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RELIANCE FINANCE COMPANY,
Plaintiff
vs,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. (Jv - t..1>/L ~ 1..Lo--
CLAIRE JESKE,
Defendant
CIVIL ACTION - LAW
NOTICE
YOU HAVE BEEN SUED IN COURT, If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this Complaint and Notice are served, by entering a
written appearance personally or by attorney and filing in writing with
the Court your defenses or objections to the claims set forth against you,
You are warned that if you fail to do so the case may proceed without you
and 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 Liberty Avenue
Carlisle, PA 17013
(800)990-9108 OR (717)249-3166
NOT I C I A
Le han demandado a usted en la corte. Si usted guiere defenderse
de estas demandas expuestas en las paginas siguientes, usted tiene viente
(20) dias de plazo al partir de la fecha de la demanda y la notificacion,
Usted debe presenter una apariencia escrita 0 en persona 0 por abogado y
archivar en la corte en forma escrita sus defenses 0 sus objeciones alas
demandas en contra de su persona, Sea avisado gue si usted no se
defiende, la corte tomara medidas y puede entrar una orden contra usted
sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es
pedido en la peticion de demanda. Usted puede perder dinero 0 sus
propiedades 0 otros derechos importantes para usted,
LLEVE ESTA DEMANDA A UN ABODAGO 1NMED1ATAMENTE. S1 NO T1ENE
ABOGADO 0 S1 NO T1ENE EL D1NERO SUF1c1ENTE DE PAGAR TAL SERV1C10, VAYA EN
PERSONA 0 LLAME FOR TELEFONO A LA OF1c1NA cUYA D1RECCION SE ENCUENTRA
ESCR1TA ABAJO PARA AVER1GUAR DONDE SE PUEDE cONSEGU1R AS1STENc1A LEGAL,
Cumberland. County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(800)990-9108 OR (717)249-3166
reliance\jeske\complaint
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RELIANCE FINANCE COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
vs,
NO, OV-c,p:2.- ~ ~
CLAIRE JESKE,
Defendant
CIVIL ACTION - LAW
COMPLAINT
1. Reliance Finance Company has a place of business located at
3810 Walnut Street, Harrisburg, PA 17109.
2, Claire Jeske resides at 247 Cypress Avenue, Johnstown, PA
15902.
3, On or around August 15, 1997 Claire Jeske purchased a 1988
Chevrolet Cavalier automobile from Reliance Finance Company,
4. At the time of sale, Reliance Finance Company and Claire
Jeske entered into a motor vehicle installment sale contract, A copy of
the same is attached hereto as Exhibit "A",
5, Said motor vehicle installment sale contract required Claire
Jeske to pay to Reliance Finance Company 24 monthly payments of $133,35
beginning on September 12, 1997.
6. Claire Jeske is delinquent on her payments owed to
Plaintiff,
7. The current balance owing by Claire Jeske to Reliance
Finance Company on the aforesaid motor vehicle installment sale contract
as of July 27, 2000 is $410.61.
8, Reliance Finance Company has requested that Claire Jeske pay
the aforesaid balance, however, she has refused to pay the same,
9, The aforesaid installment sale contract provides for the
recovery of reasonable attorney fees which in this case equal to $475,00,
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WHEREFORE, Reliance Finance Company requests judgment against
Claire Jeske in the amount of $410,61 plus $475.00 in attorney fees for a
total of $885.61,
YOFFE & YOFFE, P,C,
FFREY N, YOF E, ESQUIRE
Attorney for Reliance Finance
214 Senate Avenue, Suite 203
Camp Hill, PA 17011
(717) 975-1838
Attorney ID No. 52933
Reliance\jeske\compl~int
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VERIFICATION
I hereby state that I am an adult individual who is authorized
to make this verification and that the facts set forth in the foregoing
Complain~ are true to the best of my knowledge, information, and
belief,
I understand that false statements herein are made subject to
the penalties of 18 Pa, C.S. ~4904 relating to unsworn falsification to
authorities.
RELIANCE FINANCE COMPANY
Dated:
."
By
MIC E
OFFICE
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CO.bW~ER: Any p.-un slinlni,th~ Co,o;.;~_e($ secull~ A~~mlnl ti,li~_~~ nllldt~~"l~~leilln u.~ Vehicle InU 1~1,0l separi!er, Ind rogelh!r
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NOTICE TO BUYER 00 NOT SIGN THIS CONTRACT IN BlANK. YOU ARE
ENTITLED TO AN EXlICT COPY OF THE CONTRACT YOU StGN. KEEP If TO
PROTEC<.RllRIGHTS. ~
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Co.SIGNEJl= YOU SHOULD READ THE NOTICE TO CO--5IGNER, WHICH HAS BEEN GIVEN to YOU ON A SEPARATE DOCUMENt. BEFORE
SIGNING THE Co.sIGNER'S AGREEMENT.
~~~~~~J~l~~:a~~~~~ rn~:~fi~ t'i::'I~;tb~~~dnt~ ~i~~gt:.~o,'~r:b~C:n~t~~~':I~;~~;:!:fo~lh'e:,l~~hl~:b~;~~~;=:~~a::tl.le";r~=~:
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CO-OWNEll'S SECURITY AGREEMENT, YO", the person ';l'Iln8 below as "Co-O..nfT;w Ingather II'lth the Boyer", oth.""be bein8 oJl ollba OwneIIllf the Vllhleta,
give lU aSecurity Inlete!! In 1II. Veblde idmlllled Iho~. YO" "llte! 10 ho bOIll'" by Ihole",.. of lbe S....rily Agreement Ind III tlIher Pi/II oflhb Conlnct ncept Ibe
"Promise To ""y" ...lIon. Yoo Ote giving us tho lec".ily lnlerosl \0 indo.. us 10 make Ihb Conl.o"1 with Ihe Doye" 111<I 10 1ICCl!'" Ihtt pl)'IMII1 by the lIuyw of IlI1I\lrP11 doa
on Ibl. Conl.-.ct. You will n.1 ha rul"'""lhlO' I.... any dellclency which ",lah! h. duo Inor "'pil,molon all<llol. oflho Veldel..
(SEAL)
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BUVa! CQ,SIGNEII
NOTICE, SEE REVERSE smt: FOR IMPORTANT INFORMATION.
CO.SlGNEllORt:O-OWNEII
EXHIBIT ffA"
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RELIANCE FINANCE COMPANY,
Plaintiff
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY, PENNSYLVANIA
vs,
: CIVIL ACTION - LAW
CLAIRE JESKE,
Defendant
NO, 00-6572 CIVIL TERM
FOR FILING
: ANSWER TO COMPLAINT
: AND COUNTERCLAIM
: CLAIRE JESKE, DEFENDANT
: BY: CLAIR JESKE, PRO SE
: 247 CYPRESS AVENUE
: JOHNSTOWN, PA 15902
: TELEPHONE: 5394715
NOTICE TO DEFEND AND CLAIM RIGHTS
You have been sued in Court. If you wish to defend against the claims set forth in the
following pages, you must take prompt action. You are warned that if you fail to do so, the case
may proceed without you, and a decree of divorce or annulment may be entered against you by
the Court. A judgment may also be entered against you for any claim or relief requested in these
papers by the Defendant/Petitioner. 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
SOUTHERN ALLEGHENYS LEGAL AID, INC.
Cumberland County Bar Association
2 Liberty Avenue
Carlislie, P A 17013
(800) 990-9108 or (717) 249-3166
'-'~ ,'- _"",,"~__-h.d~""-",,","nf",""'" '~'" Ml
RELIANCE FINANCE COMPANY,
Plaintiff
: IN THE COURT OF COMMON PLEAS OF
: CUMBERLAND COUNTY,
PENNSYLVANIA
vs.
CIVIL ACTION - LAW
CLAIRE JESKE,
Defendant
NO. 00-6572 CIVIL TERM
NOTICE TO DEFEND
You have been sued in Court. If you wish to defend against the claims set forth in the
New Matter, you must take action within twenty (20) days after this Answer and Counterclaim
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 Answer and
Counterclaim 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.
SOUTHERN ALLEGHENYS LEGAL AID, INC,
Cumberland County Bar Association
2 Liberty Avenue
Carlislie, P A 17013
(800) 990-9108 or (717) 249-3166
-,-'. -, .. ' ,- , ,-, .-"'~ ""~.~""~-,,' .'k _ ,
RELIANCE FINANCE COMPANY,
Plaintiff
: IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
CIVIL ACTION - LAW
CLAIRE JESKE,
Defendant
NO. 00-6572 CIVIL TERM
ANSWER AND COUNTERCLAIM
AND NOW, comes the Defendant, CLAIRE JESKE, files this Answer and Counterclaim and
in reply to said Complaint, states as follows:
L Admitted,
2. Admitted.
3. Admitted.
4, Admitted.
5. Admitted.
6, Admitted.
7. Denied, see Exhibit "A" which shows that the vehicle was sold for $5,245.00, The
balance on the vehicle was $2,545.16 for a gain of$2,649,84 less the repossession fee and certified
mail fee,
8. Admitted,
9. Denied, since no balance is owed, the Plaintiff furthermore owes the Defendants in
the amount of $2,694,84 less the repossession fee and certified mail fee.
WHEREFORE, Defendant, Clair Jeske, respectfully requests that this Honorable
Court to enter judgement for the Defendant.
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WHEREFORE, Defendant, Clair Jeske, respectfully requests that this Honorable
Court to enter judgement for the Defendant in the above amount.
COUNTERCLAIM
NOW COMES Defendants and by way of further Answer to the Complaint of
Plaintiff, respectfully files the following Counterclaim:
10. Paragraphs I through 9, are incorporated by reference as if set forth in full herein,
11. On or about August 12, 1997, the Defendant, Clair Jeske, refinance said vehicle,
which at that time had a balance of $2,595.16 and was refinanced for a total of $3,200.40. (A
copy of installment contract is attached hereto as Exhibit "A.").
12. On February 20, 2000, said vehicle was sold by the Plaintiff for $5,245,00, A
copy of a letter, dated March 27, 1998 is attached hereto as Exhibit "B." As result of the said
sale, the outstanding balance on or about time of repossession was $2,650.80, plus repossession
fee and certitled mail for a total of $3,008.72, As the result of the sale, said vehicle has a surplus
of or a gain of $2,236.28. A copy of a Notice of Repossession, dated November 28, 2000, is
attached hereto as Exhibit "C."
WHEREFORE, Defendant, Clair Jeske, respectfully requests that this Honorable
Court enter a judgement against the Plaintiff for the surplus from the sale of the vehicle in the
amount of$2,236.28.
Respectfully submitted,
Date: /O-:J3-oo
C/Lh/u- ~
Defendant, Clair J e
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VERIFICATION
I verify that the statements made in this Answer and Counterclaim are true and correct. I
understand that false statements herein are made subject to the penalties of 18 Pa. C,S. 94904
rehlting to unsworn falsification to authorities.
Date: /0 ~;{3 -00
CJ!ZUA-R ap ,,/ ()
Claire Jeske /'
Defendant
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NonCE TO BUYt:R-OO NOT SIGN TlUS CONtRACt IN BLANK. YOU ARE
ENJ/lLED to AN UACT COPY Of THE CONTRACT YOU SIGN, KEEP If TO
PR01~.1 UR~LRI~I-l'S. J
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CO.SlGNUI toU SlIOULD H!A.D TilE NOTICE TO CO-9ICl'fIR,WIIICIt IMS I'.IN tilVIN TO YOU ON A SIrARAU OOctlllftHt, ..tPOJi&
SIGNING Till! Clh'UGHER'S ACRJ;U-ttHT,
~:;~~~~~~~b~-~:::S~~:~ rn~Jh~ r:~:",\';lO";~nb~ ~;'~t~I~,~"J:~Cc,j~r.~~r,~~::~i;:.r;t,~t::~~h~;';~~~a~:~:~t:J:"II=I:e:
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CO.OWN!R'! SECURITY AGaUMF.NTl Yav, lb. pellan "'''''11I bdO:-' u MOJ-O"",U," lQplh., wlllo Ihe lu,., 1/1 oIborwllfl hehlr -II of I"" 0wlIm .r lhe v......
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Addle" DII.
CO-OWNER AS APPlICABLI ACKNOWLEDGE RECEIPT OF A COMPLEiED COPY OF THIS CONTRACT
G.' '
(;O-5lllNUOIIt:l)OWMlII
BU'llR t:O,srrdl!JI
"OTlCE,SU;RZVZRSKSml FOR IMrORTA"11"'ORMATIU":
E1h, \o~-t-A
" 'I , ',.) :.-, ,<
ANNUAL . < FINANCE .j' Amount Financed To!lllof Payments T olal Sale Price . .""
PERCEN'fAGE RATE . CHARGE The amount of credR provided The amount you will have paid after you The total cOst of you, purehase on.
The cost of.your tiedlt as 'The dolla, ~R1ount the to you or on your behalf. have made all scheduled payments. credit, including your Jlownpaym,nt
a yearly rate. 'credR Vlill COSt ~u. ..' , ~ . : ~. t ~ . ,~.- ,-. - 't, ' ,_
.... of$ -
,":',
~/_ 00 "05.,;7.'1 .
% $ $ :;5 '15. / r;, $ 3200. J./o $ 3;1(}O. I/o
Vour. PaymentSchedulewill be:
No, of Paymenls AI!1ount of Paymenls Whe~ Payments Are Due Security: Vou are giving a security interest in the motor vehicle being
.24 $ /-=l~. ~,,' Monthly, beginning SE ur I,)... .1991 purchased.,
$ . Prepayment: If you payoff early, you will not have to pay a penalty.
Filing Fees: $
ute Challe: If a payment is late, you will be charged 2~ of the portion of the payment which is late for each month, or part of a month greater than 10 days, that it remains unpaid.
See below and any other Contract documents for any additional information about nonpaymen~ default, any required repayment in full before the scheduled date and prepayment
refunds and penalties. . . e rnl!a!1S~",ate
,
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PENNSYLVANIA ' '
MOTOR VEHICLE INSTALLMENT SALE CO"TRACT. Daled
8~/;1..
,192.2
. .
j~~~.
(,(~W~ir:~ )---..'
In this Contract
~~~~LLER. A%LI4A.t::c ;;>14,.;(: ,
Name
You are /II. (~
theBUYER(S). c..... A /It~ JcSKt
Name(s)
.. -._ . t ., , , IF. VOU DO NOl M~ETYOURCOtITRACT
J / OBLlGATlON5,YOU,MAY LOSE mEf!\OToR
/IfECI//I#Ic.s~,4 I~VEHICLE AND PROPERTY THAT YOU
Zip Code .' ~~~~~:~~J~~ ;~~V:;'iM~~~R
L /J <d 1 This Contmct is between Seller and Buyer. All
.Jflu.J5rf.iWAl. /f4 IS ~~disclosures!lave been made by~. Soller
, Zip Codels) inlllnds to assign this Conbactto the ~gnee.
~
:. "
.; ;' i~
t SHtrc.t/J 5t;r6. lit
Address
':N? c.YI'~tsS /lilt
Address(es)
If there is more than one Buyer, each promises, separately and together, to pay all sums due us and '0 perlorm allagreemenls in this Contract
TRADE.IN:
Vou have traded in
the following vehicle:
,;1J / A
Vearand Make Series Gross Allowance Still Owing Net Trade,In
If a balance is still owing on the vehicle you, have traded In, the Seller will payoff this amount on your behalf. Vou warrant and represent to us
that any trade.in Is free from lien, claim, encu!llbrant~ or security interes~ except as shown above as the amount 'Still Owing.'
PROPERTY INSURANCE: You may choose the person through whom insurance is obtained against loss or damage to the Vehicle and against
liability an~ing out of use.or ownership of the Ve~icle.ln this Contrac~ you are promising to insure the Vehicle and ke~p II insured,
CREDIT INSURANCE IS NOT REQ~IRED: Credit Life Insurance and Credit Disability Insurance are not required to obtain credi~ and will
not be provided unless you sign below and agree to pay the additional costls). Please read the NOTICE OF PROPOSED CREDIT INSURANCE
on the reverse side, Your insurance certificate or policy will tell you the MAXIMUM amount of insurance available. All insurance purchased
will be for the term of the credit
$
-$
=$
By signing. you select Single Credit Ufe Insurance, What is your By signing, you select Single Credit Accident &
which costs $ NA age? _ Years Health Insurance, which costs $ "vA
What is your
agel_Years
Signature of Buyer, to be insured for Single Credit life Insurance
Signature 01 Buyer to be insured 'or Singie Cred~ Accident & Healh Insurance
By signing, you both select Joint
Credit life Insurance, which costs $
By signing, you both seiectJoint Cred~ A/A
Accident & Healh Insuranc~ which costs t~.
,..".", . . i-> ..,
What are Percentage
your,ages? to be
insured
;VA
What are
'ii- YOl,ltages? .
L
L
Z.
Signatures of both Buyers 10 be insured for Joint Credll Ufe Insurance
Z.
Signatures 0' both Buyers to be insured for Joint
Credit Accident & Health Insurance
Insurer:
VEHICLE: You have agreed to purchase, under the terms of this Contract, the following motor vehicle and its extra equipment, which is called the
"Vehicle- in this Contract
%
Itemization of Amount Fin.need
Cash Price ;2 L..
$ 515.;'
Cash $Downpayment,'Q
Net Trade-In (Q
$
Total Downpayment
$ 6)
Unpaid Cash Price ~Iance
$ ;2S 5.1(,
€ ;0 Credit Ins,&e Company
~
Q,
= To Public OffICials for.
:3 License; Tags and Registration
i!!
~ $ 19.
~
"
~ Lien Fee
1:- lQ
.. $
,= To " .
~
'"
~ $
..
~ To
=
..
~ $
~
= To
S
s $
"
'", To
"-
$
Amount financ..ed _ -
%
~'@,"
,
N/U
U
Year and Make
88 tlllv
Series Body Style
C!AIIAJ.It-L,Z'''' ,)Dt.
, N.,CyI.
61
Truck Ton Capacity Serial Number
/c"IJFIIWOJrIPl1'I1.3
$ .;t5,7:iJ("
Finance Chorp (p' ,"" " 'if
$ '05";'; .,'
Tota~ of pa'3t::f~~I~h "
PaYOlent Schedul. - Y.u agree t. P"'
to us the Amount_ Financed plus interest in
-.:13 '.
paYOIents .1$ 1.33.35
each, and a 'final payment of
$ 133.35' . The first
payment will be due.n SE fT,1:4
19.,1 _ ,and lhen payments
will be due on that same day of each month
.following.
,. .
Equipped v"AJ. ,./p.S. ....... AM-FM Sler~. _ 5 ~d, Other 1t.J~ /.iqs hLT, CArl iJ! '
with V"'A.C. t/ P.W, AM.fM rape , _ VinylTop
ASSIGNEE: We may assign this Contractanil SecuJilJ Agree,!,ent t. a sales finance compan, which is the 'Assignee: If the Assignee assigns the
Contract to a subsequent assignee, the tarOl .Iso refers to suc~ subsequent assignee, After the assignment, all rights and benefits .1 the Seller in this
Contract and in the Seeulily Agreement shall belong to and be enforceable by the Assignee. The Assignee will n.tify y.u when and il Seller makes an
assignment '
IlBJIIIc:E fIIIlIICE OOMPMl'f. 6 SIIIa Rd., SIIIIe U6, ..... " .~.. PA D855
CD-SIGNER: Ally person signing the Co-Siioer's Agreement bel.w promises separately and t.gether willi all Co-Signerls) and Buyerls), 10 pay all sums
due and to perform aU agreements in this Contract Co-Sisne~ will not be an OWner of the Vehicle.
CO-OWNER: Any person signing the CG-Owne~s Security Agre~ment below gives us a security interest in the Vehicle and agrees separately and together
with all Co-Owner(s) and Buyerls), to perform all agreements in'the Security Agreement and all other parts of this Contract except the ~Promise to PaY-
section. .
TERMS: The terms shown in the boxes above are pari 0' this Conlract ,
PROMISETO PAY: Y.u agree to pay us the Total Sale~Price; llir 'the Vehicle by ma~ng lIIe Total ' SECURITY AGREEMEIIT: to secure the payment .f all, sums due and Ihe perf.rmance .f all
Downpayment and paying,us the Amount Fin.need plUS interest. You promise_ to make payments require~ obli~tions under this Contr~~ you give a sec~~ int~est_ in the Vehicle, in ,all ~rts
in a...rdance with the Payment Schedule. You pr.mise to m.~e payments .n .r before.lIIe same !calle~. a~ceSSl.ns") allached t. the V~hlCl. atan~ latertiwe, and In any proceeds ., the ~ehicl~,
day.f each m.nth as the first payment due date. You agree'!o pay all.lIIer am.unts which may Including Ins.urance pr....ds. The ~~Igne...~.y set'.""a.y amoun!' due and unpaid und"!' th!S
, . .,.. ,.. , Contract agaInst any .f y.ur money,.n depOSllwith Assignee, This Includes any money whICh IS
become due under the terms ofthlS C.ntract,You,agree to p~y the Seller.r AssIgnee costs 0' SUll now.r 'may in. lIIe future be dep.sited with Assignee bnou:Assignee may do lIIis without any
You ab. agree to pay r.....able alfomeys' 'ee. ,1 Seller 01 ~gn.. hlles an allor.ey to ,collect priJlr notice to YQU, ' .
am.unts due under this Contract.r t. proteet.r get p.ssessi.n .fthe Vehicle. Y.u agreet. make ADOITIONAlJERMS AND CONDITIONS' THIS CONTRAClCONTINUES ON THE REVERSE SIDE.
payments at the place .r t. send payments t. the address which Ihe Assignee m.st recently YOU ARE OBLIGATED TO ALL THE TERMS' OF THE CONTRACT WHICH APPEAR ON THE FRONT AND
specifies in the wrilfen notice to Y.u. REVERSE SIDES.
By signing below, we agree to sell the Vehicle to you under the terms of this Contracl NOTICE TO BUYER-OO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE
ENTITLED TO AN EXACT COpy OF THE CONTRACT YOU SIGN, KEEP IT TO
PROTEC R LEGAL RIGHTS,
~€ /..!~NCe h"'l1.-.1ce c::,
~~t!~
BUYE
/J
(S. EAL) 9' _ l...- .[,
_, (/ It;~ f.
(SEAL)
Oate
SELLER
BY:
8-/),,-'17
Date
BUYER
CO-SIGNER: YOU SHOULD RE,l.D THE NOTICE TO CO-SIGNER, WHICH HAS BEEN GIVEN TO YOU ON A SEPARATE DOCUMENT, BEFORE
SIGNING THE CO-SIGNER'S AGREEMENT.
CO-SIGNER'S AGREEMENT: You. th~ person (or persons) signing below as "Co-Signer," promise to pay to us all sums due on this Contract and to perform all
agreements in this Contract. You intend to 'be legally bound by all the terms of this Contract. separately and together. with the Buyer.-You are making this promise to
induce us to make this Contract with the Buyer. even though we will use the proceeds only for the Buyer's benefit. You agree to pay even though we may not have
made any prior demand for payment on the Buyer or exercised our security interest. You also acknowledge receiving a completed copy of this Contract.
(SEAL)
Co-Signer's Signature Address Dale
(SEAL)
Co-Signer's Signature Address Date
'. 'A,'~ ~~ .
CO-OWNER'S SECURITY AGREEMENT: You, the peno. II signing belo\<( "'\.;'C..owncr," 10Whcr with'\he Buyer .or olherwiscl!eiog all of the Owners of,the Vehicle,
give us a Security Interest. in the Vehicle idcntifidt\ abOve. You agree to 1JefbotiDd by the terms oifllc Security Agreement and all other parts of thii Contract except the
"Promise To Pay" section. You are giving us the security interest to induce us to make this Contract with the Buyer. and, to secure the payment by the Buyer of all sums due
on this Contract You win not be responsible for any dcfteiency which might be due after repossession and sale of the Vehicle. .
(SEAL)
Co-Owner's Signature
BUYER CO-SIGNER AND CO-OWNER, AS APPLICABLE, ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS CONTRACT
E'TIME OF SIGNING. ..
Address
Date
YER CQ,SIGNER
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION.
CO,SIGNER DR CO-OWNER
8ANCONSUMER FORM PA 21.SlC (Rev. 6/96)
BORROWER/CO-SIGNER COpy
. 1996 8ANCONSUMER SERVICE. INe.
-
~-
.
'''~~-;
9.
LIANCE
FINANCE
COMPANY
(717) 691-8831. FAX (717) 691-9213
P,O, Box 1006. Mechanicsburg. PA 17055-1006
MARCH 27, 1998
CLAIRE JESKE
247 CYPRESS AVE.
JOHNSTOWN, PA 15902
,j
RE: DEFICIENCY BALANCE ON LOAN 1021-000013
Dear Ms. Jeske,
As you recall, Reliance Finance Company repossessed the 1988 CHEVY
CAVALIER, VIN #lG1JF11WOJJ147483, formerly owned by you on
NOVEMBER 28, 1997, according to law, as well as provisions set
forth in the Motor Vehicle Installment Sale Contract signed by you
for the purchase of said vehicle.
The vehicle in question was sold by Reliance Finance company on
FEBRUARY 20, 1998. The net amount received, after expenses for
selling and preparation for sale, was $5,245.00.
The amount of $5,245.00, when applied to the outstanding balance on
your loan of $5,631.00, leaves a total of $386.00 due and payable
by you, in order to satisfy the contract.
RELIANCE FINANCE COMPANY HEREBY DEMANDS PAYMENT IN FULL OR MAKING
PAYMENT ~GEMEH'1'S FOR THE BALANCE OF $386.00 WITHIN TEN (10)
DAYS OF yotJR RECEIPT OF THIS LET'l'ER.
Failure on your part to comply with the payment demand as described
herein may result in legal action against you to collect the
balance.
Please call this office at 1-800-927-8965 should you have any
questions, or if you cannot immediately comply with the demand.
Sincerely,
E~k,b, \-.8
"
""
~ O-'-d-';_-'!1'-
'i)
'r~ri~;t
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_'~*~'~~:-,7<-'<:~::;;~'-::T" \'1 :-::>.~'
LIANCE
FINANCE
COMPANY
(717) 691-8831. FAX (717) 691-9213
OTICE OF REPOSSEsSl'ffN06. Mechanicsburg, PA 17055-1006
November 28, 1997
Mrs, Claire L Jeske
247 Cypress Ave,
Johnstown. PA 15902
"
Dear Mrs, Jeske:
In accordance with your contract, Reliance Finance Company hereby acknowledges your Repossession due to
delinquency, Under the terms of your contract, you are advised of the following rights regarding vehicle
repossession:
A.
REDEMPTION:
You have the right to buyback (redeem) the Vehicle within 15 days of the mailing
of this Notice and at any later time before we sell the Vehicle, You have 30 days
to redeem your personal effects or they will be disposed of Below you will find
a statement of the amounts to be paid to us, If you do not redeem, you give up
claim to the vehicle.
Delinquem amount
Repo fee
Certified mail
YOUR TOTAL PAYOFF AMOUNT IS:
$ 2,650.80
$ 355.06
$ 2.77
$ 3,008.72
B.
SALE:
If you don't redeem. we will sell the Vehicle, The money received at sale 'will
be used to pay costs and expenses you owe. and then to pay the amount you owe
on the Contract.
C.
SURPLUS
OR DEFICIENCY:
If there is money left. we will pay it to you (the Buyer), If there is not enough
money from the sale to pay what you owe. Buyer and Co-S/gner have agreed
(per the sale contract) to pay what is still owed to liS,
D.
EXPENSES:
Per your contract. you have agreed to pay the costs of repossessing, storing,
repairing, preparing for sale and selling the Vehicle as may be allowed by law.
These costs will only be due if:
I, Default exceeds (IS) days at the time of repossession;
2, The amount of costs are actual. necessary and reasonable;
3, We can prove the costs were paid,
A judgement will be entered against you and the Repossession will be reponed to the Credit Bureall of Greater
Harrisburg, The vehicle is being stored at 2525 5th Ave Mckeespon, PA 15132. If you have any questions or
require additional infonnat/on, please contact us at (717) 691-8831 or 1-800-927-8965,
Please respond immediately!
Sincerely.
L/J / - " I
Be~:~~, .~
Collection Manager V '
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SHERIFF'S RETURN - OUT OF COUNTY
CASE NO: 2000-06572 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
RELIANCE FINANCE COMPANY
VS
JESKE CLAIRE
R. Thomas Kline
, Sheriff or Deputy Sheriff who being
duly sworn according to law, says, that he made a diligent search and
and inquiry for the within named DEFENDANT
, to wit:
JESKE CLAIRE
but was unable to locate Him
in his bailiwick. He therefore
deputized the sheriff of CAMBRIA
County, Pennsylvania, to
serve the within COMPLAINT & NOTICE
On November 3rd, 2000 , this office was in receipt of the
attached return from CAMBRIA
Sheriff's Costs:
Docketing
Out of County
Surcharge
Dep. Cambria Co
18.00
9.00
10.00
37.75
.00
74.75
11/03/2000
YOFFE & YOFFE
~
. Thomas Kline
Sheriff of Cumber],and County
Sworn and subscribed to before me
this!? ~
day of ~
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~a. htA dl., ~
prothonotar
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In The Court of Common Pleas of Cumberland County, Pennsylvania
ReI iance Finance' Company
VS.
Claire Jeske
No. 7.0-1>')7/ Civil
Now, 10/3/00
,200" , I, SHERIFF OF CUMBERLAND COUNTY, PA, do
hereby deputize the Sheriff of ('",mhri '"
COlUlty to execute this Writ, this
deputation being made at the request and risk ofthe Plaintiff. b""#
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Sheriff of Cumberland County, P A
Affidavit of Service
Now,
, 20_, at
o'clock
M. served the
within
upon
at
by handing to
a
copy ofthe origi..nal
and made Imown to
the contents thereof.
So answers,
Sheriff of
County, PA
Sworn and subscribed before
methis_dayof ,20_
COSTS
SERV1CE
:MILEAGE
AFFIDAV1T
$
$
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................................................=======.................8..
10/19/00
YOFFE & YOFFE P.C. BOB KOLAR, SHERIFF
214 SENATE AVENUE #203 CAMBRIA COUNTY
liilKKIYl.YAKIA
CAMP HILL PA 17011-0000
STATEMENT
BOB KOLAR, SHERIFF
SHERIFF, CAMBRIA COUNTY, PA
v S
CLAIRE JESKE 00-6572
ICIVIL REC & DOCKETING & R
ICIVIL SERVICE
IGENERAL MILEAGE
IPROTHONOTARY NOTARY
IREFUND ON DOCKET
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ITOTAL COSTS.............
ITOTAL RECEIPTS..........
9.00
9.00
16.25
3.00
62.75
RELIANCE FINANCE CO. 00-6572
90291-00
NOTICE & COMPLAINT
RELIANCE FINANCE CO. 00-6572
YOFFE & YOFFE P.C.
214 SENATE AVENUE #203
CAMP HILL, PA 17011
100.00
100.00
.
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CASE # PLAINTIFF
90291-00 RELIANCE FINANCE CO. 00-6572
DATE 10/09/00
DEFENDANT
CLAIRE JESKE 00-6572
AT 2:05PM - SERVED THE COMPLAINT WITH NOTICE TO DEFEND UPON
CLAIRE JESKE BY HANDING A TRUE AND ATTESTED COPY THEREOF TO
HIM PERSONALLY AT 247 CYPRESS AVE.,JOHNSTOWN,CAMBRIA COUNTY,
PA AND MAKING CONTENTS THEREOF KNOWN TO HIM. MY COSTS PAID
BY ATTORNEY FOR PLAINTIFF.
SHERIFF COSTS:
PRO:
TOTAL:
$34.25
3.00
$37.25
SO ANSWERS, A ~ ;+/ ~
r t SHERIFF
PRO:
ME THIS ~DAY OF OCT.,2000.
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RELIANCE FINANCE COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
NO. 2000-06572
CLAIRE JESKE,
Defendant
CIVIL ACTION - LAW
RESPONSE OF RELIANCE FINANCE COMPANY
TO COUNTERCLAIM OF CLAIRE JESKE
10. No response required.
11. Admitted.
12.
Denied.
On or around February 20, 2000, the vehicle was
sold for $5,495.00 (as opposed to the lower figure of $5,245.00). By way
of further response, in order to sell the repossessed vehicle, Plaintiff
had to spend $2,623.24 on the vehicle for repairs, storage, etc. in order
to get the vehicle ready for resale. All this brings to $136.87 (before
Attorney fees and Court Costs) the total balance owed by Defendant to
Plaintiff which is lower than the $410.61 pled by Plaintiff in their
complaint.
$2,650.80 + $355.06 (repo fee) + $2.77 (certified mail)
+$2,623.24 (repairs, storage, etc.) = $5,631.87 less $5,495.00 = $136.87.
WHEREFORE, Reliance Finance Company requests judgment against
Claire Jeske in the amount of $136.87 plus $475.00 in attorney fees for a
total of $611.87.
YaFFE & YaFFE, P.C.
By Jr/b; Ih. '-
{)ZEFFRE N~ YO'fF , ESQUIRE
Attorney for Reliance Finance
214 Senate Avenue, Suite 203
Camp Hill, PA 17011
(717) 975-1838
Attorney ID No. 52933
Reliance\jeske\response
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VERIFICATION
I hereby state that I am an adult individual who is authorized
to make this verification and that the facts set forth in the foregoing
RespOl'1s~ are true to the best of my knowledge, information, and
belief. I understand that false statements herein are made subject to
the penalties of 18 Pa. C.S. 54904 relating to unsworn falsification to
authorities.
RELIANCE FINANCE COMPANY
Dated:
reliance\verification3
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RELIANCE FINANCE COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
vs.
NO. 2000-06572
CLAIRE JESKE,
Defendant
CIVIL ACTION - LAW
CERTIFICATE OF SERVICE
The undersigned certifies that on the date indicated below he
served a copy of the foregoing Response on Claire Jeske.
Service was
accomplished by depositing the same in the United States Mail, First
Class, Postage Prepaid and addressed as follows:
Claire Jeske
247 Cypress Avenue
Johnstown, PA 15902
YOFFE & YOFFE, P.C.
Date: November 17, 2000
By ~~Ih~
~FFRE N. yofFE, ESQUIRE
Attorney for Reliance Finance
214 Senate Avenue, Suite 203
Camp Hill, PA 17011
(717) 975-1838
Attorney ID No. 52933
Reliance\jeske\certificate
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