HomeMy WebLinkAbout98-02213
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collectively referred to as "Defendants", are individuals whose last known address Is at
1042 Avon Drive, Shlppensburg, PA 17257.
3, On or about December 2, 1994, Purchaser and her husband Jack 0,
O'Donnell, now deceased, bought a 1995 Giles Kentuckian Manufactured Home, Serial
Number GI 13012, (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, At the time of his death, Jack 0, O'Donnell's Interest In the mobile home
passed by operation of law to his wife Edna G, O'Donnell, the Purchaser,
6, 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 its exact
whereabouts are uncertain,
7, Purchaser defaulted under the terms of the Security Agreement by failing to
make payments when due, As of April 1 0, 199B, thePurchaser's payments of interest and
2
10
Penns ' PI€lintift
'YIII€lni€l I. €llIers tl}
qw it is n qt IIn'"
oW, "'ar tl}
entItled,. a ter".,
11 <01/1)"., "/S Of
' 'h .. ""'1"1, Ih, 8
' Soo""" 1>o"'SSI, 'c",,, .
" P .."'''''' , Of "Ia .'"
IIrcl}qS " ""'" ""bile L "a
er W'I "'as lJ.. '70".,
"'lie" ,'II p'y I "'11, Ih, ..,.
S qSslf)ne 'lJe ra€lso ellent Of
'''Ch 'eo ' ", P"'''' "ble .. a"'''11
Co Sl}qll nOt ed tl}€lt Prio or/layS fe '
,,~ eo"s . """.. 'So 'I,c",,,,,, " 'I ..,
C",~ I,c" 'ki al.."""" ,00: '''%''IOf,'' " Of
""bile L ',," by "'I, '''', "a ".1.%,
'70lr/e ' er Or Of
resall.' InCllle,/: Seller'
Ing tl}e Ing tl}e S €lSSi
410bile L, COSts '9nee to Ii
'70lr/a, Of Starin oreCIose
'9, reCOneti!' , on tl}e
<lOnln,.,
~ qnd
C,
.~.,
Principill
in tl} were In €lrre
e SeC/Jrity ilrs in tl}e
"loree/I) iI/I)Ollnt
ent the "'lr/o Of $SS?J1
· "" '''I. ' p"""
lhe.. · PI'~llhp """100 " '" I, lhe.
" 0 It, 1;."" "''''.. P" ".MIIO CooI",IIo,
."" Is ...c"'" , · I,"" "a c 'ch.s" 'WI. /h ' I... I, S2, 1 C/,,,,,
hereto orreCt cO'/J Irty (30) '" , 10. 35
" <", "Of," "'Ys, ' ,
.1(, libit "c I, fie nOtif' Otlce Of '
' "e Of ' Inte
P",," """ " "I, "P
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'cu" 'he a" /h. """""
€llIlt Or ret
IIrn tha
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olr/e IIpo
n/Jlqintitrs
B.
etel7]qnct.
b,
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e '/10
€Ink Of 'fetert
P "ll7]eri 0 bring
. Dyer C€I, f:SS I., tl}is €JCti
' 'V~s r. On 8
eqllired to €lnkA,l7]eric
retp' €I L,
"In i:Jn '70llsin
€lttorney '9 Serllica
find did s, iI Di ' ,
So ratqin II/S/On Of
"lttorna
'Y l2rin
Wf.;l2'?12
"ll7]eric f:O'?12
€I, f:SS ' PloNlltift
' raqllaSts' 'S€lnk"l"."
' "'arIC€I It.
OIlSin/} So
arllica
s, iI Dilli '
sIan Of e
li1nk Of
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a) Judgment against Defendants to recover the Mobile Home, b) judgment against
Purohaser for detention damages, special damages consisting of inter a/ifl, detaohing 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 c) In the evont PI<lintiff repossesses
said Mobile Home and resells or otherwise disposes of said Mobile Home, a deficiency
judgment against Purchaser In an amount to be determined by the Court upon petition of
Plaintiff, which amount shall be equal to the difference between the amollnt owed pursuant
to the said Security Agreement plus the damages set forth In paragraph (a) above and the
amount recovered by Plaintlfffrom the resale or other disposition of the said Mobile, Home,
less expenses,
COUNT II . DAMAGES
By way of separate and alternative pleading, Plaintiff, BankAmerlca Housing
Services, a Division of Bank of America, FSB, alleges the following:
13, Paragraphs 1 through 12 of this Complaint are incorporated herein by
reference as though fully set forth,
14, This Count is brought In the alternative to the relief sought in Count I,
WHEREFORE, Plaintiff, BankAmerioa Housing Services, a Division of Bank of
America, FSB, requests:
a) judgment against Purchaser in the amount of $22, 17B,35 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
4
ENNSYLVANIA
IETAIL INSTALLMENT CONTRACT
nd SECURITY AGREEMENT
UVEAIS):
JACK 0 O'DONNELL
EDNA G O'DONNELL
NlA"
10AISS:
NAMe:
NAM"
NAMa:
NAMt:
1042 AVON CROVE:
CIN
MH FIXED RATE CONTRACT
'.F9A ,LOIIN PIAN;-ro~l
'o'fle~ , OFFICI NUMelA, 7 9 07 5
yse' OtALGANO, 750191
'ONLY' IICCNT NO,__
--
COU~/TY.ctJMB ERLAND
SHIPPENSBURG IUTI,:tiL 1",1725"1
ulc.\sI201.T8.8950 209'26'9974
SHIPPENSBURG. PA 17257
'tlotle:
10POII0LoelITlOJlOF MANUFAcrUAlO HOMI, 1042 II VON DROVE
" 'm.' or 'u.' mlln' ,II olt.on, who ,ion Ihl, o.nl,.ot II buv.r or ..,.buV"" Jointlv ,nd 11'1.,,11'1, ,nd 'vou' or ''lour' mlln, the IIIIIt and
'v ...Ign.., Thl. .0nl".1 will b. .ubmill.d to th. Creditor indi.at,d b.low, .1 I 1...1 oHlc., .nd II ,pprov.d. il will b. .uign,d to Ih.t
"dlto" On Ih. d.t. ,.1 Ihl. ..nl"ct, I buV f,.m '1'U on I credit ul. b..I. th. mlnuflctured hom. du.,lb.d b.low. togllher with
1'''llhl"UI. eQulpm.nt, I"plllng.. Ind loo...orl.. Inolud.d In ,.,. m'nufflct\lred "om. It thl lime of ,urch... (o.Utd IM.nut.ctur.d Hom.').
AEDITOA: SECURITY 1'ACIFIC HOUSING SERVICES, A DIVISION Of BANK OF AMERICA. FSB
Ollorlpllon 01"
M,nul'Olured
HOMIl
TAAOI NAMI,
GILES
V....A' 95
GI 130~2
MODEL KENTUCKI~1
NIW'~ US,O,_ ' - lEN01~; 80
It, WIOT~;..l.!-_"
NRIAl
NUMIIA,;
ADDITIONAL
ACCESSORIES
ANO FURNIS~INGS:
r--, ITEM I '
STEPS
SKIRTING -
STOVE
~-, "RIAL "UMIIR I
-
C..::J ITiM C:=J L~ SERIAL "UMSER I
REFRIGERATOR
ROMISE TO PAY: I prom,.. to plV 'IOU tho U"p,id B,II"o, .how" i" (lit'" 51 w,'h inler..tlt Ih. rell of,
12.50 ,"per
.., untllth. d.bt i. fullv paid, I'll PIV this Imount I" 1"""II,,,"n" .. .nown 'n th. p,ymont sch.dul., Each monthly POV"'""\ will b, Ippli,d II
fits Ic"',dul.d due datt. It no int.r..t fit. is dl~clo5.d :abov.. the intern' rite it (i'le Ar\nycl Percantag. !=14ft .hQWrt b.low.
ANNUAL
PERCENTAGE
RATE
FINANCE CHARGE
Amount Financ.d
Th. co.t of MY e'Cldit II
. .,...rtv tit.:
Th, dollar .mount Ihe
cr.dh will COlt mt:
T.....mount 01 c:r.dll
provid.d fO me or on
mv blhlll:
12,50 ,.
S 39,106.00
$22.646,00
5.. "'
St. CCI""'cl1,rml for 4~ditionlt inform.tion
aboul "onllilym,rll. d,f.uh. !WQuired
rep.vm.",t il'l full b,Iorw lh, .ohedulld
dltl, ,nd prep,v",.". "futlal end
Pln,Ill.,
Pt'.p.vm.n~ If I plV off ..,lV, IlMlI not
h.". 10 PlY' Pf".lty, but I will nOI b.
,nUlled to , Mfllnd of th. Prep.ld FI",ncI
C~",", II 10'1,
S'CloIrlty; I gill' VOU , uC:U,irv int.,..t In: ..K. "" goods Of property being purtl'l<1$Cld,
Mv
pevml"t
i.~~d,~I.
will be:,
Number of ArnOUtlt of
P,vm.nt. Paymtntl
240 S 257 .30
$ ,00
'0- $ ,00
S .00
l..IM Cher.e: '" ".ymlml. mo,. than -!1 dAVlI.,., I lJofill be cnltg.d
S 5,00 ,
Tot.1 of Paymants
Total Sal. Prig.
Th. .mounll '1'';11 hili'
paId a"lr I "'a". t'l1.d, .11
paymenlS" scheduled:
Th' \ljllll c:olt ot my
pure"... on credIt
Including MY doWl"'
p.ym.nt of
$ 61.752.00
S 1,550,00
$63,302.00
'Fi~, Ch,r ,"Amount Fin,', ,Tt.lal'Pa :."oOWn . ment
Wh.n P.y":'.".,. Al. 01.1.
Monlhly, b.ginning
Monthly. Dcginninlil..--.
Monltlly. blglMnlno
Monthly, beVi"nlnG
_I
:::. jl
,19__
, 1S
_'011 prop.rty located ,1:
5
% ot lh. unpaid amounl of luoh paY""'I'1. MIlO Ixo..d
.....umplllon: s~"'I"lne buyIng my MDnl,lf.atu'" MOIll. mly. l,IndClr clr1ain circum",rlce" b, ..Uo......d 10 lu",m, lh, ftlm.irtd.r 01 lno OQn1,..c1 on Ih,
Ofl' '" terM..
~o"oz.oz" ~A
EXHIBIT "A"
Security Agreement
,"" :c;"~',i :.,~r,I:rEMlZA110N ,OF.'AMOUNT NANCIUl.. \""'"
, Cllh Prlo. ('"01. S.ln T.. 01 . .), .
.. I, C.lh Oownp.vm'"I' 50 , 00
_. Tr.de-l" (V..r, M.k~. 'M~~.Il: 6 8 CONNEIf!
L.nGlh 50 Wldlh 12
Cl,o.. Vllul' 1, 500, OOLI."I' .00
- CI-II..,...,.tI1
N.ITII'""n Volul S 1. SOO. 00
TOllIDownp.Vm.nl....'.. . 1.550.00
:, Unp.ld I.'.no. 01 c~~hi;I~~'(';';;;,~~~'21.......... S 22,"6 01 .00
, Amounll p.1d 10 olh.,. on mv b.h.lI:
., To '"IUllneO Compo"llI:
(11 ProPI"'" '".Ull"......, S
(Z) C,edlt Ufo '""UrlnOI .
b, To PubUo 011I0,.11; ..,
(11 c.n,no.'o 01"11......., .
(2) .
o. To S.II.r:
For: -, S
',",MIlI"Mf'G~ ~ --.-
,00
,00
45,00
,00
,00
d. To;_
Par:
s
.00
,00
,,1'0;
For:
S .00
TOIII (. . b . -;:-;;-;c::s
,U"o.ld Bol,"o. (3 pIUI.I,..........,................... $
. P..pold Fi"o"o. Cho""...., .. S
,A",.u"IPi"."..d(5 m'nuISI.. .......'..'..'......'.. S
45,00
22,646,00
.00
22,646:-00
,'"
'~T" '".'0"''''
.r....M..-~....,...,~;~
. I RANCE
PROP!JIT'( IN8 RANCE: Prop.rty I""ur.n.. ." thl M.",,"
'I..u,.d Ham. 'A r."u,,.d lor Ih. I""" ollhll .0"lTKl. I h.v.
Ih. ,I,hllo .h.olo III. pO,.O" Ihrou,h whom ilia ob'.i".d,
Bv m.,kJn, Iho opproprl.11 "". b.low. I .1... 'A buV III.
........,. i"dl..led Irom VOU I" 'h. '.,m .nd p,.mlum
.how":
Pr.mium
" ,00
,00
TVD' 01 'n,ulI".. T.,m
_ 8,0.d Fo,m Compo OMOS S
Mobllo Ham. Ownl,. 0 MOS S
SE~V CNTRT S
UASIUTY INSURANCE COVERAGE POA BOOIL Y INJURY AND
PROPERTY DAMAGI CAUSBO TO O~eRS IS NOT INCLUDED
UNLUS MOBIl.! HOME OWNERS INSURANCE IS INDlCA110
IN THE PROPERlY INSURANCE seC110N ABOVe,
CRBerr UPS INIURANQil C,.dl, UI. InIUlln.. II no'
lIoul'ld lor Ihll 00"11.0' or 0 "0'0' in ill 100'0'1'.1, If I .1.0'
C..dll Lit. 'nIUllnoo, 'h. n.mo(.) 01 thl o,opo..d 'nlultd(11
""
Pro po..' 'nlur.'
Pto.o..d Inlur.d
(Onlv Ip.UI. U" b. Inlu..d jointlv,)
111'" 'nlu"no. m.v no' poV oil .11 01 my dob~ ond 'h. nOCI
.moun' 01 .avo,",' II Ihow" a" mv polioV 0' o.nlno,", MV
li,n.M' Indloo'n mv .10.110" '0 ob,.'n Credit Ufo Inlu,"n..
GOV"'" far thl term Ind pr.mium ,hown:
TypI of Cove rIg.
_, Sln,l.
Joinl
T.rm
Prtmium
s
S
Dlt.
(flf"''''''
011. _
""n4IMN'
(If jolnl oovorlO' dulrod. bo'h ~'ooo..d inlulld. mUll lion,)
If you do no' mGot your ~ntraot obligatio".. you may 10.. your
me"uf.clu'Gd hom..
Notice to BUYlr: 00 not lian thll contuet In b'ank. You are
I"tilled to In .Xlet copy of the contrlct you Ilgn. Keep it to
protect your I.all r1ahtll.
'VVlAIIIE If~
J 0 O'~INELL
:CEPTEO: The fON;oinQ Clontt1lc1 I, hlremv INi9r'1td under lh. "rms
of '"' AMivnl'Mnt Of' p.g. 4.
.L!A:COU'NTRY SIDE VILLJ\GF. HOMES U1C
LINCOLN WAY EAST
;( "
EDNA G O'DONNELL
.. ,,',I al {/! u: i ,I
(,,-;;1)/./ ,1/, I!...Y,lwtt'.4"// ,I'
DATI O"'!i'SCON1l\4C1: ,"
,GREE TO ALL THE 11!RMS ON AU. PAGES OF nilS RETAIL INSTAUMENT CONmACT AND ACKNOWLEOGER'ECEIPT'OF
COMPLmD COPY OF THIS CONTllACT. (;/
^ ~/c t (!J :t-J ~~.d ;;z"" "i/ d) l./~uut(
~ """"0.' I.".'t 1$lI'ON'''' 0<>8""0"
'112.02" ,.
~AOIZ 0' .
ADDITIONAL teRMS AND CONDITIONS
ECURITY INTEReST: I grane you a ..curlty Inter"t under Ihe Uniform Commercill Code In (1) tha Mlnuflctured Horn. .nd in III
,ods chic I,. or mlV h.r.ah.r bv oper.tion of law b.com. .co...ian. 10 It, (2) any r.fund. of un..rn.d Insureno. premiums
'ano.d in Ihla oonU'lot, .nd (3) III proollds of such MlnufaclUred Hom. Ind ace...ion.. This ,"curlty int.r..1 lOour.. p.vm.nl
,d p.rlormanc. of '''v obllg,tlona under thl. contraC'!. including anv ,ddition,1 debt .rising blcau.. cf mv failuro to porlorm mv
bllgetlon' undar Ihis oontrac1. Ind lnolud.. any contractual .1(\.nSlon., "n,wlls or modlflcatlona, If Ihl. contrlcll. IIcured bv I
'Ortglgl or dud of truII on mv rill 111111. thin this IIcurlly a;rllm.nl I. not Ikcluslvl. Your rights and rlmldl.. under
liS conlraCI Ind anv mortgag. cr dud of Irull uacuttd herewllh are cumulltiv., bul my right '0 a Notlcl of O"f.ult Ind Flight 10
UI'I O.f.ull ahall not b. aH.ct.d by any IMon.i.lenl provi.ion 0' any mOl'1gag. or deed of tru.1. My ex'OUllon of Ihi. con',acl
,nlllluta. I "'Iiver of my per.onal prop.rty ind hom..t..d e..mpl,on righlllC Ih. personal Ind r..1 prop.rty hareln d..cribed,
REPAVMENT:I MAV PRIiPAV THIS CONTRACT IN FULL OR IN PART AT ANV TIME WITHOUT PENALTY. BUT I WILL NOT BE
NTITLeD TO A AEFUND 01' THI PREPAID I'INANCE CHARGE. IF ANY,
AOPIRry INSURANCe: I 1m "qui"d \0 In.ure th. Manufaclured Homo Iglinsl phy.lcll dlmaga for 'h. larm of Ih. oontraolll
'Y a.plnll, Thl minimum coverlg. will b. Broad Form Comprehlnslvl In an amount equal to, Ih. IUllr of Ih. Iclull cIsh vllu.
, tho M.nufaclured Hom. or Ih. remaining unpaid bllano. I cw. from time 10 11m. on Ihi. oonlract, The inluranol policy will
ont.ln a 10.. plvabl. CIIUII prOI.oting you (AI your Interllt may IPPllr). Ind provide lor 1 0 d~V notlco of c.ncall.,ion to you, I
.v" thl rillht to ohool' the p....an Ihrough whom tho prop.rty insuranc. policy i. obtained, If mv In.urlncl coveragl .xpir.. or
, oano.llod prior to pavmllnl In full 01 Ihls contrlct. I must obllin no I... Ihan Ihe minimum coverag. II mv .xpann for lh.
.m.lning t.rm 01 Ih. conlracl. Should I flil 10 mllnlein insurencI covor.g., you may, bul .r. nol obliglted to, cbtain thl
'Iinlmum oovereg. end luch additional oov,'age as you mav reuonably require, If you do '0. you will notify m. of th.t lacl Ind
III lhe ooat, PoI"e InterlOl .t thl contrlcl rate, will be Idd.d 10 my dlbl, I will repey .uch amount during the lerm 01 tho policV In
" mann.r reQuI".d bV you. I undem.nd that the Insurano. premium. mlY ba higher If ycu mull purchu.. ,hI Inluranc. than
light b. the .... If I had purchuld thl in.uranc., and ,hal you m.y purchue the Insuranc. from an .fflliated oompany who
llY reollvl a "ofll for thi. .ervic~.
ATE CHARGE: I Igrll to PIV a lite ch,srg. for late plyment u '" forth cn the Iront of this ocntrect. Only one 10" chargl will bl
,.de on env d.llnqu.nt In.tallment regardl... of tho penod lor which Ihll in.llllm.nl rem.ln. in d.fault. At." this contracl
,.tur.., whlthll bV aOcellllllon or olherwlse. I will not be charged a I.tl charge,
VENTS OF DEFAULT: I will b. In d.fauit under Ihi. canlract if: (I) I flillo mlkl .ny peymenl wh.n du.: (b) I fail '0 tim.ly m.ko
.nlel pavmonl.. or 10 pay other charg.. Ind "'".m.nl~. relltlng 10 Iho ra.1 proporty and/or facility on which th.. M.nulacturod
10m. I. looll..d: (0) I violal"rul.. or regullllon. relatln9 ,c Ih. f.clllty where the Mlnuflclured Homl isloeated: (d) 11.11 to kllp
,. Manuflctured Homl In gocd rep.lr and condition, II you m.y r...onlbly determin.: (.) I ramov. the Mlnufaclurod Homo
'om the addre.. shown on this ccntreot unl... I not,ly you in Idvlnco Ind rec.ivo your wrilt.n oonsonl: (f) I well or IIt.mpllo "II
,. Manuflotur.d Hom. withoul firsl ob,"ining your writ10n oonllnl: (g) I allcw the ManufaclUr.d Homa. If II is person II
rOPlrty, 10 become part 01 .ny raal ...Iet..: (h) I oncumber or Ibandcn the M.nufaclur.d Home or UII it lor hire or III.gallv: (i) I
Iii to promptly pay Iny tUII end other liens Ind encumbrano.. on Ina Manuflctured Homl: and/or (i) I falllc dc anything el..
,hich I have promised to do under Ihi. conlrect
JOTleE OF DEFAULT: If any cf Ih. above splolfled EVlnt. of Ooflul! hlv. occurred. you may do whatev..r i. n.c.nary Ic correct
,y dlfault. Ycu will, a.c.pt U SI' lorth bllow. 'irst give m. I NOlice of Oefaull Ind RighI to Curo O.I.ult b.lora you Icc.lerell
Ivmlnl 01 th. romlinlng unp.id balanc. I owe you or repouess or forocl050 on any prop.rty whioh s'CUr., Ihl. CcnlrlOl,
h. Notic. will t.1I m. whll mv dll.ull i. and how I cln cur, II, You are nCI re~uired to s.nd ma this NOlic.. wh..n (1) you hava
1,"dV I.nt a Nolic. twice wllhin Ihe precldlng cM'Yllr period. (2) I have abandcn.d or vcluntarily surrendered th.
~anulaclured Homl. or (3) other .Xlrem. circum'l.nc.. e.ist
:URE OF DEFAULT: I n1lY cure a defaullll any I'm. bofore lIt1e to tho M.nufactured Hcml i. lron,forr.d from m., which will b.
t 10..145 daye after reollpl of the nodol of dafault. To cure a dlfault I mUll pay: (I) all ImounlS which wouJu hav. boan dUI in
'a abllnc.. of d.fault and accelerot!an; (b) Ih. altornev', fl.. lit lonh below; (c) Iny le'l charga. that are dua: and
1) rouonlbl. oOlls whloh Ire actuallv Incurred for d.tlching Ind Iransponlng the Manufactured Hom. to Iha .ilo of lila, I mU'1
Iso parlorm any olher obligation I would h.v. had 10 porlorm in thl abunol of d.faull.
IEMEDIES UPON DEFAULT: If I do nct oure th. d.flult you m.y do .Ither or bolh 01 tho fallowing II tho and of the notic.
'''Iod: (a) you oan require mIla Imm.dilllly PlY you tho .ntl" remaining unpaid ballnco of thl contract plu, accrued in'er..t
,r (b) you can repOIII.. the M.nufloturod Hom... If ycu are nOI required 10 IInd ma Iha Nctloe cf Oallult and Fllghl '0 Cur.
).fault. you will have 11I..1 rlghlllmmedlalely upon mv d./aull, Onc. you g., pO'OInlcn cf Ihl Manuflctured Homl. you wdlllll
:, If Iha amounl frcm Ih. sail. after axp.n..,. I. II" Ihan wh.t I owe you. I will PlY you Ih. difflrenca oxO'PI a, otherwi..
,rov/dld bV law.
,TTORNEY FEES: If you hire an anornlY ":tho i. not ycur salerlld employ.. to colloot what' OWl under thil contracl or to gll
'O....lIon of Ih. Manufactured Homl, I WIll pay ycur raa~cnable altornay', fe!.. provided that prior 10 comm.ncem.nt 01 Ilgal
ctlon .uoh f..1 ",IV nol oxc..d $50,00 Ind funher prOVided thot no .l\orn.y . flas mav bl oharsod prior 10 my reclipt of Iho
01lc. of d.fault.
'OIOZ<lZII ~14
Pl4ao op .
OTHER TEAMS ANO CONDmONS: I Ig".: (.) '0 p'y with my mOn'hly In"ollm.nl., If "qu..t.d by you 'a do '0. 'ho OI,lmO'.d
.moun, n.o....ry '0 p,y y.."y 1..... ......m.nta Ind In.urano. pr.mlum. tho' will b.com. duo wl'hln 'h. nut lW.lv. month
p.rlod: (b) 'a PlY you a 'r.n.hr f.., If I ..11 ,h. MonutooMld Ham., unlo.. .uch f.. II prohlbltld by Ilw; (0) '0 pay InllrUt It thl
contrao' "" on 'ho rwmllnlng unplld b"lnco plul ocoru"d Inllro.~ "om Iho d.tl of mllu,ltv unW plld In full: (d) to ralmbur..
vou, Immodilllly upon your dlm.nd, with in,,,"t a' 'he contrect ro'o, tho emount of fund. you .c,u.lly Idvlnoe on my blhllf 'a
corroo' my d.'lule ond (.) Ihu If 11m mlrriod. and rllidlng In I community properlY .tl'., bolh my community proporIY .nd
"PIIII. prop.rIY will bo liobl. for III Plymen.. duo under thle oontreot
CAEDIT INPOAMATlON: Vou may Iny.ltlgOlo my oradil hi.tory Ind cr.dit capacity in conneotlon wllh op.ning '"d coll.ctlng my
ICcount ond .h.,. info,m.,lon .bout m. Ind my 'icuoun, w'th credit 'IPorting .gonoi... Vou may ..II or oth.rwl.. furnish
Informulon .bout me, IMludlng inourlnc. informltlon, tc III o,h." who may 'Iwfully r.ollvo .uch informllion, Vou mlY furni,h
splolflo infollnl'ion .bout the M.nuflolured Horn. Ind Iny ineureno. policill on 'h. Mlnuflotur.d Homl to Iny In.urIM. .Oln'
to en.bl. ,uoh Ig.nt to quoto pr.mlums to me Ind solloit my in,urano. bu.in...,
ASSIGNMEN1'; Vou mlY e..lgn lhi. oontrlot to Iny p."on or .ntity, All rights gran'od 10 you under lhi. oonltoct .holl Ipply to
Iny ..oignee of thi, contract.
WAIVEA: Waiver of .ny de'lull ,hIli not, conOllluto I wliver of Iny o,her dorlult. No lerm of thle oon'rac' .h,1I bo ohlngld unle..
in writing Ind .Ignld by one of your officers, Thil conltaot. Ind Iny mortgage or deed of IIUIl oxecutld by m. in oonn'Olion with
th" oonlllct il the entlrl Igreem.n' b'lW.on u. and I egroe ,hll no orll or impliod ropre..nllliona hI VI boon mid. to
induoe m. ,A .ntor into thl. conlllot,
VALIDI,.,.: Whlrev" pOlllbl. each proyl.ion of thi. conlrlol .h.1I b. Interprot.d in .uoh mlnner es to b. .fflo'ivo ond vllid under
applicablo IIW, but If Iny prev'.,on of this contrlot .hell bl prohlbltld by or invllid undor Ippllolble Ilw. such provision shIll b.
ineff.otive only to th. eXIINt of luoh prohibition or invalidity, wilhout invllldating the remainder 01 !uoh provi,ion or 'ho IImlining
provi.lon. of lhil conlrlct Thi. oontrlot shall be 0# no .tteol unlil Ind unle.. .Igned by me end you, In no ev.nt shall .ny
ch.rv. und" thl. oonlraol oxoe.d tho highe.. amounl IlIowed by .pplicablo Ilw, If Iny exoo.. oharg. is recoivod, .uoh 'XOI"
.h.1I bl ,o(undld or Ipplied 'A lhl Imounl duo,
(S.o O'her Pig. for Consum,,'s and Sollor's Slgnaturtl)
- - ~
" , NOTICE ,
ANV HOLDEA OF THIS CONSUMER CREDIT CONTRACT IS SUBJeCT TO ALLCL.AIMS AND DEFENSES WHIOH THE
OEaTOA COULD ASSERT AGAINST THE SEUER OF GOOOS OR SEAVICES OBTAINED PURSUANT HERETo oR I
WITH THE PROCEEDS HEAEOF, RECOVERY HEReUNDER BV THE D5BTOA SHALL NOT EXCEEO AMOUNTS PAID I
BV THE OEBTOA HEREUNDER.
ASSIGNMENT BV SELLER
TO CREDITOR INOICATEO ON OTHER PAGE ("Creditor")
With re,plot to lhia r"all in"llImonl oon,rool ("contract") sign.d bl' ono or more buy." ("Buyer"). SELLER repre.enlS Ind
warrant. thal (11 Buyer'. crodilsll'omonlsubm,ttld her.wi'h i. campllltoly Iccur,,, unless otherwiu .pooifi.d, (2) Buyar WIS
'.gally oomp.lent 10 oontract II \he time of Buyor', OXocUlion of 'his controct; (3) thi, oontraot aro" from lhe bOnl fidl ..Ie of
Iho merohlndl,. do.oribed In lhi, contrlC!; (4) Iho downplymonl was mod. by Buyor In cash unl... olh.rwi,e .p.clfied and no
part !h"lof wu 10lned direotly or indirectly by Sellor to Buy.r; (5) any trld.in, or olh.r ccn.idoralion. received IS .ny Plrt of 'hI
downplymo"t. ia .ccurallly d"orib.d on the olher plge, Ind has been vllued It ilS bonl fide vllue. Ind ony 'moun' owed on
.uch 'rodo,ln or olh.r proporty is locurot.lv dlSctlbld on \ho oth.r plgo Ind hOl boon plid off by Stile" prior to 0'
oontomporaneoualy with the a..ignment of thl. oonlracl '0 Creditor; (61 'he" i. now owing on this contrect 'he Imount ." forth
herein: (7) thi. oontrect Ind Iny guarantY ,ubmitted in connection herewith is in III respeoll legally enforOllble Iga,n,t IIch
purponed ,Ignllory thlroof: (8) Sellor h., lh. right to ISIlgn 'his contract and thoreby to oonvey good tille to I~ (9) in the event of
any olaim or defenu ...ert.d by Iny Buyer. or Iny heirs or usignl 0' Buy.r. with rupeot to the Manuf.otured Home or olher
prop~1'IV or oon.'deratlon tranI/erred PUrtu.", to lhi, rlllil inttlllment oontract SIII.r agre.. thet it will Ind.mnlfy Ind hold
Creditor harmlo.. from ,II such claims .nd dol.n... "' wall tI f,om III co"s re..onlbly incurrod by Cr.ditor In conn.olion
thor.Wllh. Inclu~ing but not ilmit.d ,a r...onablo Ittcrnoy f.e, and co un COllI; and (10) in Iccordlnc. with tho Fair Cr.di'
R.ponlng Aot Soli" h.. notlfl.d Buy" lhlt 'hi. Oontllot lIto b, .ubmitt.d 10 Creditor,
For VllUI r.celv.d. S.II.r h.r.by I..Ign, to Cr.dhor ail iI, rights, tille .nd inl.re.t in thit contract and 'h, prop.rIY whioh is
lh. ,ub,lot mltt.r h.reof and luthoriu, Creditor 10 do e'ltlVlhing noc'..ary to 0011101 end di.chargo same All tho t.rms of Iny
exining writton Igro.mon's between Soiler Ind C,odi'or gov.rning 'hi purchuo of oontract, aro madl a Plri hereof by rof"enol.
II bo'ng undemood th.t Credhor reU.. upon lh. IboVI warranti.s and upon uid .gr..m.ntl in purohesing thi, oontllot.
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EXHIBIT "e"
Notice of Intent to Repossess