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Home My WebLink About98-06765 ~ \J.J ~ c..J ,p '7 uJ (jJ ~ 8 ~ ~ ~ €- ~ F J L() .5 r .3 . JUN 1 1 19~9 BROUJOS & GILROY, I'.C. JOliN II. BMOU,OS lfUIIFJtt X. GuJUlY ArJOH:NI;YS Al I.^W 4 NOMrll II^NOVIM STMIH C^RUSU~, Pt:NNSYtVO\NIA 17013 1'.11 "II0N!" (717) 243.4574 I;^C~IMII p.: (717) 2.a3-K227 INlIJCsn, brgIJroypc@t1ul.com Nos-ToIl. 1'01( UAIUCNtURG AMEA 71 7.7h6-I b'll) June II, 1999 The Honorable Edward E. Guido One Courthouse Square Carlisle, PAl 7013 Re: Skidmore v Comeau Dear Judge Guido: Enclosed is the Defendants pre-trial memorandum. A pre-trial conference is scheduled before you on Thursday, June 171h at 10:00 a,m, Sincerely yours, dch Enclosure BROUJOS & GILROY, P,c. ATIOIINIMI AT LAW "NOKrH HANOVIlIl ~ UN 1 1 199111 l:I- CARUS!.8, PBNNSYl.VANIA 17013 J ~ 717.243-4574 766-1690 Plaintiff VUI\I"VI' \; : CUMBERLAND COUNTY, PENNSYLVANIA : NO. 98-6765 v ERIC ). COMEAU, HOPE COMEAU, and MAlA COMEAU Defendants PRE-TRIAL MEMORANDUM Defendants, Eric ). Comeau, Hope Comeau and Maia Comeau, by their attorneys, Broujos & Gilroy, P.c., set forth the following in accordance with Cumberland County Rule of Civil Procedure 21 2-4: In 1994, Maia Comeau started attending Skidmore College in New York. Maia is the daughter of Defendants Eric ). Comeau and Hope Comeau, Maia attended Skidmore for one (1) full year in 1 994/1 995 and for half of her sophomore year, In conjunction with this schooling, both Mr. and Mrs. Comeau and their daughter executed promissory notes for various tuition costs. Maia stopped attending Skidmore in 1995. The Comeaus made monthly payments on this loan through 1997. In February of 1998, Mr. Comeau lost his full time employment. He remained unemployed through August of 1998 at which time he suffered a disabling stroke. Mr. Comeau is now unable to work and is collecting social security disability. Prior to Mr. Comeau's problems, Mrs. Comeau was not employed on a full time basis. She has since sought full time employment. ~ } , Skidmore College has been unwilling to restructure the loan or in any other way compromise the situation to address the Comeaus current unfortunate financial situation. :t: I , :; :;,. 2 With regards to damages, the Comeaus agree with the complaint as it relates to the principal balance owing on the 2 loans, $21,466.00 for one loan and $10,880.00 for another loan. They also agree with accumulated interest claims. ~ t ,r, At Issue Is the claim of late fees and the claim of allorney's fees. It Is admllled that the loan documentation allows for the collection of allorneys fees Incurred. However, the complaint, upon filing, claims allorneys fees of approximately S 1 2,000,00, These fees were calculated at the rate of 33%, The primary issue Is the attorney's fees owing, 3 Defendants do not anticipate any exhibits being entered except the exhibits the Plaintiff would enter. 4 Defendants' witnesses will be Attorney James D. Flower, Jr. who will be called as an expert witness to testify on the issue of attorneys fees In this type of litigation. 5 On settlement negotiations, Defendants have recently tendered an offer to the Plaintiffs in a last ditch effort to get this case resolved. The only other alteruative to the Defendants may be to file bankruptcy. If the case cannot be sellled, Defendants may Institute bankruptcy proceedings shortly before the scheduled trial. Defendants have sought an unsecured personal loan from a local bank and would use the money from that loan to pay the Plaintiff's a lump sum payment for general release of all claims. Respectfully submitted, Hubert X. Gilroy, E Attorney for Def dants Broujos & Gilroy, P.c. 4 North Hanover Street Carlisle, PA 17013 717-243-4574 I'IIM:(~I PI':_ FOR. I,' 1"1' I N(;_.C-^.:;~:_!!J_/{_:rR_I!I!' (Hw,! I., IYI.OWII"..II dlld suIJlliU..(j ill <1111'11".01..) '10 11lE PI<<:mKJN:lI'AHY OF ('lJMIJ/HIANlI <lJINTY JlledBP Ji~.t 0... l,dllJWlllq {"it~i(,: (CIl('('k Olll') IIlI ,HillY 111,11 <II the IIl'X! 1""11 ", {'iviJ courl. ( XX) 101 I n,JI wIlI.,u! ,I JUIY. ..~ - - - - - - - - - - - -, ~.. - -'. - ~- _. -.- _. _. - - -- - -----.-------- CAPTION 01' CIISE (ent ire caplion IlIJS! be :,Iilt<,d in full) ("heck on,,) SKIDl10RE COLLEGE SARATOGA SPRINGS, NY 128GG (XX) Civil l\ction - L.ow l\ppcal from Arbitration (other) (Plaintiff) VS. ERIC J. COMEAU, HOPE COHEAU MAlA COMEAU '" 662 Alexdnoer Spring ROdd Carlisle, PA 17013-9132 The trial list will be called on and Trials comrcnce on (Defcndant) Pretrials will be held on (Briefs are due 5 days before pretrials.) vs. (The party listing this case for trial shall provide forthwith a copy of the praecipe to all counsel, pursuant to local Rule 214.1.) No. Civil €i7a3 19 98 Indicate the attorney who will try case for the party who files this praecipe: Joel M. Flink, Esquire, 1601 Market Street, 34th Floor, Philadelphia, PA Indicate trial counsel for other parties if known: Hubert X. Gilroy, Esquire 4 North Hanover Street, Carlisle, PA 17013 This case is ready for trial. Date: / /\ -1f'1 'J - Signed: () _ r" Print Ni{!-JOEL M. FLINK, ESQUIRE Attorney ~r,skidmore College ( '.1'1 --'I ,,' . , - ~ . t~ , " . i ~. 1 " ...J , - ~-:' .,~) , -d '. , , , . <. , . " ,.' ?-:; -:~J -,:'~ :.:., "- ::.0 -< <l) ." II I JUN 1 4 1999 I ~.~ . SWAlril, C,\I\II'lIt:l.I. & 1lt:T\\'EII.t:I( lIy: IlIU:W SALAMAN. t:SQIIIIU: lIy: JOt:l.l\1. FUNK. ESQIIIIU: hlenllncntion Nos, 15172... 4121111 1601 Mnrkel Slreel. 34lh Flnnr l'bllndeJllhln.I''\ 19103 (215) 299-4370 FAX (215) 299-4301 SKIDMORE COLLEGE '\/lUI'IIl')'5 flll' I'I1IiulilT COllin OF COMMON PLEAS OF ctli\IIIEIU.ANU COUNTY f. t.' ,. v. ERIC J, COMEAU. II01't: COI\I EA I' lInd MAlA COMEAU NO. 98-6765 PIU:TIUAL MEi\IORANUIIM I. Stnlement of Basic Facts. I.iahililv This mailer arises out of balances due 011 tIVO (2) I'lllmissory Notes for Eric and l'lope Comeau as co-borrowers and Maria Comeau as guarantor 1l,I' educational loans, The lotal principal of the two loans was $43,986.00. The loans IVere made in August of 1994 and September of 1995, II, SlatcJllcnt of Basic Facts - UaJII1l2l'S 8/3/94 Loan for $22,000.00: Principal Balance, Accumulated Interest. . Late Fees, . , $21,466,97 1,883.12 150.00 7.833,36 J -i Collection Fees @33 1/3%, Total Due $31,333.45 ~. . ~ It I \, 9/6/95 Loan for $21,986.00: Principal Balance., Accumulated Interest. $10.880.48 965,05 150.00 3.998,51 $15.994.04 $47.327.49 Late Fees, , . . , Collection Fees @33 1/3%, Total Due Total Balance due on both loans, , . , SWARTZ. CAMPBELL & DETWEILER ATTORNeyS AT LAW '1601 MARKET STREET '34r" FLOOR' PHILADELPHIA, PA 19103.2.316 III. l'rind,,"1 h~lIt~ Whelher the interest ealculalions and ealculalions of colleclion Ices ale wlreet .lI1d in II I i I accord.lI1ce wilh the Noles, IV, I.eenl h~lIe~ Whclher 33 1/3% is a reasonahle and appropriate wlleclionlce V. Witnt~~ts 1. B1anchc Konkcl - Admin. Assl 2 t\lark ('ouher - Assoc DireelOr, 3. Christinc Slamsta - Bursar .1 Philip ('il;uelli - Dil Of Fin. Serviccs and Asst Treasurer VI. Li~t of F.xhibils I. Notc daled 8/3/94 2. Notcd datcd 9/6/95 3. Statcmcnt of Account. VII. Stntu~ of Sclllemcnt Nceotilll;ons Dcfcndants sought paymcnt schedule. Plaintilr agreed to allow thcm to continuc on with paymcnts undcr thc Notcs as scheduled so long as the Notes were hrought curren I requiring a paymcnt of in excess of$8,862,70 (this was the ligure as of January, 1999), SWARTZ. CAivlPBELL & DETWEILER Dated: , {Co {" -/0 '1"' ~ . BY _ Sl~ jp /'- .7 SA "^MA;'~U[RE JOE tv! FLINK, ESQUIRE , , l i' r' /dlb SWARTZ, CAMPBELL & DETWEILER ATTORNE:YS AT LAW 'IGOI MARKE r STRE[T '3_ITH FLOOR' PHILADELPHIA. PA 19103231"-' LAW OH'ICES SWARTZ. CAMPBELL 0. DETWEILER JUM \ It 1999 W('\l()..,..u...rl',,.,,, 9'9 "''''''''f' .....If. "0 fHlI JIO .'l,,".'jl,lC,.. (.f ,'it"~'__ 'IOI'fI"""'IiII"l lil. 'H)"~"''-I'''''' ICOI ""A.r~KrT :.Tr..rET ",I" ...'.. ..'......11' .. '. ..... ......., n I'A, 1An~ . l"f,'-"" '.' ','..IM't(H .... !. ">t.. ..... ,~"),.. "1. '.', "" ".0'.. ~,,,. ' I.. '...,...'.1....' .,.......'..'1.111 II. ... I," "1 ", i'.n , ,., "j ".>I'f ,'...~:..., ~" '/ ',,": r I . ..."......,., It if',' '''''. r.. .AIO.. . (, , I" I~'''''' \,11') .. .... ,,,.(). :,19'" 'OV1 W',V,. ,... 190f>.1 '6'0' 1\..... 91" ,.". 115tO'l}66 'l!a' .., >,,'il ',I", ! I".r. DH' ',01 ....'1<.. '." .., ," r.. 'n(l~" .~, 0"". ["'Oil"S' CO'.J'" 10 fUJIl"-ir.... ......1 *(~f CHUH[R PA, rV.lRO .80'\1. j1510t fUI~g~OO rAil !lSlOI (\'01" "1))6 ,to, t, 'f '....~ I "'0'1' o;,'R((' ".)iI, ',ft"..O ,.... ''''01 ", ,. ~_13 3"1~ '.. '~"'I'..l3,).e8 !l4.......,>,,{1l':. f>-.. f l(:~'" lO'I ",I'UuCI S'llrr.1 <,[:Il"'",!('." "4 'ti!>03 ;!,>1~), .1...) 000":'..- I.... ,.., '0' ~l4:J '">_'" "'J'6~ ".w(Or STA[[T ',.-IUII"; 1 0...."4 ~. 10401 '610' ~'"1 "151!!. Jlllle 9. 19<)<) I)'h.~t \:.. I~ I ~I ~'N." \711 The Honorable Edward E Guidu Prothonotary Cumberland County Courthollse I Courthouse Square Carlisle, PA 17013 Re: Skidmore College v, Eric ,I. ComclIu, IIOflC COIIIl'lIU .11I11 i\lllill Comellu ecp. CUlllherlarll' COIIUtv, Nn. 98-(,7(,5 Dear Judge Guido: Enclosed please find Plaintill' Pre-triall\lel11urandlll11 in the above rclercnced maltcr, Vcry truly YOllrs. SWARTZ. CAMPBELL & DETWEILER ~ ~_V) __ J.cl~.~ JMF/dlb Enclosure cc: Hubert X. Gilroy, Esquire (w/encl.) BROUJOS & GILROY, P.c. 4 North Hanover Street Carlisle, P A 17013 S\I'ARl"l. (,A~II'IIEI.I. & IlET\\'UI.UI II)': IlREW S,\I.MI,\N, ESQl1IIIE B): Jm:l. M, "'.IN", ESQUIIIE I,ll. NOS. 151n & ~121111 1601 Murk.' Sir.." . .\411. .1uur Philudolphlu, PA 1911I.\ (215) 299-13711 FAX (215) 299-1.\01 SKIDMORE COLLEGE SARATOGA SPRINGS, NY 12HC.C, v. ERIC J. COMEAU, HOPE COMEAU MAlA COMEAU 662 ALEXANDER SPRING lWM) CARLlSLE,PA 17013.9132 ',. TillS IS AS ,1II1I1TII,HIOS (',\SE, ASSESS\IE:-OT OF 1l,\\IAI;ES 11E,\IIISI; SOT REQIIIIIEIl, ,\lttlrlll'" fur IJlilinlirr COIIIH OF COMMON I'LEAS OF ('U\lIlERLANIl COUNTY 1':0. 15'- t/us &~L~ CO\U'L,IIST l"h'il Al'liulI NOTICE YoulmVl: hc:c:n sued in l.:llurt. If YOII wj~h III tldi::nd "gainst the c1l1illlS set forth in the ftllltlwill~ pagl.!s, you must tllke iIl.:liun within 1\\.'~1I1)' (20) (I.tj's after this complaint ,tIld nut ice ure served. h)' cllkrill~ 1I written appC:Olr:.lIlce perslIImlly tlr hy ,Illuflle)' alll! tiling in writill~ with the court your d\."fclISCS Of objections to the chlims 5d forth :lj;ainsl yuu. YIlII arc warned that if you thil In do so the case lJIay prucc.:d without you and Ii judgm~l1t may ht: ~lItr:rt'llll~,linst you by th~ court without furth~r nnticl;.! tilr ,Ill)' 1Il1l11l:Y cl:.timed in the compl<lint or tllr any other d,lilll or relief re(luest~d by the plaintiff, You lIIay lose lIIulIey or property or other rights important to you. This ,ulll any future communication from (JUr tirm are Hltt'lIIpts to collect a debt :nul inllmllOltioll ohlOlinctl will he used for that purpose. YOU SHOULD TAKE THIS PAPER TO YOllR 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. AVISO Le h,lIIlh:nwlul,u!u ;, lIskd ell 1a Cllrt~. Si listed llllll'rl' dcf~'lHlcrst' de t'slil." dClIlillll!,IS expllesl,ls ell Ius p.i~illas .'ii~lIiclItcs. u.'iled liene vcintc (20) di,ls de plilW <II partir de Iii I~chil de 1,lllelll,mdll y 101 Iltltitk,lI:illll. Hace tillta ..s~nt,lr 111101 cumparellcia ~'scril.1 II ~'n Ih:rsllna II COlIllll ilhll/;ouln y clltregar a hi cllrh: ell furm,' cscrita sus defellsas () sus ohjeciol1es it I,IS delll;lIlllas ell contra de su (l~rSl)l1a. S~3 Hvisllllo (IUC si uskd 11(1 sc dcticnde. In corte tomuni medidas y Pllede i,."ontiuui\r 101 delll,lllda ell cnutm suya sin previn ;Iviso U IlCltitk"ciol1. Adell1;is. la corte puede dccidir a tilVor dd demantlante y requicre que listed cllmpla COil t"das !;IS provisillllCS de eSlil dcmanda. Ustcd puede pertlcr dilleru CJ sus propicdatl~s U otros dcrechos illlporl,lI1tcs P;lt:l listed. Est~ y algo cUlI1unic<lcion fuU!w de nclleStw ellll'resa SOI1 c{Jllatos collectar ulla lIlIeda. y I.. infnl'ln,l\:ioll que 10 ohtcnga ;Isura :tI ese efectll. LLEVE ESTA DEMANDA A UN ABOGADO IMMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TJENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO. VAYA EN PERSONA OF LLAME POR TELEFONO A LA OFICINA OUY A DIRECCJON SE ENCUENTRA ESCRITA ABAJO PARA A VERIGlIAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. CUMBERLAND COUNTY BAR ASSOCIATION 2 LIBERTY AVENUE CARLISLE PA 17013 (717) 249 3166 f.,; " '" i.. ~" ", ;.', wt ~lL\U~'u\J",'\'r I. Thc partks arl' \<'1 "nth in thc aho\'(' l'aplionl''', 2. "or valllc rl'(:cil'"" from plaintiff. (k'kn"ant(sJ C\l'l'lIll'" thc promissory nolcs and !:lIar.I/lIy .lIIncxcd h,'rl'lo as I:xhihil "A". J, DcspilC dl'llIand. said in\trllIllCnl.\ havc nol hl'cn /1;\i" in al",'onlancc wilh thcir tcrllls Icaving a bal;IIlCc dllc ;In" uwing of $-17,.\27.-19 as 1lI0rc folly sclli.lrIh in pJaillliff's stalcmcnts of ace 011 Ill, troc and corrcct copics of whidl arc al1l1cxl'd hcrcto as Exhibit "B" and madc a part hereof. WHEREFORE, Plaillliff dClllands jlldglllcnl againsl Ihc dcfcndant(s) in the S\lJll of $47,327.49 pIllS costs and inlcrcst. SWARTZ, CAMPBELL & DETWEILER Datcd: /I - 1- 0 ..q I z/'~ l3y: JOEL r.. . FLINK, ESQUIRE DR"SALAMAN, ESQUIRE Idlb 1,1 \ \ ," ,. (. \~''''t4. Y.EBlElCATIO.N Understanding that false statements herein made subject to the penalties of 18 Pa.C.S, Section 4904, relating to unSWI)m falsification to authorities, I verify that I am an authorized representative of plaintiff, and that the facts set forth abovo are true and corroct te the bost of my knowledge, information and belief. ~/) /// A .~ , .- .....' ~' " / LAW OFFICES SWARTZ, CAMPBELL & DETWEILER MCLLON B"'N~ CENTER 919 MAR~ET STREeT P.O. BOX 330 WIL.MINGTON. De 19999 (3021656.5935 FAX: 13021656.1434 160' MARKET STREET 34'" FLOOR PH1LADtL.PHI.... P'" 19103.Z:U6 12151564.5190 FAX: 12151239-4301 !l3 NORTH Du~t STRttT LANCASTER. P'" 17602 17171396.6734 f'AX: 11111 293.8901 606 E. BAL.TIMORE PI~E MEDI.... P'" 19063 16101566.9222 F"'X: 1(10) 565.9531 BLOOM COURT SUITt 101 1300 ROUTE 13 MT.LAURE.... NCW JERSCY 09054 16091727-4717 fAX: 16091127.0464 5100 TlL.GHM...N STRttT SUITE 230 ALLENTOWN. P'" ISl04 IGI01395-S903 f'AX: 16101395.7091 E:MBASSY COURT 29 TURNER LANE WCST CHeSTER. P'" 19380.4905 16101 692.9500 FAX: 16101692-4936 BAN~ TOWERS 6'" FLOOR 321 SPRUCE. STRceT SCR"'NTON. PA 19503 (7171343.oo29 FAX: 17 171 343.1534 2060 LINGLtSTOWN RO"'D SUITt 202 HARRISBURG, P'" 17110-9483 (711) 640-9671 FAX: 17171 640-15481 622 sweDt STREtT NORRtSTOWN. PA 1940 I 115101277.1575 - Namc of Studcnt: M,liil R. CamPilU ("Student") Skidmorc College North Broadway Saratoga Springs, NY 12866-0851 PROMISSORY NOTE !/We promise to pay to Skidmorp Colleoc (the "Institution"), or order, the sum of Tw<>ntv Two Thoullllnd Dollars ($22000.00) or such lesser amount as I/we have borrowed as indicated on the books and/or records of the Institution (the "Loan Amount"), together with interest thereon as set forth below. I/we understand that the Institution may sell, assign or transfer this Note to another party. The Institution or any other !larty who takes this Note by sale, assignment or transfer and who is entitled to receive payments unde~ this Note is called the "Holder" . TERMS, CONDITIONS AND DISCLOSURES 1. Loan Amount. The Loan Amount shall fOlloWing dates: (i) $11000.00 on 09/01/1994; 01/16/1995; and (iii) $0.00 on N/A. be advanced on the (ii) $11000.00 on 2. Interest. Interest shall accrue on the unpaid balance of the Loan Amount at an annual rate of 6.950%, beginning on the date of each disbursement of principal referred to in paragraph 1 of this Note and continuing until the Loan Amount has been paid in full. 3. PaYment Terms. I/We will make a payment of interest only on the unpaid balance of the Loan Amount commencing on 10/16/1994 and on the li day of each month thereafter to and including 01/16/1995. Thereafter, I/We will make payments of principal in 180 consecutive, substantially equal monthly installments, together with interest on the unpaid balance of the Loan Amount, commencing on 02/16/1995 and.on the 16 day of each month thereafter to and including 01/16/2010, when the entire unpaid balance of the Loan Amount, together with the accrued and unpaid interest, shall become due. 4. Late Charoe. If the Holder fails to receive any payment required by this Note within 15 days of its due date, a late charge of $25.00 shall become immediately due and must be paid no later than the due date of the next scheduled payment. 5. ApPlication of PaYments. Each payment under this Note shall be applied by the Holder first to the payment of any late charge (s), then to the payment of accrued interest and then to the payment of the Loan Amount. 6. PrepaYment. I/We may orecay the Loan Amount in whole or in part at any time without per.~lty. 7. Place of Pavrnents. All payments under this Note shall be made to the Holder c/o EduServ TechnOlogies, Inc., P.O. Box 70095, Charlotte, N.C. :8272-0095,:", to a different place if requi,red by the Holder, 8, !:;ertification. I/We certify that (i) the entire proceeds of this Note will be used for the tuition and/or related educational expenses of the Student, (ii) the Student is not in default on any Federal or other educational assistance loan, and (iii) the Student has not failed or refused to refund any educational grant required to be refunded. 9. Default. I/We understand that if (a) I/we fail to make any payment requil'ed under this Note within 30 calendar days of its due date or (b) any certification I/we made in Section 8 of this Note proves to have been materially false when made, the entire unpaid indebtedness, including the Loan Amount and all accrued interest thereon, shall, at the option of the Holder, become immediately due and payable and, at the option of the Holder, the anuual rate of interest charged on the unpaid balance of the Loan Amount may be increased to fourteen percent (14 'l<) , and !/we will be required to pay all attorney's fees, collection agency fees, and other costs and charges necessary for the collection of any amounts due under this Note. 10. Credit Bureau. If! am/we are determined to be in default under the terms of this Note, the Holder may disclose that I/we have defaulted along with other relevant information to credit bureau organizations. 11. Notices. Unless applicable law requires a different method, any notice that must be given to me/us under this Note will be given by delivering it or by mailing it by first class mail to me/us at the address set forth below or at a different address if I/we give the Holder a notice of my/our different address. 12. Oblioations of Persons Under this Note, If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. The Holder may enforce its rights under this Note against each person individually or against all of us together, This means that any one of us may be required to pay all of the amounts owed under this Note. 13. Waivers. I/We and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the. right to require the Holder to demand payment of amounts due. "Notice of dishonor" means the rig!:' ) require the Holder to give notice to other persons that amo, due have not been paid. Governino Law. This Note shall be governed by and d in accordance with the laws of the State of New York. cons l:i. Consent to Jurisdict ion. I/We consent to the personal jurisdiction of all courts in the State of New York in any action brought to collect or enforce this Note. IL ' ~ DISCLOSURB BTATEIIBNT RBQUIRED BY FEDERAL LAW Creditor Skidmore Collea~ Loan Amount $21906.00 Borrower (a) Eric J. Comeau Student Maia B. Comeau If any payment is not received within IS days of its due date, a late charge of $25 will become due. In addition, if a default occurs under the Promissory Note and the Creditor elects to accelerate the entire unpaid principal indebtedness, the creditor may increase the interest rate to 14\ per annum. , I I, I " I " I " I " I " I " I " I " I II I I' I 1 I , I I I I I I I I I I Late Charae: I I I I I precavment: I I I I I I e means an estimate I ANNt1AL PERCENTAGE RATIl The cost of credit as a yearly rate 7.3H ~ Date: Qj/06/U Com",.,u. non~ d m cJ.. ~Wr\. h~/r 01 TJlr WM (/JiJc-e/~c( CU 1-1), dIU.'. iU your ,r- " p " C " " C;luJ.e,A 1/ r II = ai AOPJ(v 10, '7'i'3.00 II $ Not- d/.9rC_ ''-- 539294.87 ~ YOUR PAYMENT SCHEDUL , No. of I PaYments I I I I I I I I I 1 3 28 1 179 Varying Varying Varying Varying Total of paymonto jit The amount you will have < len PaYments are Due from from from from $36.05 $58.93 $115.60 $220.50 $197.00 to to to to $56.05 $78.93 $135.60 $240.50 11/15/1995 12/15/1995 03/15/1996 07/15/1998 08/15/1998 to 11/15/1995 to 02/15/1996 to 06/15/1998 to 07/15/1998 to 06/15/2013 If you pay off early, you will not have to pay a penalty. You should see your contract documents for any nonpayment, default, any requirert repayment in date, and prepayment penalties. additional information about full before the scheduled Itemization of Amount Financed: ,_-:n r-r--. '", 'r:': .-"". , _ I I i~'.~.L.,j " I ~ Amount credited to StUdent's account Less prepaid finance charge Amount financed acknOWledge receipt of a copy of , 19.2i.: orrower The numerical disclosures labelled as estimates are will graduate on a certain date. These disclosures otherwise leaves school earlier than we anticipate. $21986.00 $ 659.58 $21326.42 Bo rower our assumption that the StUdent if the Student graduates or Name, of Student: Milia B. Comeau ("Student") Skidmore College North Broadway Saratoga Springs, NY 12866-0851 PROMISSORY NOTE I/We promise to pay to Skidmore Colleqe (the "Institution"), or order, the sum of Twentv One Thousand Nine Hundred Eiqhtv Six Dollars ($21986.00) or such lesser amount as I/we have borrowed as indicated on the books and/or records of the Institution (the "Loan Amount"), together with interest thereon as set forth below. I/we understand that the Institution may sell, assign or transfer this Note to another party. The Institution or any other party who takes this Note by sale, assignment or transfer and who is entitled to receive payments under this Note is called the "Holder". TERMS, CONDITIONS AND DISCLOSURES 1. Loan Amount. The Loan Amount shall following dates: (i) $10993.00 on 10/01/1995; 01/22/1996; and (iii) $0.00 on N/A. be advanced on the (ii) $10993.00 on 2. Interest. Interest shall accrue on the unpaid balance of the Loan Amount at an annual rate of 6.950%, beginning on the date of each disbursement of principal referred to in paragraph 1 of this Note and continuing until the Loan Amount has been paid in full. 3. Pavrnent Terms. I/We will make a payment of interest only on the unpaid balance of the Loan Amount commencing on 11/15/1995 .and on the 15 day of each month thereafter until the first to occur of (a) the graduation of the Student from the Institution, (b) the withdrawal or expulsion of the Student from the Institution, or (c) 05/31/1998 (the "Separation Date"). Thereafter, I/we will make payments of principal in 180 consecutive, substantially equal monthly 'installments, together with interest on the unpaid balance of the Loan Amount, commencing on the 15 day of the first month after the Separation Date and on the 15 day of each month thereafter to and including 06/15/2013, when the entire unpaid balance of the Loan Amount, together with all accrued and unpaid interest, shall become due. 4. Late Charqe. If the Holder fails to receive any payment required by this Note within 15 days of its due date, a late charge of $25.00 shall become immediately due and must be paid no later than the due date of the next scheduled payment. 5. Apolication of Pavments. Each payment under this Note shall be applied by the Holder first to the payment of any late charge (5), then to the payment of accrued interest and then to the payment of the Loan Amount. 6. Preoavrnent. I/We may prepay the Loan Amount in whole or in part at any time without penalty. .. required by the Holder. B. Certification. I/We certify that (i) the entire proceeds of this Note will be used for the tuition and/or related educational expenses of the Student, (ii) the Student is not in default on any Federal or other educational assistance loan, and (iii) the Student has not failed or refuoed to t'efund any educational grant required to be refunded. 9. Default. I/We understand that if (a) I/we fail to make any payment required under this Note within 30 calendar days of its due date or (b) any certification I/we made in Section 8 of this Note proves to have been materially false when made, the entire unpaid indebtedness, including the Loan Amount and all accrued interest thereon, shall, at the option of the Holder, become immediately due and payable and, at the option of the Holder, the an~ual rate of interest charged on the unpaid balance of the Loan Amount may be increased to fourteen percent (14%), and I/we will be required to pay all attorney's fees, collection agency fees, and other costs and charges necessary for the collection of any amounts due under this Note. 10. Credit Bureau. I f I am/we are determined to be in default under the terms of this Note, the Holder may disclose that I/we have defaulted along with other relevant information to credit bureau organizations. 11. Notices. Unless applicable law requires a different method, any notice that must be given to me/us under this Note will be given by delivering it or by mailing it by first class mail to me/us at the address set forth below or at a different address if I/we give the Holder a notice of my/our different address, 12. Obliqations of Persons Under this Note. If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. The Holder may enforce its rights under this Note against each person individually or against all of us together. This means that any one of us may be required to pay all of the amounts owed under this Note. 13. Waivers. I/We and any other person who has obligations under this Note waive the rights of presentment and notice of dishonor. "Presentment" means the right to require the Holder to demand payment of amounts due. "Notice of dishonor" means the righ: J require the Holder to give notice to other persons that amOL due have not been paid. cons Governinq Law. This Note shall be governed by and d in accordance with the laws of the State of New York. 1~ Consent to Jurisdiction. I/We consent to the personal jurisdiction of all courts in the State of New York in any action brought to collect or enforce this Note. STATEI\1 ENT OF ACCOIINT (8/3/94 1.0:11I) Principal Balance Accumulated Interest Late Fees Collectionl'ees @~J 1,1/% Tolal Due $21.46697 1,88l12 15000 7 8JJ J(, $J UJJ 45 SWARTZ, CAMPBELL & DETWEIL.ER ATTORNE:YS AT LAW 'IGOI MARKET STREET -34ft. F'LOOR. PHILADELPHIA, PA 19103.2316 ST^n~H;~':U)EM.:..cill'l'iT (I)/(,/')~ l.lIl1n) Principal Balance Accumulaled "llell'st LaIc Fees Collection fees @.1.l 1/,1% Total Due SIll,XXO ,IX <)(,~ O~ I ~O 00 \IJIJX ~ 1 _._~__c__ $1 ~.')lJ,1 /J.1 SWARTZ, CAMPBELL & DETWEILER ATTORNeyS AT LAW '11:;0, MARKE;f STREET '34T1l f"LOOR' PHILADelPHIA, PA 19103.2316 I , " r " ~ // 1/.--; . ~JA;p-~..,.< ~.. :.f,A ~~"'-' l~\kLt,~ , ;i' 'l~ A..L.,(..~ H<-G..<-,,-- ~. 9? - C+t'-'-' Q. n....(!.t........ ,(,~Zi ~ BROUJOS & GILROY, P.c. A1T01lHIl't'S AT LAW 4 Noml HANOVIlII1UIT CARlJSLB,' PIlHNiiJ.VAHIA 17013 717'W-4514 766-1690 n... ,-v,",t.cvr.,' Plaintiff . "","'1<1".. \"vu". VI ....v,.."...". : OF CUMBERLAND COUNTY PENNSYLVANIA v ERIC J. COMEAU, HOPE COMEAU, MAlA COMEAU, Defendants : NO. 9B - 6765 CIVIL Notice To: Skidmore College c/o Drew Salaman, Esquire Schwartz, Campbell &: Detweiler 1601 Market Street - 34'" Floor Philadelphia, P A 19103 You are hereby given notice that you must file a response to the within new matter within 20 days of receipt thereof or judgement may be entered against you, (cl (ul ~ 6 Date tAl Hubert X. i1roy, quire Broujos &: Gilroy, P.c. 4 North Hanover Street Carlisle, PA 17013 7. The imerest calculation alleged by Plaimiff's is incorrect and should be a lower amount. 8. Defendants are not responsible for any late fees, WHEREFORE, the Defendams request your honorable (ourtto emer an order dismissing Plaimiff's Complaint, By: ubert X. G' oy, Esquire Brouios &, ifroy, P.e. 4 North Hanover Street Carlisle, PA 17013 (717) 243-4574 W.: wril) Ihallh.: ,lal':l11cnt, iliad.: inlhc ",r.:going dOClllIIC/ll ar.: In,,' and corr.:c!. W.: llnd.:Nal1d that titl"" ,lal':I11':I1I' h.:r,'in arc l11ad.: SIlt>j':Ctto thc ""'ll:lllks or I H 1'1\. ('.S. Scction "''Ill"' rdating to UI1SI\Onl ti.lsilkatiun tll mllhurili.:s. DATE: 1(1. / ) '1 /~,} ..__._~-_._--'-L_~_ i',,<< J 1,-,....- ---_._._------~--,---,~..._-- .-..,----.-- J:ric J. ('ol1wau DATE: I? I ?' I (i'/ ~ I' }) ..' i ~. " h Maia Comeall I 'I . / / /.3 ,,(1.\ DATE: J:f::wjJJ'- 1 ~~.) /' _/ ! 0_G:"--:'1.il z/ c ~ , . (. e CUIII.:ml r , , ~k, SWART'-. CAMPllt:U, & Ilt:n\'t:II.Elt lIy: DREW SALAMAN. t:SQlJIIU: By: JOEl, M. FUNK. t:SQlIIRE Idenliliralion Nos. 15172 & 41200 1601 Markel Slreel, 34th Flour Philadelphia. PA 19103 (215) 299-4370 FAX (215) 299-4301 Allurlll'Ys fur 1'llIintiff SKIDMORE COLLEGt: COURT OF COMMON I'U:AS OF CUMBERLAND COUNTY v. ERIC J. COMEAU. II0PE COMEAU and MAlA COMEAU NO. 98-6765 REPLY TO NEW MA'ITER 4. Denied. Denied as not requiring a response. 5. Admitted in part, denied in part, Admitted that ~9 allows for the recovery of attorney's fees. Denied that it allows only for the recovery ofattorney's fees, 6. Denied. To the conlrary, the collection and attorney's fees being charged are the fees actually being incurred by Plaintiff. 7. Denied. Plaintiff avers that all interest is properly calculated. 8. Denied. The Note speaks for itself. WHEREFORE Plaintiff demands judgment in its favor and against Defendants in the full amount demanded in the complaint. SWARTZ, CAMPBELL & DETWEILER ;' 'Ie? Date: } - 2-) -' :'.'c 1/71 '{)/\J" DREW SALAM AN, ESQUIRE . )OEL M. FLINK, ESQUIRE BY: Idlb SWARTZ. CAMPBELL & DETWEIL.ER ATTORNE:YS AT LAW '1601 MARKET STREET ',J<lTH FLOOR' PHILADELPHIA, PA 19103.2316 'I , Vf:nIFICt\T/ON Subject to the penalties of I H I'a (' S t\ Section 4'J09. the undersigned verilies that " i, :i i I, I' Ii /: (I) he is the allOrJley of record ti,r the pany indicated in the .ulllewd pl.'ading. (2) said pany is located uutside the jurisdiction ufthis court, (3) he is authorized to take this allidavit on said party's behalf: (4) the exigency offiling this pleading today is such that there is a likelihood ofinadequatc lime 10 obtain said party's own verification without the accrual of prejudice; " ii " II II I i , I I (5) the facts set forth in the annexed pleading arc true and correct to the best of his information and belicf; (6) the source of said information and belicfis his said client. J. ./ /1 ') rL", ,JOEL 1\1. FLINK, ESQUlnE SWARTZ, CAMPBELL oS. DETWEILER ATTORNEVS AT LAW '1601 MA~KET STREET >.)4TH F'LOOR. PHILADELPHIA. PA 19103-2316 I I! Ii II II I SWARTZ. CAI\IPIlELI. & UETWt:II.ER Ily: UREW SAl.AI\IAN. t:SQUIIU: By: JOEL M, FLINK. ESQUIRE Idtnlilication Nos. 15172 & 41200 1601 Marktl Slrccl, 341h Floor Philadelphia, PA 19103 (215) 299-4370 FAX (215) 299-4301 AlIorntys for 1'llIinlilT SKIDMORE COLl.EGt: v. ERIC J. COMEAU. HOPE COMEAU and MAlA COMEAU COURT OF COMMON I'I.EAS OF CUI\\IIERI.AN\) COllNT\' I I r 1'.. i'.' " NO. 98-6765 CERTIFICATE OF SERVICE I do hereby certify that service ofa tme and correct copy of Plain tilT's Reply to New Matter was made on January 21, 1999, to the below named by United States Mail, postage prepaid. Hubert X. Gilroy, Esquire BROUJOS & GILROY, P.c. 4 North Hanover Street Carlisle, P A 17013 Date: /. 2 1 _tl'l /dlb -) SWARTZ, CAMPBELL & DETWEILER ~~ /'] ./ By: : .,.,/' /Z t JO~ 'M. FLINK, ESQUIRE ,DREW SALAM AN, ESQUIRE . / ,/ I ! ~ ) \ , I \ : '1 j; ;.1 ,i 'I: ,I.;, :','d. SWARTZ. CAMPBELL. &. DETWEILER ATTORNE.YS AT LAW '1601 MARKET srREE:T '34TH FLOOR' PHILADELPHIA, PA 19103.2316 ; 1 I j, ~ , I. 1I .' I ,I.' " ir:J, ,t,-; I :: '* , ' I , I -": " ,./" , u"r.,~i:"" '---,>;:~ ---" -- , " '-~ \ - "{.~,i ~~~;,.-:" :,", . CIIRISTY L. GIWIIlIHT, Plaintiff IN TIlE COURT Of' CXJMMCtol PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA : vs. NO. 98-6890 CIVIL TI'.RM RYAN E. ISKIUC, Defendant CIVIL IIC'l'ION - LIIW : CUSTODY OODER OF <XXJRT ANDlO/, this 1.2..) day of :r2))u~.:) consideration of the attached custody Conciliation RepOrt, and directed as follows: I 1999, upon it is ordered I. The Mother, O1risty L. Gephart, and the Father, Ryan E. Iskric, shall have shared legal custody of Ryan Eugene Gephart, born November l6, 1998. Each parent shall have an equal right, to be exercised jointly with the other parent, to make all major non-emergency decisions affecting the Child's general well-being including, but not limited to, all decisions regarding his health, education and religion. 2. The Mother shall have primary physical custody of the Child. 3. The Father shall have partial physical custody of the Child on alternating weekends on both Saturday and Sunday from 10:00 a.m. until 6:00 p.m., beginning Saturday, January 23, 1999. In addition, the Father shall have custody of the Child every Tuesday from 3:00 p.m. until 7:00 p.m., beginning January 19, 1999. 4. The following holidays shall be divided into two parts, with the first part running from 10:00 a.m. until 3:00 p.m. on the holiday and the second part running from 3:00 p.m. until 7:00 p.m. on the holiday: Christmas, Thanksgiving, Easter, Memorial Day, July 4th and Labor Day. The parties shall determine which party shall have the first or second part of each holiday by mutual agreement. 5. The Father shall have custody of the Child every year on Father's Day and the Mother shall have custody of the Child every year on Mother's Day, with the specific times to be arranged by mutual agreement of the parties. 6. The holiday custody schedule shall take precedence over and shall supersede the regular custody schedule. 7. The Father shall not take the Child to his place of employment during the Father's work hours. 8. The party receiving custody of the Child shall be responsible to provide transportation for the exchange of custody. 9. Neither party shall use illegal drugs or alcohol during his or her periods of custody with the Child. 10. In the event ei ther party intends to take the Child out of town, that party shall provide advance notice to the other party and a telephone number where that party can be reached in the event o( an emergency. 11. ~li8 Order is entered pursuant to an agre~nent o( the parties at a Custody Conciliation Conference. '['he parties n.1Y nodHy the provisions of this Order by ~Jtual consent. In the absence ot mutual consent, the terms of this order shall control. BY TilE COOHT, Bryan S. Walk, Esquire - Counsel for Mo Ryan E. Iskric - Father J. cc: _ eeJ~.v,,"l..(~&cL ,/.;I."5/q'l )',,1'. Ed....'drd I.;. !:llld!!, .1. Joel M. Flink, Esquire 1601 Market Street 34th Floor Philadelphia. PA 19103-/.31(, Hubert X. Gilroy. Esqu i l"e 4 North Hanover Street Carlisle, PA 17013 (', f'" .. ",..,4... ,'/J.}1'1. .\ l' :lfh .' :-.. lJ, l1POlll'il)'lIll'IIII'IIr'.tlillll 10 I'Ma!:r;lph I. /'Iaillliff ,hall rile a I'raecipe 10 Sellle, Discolllintle and bill a, It. Eri.: alld I/ol'e ('Ollll'illl (111)'. UpOIl ':Olllplelioll of all of Ihe afilrcfllenliolll'd pa)'IlIl'II1\. I'lailllif" will providl' 10 ~Iaia ('ollll'all I'riledpe 10 Salisfy Judglllelll. /0. Thi, SlipuJ,i1iolllllil)' 1101 he IIltl(lifi,'d c.\'cl'pl ill \\'[ilillg signed h)' bolh parlies. SK/f)MORE COLLEGE Dale: /o!tJ hi , I BY: Dale: 9- 7 - Y'( BY: ~'~ c~ ERIC COMEAU Date: ?-?-fi Dale:~ Irl/nl~ ~~ MAlA COMEAU BY: .> ~ '" tJfJ / Approved this day of ~ . ~M/ and ORDERED Ihat judgment is hereby enlered ,Igainst ,Maia Comeau ill tile amount of $43,455.13 plus interest. .^ B~ ~.~ 03 -6{. '0 I ~KS