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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
Green Tree Consumer Discount
Company,
No, 1 r 7,;;tjo
o t-i-K/L.
Complaint in Civil Action - Replevin
Plaintiff,
Filed on behalf of:
Green Tree Consumer Discount
Company
v,
Counsel of Record for this Party:
Michelle L. Loncar,
Erin p, Dyer, Esquire
PA ID Number: 52748
2021 Murray Avenue, Suite B
Pittsburgh. PA 15217
(412) 422-8975
Defendant.
.. -". '" - .' ' , " .', . ,or ". ,..' " '" '. . "
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Green Tree Consumer Discount
Company,
)
)
)
)
)
)
)
)
)
CIVIL DIVISION
No, Lj j: 7J'Il) (I uJ' -D-,--
Plaintiff,
v,
Michelle L. Loncar,
Defendant.
COMPLAINT
COUNT I - REPLEVIN
AND NOW comes Green Tree Consumer Discount Company, by and through its
attorney Erin p, Dyer, Esquire and avers the following in support of its Complaint in
Replevin:
1. Green Tree Consumer Discount Company, hereinafter referred to as
"Plaintiff' or "Green Tree," is a corporation duly authorized to conduct business in the
Commonwealth of Pennsylvania and has its principal place of business located at
Stonewood Commons 111,105 Bradford Road, Suite 200, Wexford, PA 15090.
2, Michelle L. Loncar. hereinafter referred to as "Defendant," is an individual
whose last known address is 157 Regency Woods Mobile Home Park, Carlisle, PA 17013.
.' " ., , '. ' '.! .~. '.' , , '
3. On or about August 19, 1996, Defendant purchased a 1985 Commodore
Commerce Manufactured Home, Serial Number CJ9144A, (the "Mobile Home"), from
Charles E. Milderd/b/a Pennsylvania M/H Brokers, (the "Seller"), and entered into a written
Manufactured Home Retail Installment Contract and Security Agreement, (the "Security
Agreement") for the payment of a portion of the purchase price thereof, A true and correct
copy of the Security Agreement is attached hereto as Exhibit "A,"
4. Seller assigned its interest in the Security Agreement to Plaintiff, Green Tree,
Green Tree perfected 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."
5. Plaintiff avers that the approximate retail value of said Mobile Home is
$16,500,00 and that the said Mobile Home is in the Defendant's possession and believed
to be at Defendant's address as stated above,
6. Defendant defaulted under the terms of the Security Agreement by failing to
make payments when due, As of December 16, 1998. the Defendant's payments of
interest and principal were in arrears in the amount of $579,22. Pursuant to the
Acceleration Clause in the Security Agreement the amount outstanding as of December
16, 1998, is $14,993,48.
7. Plaintiff provided Defendant 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,
Defendant failed to cure the default or return the Mobile Home upon Plaintiff's
. - . . " '. ,',' , .
" " . " . ~.".. . ~ . . ' . " . ' .
demand,
9, Plaintiff avers that under the terms of the Security Agreement and
Pennsylvania law it is now entitled to Immediate possession of said Mobile Home.
10, The Security Agreement provides that in the event of default:
a. Defendant 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 Home including the costs of storing, reconditioning and reselling the
Mobile Home.
11. In order to bring this action Green Tree Consumer Discount Company was
required to retain an attorney and did so retain Attorney Erin p, Dyer,
WHEREFORE. Plaintiff, Green Tree Consumer Discount Company, requests:
a) judgment against Defendant to recover the Mobile Home, 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.
COUNT II - DAMAGES
By way of separate and alternative pleading, Plaintiff, Green Tree Consumer
Discount Company, 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 I.
WHEREFORE, Plaintiff, Green Tree Consumer Discount Company, requests:
a) judgment against Defendant in the amount of $14,993.48 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,
c- r~)~
Erin P. Dyer, Esquire
PA ID Number: 52748
Attorney for Green Tree Consumer Discount
Company
2021 Murray Avenue, Suite B
Pittsburgh, PA 15217
(412) 422-8975
L \Gleen Trl'e\Loncar, M\ct)cl\c\CM RepleVin Wr(j
. '. ' :' \, ;.' ' . ' . -, , .,'," ,j' " " . ,': I, ". ..)', ,,- . l.., '". : ".:
VERIFICATION
Carol A Gosser, Collection Manager and duly authorized representative of
Green Tree Consumer Discount Company, 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
her knowledge, information and belief.
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Carol A. Gosser
Collection Manager
Green Tree Consumer Discount Company
L.lG~EENTRE\GENER.:.LIVEF.IFICA ~;,~
. ' .'.' ',' ,"'. '" '. '. ..", " . .', -/ ., " -y . .': "':."" . :' - :~',',," ',' - : ,
. - ~ .
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ACCOUNT # 7337.1020
. .. " '-. . " ". ;' , ','. , . .' : . ~
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GTlo.>>-IOl WlJ!-1 .......,.C
PfNNSYI VMIIA
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MANUFACTURED HOME RETAIL IN!:TAtLMENT CONTRACT/'
AND SECURITY AGREEMENT (C(INV. . FHA. VAl ISII . C3"
c- I~;' "/,
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8UYER:
LONCAR. )IIH:ttrt.r.t to.. U1T H'. ~IS1.r. ~" POi)
SELLER.
Olm.tS Z. HJ1.OtR. PUflfSnVMIA I1/1f nkO.\LlQ>. 1~ tIC::: JO~J. :.t'i:C::Oo;','u.u:. p" 1010&
ASSIGNEE: CRJ::Dl n,n CQ./1S~HJ:R tIs.cnm:T ':0.. HI., lUI).t1r"~ j'~...~~c 1::.':;:)1:;. :O~. J(UJOIW. t'A HO'O
ANNUAL
PERCENTAGE RATE
(Th'CSIOIl'flvc'Udll",
'I'urlrnu.J
FE'DER~l TRUTH.IN.LENDING ACT DISCLOSURES
FINANCE ~Amnunt Total Of P.ymMl~
CHARGE Flnancc~ m~ ,mOyflll..1I h~"
h, ~on;:t 'lnCI.'1'! 011 fit tr'lr)uJ'l1 cl tr.~;l ~ll; DJC~ t/hl I hmill'l16..~
:r.(r: "';IJ ccrt I!l' l 1:14~" rrt C/~, t:l~ b'.~i:I.1 ;'Jh'1'I1t1'!J u Jthltw'u1.1
$ II!:oU ..;c $ l~~SS. 00 $ JJuH. '0
Totdl S~le Price
n1l. tull' C1J1., mt PilI
,.... '" ...~I, t.cl~'1
'''If ~~ ~Irnuflo\ or
$ cooo.cc
$ J,ij').60
".50 %
My cavmtnt &ctledule WIll be;
Number ot P,wments
lio
Amount nf P"a"r.".~r'I~S
Uil.02
WhC'1'\ P\lvmCnU Are Due
IMonthfY be:pnrung
9-"Z.,c.:-7~
SECURITY: I am gi.....lnQ a secunty interest 10;
-X- The gOOdS Or prOgerrv beIng tH.JT'C~Se'J!. _ Ae-11 D~O~rty ICJc:!ted .)~
FiliNG FEES: $ zo.~o . LATE CHARGE: t1 Ii cayi"l'l(;nt IS. m('ll~ tt,~~~ tJi]Y~ late, tWIll be th.af'Q'~d $, S.no or ~ %
of me o;ymg"'t. whichever IS Lt:lS
PR~PAYM~T: " I payoff url.,., , wI/I nOt De en!fged 3 prCPJym!;ni O~n~lrl'.
ASSUMPTION: Someone buYIng my P'lOMl!: tTliJY. ,ub,ect t=I conditIons. be ,)lJowed 10 aSsume 'the rcmllinder of the Comract on the.
original t'e'rms.
See the ContraC't c:locurnel"l't tH!row for OJnv ar1dntOJl.1J Inform_tlcn ;00l,."": noncilyment. def~u1'. 60Y r'\\QUif13d rep\tvlTl'm. in full be1cre
the 5Cl'lcduled date. and crep.a't'menr refunds .J.r.o par..attie.s.
ITEMIZATlO
OF THE AMOUNT FINANCED
i>HY$IC AMAGE rNSUFlANCr;
P/l';,::ic.::I1 O.:m~Q bU:UI1W1C4 is requlrQod but I mIrY obtain i1 Prom
t=n.,.e..,~ I ~want th,t b &c.aputbto to YDU. It 1 get th, h1$UrDnCO
rh.1e6l:oo b~Ct".H ftQt'n you ar rt1I'OU~ you. I will PO'Y you
1. ~SP'l Sare Pnce
(including Tcl):es ofJ $
2. Gro5J; lr,de.in ............. :
Lm AfMVT!t Owt~ tn Tfl~I-i'I S
Net Trlde.in ..... ........ e
Oueri~tion: Mak.!
YUt 0000 Size 00 x cc
3. CJlSh 00......1'\ Payment .". $ {coo. DO
4. Tot..1 OOWt"l Pavm'n:................................. S
S. UnpIIO Balance Of Ca.sh S~le Price {' .41......"
6. P-aid to Public OHiC1;ls ................................. $
7. P,iIO 10 It'\$ur''t'\Ce Comp3nlel "... ..................,
S. p"IO to Apprlll$l:r. ........................ ........... _ S
S.,.P;)IOtO .$
b, ,,"'d 10 + \
;. Pale to ... s
d. PaiO to .. s_
tJ p~,O to_ +$
f P'I~ t(I .. Ii
g-P'aldto _...S
'0, """'*'018..".0 I~. 0.7 + B ~ 9 '.il.: .... . I
11. Pre;.id FlnanC't C"tlrgt':i ......................... . ,
'2. Al'T'lolJl"l~ Ii=lnanef'\1I\O ."1... . 6
.00
.00
.00
,00
s
H~OO.OC:
lDS. co fot Ina.uranee prot5Je1jon far II term of...!!.. YUf"J.
- Compref'len:;'IIIC ($ %~~. 00 dc-dllGtiblel
.. JOloed
_U,j!)illt,.
;'1,\ O01e'
'DO;l.OO
lHCo.CI(1
10.00
UJ!,..t\o
.<e
.CU
.CC
,00
.00
,,,
r:/!. Venoor's SinQie ItTl
OPTIO
AND D~
Cr(:dit l,le tlnd O,snbil,t"y
e'e~lt ,Jr'\:I .....ill not tie Dro"
~dCI,'OMI co:;t.
Tne te'''', 01 ~hlS rn~uranCft If
EXHIBIT "A"
Security Agreement
00
year!;.
~ SI"'~I~ Crech lIte lruuq.lMce
-3..!..!. Jo'~r Cr(!dit lrle lruur"nc.e
~ S,r~le Crco:t Oisebl1rty If''.sur,,nce:
Tr;~l
I
I
I
6
.00
.00
-
.00
.00
.1;1.1
. O~
l):~>.OO
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.oc I'
l~H~.c;;
;,)'V')~UI~ :;1 ~\"oYtflSJ In~urf'C
0,r8
CON"tRACT AND SEr.U~ITY ':'G:1E:;:"ENT I
1. DtrlNlTIONS -/-. -me'. -my' mean, me Elf/P'ISI .V~\.' '"",1..;" '1"1',';'::; .rll': Sll;et :In:' all:O the- ASSI~nt't 1,,11ff the Contf"lC': IS
iss,;r:tO ~v ~!l:erl "ManYo1e1IJfCO: Home- tile:I~~ tt't: M~n.t1ac:twrp:~ !"I~-r .'In.:': :'r'l'l' C~"CI pl'OPtrtv crSCT1bod ~IO"" ~nc On ~G'" 2,
COf"\rr;n or .Qr~en"le~~ mea~s "'1$ Het..;d Il"~"il~t!".: Cc,'Ttra:'1: ~I"'.~ S'~:;.'rl:--" '\C!:~z-mf'r~l
l\EW Or It.l~!..:;~"~~
\JS,~O n,,' ",in MAY.L . _.M':::::., , ,:..,,, L ~iJ"p",
... __ au C()oolOZlCJU :::.....H~
..--......- '.... J. c.,_ """:,-f<OC,.n7 :"'1 '- ..........~:........." t~'....f
~l
Ie X &0
~'7F
11 '....
~~I ):b..'_
c:: ,t-,~
t-'\.fII"l:l
l;1,10>-:\'-101
__tlM-r"fp~Jj
^.(.~"91-!T\':i
1 ~.U' d
-...~
~StO\lC
VHlt!l I
tn"H'r;b~S SXIIl.:'::JtC $.lUD
2.. P'UPlCHAS{: 11'\~.,.e t/"e CO'Jon Of bU'1lnQ tr,e MarllaC'tl.:re:1 HClr.",~ ~O' ,="'\~ "..1$,'" "t'1CC or bU"11"t On cred't, The cam price 15 Sf\cwn on
g.ge 1 IS f"e .Ca$n Slle PrICe", OlInO: tr'\(' r:re~q ~fo(;e' tS Sr10"JM 01"1 D:JOC , ~ ~1"1~ .TO~;l1 5JlI~ PTIC~. I ch<iose ~o CU,/ on C,~It.
3. SECURrT'Y W1''CA CST , I QI~C l'C\J 3 seClJ~l~ Im:ere:s~ ,,~ l'Tw Mar;\.IlJc:tur"O Home Jr'\/J 31"lV ~HOD'~' added ~o It or .ttac;ned. Th.e
purpoU for glllln(J tnl5 5ccufitV ,(\tllifIU: IS :0 :JI!-';\.."t" ~'( O::IIOll':IO-. ur::H:r tl'l~ CO"'7"OC1, I 11130 ()I~M .....OU . JeC'Uflt'f 1fT. crest in any Inten::Sl
I ml'( Nve In premium relvncU or pro'erc~ U1Ccr ~n.,.. ,r.:lllr";lnC: cc....cllnQ ~r:e Mar1uf3c:ureQ Home. I .gree 10 exeCute ,onv a~H~ll.c.:t'en
fo, cenlfl~te Of t\'t'l9 Of Qwne~""'lg. flr'l3r\Cl ~ mternet\t O~ otr.'JI ~O';l."rnen,: ncee~~ty ::0 per1eCl 'jour security 1I'\t'&:fC~ In U1e
Mlnvf,C1Y'"'' .-lome. Onlv tJ'le COu:"tert:art lilt elerJ ."nQ,ni:. MJ', c.re~:': .) ':Ie:urlry Intcrl!Sl In Chanel g;aoer JCCCldlnC to tt~ Unltorm
Commlrt:I.1 Code drllnl'C'on.n ~~ II" PenM IV,JnI:i. .
4, PAYMEH'f6 ANO \.ATE Ct-tARGE; , will PH yOU ~.e amount ~o....n lib \l"I~ .7oal 01 P3,rnems. .1CCOr~il'\~ to tI':e Da\'ment SC:l"'ICdY~
S"OW" OM ~O. ,. I JISO ~or" tOJl.'" . l~le t:l':)f~ 10f l;Jte o;iVmC.,~:lt ~t'lcv..n ':)n ~~V ,.
G, 'REPAVMENT, I HAVe THE RIGH",. TO PREf'A Y .~LL OR ?c,R'T OF THE UNPAID OAlANCE OF THIS
CONTRAC"T WITHOUT ANY P€.NAl r'f.
-2- ~efll\jCIO(L1
--
--2- WJ:'j"~f
~Or..cr
t.CKC"H .. OOU~'"
-2-Alr CondItioner ~Whe-eIS/A..xlel
.-'-----
i, SWIPL,E wrEftEST CONTRACT: ThIs IS a \1mple IMerp.S't CO~C7. "'il'\e IntcrcS'1 r~tt' 1$ U ,)0 .., ;)er anl'lum urttU paId
In full. 1n=l"C'.s1 will aCC:l'\Je \,loon ttlo unpaid pn1u:l;la1 bJl3nc, cut;;1~nt:mlJ lrl)fT\ !1!,,'; to time. Thu FmBr'\CC CraHge, Tenl of paymont.s and
PlymlMt SChedule were COr"10Vte<l based OM me ~s.sumpl.lel'l t11:n niJ'(ment ......ill be mqCle on the C1.ates SCl'le<luJt<1 for payment. E.arl.,.
lUv,,"tnts will ,edvce mv fInal Plym,1'Tt Ute lJAVrneMO' will l~eree5C: my tln.31 C.1ymern. Mv .m~l c;vmerrt wilt b(~ eoual to all unoaio
a.um~ C1ve under tnl' CclitTDC"t, M.,. pfoml.u lfQ\,Ilrqs me \e PolY' thr tH'..:!1 ~yr:'l:n\ on tJ'l. ,",Jte alle "",en If tf'lt:b1T10u.nt of tJ'\e final
t18Ymtl1[ differs trom t1".c smo1.lnt 01 tNl frnal cnmt:m di~cto~ed.
1, NO WARRANT~S: I IQree t1'Url mer!! "'E t'lO werta:'"l!1es of Mv t"'roe: COllef'lng ~ M3r'uJf~ctv/ftd Hanw. J lV7'I bvyir\g the
....nll"""'..O Homo AS IS .nO WITK AU PAUL TS ,nd THE ONTIRE RISK AS TOTKf QUAurr ANO /"flIFORMAHCE OF THE
MANUfACTURED HO~E IS WTTH ...e. I ,grtil t1'I~l ~r'\y tmC"'ied ......ar~rr.v 01 mc:rch,,nt8011irr and .~ impli~ werr.nty of frt:"lt..SS rOr I
IUmcul;r P\'t'QO$e ere S~c:iftC'''llv exC:ludtO ilnd de' nOt cove' ":M Mlir'll,/f:lC':".lre-d He-me. Th~ No Warro~c:s Orc't'lsiun ~$ net =OOIV to
tne extent that a!"ly I~w Clrorllbtt~ It and It OQes nef covet an.,. sePllr;Jte wl"\nen w,t'rintJu.
O. I'ROTEeTION OF THE MANUrACTUREO I-IOME: I wilL lal k..eeo tf"l~ Man\Jfac:vr~d Home In good condttJon anCI not commit wIne;
(1)1 ~.v ,I! t.&Xes. d't.roes and lot rem due lor tf'e Mat"'.ut3C':U~O Home Jnd ~ '3vl e~;Jt(! rt 1.$ loc~'ed' on; lei not move. use illegall',',
sell. lease or ot1"lerwl5e tTans1&1' me Mlnu1bCT"lrec Home. 1'C1 not ~m::r'1 ~~ M~nvtllC"t'Ul'e-<j Home to an.,. real Utate an" \'1"Ie
Menvf.C'tVf"e'O Home will alwlYS be vtate<l os oetsof"!41 croPtf"'t)' Ur'lles:; yOu con~C11"11 ,n .....rm"g "nd :rt1ltC lAW pt-r't'!'\IU svet\ contrary
trWnment: and hrl n01 tfl ,lnvDodv else hDve iJl'ly lnto:re~ 1/\ me M:lnuf;)C':lJr.:d Heme.
,. lNSURANC~ I wil: ,,"P tne M.nuI8C'tUr~' Heme In:;:v~ ,)(lJ,nst :iv:n ri~=..s ~....d In ~vc~ arr.oyms ~$ VO~ ma', re8Sot'\8btvreQvu'c
wrtn.n in5urlnce COmg,n, nll$10C'ltlf'\l 1:1) YOJ. I will bfT3n\je for yOU to be l"J!m~ a$ lOSS j)JJ'yee on (he poltC'Y. I ngr.. to p.-cvlde 'IOu
wrrne.n ~ldenee O'flnSl,Iranc;e as ,eQuesreo by yOU Irom ~ to tJmCl. It YOU IU1JMce me our-chtsc of .nv such Ins.,lranc.c tor me. I will
rep,y you tor trle eo.$1 01 t1"lAt insyr.;",e, pIUS Interest VO (0 the conUi):::~ I"iIte O~ Irrtorcut. I oIV\11Crize Vou to furnish accOllM dat.. to ;
Hee"",,, In&utal''l'Ct f9.nt Of yoUr ;f"I.Oil;{ll so su:n ~t'f"lt m.)y 5CliClt lhe Nftn.::e 01 C1"eIOrt. t!fQoerry. wunbnT)' or t'thcr In5Ul111nce frorn
me, I IQ"'. ttlat 'tt\e iP'\SVra.(')Ce eomCill"lV m3) maktl 3ny pilymo"U dV'J lJf'\Oor tf'\p oolic:v O'II'1l~"tJy to yt)v. al"ld I ,Sireet t11e insur'af'lce
eompany to (jO :10. You m.v "0 wt\.)tevcr YOu '1tlnl. IS f\ecess~ry to O~ slJ1e that ~nv prO'"tO'd1i ot Ttll;, 1n&Vl'iru;e: will i>e used to reQ4rr tilt'
Mlnut'ct\.tf'tO HOme or DIY Oft t/1t3 ComrllCI. I Cllit you ~ Qo....er C'f ~~rne-/l......h;:::~ I e:3M!'lOt csncell s.o tf",Gt yov mer dO "",Niu\Jer you
"...d to In arc.r to e~ct In. Irt$UT7I"1C1J pc'OC"C'I:-a~. H I far! to c..b't"m. m.l1m:un or p.:'t'l" tor the n::c:n."'~ in:ill.rr.H'\CC, or ii rail to '''''''''0' fer
yOlJ 10 be I'tImed U loss payee, you may tfl:at t1'l;Jt iJ..5 i dehult of mr oOilOiJtlons ~1'Hier thl$ Comn:C't. ana Yc-u may Cbvt ewe net
~I.rlred to) ouret\Ue .sUCh lnsunnco. I'f yOY ourcha,e such ,n:u(.,ne~, Wtll tr:",fMedl~t'e4y repav YOu tor Ort)' .moul'l'U you ,pend In
purc;h&.Sit'l; tI'\c il'\Sl.lt'lI~C, pl",' Illtert..Jt \.4' to the COt"tUlH:-: r.'Ue of ,n~re...'1 Cr, :ll ;rOvr o;:ot'lon, par yeu eyer 'Orne ." I wc"*'-a\,rt cf ttre
obligation. t1 I owe you for en" InsuranCe lor 10r late chBrc:S. Jt't:omev lee:: cr colleCTion earnl. J unOe~nd t1\8t I owe an ~eIUOrt8r
.",m 10' theSl'l albU oeycmd my montt'dy pMelOJI and Ime~S't paymel'll. i./ty mon<:r"y CI;,yme>Mt will U'lerefote be gfeMer tfl,an ~t rt_ted
on p..a~te_ ' until SloCh I'd"rtlorw\ debu 1ft paid ill '...\1.
'0. DUAULT: I w,II be in ~C"lault rt: (I) ! (10 r(Tt mlQ ;, ~",mer':':' en ~r.'le: or lii: 1 00 not ~eo ,ny of mv o~r promi~s undtr tf'tlS
Contract: or lillll 'lie I ~6e. or someo,"Ie el,. 'ile! ~ cas, ~-;8'I",st me. v/"lder th~ Uf'lted Sta,es BenknJ~~ Code: or (iy) you '..I In good
,~th tNt tn, "'~nurICTVted Hom~ IS In ~~nQer Of t"Qt I Wta riCt 0: ilCIC w r.c.r.:Jnuc 11'lV tul~tnttl't$. ~ !)013uJt OO$et1C!Cl vt"'6tr (IV I OOt.-S
not ;lpplV it tt'll' ConUil:t is gUlr'3rr.~ Cy tf'Je Vete'Jr:'~ Acmt"l:;tr:ltlOn. You ..",11 gIVe /"!".e notIce 01 tf'l.e: dehlJ1t t1cetrt wh.en (
volut"lt1rll'f' 'VI'r~na!' ()( U"ndon the M'l"Ivi~ctvred Home. I .....ill hnc the q~nt to cvre ttle def'\,Ilt dunf'\g lhe n:otlee period. It I dQ not
;;W"C ~ ::C'13l.:~t, ycu m,ty Ij.IJ e"lt1\er er t>nU'l O' ff"le fOliOWlr'lQ: '.1 Aeto'Cf~Ql'I: You can rftllJfr'e mfJ to ImmadlBt81\ PlY vov me enore
rrmtil"llOO tllllnca of tnrS Comrlec Inclor Ibl ~,~cn~ Vou C:Jr1 r~::c:o:.css :~c Man'.;1eCt\lf!<l Home:. Or..:! .,.'ou r..ct pr::seulo'" 01
trt. M,l'\uf.C'tVf'9C Home YOu may setllt. II t1'11~ amovM .rc~ :l"Ie :.ole. :+-:-:' e.:o~n::~. t.9 LC'3S ttlan wtlet I owe you, will pay VClJ t1"re
drl'l'erence. If '3'\ere is III' V groocl'tV 1et1 m the Manu1ai;t\.lleo: I-tCr.'ll! lI'It'lel"l you rec=~!;e5S. VOU mav ~i$COSe Of It as oro...ideO bV ll\Al. IF I
41eillJ't. yOu ~n do ""'''''lever II r"Iltc;lu.lt"f 'tll correct my dtflluil II TOU sPttl"l(! monty to eottet:t 1'1"I.., def&ult. I will Ch' 'YOu ba.ek
lfT"n.aI,~h' W'1t1'llntere.n at tl'le CQI"ItT&Ct reft' rof Imete:~.
". CURE OF DE'FAUL r: I mil{ '-Ure a cefault :tt any tl:"T'le b~10'" ':ita 'to ~Q ....~'!"l'JTC~t~ Konle 1$ trans1el"Tl!d trom me. whicn will bt
It 11It1 45 O,VS after receipt c1 tt-.e r\(lt"lCO of det~ult, To ;vre V'~ C!et:vl~. ' muS':" p~v:
(JIIII en'\OUl"'U whor;h ~...ltll'tl...e bt<ef'l CiJ'!'" Me IIb5<encc c': ~C:'.h..l: ~f"lO 'lcc,fer\ltlon.
Ibl relscn.aOII zttorne....s f~t5 Ol\JS eovl"". eosts .:Ire .::~l Ql.Jt."I'O:l;:!~~t (':~~i.'f',~$;S fur'":he-t ~eh('\(!a In 0<1r30rap"\ '2.
ltl anv lit. Cl"llfgrs ttllt Ire dut,
Cdl rea:sol'\l;blo C;03'U whlC't'I,~ ~Ctv,I1'y I""Jrfe~ 10! tlC';"lj~"'r'l:J ;mJ V~!~~o~n'J ~T'l~ Mnn1,f,';C""....Jred Heme tc ~e s,re ot n~.
lei perform ar,y OtNlr nbllQUtlon""; uMN c!rfl\ull
I mUon ,ISO Otrtorm ~I"lV a'C'"le' Q.ChgatloM I WOVe: ~"e ~:: :-:: r:::~or",'" III :"': .)t):;c~:::t: Ol det.\Jlt I hawl tf'\t' 'IQtTt ro :L.lte . <<,ef.l.I!t ~ to
tnr.. 1.31 t1me..s In ~"" CllenCir vut
12. NOTtC't: bceot fo' ,My ~IC. f't'(:lJ'(~ ,-"lICe' ~;:pl':lIb~ '''..... ~ 0-:0 <::rv...... 'M ::It'.O!"'rer ~~ntf, (el rH'''I'f' l'\01iec tt: l'l'Ie prt:!vl'de.a fer i,..
t1l'S C:Cl'\tr.t't Shill te 9rv~n .n wfltlr.g tlv rn.,llfl~ ~I"C!"'o l",e=~e tv C'~f\\l,O:: ~j.l. ..O'C'T.:..~Sl:"d U) me .t t~e Mei'lvtar::vrlll:f totem! aClt:ren 0'
.t ~~h ot""er I~orns J:I I m.v O.sr'lr:il':e t~. '\O:I::r ::"1 v~.; 11'\ wllilll~. ;~...,~ (:;) ;lny ""\CtCr to you Sf"Iall ec 9~'t'l!n In wrItIng C... errtlf~t:
mill. ,~'n 'l'cetOl rt::vt:It<e'-d, to ,OIJ' .CI~rn:' n3"'::~ f'\e~'"' -:or ~C :I'..;CTl eL' t'1 .,Cle' ':~:. 1e .,.C.., rr...v t:le"gntlte tv nofJCe to me In wrrt1r\ll.
1J. AnORNEY'S 'US I! yOu "'rill ~n ITlo'''j ~ vwtlC ,~ r-;:~ :! ~;\I:;r'l't:l ,.'-Cll"'','t'r t~ :;oll"t \ofroIh;r , aw~ vnd.r ttul Co"ttlc:"t' or to ;It
ClcSseSSICl"'. 0' the V:iH'IlJfaC"'tvfe<] ~cmf: cr I:> t"t11~tt;: "ny a;rr'r::l":t:.~:~' 11C',':..r. I m;,;y t~ te!:'./Ir-ea to ~'t '1'01.1' rU"CI'\,JOlt .nome.,.', tl'S
pll,.S CO\,lr't ctill$ It'lC at':'.J.a1 out.e~.gotut t)pe'~e:;. ~ ~..;,~t .3n> ~r"",:~': ':' ;; I"T.~ P Ol~or"t"r'*, 'toes, t wnl Pi" only 'tTlt ki.1 hm(t
'4 MISCELLANEOUS PROVISIONS Th,~ WI,~t'"' L:~~":J:--: .~ ~'r :.I'''.' ~-::"}""'~"~~ t'!'l~' (:0101"'" mV th.tfCN.r O'f the D'00l:'T'TY. Tho,
C()mraC1 Clln onl,;, t>~ 1'/"l~lf'e~ c' .,.",ncp':; or "0..'$.;'/""1 .n l; -:l"e:: ijl"~'ll.i:::'. ~v .:l .....r.rTef'1 mOdrllu;tlon to l!'w1 COl'ltT.aC1 Signet'! by
'ye.... You cal'l C,CIOO iO"oQ"': to 1J1t' 1,)1 .MO'(I' ~I"." ~l .,.1;...... '111"~~ :,,""~;H 11'1,:. '';:i''",~'.!C': wr-:llC\,.1 IO!ll"t1 'l'\p!T1. For e.lu,mp1e. YOU CI" ...urnd "'c
em, for ..",."-,,..; some gjilvr'I"I''';!$ ",,",tr'lOI.,f e"e"""O e'!"_.....~ 11 J<"\'f nf:~' :" ~ C.:::-~r;'.1;1 c..:ot'ln.ot be t'1'1C'f!:l:'C C,c.au.U of ~ I,_ ""''',et"l
orer\l~lts n. Iii CtTIlt' tutfS ::';'1"1 )t1il be '!"it~':,.= I ..,'i't" ~:' :>~': 'f"'J ;)11 ~,I~(',_,':.'(' r-''\,rl)~: t.:>r ~lJ rU\.in"l Or , 6e~I:-Orv ft\3't1t'\."tIC)t'I 01 ·
()l'$MnC'lItt! C1"'-ec.. O' et~;~. nl~ct'aCle In~'~'ml"~.t ~c ~!'.t tl.;:: O~C..., PC",::o," tv J:';:;', O~'~ .~"'" I .;rf>e ~ eOOD~rltP wrth you 'e~I'dt~
l'\iflV 't';l'vt:1i .tUl ~O"t""O to ('C""e:C~ er'Of' ":"'2.0!' c::rc~:n:'j t~ll; ~'~'I'"\t..:: ;':' ::\: tr::l"s..::r.or. 'f",C to tlrOyll.'le an, ana .311 ledltlen'l
dor:u'""t....u.t'o.... df'III"I"ItCll'\.f'cesurv t;v ~'C:"': ~r" ce ....,.':liI ....... i. TlJrl;.:lC-:-"''- 'k..),,4 __
'_._'_ ......,. .._____ '~oIt.
1~.~ \.$ c:.~ ~vE-1-9t~.;. ~... ......
t...otH AA .. tlOHSfI)
15. ARBITRATION: All diSOUHU. r.J.)lm\ or Co<,.tlC:I,'I\IJj~I1'i Jr,::f'IC ~'nm ,::f r,1I.:11<"'3 ~~ tll"; i;of":'ttatt or tht tlUl"\le) ''"'e',"\o sh.ll be 111:501\10(')
bV bInding JfciH3t1on bv onQ arOltt3tOr ,c1e::ttd by VO'oJ "",,11", "'"Iv con>!'r'1: rlll~ JCII:err.l':r"t IS MOlt"" l"H..f!lU.lIn1 to v lrar".53C1l0n In in{~'~t;1tf:
'olT".merce and .hall De aO\ltfl'1C'd tJy t~e Fl:dp.r.11 Art:ltr:It,Qr'> Ac~ tit [. U $,C SCi.t,on ,. Jl,IOfln1ff1t l.':l,:::n t't1c aw Hd rendered m.1'l' be
er\t~fcd In ony court hovll1_ JyhlchCl,on. lhc o"nl~ olIfl'r::(" at',d Ul'"1v1!r:i-:'.Jnll U",bt tt~e"" cfloose arb.'fllt1CI1 Ins'\l~~Cl 0" Ilogntlon to rf'SOrve
dlS"iJtf\. "rl"lc p~l"ties Undgf&Und th,)l the.,. ItJ'w'C II IIOhl 10 Il:j~;lll' '~I~;i!,lll:~ Ir1 CCur'l, but tt'loll r.'\ev orQt('f to t~1;olvr tht/If dl~Ovtes
t....,C)lIgl'1 artlltrltl('Jf'I except.n p,ov1dad '''I\.''C't'\ THE PAI;TIES VOlUNTAr~ll y .'\r~o KNOWINGl Y WArvE. ANY RieHl TH[Y HAVE TO A
JU~Y TRIAl tllt-iEll PURSU4NT TO AK&nI\ATION UNOER HU5 ~lAUSl OR PURSUANT TO A COURT IlCTION IIY YOU (liS
PROVIOED HEREIN!. The p;,r1ll3S QO'''!: ~(\(j l.f'lOlIr~~.1t1(1 ~n,:lt ;;': ::l'~tll)~'.'~ ::lr,:."n(i oJ.,::!"r \;J:iC 111'0\'. Ir"':'oJtory 1<1"" t1nlJ fill O(lltlt ldw~
inC'I.(jll"of,L bvt r,ot limite:: tc. ~II ccrrtr aC: , Ic~ ;n('! pfooert( {ll~"J'Jt~:, NI:I tt' :LJ~i\:::~ to bl~j,ng iHb+!'3110" ,n oc:c:or,' Wlttl tt"o'~ COn"t1l1Ct
The oar,,\les Agree tf'\llt the ;;Irt),tr310r Shall "", \II': )!I cowers prc\.'iC(;fj hy law. \!'Ie COfltr\):~ af",d the "i1'Cerncm ct ttle PiriltS. rnf:SC
POWer3 sl'\all lnclvdc ell IC9HI and ecvl:"Cle l:meCle~ Incl",jt(~ b..l~ not hrnit~~ Ie. mOr"ey dem"ges. Oecl3r\1tory rellcf .1r,o InJVI"l:-'!tvc
rthe!. Notw1tMl3r1dlng anyth1f"',g "ereunlc tlw cc,.,uary, YOu reI';" an CDt,O(", 10 v:,~ IU~lc,al 'I.llng " lil'(\l:;Ult! Of non'ludlclal r"lj~ to
enfOlce a '$OCuf.rv agfeement reh,.t1ng to ttle Mar,l.tactl,rcc Herre H';:'..'f~(.1 Ir. <i trJf"',~"C':IO" underlvl"\? t'hlij; lubilli)[lon t'Dfeement. to
er,torr:e tt'tt: moneta,-.,. obltgatlon secured by the- Manu1aCtureo H~rnc or ,0 ~crcc:cs(' en the Menl,;lactvred ~ome The Ul$tlhJfICr'l tf'\d
maintenance ot at l;w$I.."t to 'orClclos~ vo.on inV collater;)l, to ob!~'" J r:'lCntlt"r1 luclgmer,t ur to enfcrce me security .,gfp.emtn1 .sf'1alt nOl
cOt'lstitute II w~IIVer ot the rigt'll of IrTY "art\' :0 comoel !rtHu:::tlvr, rl':;ara,nO "n~' O,t':t'f dl.!ithJte or rl!medv $Utnee-:: (0 "rbl"'t'lon In tt'llS
Contt~ct. Includlno t"',e filinG Of ~ countercl;Jlm ,n .; ~\,J1t t}'oug~t by .,.~v Ol.;rSiJ3f1t to :nls prOVISIon.
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTi'lIlCT IS SUBJECT TO All CLAIMS AND
DEFENSES WHICH THE DEBTOR ~OULD ASSERT AGAINST THE SELLER OF 00005 OR SERVICES
OBTAINEO PURSUANT HE'RETO OR WITH THE :>ROC~EDS HEREO;:. RECOVERY HEREUNDER BY THE
OEBTOR SHALL NOT EXCEED AMOUNTS PAID ElY THE 01:6TOFl HEflEUNOER.
NOTICE TO BUYliR: 1. 00 NOT SIG~I THIS CONTRACT IF IT CONTAINS ANY BLANK SPACES. 2. YOU ARE
ENTITLED TO AN EXACT COpy 01: THE CONTRACi" '{OU SIGN. KEEP IT TO PROTECT YOUR LEGAL
RIGHTS, 3. LIABILITY INSURANCE C':)VERAG!; FOR BOOll Y INJURY AND PROPERTY DAM~,GE CAUSED TO
OTHERS IS NOT INCLUOED UNLESS rNOICA TED IN THE :'ROPERTY rNSURANCE BOX ON PJ\GE 1.
" ,B,J.JYER)ACKNOWLEDGES RECEIPT OF A COMPL::TED COpy OF THIS CONTRACT.
xiI' :li\\\~ H.. Cjd,~~,,\(c - ;t
Signitu're ot Buyer PUClttt.:.t 1.. We>>. SrQ""tu!...f: at Bwer
...SSIC;NM~'" O'{ OElL:::~
S~ll&' hgrabv ;ell,. Utig"S end HinderS ItG cnflUl rlgl'H. tl1'lo oM 1!'1!flfC,1 !M tM ee"'lr~et ond 11'10 prODe,.,." ~';I:"t;..Qd thouhn lthtl .Propl"".l
10 AU1"110(l. To IndUe'e ~,.gno. to purchou .hl Comr.et. Sellcr werICl'lI. thy;, lol !h8 COf"llr1c:1 $f'ldI Guorc"'l:\" it lH'V, 8fe o'num.. ieQtlNv
volrd ,no .nrorcvoble end 010" flom~. lilt Of tht P'l-cClQrt.,.; (bJ 11"te COl',UtlCt IS :U/bJ"l;\ to no 01510".0. COvn'tC1clclm 01 ",ort; leI COpt" 01
,1'1, Cor\ttect O"d .ll other docum.nu, slQned by 'ho 6uyerlsl W'''u ~i\le!' to t"'" BWM CtlN to comUITQ''l'',lt1Dn, tel Sell,r I,,\U c:'\'\",~ritct wnh .11
K1pfIC.bI9 "lj.,..,1. SUit, ,nCl lo.cllll~B, regull5tlOru, rutat 1M ordll'ltlrlco:; (;1 tk, BUy(H i, not II mltlor .nd ho~ 110'1 c-!:IC'ITV to 'IUCIJU VW
ConV.Ct: If! th. P'09(tor't't .. f,... 'rld CLeer of e~ l~ .rW lInu.lmbfe"col,; Q.:ll.t"2'9t t"'lJ (IocuritV I",...t Of.MeCl ~;'" .nd G,II" hll \hoe ,~ to
'nlon It.. im""t in the ContT.ct: IOl ",e SQCl.H'rty It'It~HllH gf'llntod te Stllior CoruNu:~~ D velie tit., ~en 01'\ 1M PToptlny Ind hit tM." '~d g,
tteOHUd .ecordmg tl) lIIw IOCllC4lh'\g A...l9flM OJ flrst ncurfld p~v; In: tt'l:! d':l~n povment :zl'lown en tr''1n flu~:ft r'lllrtof h'ls b..n t,c-'Ived end
no p.II" th.,.ot wn .avent.e dtt'.ctty or mdll'ltctt.... bv S6Utllr ta 6uy~r: (,) 4U .t"Qm~f'I" of hC:1 m-.de II"l the Conllllct l!Ind tll 'il.~.m.nta' rlldll
b\' 0' 01'1 oeM I' cf U"ICl Slolyor In tho erwdnIP.,l1c8110r.r .liMO 81'1'1 cth(lr rOt~ rOI{lllMO) ~o rM ConUIC' 'nl "iJB \0 the bu' (" S,Uer', 1I.1\o.....1''#ge
11'10 C,hOf; tJl 8uV.r hU phVllCOI o:em'Q9 lI'\Sur.n<~1'l ,n the amount c1 1M rt'u:::et;tOC!"IOCI), IkJ t~'e 1'10\11 bun no mo\t'lflll c;.t..ngol k"I tflu 8\Jven.
t!"lcomo, 'l'l4o.btliutl'ln4 Of f1~lov,"om .I'\d no olh<< mour1flt c:ho~es 1>>1,.,00n tQOfl opprOv.1 end lunChr.g, This: n. '!l C'o04(lO" tl:l AM~U
fiJnding rh' Corrrro~. t1 t1'1&f'liI I; a trUth Of sn'{ :' t"o for~Qr.I!"'; werr"nt'Ot. ~a !.oi~'v t.l"\~'m'P'lcd bv AUICl"IU, WIU''lOU' ...glltl~ to thO 6.ILtr't.
Ic.l"lowltld;e w~/"I rnt'locl tMerot'O or AUII.mee'$ r,hsr,co tt'l.rl:lon ~1l0r .':'....~ 'J'":C'n~rtl'::"o'!I'r' 10 reCun:holit the CQnUe~: 1rc;ltT1 AUlgr-,n. UDOf'l
O(IrM'r'\". ror II... r""ll emO'Ur".( 1h"" uno.lC ptl.is. {;0S'u' .Ml u"..nU5 ir UI'T1Cl by Ae,sr(M' !UI\,l4 acerulc .nd \,IM9"~ ""tre,tl. wtltthef tN
Co,..tt.el Ilh.i1 tr..n De. 0' not b.. In d~a...lIl. and 10 lr'ldClmn~~r. do'o"d Jrld ~t1 ~ ~~'Jr'100 horrT".Il'lU 'rom ....v lo~s. oO""IIon or c..1.1rt'\lI; of ."".
M1ur. Dv reason 01 IHIch br".ch 01 WllTel'll\!, In:I"Ol"C 4nO.n~vr' 1M':, rev'" eell". "':'OJr~8rr'lO"'U .nd OIJt'O!'POCk:t1 llJl:POnus.
S.ller '101ft"'" '0'10' U'I,t in U'I' ....."t &over .",I'JI't'S .8Qllll'lr.t AoellJ~tl ,'lny el...,." <:lll.f\U ",r t;gunt,rc.llllm ,gelntt r:..vm.nt gf ,ny 1\1'"
owing IJnGl,r tho CO"'I"~t or In O';lltU. ot rl&tlonou:le" on thO IH".~r1ion 61ltlQf or,l or wf!'l1el'l. t",t U'l' PrOP'f'tY ie dt1'Clt"trv4L "01 'S
fe;rcse!",tt'd t., Buy.~ ~V Sf!!t. Q' Ihllt S~I" '~tv~'lf '0 honOl f)ny WIlFtllnl\1 Of 1Ot'f'\iIC" .lC'Olll"r\flnt ot S.I1... or t'tle "'e"l"lt.C1uttr. S.IlO' .....ill. ",pon
As..pn..'! d'fT\ll"Id, .-.Q~t'I'10 tf'I. CCrtV,~r trc:m AUI~. .!"1l1 P"'V J\U'C/'If\l! ''''' fUll ttr,,,,...nt 'IIm.ll"lr.g '.mp"rCl LDlv' 'l;C',ru,d ,nd uf"tOlllld
11\,,,,..\1 ohlS Anlontcl,,. co,n Ind OJlpon,... 1r.:I'JC,"Ig 1!I00rr':1I't'1l' fell" .....",!flhet tlr nOl .~\! ...eh claIm, o.lrl"t. tlr CO\,Ir"It.n;Lelm .....11 ~
mer,terlcu' .na wttnou1twsrtmg, .d!fJd~lron 01 ~vy,rt C1elm, t1ohf":Sf1 O' C:~iJnlu.tl~II~, Ol'\d Solie, .100 'O'GO: to in"omr~Jv. dIrl.nQ ,,,,d "ofd
AUlal'l" I'Ulrrrdnl5 frorn el"ly ."'c", Cl,tnu. l"e.;udio~ ."Qlnev" f.ee, CVl.~ CCl~~', C1,..t.-vI,c.H~.ntli ,n:l c..Jt..oH)Ol:"het ctXp"~11lI
'f~ hlbdlt'y' ot S~",r 1'ha1l f\Ot b. 1f11,t:ttd b'Y eny ll"'lrn~lnn. r'""We' ~I 01/"pr et-.#r:~~ .ra 0',. m.Mn,r. plete O'r (0'1""11 cf P'Vm.nt tNrwof. or
tY,e IC!H&8UI. '1lI11t.m,nt 01 C'c",,~rcml'. 01 D' .....'11'\ 'l'Iy p.4rt,.. 11.01' fc, :;ley.."r.: tf'1lJroel, Or th. r.'"'' 0" nQ"",oorloc::U)1'\ 01 an., 1iIe<:\,If'lT'V
,r...t'IJ"d... A.,,;"I'\'. .,.,,11 not D1:l bound tlil e.r..el,iS~ lIS f"t~OL.U'~e eot'If"'.l1~ ~U\l~' v' ~f'~' :>~I'trr tl'''OI'l or en\! ..c\Jnty Del)l'. bQrng orrrltJtd to
C)4Iymont bv '''e Sell~ ho,....",,.~.r, ~ll.or w.,,,.. net'e. tli ItctCiTfl"'C\l e' 1"'1~ Acrfl~mlJr~ "r.d netlcu el nCf"'tlflvm.n\ enO nOl"IC'arlormlll'\C' 0' tt'l,
Cc"',ott ,I"td IlI"Y Otl'le, nOtlC;IS "CiJlr.' bv lew erd \lYOI't'~S 1111 I6ttlft~ ""'0 CC.I/"luIC,~'r!'\t
4r'l IOCI1,on, 1/'\'. .A..la",.,...",t ,nCI\I;" tl'l"t:."'1J'I r>re~i';:'e" ~~ :010\"0', ::rOlll100 ':.11~:. II none t;~ ,hf1 fOtiowlf'l~ preVl510ns ~'u tJ.e.er. ch,clc,d by
I.... S.he' , th!& Aulor'\m.m 'MIl b. c-ontIlOlIrCl('l '0 h..... t>hn e:""e.:c':l .W.~"', r:t"'e.~u'''e' ^ "Wl'l~ "l\:.OVrwe " Tnt ""0"""11'1\ cl U.",
Cef'ltrlC' ... .no 'hell bl' \N11t1CU1 r.ca""",. 50'1""1 1h. ~OI'11f lU,t.lllpl 0' "':I~H~d :It::lV; lI...e I'" A"'''' ll.p.'~If\ "..1" 009"""."1 ~t""'" G1l1tet
t"d """'r'lU ttltll!ng to thl! o....'C'""'... Q'f COf'ltrnt::"'. B .l,.:..,.,ltr.d :-;'r;.:"-'Jr;,,' :" ,r,l) ';'Y(<I",: D1 tHfol.llt 01 9...."", tJtolor. eUy&t ihlll N'" P,ICllh'
nJn'ltl,1 0' IT'lot''!tl'tty Of)vn"lliIIn,c; U"a.r "~I COt'I'Ulct tie ~ 1cM" ~'Q"" 'W~\,'f ol-:""1"'~c ~"COV"'JtI.. tf'\I. kflel Will. Wo.'l Of,.."nd, r'Cv'CI\e,e t1\4
CC"'lI'tl fro"," Anion.. for th. 'un ''''0'''''11'1 ",""'I",ng U,..t"I~ un'jql t1'\1l CO~tT"CI C, ~n.r'JoOTot\.tI..., If Ih~ AI.."f'l.. r.t)o""", ttw
M':l.I~'~lureC..HC""'''. 11'1. S"II~I Will. ",pon a.m."" ropVf~","'(I ~hl'l ContJc:;1 !'eM tl"o ~UIC""''' ler tN lvll ''''l)UI'YT 'om'll'lll'lg Vr\D4IC1 uM" 1M
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,to. Stllf'l $ AU.lon~I"'l "",,1 ,I.v ."'c\leU t~.t Ct!":I'f'I P'tY'~I:" 'J.t .~,,, :~,!,.". .....~~.\ '. C....';;~e::l b51C......
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GRE(iIDrREE
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NOTICr: OF DEFAULT \
AND
RIGHT TO CURE DEI'AU~,~
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C.rliSl8 PA 17013,"069
Green lre'~ Cc.ns\):TIC" D!~COI.H..,t Co.
St,jrlt:wc.o:i C:'1'71Il~Gn~ !II
105 BI.:l10I:l Rd Sel,e 200
Vlel<.-\olij, PA 15000
800.245. i 3'~O
Cortllle:l 1,1.0<' Z 910 137 115
Accounl Ne: El.?'020
Brlelldentiiicallon of
credit t~ansactlon:
Manufactured home loan
Forty,live (~5) Cays from \he dale o~ II'S Nc,tce (;0 d,,,,:r ",.j :1"!"";" ",~ LAST DATE FOR PAYI),ENT.
s
374 90
is th~ AMOUNT NO'll DUE
You aid In DEFAULT on Ihi, c(edl\ Ilor,.CI;on. 11'1"" C3'/ 1'0" ;\IX,lil'IT r,O'.'l DUE (obe,,,e) (plU5 all a",ounls cem'oa due
durin; tile CUle period) by Ihe LAST DATE FO" PA'iI!::r;1 (::1 "J.'C' , i :'l r"y co,nl,nJ" ""th Ihe corol,ac\ as 'hough you wele
not lata,
AI 1110 &xplration 01 thirty (30) days flen", II'. 03:0 0' Ill" r"-ri,, W" ,'2", 10,;; eot on to lep''''>ss YOln Manul.clul"O Home.
Upon repossess,on and send:ng ot a notice 01 ;,,'!OIO ,c'o V,:,,,.",,'I 'C'," I 'to'3' (IS) days (Bcr,.in:ng Ie pay ',he amounllhen
aue. You may ;;Iso (,ure youl del.;,,:1 by conl,,'I,nG '.'.1'1:' ,r,C 1m? ;.lic)>',vJ, ,'1e G';;8n Tree F,nane;al S,,"'lcma Corporall(,n,
("Green Trea") lep(esenlative stated b."C''", :0 ,e'ICI,,'1 c ,no,;II,(?':',r, ''j'bn:gnl or repayO'er I e;l.oemenl from G,eGn Tree
for repaymenl ollhG alieged dalault You musl comV,I.,t;; ''',' r:,(,;;I,,":"oo O' lepa'/m"o\ C9'OGmenl allowed by Green Tree
to cure this detault. II you tail 10 cure 'Icur cele>..:: h ;"'''\' ',I',', s:"co I,SlGO ol:,o..e ,",lllIn tho cUle penod descril1ed above,
then as ef Nov8p,her 29 '9~8 In" cr,"'JIiI.,. ,:1 ,hs conllact " CJtc"r.a1rGa'1y acooleraled er,d tul!
paym&nt 01 all acnounls due In \he amc"n~ oj S _-lS!U~' , SilO!: ba cue a",~ "ay3bi9 (Includir'9 II:E
rGmair,ing cnpo'd p"nc1pol balanCe plus ,,"",,"11 ",,".,el I:' "0:' coc,,) '."":'101;1 30'1 I,,-,hc' oot,ce frcm us, Addtion.'
GxpGnses .ccluad .~er Ille da:o 0111',15 not'ce ,1'a'l ,1'0 bo :ie,:' Jnl 'a\Oblo. Ii Ih,s detau'l " no: cured, Green Tree w,l!
report U18 ce'aIJ:ted loan to tr.e applQPli~~C C!8d,t fC~C'i""(J ;';'~"';"'.:::'i
IF THIS lOAN IS FHA INSURED, IT IS INSURE;:;' ;,GA!t!ST t1CtlP,\'iIICtH BY THE FEDERAL GOVERNMENT. IF YOU DO
NOT REPAY THE lOAN AS AGREED, v..~ \,';",' AS:;:::;:: 11',E C':;:iT 10 ThE U.S. DEPARn'=NT OF HOUSING AND
URBAN DEVELOPMENT (HUD) FOR COLLECT'I)I'I r:,'clJp,E TO r".\' THE DEBT IN ACCORDANCE WITH THE TERllS
SET BY HUD MAY RESULT IN ANY OR A"l CF THE f<)Llll\.itr~G ;..(.Tl(\IiS:
. SEIZING YOUR F::DEFV,L 1!~C~,"'c" :.): F,tUilr,S
, GARNISHMErn Of YO~I, .....;,GCS 1>- "'):1 I,W I, ;'E: C'i,AL EI.,PlOYEE.
. REFERRiNG THE DEBl i(i THE l'S l !:u,". 1:.',,,1'" 0" JUSTIce rOR COLLECTION.
If 'Icur loa" 15 FH~ InsJred ?od you 0'" urot"', 13 :_,.1 "'i' '''''OIJ'~ ,,>;,.:10.1 ",...ol"n"ry Ie" of empo'flr,,,nl 01 other rBason,
oounsel"'G zs~IS\3nC6 (n~y be a'!a:IG~:C fa ;:', "C." "',,"", "",':::,:: I":: "". HLlD'PPD',cd "',Mg3~e counseli,'g agH,c,les
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Notice of Intent to Repossess
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
Green Tree Consumer Discount
Company,
)
)
)
)
)
)
)
)
)
CIVIL DIVISION
No, 98-7240 Civil
Plaintiff,
v,
Michelle L. Loncar.
Defendant.
PRAECIPE FOR ENTRY OF JUDGMENT BY DEFAULT
To the Prothonotary:
Please enter judgment by default in favor of plaintiff Green Tree Consumer Discount
Company and against defendant Michelle L. Loncar for her failure to plead to the complaint
in this action within the required time, The complaint contains a notice to defend within
twenty days from the date of service thereof. Defendant was served with the complaint on
December 28, 1998 and her answer was due to be filed on January 18, 1999.
Attached as Exhibit "A" is a copy of plaintiffs written Notice of Intention to File
Praecipe for Entry of Default Judgment which I certify was mailed by regular mail to the
defendant at her last known address and to her attorney of record, if any, on January 19.
1999, which is at least 10 days prior to the filing of this Praecipe.
Please enter judgment for possession
Manufactured Home, Serial Number CJ9144A,
complaint.
of the 1985 Commodore Commerce
that being the relief demanded in the
...' ..--:--..,.
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'. -. ..--::..-:>
Erin fY~qUire--
PA 10 Number: 52748
Attorney for Green Tree Consumer
Discount Company
2021 Murray Avenue, Suite B
Pittsburgh, PA 15217
(412) 422-8975
Attachments:
Ten Day Notice
Affidavit of Non-Military Service & Last Known Address
, , , ~ '. , .' I > ., ," " : \.... \ -, -':', -. " ',.' _ ,1,.. ,'':'~..' .." " ':' ~,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
Green Tree Consumer Discount
Company,
Plaintiff,
)
)
)
)
)
)
)
)
)
No, 98-7240 Civil
CIVIL DIVISION
v,
Michelle L. Loncar,
Defendant.
Via Certified Mail # Z 048 046 368
and Certificate of Mailing
Michelle L Loncar
157 Regency Woods Mobile Home Park
Carlisle, PA 17013
Date of Notice:
January 19, 1999
IMPORTANT NOTICE
YOU ARE IN DEFAULT BECAUSE YOU HAVE FAilED TO ENTER A WRITTEN
APPEARANCE PERSONALLY OR BY ATTORNEY AND FILE IN WRITING WITH THE COURT
YOUR DEFENSES OR OBJECTIONS TO THE CLAIMS SET FORTH AGAINST YOU. UNLESS
YOU ACT WITHIN TEN DAYS FROM THE DATE OF THIS NOTICE, A JUDGMENT MAY BE
ENTERED AGAINST YOU WITHOUT A HEARING AND YOU MAY LOSE YOUR PROPERTY OR
OTHER IMPORTANT RIGHTS. YOU SHOULD TAKE THIS NOTICE TO A lAWYER AT ONCE.
IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
FOllOWING OFFICE TO FIND OUT WHERE YOU CAN GET LEGAL HELP:
Court Administrator
Cumberland County Courthouse
4th Floor
Carlisle, PA 17013
(717) 240-6200
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Attorney for Plaintiff ... '::1
2021 Murray Avenue, Suite B
Pittsburgh, PA 15217
(412) 422-8975
L\Grce-n Tfee\lonC3t, Mlchell~\TDN .....pj
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
Green Tree Consumer Discount
Company,
)
)
)
)
)
)
)
)
)
CIVIL DIVISION
',' ~.,' 'J ..',',' ":". ':. :~'.: ~",'< ':'.' ',' : "':~.')':, -,'.~.' '." """',',: ,I.. ,"'"
No, 98-7240 Civil
Plaintiff,
v.
Michelle L. Loncar,
Defendant.
Michelle L. Loncar
157 Regency Woods Mobile Home Park
Carlisle, PA 17013
NOTICE
Pursuant to the requirements of Pa. R.C.P. 236, you are hereby notified that:
JUDGMENT BY DEFAULT has been entered against you in the above proceeding.
~ RL. L{JA~~((7
Prot onot~HY of. Cun-{berland 7 nty
.~~ /~'7f
'----~) (j
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
Green Tree Consumer Discount
Company,
)
)
)
)
)
)
)
)
)
CIVIL DIVISION
No, 98-7240 Civil
Plaintiff,
v.
Michelle L. Loncar,
Defendant.
AFFIDAVIT OF NON-MILITARY SERVICE & LAST KNOWN ADDRESS
ERIN P. DYER, Attorney, being duly sworn according to law, deposes and
says that he makes this affidavit on behalf of the within plaintiff, being so authorized
avers that defendant's place of residence is 157 Regency Woods Mobile Home
Park,Carlisle, PA 17013, and that she is not in the military service of the United
States or its allies, or otherwise subject to the provisions of the Soldiers and Sailors
Civil Relief Act of Congress of 1904 and its amendments, 50 U.S.C. S 501, et seq.
This statement is made subject to the penalties of 18 Pa. C,S. Section 4904 relating
to unsworn falsification to authorities.
c=-"~::~~~~~
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Erin P. Dyer, Esquire
PA ID Number: 52748
Attorney for Green Tree Consumer
Discount Company
2021 Murray Avenue, Suite B
Pittsburgh, PA 15217
(412) 422-8975
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
Green Tree Consumer Discount
Company,
CIVIL DIVISION
Plaintiff,
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)
)
)
)
)
)
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hr vI<
No, 98-7240 Civil
v,
Michelle L. Loncar,
Defendant.
i6-7 R'T"lt y iVoc~ls
(la.,{;i{ L PA f7 () I j
PRAECIPE FOR WRIT OF POSSESSION
To the Prothonotary:
Kindly issue Writ of Possession in the above matter,
'---~:::~:---::::"
-.............. - "
Erin P. Dyer, EsqUire
PA 10 Number: 52748
Attorney for Green Tree Consumer
Discount Company
2021 Murray Avenue, Suite B
Pittsburgh, PA 15217
(412) 422-8975
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Gr~en Tree Cons. Disc. Co.
1:\ THE COCRT OF CO~[~[0:" PLE.\S OF
CT.::.[BERL\:\D COC~"TY, PfS:-'S'x-:" '.'.'.:"TA
98-7240 Civil
-------------------------------------------*
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C0>"ts
Michelle L. Loncar
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-------------------------------
, 97.84
'.i____________
--------------------------------------------
l?a rk ?l'ff I':) ~ _____________________________ .S____________
I
J P:-orhy, ______________________________ S__J.:;-C!.Q----
157 R~gency Woods Mobile Home
Carlisle PA 17013
~-------------------------------------------
---------------------------------------------------
---------------------------------------------------
CO~C>[ONWE._\LTH OF PE:.'"NSYLVA:\IA:
COt::"TY OF Ct:~[BERL\.'I1):
To the Sherm of ~_____~~!'.:~~~~-~~?.-------------- Cmn:'.', Penno..
(1) To ,atisfy :he judgment :o'r possession in ::" o.DO ':0 mo.teer \'ou are (;;:'eerea :<> dec:':er ""ssession c1 rhe
:oilawing described property ,:0: '
Gr~en Tre~ Cons. Disc. Co.
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P':>indf 'I'
being: (P:e:ni.ses J.S foUO\V'S) :
1985 Commodor~ Comm~rc~ Manufactur~d Home
S~rial Numb~r CJ9144A.
,~) T., ;;<i-_.ry the ~'" a~,,"-"'t r..l,e ddendant is; yeu J.re direc.d to :e\'..' .,,?On :l.:lY ?t'Op"r:y "I :he <ide::.
dant .!) J.nJ ~e] ::.ii ~e:" ,or :..~e.r; ir.tC'fe5t t;..e!"e~n.
~ February 8, 1999
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CURTIS R. LONG
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