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HomeMy WebLinkAbout00-06152 ~ ~~'^.ilit> KEYSTONE FINANCIAL BANK, N.A. : IN THE COURT OF COMMON PLEAS Plnintiff : OF CUMBERLAND COUNTY, : PENNSYLVANIA v. MICHAEL A. ILARDI Defendant : CIVIL ACTION - LAW : CIVIL TERM 2000- {, /:5L ~ t.u-.. NOTICE YOU HAVE BEEN SUED IN COURT. IF YOU WISH TO DEFEND AGAINST THE CLAIMS SET FORTH IN THE FOLLOWING PAGES, YOU MUST TAKE ACTION WITHIN TWENTY (20) DAYS AFTER THE COMPLAINT AND NOTICE ARE SERVED, 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 LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY BAR ASSOCIATION 2 LffiERTY AVENUE CARLISLE, PA 17013 (717) 249-3166 , --, " "' , , .,. ~~,^", , , ,<- ,flit, KEYSTONE FINANCIAL BANK, N.A. Plaintiff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA v. MICHAEL A. ILARDI Defendant CIVIL ACTION - LAW CIVIL TERM 2000- t, / S.L G..:,u -r ~ COMPLAINT AND NOW, comes Keystone Financial Bank, N.A., formerly Financial Trust Company, through its Attorney, William A. Duncan, Esquire, and files this Complaint, of which the following is a statement: 1. Plaintiff is Keystone Financial Bank, N,A., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania with its main office and principal place of business located at P.O. Box 1384 Pottsville, PA 17901. 2. Defendant, MICHAEL A. ILADRI, an adult individual, with a last known address of 47274 Paradise Lane, Norwood, North Carolina, 28128, 3. On or about Apri128, 1999, Defendant made, executed and delivered to Plaintiff a Line of Credit Account Disclosure and Agreement financing Ten Thousand 00/100 Dollars ($10,000.00), a copy of same being attached hereto as Exhibit "A" and incorporated herein by reference as though fully set forth. 4, Said note and said real estate mortgage have not been assigned. 5, Said agreement is in default because Defendant herein has failed to pay the payments that were due and owing for the months of June 2000, July 2000, August 2000 and September 2000. - , , , , f:. _k_:;; "0_'__ ,.- =,'__ !i-J;i;c 6, The Plaintiff has given to the Defendant a written notice demanding payment of said account, a copy of which is marked Exhibit "B" and attached hereto and made a part hereof by reference. 7, By reason of the aforesaid default, the entire principal balance of Thirteen Thousand Four Hundred Seventy-seven and 35/100 ($13,477.35) Dollars, with interest thereon at the rate of 12,50 % per annum computed from May 11,2000, along with late charges and attorneys fees now due and payable, 8. The Defendants are liable to the Plaintiff for the following on said mortgage loan: A. Principal amount and interest due to date $12,222.02 B. Late Charges 30.12 C. Attorney's Collection fee 1,225.21 TOTAL: $ 13,477.35 WHEREFORE, Plaintiff prays the Court to enter judgment in favor of Plain tiff for the amount of Thirteen Thousand Four Hundred Seventy-seven and 35/100 ($13,477.35) Dollars, together with interest thereon, costs and all other amounts advanced A. e ill # 22080 Attorney for Plaintiff 1 Irvine Row Carlisle, P A 17013 (717) 249-7780 ;-~~ ......'... -~-~ _.~ ~"~."' ""~ '- ~-~.!, ~JPFICATIO~ I. Jack V. Hutchison, hereby verifY that I am a Sr. Vice President of Keystone Financial Bank, N.A.. that I make this verification being authorized to do so. and the facts set forth in the foregoing Complaint are true and correct to the best ofmy knowledge. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn fiIlsification to authorities. ~/~ Sr. VICe President Keystone Ymancial Bank. N.A. ~AL".,";,~~"- <'j . " TOE 09:49 FAX 570 628 9231 KEYSTONE COLLECTIONS o ~;!L._.~ ~:=AC~~D:,~~:.-:~:A~~~ 'M> \Il'lltl:I$"'.....I-A.!lbV ;ljJpInIto-tor II ":'11 fll\6l'lGllltlank, t./JIo LlfItolCrW:t~ \llIdaI 'oob!dI"'A&-do ...-.:....411\lflUo '" lht~__IItt'ID D ~-:'::'IlI:Val"t;:=D;"'~bm%.: ~I :~~~1r:;"f:~I~~~~O~~t~~.~~:;.:~.. 'lI"':lbll'1l. oa;lNmOliIll .'. "'Nfl: 1J.;.' "'" ~'.""",,' ___ ~ 8tnlf. ~. ""1IIf'...d ');~f" IIIalIn pili!\' On"!IQYOtlI~ "'" Pll(_ "Il""!!lil1I1RlW IIlIIIID A9QIUlI/.. !JG1'IMn.. '" Ca--811l"d' MAGclll.n:-m-......wul(Gt'\lllll>Df'llaJlCIAIltMl.NJ\. ttf\acilct.d:l~W\Il\Il\ .....Mue/I...!;.!l"'''lle Rctlll' m4llII~ "" COil 01 VDUI l/lIlIlI5llJ . \'Uf!V lWlI "'",""tA Cf\eI':Ia.~ Ih: ~ QI wur 111III, so ~ &mR .",., '"-"; :Il8.....lfIwhltlll~.., lM""tl"-ll1llellhbaPN. =Itl~ \So \fie IJ\-D.r Tfl'lIIW'r&Ol bfI'IIO ~ .1\, _ ul o.,lfIt.lJ,!I. 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BClJfQWcr DEfORE sIGNING. ~ THE NOtiCE TO co.~ON PACre 2 A bt lar th;M ~:=~ft'~l-::t:l=h~":n..~.,F.:!::".i.:A'll&~r:::'..:r,=~~= =~~~-=~.toIllCl- lOInrfrOn'lltlD~.TIIU_.,thaLwena)'8/IIIIIVJg,o~ilntm'-:;_&rl'/pohIOnQl'pmperty ~;nany'lllltt$fll#o'I!.lYOl.lPotllilimtlQna&:1Qo-Sig!lllf, tREAI' Co-Srg!lO,~_'M Co-SiQner ....... lllE'A'u -- ..- NeT!Cl;: _ Pl\GE 2: II fQt\ IMPORTANT INFOIUo'AlfON l'IEGAROlNG YOU,", RtGt<<S TO 0lMJTE 8IUJNIa evtoRS lAQf.(2]A '~.'COp'fili1\~ -' '~-";'."'''; ~"'"'-' ~~ o ..,,',' ':; -.' ;i~,:~._..N'" . "..""..::.. :~~i~~.:~tA~:i;, .,~" , ,..,,. :,., Ii' i "9 :; i i 1 ~ I 1 ~ I , M ~. ~ ~ , j , . , 1 , 1 i , ~ ~~ ;, ~ 't' t.: EX 181T , ~003 I ~- ~ "-~--~' ~ "., "ii!.I.lil.,l;$\!hb.;.,_~,c' ,=~<- - ~~.., KEYSTONE COLLECTIONS .. 08/08/00 TUB 09:50 FAX 570 628 9231 '-:.""'. 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TO",,'PU>tf'il)'mo;l1I_11t1l11'''WWlliA''hlP~oo~''-Y~tlI!l\%\Irl~JD)~~,,~~ltIomn, ~OOR IllGHTS AND 0\'1\ IU!Sl'UNSIBIIdTIES _ "'E RllCEl~E YOIlR WRITI'EN NOnCE W.. \lIU'lI tl~"'I~ )'1>>1 kMe-r W\\hih ~'diI.'Jio.lll\h:SIt.1It hwe ~I'IIftIl'IN 1M ener \'Iy OWl. Wilhm \IIlWys. '" 11l11S dl1ItI ~I till! rIInr \\1' t'IIfl\IIUt "Ilv we ~1i"1.' till! IIIU ...:.~~, Aller we MlCi..: fIIW Ialler_ we e&P..-r II')' II) u>1}a,:1 any 1I1n"1I1\t )'111I tfuntillll. 011' RJlDI1 ~ n \ltlil\till~nl. W, "'In ..mw1II1l~ l>> tml )l'm \'tIr 1tlo .UIIC'1mI ~ 'Iwmilm. ~ Iinlmtt ~. H4 W'f; .:I\II1t'IPIl1Wo)' \Inplil ~nl apll'jil ywr IIY1ldit Il\\\iI. 'tfl\\ 110 nm ~e II' p;t~'!oll.)' rpnlolnl.'d IIn""" I ""lie WC'.~ invaJU!J1illl- hIIl)'NI~ lltilllltllijulW In plY. dIl! PlIIUat' l'U1I1 hi>> lIIld ~rr MI inqlll$ll>m, 1~....~l\l'II\lhJ1~m1tJe .~,w.~r\ll"."tIIww.tn'\l\Mo<\\1fil1l1l\"'Yfuw.It.~~~ "\MO~ --. K..t!II\d.'IIl\\Nk'Ol nll\ll>'". 'O~ 1lilI}' /ID'ot! III fJlY tlrwlllill! t: ~ ,nd )'>Ib ""'I ~t~ ru !DIIi'f lIP_ '0111)' tllf,DW1 ~MIinIJ on lilt ~~. In cllJIII' Illllc. WI! ~Ill ik:1Id v"ll'~IIWm. \\fltw _'-\\11\ J\"i~ ~_1tIIS1Il\u,lC}Wratl~'"'dto!.tI\IIllIm.dIat"le4lun\~CI'tjl:.lllfi!maJtlr.IlIK'YWu~. HIIM.'VI!I'. If InJl l.!."litl1IIliw duel. Il\II A'Ii~\'y 1IIIlllnd !/1Iu wnlt Iv WI 11I_ 10 di~ IVIliltIi lIS I/IrII pu tlrilll'!i\lsc 10 PIIJ'. \lit 011.11 Idlllll)'urat we "1" Ji'1I l"lItlIl"",\llIow lIll\1C'"iM ~l!lIIIYII\I'''ur. .AwJ,llIt:ll\lKllrn}k\llllw~nf~_~ ~1!Uk\. w.:.n\IIM{\l"U"'.,.~rq..nrtyott\IJtMl.\lw .I'pIIl.!1' ,m.. I1ttU ~clIl~ I'" ."1lI!II II'" om.:o II (jnarl~ If. rf we ..... nor ~. ~ MS, we \11l1lUl eallctll \hi! nllll S$It.OII or tbe 411tplit>1IItd ~tlllllllIl. I:.en If ~,.... !>ill 'N'"", 1/Awm:1. onelA" I\IlLE tOR CIUIPl'l' C"1m 1'\!Rc\lASl'.s II "1'\1 \lIIt...., "l'fI\lII>:t<t "'\II, !14 qI/.I:If "" ~t lit' 'erv~ 1ltu "'U 1I\Kl"~ IIIrilh lllWdill:lfd. ..-.1)'01 ....'1Ii II'i\!d III \lI'It'J tlIlrb '1> '~I't(tl m.: 1'fVl>ltrn "'Iih ~ mm!llllhl. '''" lTIIIy h,oT Ihl!' nllt III pII, 1M' mrw-i'lina:UIIIIMlld .tlll'GI "'''' {IIOpm,J .If.lV_ '1'N'u~ IWO 1.~1tl1il1G5 on !hi'.: A, Y'III IlI\\M 11:>1\ tlIlIIk t"Il'IlbUt In ...... tll>mc _1oJt'. Of I' tlAt wldlriI 1110 m,!q. ,.r}'Olll' Cllttn'1II IIIlIIl'flI dl'CIII>: 8"" n. 1h~ jll..11u:M! I"'" 1JIlI'" 1I~\. 1o..1l1i IlIWri ;h/l.D ~.l:I.' T1t>!~~ 1Ln111llt1l1ll~ 1111 11111 ~ri'l: .r"'l! a"'n ,,' 'If'ICr.lt W Incrdlllll.l>r jf Wt IlllIilrd )'llllIl\llIldWCI,ill(lIIIlIl ." lilt pIIIpl:lI)' 111' u....il;e$, "'()fir&:: ro l'n)J~.Nlif'- 'V,,,, 1In: winJlllSked fIl p~ a1111f111li MllIiPnt 1mit' Dr llll/lt ftIll11'r by JI\C' IliJnrIIWr 111"'1. Aa:tl1I1lI. lJIk nrdl>'Iy I...(.ofo! 1''1.1 tll' Udk DIlII"wc, dllr:lp'll"'Y W Ioillll ~ lIll_1\<<wIII. YIlu 'l\'dltl.1-.v III. \Jf lll/I'I! yctlIlIlIlIRITofd to pat ilYt1U b;r,~11)alld lbat )'\III Wl\1lI11'UL'\.'JII1\Ib n'lll\~tIlIi\). \'1\" I~ "'lit tt'raY uplD ~ Mlal\Ul'al\l t1!~ ~ 1C1ke ~ ~1.RDt "",. "((\10 "Uo1t.1~bI.~ III plI) la... 1Ct-,' .'1' .....U".lit'" I mo.. Whil;f1 im:J'toe Ihili .I11m1l1nr. The bid: /iII1l caIkl:l IItc SUD15 dUll!! an lhI: AcMI1tl1 lfUJll )'uti 'I1IftnI1 flr~1 tJfill2 It t:flllecr 11'1'111 rIle Bumlw~l'_ 'fig ~1UIk oIII~ ~ d~ MIllt o.!orlkt:riIm ~hlllb: lIJIlllbI }'1lII11W 1:1I1 l\r usa/lIJliINxlI !lit IIP~. NC:lIl11lwina: )'LttI. I!IC. I( &IIi$ "~L1lU1\l h~~r mlkl'oqo\I.II.\l ~~II*", ~'p:II\",")O\ll'~lI!4II",,~ '1l\j) ~"\\\IIia~1:U1'bW 11wA.mak4!1'\111"l\ll' Itu: 1WI;wm. - I SUJlItal tel..... 11I_.__ wall __....... ~ PIJII*II""" ~ NanCE, SEJ; 1A 01' 2A FOR IlIPORTA"" INFORMAlION ~"IIUa" ~004 ~ g i . ~ , ~ , ., .~ .~ ~, '~ ~ J , f ~ i " ~ I I) .'.;-:,.' ....;,.. .r." ,~ ... '~.' lL. . ~ _ .__ .':"'=-=:!:-"~ii o .,~ ,).'.. .'_U .......;., ,,';: " ~- " ~ ~-'~~l ~- " , '1 "-"-(jJiif.!:l~t.~._ Duncan & Hartman, P.C. Attorneys at Law One Irvine Row Carlisle, Pennsylvania 17013 William A. Duncan Susan J. Hartman (717) 249-7780 FAX (717) 249-7800 August 10, 2000 III'l!Jr ... *, ,-, ~'<' "'! " - ,- ,.- - - ~"'jI- ~ ,i"-!-l' !\t.. , I-'."J :: ,_ il ~""':... '<!Ii' Michael A. llardi 47274 Paradise Lane Norwood, NC 28128 RE: Keystone Financial Bank, N.A. AL~.#340813-40019 Dear Mr. llardi: Please be advised that this office represents Keystone Financial Bank, N.A., in reference to your line of credit account referenced above. We have been advised that YOUT account is currently due and owing for the months of June, July and ALugust, 2000 fOT the total amount of $694,32 TIllS FIRM IS AL DEBT COLLECTOR ALTTEMPTING TO COLLECT AL DEBT. TillS NOTICE IS SENT TO YOU IN 1\N ALTTEMPT TO COLLECT THE INDEBTEDNESS REFERRED TO HEREIN, 1\ND 1\NY INFORMA.TION OBTMNED FROM YOU WILL BE USED FOR TH1\T PURPOSE. Please take this as formal notice that if your account is not paid to date within fifteen (15) days from the date of this letter, we will start legal proceedings against you. You may be in jeopardy of suffering a judgment. Please advise immediately, time is of the essence. Thank you, Duncan & Hartman, P.C. t~__ William A. Duncan, Esquire W AD/klm EXHIBIT"'" 11> -