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USTED DEI3E LLEVAR ESTE DOCUMENTO A SU AIlODAGO IMMEDlATAMENTE. SI
USTED NO TIENE UN AI30GI\DO 0 NO PUEDE PAGARLE A UNO. (,LAME 0 V A Y A A LA
SIGUIENTE OFICINA PARA A VERIGUAR DONDE I'UEDE ENCONTRAR ASISTENCIA LEGAL.
Clllllherlllllll CIIIII/(I' Bllr A,\',l'f)cilllitlll
21..;I1l1r(I' Al'elllll!
Cllrlislt!. flA 17(}13.3387
Telep!llllle: (717) 249-3 I 66
McNEES, WALLACE & NURICK
('
By
F Stephenson Matthes
I.D, No. 67408
100 Pine Street
p, 0, Box 1166
Harrisburg, P A 17108-1166
(717) 232-8000
Attorneys for Plaintiff
Dickinson College
II, Under the terms of the Third Note, Delcndant ngreed to pny Dickinson Two
T/1l'usnnd Dollnrs ($2,00(J.00) with interest at the inilial rate of 5.00% per nnnum in equnl
monlhly instnllments to commence on June I, 19%,
12, Under the terms of the Fourth Note, DcJcndant ngreed to pay Dickinson Three
Thousnnd Dolbrs ($3,000.00) with interest althe initinl rate of 5.00% pcr m1l1um in eqlml
monthly installments to commence on June I, 1996.
13, Under the terms of the Fifth NOle, Dcfcndmll agreed to pay Dickinson One
Thousand One Hundred Dollnrs ($1, I 00.00) wilh interest ntthe initial rate of 5.00% per annum
in equal monthly installments to commence on June I, 1996.
14, The Third, Fourth and Fifth Notes were combined to make one monthly payment
in equal monthly installments of$65_70 commencing on June I, 1996.
15. The Notes provide that ifan event of default of the Notes occurs, and is not cured
by the borrower, Dickinson may "declare [the] loan to be in default and may demnnd immediate
payment of the entire unpaid balance of the loan, including principal, interest, late charges and
collection costs",
I 6, Defendant defaulted on her obligations under the Notes by failing to make
required monthly payments since January 6, 1997,
17, In accordance with the terms of the Notes, and as a result of Defendant's default
aforesaid, Dickinson has declared the Notes to be in default.
Ull.l\HI:>un l.ULLI:.\:I1:. -07
Carlisle, PA 17013
Tel: 717-245-1383
, PROMISSORY NOTE - PERKINS LOAN PROGRAM
:My bracketed claua. or paregraph may bolncludod .1 oplion of Inslllullon,l
, Bri.dQet A Herr~r~ promlsa 10 pay 10 Dickinson College (horolnallo,
:alled Iho Lendllfg In.lllullon) locolod al r.~rl i d p ppnn~~l v~n i ~ tho sum of Iho .mounls Ihal.r. .dv.ncod 10 mo and on.
10rlld In thl Schedule of Advances 801 torth below. I promise to pay all attorney', feos and othor reasonablo colloction costs and chargos necessary for the
:olloclion 0' any omounl nol p.ld whon duo, I furthor undorslan~ .nd .gr.o th.l:
I, GENERAL
:1) Aoollcablo L.w Allaum. odvoncod undor this nolo oro drawn from a fund croalod undor Part E of Tllio IV of Iho Hlgh,or Educalion Aot of 1965, a.
Imondod, h.rolnallor callod tho Acl, and aro .ublocl to Iho Act and Iho Fodoral Rogul.lion.'ssuod undor Iho Act, Tho torms of thl. nolo shall bo Inlorprolod In
Iccord.nco wllh Iho Act .nd Fodoral Rogulalions, coplos 0' which ara 10 b. k.pt by Iho Lending Inslllulion,
(2) Procedures for Reeelvlno Deferment or CancellatIon I understand that In order to receive a deferment or cancellation, I must request the deforment or can~
:.lIalion In wrlling from tho Londlng In.lltulion, and musl submll to Iho Landing In.Ututlon .ny documonlallon raqulrad by Iho Lending In.lIlulion 10 prove Ihal
qualify for tho dofarmont or cancellallon, I further undorsland th.t If I.m ollglbla for daformont or cancollalion und.r Artlcl.. VI through XI, lam r..pon.lblo
'or aubmlUlng tho .pproprlat. r.qu.st. on lim., I furth.r und.rsland Ihall m.y lo.a my d.f.rm.ntand c.ncollalion b.n.fll. If , f.1l to fiI. my r.qu.st on tlm.,
II, INTEREST
nt.r..I.h.lI.ccru. from tho b.glnnlng of tho r.paym.nt p.rlod .nd shall b..t ths ANNUAL PERCENTAGE RATE OF FNE PERCENT (5%) on the unp.ld
).'anc., .xc.pt th.t no Int.r.st sh.1I accru. during .ny d.f.rm.nl p.rlod d..crlbsd In p.r.gr.ph VI(l),
III, REPAYMENT
:1) I proml.a to r.pay tho principal and tholntorost which accru.s on It 10 the lending Inatltutlon ovor a period baglnnlng g monlha ah.r th. d.lal c.... to ba
It I..st. h.lf.tlm. stud ant st .n Inatllutlon of hlgh.r .duc.lion, or .t . compar.blolnslitulion outsld. the Unllod St.l.s approv.d for this purpose by tho
Jnll.d Stat.s S.cr.tary of Educ.lion (h.r.ln.h.r call.d tho S.crol.ry), .nd ondlng to year.'al.r, unl... that p.rlod Is short.n.d und.r paragraph 11I(5), or .x.
:.nd.d und.r p.r.gr.phs 11I(4), 11I(7) (.xt.nslons), or VI(t) (d.f.rm.nts),
:2) Upon my wrlu.n r.quost, th. r.paym.nl p.rlod m.y atart on a d.l. ..rll.r th.n the onolndlcat.d In par.gr.ph 11I(1),
;3) (A) I promls. to r.p.y tho principal .nd Int.r.st ov.r the cour.. of th. r.p.ym.nt p.rlod In .qu.1 monthly, bimonthly or quart.rly Installm.nts, as d.l.r.
nln.d by the lending Inslllulion, I und.rst.nd th.tlf my monthly p.ym.nt for .lIlho lo.ns m.d. to m. by Ih. lending Instllutlon Is not a mullipl. 01 $5,th.
.endlng institution m.y round th.t p.ym.nt to th. n.xt hlghast dollar .mount th.lls . mulllpl. of $S,
- (B) Notwllhslsndlng paragr.ph 1II(3)(A), upon my wrluen r.qu.st, repayment m.y b. m.d. In gr.du.t.d Installm.nts In .ccordanc. with a sch.dule
.pproved by the Secr.t.ry.
(C) Th. L.ndlng Inslllulion sh.n aU.ch the sch.dul. of r.paym.nls and the schedul. will become part of tho nol..
:4) Notwithst.ndlng p.r.gr.ph 11I(1), If I quallfy.s alow-Incom. Indlvldu.1 during th. r.p.ym.nt period, Ihe L.ndlng Instltulion, upon my wrlU.n r.qu.sl, m.y
.xt.nd the r.paym.nt period for up 10 an .ddlllonaltO y.ars, and may edjust .ny r.p.ym.nt sch.dul.to r.nect my Incom.,
:(5)(A) nth. monthly rat. th.t would b. .stabllsh.d und.r paragraph 11111), or Ihelolal monthly r.p.ym.nt ral. of prlnclp.l.nd Int.r.st on.1I my Perkins
.oans Including thlslo.n, Is I.ss Ihan $30 per monlh, I shall r.pay the prlnclp.1 .nd Int.r.st on this lo.n at the rat. of $30 p.r month (which Includes both prln-
:Ipal .nd Int.r.st),
:S) (B) If I h.v. r.c.lved P.rklns Lo.ns from Olh.r Inslitulions and the tol.1 monlhly r.p.ym.nt r.l. on thos. lo.nsIs I.ss th.n $30, th. $30 monthly paym.nt
Istabllsh.d under subp.ragr.ph III(S)(A) Includ.s the amounls I owe on .11 my outsl.ndlng P.rklns Lo.ns Including those r.c.lv.d from oth.r Instltulions, Th.
Imount 01 this $30 monlhly paym.nt th.1 will b. appll.d to this loan will b. tho dlffer.nc. b.tw..n $30 and the tol.1 01 the .mounts ow.d at . monthly rat. on
ny other P.rklns Lo.ns,
16) Th. L.ndlng Instltullon may p.rmlt m. to pay less than the r.t. of $30 p.r monlh for a p.rlod of not mar. th.n on. y.ar where n.c.ss.ry 10 avoid
,ard.hlp 10 m. unless th.t action would .xt.nd the repayment p.rlod In par.gr.ph 11I(1),]
(7) Th. L.ndlng Instltulion m.y, upon my wrlU.n r.qu.st, r.duc. .ny sch.duled r.p.ym.nts or .xt.nd th. r.p.ym.nt parlod Indlcatod In paragr.ph 11I(1), If,
n its opinion, .xtr.ordln.ry clrcumstanc.s such .s prolonged IIInoss or un.mploym.nt, pr.v.nl m. from m.klng th. sch.dul.d r.paym.nts, How.v.r,lnt.r.
est shall continue to accrUB.
IV, PREPAYMENT
(1) I may, .t my opllon and without p.nslty, pr.pay .11 or any p.n of the prlnclp.l, plus the .ccru.d Int.r.stth.r.on, .tany tlm.,
(2) Amounts I r.p.y In the academic y.ar In which the loan was mad. will b. used to r.duc. th. .mounl of th. loan .nd will not b. consld.r.d a pr.p.ym.nt,
(3) If I r.p.y mor.th.n tho .mount duo lor any Installm.nl, the .xc.ss will bo used to pr.pay principal unless I d.slgnal. It.s an advance p.yment of tho
next regular Installment.
V, DEFAULT
(1) Th. L.ndlng Institution may, at Its opllon, d.cl.r. my loan to b.'n default and may d.m.nd Imm.dlat. paym.nt of th. .nlir. unp.ld balanc. of Ih.loan,
Including principal, Interest, late charges and collection costs If-
(A) I do not make a sch.dul.d paym.nl wh.n due und.r th. r.payment .chedul. .stabllsh.d by the lending Inslitulion, .nd
(B) I do not submit to tho lending Instltullon on or b.for. the d.t. on which p.ym.nt Is du., docum.nt.lion that I qU.llfy for. d.f.rm.nt or c.nc.llollon
d.scrlb.d In Articles VI, VII, VIII, IX, X, or XI of this agr..m.nt,
(2) I und.rstand that If I d.f.ult on my lo.n, th. L.ndlng Instltullon may disclose th.t I hav. d.fault.d, .Iong wlfh oth.r r.l.vant Inform.lIon, to cr.dit bur.au
organizations,
(3) Funh.r, I und.rst.nd that If I d.fault on my loan and thelo.n Is transf.rr.d to tho Secr.tary for collecllon, the Secr.tary may dlsclos. that I h.v. d.faun.d,
.Iong with oth.r r.l.v.nt Information, 10 cr.dit bur..u organlzallons,
(4) I underst.nd that .h.r th. Lending Inslltulion .ccel.rat.s th.loan und.r paragr.ph V(I), I will th.n lose my right to d.f.r r.p.ym.nta due ah.r the d.te
Ih. Lending Inslllullon .ccel.r.tes the loan, '
(S) I understand th.t ~h.r the L.ndlng Inslllulion acc.ler.t.s th.lo.n und.r par.gr.ph V(I), I will th.n los. my right to rec.lv. a cancelfatlon of. portion of
my lo.n for .ny te.chlng, volunt..r or mlllt.ry s.rvlc. d.scrlb.d In Artlcl.s VII, VlIIsnd IX, p.rform.d .h.r th. dol.lh. lending Insjltutlon accelerat.d tho loan,
(6) I understand th.t f.llure to pay this obligation und.r the t.rms agr.ed upon will pr.v.nt my obt.lnlng .ddltlon.' student financial .,d authorlz.d under '
TIIi. IV 01 the Hlgh.r Educ.tlon Act of 1965, as amend.d, unllll have m.d. .rrangemenls which are satlsfectory to the lending Institution or the Secr.t.ry
regarding the r.p.ym.nt of th. ioan,
VI, DEFERMENT
(t) I und.rst.nd th.1 upon making a prop.rly docum.nl.d wrlll.n r.quest to the lending Instllutlon,l may d.f.r making sch.dul.d Instanm.nt payme~ls, and
will not b. lIabl. for any Inl.rest that might oth.rwls. accrue, durln9 the following periOdS:
(A) Whll. I em .nroll.d .nd In .U.ndanc. as .t I.ast a half.tim. sludenl at .n Instltulion of hlgh.r .duc.llon or at a comp.rabl. Instltulion outsld. the
United Stales .pproved for this purpose by the S.cr.tary:
(B) For. p.rlod of thr.e (3) y..rs during which I .m -
(I) On lull.lim. acllv. duty as a m.mb.r of the Arm.d Forces of the United Stot.s (Army, Navy, Air Force, Marin. Corps, or Co.st Gu.rd) or Ih.
N.llonal Oc.anlc .nd Atmosph.rlc Admlnlslratlon Corps, or as .n officer on full.llm. .cllv. duty In tho Commlsslon.d Corps of Ihe Unlt.d St.t.s Public
H.alth Sorvic.,
QI) In s.rvic. .s a volunt..r und.r tho P..ce Corps Acl,
QII) A volunle.r und.r th. Dom.slic Volunl..r S.rvlce Act of t973 (ACTION progr.ms),
(Iv) A fun-limo volunteer In a ta.".oxempt organization porformlng sorvlce comparable to the sorvlco performed In the Peace Corps or under the
Dom.sllc Volunteer Servlc. Act of 1973, or
(v) T.mpor.rlly totally dls.bl.d .s .st.bllsh.d by .n affidavit of . qu.llfied physician, or unabl. to s.cur. .mploym.nt b.cau.e I am provldlngc.re
(A) kI. 'ull.llm.t.ochlt In I public 0' olher nonpront .I.m.nlory or IOcond.ry .ehool which I. In th. .chool dislrlct of 0 locol.ducollon.'.g.ncy
which II .IIglbl.ln luch I'"' of ....Ic. for fundi under Ch.pl.r' 0' Ih. Educlllon Conlolld.llon .nd Improv.m.nl Acl 0'1981, II .m.nd.d, .nd which has
b..n dOllgn.,.d by Ih. Stcrol.ry (.flor conlult.llon with ..ch 51.10 Oop.rtmont 0' Educ.tlon) In .ccord.nco with Ih. provlolonl 0' .ocllon 46S(.)(2) 0' Ih.
Act 01 I ochool with. high conconlr.tlon 0' lIud.nll Irom low.lncom. '.mIllOl, All olflcl.' Directory 0' dOllgn.,.d 10w,lncom. Ichoollll publlsh.d .nnu.lly
by Ih. S.crel.ry,
(B) Iu . luII,lIm.t..ch., 0' h.ndlc.pp.d chlldron ~ncludlng IholO who .ro m.nl.lly rot.rd.d, hlrd 0' hearing, dO.f, Ip..ch .nd I.ngu.g. Imp.lred,
vlluolly hlndlclppld, Ilrlou.'y .mollonllly dl.tu,bld, orthop.dlc.lly Imp.lrld, h.vI .poclllo learning dllOblllll.., or olho...11O ho.lth.lmp.lrod chlldrln, who
by roOlon Ihoraof roqulro Iplcl.,.duc.llon .nd rolllad 11..lcas) In . publlo or olhlr nonpro'lt .Iamonl.ry or lacondory Ichooloyslam,
(2) Thllloln will bl c.ncIII.d for ooch compllt.d I'""' 0' II.chlng 1O..lcI .1 thl lollowlng ,.t..:
(A) 15 perclnl of Ihl 101.1 prlnclp.l.mounl 0' Ih. lo.n plullnlerl.' on thl unp.ld b.'lnc. w:U b. c.nc.II.d for Ihl firel .nd IOcond campi. II .c.dlmlo
1'.... 0' Ihlllllchlng I...'c.,
(B) 20 porc.nl 0' Ih.lol., prlnclp.1 Imounl plu. Inl.rlsl on Iho unpold bolanco forthl third .nd fourth compl.lo .cldomlc 1'.... 0' Ih.,I..chlng 1O..lco,
.nd
(C) 30 porc.nl of Ih. 101.' prlnclp.'.mounl pluslnl.rosl on Iho unplld b.'.nco fa, Iho fifth compl.lo aC.domlc ya.r of Ih.llaachlng so..lc.,
VIII, HEAD START CANCELLATION
(1) I und...I.nd Ih.1 upon m.klng. prop.rlydocumonl.d wrlfl.n requOllto Ihl L.ndlng Inslllullon, I.m .ntlllod to h.V' up to 100 perc.nl 0' Ih. .mounl 0'
Ihls lo.n plus Iho Inler.sllharoon canc.II.d II I parform o'IVlc. .. . full.llmo .t.lf m.mba, In . Ha.d SI.rt program II.
(A) Th., Hood SI.rt prog'.m 10 opor.lod '0' . porlod which Is compor.bll to I lull ochool 1'00' In Ihl loc.,lty, Ind
(B) My '"I.ry Is nol moro th.n tho IIllry 0' I comp.r.bla omployao 0' tho loc.loduc.tlonol agoneI',
(2) This loon will b. c.ncallad .llh.,.I. 0' 15 percant 0' Iho 101., prlnclp.' Imounl pluo Inler.sl on Iha unpaid b.l.nco for o.ch compl.lo ochool yo.r 0' thl
oqulvolanl 01 uIVlc. In I H..d SI.rt progrom,
(3) H..d SI.rt Is . proschool progr.m c.rrl.d oul under Ih. H..d SI.rt Act,
IX. MILITARY CANCELLATION
(1) I und.rlllnd Ih.1 upon m.klng. properly docum.nt.d wrlfl.n r.quIsllo Ih. L.ndlng Inslllullon, I.m .ntltl.d to h.v. up 10 SO perconl of Iho p,lnclp.'
.mounl 0' thlslo.n pluo th.'nlo,.ollher.on c.ncoll.d If 10.IV. .s. mamb., of tho Arm.d Forcas of Ihl Unllod Slol.s In In lrol of hostlllll.slhol quollll.o fo,
sp.cl.1 PlY under o.cllon 310 of TlIlo 37 of Iho Unllod Slllls Codo,
(2) This lo.n will b. c.ncollod .1 tho ,.1. of 12 1/2 perc.nl of tho 101.' prlnclp.1 .mounl plus Inlo,osl on tho unpold bolonco fo, o.ch complolo yoor of luch oa'-
vice.
, X. PEACE CORPS CANCELLATION
, (1) I undorstond Ihol upon m.klng . properly docum.ntod wrlflon ,oqU'SI to tho londlng Instllutlon, 10m onllllod 10 h.vo up to 70 porconl of tho .mount 01
Ihlsloan plus tho Inlorlll thoroon clnc.llod If I porform 10IVlco-
(A) kI. volunloor undor tho Poaco Corps Act; or
(B) kI. vOlunloo, undor tho Domastlc Voluntoo, SllVlce Acl 01 1973,
(2) Thlslo.n will bo c.ncollod II tho followln9 ,.Ios:
(A) 15 porconl of tho tol.1 prlnclpal.mount 01 tholo.n pluslnlorost on tho unpaid b.l.nco will bo conc.llod 10' tho f/rsl.nd oocond twolvo,monlh porlod
of voluntoor so..lco complotod;
(B) 20 porconl of tho tol., prlnclp.llmount 01 Iho lo.n pluslnlorost on Iho unp.ld b.'.nce will bo c.ncell.d fa, Iho third .nd fourth twelve-month
porlod of vOluntoo, aeIVlco complotod,
XI, DEATH AND DISABILITY CANCELLATION
(1) In Iho evonl of my d..lh, thololal.mounl owod on this lo.n will bo cancolled,
(2) If I bocomolot.lly and perm.nonlly dls.blod .flor I ,.colvo this loan, tho Londlng Inslltutlon will cancellho tol.1 .mounl of Ihls lo.n.
XII, CHANGE IN NAME, ADDRESS, TELEPHONE NUMBER AND SOCIAL SECURITY' NUMBER
I.m ra.ponslbl., .nd .ny ondor.or Is ,osponslble, fa, Informing tho lending Inltllullon 0' any ch.ngo or chang os In namo, .ddro.s, tolophono numbor 0' 00-
clal.ocurlty numbor,
(1) Tho Londlng Inslllutlon m.y Imposo "'.10 ch.rgo If _
(A) I do nol make. .chadulod p.ymonl whan It II duo, .nd
(B) I do not submit to tho lending Inslllutlon on 0' bofor. tho dalo on which poymonlls duo, documontatlon th.t I qU.llfy for. d.formonl or c.ncoll.llon
d.scrlbod In Artlclos VI, VII, VIII, IX, X. .nd XI of this .greoment.
(2) No ch.rgo may oxcoad twenty (20) porconl of my monlhly, bImonthly or quartorly p.ymant.
(3) (A) The Londlng Inslltutlon may-
~) Add tho loto chergolo tho prlnclpallho d.y .fle, Iho ochodulod 'apaymenl w.s due: or
~I) Includolt with tho noxt schoduled ropayment .ftor I h.vo rocolvod nollco of tho lete chargo,
(B) IIlhe Londlng Inslltullon olectslo .dd the .ssossod ch.rgolo tho outsl.ndlng prlnclp.' of Iho loon, II musl so Inform me bo'oro the duo dato of tho nexl
Inslallmont.
XIV, ASSIGNMENT
(1) This nolo may be .sslgnod by tho Lending Inslllutlon only to-
u____ _ '.' ...... ., .. ..... . _...__ ..._.....__.~____.. .._._..~'_~'___."_~..._...~.~_.,_<__.._._..__._._._"_,....._...._
XIII. LATE CHARGE
- aOINo. WJopod III pOIlOOUVO UOOJ0411S0JOIUI 041anld uvol 91ul
jO lunoW" e41 jO IUoOJod 00101 dn e^"4 01 P'llIIuO Wal 'uollnIIISUI6UIPUo, 041 ollBenbo, uOuP'" pOluownoop ~IJodoJd a 6ul~aw uodn 1141 PUVlsJopUn I (I)
ElNIHO'u'3.L I;jO:l NOllIfl130N'u'O 'II^
'onJOOO olanuIIUoo III'" "0.0"'04 'ISOJoIUI 'ow JOI dl4sp,au
10/ououJj a PIO^e 01 .I1..sooou sl IUOWJo,op 0411041 SOUIWJOIOP II II slUow~adol pOlnpouos ~w ,o,op 'ISonboJ uOuP'" ~w uodn '~IW uOII"lllsul 6Ulpuo, Ou! (~)
'(3H~)I^ 46nOJ41 (.,.Hlll^ S4deJ6.Jld UI POPI^oJd IUOWJO,Op ~U. '0 UOII.Jldxo 0416ul"'01l0, ~loIOIPOWWI po"od 41UOW (9) XIS a 6UIlOO (,j)
pu. :PO~Oldwo ~lInlul.6 JOU UOII.onpo '046'410 uOlI"lllsul 0lql6110 uv 6UIPUo"a
'04"OU W"I pUa UOlldopv 46nOJ410W 411'" pooald sa", 04S '0 a4 J040 ~lolelpewwl Pll40 . JOj 6Ull00 '0 '~q.q UJoq"'ou ~w '01 CUIJlO 'lu.u6IJd Wal 401U'"
6UIlOO (10 pua :uonn"ISUI e,ql6l1e uaI' luopnls oWII-"a4 V IseallI.a pOIIOJUe sa", I 4014'" 6uIlnp popod a 10 ssol JO S41UOW XIS ~q O"'OllOj le4! (I)
- S41UOW XIS '0 .oeoxo ullou POI,od a 'o~ ' (3)
leeSl '0 10000pJapUalS 'oq., 'Ie; e41jo 9 UOl1oos ~q p04Bllqolso a60'" ~lln04 WnwIUIW 0410Mqo 00'1$ poooxoloU soop 4014'" OIUl via Plod 6uloq
Wa pUV 'OOJO, ~'o'" 041 pOlolueo, '0 PO'OIUO 0^a4 I 'ueJP1l40 eCoI0040S0Jd '0 J0410W a walll'4014'" 6ullnp JlO~ (~) ouo'o osaoxo Ullou pOI'od a '0; (0)
:6Ulul,,,0IanpUl6,sod SJOUO la41 ^tllloa, o,eo
4"004 a '0 10"ds04 0 'uollaonpa '04C/410 uOllnlllSUI ua ~q pOplO"'O e,oO/J/lloo JO OOJCOp a 016u/paol WOJ60Jd ~ouapI.eJ JO dl40UJOluI Uo ul 6UINOOOO
JO 'eoINOS '0 OOIlOUld 10uoISSO,oJd ~w ul6eq 01 pOJ/nboJ uOlllu6000J ,vuolSOO,oJd
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,._I.~""7~:~~,,+~:~.:-'J!t~l.jl ""1 dn , ~"I,,~~t
U!L~!"~U" LULLtbt -07
Carlisle, PA 17013
Tel: 717-245-1383
, PROMISSORY NOTE - PERKINS LOAN PROGRAM
:Any brlckeled cllu" or paragraph may bo Includad al opUon of Inslllullon,)
, llridllet A Ilerr"r~ promlsalopaylo Dir.lcinson College (hereln.llor
:allad tha Landlrrg Inslllullon) localad al r.~..l i ~ 1 P ppnllS,l/.l v~ni ~ tho sum 01 tho amountslhat ara advancod to mo and on.
iO'lId In the Schedul. 01 Advances lot forth below. I promlso to pay all allorneY'1 feos and othor reasonablo collection costs and chargoa nocessary for the
:ollacUon 01 any amounl not paid whan due, Ilunhar undOl&lan~ and agroolhal;
I. GENERAL
:1) Aoollc.ble Law All .um. advancad undar Ihls nole are drawn Irom a fund crealad undOl Pan E of Tltlo IV ollho High,er EducaUon Acl of 1005, a.
Imendod, herllnahor called thl Act, and alo subject to the Act and lho Federal Ragulallonllssuud under the Act. The terms of this nolo shall be Interpreled In
,ccordance wllh Iha Act and Fadaral RogulaUon., capias 01 which .ro to bo kapt by tho Landing InstltuUon,
(2) Procedurn for RAcelvlno Oefermsnl or Cancellalfon I undersland that In order to receive a doferment Dr cancellatlon,1 musl ,equatl the d,'etment or cana
:ellation In wrlUng Irom tha Landing Inslitutlon, and musl submll to Iho Landing Instllutlon any documontaUon requlrod by the Landing InslituUon 10 prove thaI
qualify lor Ihe delarment or cancallaUon, I funhor undarstand Ih.t illam aliglble lor dalormenl or cancollaUon undor Artlclos VI through Xl,lam rosponslble
, 'or aubmllUng Iha approprlata roquam on lima, II"nhor undersland Ihat I may loso my d.I"monl and concallation ban.lils If I fall 10 filo my raquasl on tlma,
II, INTEREST
nterlOlshall accruo from tho beginning ollhe repaymant parlod and shall ba allho ANNUAL PERCENTAGE RATE OF FIVE PERCENT (5%) on the unpaid
)alance, ..capllhat no Inloraslshallaccrua during ony defarm.nt porlod dlOcrlbed In paragraph VI(I),
III. REPAYMENT
:1) I proml.a 10 rapay the principal and Ihe Interest which accruII on II to the landing Inatilutlon over a porlod beginning 9 montha aller the date I c.... to b.
It 1...1 a h.lI.tlme atud.nlal an In'llIution 01 higher education, or at a comparabl. Instllution out.ldolho Unllad Statal Ipprovod for thla purpo.. by the
Jnllod SlatlO Secretary of Educotion (heralnaller cellad tha Sac,clary), and andlng 10 yoa" lalli, unllOa Ihet parlod I. ahonened under paragraph 111(5), or ox'
,andad under paragraphs 11I(4),11I(7) (..Ionslons), or VI(l) (dalarmants),
:2) Upon my wrllien raqueat, Iha repayment porlod may stan on a date ..rller than the one Indicalad In poragraph 11I(1),
;3) (A) I proml.. to repay Iho principal and IntorlOl over tha courso 01 lhe rapaymonl porlod In aqual monlhly, bimonthly or quanllly Inatallmenla, aD dalar.
nlnod by Iho landing Institution, I undarstand thalli my monlhly paymant for alllho loan. madalo mo by Iha landing In.lltution I. nota mulllpla 01 $5, the
.andlng In.titutlon may round that paymant to Ihe naxt high lOt dollar omount Ihat Is . mulllplo of $5,
. (8) Notwllhstandlng paragroph 1II(3)(A), upon my wrillan "quast, rapsymant moy bo msdo In gradualad Instsllmenl.ln accordanca wllh a achadulo
.pprovad by tha Sacratary,
Ie) Th. Landing institution shsllatl.ch Iha schedulo of rapaymanls and the .chodulo wlil becomo pan ollho nole,
:4) Notwllhllandlng poragraph 1It(1), III qualily.. alow.lncoma Indlvidusl during the ropaymont period, tha Londing Instilution, upon my wrllian raquast, m.y
lXtand Iha rapaymant parlod for up to an addllionall0 yaars, and may adjust any rapaymant schadula to rellsct my Incom.,
:(5)(A) IIlh. monlhly rala thai would ba astabllshad undar paragraph 11I(1), or the tOlal monthly rapaymant reta 01 principal and Inlerast on all my Perkins
_oanslncludlng thlsloan,ls la"lhan $30 por monlh, I shall rapay Iha principal and Inlorost on Ihlslosn al tho rala of $30 per monlh (which Includos both prln-
:Ipal and Intarost),
:5) (8) III hava racalvad Porklns Loans from othar Institution. and tho total monlhly ropaymant rala on tho.s loans Is lass th.n $30, Iha $30 monlhly paymant
lStsbllshad undor subparsgraph 1It(5)(A) Includas tha omounts Iowa on ell my outstanding Porklns Losnslncludlng thosa racalvad from olhar Institutions, Tho
'mount ollhls $30 monthly psymenl that will bo oppllod to this loan wilt bo tho dlfforanco betwean $30 end tho tOlal ollh. amounts owad al a monlhly rate on
ny olher Parkins Loans,
16) Tha Landing InsUtution may parmll ma to psy lass than tha rata of $30 por monlh for a period of not mora than ona ysar whara nacassary 10 avoid
"'dshlp to ma unlass that action would axlond Iha rapaymant porlod In paragraph 1It(1).]
I7l Tha Landing Institution may, upon my wrlllan raquost, reduco any schadulod repaymanls or axland Iho rapoymont parlod Indlcalad In paragraph lIt(l),If,
n lis opinion, oxtraordlnary clrcumstanc.s such os prolongod IIIna.. or unemploymont, pravant ma from making tho ach.dulod rapoymants, Howevar,lnl"-
est shall continue to accrue.
IV, PREPAYMENT
(1) I may, at my option and wllhoul pon.lty, prapay all or any pan of tho princlp.I, plustha occruad Intorostlharaon, olanyUmo,
(2) Amounts I rapay In tho acadamlc year In which tha loan was mad a will b. used to reduce tha amount of Iha loan ond will not bo consldsrad 0 prapaymant.
(3) III rapay moro than Iha amounl dua for any Inslallmont, tha axcoss wlil be usad to prepay principal un lass I daslgnatallas an advanca paymant of Iha
next regular Installmant.
V, DEFAULT
(1) The Landing InstituUon may, al ils option, declore my loan to be in dafaulland may demand immediato payment of tho antira unpaid balanca of tho loan,
including principal, Interest, late charges and collection costs if-
(A) I do not mako a schodulod paymsnl whsn dua undor the repaymentschadulo aatabll.had by the Landing Inalilution, and
(8) I do nOlsubmlt to tho Landing Institution on or beforolha dalo on which paymantls due, documantatlon Ihall qusllly for a defermant or cancellation
dascrlbed In Articles VI, VII, VIIt, lX, X. or Xl of this agroamont.
(2) I understand that If I default on my loan, tho Londing Institution may disclosalhat I havo defaulled, olong with other rol.vantlnformalion, to cradil b<Jraau
organizations.
(3) Further, I understand that If I default on my loan and the loan Is transferred to the Secretary for collection, the Secretary may disclose that I have defaulted,
along wllh other ralavant Information,to crodit buro.u organlzationa,
(4) I understand Ihalaflar the Londlng Institution acealerates tha loan under paragraph V(l), I wllllhon loso my rlghl to doler ropayments duo ollor the date
the Londing Inslllution occalorates the loan,
(5) I understand Ihat aflar tho Londing Institution accalerotes the loan under paragraph V(l), I wllllhan loso my right to recelvo a cancellation of a poOlon of
my loan for eny taachlng, volunteor or mllllary selVlco described in Articla. VII, VIII and IX, parform.d allar the datelho Landing InStitution acceleratod the loan.
(6) I undorstand that fallurolo pay this obligation undar the terms agrood upon will provont my obtaining additional studont financial aid authorlzod undor
Tille IV 01 tha Higher Education Acl of 1005, as amanded, unlill havo mada arrangements which ara satisfactory 10 the Landing Institution or tha Socralary
rogardlng the repayment of the loan,
VI. DEFERMENT
(1) I undorstand that upon making a properly documented writtan request to th.landing InSlitulion, I may deler making schedul.d Inslallment paymeots, and
will not be liable for any Interostlhat might otharwlse accrue, during Ihe following poriods:
(A) INhlle I am enrolled and in attendance as al1east a half.time student at an Institution of higher education or at a comparable institutlon outside the
Unltod States approvod for this purposo by the Sacretary;
(8) For a poriod of three (3) years during which lam -
(i) On full,tlmo active duty as a membor of Ihe Armad Forco. of the United States (Army, Navy, Air Force, Marina Corps, or Coasl Guard) or tho
National Ocaanic and Almoaphorlc Administration Corps, or as on offlcor on lull.timo ectlva duty In tho Commissioned Corps of Ihe United States Public
Haailh SalVlca,
Oil In ,alVlca as a volunle.r under tho poaco Corps Act,
Oil) A volunlaar under tha DomeSlic Voluntear SalVlce Act of 1973 (ACTION programs),
(Iv) A full-Ume volunteer In a tax-exempt organization performlnij sorvlco comparable to the sorvlco performed In the Poaco Corps or under the
Domostic Vo/unlaor SalVlca Act of 1973, or
(v) Tamporarlly tolally dlsabied as astabllshod by an offldavlt of a quallllad physician, or unabla to aecuro omployment because 10m providing COle
required by t depend3r.t who !: ::1 d!Gisb!3d;
(C) For a period not In excesa at two (2) yesrs _
(I) Atter I receive a baccalaureate or professional degree during which time I am serving In an Internship which Is requIred In olde, thaI I may fecelve
professional recognition required to begin my professional practice or &ervlce, or
(II) sGrvlng in an Internship or residency program leading to a degree or certificate awarded by an Institution of higher education, a hospital or a health
care faclllty that oHers postgraduate training;
(0) For a period not In excess of ono (1) year during which, If I am a mother of preschool age children, I have entered or reentered the work force, and am
baing paid alo rata which doas not exceed $1,00 abovo tho minimum hourly wage astabUshod by seclion 6 of Ihe Felr Labor Standarda Act 011938'
(E) For a parlod nolln axca.. of six monlhs _ '
(I) That follows by six months or loss 01 a period during which I was emollod a. allaasl a hall.tlm. student at an eliglblo Inslilullon' and Oil During
which I am pragnant, caring for my nawborn baby, or caring for a child Immodlatoly .1I0r h. or she was placed with mo through adoption and I am nallher
attending an ellglblo Instltutlon of higher education nor gainrully employed; and
(F) During a six (6) month period Immadlately 101l0wing Ih. axplration 0' any delermont provldad In paragraphs VI (I)(A) Ihrough VI(l)(E)
(2) Tha Landing Instilutlon may, upon my wrllien requasl, deler my scheduled ropaymanls if II delermlnes thaI the dolormenl is necessary io avoid a financial
hardship lor mo, Inloresl, howavor, will conlinu' to accrue, '
VII. CANCELLATION FOR TEACHING
(I) I undorstand that upon making a properly documented wrili.n request 10 lh. Londing Institution, lam enUlIed 10 havo up to 100 parcont of Iha amounl of
this loan plu. thalnt.,..t Ihereon canC.lled If I perform selVlco _
, ,
(A) ,.. a 'ull.lI~a t.ochar In a public or olhor nonprolllolomonlory or ucond.ry Ichool which I. In Ih. school dlstrlcl 0' o local aducallonal agoncy
which I. ollolblaln auch Y"ar 01 aorvlca for funda undar Chaplor I of Iho Educallon Con.olld.lIon and Improvom.nl Act of 1081, as amand.d, .nd which has
b.on dlllonat.d by Ih. Secr.lary (altor con.ultallon wllh each Slalo Departmont 01 Educallon) In .ecordanc. wllh the provl.lona 0' IIcllon 465(a)(2) of Ih.
Acl as a .chool wllh a high conc.ntrallon 01 slud.nls Irom low.lncomo f.mlllos, M olflcla' Dlrec\ory 0' da.lonalod low.lncomo schools I. publlsh.d onnuolly
by the Secrolary.
(B) ,.. a full,lImo t.acher 01 handlcappad chlldron Oncludlng thoso who aro manlally rOlardod, hard 01 hllrlng, deal, .paach and languagolmpalrod,
vl.uolly handlcappod, .orlou.'y .mollonally dl.lurbod, orthopodlcolly Impalrod, havo .po.IIIC losrnlng dlllblllllll, or olholWl.o hoalth.lmpalrod chlldron, who
by ro..on Iher.ol requlro .poclal oducallon and rolatod aorvlcas) In a publlo or olhor nonprofllal.monlary or .ocondary school .ystom,
(2) Thl,'o.n will bo concollad for each complolad year 01 toachlng aorvlco al tho followlno rotll:
(A) 15 porc.nl of Ihololal prlnclpalamounl of Ih.loan plu.lnlerlll on the unpaid bal.nco will bo cancoUod for Iho firsland socand complolo acadomlo
yea" ollhsl toachlng sorvlce.
(B) 20 perconl 0' Iho 10101 principal amounl plua Inlorlll on tha unpaid balance for Iholhlrd and 'ourth camplalo acodomlc YII.. of Ihaf loachlng .orvlc.,
.nd
(C) 30 perconl 0' Iho 10101 principal amounl plus Inl.rasl on Ih. unpaid balanc. for Iho filth complalo ocodomlc y.ar of Ihall.achlng a.rvlca,
VIII. HEAD START CANCELlATION
(1) I undOllland thai upon making a proporly documonlod wrlllon roqu..1 to tho Londlng In.lllullon, 10m onllllod 10 hovo up 10 100 poreonl 0' Iho amounl of
Ihl.loan plu'lh. Inlorosl thor.on cancollod III p.rform aorvlco a. alull.llmo atol1 m.mbor In . Hood Slart program II .
(A) Thai Hood Start program I. op.ratod 'or a porlod which I. comparablo to a full ochool yosr In Iho locality, and
(B) My lI'ary I. nol maIO Ihan Iho .olary 01 a comparablo omploy.. of Iholocal .ducallonal agoncy.
(2) Thlaloon will bo canc.llod allh. r.l. 0' 15 p.rcont of Ih.lolal principal .mounl plu. Inlorlll on Ih. unpaid bal.nco for oach camplol. ochool yoar or Iho
.qulvalonl olurvlc. In 0 H.ad Slart program,
, (3) H.ad Slort I. a preschool program carrlod out und.r the Hood Start Act,
IX, MILITARY CANCELlATION
(1) I undorslond thaI upon making a proporly docum.ntod wrlllan roqu..t 10 tho Landing Inslllullon, 10m onllllod to havo up 10 50 p.rcenl ollha principal
amounl of Ihlsloan plu'lh. Int.r.at Ih.raon canc.llad If lurvo 00 a mamb.r ollho Armad Forces of the Unll.d Slolesln an araa 01 ho.IlI1tI.. that quallllos for
ap.clal pay under o.ctlon 3100' Till. 37 01 Iho Unll.d Slal.a Coda,
(2) Thla loan will b. cancellod at the rala 01 12 112 parc.nl of Ih. tOla' prlnclpalamounl plualnler..t on the unp.ld balanca for .ach eompl.la y.ar of auch s.r-
vie.,
, X, PEACE CORPS CANCELlATION
(1) I under'land that upon making a prop.rly docum.nlsd wrlll.n r.qu..t 10 tholsndlng In.lllullon, I am enlllled 10 h.va up to 70 p.rc.nl of the amounl of
Ihlaloan plualh. Int.resllh.r.on c.nc.lI.d III p.rform ..rvlc.-
(A) As a volunl..r und.r Ih. P.ac. Corpa Act; or
(B) As a volunt..r und.r the Dom.sllc Volunl.er Servlc. Act of 1073,
(2) This loan will be canc.n.d at Ih. following rales: ,
(A) 15 parcenl of Ih.lotal principal amount of Ih.loan plu. Inl.re'l on Ih. unpaid balsnce will be cancell.d for Ih. flrsland .acond tw.lva.monlh period
01 voluntsor servlc. compl.led;
(B) 20 porc.nl of th.lotal principal amount of Ih. loan pluslnlere.1 on the unpeld belance will b. cancelled for thelhlrd and fourth tw.lve.month
porlod of volunleer ..rvlc. compl.l.d,
XI. DEATH AND DISABILITY CANCELLATION
(1) In the ev.nt 01 my dealh, Ih.lolsl amount owed on thlsloen will be canc.n.d,
(2) If I becom.lolslly and p.rman.nlly disabled alt.r I rec.lv.lhls loan, the L.ndlno Instltullon will canc,allh.lotal amount of Ihl.loan,
XII. CHANGE IN NAME, ADDRESS, TELEPHONE NUMBER AND SOCIAL SECURITY'NUMBER
I am r.spon.'ble, and .ny .ndoreer Ie re.pon.lbl., lor Inlormlng tho lending In.tltullon of any chano. or chano.aln nam., addr.ss, 1.lephona numb.r or so-
cial .ecurlty numbar.
XIII, LATE CHARGE
(1) Th. Lending Instltullon may Imposa a late charg. If-
(A) I do not make a "h.dul.d payment wh.n It la du., and
(B) I do not submll to Ih8 lending Institution on or befor.'he delo on which payment Is duo, docum.ntallon Ihat I quanfy for a def.rm.nt or cancellallon
descrlb.d In Artlclos VI, VII, Vln, IX, X. and XI 01 this agreement.
(2) No charoa may exc..d twenty (20) percant of my monlhly, bimonthly or qusrtarly payment.
(3) (A) Th. L.ndlng Instltullon may-
0) Add th.lal. charge to Ihe prlnclpallh. day alter the sch.duled r.paym.nt was dus; or
01) Includ. II with Ih. nexl scheduled repaym.nl alter I hsv. r.celved nolle. of thelale charg..
(B) II ths L.ndlng In.tltullon .Iecls 10 add Ih. ass....d charg.lo Ih. oulstandlng principal 01 the loan, II must so Inform me b.fore Ih. dua dale of the next
In.lanment.
XIV, ASSIGNMENT
(1) Thl. note mey b. a..lgned by Ih. L.ndlng Instltullon only 10-
(A) The United Stales;
(B) Moth.r In.tltullon upon my transfer 10 Ihat In.tltullon If Ihallnslltullon I. pertlclpallng In Ihls progrem' or
(C) Molher In.tltution approved by Ih. S.cr.lary, '
(2) The provision. of Ihls not. Ihal r.lat. to Ih. L.ndlng Instltullon shall, whore approprlsls, relat. to an assign..,
XV, PRIOR LOANS
I har.by ce~lfy that I havellsl.d below all of Ihe P.rklns Loan. I have obtaln.d at olher Inslllutlons. (If no prior loans have b..n rac.lved, slala 'None,')
SCHEDULE OF PERKINS LOANS AT OTHER INSTITUTIONS
AMOUNT DATE INSTITUTION
"
2,
3,
4,
XVI. SCHEDULE OF ADVANCES
The following amounls w.r. advanced 10 me under this loan egreemenl on the detes Indlcaled'
" AM~U~bo. 00 ~A1~ 92 SIGNATURE OF BORROWER -/.!; h
2,
~/~
3,
4,
NOTICE TO BORROWER: DO NOT SIGN THIS NOTE BEFORE YOU READ IT, THE LENDING INSTITUTION MUST SUPPLY A COPY OF THIS NOTE
TO YOU AND Am COSIGNE~IThl. nOlels Ilgnad as a sealed Inslrument,!
Slonalur. /.2:,.1.i4J,Y!L fLtv/'/'e/'q [(seal)) Date Q / ~ 0 19 t1l..,
Permanent Addr..s (Slr..ror Box Number, City, Slel., and Zip Code) q 7-()?' 41, L'/Je ~tA"', to'I2nIUQ .v. li II 3 6~
Social Sacur:ty Numb.r (borrow.r musl provld.) I '2. L. - hll - b I b 0 L',T, ' V ,
The borrower and lending Institution shall execute this note without seourlty and without endors~ment unless the borrower Is a minor and this note would not.
under the law of Ih. SIal. In which Ih. Lendlno Inslllullon Is locat.d, cr.al. a binding obllosllon IIlhe borrower Is a minor and Ihls nol. would not therefor.
be leoally binding, Ihe Lending Instltullon shall r.qulr. a coslgnor to Ihls nole:' ,
I agree to repay all amounts due on this loan If the borrower falls to do so In accordance with the terms of the nolo.
SIgnalur. Of Cosigner
Perman.nl Addr.ss (Slr..t or Box Number, City, Slale, Zip Code)
[(sesl)) Date
19_,
(20 U,S,C, 1087dd)
Format by the Nallonal Assoclallon of Sludenl Financial Aid Admlnlstralors, 5/88,
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DICKINSON COLLEGE.
Plaintiff
IN TIlE COURT OF COMMON PLEAS
CUMBERLAND COUNTY. PENNSYLVANIA
v,
CIVIL ACTION. LA W
BRIDGET A. HERRERA.
Dcfcndant
NO, 98-3472
NOTICE OF ENTRY OF JUDGMENT
TO: BRIDGET A. HERRERA
You are hereby notified that on
been entered against you in the above-captioned case,
. 1999, the following Judgment has
DATE:
PROTHONOTARY
A: BRIDGET A. HERRERA
Por este medio se Ie esta notificando que cl de del 199 _'
ellla siguiente (Orden). (Decreto). (Fallo) ha sido anotado en contra suya en el caso mencionado
en el epigrafe.
FECHA:
Protonotario
Certifico que la siguiente direccion es la del defendido/a segun indicada en el certificado
de residencia:
Bridget A, Herrera
136 Smith Street #2
Lowell, MA 01851
I hereby certify that the name and address of the proper person(s) to receive this notice
under Pa, R. Civ, p, 236 is:
Bridget A. Herrera
136 Smith Street 1/2
Lowell, MA 01851
By
F: Stephenson Matthes, Esquire
Attorney I.D, No, 67408
100 Pine Street
p, 0, Box 1166
I-Iarrisburg, PA 17108-1166
(717) 232-8000
Attorneys for Plaintiff
Dickinson College
,~
MCNEES. WALLACt:: tk NUH.CI<
.~
100 PINE !3T1fEET .
...-_.........
~ 0 MO", 11&"
'--'~
I-IARRI511Uno. PA 17100
r--- .
'....4...__......,.......,
DICKINSON COLLEGE,
Plaintiff
IN THE COURT Or: COMMON PLEAS
CUMBERLAND COUNTY, PEN'NSYLVANIA
v,
CIVIL ACTION - LAW
BRIDGEIT A. HERRERA,
Defendant
NO, C;~- j/..ll2
,
~I,~L
.
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice are
served, by entering a written appearance personally or by attorney and filing in writing with the
court your defenses or objections to the claims set forth against you, You are warned that if you
fail to do so the case may proceed without you and ajudgment may be entered against you by the
court without further notice for any money claimed in the complaint or for any other claim or
relief requested by the plaintiff, You may lose money or property or other rights important to
you,
YOU SHOULD TAKE THIS P APER 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,
Cumberland County Bar Association
2 Liberty A venue
Carlisle, PA 17013-3387
Telephone: (717) 249-3166
TRUE' (j;()py FROM REOOAD
In Tlstllnony whereof, I here unto se!my hand
and seal 01 <l IXlrl' t Car1I~Ie, '1" y
T ,f (.L..II. Y- 19-f-'L
~' AVISO
US HA SIDO DEMANDADO/A en corte. Si usted desea defenderse de las demandas que
se presentan mas adelante en las siguientes paginas, debe tomar accion dentro de los proximos veinte
(20) dias despues de la notificacion de eSla Demanda y Aviso radicando personalmente 0 por medio de
un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones
a, las demandas presentadas aqui en contra sllya, Se Ie advierte de que si usted falla de tomar accioll
como se describe anteriormente, el caso puede proceder sin listed y un fallo por cualquie; sllma de dinero
reclamada en la demanda 0 cualquier otra reclamacion 0 remedio solicitado por el demandante puede ser
dictado en contra suya por la Corte sin mas aviso adicional. Usted puede perder dinero 0 propiedad u
otros derechos importantes para usted,
'.
-~
AFFIDAVIT OF SERVICE BY DEPUTY SHERIFF
AUTHORIZED TO SERVE CIVIL PROCESS
NOW COMES Arthur Santos of Lowell, Massachusetts, and states that
he is a deputy sheriff duly authorized to serve process in the
Commonwealth of Massachusetts, County of Middlesex,
That on 9/11/98, at 3:58 pm, he made service of the within
Notice, Complaint and Praecipe by:
Serving a true copy in hand Upon Bridgett A. Herrera at C/O
Office of The Sheriff, 97 Central Street, Suite 200, Lowell,
Massachusetts,
FEE: $50,00
,-, I O-l
(.j' A.('A,i~1 I "" 7-<";'~'> ,
:;- .1""'''';'_'_ - - __ _ ~'-....._ =r._ _~_ _.'_ _ _
'Deputy Sheriff
COMMONWEALTH OF MASSACHUSETTS
MIDDLESEX, ss,
SWORN TO AND SUBSCRIBED TO before me this 14th day of September,
1998,
~~
Notary Public
My Commission Expires: 2/15/02