MICHAEL D, SMALLWOOD and LORI A. RETTIG, COMPLAINT IN REPLEVIN Defendants, FILED ON BEHALF OF: AutoFinanee Group, Ine" PlaintilT COUNSEL OF RECORD FOR THIS PARTY: Scott A. Dietterick, Esquire Pa. 1.0, #55650 JAMES, SMITH, DURKIN & CONNELLY 1',0, Box 650 134 Sipe Avenue Humme]stown,PA ]7036 (717) 533-3280 1 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AUTOFINANCE GROUP, INC, CIVIL DIVISION No,: ., , .~ f ( Plainliff, vs, MICHAEL D, SMALL WOOD and, LORI A, RETTIG AVISO r L , Defendant. USTED HA SIDO DEMONDADO/ A EN CORTE, Si usled desea defenderse de las demandas que se presentan mas adelanle en las siguienles paginas, debe tomar aceion dentro do los proximos veinte (20) dias despues de la notifaeacion de esla Demanda y Aviso radicando personalmenle 0 par medio de un abogado una eompereneencia escrila y redieaneo en la Courte por eserilo sus defensas dc, y objeeciones a, los demandas presenladas aqui en contra suya, Se Ie advierte de que si usled falla de lomar accion como se describe anlerionncnle, el easo puede proceder sin usled y un fallo por eualquier suma de dinero recIamada en la demanda 0 cualquier otra reclamacion 0 remedio solicilado par el dcmandante puede ser dictado en contra suya por la Corle sin mas aviso adicional. Usted puede perder dinero 0 propieded u otros derechos importantes para usled. USTED DEBE LLEV AR ESTE DOCUMENTO A SU ABAGADO IMMEDIA T AMENTE. SI USTEDNO TIENE UN ABOGADOONOPUEDEPAGARLEA UNO, LLAMEA VAYAA LA SIGUEINTE OFICINA PARA A VERIGUAR DONDE PUEDE ENCONTRAR ASISTENCIA LEGAL, LAWYER REFERRAL SERVICE Court Administrator 4th Fl., Cumberland County Courthouse Carlisle, P A 17013 Phone (717) 240-6200 ". 3 ~ I, ~ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA AUTOFINANCE GROUP, INC" PlnintilT, ) ) ) ) ) Case No, ) ) ) ) ) qj", '7/.1. (~;,:"e ~,.- vs, MICHAEL D, SMALLWOOD and, LORI A, REITIG, Defendant. COMPLAINT IN REPLEVIN COMES NOW, Plaintiff, AutoFinance Group, Inc., ("AFG"), and for its cause ofaclion against the Defendant, Michael D. Smallwood, alleges and states: 1. That the PlainlilT, AutoFinanee Group,lne, (hereinafter referred to as "AFG"), is a Califomia corporation validly existing and doing business in the Commonwealth of Pennsylvania, 2, That the Defendants, Michael D. Smallwood and Lori A. Rettig, (hereinafter referred to as "Defendants") arc individuals residing at 146 Dauphin Street, #IC, Enola, PA 17025 Pennsylvania. 3. That on or about the 17th day of September, 1997 for good and valuable consideration, Defendants made executed and delivered to PlaintilT's assignor a Promissory Note, in Lancaster, Pennsylvania, in the principal amount of$9,173.36 with interest thereon at the rate of 21,00 percent per annum until paid. A copy of said Note(s) showing all the temlS and provisions 4, That as part of the same transaction, and to secure the payment of said Note and the ;~ ~ .Ii I, ' I I, I, II I I , thereof and all endorsements and signatures thereon is attached hereto as Exhibit "A" and is made a part hereo f, 4 f, .1. ~' indebtedness represented thereby, the Defendnnts exceutcd nnd delivcrcd to Pluintiffa Security Agrcement wherein Dcfcndants mude, cxceuted and delivercd to Pluinliffa security interest in and to the following described property: 1993 Isuzu Amigo VIN JACCG07E9P980l539 A copy of said Security Agrcement nnd allnpplicablc perfection documents showing all the tenus and provisions thereof and all endorsements aad signatures thcrcon is attached hercto as Exhibit liB" and made a part hereof, 5, That the Defendants have not paid said Note in accordance with the tenus and provisions thercof and that Plaintiff, who is the owner and holder thereof, has declared the entire balance due under the tenus of the Note, as ofOctobcr 17, 1997, in the amount of$9,626,97 plus interest of continuing to accrue at a rate of 21,00 percent per annum until paid, plus reasonable costs, court costs and attomeys fees. 6, In accordance with the Fair Debt Collection Practices Act, Title IS U.S,C.A, Sec. 1692(g), if applicable, unless the person or entity responsible for the payment of the above debt, within thirty days after receipt of this notiec, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid; and ifsaid person(s) or entity notifies the undersigned attomey for Plaintiff in writing within said thirty day period that the debt, or any portion thereof, is disputed, said attomey will obtain verification of the debt and a copy of such verification will be mailed to said person(s) or entity by the undersib'l1ed attomey for Plaintiff; and upon written request by you within the thirty day period, the undersigned attomey for Plaintiff will provide the name and address of the original creditor, ifdiffcrcnt from the carrcnt crcditor. This is an effort to collect a 5 I I r, " I'., , ' , debt. Any and all infonlllllion obtllined will be lIsed for lhnl purpose, 7, That pllrsllllnlto the lenns of the snid Security Agreement, PlnintilT, who is the owner and holder thereof, has a special ownership inlhe right 10 the immediate and penn anent possession of the following described property, to wit: 1993 Isuzu Amigo VIN JACCG07E9P9801539 8, That thc Defendants arc in actual posscssion of said property, which is located in the Commonwealth of Pennsylvania, That said Defendants have failcd to pcnnit PlaintitTto takc posscssion of said propcrty and wrongfully and unlawfUlly hold possession thereof. 9, That the actual value of said property is unknown, bUI PlaintitTbelieves lhe approximate value of said propcrty to be in excess of$6.000.00, WHEREFORE, PlaintitT demands jUdgment for possession of the vehicle or the value of said vehicle in the amount 0[$9,626,97, Respectfully submitted, By: J1\E, , /' co A. Diettcrick, Esquirc Pa. I.D, #55650 Attorneys for AutoFinance Group, !ne" PlaintitT P.O, Box 650 134 Sipe Avenuc Hummclslown, Pennsylvania 17036 (71 7) 533-3280 DURKIN & CONNELLY 6 e...... ..,..",";"...... e." :-. ,..1. . ~" ." ... .-" . ......." ,4 -e""'~' . ... '._ -......._ . '. -.... e....... '.. ,....._,.,....,...-,....._ \ " _. lORI A UTIlC" Address lA~ "'.&NUIi"TW 'P~V'1P .~~ Addressl.(t';' n.&t}p~I]J 9T APT l~ l.&w,.."c:.,..a DI. 1,,,nl "UOlA fA 1702~ "We" and "us' maan the Seller above, Its "You" and "your" mean each Buyer above successors and assigns, and guarantor, jointly and Indlvlduelly, SALE: You agree to purchese from us, subject to the lerms and conditions of this Contract and Security Agreement, the Vehicle In Its present conditIon described below. , . ' Year Make Model Manufacturer's Serial Numbers Ucense No.JYear 'A INSTALLMENT CONTRACT ; S CURITY A~EMENT . t""t::'\I\ No,;' ~ dit' l.TEr - . T 'M""c:.,.~a DD.ou~.n AG ''"'-- " ' 9THER DESCRIPTION: '., '....,. SECURiTY: You give us a security Interest In the Vehicle described above, The Vehicle shall be complete with all accessions, ettachments, accessorias, equlpmen~ and proceeds of the Vahlcle, The delivery and acceptance 01 the Vehicle is acknowledged by you, Our security interest will not extend to consumer goods that are not Installed In or alfixed to the Vehicle more than 1 D days after we enter Into this Contract wI1h you, PROMISE TO PAY AND PAVMENTTERMS: You promise to pay us the principal amount of $ 9171.J6 ,plus finance charges accruing at the rate of 21 % per year until maturity, You agree to pay this Contract according to the payment schedule and late charge provisions shown in the TRUTH IN LENDING DISCLOSURES, and pay any additional amounts according 10 the terms and condltfons of thl~ Contract. After maturity, or after we have demanded payment of earned but unpaid amounts, we will, Instead, earn ,. ';merestat.-, 'l'IJEIl'rY9NI! percent per year. , , DOWN PAYMEfrr: You also agree to pay on or before todays date the down payment of any cash, rebate and net trade-in value described below, o MINIMUM RNANCE CHARGE: We may retain a minlmu'!l finance charge of S II ' A.' If you payoff this Contract before we have earned that much Interest. . ' " , .;.; , ;' TRUTH IN LENDING DISCLOSURES . ANNUAL FINANCE OHARGE AMOUNT TOTAL OF PAYMENTS PERCENTAGE RATE The dollar amount the FINANCED The amount you will have The cost of your credit credit will cost you. The emount of credit paid when you have made , as e yearly rate. provided to you or afl scheduled payments, .. .. ' on your behalf. '21.'- - .0/';' $ 3856" 72 $ 9173.36 yment Schedule: :four payment schedule will be Number of Paym Amount of Payments S S S Security: You are giving a security Interest In the Vehicle being purchased. iii Late Charge: "Xou will be charged 2% per month on the amount of the peyment In arrears by more than 10 days. Prepayment: If you' pay aff this Contract eariy, you 0 may ~ will nat have 10 pay a penalty. Contract Provisions: You can see your Conlract documenls for any additional Information about nonpaymen~ default, any required repayment before the scheduled dale, and prepayment refunds and penalties. , s 13030.08 TOTAL SALE PRICE The total cost of your purchase on credit, including your down payment of S 1000,00 $ 14030.08 When Paymenls Are Oue " you do not meet your Contract obligations, you may lose your house, the property that you bought with this loan, or household goods and furniture, your motor vehicle, or money In your account with us, .' CREDiT iNSURANCE: Credit life Insurance and credit disability ITEMIZATION OF AMOUNT RNJ'CEO '; . ' Insurance are not required to obtain credit. Credit life Insurance and Vehicle I ~r S ro059,86 aedlt disability Insurance will not be provided unless you sign and (Including accessori9li, delivery, services, ' ...,.., ,,' agree to pay the additional cost, .. , 568 86 and sales tax of S " Extended Service Contract CREDIT LIFE: It/A. It/A. For First Buyer For Second Buyer For Boln R.,UArA S N/A .._, _ Cash Prfca.l.s.-..tnMCl..AI\ 'r, c..,.---- Premium: $ -NTA- For First Buyer For Second Buyer For BOlh Buyers CREDIT DISABIUTY: HI 4. tt/A H/4. Premium: $ '-. Cash Down Paymenl $ Manufacture~s Rebate $ Description of Trade-In 1000.00 HIA For First Buyer For SecOnd Buyer FO~.BoU~,~ye!'l ,~ Trade-In $ Less: Amount Owing $ (peid by Seiler) ..,. . N\et,TrBp,~IIl, ;':: ''':,' ; f , .,' , Seiler:', r By: I"AD'C.ST"~ D~""",,",n ,( /11f.L(R..)JJI~ Signature .. White. OrigInal \ Canary Copy. Seller I Assignee's Copy oN/A '. . NfA ,'., ~', Preniiun1i $ ~ ".., A'" Insurance Company and Home Office Address: , " ':;' ::':::.1, . ..., " ..It,' . Sont .~~. C'radJt~raoce.:. .' ;.' ~,'. "1' .' ,.,... :'.' '':..... ,'. edAbaV8:'~'T !:' , Fimt Buyer Second Buyer PROPERTY INSURANCE: You are required by ua to Insure the VehIcle securing thla Contract, You shall have the option of furnlah/ng the required Insurance either through existing pOliCies ,of Inaurance owned or controlled by you or procuring and furnlahlng the equivalent Insurance Coverage through any '/naurance company authorized to tranaact business In PennaYlvanla. Inaurance covering rIsks of: 11 loaa or lIablJ/ty ", related to the Vehicle, 2) the use of the VehIcle, 3) goods or ' :' aervlcea related to the Vehicle, 4) mechanical breakdowna, or a ' ailrv/ce contract or warranty la oplfona' and not InclUded unlesa ' oIMcked and Indicated below, ' ' UABILITY INSURANCE: Uablllty Insurance covemge for bodily Inlury and property damage caused to others Is not Inoluded In th a ~ntract unless ChecKed and Indicated below, . If you' get !he Insurance from or !hrough Us; you will pay $ for of coverage, The Vehicle insurance premium Is calculated as follows: o fl~ Theft and Combined Add'I, Coverage $ 'II I . , 0 $, "'II I. ' DeductJble Comprehensive Cov.$ 'III. 0$ " I · DeductJble Collls/on Coverage $ 'II I A 0..'.1. $ 'III. < 0 .': .1. $ 'III. o A charge for an Extended Service Contract is added to Ihis Contract. The Extended Service Contract sold or provided by us is: Covera e: for Term: ASSIGNMENT: This Contract and Security Agreement Is Igned 10 CONSUMER PORTFOLIO SERVICES, INC., 2 ADA. IRVINE. CA 9261e 800~Jil58t Lll:'ll\;t; S ~~n~~~ ~t:GR~S'W" .0 1PG4 awq,. Syal",1nc.. s!- ~ MN I1-1OO-3gN~3.'1 Form RS.SloMV.p" .5I27m. .. \oJ :,. ~ ~':"P<r~_ _ '-'- NIl. NIA l " ,.,. ,..+......).$~ . . Is Is $ 'l: $ $ $ $ $ :II ilIA , Down Payment Unpaid Balance of Caah Price '", (Cash Price less Down 'Payment) Pald 10 Public Officials '.. ' -.l'~dp.rcp~I1Y.;~u~Q.o.lJ!PlIll)(j,~,; , Paid to Credit Ufe Insurance ,Company .,' ", ' Pald to Credit DIsability Insurance Company Filing Fee' " , To: DOC lEE To: 1000.00 9059.86 73;50 .~A :' . .... . .'~f'" N/A ' NIA', , 40.00 filA Other Charges I (inclUding Amounts Paid 10 OIhero on Your Behalf) $ 113. 50 (Less) Prepaid Finance Charges $ NI A , . Amount Rnanced I (UnpaJd Balance of Cash Price plus O!her Charges) $ '91 71.36 ' Ycu agree to the lerms on page 1 and page ~ of !hIs Contract. , NOTICE TO BUYER DO NOT SIGN THIS CONTRACT IN BLANK. '" , YOU ARE ENTITLED TO AN EXACT COpy OF THE CONTRACT YOU SIGN, " KEEP IT TO PR9TE.fT YOUR ,GA Buyer: X cIwl,. ' .. SIgnature: Signature: Date Goldenrod. Seller's Copy MOTOR VEH'CLE (pag., or 2) ..-.- ADDITIONAL TERMS OF THE CONTRACT AND SECURITY AGREEMENT GENERAL TERMS: As used In this document, Contract Includes the terms of the Contract and Security Agreement, You have been given an opportunity to purchase the Vehicle andlor services described on page 1 of this Contract for the cash price or the total sale price, The total sale price Is the total prica of Ihe Vehlcla andlor servlcea If you buy It over time, The lotal sale price shown In the TRUTH IN 1.ENDING DISCLOSURES Is based on the assumption that all payments will be mede as scheduled; You agree to buy this property andlor services 'rom ua at Ihe actual totel sale price according to the terms of this Contract, You agree thla Contract will be govemed by the law of the State of Pennsylvania. You agree thai we have not made any oral werrantles or promlsea regarding the property, This Contract takes effect when signed by you, If any part of this Contract cannot be enforced, this fact will not affect the remaining terms. WARRANTY: Vehicle warranty Information Is supptled to you separatelv, PREPAYMENT: You may prepay' this Contract In part or In full at any time, Any partial paYl)'1ent w,lI not excuse any Ialer scheduled payments unlll you pay In full, OWNERSHIP AND DUTIES TOWARD PROPERTY: By giving us a security Interest In the Vehicle, you represent and agree to Ihe fOllowing, A. You will defend this property against any claim made by anyone else, You will do whatever Is necessary to keep our claIm to the Vehicle ahead 01 the claim of anyone else. B, The security Interest you are giving us In this Vehicle comes ahead of the claim 0 any othar of your general or secured creditors, You have signed or Immediately will sign any additional documents or provide us with any additional Information we may requlra to keep our claim 10 the Vehicle ahead of the claim of anyone else. You will not do anything to change our Interest In the Vehicle, C, You will keep the Vehicle In your possession In good condition and repair. You will use the Vehicle only for the lawful purposes for which It was Intended. Unless otherwise agreed In writing, the Vehicle will be located at your address listed on page 1 of this Contract. D, You will not attempt to sell the Vehicle (unless It Is Inventory and Identified as such) or otherwise transler any rights In this properlY to anyone else, without our prior written consent, E. You will pay all taxes and assessments on the Vehicle as they becom& due. F, You will notlly us of any loss or damage to the Vehicle, You will provide us reasoneble access 10 the Vehlcla lor the purpose of ,nspectlon. Our entry and Inspection must be accomplished In a lawful manner and without breaching the peace, . G. You will endorse the certificate of title to this Vehicle, If any, to show the security Interest we have In this Vehicle, , DEFAULT: You will be ,n default on this Contract if anyone or more of the fOllowing occurs (except as prohlbilsd by law), A, You lallto make a payment under this Contract when due. B. You lall to pay any taxes levied against the Property securing this Contract, C, You lail to lurnlsh proof of payment 01 any t!lxes levied against the ProperlY securing th,s Contract. D. You use the Property secunng this Contract for any Illegal purposes, If you default, you agree to pay court costs we Incur to collect this Contract as well as attomeys' fees If we reler this Contract for collection to an attomey, If an event of default occurs as to anyone of you, we may exercise our remedies against any or all 01 you, REMEDIES: If you are in default on this Contract, we have all 01 the remedies provided by law and this Conlract. A, We mey reqUire you to Immediately pay us the remaining unpaid balance 01 the amount tlnanced, finance charges, less ,. ..,. . .. .. . ....... " REINSTATEMENT: If the Vehicle has been repossessed or taken Ihrough legal action, we may relnatate Ihe Contract and retum the Vehicle 10 you, The Contract will be reinstated If you pay all past due Installments, accrued default, plus any other amount laWfully due under the Contract. In addition, you agree to pay lor the costs of suit If we retake the Vehicle through legal action, If default has existed for more than 15 days at the time of repossession, Ihe expenses for retaking, repelrlng, and storing the Vehicle as authorized by law must elso be pa,o by you, . NOTICE OF PROPOSED INSURANCE: You take notice that group credit life Insurance coverage and/or group credit accident and health Insurance coverage win be applicable to this Contract If so marked on page 1 of this Contract, Group credit life Insurance coverage and/or group credit accident and health Insurance coverage will be written by the Insurance compeny nemed, This Insurance, subject to acceptance by the Insurer, covers only the person signing the request for such Insurance (or each person signing the request forlolnt credit life InsuranCej' The amount of charge is Indicated for each type of cred t Insurance to be purchased. The term of insurance will commence as 01 the date the Indebtedness Is Incurred and will expire on the originally scheduled maturtty date of the Indebtedness, Subject to acceptance by the Insurer and within 30 da~s, there will be delivered to us a certificate of Insurance more lully describing the Insurance, In the event of prepayment of the Indebtedness, a refund of Insurance charges will be made when due. INSURANCE: You agree to buy Insurance on the Vehicle against the risks and for the amounts we require, You will name us as loss payee on any such poliCY. We may require added security on this Contract if you agree that Insurance proceeds may be used to repair or replace the Vehicle. You agree thetlf the Insurance proceeds do not cover the amounts you sllll owe us, you will pay the difference. You will buy the Insurance from a firm authorizec:l to do business In Pennsylvania. You will keep the Insurance until this Contract Is paid In lull. If you fail to obtain or maintain this Insurance, we may obtain Insurance to protect our Interest In the Vehicle. If you fall to name us as loss payee, we may obtain Insurance to protect our Interest In Ihe VehIcle, We will notllv you If we do so. The cost of such insurance will be added to the amount you owe us, The cost will be Immediately due. The cost will accrue Interest at the highest lawful contract rate, until paid In full. WAIVER: You give up your rights (to the extent permitted by law) to require us to Clo certain thlnge, You will not require us to: (1) demand payment of amounts due; (2) give notice that amounts due have not been paid; (3) give notice that we are making the Contract Immediately due, OBLIGATIONS INDEPENDENT: Each person who signs this Contract agrees to pay this Contract according to its terms, This means the 101l0wlng, A. You must pay this Contract even II someone else has signed It. B. We may release any co-signer or guarantor and you will stili be obligated to pay the Contract. C, We may release any security and you will stili be obligated to pay the Contract. D. If we give up any of our rights, It will not affect your duty to pay thiS Contract. E. If we extend new credit or renew this Contract, It will not affect your duty to pay this Contract. THIRD PARTY AGREEMENT By signing below you agree to give us a security Imerestln the Vehicle described on page 1. You also agree to be bound by the terms of this Contract, Including the WAIVER section above, EXCEPT that you will not be liable for the payments It requires. You agree that we may renew, extend, or change this r.nntrAr.t Vnll RICIn AntAR thA' WA mAV rAIAAAA anv DArtv or ''''',.,.}' any rBruna reqUlreo oy lawl ana 8U alner Hgttn,U cnarges. B, We may pay taxes, assessments, or olher liens or make repairs 10 Ihe Vehicle If you have not done so. We are nol required 10 do so, Any amount we pay will be added 10 Iho amount you owe us, will be Immedlately due, and will eam Inlerestlrom Iho date paid at the highest lawful contract rate permitted by law until paid In full, C, We may Immediately take possession of the Vehicle by legal process or self.help, but In doing so we may not Nam. . breach the peace or unlaWfully enter onto your premises, . We may then sell tho Vehicle and apply what we receive as provided by law to our reasonable expenses and then FTC NOTICES: ANY HOLDER OF THIS CONSUMER CREDIT toward your secured obligations, CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES D, We may be entitled 10 a deficiency Judgment against you If WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER ~~a~~;~~e:e ~~~:x~~t ~h~~tt~~I~Il~~ ~yel:~~,enses and, OF GOODS OR SERVICES OBT~INED PURSUANT HERETO DR By choosing anyone or more of these remedies, we do not WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY walve our right to later use another remedy, By decldlng not to THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE use any rem8dy, we do not give up our right to consider the event DEBTOR HEREUNDER. ad~~u~:~h#fltTr":~g~~tiCe Is required to be given 10 you of the IF YOU ARE BUYING A USED VEHICLE.,THE INFORMATION Intended sale or disposition of Ihe Vehicle, this notice will be YOU SEE ON THE WINDOW FORM FOR T"IS VEHICLE IS PART oonsIdered reasonable If sent by mall to your last known address. as OF THIS CONTRACT. INFORMATION ON THE WINDOW FORM reflected In our records, at least 10 days before Ihe ~ate of the OVERRIDES ANY CONTRARY PROVISIONS IN THE CONTRACT 1ntended disposition (or such oll1er period 01 time as Is reqUired by law), OF SALE. ASSIGNMENT BY SELLER Seller sells and assigns II1ls Retail Installment Contract and Security Agreement on veiiicj9"without riiiiiasiiig yoiiiicl';; thlsConiracl: We'may iake these steps without notice or demand upon you, You acknowledge receipt 01 a completed copy ollhls Contract and Security Agreement. x Dal. '. to ,the Assignee, lis successors and assigns, all its rights, lItle and interest in this Contract and Security Agreement, and any guarantee executed In connectlon with II1ls Contract and Security Agreement. THIS ASSIGNMENT IS MADE: 0 UNDER THE TERMS OF A SEPARATE AGREEMENT. 0 PURSUANT TO THE FOLLOWING TERMS, Seller gives Assignee lull power, elll1er In its own name or In Selle(s name, to take all legal or other actions which Seller could have taken unaer II1ls Contract. Seller warrants: A. This Contract represents a sale bl1 Seller to Buyer on a time price basis and not on a cash basis; B. The statements contained In this Contract are tNe and correct; C, The down payment was made by the Buyer In the manner stated on page 1 of this Contract and no part of the down payment was loaned or paid to lI1e Buyer by Seller or Selle(s representatives; D. This sale was completed In accordance with all applicable federal and state laws and regulations; E. This Contract Is valid and enforceable In accordance with Its terms; F, The names and signatures on this Contract are not forged, fictitious or assumed. and are true and correct; G, This Contract Is not subiecl to any claims or defenses on the part of the Buyer; H, A completely filled.ln copy of this Contract was delivered to the Buyer at the time of execution; and I, The Vehicle has been delivered to the Buyer In good condlUon and has been accepted by Buyer. If any of lI1ese warranties Is breached or untrue, Seter will, upon Assignee's demand, pulChase II1Is Contracl from AssIgnee, The purchase shall be In cash In lI1e amount of li1e unpaid balance (Indudlng Interest) plus the cost and expenses of Assignee, Including attorneys' fees. Seller willlndemnllv Assignee for any loss sustained by II bocause of judicial set-off or as the resull of a recovery made agalnst Assignee as a resull of a claim or defense Buyer has against Seller, Seller waives notice of the acceptance of this assignment. notice of non-payment or non-performance and notice of any other remedies available to Assignee, Assignee may, without notice to Seller, and without affecting the liability of Seller under this assignment. compound or release any rights against. and grant extensions of time for payment to be made, to Buyer and any olher person obligated under this Contract. UNLESS INDICATED BY CHECKING THE BOX BELOW. THIS ASSIGNMENT IS WITHOUT RECOURSE. o WITH RECOURSE: Seller agrees that If the Buyer defaults on any obligation of payment or performance under this Contract and Secuil\y'Agreement, Sellar-will, upon demand, repurchase this Contract and Security Agreement for the amount of the unpaid balance, Including IInance char.g!,s, due at that time. SelIee.LANCASTER PRE.OWIIEO By~ f/1VI,Q.. }j JlJt~ Title: f/rntrAfJw ....::::, o 1~ SaM.... S)'I'erM, Inc.. St. CSoud, MN t'~~7'230 ....rm RS.SloMV.PA 5I2ol.'PG s, ---- ..~ (POr/O 2 0/2} "t~~..~ -_(j........~f4t=.... '" r .....~Ial.............:JeT r.llWt.ia. . ..,tZIIt\ ..;:t-~-.:..._1ftIo.~ ' ...4J'::.!IIT''(' :- r ~~_.u..:...r ..._.,..,.,. J:,~ .DEP...RTIoi'ENTO'P"TRANSPORTATION I , C'l" C:.E~T.I FIC~~EOF,.~:TiTLE: FOR A''(EHICLE ~ ':' :';:<"'j"';' < ":~.~,~'~,>,.: ,,'0,;: ' 9lf10200S200'3631_00J",":~' '~<;'> JACCG~:,.:.:~,~~.~:~~ ,~: I ISU:~o,yo~cu : I 4n:~:~"~,:01 CH 00..,,,,, ""~; I.. MATc.<' ,/ ""-"'''''''10"', / , "W', I ~cw.... I !In......o. 4/20/94'''' I :; NJ":; ~i /',; 1f/20/9lf I p07.~'~ill_ : .:~ O.:.;;:~,.__ "!,''''''su~';':, "';;".;'no;;'.;;i'", ;"cioo..',Ooc:''';" .. "'""',....... . ":OOO"ITATUI . ' """i';',. ',-, "',' ,;,':.... ".....'....~~..,.".~ OOO...TIIt:sTATtJ..... I'~ . ,~:,7','J :~.'.;.',;J,.:....._;:j.r4.t...':-.Itt...l.l-: ~""'tt- ", "...,..',...'. ~ e; _, '.....,.',. ... ,"!H' ., ,'->"", \.. .,'.' ~, ",. , ~.' .-" '.':.~. '.'." ":'. ~~ .~.' ':', :,....' 1:":. ".,;cnw."",,<<w,'. .:' I::-~, 't C .. '.M , '.i... ;'. . l.loIa..UGIDCllot'"'.~ . .-;"-, .,' -.',; ~~;:., '. '\', .i':""< i"...=~~.....t,';Jl:" '., '~'~-:;-.:.'~' J'~IC)TH~:COOuI1U . ,...' ."..lIJ-.fQvt.....o:' .:...',1.. '..':... ......WTPROWODOI4,..~ If/20/94 D4ra ItA rm.to ~ ,,..., - - CATALINA H CHARLES 2blfl LITITZ PIKE LANCASTER PA 11601 , "..'...V.':EO. " ~; r.: ' " ~~..,~..,CE -., .. . '--- sEi1t"'cff997--- , . \ c - Albany Af\4. n . I I I .' , nTl.Il~S.. ~:== J,~". ~. 0lIf0l'CCtM1'RY t.'.'. ..,Q-~..QQ.l'Wl ,. ""-"'<>0 ' ".IoOIlCu.~\/IHCL1 ~ ~:=::~~ ". ::~~.t"-:.".,;... "-"COIIIM:D"*nvocu V-\/IJ1Cl.1CCfrlb.lNSM!SIuICWt x..'C"...."VAD...1 LEBANON VALLEY NATL BANK Sl:C~UI!H'MoO:l"Q': J.- . -_...'-~._., .. , ,.. ,.,1.: . I ~. " · .. second IieMolrW .. I-.:t. 1.00I'I llliIIKtlon 01 !hi lint Ibn, lhe.... IIInhoIcMtnlUltron.ltdthilTiI..rouo.lbIi'UolMotor\W\lr::llt.~ ~tebm."u..., . .. ',.-.;J'''4''~,: " I . ." , .....1'''.. .. SlCOfoGI.2HAfLV.!m 155lf56 LEBANON VALLEY NATL BANK 555 WILLOW ST LEBANON PA 170lfb DAn! .........4....:., ......... _:- _, . 'II"/: -'. , . ...UI~iaAl:PRu.u.tA'lYi "'\, , , '~ f ,- HOWARD YERUSALIM 1~"ollhlda""ot.....t/'liIOtnc.r~'o-tt;~,;.;:.;.~.~..~.. '," ... ~ <<T'II'lIOof"IiorI~thall"',*SC"I'IOl'~nMoect.....",.....ItwI'\llOiorfW" '. oflheUd~ . .' ~~0 '. "~ ~ ?L ~ "" -. '-\J ~ u.. ,,~~ ~ ?D ~~l .t) ,~,) ( :':".1 .' I , -., I , I -1'1 .", 1 -:~;J " " I ':1 c"', t.:: r , , , '~l (:) ~ '.! C .1 " -:~J ;;. u) ~ (1 , ::? (5 rn , " , I :':1 ~; ,I _4~ (T'\ ::~j .< ~ ']' 0~ !}; <J', '-" ~ ~~ .1 ~ ! ~ ~ I\~ n II} "I". i\ ~.<~. '/ : I, Ii I.. Ii, ..' I' I' " :' , ~.e~ \ . ~ '"CIIU';!IT', i"I:i'UI-,:; l:Li.ULi\l\ CASE NO: 199D-0071: r COMMONWEAL TII OF r'Ulll~:Yl, V ,\11:1,\: COUNTY OF '~UtlfJt:f\LMll' AUTOFI~ANCE GROUP I~C VS. SMALLWOOD MICIJAEL D ET II.h____ Tl110THY REITZ , Sheriff or ("2puti' Sh'?riff of CUMBERLAND County. Penn8ylv~n~n, who Doing duly sworn uccording to law. says, the within COMPLAINT - REPLEVIN upon SMALLWOOD MICHAEL n defendant. at 1251 :(1)0 HOURS. on the 9t,D. d"y I)f F'?J<,Lual'Y 1998 at 146 DAUPHIN STREET #IC ENOLA. PA 17025 WoO st':"r'lf!d the . CUl1BERLAND County, Pennsylvani", by handing to LOrn A. ItETTIG PEflSDtI III CHARGE AT TIME OF SERVICE a true and attested copy of I.h," COMPLAINT - REPLEYIII and at the samt::? time dirt.2r.:::t.ing lh?I- attention to the contents Ull?I-..~of. Sheriff's Costs: Docketing Service Affidavit Surcharge So anSWer8: l{'" ',r",.'-;:" ,,,," . '''-:''-:,:,-,.,,'-' . -, .-.,. ~ 18,00 9.30 . (')0 5.00 B. I hOnlas hl.lnc-. Stle['l,l1. S.j,j. ..Jl.:) JAtlES 51111"11 ,; DURI';UI 7/----- 02!10/~:"/~ .7-./!/y ._-~"" oher Sworn and subGcrib~d this _dO day of _ 193L_ .I,D. gN?U) ~, , f1: r/_ -/;'-- ,,; c>' ,lull(' ea1 y~-"- 1':1 I , ! ,~ , ~, "" , , , '" '" IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA AUTOFINANCE GROUP, INC. NO.: CIVIL DIVISION Plainti fT, No.: 9l:l-71'- vs. ISSUE NO.: TYPE OF PLEADING MICHAEL D. SMALLWOOD and LORI A. RETTIG, Defendant. PRAECIPE FOR WRIT OF POSSESSION CODE: Filed on Behalfof PlaintifT: AUTO FINANCE GROUP, INC. Counsel of Record for this Party: Scott A. Dietlerick, Esq. Pa. !.D. #55650 JAMES, SMITH, DURKIN & CONNELLY Finn #_ 134 Site Avenue Hummelstown, PA 17033 (717) 533-3280 14 /~~ ~~ ~ ~ - ~-t::- o .,~ T~ ~1 :";l I -..I ~ ~- Uj ~. ~ ~~ ~ ~ (', ~ .~. i. ~ -:J ~'{ifQ --lm ":10 " J... :::!~ "'1'. :\:d ~;. (") ." . ~ rO 1':' :::J1 .. =t; ~ ~ 0..0 :n n r-,; '"l?L,:: f"f,. ~::; f!'~ ~, :,.~", -,-"." <:..N ~ ~ \" ~~~~~ . c..... ~ r:! ......... 'Z \:r"} -:::-:(, ~..' ~;; ~'1 -<. .- , I :; ~ ~ :~~ r $ ~.. ~ ~ j ~~~ ~~ ~ ?" ~i .5 I .: I . I ~ . . t': )ii : .,! I , _I L...I I _ ..I ~' .-' E.~ c '1" = I l.tJ =.1 W ~: .. '"A: E ~, : ~ . I I I .,--0 I , , , I , . ~~ .i~i ~:ti~ ;; .t'" t/l =-.1 r1' :.JQt .~. ; .... J n .., ?- ~ - > :; ~ :! - ~ ~ ~ ;< 3: .... o ::r QI ro I-' l:l -0 rn ~-:. C' ?~ ":. ,. "'1 O;"r.: .1,1':\1 ::i', ., < :~ (rt' .'w :~~nl ,.", By virtue oi tlu., .....nt, on :h~ _____________________d:ly ,){ ________....___..________...___.....___....__. l~___...._ C:1.used :h~ \vit.~in na:ned ........________..____________..______..._______..._____________---..---------------. :" h:1.:~ ?Oue,51ion or ,hr ?rtm1i$~ cif:'SC.ibed ".,i:11 :he .lppur:l!:,:anCl:lO. .\nd ------...-----------------...--------..----.. - .. a ~ -::: ?~ - - ~::: '. l/l 3 QI I-' I-' ~ o o p. --' (J';:. ..- "" -<:. :;:-\"1. ..... ~. - .c:;. ~ ~ c.b ~Q:l R. Thomas Kline, Sheriff, who being du1X__f!.~9.~!)__':!f_<;:9F..c;U.r19__t.;9n1SlJt'n.__. ------...---------------..-----------------..---------....----_..--- , , , I 1" .... - - ~;;j ~~ -~ :.., ~ " - ;; z ~ ~ i" > ~ r1' o HI .... ::l QI ::l o ro (;) 11 o ~ '0 -- ;';z :;; ;~ :':'!= := ." - - :.....;.: -::: ~" :~ ~- ==:;; z_-: - "" .-:- :: '" .;- ..-. - z- zz :/l- -0::0: - - . ." ~;;.. ::;..:.r. 2 ~". :: says this writ is returned STAYED, per instructions from the attorney. ------------------...-----------------------..-------.--------------------------------------------------. .... -:,t .:,.. , , , , I I ,....., l : : :....., I ......, I ,,;.. l!' " j ,-.--- . 10' ~CD ;0 :0 H .::l o . ------------------------..----------------------..--.---------------------------------------------- Sheriff I s Cos ts: ______nn__nn______.__n____nnn .__, Dock E!fiiig -"" --.--- -. ---- --- -- :sTs: -66- n - - --.... n - -.- ---. . County 1.00 Surcharge 6.00 Poundage .50 $25.50 S\\oJl':~ .,nd ~ub:c:H~~d :.:1 :'~iorr: x~ :iu~ _.:2_~____.4_..__ d~) ~i ____~---..---.--~----.-------. ;~.51.r_. ._---~~--~~._~~_._..._---_..._---" P:"f)thvnO[;1ry r-, '~:;:J C;:i-.;\ --, """"'\J"U ,..-., ..--- I.;:i:i~) .-.., .".1"'-' "f w- , ," ,\0 '0:> : I '-.I ;..... ,l\.l , :n '.... :<: ,.... ,I-' ,,' .~ ,,' ..~ - , , , , . .::fl, .\lb'.l'C;~. .. :. , ,.... ..,~._-;"..-(,. ,1.-..';/ p.~'''''';,; ,...r ".;;:.... "'1Jo"'::;'~:f.. ;.<< --"' ~ 'J ~ ..,....;...---,...~. .', ..._. ------------- -_....._------_._-_._._--_.~~ ------ ~her:if :;': q<;:f~':.I..Sm-l.t.l-'------------n.------------ I · l)~?u:y r:J'-! '1'f>-' ' ).0 1_ " ItJllrw.,)mi~ WRrrOFPOSSESSIO~ (EjectmentProeeedingsPRCP 3160.3165 ete) Autofinance Group, Inc. [:-I THE COL'RT OF CO~I~[O:-l ?LEAS OF Ct'~lBERL\~D COL"),"TY, PE""SYL \'A~r.~ 98-712 Civil ________._______________________ Tern1 19______ ~-----------------------------------------_. ~f), ~------------------------------------------. \'5. I , ="0. -------------------------------- T~rm 19______ Com Michael D. Smallwood .-\r:'y. 114.80 _______________________________ S__._____.___ ------------;..------------------------------- '! 546 Dauphin st., HIC r ____~_~:_:___PA___:_~~_25__________________ j J Pl'ff .. ;'1 _____________________________ :S____________ 1.00 P~:h,. _._______________.____________ S_________.__ --------------------------------------------------- --------------------------------------------------- CO~DIONWEAl.TH OF PE,,':-/SYLV.-\..'HA: COL":-ITY OF CC)'1BER:I.A:\'D: To the Sheriff oi ____________~~_~~_~~~_~~_~________ Coun,,', Penn,l. (!) To satisiy the judgment for possession in :i:e .lbo...e mol::er ':ou ,lre directed :0 deliver possession cot the following de><:ribed property .:0: . . Autofinance Group, Inc. ------------------------------------------------------------------------------------.----------------- ------------------------------------------------------------------------------------------ P!:Lintiif (s', being: '. Premises as ioUows) : 1993 Isuzu Amigo vehicle VIN JACCG07E9P9801539 (2) To SOIt'.siy tile rons 3.g:Unst the de!end:wt (s', )'OU :ue directed to :ev,/ \1pon my ?ropertj' of me deien. dant '.'l .lIld seH his hor (or their) interest ~"ere;n. Curtis R. Long .--- --- ----- ---------- ------ -----------------------. Da:e ____.__~p..::~_~_7_~__~~.?_~_________ \:SE.\L) Prot)1onOto'1"f. co>m:J' ~P """ Cout": oi Cumbdand . ", '~:~~f - --- ~--