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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
GreenPoint Credit Corp.,
No. 1'1- 7(73
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Complaint in Civil Action - Replevin
Plaintiff,
Filed on behalf of:
GreenPoint Credit Corp.
v.
Counsel of Record for this Party:
Shelton A. Epperson and Tina M.
Becker,
Erin P. Dyer, Esquire
PA 10 Number: 52748
2021 Murray Avenue. Suite B
Pittsburgh. PA 15217
(412) 422-8975
Defendants.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
GreenPoint Credit Corp.,
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)
)
)
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CIVIL DIVISION
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Plaintiff,
No.
v.
Shelton A. Epperson and Tina M.
Becker,
Defendants.
NOTICE
You have been sued in court. If you wish to defend against the claims set forth in
the following pages, you must take aclion 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 a judgment 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 PAPER TO YOUR LAVVYER AT ONCE. IF YOU DO
NOT HAVE A LAVVYER OR CANNOT AFFORD ONE. GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013
(717) 240-6200
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA
GreenPoint Credit Corp.,
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)
)
)
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CIVIL DIVISION
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Plaintiff,
No. '7.F-?,I.r] t~L:<f
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v.
Shelton A. Epperson and Tina M.
Becker,
Defendants.
COMPLAINT
COUNT I - REPLEVIN
AND NOW comes GreenPoint Credit Corp., by and through its attorney Erin P.
Dyer, Esquire and avers the following in support of its Complaint in Replevin:
1. GreenPoint Credit Corp., hereinafter referred to as "Plaintiff' or"GreenPoint,"
is a corporation duly authorized to conduct business in the Commonwealth of Pennsylvania
and has its principal place of business located at 400 Southpointe Boulevard. Southpointe
Plaza I, Suite 230. Canonsburg, PA 15317.
2. Shelton A. Epperson and Tina M. Becker, hereinafter referred to as
"Defendants," are individuals whose last known address is 147 Rustic Drive, Shippensburg,
PA 17257.
3. On or about November 21, 1997, Defendants purchased a 1997 Pinegrove
1777 Manufactured Home, Serial Number GP41 009AB, (the "Mobile Home"), from Country
Side Homes, (the "Seller"), and entered into a written Manufactured Home Retail
!nstallment 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 BankAmerica
Housing Service, FSB. BankAmerica Housing Service, FSB peliected its security interest
in said Mobile Home by having an encumbrance placed on the title thereto. A true and
correct copy of the Certificate of Title is attached hereto as Exhibit "B." BankAmerica
Housing Services, FSB assigned its interest in said Security Agreement to Plaintiff,
GreenPoint.
5. Plaintiff avers that the approximate retail value of said Mobile Home is
$58,000.00 and that the said Mobile Home is in the Defendants' possession and believed
to be at Defendants' address as stated above.
6. Defendants defaulted under the terms of the Security Agreement by failing
to make payments when due. As of December 14, 1998. the Defendants' payments of
interest and principal were in arrears in the amount of 5815.34. Pursuant to the
Acceleration Clause in the Security Agreement the amount outstanding as of December
14,1998. is $56,431.47.
7. Plaintiff provided Defendants with thirty (30) days notice of intent to
repossess the Mobile Home. A true and correct copy of the notice of intent to repossess
the Mobile Home is attached hereto as Exhibit "C."
8. Defendants failed to cure the default or return the Mobile Home upon
Plaintiffs demand
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9. Plaintiff avers that under the terms of the Security Agreement and
Pennsylvania law it is now entitled to immediate possession of said Mobile Horne.
10. The Security Agreement provides tllat in tile event of default:
a. Defendants will pay the reasonable attorney's fees of seller or of
seller's assignee, provided that prior to commencement of legal action such
fee shall not exceed $50.00;
b. Court costs and disbursements; and
c. Costs incurred by seller or of seller's assignee to foreclose on the
Mobile Horne including the costs of storing, reconditioning and reselling the
Mobile Horne.
11. In order to bring this action GreenPoint Credit Corp. was required to retain
an attorney and did so retain Attorney Erin P. Dyer.
WHEREFORE, Plaintiff, GreenPoint Credit Corp., requests:
a) judgment against Defendants to recover the Mobile Home, plus detention
damages, special damages consisting of inter alia, detaching and transporting the Mobile
Horne, shipping fees, any cost for insurance placed on the Mobile Horne 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 Horne; and
b) In the event Plaintiff repossesses said Mobile Home and resells or otherwise
disposes of said Mobile Horne, a deficiency judgment in an alllount to be determined by
the Court upon petition of Plaintiff. which amount shall be equal to the difference between
the amount owed pursuant to the said Security Agreement plus the damages set forth in
paragraph (a) above and tile amount recovered by Plaintiff from the resale or other
disposition of the said Mobile Home. less expenses.
....J.
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COUNT II - DAMAGES
By way of separate and alternative pleading, Plaintiff, GreenPoint Credit Corp..
alleges the following:
12. Paragraphs 1 through 11 of this Complaint are incorporated herein by
reference as though fully set forth.
13. This Count is brought in the alternative to the relief sought in Count L
WHEREFORE. Plaintiff, GreenPoint Credit Corp., requests:
a) judgment against Defendants in the amount of $56,431.47 with interest and late
charges plus detention damages, special damages consisting of inter alia, detaching and
transporting the Mobile Home, shipping fees, any cost for insurance placed on the Mobile
Home by Plaintiff, late charges, and all allowable damages per the Security Agreement,
any further costs for repossession and sale, and attorney's fees and costs of litigation in
order to obtain possession of the Mobile Home: and
b) In the event Plaintiff repossesses said Mobile Home and resells or otherwise
disposes of said Mobile Home, a deficiency judgment in an amount to be determined by
the Court upon petition of Plaintiff, which amount shall be equal to the difference between
the amount owed pursuant to the said Security Agreement plus the damages set forth in
paragraph (a) above and the amount recovered by Plaintiff from the resale or other
disposition of the said Mobile Home. less expenses.
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Erin P. Dyer, Esquire
PA 10 Number: 52748
Attorney for GreenPoint Credit Corp.
2021 Murray Avenue, Suite B
Pittsburgh. PA 15217
(412) 422-8975
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VERI FICA TION
Don Turosik, Collection Manager, and duly authorized representative of GreenPoint
Credit Corp., deposes and says subject to the penalties of 18 Pa.C.S. Section 4904
relating to unsworn falsification to authorities that the facts set forth in the foregoing
Complaint are true and correct to the best of his knowledge, information and belief.
a~~~
Don Turosik
Collection Manager
Greenpoint Credit Corp.
L. IBANK..AMEA\GENERAlWERIFICA eM
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PENNSYLVAtllA
MH VARIABLE RATE CONTRACT
RETAIL INSTALLMENT CONTRACT, SECURIT'f AGI:\E!:MENT, f--',' ,
WAIVER OF TRIAL BY JURY AND .<l.GREEMENT TO fK:~.:
ARBITRATION OR REFERENCE OR TRIAL 8'1 JUDGE j),LONE
(Conll'Qct)
BUYER(S):
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PRC~SED~cr.7:::;NC~MAN...:;..I..C7:";j;jE:-':;~.~~...~1 .-,..,,::,..,, _.~. o.J _
.1," .me," "mysolf' or .r:-:y' mee.n all f:ernc~s '1.'110 ~Isn thi!i CJ'~~t!.:: (l!i bu:,or or co.tuyor, ;C::-'::i a."l; soveraily, and "you. or
.your" mean tr.e SoilAr and MY Qssj~noe. "Thl!'i Cont:'cc:: wi'! ce sul~mlr.ui. ~,"; :~',G C,'o~jtcr ::"iClca:ec "SiC.,.,. at e leeel oHice and, it
apprcvoC', rt wiil ce assigned to that Crecrtor, Or", :;'0 cote of thl~ Co~::~c: I Oll,/ from you en a C~CCI: :sa10 oasIs tho mer:I.:fac:turec
homo cescrlc&d en 1=898 2, Icgethor '....,-t"1 :t.;r:'llshlr,f3, OCl,.:~n"Il)n:, ;;:::~!i,'lrCGS anC e.ecess~"ios inci..::ec in the mer:l;1actureo
home at the tjme 01 purchase (callo: "Manl.;fac:l;roC ~el':":aO)
CI1EDITOR:3;'.:\;:<'~1-~E:\.!C,:'. :~-:,".;S::<G .:~?:/:C:::5p .:... :':'.':.='::'::: c.:- E.:..:,j:': C.? .:',~-:~:.:C.:'., ?S~
PROMISE TO PAY: I ~remtso te ~ay ,.C~ c: we' 1:cerooo co 1')J "':/ ciroc: tho lJor-01d Sa!o",co snOWn on pe~o 2 of :"'5
Contract (Item 51 \'/ith fntorest e.t thO inl~laj r~te cf _ 'i , -; ~ S'~ pvr ye2.r, Tria i::!erest r~t9 I wI;1 ;:ay \...'111 ehtr:se il"'. acccrc:anc9
wit" tno provisions of this COr'1trac:t I 'NIIi !=a.'j t,~:~ 2.r.1o:Jnt ir. :n:Jt~L;~~tlnl~ .:.s ~n:'N:"l in the paymo"'lt sehecule, or as rocompute:
dUG to chang os In the intorest r:1tG, untIl tr.o '...~np3.i: 5.:lanco IS t~:ly :;~:; I'. or: :'1/2: /2""7 . I st:P Cw& ,ny amount unC't:I~
this Contract, I will pay such s.moulj~ in full o:~ :l,at cata, .'/:-:;ci'-, is cadce i~,G "Mah.m~y C~te." E;.ch monthly payment '/..111 be
appllec as of its scre::uleC' ~:Je c~te. If ne :r,tGres: ~ta Is c:i~c~c~e~ a~:l',"e, ths Intallnt9rcst re.~e .s the Annual Fercenta~e Rate
shown below
INTEREST RATE: My Inltlelmtero5! rete mey .,0: oe base" 0,' :,'0 I~COX "30: to "'ok. lator eoj"':"'SM,. rly interest rete me:1
ch~n9o 1:. rr:on:hs aftor my first puyrr,e1:.S :::uu~: o':c:rl ~ m:Ji',:I-,s ther9c.tter casec c, mOI/omeilts in the mOI1~hly
averago yiele on Lrlltsd Slatus Treasury $~c:';'I:iQ:; ,j,djW~t9C to a c:::~s~a;;t m<lt'.mty c1 eno year. ~s maca avail~t:19 by the Fecoral
Rosorvo Boare, wr'lich is the incex rEts. ':Jy ,r:or~st r3:0 c~;nor ~c~oa~,? cr c,:creaSe :;1 mora ~han 2, ':: % at ~r,y interest
rate change cr by more than .:. c:' :/~ ever tha ~er:"l"', cf :-'3 C~1:r.:.c~. -;''1 l;"'.~crest ~Q.t9 \lId] e:::.:a. the ir;cex rate In (;!1ec~
4: day~ cetera tne Ir:tert'st rata :1an~o c;:tg pius a ~~rGlr c~ .: . -::: 'i~ (rounC9d to the ;.:~.:.:=,::.::7 1.: c
of one pOrC9:'ltase po:nt) un~e':$s the r,tElrest ~ate :c.ps Ilml: :ho ,~rtc"..;,,: c~ :han;6 in t~.9 :".ter~st ';;te jf thIS index rata IS no
10nSGr available. you may c,'oose a ne..,..' incex ~~at is ::aSQC U;;C,-, c:r"':p,::.z~:3 i:-~::::T7iatio!'l.
ANNUAL
PERCENTAGE
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FINANCE CHARGE
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EXHIBIT "A"
Security Agreement
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AD0Ii10~IAL TERMS AjlD CO~lDITiON5
VARIABLE RATE:
o. Monthly ".yment Change" \~y rrcr,tllI'{ p':'l~llr,: .?o:'T"cur,: ,';11: ':i,14,?~ -:-,-,ch II:ntJ "''/ jn~rmn: O:ltn l~ aelu~toe, ThO r"on~rly
I='oyment Q""Oun~ wiil tully (Uilort:.;:1.'I tho ronHil"~C: ..l',\;).J~: ::, ~,~,(;'.' .:".~ ~f',~O;";jU:i:cc I"tt-l~~sl r\l:r, i'l QCI,;~! mcnthiy p~Y""Gnt:J
CVor th9 tamajring term of this Cor.tr~ct
b. Notiee of Il"Itere~t RtJte and MOMtr,lY Pnymer.t Chnt'~c:J. '."~l.; .'."i: ;;0": :"',0) ,oetco c~ an e.:11..~ti:""9nt I:'" ~ho Ir,terG~t rl!..to c.ne
monthly f:B'YTGr'.t e.t lo.'u;t ::5 .:'~yr, l:ofcro t,'jO c~;u::~::-,ont -';1:'; r'",:;':.C3 ',',~; :::';:itJJ~ 1,ICr.inticn a:ol,,'t ;r8 r,C:ex rata,ntoreSf
rate. P-1ym9nt Olmour.t anC rfHT'lnJr:j~~ :.Jnpe.:: JJI;~r"lC~
c, Convorsion to FixISd Rato, I -n;y cr.oosu :0 CC;"'~Ur. :h;:j :\;fW;:C: to a llxoc rete Co~:rri:~ i.t ~~y tlmG bo;,r:r:mg
ZE::o.O yo~rti 1rom tho cU.~e or Ihlli COI~ti.:c:t il:~':: Dr'cln~ __): ~'Oi1rs fron-: :1"0 ::s.~G or this Cor.tr.1~t In
erder to COI"!"'O~ to, a fixo~ rn~tt. I rr.us~ no: bo In c13fc'!'.,;it ~nc~r L".o 10"1:.~ of :nI3Ccrtre.ct, I rrL;~: rc::ry you in writing or my
c"sire 10 conver: to tlflXOC rato, I n,ust oxoc:Jta ~ ;fjl,.i~i,'i e~ro';i"'~rt erc :":1u~: ';.:1') a r,cr:rah..nC:.jbl~ e:I":'Jorsion tee. "':"110
r:ew fix;: int6nat rate \'Jill bo YO.;"'; &tOi..QCar::: fi;.:o.; r~e(es~ rn:'3 !or ~ C:::-!-:1per.:;.b;9 Ccntract cn tr.8 ::a:o :I'st ycu receive my
written notiticc.tlon. ing new fi;(gc rate ;'1iii ~I!;';e etfQct Or", thu .Ccr,','e'::i:,; Cite: wh,ch shall =9 m'l nG;..'t ~~ym9nt due data
that 16 al lea5t -. cays ar.or your tl~oly rocS1=' ct ~ reviSion oc,r99'rent 51~nec b} ell Sorr::won; to;e!r.er with a
nQnrefur.dable conversion foe cf S 2';';. C; -re nON ';:<ec r.:o an~ the Cowers:cn Doto ore subject to
change ff my revision agreemer,t er,c ~eos are r~-:OIV6C o.:'tlJ~ t~(l t~:~ S~!3CI!;9C' in t"':o rev:sicr e~'p@r:"iel"lt 1\1y r.ow payment
amount will be oH'oetlve with tne f:rst P\lYr."',l;I"'lt ~o\I:"'I~~ ~!1o Ccn\/~r!jon C.:.t,'J
SECURliY INTEI'\EST: I .'ant YOJ a ,.cun:.,. i"~O,"5t Ur.cor t" Lee:"", ':017,,"0'c:ol C~co in (\) :,. r/onu'acturec H~me a~c In
ell geod!; that are or may r.orQ..ltter by cpArlJtlon d 1::.','/ cQcc:T:a C:.c:;os;i,:"Is tQ it. (2.\ all €.p~nan:;:as, ,,..e.c~:i,ory, 9~uipm9r.t anc
othsr gecds fu:r.ishec with Ire rJ.enufQe~~~oc Hemo (w~o!.":Gr cr ~ct It'l~:=.,:;): Ci ~~Ixec tc it) InC~L.cins ;:~: no~ limite: to the itQms
listed es "Adci:ional AcceSSCr;c5 cr.:: Fl.,;mjs;.'w~S$. en p.:sa , of tr-,;~ S.::"l:rac:, (2j er.'} retunes :of un13ari,eC ns:.;rance pro."r.:l.'ms
1ina.nc8C in this Ce.,:ract, ('} BIiY substJtJ~ions cr ro;::(:cGmcr.~ o~ :r,G lcrc;;"r,;, e.i.C (5; a!1 p~:oecs ct suer, Uenu1ecture:
Heme e.r.c acoossions, ar,c ef ~:,,:y .A.ccitioiial ACCSSS:i.6S ant: Furn,sh:1S:; Tnls ~ec:.J.lt"y Intero~t sacures payment anc
porformanco o~ my otllgations u~cer t~:s Ccr,t:-ac:, i'::Jc'in; ~y C;::::::;C:'l':'! ee:: a:i6ing becaUSD o~ my fEj'ure to perlorm rr:~..
obligations IJncerthis Contra:: anc Ir:ciuces 3,'Y contrac~uQI e:<:o,",cionc, tlJne',\'3J$:)r mc;ilicat'o~s My g\(,o::.:tion of this Contract
COMtitutcs a waiver of my PBrtOr:EI I=fO';.Ort"; 2r,c ~O:':1es:e2.C e;(e,..;:to~ ri;ht3 to the perso1al ;:roper.y :"if-HOI:'! cescriboc'. I Wlil
sign and doliver to you whawver flflanc;r,c; s:.s.to~O:i:s e.~c:: ct:ior C::C-':!':"'O!''ol~ yo:.; COOIil necessa.ry to ello'...,.. you to paTtee: yo!.."
sl:lcunt"{ jntere~t In any personal p:-opel":'y an~ fl;r.ur9l); 1 asr/?13 ::"2: yeu me;1 f:lo thl~ ~ecw~~. :r:.!itrume:it or a ..eprc::uctien thereof
in tne rea! estate reccr~s or other apprc;:pn;J:g Ir.C(lx o:s <1 fi",':''"1cln;; st::Jtorl",gl"',t fc~ ~r,y ~f t~e itorrs sC9ciliec: above. Any
re~roductlon o~ this security instrulT'tmt cr s.r.y ct~~r st:tc:..;~t;.: ..grvoli';,r,: C. :ir,~",c~r.S :;ta.:t<mo1"it, ar,c en).' OX':€is:cns, ren9Wc.!s, :;:-
arr:endments ~h9recf, 'hall be sufficient to perfac~ a sec~r't'/ ir,:9~'1!t 'NI~h .c~;:vct t, CJ:!1 ita"s.
PREPAYMENT: I MAY PREPAY THIS COrliRAC7 IrI FULL 0'1/1: PAR7 A7 AllY ilME WITHOUT PE~;A~TY, SUT I WILL
NOT BE ENTITLED TO A REFU~lD OF THE PREPt./J F'rlM<C::i CH,\RGE, IF ,l.NY. 11= I MAKE A ;:OAR71AL PREPAYMENT,
THERE WI~~ BE NO CHANGE IN THE DUE DAT1:S OR Ar.10UlrrS C" /,,'f r,iOIlTHLY PAYMENTS. UNLESS YOU AGREE
IN WRITING TO THOSE CHANGES.
PROPERTY INSURAtICE:
., Mj~lmum Cove:"~6e, I am reCL:lroc ti. ::lrCVICG ph/:; c.:! c<:~<:.~t;' r,:;ur;:nc~ COl/or::'SEl o'otoctJMg t119 ~'ojar;1.1e.c~;,.!rad Home f;:~
tne tOI'm d t~::: C~"'I:re=~ ~;e.!r.st ICE:: ';'1 fJro, he.:~rC5 i~,:i;..;:!):: ...'I:~ii: :1'".9 'pn~ '(1,lt1Gncec' e=vorll~@" arC: e.,'I ct!",or ha.;::SfCS.
ir.el:Jcmg flee:, 1::r WhIC,"'I yo~ ~~L.ir~ ln~urn~:c, 1;"1 3.r. ':~,')'.J'~ CC:..;;I ;0 tI'~G !e~ser cf th9 c.c:1,.'l:.: CC.5M vo:.luo of the
Manufa~uro: Horre or the rum.;inir"lS l.n~~c =a!unc~ , c\','~ 'r::''1''', tl'~r'j ~: t'rTiR 01 thiS Ccr,h:.c~ (:hg .f/lni~'.;m COVe~;D.).
~O inGl.,;r~i1I;O policy iyI,'id c;orta.n a iCbti ;::a.re::::O :Ia~:~o r:ro:c.~:,,,,:; vou (:t YCl;r ;r::oroe~ mR;' .:;:;es:~, ant: ~rO'JiC:'1J !cr a
1CoC:..y notlco ct cn..,cDiI~tlOI'l:o iO.. ~n('~c ycu ::;,~;n: ~"..n'I~,t'lr:,! :'jo::i' n-:t ~c:c 0."'1/ ':C':ltJor,e.! Ict~ :a,eo:o th& Inlil.r(;nCe
~clicy, I he....El the r;rt to cheese :'e pers:": ~rrC''':G' "'.'."";C:- t'.o P~:C'~,' If'I:l,:r:!.."::C pOi,cy ti ::':ei~.e:: If rr.y ,"~l,.r2ncc
ceverage 8l(:lr8~ Cr is c:nC;:8F~c j:',m;r tc pe.yl""'i~'i~ ,:,", ~,.Ij c~~""\ ~ Cc.'lr:,.c;. I mv~~ ect3,1'l ne hH;~ ~!-:en ..r,e f! ,r:T:"':lWm Co\/tm:,;. et
my QXper.&g ~:''' tl-,o remllir,in; tQrli c1 ~"IS Cc~,~'::c~ :5.:~;: I ~.:!~ ::-, "':"".,~.::r", '''(0 \':r,lmur"": C~'''6~u;C, i:~ rr:ey', but aftt n~t
ecll;a~ec te, ot:!a:n :r.~.:rs..,!;g co'.era;ft '::'~rlJO :'">:::.: :"'1 .....,:.;;,;.;:r::~ /;~l ~~r:~'n.~O may tel !cr :ro ~r:!oet;cn cf cnly you;
lntorasf In t~g ~/ a~i,.1~~...rl': He~o "'(i.Y net ~w~!:' :~::.~';: -" 'I" .,. ~ .", .:.~ :;:, ~=-";. ~.,: ~;'/ CH !cr :;.1:'"1 p'Hl.SCnaO!o p6~O~ t,
feu ~otElrrr,lr,o !~ ::C',.: C'OCC€, 11'"1 y:~. :~'c :::~:.':~r;t:';;" ',: :::,::,~ '~:"L"'::':j I :'.I~' II r,C:ij' ~,r;; Of ~fo',:.t !::.c: .;:-, :!",~~ ~hG COli:, p1w:.
Int9r~t c: the Co'"\tn:c~ fete 1,'1 :e r..~Cp.;; ~:-' -';. :::;:: ,,' ~~"';,::' ~.:..., :.'~+:...:",~ ::1.,:":"'; ~t"fIl ~or~ c! ~r-c ~e!,c,' in tre me.."'In(?'r
rlf(::,~o,toc ty 'to;..: I I.:nc(lr:;~:rc !l..,~t ~..o ,i~;..:~,:"(~ ;:':;~" i~., '7" =., .;,:; 'It~r,'." ,. ,.~.; "':"'W~~ curC",;HQ thf:" :r~..:r:l";C8 tl'",~!'", "-:::ht to
tMo C:!su ~ I J-,,:.c f:urc"z,!,r.t;; t'"i" :r,~l..ru,::o [..:: ~.,~: !'i.:..: ~''';': ;,'~''';;:',;',,; '~;~ :-:v::n.:;e,;. tr:":'l 5.'1 ,z~1 ,::'~i\::: cc-.:,.1I'l'1 whit, ~ay
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b. AS8ignmcnt brd Ap~licDtion or In.sumnc:: ;:.lrccccd::J. I h..r:-:- jl~~,: .:;noj .j.t;G:~r. to YCI.I tro ;:r:cooc::f eny .1.1: .1,1
incuranca cO\lora;o cr, tho tv~,Jnufac1uroc HOIr:o. :~c!l..::t,,,,:; ':':1::::: cri>':: ':c'':\Jrc::.~e, $lJC1 c.s Oll~~"C~J1(9 I:'lSUt.::v".C9, y.,'rrc~ ;n
typo or amount in t:QY"~C: thl! f\~inir;1lJm C;:;'/Qr;:S8, II~ :".0 (jV~1: :.,1.: t"l,';.'j :,: tho fJ r.:r.ufacturor.: ~o~~t), 1 ~hllll ~l'lo promp: no:ictJ
to you llnd tho ir,~uranC9 ~rri6r, If 11all t: prcmptlY ,~:;ry c~ "';"'.:J',:J ;:r~:.1 ,;: lor,s to thlJ in$uranc& c~ni9r, yo.s r.'Itl.y CO ~o on mv
tghal1. All ph~Cilcal c:omc.<je ir~Urul1C;u p~OCOOC5, :nc::';::Ir.~ ;':I::u'i(:;~ ~r'.;~";~tl'~:"lal CO\'t:irJ.<;Q, !:h~i' '=:9 .J.pplrLfd to rotstoration o~
ruco1ir ot thD ~~lcr,1.rl6ctlJ~ea f-'cmo, ,.,:rl'(;I~~ IOU c:!~C I J.<;,.c.e ctr,or:,'lctj ::~ wrltrn~ cr unlocr; cuc~ rosto:.:J.lio~ or ropl!rr IS r,o:
GCcnomlc.3.lIy ~~o.ct!c~! ~~ lee3Ib:o. or ycu;" ::;O:J'lty lnturm:: ,',CL.iC :8 1t<!:~,Onl)C, !t S:';:'"I ros:crl1tlor, :r ropo.ir is no: p;"act:cal =~
1oaslble, or your &o::.sn~ intoro5t '''01.11, :::e IAr.5~r,~:::, ~'ou 'ih~:: .:r:~li tl11J :r,!:~rn:':co ~rOC9AC:C :c H~C' rOMn:n:r:~ un;:o.ic balanco
01 th:s Ccr.t;",ac:, W~ttll",ur or ne: thon cue, tZt":: ;:"'19 ~'::' tJ.ny f),(CH:S!:i i j:.::~':l-I:g F..r-y r,Suror tc I=n.y :.'01,; Clrl~ctl,', I horoc:y
.:!=t:clnt ~IOI..' as f""1'1llmrtec il:-:o~ey.Ir",./iJc: ~o $ ~r 'i~j nJtr"13 10 <:_'1~' C'1l]C~' r:r.~, cr ct,",9r C~l:,,~or,: :-,8=9~:!;.:1r/ te c~..n.:n 3U::'~
rnSUranco j:aymont~
LATE CHARGE: I a~roe to r;cy a lato ch.:rge tor 'clo pay""ert C5 o:t :~~r, c, :I'.o'ro,: of 1I'.ls Ccotract. 0, y ono lata char;o WI I
ba mac:o on any dellnauont instcllment tQgo.-cl~~::; c~ th\1 ~er,cc tc;" ,...hle:-- t~,,:! ir,s:allrnont rerT;3!,"ls in :otauJ:, Aftor this Contraet
rr.etures. wr:ethGr by a::cg[eration or o:herNi::;o, I ',\':i: r,et bo i.~c~;~C ~ ~a~': c"~~;a
RETURNED CHECK CHARGES: I wi I Fay ye~ tho cct"al :'"'So :: I~o cisi'enerins i"SlltlJ~O" (c' Sl;ch h:shor amcunt
as eJlowec by law) rl any check ;ivoli to yous not l~o!1C:-O: b)C;:::';~,H.' -;f i:,::;t,;~.':c:::lr,t runes or ooc.wse 10 S\Jc."': account exim,
EVENTS OF DEFAULT: I Will be io cofo~:t uccor tc,s Centrac:,~ (a) 'atl:c rrako ony payr.',er.t woen c~e; (b) I Ie:! to ljrr,nl\,
make rental payrrler,ts} or to pay O:t-,N chnrS9S ano eS5ess;~Gr::, ro~'s::r;; to the real prcpe~1 lUi~.'or faeilt;1 on which the
M..nufllctured Homo :s locatec; (c) I v10la:o rOS!:,::I'IO w'lao,-r,ts, 'wl.S cr ru"~;atlons relat.o. to the real Froperrl andlor faCli;~1
whare tho Manufacturad Homo is locatoe; (01 I ~ail to keao tho I,k~u~.clwlec Heme in scoc raFall aoc condilicn. "S you may
roasonably detormioa; (0) ! remo'lo the I~anufac:~'oo ~cr-1e 'rcl1', Ihe c:c'ess shown on this Cor,tract unless I n011ly yo. ,"
aClv~nce and r6COlve ~'our ....Tit:an cor.stmt; (f) J sell cr .!:":.er-.:: :0 $~,l er t: tra.;.sf9~ ar.;/ t::enefcial i~:er9st in !ho t\!ar,ufacturoc
Home without tlrst obtlllnlng your ',lJr:t1en consort: (~) I si C't.' th(> ;.1.:;,:-,:..r!a:.:tl.,.;"'3: Home to becom~ ~e.~ o' sn! real estDto 1I.'!1hout
first: Ct:t.!.rnlng your wntten eonsor.t: I:r" I er,Cl;r.'ic~r ;r aba"'l:;;~ :"tl ~'I a;:;;'ir.:;:'Jrea Ho,,...e Or use ~ ~Ci hr~G or iFesally; (y I fail to
promptly J:sy any ~a.xes ar,d oth9r lioMS G.r:c; oncumbra:1c~s ::1 the 1'/ar::.;re'=:":~UC Hcrr:e cr O~ th9 rea! ~roper:"1 on wh,ch It is
located, if thiss my responsibility; anc/or (D I f\i,;[ to co tlT,1h!r:o; ~:$~ "",'''',ch : h::ivJ premisec to cc ;;:-::or HilS Ccr,:ra;:,
NOTICE OF DEFAULT: I! O11y 01 the ..!:ove s;:c::tra: E'!cr.t' cf C'~c,l: ":'/0 c:currac, ,'eu c::y cc,m.;.lovar Is "ocossatl' to
corroC't my default. You will, eXC9m ilS ~9t fertt1 bO!:::-,''-, ~ <:it S '.',) ~~ ~ U~~iCI.! ::if Default e.r,d PI~ht to Cure CGtault ca'ore 'leu
acceler~tB paYl'l'1or.t of the l"fHr:al~ins yn!=:lJC: baJu,cG I O'l'.t; /C~ cr r'~:::'::i:'(4':;:: 01 foreclose on an}' ='"Op8r:,/ which S9:~ros trlS
Contrac:t, -ne NctrC9 will tell me wna: my cef.;uits 0.1':' ~C"i : C:;,:-, :~:'O It EXC3!=: as recuire: by a;:::licabl~ 12w, ycu are not
recuirec 10 send me thiS NoticG when (1) you h~'.'o ..,r~acy sei,: J. : ~o:;~o t'.'.' cv .....,thln the prece:: ng one.YGar p~r.od, (2) 1 h~'J~
abandoned or volt..:r,tarily 15Urrer.C9roC: th9 r~;aJ1:"'~.:l-::L:roc Hci.'lo, cr \'::) C'i'l(lf '.l_:.~treIT',e circumstances OKst,
CURE OF OEFAUL T~ I may cure e eotault at a.ny :I~,e :0:::-11 :,tlu ::: the tie. ,..;f~curec HO:1ip :s transfOl1'ee from mo, which wi:1
be olla8.$t ~ days all.r rocelpt of the I<o:;co of Catawll.iM: FiSh: t: Cute Cefau~. 70 CUI. . colau!\. 1 .-nust r;ay~ (a) all a,"ounts
whIch would have boon Cl,:e in the abser.ca 01 cifau t ane accelar,;:t,~"'l; (::: t",e atornay fees se~ ~cr:.h below; {c1 any lat; charses
that arB ~ue: ar:d (C) reasonable c:sts which 8~n aC':l,;all':/lrc:.:~cc fo~ C N;:!.C", r; and tr~r.~i!:crt!r.~ tl":e ~!.ar,:;factureo Heme to :1':9
site of sale, 1 must elso "Qrt:::>m eny other oblig;l~ion I '",,'CUlt: t,;./o J-~:: ~:; p,=,r':r~ tr; ::-:0 ~b:i6r.C6 o~ tG~al,;:~,
REMEOIES UPON DEFAULT: II I co 'et :.'. t",e :0'".': '.:c "'!', :0 "':'"er c.r both 01 tno followlrc a: tM @nd of :ho netic.
"eriod, aG allo.....ee by &~p!ie3b[g law: (a) YO'J e:.n recwi-o rr:~ t~ j~~~cie.to!~ "Jay ~~U tr,Q e1tJru ror.-:~~r.lng l.mp~:c :a'ance C:J8
unoer tMis Contract plUG ae::U8C ir,!9rest cr (b) ~'cu :.:r, "-J:::::t.:s::: :l".1 ~/.:r.;,'J.ctUI'9C: t--:Or;'il} pl..:rsU&r.t to :1':8 se:urity Int9r~s: I
g:vo )'ou un:or this Contract, If you \"J~ r.ot rGG-..:i-~c: tc C5":: ~o ~:~O fJ,::IC'J ~r CCfCiJ!t er.: ~;~~t to Curo O&fAUI!. l'cu \oVlif 1":,'10
tl",OGS r.Sht'$ imm&c!s.toly U~Ot'l r-1y CCfl1ur.. O:1CO ,/"J;~ p::;:;c:::::1..:f ~ho ~.~'::~-.lf~::~\.jrec ~Or"lG ycu \,:1[ ~'i!1It. If ~re ll.n",OUl'lt from
:r,6 !lie, e~8re):~ons~,s IO~S ~r,an ,':;-..r..1 I C\'J') yc:..., I '..,<1 ;;:./ ::.::... :,'i; ,:,;-;:,ro:"\co c).ce~t 6:l olhflr.\',SQ :rc\iltec: l::t :BW, ",,;1
remec':es aro cumulat'Ve anc you :-ray tm~CrC3 thcm s\;';;;:...:~;:: ':;";::~C<:iK'r I,' .:r.y crear {O'J C~f'lr:. ~,eCE~:sar)' to ~rc!'II:t yc~r
.ocul"ll'{.
ARBITRATIOrj OF OISPUiES Arm WAIVER ::;: JU;:;'( ,r<I;:':';
a. Dispute Retolution. Any ccntrc','tHSY or clJlm :ljt'l,'~"il"\ o~ ci.m::",:; ~::~ ~,": 1'"'10 cr our Oi~~i;rfJo~ cfs. rg out Of 01 rG!atl~S te
t~HS CCl~!rae:t ~r 1:"\'1 ;:'G~~er':"':Qr,t.c or !nStJi.:rr.fJ"\:~ '~l.:::r:,; ~~ cr 'Cl,1\'O~r,':::.4 ::~,nQc::er f"lt~ 1hi, Cc:m:r;:.c:, il":::l,;cJn, ar:ye!a.t':"l
tQ$OC on ~r cr~Ir:S ~rom an aUo~flC :C'f., r.rc.i!, f rcc~'~~.,~ ::/ (,,::--(j~ ~,c:.; :1 ~,o, be :O~Or.-:1H'-ec l:J' ':~~itraticn, tehm:l"1ctJ, o~
t"l,l by 11 }I..iC;9 ll.:i p:c\'icoc t~lo"" ,:.. cc~t'C',for::,' W,.C ;.'~,~ :i::, ;l :";~,~.. ~ ~;~:,"'l~, N c:!.:t "",D'~~ \....,':) c.~ role-toe c,r a'~crtln~
CI~I~,~ lril!~; 1"cl""1 : el:'l; f:f Ir:1:iS5ct,cr, !:ir..:i'i::o ce~rg'-:r'fo': ';",,' ,:':,,"~r,~i::- ':~ ,:ASC toe t,.!~".J. Art :~I",or C~"1~ro\'orTy IhtJJ bit
catllrr.':infiC ty Jl,;C:JC:I~i '6feu~rcg 01 ~hJ cort'c;',o~.':-: ~ .~~~'(,'J-::;"-::;~:): ::' th~ C'=I.I"':. :)', r' :~o c,~rt l'/t-:Of8 tho ccr.tro\'ers','
;5 \Uf";JO::: !6i.er,1 :1-.0 I=c~'..cr t: ':'PJ;Oli,1 ,'1. rlJic"r~i'.j t~ 1~',: :..: ,l,::";' ,.:~-,..~~~, ;J":, ':6 ~tll:cr;::~c :;~':~'.., YOU ANO 1 AGREE
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AND UNDERSTAND THAT WE ARE GIVING UP THE RIGHT TO "TRIAL BY JURY, MID 7HEP.E SHALL BE NO JURY
WHEiHER THE CONTROVERSY OR CLAIM IS DECIDED BY AF8ITRATIOtl. BY JUDICIAl. REFERENCE, OR BY
'TRIAL BY A JUDGE.
b, Arbitration. Since this Contract 10lJC~e!; .lnc cer'leom~ :r.:ur~:,::c. c.:~;-T.,?rc€" an ,1rJ,t'f,t:cn J"'::~r this Contract 6h:1J1 C&
conducIve In acC'Orcanco With ttlu UnllAO S:JtQ!; ,t./::lt-~: c; :'.c~ .:-::1':1 ,?, ~..'lllo: St\lttlS C=,oe:, rt,;tT',"t,stanalng any chOlco Of
law provision in this Contract. TMA Comr.;o:c~i1j R~'O!; ef :l'!:, ,'\~or <:o~~ A.'~i:r:::lor' AbtiCc:il:ticn I:" ~ ~") also shnll apply, no
arortro.tor($J sno~l follow tre law nr,c ~h!d ~1)o1 a~uc: to G~:;;t.:;.:; cf iI't~t.l!10" In ':o:OM"'lf1ln:j ar.i' claim, Any controvorG~)
concerning whothor en ~I'jLJ8 I!J 8rt:itrnblo 51! J l~11 CIWJf;";'"I~f1': t~.. t."":o ,'H~t:~,tor(:J ....ho ewcr.: ct :t"~ tHbitrntcr(s) shall be in
vmtJrg I1n~ Inc!uco \l :ts:Cr:'10l"'i: e:f rC\l:C!~!:; ~:~ ~~(2 .:..':::~C, -~'U ':','..:';1'':: ~;:1';':; 0;':; final. .jucsm9n~ uo,' t:'iQ nWtll': mill' to untDreo
in any court having Juti!):';~tcn C.r~ "',1.': c~~lIur~o ~: .;,r,t~ cf J;JC~rnOia upor, tr.u t,W01rc snail 1:9 er'it9rtes.inuc except as
~rcvid9~ by Sectlon ,.~ ct tho l,.'nl:ec S:a~u5 tr:;,t;at,ciI ;"c: o:r upor: :llll"c:nr; ~f ;T'llll''',lfe8tr'juet:ce
e. Je,jielal Reference or 7n.1 by a Judge. :r cae "',stoc ~~' alt",a' VOIJ or "'0, any c~ntrovo",y or clo:", cncer subparagraph (a1
that is not submiti:ee :0 arbitration as prcvicec 'r sutperasraph (b; !;:"\<:H ~u cotarmlnec by r9fer~;,c(t to n retertlo eppoir.ted
by the court who, sr.l:r,g alono anC wrtlir:l.~ Jury Shall ':9C~C~ ~Jl Cl.'(.j~t ens c~ In".; a:o:c f.:ct You 0.;,: I ~hCl.l: des;~nat9 to tho
court a refvf"ge sulactGd ur.c'or :he auspi:t'Hi c1 thttt..:...:., in t~o SGl':":& m~'-,Gr as art::rt::.tors aro solected in AAA.s~onsoroc
prccDiKlings, The re~oT"e9 shall bo an active atorrey or fGtir6C juc:;o_ It tot' C:~:;:1 'N1ero t~e ccntro\'or~y IS venuo: 111CKs th"
powor to a~~cint a referee, the ccr:trcversy !r,stoc.c Sr'l.2:: cO ce:c!:oc: 0)' t:'1cl by ~ jucge wi1hout n ;1.;;"/,
d. Self-Help, ForccJo.UI'e, and !'",vi.ional Remedie!l. 7'.10 r:revlc'cns or ~"13 :lara.raph snail rellimll MY r shts that you or I
may h\!.vo to $);Qrci59 self.he!p remt'cies such as ~Gt.c~ o. -o~c~!,:t'ss::n, to foree~:so ~y po....~r cf ~nla or ju~;ciail~' against or
,oil any eoll~leral or .ecuri~{, cr to obtair .ni ;:rcvis'cnaJ or ~roll,J"'! r3'~8:OS :rom a court cl co",poterl jurisciction before,
attar Or dunr.s tho panc'ancy of any a~11fl7ot:Cr: ur.car Gt.'t:~2.~:!;,.(j~h (b) ~::=ve No'lnor :~e ot:tilinl;""g nor the OXOr::S8 ot any
such remedy shall serle as e. Wilil-'er c1 :"0 nght cf ::;-ti;r )':J ':;r :';it? to c.:'{?r.;a~c' tha: :he reie.:Oc or Gny other dispute c.
centrover:sy be c9termlne-= by arcltratlor; c.s ~~C';ltec CCC\.'6
ATTORNEY FEES; It ! prevail in any lac;al action or c.~=,ti'::C:": t:iOCOGCII'~ W:"Ji:;, is C~mr:-:9~cec h ccr:nectlcn wiU., the
enlorcoment ct lhis Contract or ~cy In.lrumGl1t 01 .:;,sG",.n: 'GCUI'ec c"~n' thiS Con:ract. cr ie, conneclion with any c:si=wle
rvlating to this Contr3ct, yeu '",'ill t:sy m)': ras.sor:acls Qttorr:g~J ~El(''), cc~r: ccsts iind M9:0SS3ry ::,scurser.1onts ineL:rrec in
eonnoct:on with lSuch e.CtJOI"l or ~roeeocing, as CGtGri.'l:n~ t~1 t~,o court, ttVl rg'Groo. C~ the arbitr~or(c) ;n \lC'Cordnr'lCe ~vith the
law, If you preve.rl in Eony slJch e~lon c-r ~r~ceec:iil;, or]'\ :,.e J3:l~rc:::c c! l!r.r' ~~ f.t-slp rEln";oey as d9scri~cc above, I will pay e.ny
court eo:sts and recessal'"'l c:sbuT'Semsr';ts to tria ft..ll eX':e,: ::ei'j t:ec 1:/ 1<1','.'_ ~oGE>t~er 'r'Jlth rS8..S0n30 e fees rmpo~gd on you by
an attorney whe IS not your 5.1larit'c cmpIO'/"s, ':~:l',:IC~C ~~.:t P:-:i ~C' CCir';"1'Tl~r:cnmAnt ef :o;al aC':IO~ s~ch ~eGS mOlY not eX:Ceec
seo.co and tur:h9r prc'o'ic9c th&t nc attorr,ey !OliS May to ct1arqo': pier ~o rr:~' ro:gJ~ c! thtJ ~~ot;Cij c1 D;t;;ult and FliSt'lt ~o Curo
D9!ault.
OTHEI'l TEi'lMS ANO CONOITIONS: I es'oe' ta) :e ;:"y ...:~" "':: reol",t"), es:a::me".15, ~ reC'-G':oc b, you to co so. tho
9sti,'T:BtDO amouMt I'\eco$$ary' tc: P'ly yearly tc,.'(es, ::'sos~,..,~;"'ts C,",':; ir,s;..'~:;r.C:f1 !:remiuTT"is th&t w:J1 ~ecome ::..r9 WIthin tr.o
r.ext twelv4rmonth pericd; (0) :0 pay you II tt3r.s~ar 1ee ~ 513 '! tl-.e !}.:nufac:wroc: Home, wr:ipss $I.Ch fo~ is 1=ronit:r.oc by law; (C)
to I'ay 1ntor96t I1t tho Contr3ct rate 0:1 tho rem~ir.ir,; un~.:.;c cs"an;;J :l'l.'::i accr..\JC ir:tQf8St, from tho ca~o of maturity until f.iGid in
full; (d) to r9r"'~'-'r$e ~'c\..'. !~mccJ=:e!j' ~'p:cn f'etor ;ij:':":~rl:, ''',i~tl :iOft:;Eit a.t th\3 Ccnt~nc: rala, tt'1Q amc;':l"lt d func; }OU actuaJly
advance on l':1y I:ohaff 10 CQlTe~ my celault. ......c (e) toa:r I ~'"' ,"<'.~lec. cne ,"Sle.,.n e ccmmwn tl ~ropGr.y elato, both my
c:ommuni:y ~rcJ:9rty and separGtt J;:rcpcrt)' I',ill :~ 11cl:,'\? :cr eil ~ii'::r""\on::; ::~o ~'Cor ~rls Ccrtrtct
ASSIClNME/<7: You may a..i;n 1~IS Cont~ac: te "ny pocscr O' 9":lt:1 ':Ii "Sl'\; ,rac:oc tc you ~n~.' thiS Cootract sh,,1I api=ly to
any ass.nee of th.' Contra.;:.
CREDIT IIlFOF;MATlON: You mny ,"'G51i50:. "'y c:r.c: h ::e"/ .O.,C ".cr.:: c.o=.:1'/ In c:'",o~icn With o;:8~ln. nnd celleoll^.
m~' aCCOUrlt l!nc Sl'loUQ ir:f::Hi"'l4tlon e~ut me u.: --:-./ <!e~::";lt ',':::.:-> :-~'(;It '::r::':-:lr:t; s.;6r,c;~~ You ~t.y o8! er ot~eMl50 furr.lsn
;nformaton !.~out ~,e, incl.JCLnS iMi..lrllo:ce i~lometcr,~:';" :~I"G.t~ ....,r~ r.'".:.y !~t.~l.:HI. "'f3COlt(1 s'J':h Ir,fomal101"l You ~3tturr.JGh
s;:;.c~ic InfCrrr,3t:er, aecl...t the 'j3nl.lhic~:':~o<: ~_cr~ o:r.: ;"~>' ~::::41.;'r:c:u ~:::Ci'~'~; en :,'":9 \~.:t.-:ufnc~;.;~oc f-"Cr:'l8 t:l ur,}i irl~:ll.,ir~nCg
agen1 to eM<!,b!e Sue"! ~~Eir:t to c~cto =~o~:l,.rr,!; :: r:":9 ;:~;:: ~c: :::: ~~: r -;U" ol::') ;..;~;r:(.J;;:;:,
WA.IVER: \fIalve~ or cr:y cofO;Jlt ~i":&!I -:: c::,...,:;::~...-:Ij ;: I.~.f~~ :~ :;,',' c:~;;'r ~~:.:ul: 1\'c torm c-r t~!i C~~,~rec:: !",Glll:tiI c~e.r:.oc
';Mloss rn wrrt'rg An: r; srec by :"6 c~ ICl..'~ c~icc.'r; -;,;J C: .:~,::: ;..: J '.If :': ,:;~.,e.r.iei:t CFr.'."G€<r. l,.;S ,:.rc ' agrCl" tr.t Me cr<i1J er
mplQC 'eprDsgnte.:i~:'i5 1"'.0\/8 t\'G'!": ":""OCt3 ~C:i:;.)':-:.J -.~ !c, 0.:':1 '.~: ',:~::; :~l't:..~::
VALIDITY: 'Wr,er&IlCV ~c!:s:t:,o G.:lC'i ,:.'oV1r,IC1 cI :~:::; C:r:t:.~ :~'.:) '::\J ::';~'.Il':~C~~C: ,n s:..c:~ ~.1,""Jne. ,,"s !o ~9 ~rC~lVO nr,e ve.dc
;.:nc,r A!:"r.l1uclo 11i',lJ :J! '1 r..r,y ::~:'..:SIO", ~f"t ':Cl"",:t.:.c~ :~:. :c; ::~:~"t;,.,,": ..:.. :' ,I""'.':::'!C l,;'"lCOr a::;:!:C.'1:Ju l:ifoi, Eucn prCvisi'=ln
'he.!: oe !~tftff'Jc~~Q O.'1ly r:J ~,I'":o 0)"';0"',: c' l:;.:~'" ~rC~"i:' f:,"'l G.r :..~ : ~~ ,''':!'cu~ :~., ,:I;cat r; ~r~ -oj,",<c nC€,f Cf ~uc~ ~rov:!:on cr tMe
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remaining provlslol"l1i 01 this Contro:1ct. :IW; Ce':Tl1c: !iIU'd co of r:r. 'Jr't'Jc~ l.:-ttl ~,: l:iloCj(. ~i~no= 1:, ""0 ,jnc ~'OJ In no aVAnt snail
nny char.o under this Contract O:<COQC the hrghor.t c.moullt ,) iC"',N~ ~~';' ~:: IC.,O'I) iON. If a1'1 6,,::es:;; chJ.rgo is reC61'....OC, SUCh
.'0,,"9 shall be rsluncod or opplleo: to !no o"',OJn: c uo
GOVERNING LAW: Eac:"l pro'J~ior. o~ U'!!; Ccntruct :j1,:1 Cl) C::"::~I.~G ~r, ~c:;;:'::~r,co ""rth \l.nc ;O'dlrr,ijC by tl1Q :liWS 0: :ro lit.1le
of PennsytvaniiJ, proviced thnt to thtl ull:tn;-;lyoa r,~,,-"'IJ ;rl1c,:Jr 'I~-,:: :" ~,jl;'J";;l.':; ,J1CGr Ftt::l1',J,1 Ill.'.', such choi~9 ct stahl law
shall not bo coamec:o caprive YO'J cI cuc~ ,roa:onsr,t: ~n: 'o:'.-,;~"c u,',:O' :>):;;-olla'"
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"ANY. HOLDEF1: OF'.THiSCONsur';ER CREorT COfIiRACT IS SUSJECT .0 ALL CLAIMS AND DEFENSES WHICH:
: XtHe::tleBTORcoUt;CASSERT:AGAINST 'iHE: SELLER GF GOCDS ORSE,~VICESOE.AINEIj PURSUANT':'
E;:)'!~imi.bR.wrtitiHE!>ROCEeOS I'4ERECF. RECOVER'! iiEREUNOaRBV:i'HE OEBTOR SHALL HOT eXCEED.:'
!: :,:AMOUNT~iPA)OBYTHE DEBTOR HEREUNDER .:.. .. . .. .' ... .........
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YOU AND I HAVE REAO AND FULLY UNDERSTAND Tl1IS CO'IP,~CT. IIICL~D1NO THE PARAGRAPH CALLING FOR
RESOLVING OISPUTES BY ARBITRATION, !'!EFER!!NCE, Or:! "iFJ~L EY A JUOGE, AND NOT BY JURY TRIAL, ANO
AOREE THAT THIS CONTRACT SETS FORiH OUR SifTI?:. ;'.(,::iEsrI1S~17 AND Tl1AT NO 01HER ;>ROMISES HAVE
BEEN MADE,
~CE!=ITEO: ii-.o lorl1;::~6 Cl;n::~C:I:l r-lYtb~'~~I;r'C; :....,:\!" ~~~ '.c~-~
cf rte A.s$I;~rrHJr.::~ :.a;:e 7
Ii you do not meet your Contract obllglltlons, yeu
m:lY losc yeur manufactured home,
, Netlc~ to cuyer: Do net sign this Contract In blank,
Yeu ;lIC entitled \0 an exact copy of the Contract
you sign, Io(oel' it to proteet your legal rights.
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SELLEM'
SELLER'S
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I AGREE TO ALL THE TERMS ON All ;:;\GE3 01= -,':~IS R,;7All INSTAllMENT CONTRACT AND
ACKNOWLEDGE RECEIPT OF A COMFL~'iEO COP'{ .);: Ti~l;'s CONTRACT.
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TO CRED1TO~ INt:ICA'iED OIl FAG" . ('C'u:~cr')
With rO~p9ct to th:15 retllll :nstallr:"mnt con:r~c~ (COi,trac:") :;i~n( .:;! era) or :T',cre ijl;~'er~ r51,,;~or'), SELLER represontc
and wo.rrants tho.:; ") euyor& crftj,'t stlltelT',er,t ~u::~,~o: hor8wi!~~ :i ccrn~ tit.;)!',' acc~ra:o un~9G5 ot.'e~'\...ise spoGifioe; (2) SUtor
was l~ally computonl to co'~r3ct 11~ ~h9 tITS ~~ El.~or~ OloGCl.':I:''', a~ t~,::; :\";;::r.:lct (3) :"1:S Ccn:ril;~ noose from tho bcna flee
salIS oft;,\9 mercnanClS6 descncec: In t"115 Con:tac:: (':': ~~O ':::O'Nn D;~'t,"/)M ,,',',o;,:i ~llCO oy 6u~or in ens" l..r~aS$ otherNi!c tip9Clfled
and r.C PArt tnerec1 Wa:5 loar,od Clrectl'y or :nctrRC~I'i t'l Se,!~r Ie. !::..;/or; (~ r.""lf trilco,.i, cr ot:HH :OMi:or\l~:or" r9C91V~C e.z ~ny
part e1 the ccwn pc.yment is uccur~t91y cescrll:o: on ;:..:;e 2 an:; 't::i :niln '.',:.'l;130 a: :t~ conOi. lic9 liu,L;G, ar.c ar.y ~Ol.,.!r:t oweo
on such traco.in or 9thor property j6 ~c::::..:rOi.to!:' C95Ci.tUC cr P.i0E- 2 End has bggn pa.i: off by Sailor prior to or
cOl"'\temporanoou6ly wlth'tho c.5signmer;c cf t~ig Con~r:c~ ~o C'a:::,lcr: (E) t.""lCH8 ~ ~ow CWI,.,~ or, ths :cr.:rac: tho arr.Ol..i,t Got forth
horoin; (i) thi, Ccntrc.c<.: ano Any guaranty ~H.l:mlt:oc: in ccnr,f)c~lc:'l ~!Jfm',,:l; :~ It' 01\ reSp6cts lo;ai~1 er,fcrcee.bla a~.e.inst oCich
pur~e~ed &igne.:ory there<::f; (6) Sener rc.~ the n~ht tc e.ssi~r, thl~ (;r.rltrt'..e~ ~r;C :h{'liOOY to COI"'\'/9l ;c:t tltlo to It; (~j i'\ the event
of any claim or CefOn&8 ESsartOC: by a.,y 8UY9~, or a"l) ~o ~ 0:' ,'If,:;I''ins d Euyo~. with respect to ho r}an:.J~acturElc Home or
otr.ar Fropert'j or con61deraticn :ra..,s~gnec.;'J(SL:e.I:t Ie :his rG:all :;"',SI::"II'i1'Jr~ ::::::-,:rac:., SeHer Ol.groo!; thut It wlll1r:cemnity anc: ~cic
Cr&ditcr harm 10GB frem 011 such Cl8i~s Gone:: co~el~S~::i ~~ r'lo~l r:,::i rr':r~l :::.1l c,~~ rgfiSO:'ia~:y i'\:'Jrro: l;~' CraC:,tor in connoctlcr.
thoro'Mth, Ineluding but f"lO~ H:T,itad ~o reesOf"lat:lo ':~cr;",oy foc~ ~r: ::I,r~ ,~c~ts: e.~: (1C) In ncccr:a~co w~h thO Fair CrElcit
Roportir.g Act, Seller has notfied Buyer tn(i! :h:s Cort's,c: i:i '.0 bo :;uJmi:t~.:: :'~ Crec;to'",
For value ree.ei'lod, Seier hereby ':5slsm; tc :roc;!or .::11 ~3 :is h~~, tl:lo a'iC Interest i, tr.:~ Ccrtl2.ct enc the pro~::4~rt'1
which's the subject matter ~e'.cf aroc au:hcr.;:os C'oc:::, to co ovori-,Ire; necossac/fo coHee: ere cischa"Jo same. AI/tho
tormr; of any existil'lg wrieen B;reemen:s ~u:.'..oen SG:'ljr \!one:: C~o::l:cr gC':lH:"linS the !=urchl1s0 c;~ Cc;r.trac:s are mace a part
horoef by reference, It ~eing unoorstcoc th~t C70e::J:C:- re,les JC:-": :"li~ ~tC\JO 'N.1rr:~~IOS ar',:: u~~r s~i: a~re9ments in ~~rchiSsing
lhls Contract.
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DEP;"f<: r,:ctl r (*)::' 7~.~" r"JSPOR"t A nON
C'ERT'IFIC.",TE~F TITLE' FOR A VEHICLE
'lT3b 30.02 30947 ~O:'-[)1I1
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SHE~TQN A 'EPPERSON f.
TI~t-H-BECKER .
147iRUSTIC 'OR JVE
SHIP,PENSeURG PA 17257
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SERtlCES FS~
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BANK AHERICA HOU5ING
SERVJCES ;:S~
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5 TE 2'30
CANONSSU~G p~ 1Sj17
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EXHIBIT "S"
Cel1ificate of Title
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SH:PPE~Se~RG ~A 17257
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WOTlct 01 I 101 IlJd lei TO ,'\C~l rQI\T:....E-=:~rl';C~ L::i'~,..l ,\Cilr..~ ~ REPOSSES~
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plyrMnts of one cr fT\ji"'(! p'l!itallr.c...,t:; ;:~ ,J~rc:el:: to ~r" :h~ t~rr~~ Of tl1"
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re~e~~ess your ~~nufactuied hc~e,
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ERIN P. DYER
Aflamey "t lAm'
11121 MllltR,\\' A\'E:'ollIE.stlln: u
l'I'I"I'SIUlIUaI,III-::'IO:'\SYLVANI'\ 1~217
TELEIIIIO:'<riE: (412) "12,WJ'7~
I-'ACSI:\lII,E: (41214n.'Il!<)!'i
Se,lembe, 24, 20t (,
The Honorable George E. Hoffer, P.J. (JV
Cumberland County Courthouse
One Courthouse Square
Carlisle, PA 17013-3387 '---."~-"."...""."~._.
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Re;.' GreenPoint Credit Corp.
~" v. Shelton A. Epperson and Tina M. Becker
Civil Division Number: 98-7183 Civil
Dear Ju offer;. - ---..,.- -- -- . -- .
Please find enclosed a courtesy copy of Praecipe to Discontinue Pursuant to
PaRC.P. Rule 229 in regard to the above-referenced case. I have received notice that
this case is scheduled for special call on Tuesday, October 22, 2002 at 9:30 a.m. I am
forwarding the original Praecipe to the Prothonotary on this date to discontinue the case.
Kindly remove the above-referenced case from the Court's calendar.
Thank you for your consideration of this matter. If further action is required by me
or if there are any questions, please have a representative from your Chambers contact
me at their convenience.
Very truly yours,
~-7
:-""?
rinP. Dyer --'--<'"
EPD:mds
Enclosure: Praecipe to Discontinue
L:\GreenPolnt\Eppel$on_Becker\P2D wJlJdge
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
GreenPoint Credit Corp.,
CIVIL DIVISION
Plaintiff,
)
)
)
)
)
)
)
)
)
No. 98-7183 Civil
v.
Shelton A. Epperson and Tina M.
Becker,
Defendants.
PRAECIPE TO DISCONTINUE PURSUANT TO PaRC.P. RULE 229
To the Prothonotary:
Please discontinue the above-captioned action at the request of plaintiff, pursuant
to PaRC.P. Rule 229. The discontinuance shall be without prejudice, and shall not be
deemed to bar the bringing of an action to collect any deficiency (or deficiency judgment)
owed to plaintiff by defendants.
Respectfully submitted,
.. .' .':/
~
Erin P. Dy:r, Sq~~'
PA ID Number: 52748
Attorney for GreenPoint Credit Corp.
2021 Murray Avenue, Suite B
Pittsburgh, PA 15217
(412) 422-8975
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GREEN POINT CRI~I)IT
CORPORA'rlON.
PlaintifT
v.
SHELTON A. EPPERSON:
and TINA M. BECKER.
Defendant
IN TilE COURT OF COMMON PLEAS OF
ClIMBI:RI.AND COUNTY. PENNSYLVANIA
CIVIL ACTION- 1.1\ W
NO. 9R-71 R3 CIVIL TERM
ORDER OF COURT
AND NOW. this 22".1 day of January. 2003. upon relation of the Cumberland
County Prothonotary that the above-captioned case \\'as crroncously placcd on the 2002
purge list. whcn in Itlct the casc had bccn discontinucd. thc casc is strickcn Ii'om the 2002
purgc list.
Erin P. Dycr. Esq.
202\ Murray A vcnuc. Suitc 13
Pittsburgh. P ^ 152\7
Attorncy for Plaintiff
Shelton A. Eppcrson
Tina M. Bcckcr
\47 Rustic Drivc
Shippcnsburg. PAl 7257
Dcfcndants. Pro Sc
:rc
BY TilE COURT.
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