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Home My WebLink About00-07517 . ~ ~I ,"- ~~" _,,<;J 'i:,c . . IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PEOPLES STATE BANK, Plaintiff NO. fro - 75'/7 ~ VS. ROBERT M. BAKER, 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 is 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 document, 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. NOTICIA Le han demandado a used en la corte. Si used quiere defenderse de estas demandas expuestas en las paginas siguientes, used tiene viente (20) dias de plazo al partir de la fecha de lademanda y la notificacion. Used debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y puede entrar una orden contra used sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Used puede perder dinero 0 sus propiedades 0 otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUlR ASSISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 800-990-9108 Document #: 172193,1 1 -' '-':'i- I. - hi!!' . . IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PEOPLES STATE BANK, NO. (}6- 1S/7 {1;,;( ~ Plaintiff VS. ROBERT M. BAKER, Defendant CIVIL ACTION - LAW COMPLAINT AND NOW, comes Plaintiff, Peoples State Bank, by and through its attorneys, Metzger, Wickersham, Knauss & Erb, P.C., and states the following cause of action and in support thereof, avers as follows: 1. Plaintiff, Peoples State Bank, is a financial institution qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of business situate at 100 East King Street, East Berlin, Adams County, Pennsylvania. 2. Defendant, Robert M. Baker, is an adult individual with a last known address of 714 Hummel Avenue, Lemoyne, Cumberland County, Pennsylvania 17043. 3. Defendant is, and at all relevant times material hereto was, the primary loan applicant. 4. On or about November 20, 1998, Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. A true and correct copy of the loan application is attached hereto, incorporated herein and marked as Exhibit "A". Document#:18497&J , 1- ~ . , 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed the Motor Vehicle Installment Sale Contract (hereinafter referred to as "Contract"). A true and correct copy of said Contract is attached hereto, incorporated herein and marked as Exhibit "B". 6. The Contract marked as Exhibit "B" contained the terms and conditions of the extension of credit agreed to by the Defendant. 7 . Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. From December 22, 1998 through June 25, 2000, Defendant made various payments to the Plaintiff as repayment of the monies borrowed from Plaintiff. A true and correct copy of the statement of account, consisting of six (6) pages, reflecting payments made by Defendant to Plaintiff, is attached hereto, incorporated herein and collectively marked as Exhibit "C". 9. On or about June 12,2000, Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant, a 1994 Chevrolet SW Blazer, serial number 1GNCTl8W3ROll0256, is being considered as a repossession and unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale on account of the Defendant and Defendant would be still responsible for any resulting deficiency. A true and correct copy of this letter is attached hereto, incorporated herein and marked as Exhibit "D". 10. As a result of Defendant's failure to cure the default in payment, Plaintiff sold for and on account of Defendant said 1994 Chevrolet SW Blazer at Pennsylvania Auto Dealer's Document #: 184978.1 . ~, J. ". ,,--,,' ~tir:i"! . , Exchange, Inc. 11. On or about August 9, 2000, Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the 1994 Chevrolet SW Blazer in the amount of Eight Thousand One Hundred Forty and 80/100 Dollars ($8,140.80). A true and correct copy of this letter is attached hereto, incorporated herein and marked as Exhibit "E". 12. Plaintiff has maintained a statement of account, marked as Exhibit "C", keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Plaintiff. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 15. Despite Plaintiff's reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of August 30, 2000, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand One Hundred Forty and 80/100 Dollars ($8,140.80). See Exhibit "C". 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge at a rate of 12.50% on the principal loan balance. Document #: 184978.1 .- --~""7----,---------- I -1,- ___I ll~'", 18. Pursuant to the terms and conditions of the extension of credit as set forth in Exhibit "B", Defendant agreed to pay reasonable attorney's fees and all court and collection costs. 19. Plaintiff has retained the services of the law firm of Metzger, Wickersham, Knauss & Erb, P. C. in the collection of the amounts due and owing by Defendant. 20. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Metzger, Wickersham, Knauss & Erb, P.C. in the collection of the amounts due from Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 21. The amount of attorney's fees incurred in this matter is the sum of Two Thousand Four Hundred Forty-two and 24/100 Dollars ($2,442.24). 22. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 23. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, Peoples State Bank, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Robert M. Baker, in the amount of Eight Thousand One Hundred Forty and 80/100 Dollars ($8,140.80), plus interest at an annual rate of 12.50%, reasonable attorney's fees in the amount of Two Thousand Four Hundred Forty- Document #: 172193,1 i~.....L " . ,,,,,-,,- ~- >^, , , two and 24/100 Dollars ($2,442.24), the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, METZGER, WICKERSHAM, KNAUSS & ERB, P.C. By: Steven rtn y, 3211 N. Front Stree Box 5300 Harrisburg, PA 17110 (717) 238-8187 I.D. # 74669 Attorney for Plaintiff Dated: 30 September 2000 Document #: 172193.1 $ MAR. -02' 98 !MON! 13:4'4 MR- 2-98 HOti 11:31 .~.~ 1I0l.FSOHKAIIAH . . rtCnnm~l!J)l FAll NO. 8481146 I.LO~ P.DS ,~,,--," '''' 51 , VERIFICATION I, Georgia A. Bear, Vice Prosldent of Collections for Peoples Slafe Bank, wrify that the statements made in the foregoing Complaint are true and ~rrect to the best of my information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa.C.s. Section 4904, ~ating to unsworn falsification to authorities. a 1/ , VIce Pres. Of Collections \ \ .. . W....,i~.......JlilllIii.-~1 '" I ~. ~, it "":'j 100.--11#;/9> I""" 4t 1="=-"" . ' ~P~::~aniCS~Urg QSU~m'ei;j~le' UCarllsle J~-ANIlEI/ J (717)7&5-1593 (717)732-7777 (717)l!41-2410 ~;~1U:~~~\~t\~." ~,:;rrj~i~t~~~""" [l:,f.~"~:i~l~,.."",, P:~S'~nfe~~.2~ant · · : OUapptylhglm~~In)trollownnan'reill1lllllfm\lnroyOllyoorownlntnrn1lOl-auelSlDrlepaymenlollhecr~lroquesled,ClImPleteSe~nonI\. Ollapplylpg lor)olnlcredllWlIh anolherpBrScn, clllllplela Section A andB, -A. YOUR PERSONAL OREDlT HISTORY ,e= 1.'4- /. "". ~ ,- S- .J). ';.J' ....T\! Dl'COOO "'1;i'-~;-'{' _l/YW'ItEIlE_ il:I , --, ~- -.= -,- ~IIC"'" _.~ -.- ~" ~ ~~ -~ -~- ""'''''''''DA......, ~ ,- ,- ~.- ... ,,- -- -\...... _lroEIJ~_ ... "- ;I/'i0~"".S"1 'Hf,)S$ ,.........-......... 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II- , .Il- THE OTHER PARTY'S CREDIT HiSTORY - . . . . NlEna........_...........,.. If'dl .-..oTlWT ~r!M''r.7:J7!i ::rJ:1..~~ ~CDmllQlJ..UUAIlIUlYCaIOlP;COTHEII -- ~ ........,..,... - """""""""""""""".___"'0.__ -- - - --, - , -" -- _.~ -,- .-. - , ,- , -~ """""""""""""""""""""'- -~- '""',.......on..."" - ... ~- ~~ ......"'!*- "- _l/YW.....':-., ~- -, ......"""""""""......,...IfF....."""._ -- _.~ - IIUIlNEP_"""","",_STTIEIrr . ICHa>CING~ 1__ I-~"" t1ld\\n\ol_1IT1III~~IMlllOIIllIlIC'I~HlIb,~od~~,~~IMllldI!IImI\'ltil~Mi\1ll1tbltbmdl\UTI"'IIlIl\Id,Uv\hMIlmo.IlvttnIUve-, """"'OI'CllEDlTOfI _ ..........."" """'"".......... , . . . _THER!!...."'_~ ~1'eHt>HOJ_TlWT .!:'''su.., ...s_""'trUlf>llOPEllTYIMIlBEENAEf'(lSSESSEDl""""YlIUIlIl€PeJl&CHAlLV'NYOI>'EDIl NlEYlIUNlEHO<lRSEllOfl""""""'" A...........,.,.I'AOOEQlOHQ_LMr....'IVOIOI ..._oTIeIWNlOf\<lClI<JJWm UV'iS........., UNOU",U"" U"""NO '''''OOllll'omSUCEHsl!1<<I. -------s;A.. ~ _00. -~ ~ -~ -~. ~ _00 ~ -~ ~ .C. VEHICLE - RETAIL \\OhJ<loOpU.."'V.......Irlo...._od(hu"""...___...1). VIM aPSEAT_..... DLETH~ CCD CDploye< a__bmk.. IlIVCAO'~ Ilfld l'M........dock DI'STR _otooring 1ls,R &0>_ aTAPE T"",,_ Dl'WIM__ C1a1SteMle_ CItmlER laSE mSIWkdr;lllwilbll8llbral!ledtolhlcr_ladJcsledallhll<lpoftiSlllPlIdaUa.!or~al,l'wIlul/lOrlZ8d IhIcredilarlnraa!l8~lIvercridll.l1qUIdesKdeemsOOtlS$OllYncoon!tliarllllWlll*;crtdllajllIII~lildn lIIoIIcotrSl.r~crlDlIoctJaanl~trvdlroxleadlidlnllbnclr;lllllQlWiltakn VweIlllhnlll811f11l'llmlt\1TI1f'"'S1'>"_~apqln~md1\ltilh\llllloll<noll\IfWj nrO<lTllllr;llllllal~raayhSi8a1l1b!a1:llnresjlClllS'lo5lJthcredlt~,and;lpl,,"radllnfoaaa~oa.lIong lljll1l1Q~"'sHlIIIIUIlIIoIIcrodIIonI"'""IrtJ.'/<hsllIB((lfnal~~158ld_ AllnIonnair;lll"llorIIllnlNs~Is~loblllrtilr~lDlhBlotIs.ll1ldl!orIhoPllflOS8or \tIIiIOOg1llcrolit ltld /~nlll'_oll/IIl:\lIIlIlllllllilln",,","",R\\If\, (SE:LL&RSELECTIOHJ_OPTlONS DpJROAulomalloT,_ IlSSPOFMlSlHIICl_ 1l41'1ll Four__ QV!\l'UllpaI>_ CASHPRIt:Etl~LUDINGTAlC """'" CASHDDWNl'AYMENT TAA[lEINALLOWANCE OWlNGONTMOE MSRP '"' TOTfd.AMIlUNTfl!IANc.ED "'" """"~""""""""'"I"'f!l"'f'!'" .....-'u ...d...lull, . ~ L_J ,..L ~jj I'lhLlIilHUlHllll ~llllIllll I I., ~ "I " , "I "I " I I, t m 'II III" i " Jr; J 111L'!IIiUUIII,"1I1IdIIIJYIIIMldallmyw III~ lul.1 till! ul fUU' VVlchase ~JI Ihe cosl 01 YOY,crellll as rt,~ doll" amounllhe !D YDU OJ~" yo~r 001.,11, hliemade,llscheduledplymenlS, trelht Includlnllyou,d~wnpaymenf a really rate. credlf willt~sl you, 0 "$ "l 26.19.99 " ~ I I % I :':"'1:0' $ '."^^ A' I 0.. $ , "' Yo~, paymentS<hedule wlll be: Security; You Ire giving a s~cUrlly Inlcre5fln fhe molor vehicle being No,o/P.lymlnll Aml~nlo/Payrnen15 WhenPafm.nt!AreO~1 pu'chased, li- ST I .' ~..!n Monlhl ,III 'nni~ illJ": .\BE " I N/i\ Pr~paym.ol: "youpa,ol/early,youwillnolha~lopayapenll'y. fIUlIiFeu:$ :'. 1lI11 C/lafle: II a paymenl Is lale, you wm be Chllg~d 216 01 th~ pOrtion ~I!he pl\'lllenl which Illilllo, ~ich mOllIh, or Plrl or i mlmlll grliW 1/lio 10 days, lhal II remailJ$ unpaid, See below and any otI!al Conlrlct document! for ill)' IddlliGll.Il inlormation aboul !Mlnpal'll1~nt. d~IIUI~ any requilEd relllymenl fn lull befOIE the ~uled dde ~ IMPI-ylllellt IElund~and pen,lIIes. \_ e melnSl!$timale ~1:~Contract ~PAN~~:Y'Sr,'\UiO ,~^LF.S, " !heSHlEll ,01 ",. Lr)...ll~T 51, HECll.".NICSmmO, Nime M<keu PA. 17055 ,\,,:! If YOO 00 mn MEET YOOR CQtn~CT OBUGAII0NS, YOU MAy LOSEIHE MOTOR VEHIClEANO PROPERTY TKAT YOU BOUQIITWITHTHlSCQNTllACT,IJroIOR MlmfYON OEPIlSIT WITH THE ASSIGNEE. Thisfm1ltaclisllllween5elllrandBuyei,AD ~Mvebeenlmidtv,SeIle1.Se\\er inlendslo_\hi5ContracllollllAsliJnee, ItemizatJon of Amount Financed Cuhl'rice I (',39,99 ClsbfJownlllyrJlenl $ 2000,00 Trade-In Velul01 Trade.ln $ Uen Payoll 10: I Unpai~Casl1PriceIl311Ililil)bQ.Ql I Whalfsyour .. ToCredlllnsuranOlC l.I~! -:l5 Yeats i $ ,;-ToPubllcOtficlalslor. ~ . e! Llcense,Tag5 Ind Rel'l .. I ~ l~fu. 'li $SaLes Ta,JO: !l. ;! To ~ $OlIiER IrEES g 70 40. 0 , I ! 10 ; $ &: Ie I AmouolFlnlnCld 14109.91 , 1\i>l'.odt ::::~~ER{Sl, RI)[~F!\'r M fl."":ER 7H tllJMMEL AVE. LEMOYNE, PA. 17043 Nlme(s) Addr~S$(esl ZIPCode($J' Ifthereismo,elhan'oneBuyer,eachplOmlsel,sep.arelelyandtogelher,1opayan sums due usand 10 perform all ,greementl in thlsConlract. IRADE.IN: ~~l:~wi~;d:~le: I)) PLI:"M(:UTU ACC:L^.n\ ..~:_~ 'f,OO{l.QO S360,iH YearandMake Oerr;:rlption II II a balMce is still owing on the vehicl~ you ha~ lrildid In, Ihe Seller will f).'Iy oil lhis Imlunl on your behall. You wallanl and re~resenllo us tha\ inylrade.Jnislreeflllmllen,claim,encumlu-arn;ellfsecurilyinlereste~eplaslhownln!hellem!zafiono/All\OunlFinlncedulhe'lienPayDlf.' PROPUJY,!NSlJRANCE: Yon may choose the person lh'oUgh whom lasurance Is obt~lned ~g~lnslID$!I o,-damage to Ihe VehiGle and aplnsl II~bmy arising oul of U~ or 0ll'ller5h1p 01 the Vehicle, In !his Cenlrad. YOU Ira ~IQ~islng 10 Insure lhe Vehlclelnd keeQ ilins.ulEd. CRED'IIHSURANCflS NOT REQUIRED: Creditlile InsUfilnOlond tredlf Oisobilily I/l$uranue are nol;r~qujlEd 10 obllln credl~ and will nol ~e pr~l'ided'unleIS\'llu,SI8n below and ilweelo plylhaaddmonaltDst(s), Plmellld thoHOTlCEOFPROPOSEOCR~DIJ INSURANCE on tile I~~~ SUIt, Y~UI: 1~\Ifarn:e C'lltilIClW. l\{ \lcl~ 'fiilllf.11 ~w the IAAj';IMUlt MI1Wnl. d l!l'illrallte, 8~M\1b\'I, A" illi\ll~1lt8 jIllTthaltll will be lor the lerm oflhlcredlL 15200,00 639.99 2639.99 Bysignlng.JOu se1el:tSingie Credit Lit! tl15~'lnCe, Whltisy,ur wl1lchcostlS J."fJ.:'i1 age?~Ye.rs Bysignlng. you seleclSln81tl C,id;tAccldent & H.anhln,"lance,which.eOl;~f7'b4.87' , S\gna\\lllolBllfI'loba\nsuredlorSingleCrooltUlelnsurauce S\gnil\~m8u)a-lo~inilUl!Ilor!IIIglaCl1!lll1occlrlent&.HW\b1nslJr!rtI;e Bfli8nlng. you both se1ec:lJolnt C'adilLite Insurance.whlchcosl!.$_ ~J!/&~t~~l Bysigr;~fOllbollueleclJoinICled~ Whlllre Pereenl.lge ~&lteaII1Itnwtwe,oolli:lI~;...IiLA.YOW>l14l\obe in,ured .. ,. , SignJIuIl!$OlbolhBuYlrllobelnsUridlo'JolntCteditlile~ SliI1el~rlilo/bolhBuy.rslobelnuteeltor.lDint CledJlAocidlnt&lleiIhhlnlurJnce ". Insun!r. VEHICLE: You h~\'aagreedlopUlchase, underlhelermso!lhisConll1lc~ lhelollowingmolor"hicleandllllltraequlpmen~ whieh Is called lhe"Vehicle"laIhisCenlnel., . . IWl '"'''''- "'" """'" ""'" IrWIm.cw.cili: ..,.""'" USED 'j{ tltWm.n SW Equipped '/A.T.J,.P,S. AM.FMSleret> 5Spd, OIher wilt! ~A.C,.3.P,'fl, ,. MMMhpe ~\n-;l10\l ASSIGNEE: We may IISlgnlhilConlraclandSeeu,lly Agreemenlloalllnllna nee company which IS the "Auignee: rrlheA$5ill/leeasslgns lhe Conlractloa lubsequenl aS$lgaee, the Ierm al$o relel$losuchsub5equenlaS$lgnee,Atterlhelllignmen~ ell righlslnd bonenll01 lhe Seller;n lhls Cont,ael a"'! In the Securlly AglEemenl shall llelonglo and be e nllirceablo bylheA$!lgnee..TheAssiglle8 11'11I aDtify you when indi/Sellermakasanils'gnmenl 6 lGNCf18W3R0110256 I FlneneeCherp I l<ll:al&lI'1:t\l1I11t$II"~~~84 $ ~alrnlnISehldull' Yeu IgHHI to pay t6uS!lojm~~lAnln~idPlul'lnlerijltln' 342.96 p.aymenllol$ each, ,nu34t\!!\)Qfyrnenl 01 ; DtWilll.TI$ p.afme19fl1lbadueOll . ,.ndllrenpllmenls willbed~e~thllSll~edIYole.-:,?,!men,lh 1,lklwlng. ,;. .. ,) 1 "'" ~ 4409,93 Tlitff.{)l'lIS3TMt i:!.W~ l'.{l. !kl.1~.~1 WlIl. i'A 17'alt CQ.SIGftER: Any pel$Dn signin(lhe Co,Si(ne~1 Atreement h&low ~romlses 5ep3ralely I~d to(llhlll with aU Co.SI(IIer(Sl ancl Buyer(sj, to pay ~lIsYmsdueindlop~lformiUigreemealsinthisConlracLCI>-SIJlIlerJllllnolbeanOwnafoflheVlhlel" CO-OWNER:Anypel$QnslgnlnglheCo,Owne~sSeGurilyAgreemenlbeIUllglvesusasewrilllnleredln/heVlhlclelndaWellSleplralelyand \!leelMlwil.ll.u~.QWntl\$Jernl&lYf.I{$J,\g.!le~I\ll.ua?,le~\ntM$e~1Ilit1Ai~emen\tw.ll"elhefp,artsllltllil~\1iC\e~ll\\lIe, 'Promlse10 Pay"secNon, TERMS:Thelermlshownlnlhebo~esabOVllarepartollhlsContnel. =;y~~I::I~~n:el~IoTiaL,~Wih:~ 1:;:~~:1:eI: ~:~~le~re~k~~~~ pal'fng uslhe Amounl fina~eed pltl$ Interest. You promise to ma~e lllIymenls In acrordince willi the l'aymenlSched~1a. You promise 10mlM fIlym8llll ooorbelorelheslmedayefelch JIJIlnth 1151he rll5f IllJ'lllentdll\! dale, You agree Iofllyallolher amo~nls which mlybecomedueunder the terms ~I this Conlrlct YOIl agrlelo PlY the Seller Or Asslgll!e cosls ot sulL You Il$o agre~ 10 PlY l~ttlm1\I!jl'IItSU:le\la1JlItls~tirnlna'QorlW1lo~ilIlOllT<\$~llImmrllli3 Conlractor 10 prolei:lor getl105SlSlIonoflhe VelrJda, Y~uagf!eIDmakepaymentsalthepJIC!lIllIo sendp.aymlnlslo lheaddrllS3whlch theA!sQlnElemlMlretfillly,plCl1ieslnthewrttlen nllicelo~lIII. Byslgnlnghe/ovr,welgreeloselllheVehlcleloyouunderlhefem13o/lhilCoalricl Ii:, NOTICE TO BUYER-DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE ENTITLED TO AN._EXACT COPY OF THE CONTRACT YOU SIGN. KEEP IT TO ~:~T~~Jl~~? ~'TS, lSEAl) 11/20/98 ~ / Id~f)/98 SELlER Sl-'M1K[~i"!) AUTO SALES BV: '..-. 11/2D/98 BUVER lSEAl! ., Olle Date CO..sIGNERl YOU SHOU READ THE NOTICE TO Co.SIGNER, WHICH HAS BEEN GIVEN TO YOU ON A SEPARATE DOCUMENT, BEfORE SIGNING TUE CO'SIGNEIl'S AGRIOEMENT. Co.SIGNEIl'S AGlltEMENT: You, Ih. persoo (or person,) signing betow us ~Ca-Slguer.M promise 10 pay '0 UI ali lum. due ou thl. Controcl and to p.,ror~ all agreem.nt. in lhis Cootra<;t, You in'end to b.l.1'IIIy bound by nUChe tern", ofthia Contract, I.paralely nad tog.ther, wilh the Buyer, You ar~ making this prom",clO ~:~~~~; ~~i:ra::~~~d ~:~~:;~~~tt~~~h~W:;;,e~~~~~~~ ~~r~~::'~;~:cf~';:uo:i!/::k~~J:l:~'~~i:,~~ aY :ouma:,~~J~:: ~t~hlol~o",ft~";I~ may not hnn Co-Slgn.r'oSlgnnture (SEAL) Add",,, ~ (SEAL) Ca-Sigoer'sSlgnaluro Addr..s Dale CO.OWNEIl'S SECURITY AGREEMENT: Yoo, Ihe p....on ,igning below ns ~Ca-Own.r; togelher with the Buyer or nlherwi.. belll8 oIl orlbe Owo.... of tbe Vehld., gi.e ul a S""orilY Inter..1 in Ihe Vehiclc identified above, You ag",e 10 be bound by Ihe t.rms oflhe Secnrity AJllCe",.at and all ath., part. 01 thil Coatra<:1 IX""pt the "Prnmi.e Tn I'ny"~tioa, You a'. giving u, Ihe ,.c~,ity Intere.t 10 induoe olta ma~e 'his Cantrnel with th.lIuy.r, nnd losecure Ihe pnyment bytbe lIuj'('roralllunu due on 'hi. COn(,aet, Yau will nnl be respnn,fbldor a"y der.oiency whkh migbl bed"" afterrepoSSCSIion lInd..1o "fth. Vehicle. (SEAL) ~ Co-Owner'oSignature Addr.s. BUYER, CO-SIGNER AND CO-OWNER. AS APPLICABLE, ACKNOWLEDGE RECEIPT OF A COMPLETED COPY OF THIS CONTRACT ATTHE TIME OFSIGNING. X' / IMn' ! limn oo-su:.lltR NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORII-IATlON, to,SU;IU,llOll~lHII'INUl 01IlOONSUO(RfOIIMPIUSLCI6mj "I!lRlI.tIlCONSUO[RS!~I'\Cf,INC 1.1 " ~ ~'-, '." ~,__i o o AB- 101 REL # 3.00,00 (BRANCH 61, OPER JEP) TUESDAY AUG 28 2000 INQ - TRANS HISTORY BAKER ROBERT M CUST-NO 18028018 DEPT-NO 3 LOAN-NO 18050031 EFF DATE? Y OR N (N) ENTER NIL TO LIST ALL RECORDS - OR STARTING POINT AS MMYYYY D LOAN-NO P CL RATE TIC BR A DATE PRIN-AMT INT-AMT LOAN BALANCE 3 18050031 o 0'1 12.500 800 63 1 12588 1'1.108.81 .00 1'1.108.81 3 18050031 o 0'1 12.500 801 61 122288 188.33- 15'1.63- 13,821.58 3 18050031 o 0'1 12.500 801 81 012688 176.08- 188.87- 13.7'15.'18 3 18050031 o 0'1 12.500 801 81 021888 23'1.88- 108.27- 13.510.80 3 18050031 o 0'1 12.500 801 81 032588 181,01- 18 1.85- 13.328.78 3 18050031 o 0'1 12,500 801 81 0'12788 182,32- 150.6'1- 13,137.'17 3 18050031 o 0'1 12.500 801 81 052'188 221.'18- 121. '18- 12,815.88 3 19050031 o 0'1 12.500 801 61 082599 201.'12- 1'1 1.5'1- 12.71'1.57 3 19050031 o 0'1LT CHRG 830 81 073099 ,00 8,88 12.71'1,57 3 19050031 o 0'1 12.500 801 61 080999 ,00 127,00- 12.71'1,57 3 19050031 o 0'1 12.500 808 81 080999 ,00 .00 12,71'1,57 3 19050031 o 0'1LT CHRG 830 81 083099 .00 8.88 12,71'1.57 Continue, End . ""- ~ c'..... . . AB-101 REL # 3.00.00 (BRANCH 81, OPER JEP) INQ - TRANS HISTORY BAKER ROBERT M CUST-NO 19029018 DEPT-NO 3 LOAN-NO 19050031 EFF DATE? ENTER NIL TO LIST ALL RECORDS - OR STARTING POINT D LOAN-NO P CL RATE TIC BR A DATE PRIN-AMT 3 19050031 0 0~ 12,500 801 81 090199 155,73- 3 19050031 0 0~ ESC/LC 835 81 090199 ,00 3 19050031 0 0~ 12.500 801 81 093099 218.23- 3 19050031 0 0~LT CHRG 830 81 102999 ,00 3 19050031 0 0~ 12.500 801 81 I I 1599 1~8,55- 3 19050031 0 0~ ESC/LC 835 81 111599 ,00 3 19050031 0 0~LT CHRG 830 81 113099 .00 3 19050031 0 0~ 12,500 801 81 121599 217,70- 3 19050031 0 0~ ESC/LC 835 81 121599 ,00 3 19050031 0 0~LT CHRG 830 61 123099 .00 3 19050031 0 0~ 12.500 801 81 012000 195.5~- 3 19050031 0 0~ ESC/LC 835 81 012000 .00 3 19050031 0 0~LT 1_" o .,L ""!II"""""""{j:'"'l; ,;-_ TUESDAY AUG 29 2000 AS MMYYYY INT-AMT 187.23- 8,85- 12~.73- 8.86 19~.~1- 8.85- 8,88 125.28- 8,85- 6.86 1~7.~2- 8,85- Y OR N ( N ) LOAN BALANCE 12.558.8~ 12.558.8~ 12.3~0.81 12,3~0.81 I 2. I 92 . 08 12.192.08 I 2, I 92 . 08 1 1 . 97~ ,38 I 1 . 97~ . 38 I I ,97~ .36 11.778.82 I 1 .778,82 .. o .;;.,;_1. _I o =~--. ij~~' AB- \0\ REL # 3.00.00 (BRANCH 8\, OPER JEP) TUESDAY AUG 29 2000 INQ - TRANS HISTORY BAKER ROBERT M CUST-NO 19029018 DEPT-NO 3 LOAN-NO 19050031 EFF DATE? Y OR N (N) ENTER NIL TO LIST ALL RECORDS - OR STARTING POINT D LOAN-NO P CL RATE TIC BR A DATE PRIN-AMT 3 19050031 0 0~LT CHRG 830 81 030100 .00 3 19050031 0 0~ 12.500 801 61 030800 151.91- 3 19050031 0 0~ 12.500 801 61 031600 86.23- 3 19050031 0 0~ 12.500 81 I 61 032300 86.23 3 19050031 0 0~ 12.500 801 61 032300 .00 3 19050031 0 0~ 12.500 808 81 032300 .00 3 19050031 0 0~LT CHRG 830 81 033000 .00 3 19050031 0 0~ 12.500 801 81 0~2~00 210,71- 3 19050031 0 0~ 12,500 81 I 81 0~2800 210.71 3 19050031 0 0~LT CHRG 830 61 0~2800 ,00 3 19050031 0 0~ 12.500 801 61 051700 ~59,~6- 3 19050031 0 0~ ESCILC 835 61 051700 ,00 3 19050031 0 0~ 12,500 811 61 052600 ~59,~6 Continue, End . AS MMYYYY INT-AMT 6,86 193,09- 31,77- 31.77 118,00- .00 6.86 139.10- 139.10 6.86 226.~6- 1~.08- 226.~6 LOAN BALANCE I I .778.82 11.626.91 I I . 5~0 . 68 11.626.91 11.626,91 11,626.91 11,626.91 II .~16.20 11.626,91 11.626.91 II. 167 .~5 11.167,% 11.626,91 _C_J " o AB-101 REL # 3.00.00 (BRANCH 81, OPER JEP) INQ - TRANS HISTORY BAKER ROBERT M CUST-NO 19029018 DEPT-NO 3 LOAN-NO 19050031 EFF DATE? ENTER NIL TO LIST ALL RECORDS - OR STARTING POINT D LOAN-NO P CL RATE TIC BR A DATE PRIN-AMT 3 19050031 0 0~ ESC/LC 8~0 61 052600 .00 3 19050031 0 0~LT CHRG 830 61 053000 ,00 3 19050031 0 0~ 12,500 805 61 061600 '-.('u k,- 52.00 3 19050031 0 0~LT CHRG 830 61 063000 .00 3 19050031 0 0~LT CHRG 830 61 072800 .00 3 19050031 0 0~ 12,500 802 61 080~00<F,\<.... ~,281 ,25- YTD INT ,. 'I, [ o '~ -~ ~" ~- .;, ~M1!IrJ!~tJ:&;,' TUESDAY AUG 29 2000 AS MMYYYY INT-AMT 1~.08 6.88 .00 6,86 8.86 .00 458.51 YORN (N) LOAN BALANCE 11,626,91 11,626,91 11.678.91 11,678.91 11.678,91 7.397.66 - _II ,I j-, e~l- o o AB-101 REL # 3,00.00 (BRANCH 61, OPER JEP) LORN STATUS TUESDRY RUG 29 2000 MEMO FLRG INT YTD INT LS YR BRKER ROBERT M CUST.NO 19029018 DEPT.NO 3 LORN.NO 19050031 I EFF.DRTE <LORN.BRL 7,397,66 MRTURITY 2 TOTL.PMT <PRIN.DUE 1,~~9,58 PRID THRU 3 INT.RMT <INT.DUE 608.17 PRID TO ~ ESC'RMT <ESC'DUE .00 PRID TO 5 CR/LF.RMT <LC.DUE 5~,92 RS OF TODRY 6 R/H RMT <TOTRL.DUE 2, I 12.68 NEXT DUE 03/20/00 7 LC'RMT <..........--...........---...........-.....-......... 8 UNAPPL <NXT 'PR'PMT I ,736.97 RMT 'LS'PMT ~. 281 .25 9 FEE AMT <NXT.IN.PMT 663.75 UNPRID INT 608.17 -.........-....--.........<SCHED.PMT 3~2.96 ACCRD.INT 2~2.6503 TOTRL TRRN <INT PST DU 365.52 DRILY ERRN 2,5265 <INT.RRTE 12,5000 WRITE.DOWN .00 <ESC'8RL ,00 RCCRL-STOP ..STOP.. <R/H'REB .00 OFFICER 008 <CR/LF.REB .00 ORIG.DLR I ,~90.~0' <MIN ERRN .00 DLR.REB 778.77' <PAYOFF 8.060.75 PEN/FEE .00 07/20/03 02/20/00 03/20/00 ~ ~58 .5 I . 1 .609,38' (102 CUST PROF, 302 CUST INFO. 303 CUST CODE. 312 = LIRB) (308 = INST STMT. 309 = MEMOS. 305 = RCCT INFO. 313 = COL SCRN) ~ SEP. -12' 00 (TUE) 23: 56 ._~ '> PSB - LN OPERATIONS TEL:717t633t5624 p, 003 PSB................ , c 'LES STATEBAN1( June 12, 2000 Robert M. Baker 714 Hummel Ave. Lemoyne, PA 17043 RE: Notice of Repossession 1994 Chevrolet SW, Serial Number 1GNCT18W3R0110256 Dear Mr. Eaker: Please be advised that your 1994 Chevrolet SW is being considered a voluntary repossession as of this date. This. vehicle will be held for a period of 15 days from today's date, which will expire June 27, 2000, and is now in storage at Peoples State Bank, 100 E. King Street, East Berlin, PA, 17316. You have an absolute right to.redeem this unit and terminate your contract with us within the 15 days by payment of the unpaid balance due. However, if default at the time of repossession exceeded 15 days you must also pay the expenses of retaking, repairing and storing of this vehicle. !f you do not redeem this unit within said 15 days, we will sell this unit at a public sale to be held at Pennsylvania Auto Dealers Exchange, P.O. Box 41, York. PA 17405. The following is an itemized statement of the amount required to redeem this vehicle: unpaid time balance----------$ towing & repossession fee----$ storage fee------------------~ late charges-----------------$ interest due-----------------$ 11,626.91 52.00 75.00 41.20 393.24 (~5 per day) total gross amount"------$12,188.35----$12,188.35 Box 1000 E~s( Berlin. P'" 17316-0500 800.PS13.9B6B --' ~~ -" . '.'j I, """" "j;: SEP. -12' OO(TUE) 23:57 PSB - LN OPERATIONS TEL:717+633+5624 P. 004 Robert M. Baker Page 2 If you wish to exercise your righ~s under this notice an amount of ~12,188.3S must be paid to our office within said 15 days, by you. If this amount is not received, we will, without further notification to you, dispose of this unit as set forth above and in accordance with The Pennsylvania Uniform Commercial Code enacted by the General Assembly of The Commonwealth of Pennsylvania. Very truly yours, "-- r-.. ./ ...-;.".. \ .........,::;'----.. ,--,-~. Georgia A. Bear'~ Vice President Collections Department Via--Certified Mail No. 70~9 3400 0003 9128 3815 GAB/jep cc/file (" "~-.. -~... " . ,...;-,:., , " ~--'., SEP.-12'00ITUEl23:57 PSB - LN OPERATIONS TEL:7!7+633+5624 P. 005 Notice of Public Sale At Pennsylvania Auto Dealers Exchange, the following goods will be exposed to sale at public auction without reserve: 1994 Chevrolet sw, Serial Number lGNCT18W3R01102S6 This sale is held to enforce the rights of Peoples State Bank of P.O. Box 1000, East Berlin, PA 17316, as secured party arising under a security agreement executed with Robert M. Baker, of 714 Hummel Ave., Lemoyne, PA 17043, debtor, on file a~ Peoples state Bank, 100 East King Street, East Berlin, PA 17316. :;~~ " - ~ SEP. -12'00 (TUE) 23:56 PSB - LN OPERATIONS TEL:717+633+5624 , _~ - --I - ~ - " i;; ."",. .,1 P. 002 It PSI; August 9, :2000 Robert M. Baker 714 Hummel Ave. Lemoyne, PA 17043 Dear Mr. Baker: Your 1994 Chevrolet Blazer still a deficiency balance responsibility to pay. has been sold for $4,281.25. There is of ~,11n~ which is still your ~/f't9. . The law states that we must give you 15 days to pay the loan in full and we return the vehicle to you. Since you did not pay it off within the allotted time, we had the legal right to sell it for the highest bid that we received. However, this does not absolve you of the responsibility for the account. The monies we received were applied to your account, hence, the deficiency balance is still your responsibility and is shown as an outstanding debt against you at all Credit Bureaus. Please contact me no later than August 19, 2000 to schedule an appointment to discuss a repayment schedule. Please be advised that if you do not make arrangements by this date your account will be turned over to our attorney, Mr. Steven Courtney, to pursue the recovery of the monies due to the fullest legal extent. Also be advised that any additional fees and costs incurred by the attorney will also be at your added expense. Sincerel & GeorgJ.a A. BeaX' Vice President Collection Manager GAB/jep cc/Barry Dillman file 1/ 13", 111111' E.)l-.l Ih'rlill. P\ ),-'111 nr;lltl f'HHI I'''d~ r 1~~1 ;{ ":";';';:" '-lila"~ j.l:l.~~~~"l"'- a-!lIjic.'-t., ,>-!;i'~~*,,*.wMI"lM!il'N.""lii:..t~=~~I~~' ......... f"Iiii""""'~" ~ '~-;"""'ll""''';' ..' ~ G ~ FtJ ~ ~ cI Cj- " " "" -. ~ ,~, . ~ 1'-" -. ;::) c> " c...J-.l uv ~'! I .~ ~ 'JV ::G ..c::::'-- :::;:" N C" . .- lj ~f \U,~ ~.~- . ~C ;;:;~~ (' <- ,.;-," - f"-,) <---. ~--:I ~ r:::!. -..4 ."<i :,-tJ ~ (::1 -< .._.~, ,r ;,., '~ i II ",! h 'tl 1:1 ri ;1 II !I II , ~ , ,- . ~~ I," 1,[ __~._.Ll M= ~~-" __~",ll>jj>l-""iIm-"",,'l SHERIFF'S RETURN - NOT FOUND CASE NO: 2000-07517 P COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND PEOPLES STATE BANK VS BAKER ROBERT M R. Thomas Kline ,Sheriff or Deputy Sheriff, who being duly sworn according to law, says, that he made a diligent search and inquiry for the within named defendant, DEFENDANT BAKER ROBERT M but was unable to locate Him in his bailiwick. He therefore returns the COMPLAINT & NOTICE , NOT FOUND , as to the within named DEFENDANT , BAKER ROBERT M DEFT. NO LONGER RESIDES AT ADDRESS STATED, FWDG IS NOT VALID, DID NOT RECEIVE ALTERNATE ADDRESS FROM ATTORNEY COURTNEY, PAPER EXPIRED ON 11/24/00. Sheriff's Costs: Docketing Service Not Found Return Surcharge 18.00 10.54 5.00 10.00 .00 43.54 7~~~ R. Thomas Kl ine Sheriff of Cumberland County METZGER, WICKERSHAM 12/11/2000 Sworn and subscribed to before me thi s J'II& day of ~'"~ olw-o A.D. Q:tc' 11. ~ .~ P t onotary I J ~;" . ~ , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PEOPLES STATE BANK, Plaintiff NO. p-o ~ 75/7 ~ VS. ROBERT M. BAKER, Defendant CIVIL ACTION - LAW NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following page~, you must take action within twenty (20) days after this Complaint and Notice is s~tyed, by entermg a written appearance, personally or by attorney, and filing in writing with the Cdurt 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 document, or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOOLD 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. NOTICIA Le han demandado a used en la corte. Si used quiere defenderse de estas demandas expuestas en las paginas siguientes, used tiene viente (20) dias de plaza al partir de la fecha de lademanda y la notificacion. Used debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si used no se defienda, la corte tomara medidas y puede entrar una orden contra used sin previo aviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Used puede perder dinero 0 sus propiedades 0 otros derechos importantes para used. LLEVE ESTA DEMANDA A UN ABODAGO INMEDIATAMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, VAYA EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA CUY A DIRECCION SE ENCUENTRA ESCRIT A ABAJO PARA A VERIGUAR DONDE SE PUEDE CONSEGUIR ASSISTENCIA LEGAL. Cumberland County Bar Association 2 Liberty Avenue Carlisle, Pennsylvania 17013 800-990-9108 TRUE COPY FROM RI:"CORD In Testimony whereot, I. hare unto ~et my hand ~nd t~ *~O~d ou at ca~IISI8~~ JII_:;t:,{~! "- i_ ~~.......,,,",~' , ' , . " IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA PEOPLES STATE BANK, Plaintiff NO. vs. ROBERT M. BAKER, Defendant CIVIL ACTION - LAW COMPLAINT AND NOW, comes Plaintiff, Peoples State Bank, by and through its attorneys, Metzger, Wickersham, Knauss & Erb, P.C., and states the following cause of action and in support thereof, avers as follows: 1. Plaintiff, Peoples State Bank, is a financial institution qualified to conduct business in the Commonwealth of Pennsylvania with offices and/or a place of business situate at 100 East King Street, East Berlin, Adams County, Pennsylvania. 2. Defendant, Robert M. Baker, is an adult individual with a last known address of 714 Hurmnel Avenue, Lemoyne, Cumberland County, Pennsylvania 17043. 3. Defendant is, and at all relevant times material hereto was, the primary loan applicant. 4. On or about November 20, 1998, Defendant applied to Plaintiff for a loan for the purpose of purchasing a motor vehicle. A true and correct copy of the loan application is attached hereto, incorporated herein and marked as Exhibit" A". Document #: 184978.1 ~', :.;;:-'1': '}" 5. The loan application submitted by Defendant was approved by Plaintiff and Defendant signed. the Motor Vehicle Installment Sale Contract (hereinafter referred to as "Contract"). A true and correct copy of said Contract is attached hereto, incorporated herein and marked as Exhibit "B". 6. The Contract marked as Exhibit "B" contained the terms and conditions of the extension of credit agreed to by the Defendant. 7. Defendant has accepted the monies borrowed from Plaintiff pursuant to the terms and conditions of the Contract marked as Exhibit "B". 8. From December 22, 1998 through June 25, 2000, Defendant made various payments to the Plaintiff as repayment of the monies borrowed from Plaintiff. A true and correct copy of the statement of account, consisting of six (6) pages, reflecting payments made by Defendant to Plaintiff, is attached hereto, incorporated herein and collectively marked as Exhibit "C", 9. On or about June 12,2000, Plaintiff provided a letter to Defendant stating that the vehicle purchased by Defendant, a 1994 Chevrolet SW Blazer, serial number lGNCTl8W3ROll0256, is being considered as a repossession and unless payment in full was made on the outstanding loan balance, the said vehicle would be sold at a public sale on account of the Defendant and Defendant would be still responsible for any resulting deficiency. A true and correct copy of this letter is attached hereto, incorporated herein and marked as Exhibit "D". 10. As a result of Defendant's failure to cure the default in payment, Plaintiff sold for and on account of Defendant said 1994 Chevrolet SW Blazer at Pennsylvania Auto Dealer's Document#:1849781 "'i ~-i . , ' Exchange, Inc. 11. On or about August 9,2000, Plaintiff provided a letter to Defendant indicating that there was a resulting deficiency after the sale of the 1994 Chevrolet SW Blazer in the amount of Eight Thousand One Hundred Forty and 80/100 Dollars ($8,140.80). A true and correct copy of this letter is attached hereto, incorporated herein and marked as Exhibit "E". 12. Plaintiff has maintained a statement of account, marked as Exhibit "C", keeping an accurate and running amount of debits and credits made on Defendant's account. 13. Plaintiff has submitted to Defendant a copy of the statement of account accurately showing all debits and credits for transactions with Plaintiff. 14. Defendant has not objected to any of the monthly statements of account submitted by Plaintiff to Defendant. 15. Despite Plaintiffs reasonable and repeated demands for payment, Defendant has failed, refused and continues to refuse to pay all sums due and owing on Defendant's loan account balance, all to the damage of Plaintiff. 16. As of August 30, 2000, the balance due, owing and unpaid on Defendant's loan account with Plaintiff is the sum of Eight Thousand One Hundred Forty and 80/100 Dollars ($8,140.80). See Exhibit "C". 17. Pursuant to the terms and conditions of the extension of credit contained in the Contract, Plaintiff is entitled to receive and Defendant agreed to pay an annual interest charge at a rate of 12.50% on the principal loan balance. Document #: 184978,1 I ,~ . 1 .illil1~Q:t':: 18. Pursuant to the terms and conditions of the extension of credit as set forth in Exhibit "Boo, Defendant agreed to pay reasonable attorney's fees and all court and collection costs. 19. Plaintiff has retained the services of the law firm of Metzger, Wickersham, Knauss & Erb, P.C. in the collection of the amounts due and owing by Defendant. 20. As of the filing of this Complaint, Plaintiff has incurred reasonable attorney's fees from the law office of Metzger, Wickersham, Knauss & Erb, P.C. in the collection of the amounts due from Defendant incident to the within action, and Plaintiff shall continue to incur such attorney's fees throughout the conclusion of the proceedings. 21. The amount of attorney's fees incurred in this matter is the sum of Two Thousand Four Hundred Forty-two and 24/100 Dollars ($2,442.24). 22. Any and all conditions precedent to the bringing of this action have been performed by Plaintiff. 23. The amount in controversy is within the jurisdictional amount requiring compulsory arbitration. WHEREFORE, Plaintiff, Peoples State Bank, respectfully requests this Honorable Court to enter judgment in favor of Plaintiff and against Defendant, Robert M. Baker, in the amount of Eight Thousand One Hundred Forty and 801100 Dollars ($8,140.80), plus interest at an annual rate of 12.50%, reasonable attorney's fees in the amount of Two Thousand Four Hundred Forty- Document #: 172193.1 -,,~ '01 ~~ -'; . , . two and 24/100 Dollars ($2,442.24), the costs of this action, and such other relief as the Court deems just and proper. Respectfully submitted, METZGER, WICKERSHAM, KNAUSS & ERB, P.C. By: Steven rtn y, 3211 N. Front Stree Box 5300 Harrisburg, PA 17110 (717) 238-8187 LD. # 74669 Attorney for Plaintiff Dated: 30 September 2000 Document #: 172/93.1 lIf\K ,tlli nUN 11:.11 NULri:lUItAIIIIM - I I l'"fU\ nv_ Q"1Uj,l"'lU "W~ IIW,,", , VERIFICATION I, Cieorgla A. Bear, Vice Pl'GSldent of COIIGCtlons for Peoples Stare Bank, vvrify that the statements made in the foregoing Complaint are true and ~rrect to the best of my information and belief. I understand that false sm1ements herein are made subject to the penaltie5 of 18 PlLC.s. Section 4904, ~ating to unsworn falsification to authorities. 4 (/ , VIce Pres.: Of Collectlon5 , \ \ i.i L .0 C"'" - ~ - ,I I ."-- ' .~<" J--h.,... .. It: .I."~illI9!7) li~r'(,1" l-'-{,:d f' n~~lyTQ: ", ',_,1 , I "1INIlEI/" u Me~hanlG$burg 0 Summe.rdale U Carlisle ,. ~ (717)766-1693 {717)732-m7 ,(717)241-2410 f.ql1n69'->l14 foc~'n"""" in (7I11"H'" ;;sused Car Giant · · VllIctMd:(117179Q.o1001131l ViIIcI"!aBrl7171790-010011391 1102Ilar11stit1vPlt,C3rislI,PA11011 www.spankeys.com ;0 it, ailPlyt1g:lor Individual credit I. )'OUI' own nam~ amllelylng only on your own InclJme Of wets 101" repayJll8lt of!he credillequesled, complete Sec\i(J. A. :OW,ajlSlly/lllItorJolllICledllwlthanolhelpllrsoll,comp!elllSectionAandB. -A. YOUR PEItSONAL CREDIT HISTORY 'sr- g(~j., .n-"",,", - n -/- ,,"""" ~" '-' k.<<c te <m' 1'4- ~~ - l.IO.......,..._. 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THE OTHER PARTY'S CREDIT HISTOIIY -I I I ITiT-I~1 I I l""j"T-:.] ':':"'-- COl.O<JY IT"'" ZIP"""'" J __INEI>~ tll::::;'"'......~ "- . . . , - _.~ ~~IUI<<l ~<>......""""I>",...."I>"""-<>"","" ...., IUlllEANfO_lN't........"",,_. -~" - " --" -- -.- -.- ~. - " "- " -~ ..........,..,..."""""""'-- .....DF........_ _DFF1IE'\IOUIPI'IDIORfFlESS"""'........ - --- ....1'\'Vt..._. - - llUPE..-...tuoOISlNfOtmlfEr - -_. - . -- 1-""""""""'"" 1-- 1-"""'lI.OfI'1O ClldMra/...IICllIDI'Ir\llIlI....IDIIllQllkIlILlD;lud.IIlwlll~..bIlIb.;ndIClrdl,c/lIrg.MClIUIIlLllldlIdIlIIm.I.)ef~pllcln\klwblcllcnd.CIIlbIVlrfIlDd,llolhu\blllllclwolbml. _CII''''''''''''' __ -..uMIW>/tS . . . . __.......TI6fm~ 1IWl'G'::""-r...... -_.........~E\VI.....~~..............-.~'t.,._ um_ UNOu-.aUNO """"DIW>OT$UCEftSEID _YDUN<~"'''''''''''''''' a":=.........~ ... -~ -~. - -~ -- - .c. VEHICLE - - RIITAlL _Op\IoIIl.__.__lhuapllon}....tIoMl__naQ. VIM ClPSEAT_..... 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"W\l\ul lbtflll\lal ~lIWolll\ lilt credil IIU/ccsl you, ('). "''''''''''''''''1;''''1'''''''1'''1 lo \"lU 01 on jou,beJtaK. 1'''' 111",""1 IdU ~,IIIMI~ ~'IU ~II~I yuu t\l~m.W.llI~Wd{llI"M~ ('! '1 ~'" % 'p, "', lourPlym.nISdlldu)ewillbe: No,olP"mlnlJ AmlunlolPaflJl1nb ,:;" $.J _,)0 $ NO\ '"- .1 ~.. ~ IhclulalwslulfUUlp"lchneM ~intllldilli)ll\llmn~\'jIIIen\ _IS 26J9.99' WhenPaflJl'nUAo-eD., MQnlhl,be 'nnln lH;:I;l;J,IB'- 'I Steurlly:YouaregivlnilsecurllyinleresllnlhemDtorvehiclebelng purchlSOO, r"lllYll\lll\:\ly\IUpl,lIl1el\l'J,~w'fiillMl.llm\tl\ll'I1lGflIII'/, .'. flllngfHI:$ {at(ClIup:(lt\lll\M.nt~lale,Y'l'lwUlbr!etw~Z'lOllM\lDlIImIolUle\llymelllw\litll.\slateW;uehWMotll.or~Q/.WMoth'ifU\!lf\Mnlll~lhlli\.mTl~1IIljlI\d, Sell belDwand .nf olher Conlflel documenls fDrany addlliollat informalioJl atlDuI nonlll,men~ ~efaul!..nfrequlrecl repaymenl in luU before the scheduled d.le.nd prellll'fllenl refulldsandpenatlies. i, emeanustirnllr """ ~ ~ (.O.slGN!tll, YOU SKOU 1\EAD 'tHE NOttCE to CO.slGNE1\., WHICH HAS QEEN GIVEN TO YOU ON A SEPARATE DOCUMENT, .EFOIlE SIGNING THE CO-SIGNER'S AGReEMENT, ~~~~:~~~~:.=.~!~ ~~~n.:h~ ~1::.~~rt!:u~~n~~~\t~~~'I::~~~r:h~~~:n~:f:~~:~i;:!:rO~lh~:,1~'~h:~Bu;~~~;~~ki::,~'i.~~~i:.,~: ~~:;~~i:'ra::~::d~~~:I"O~~h~J:;e::~~=:;::rit;~I~~~~O:O~k~W~~~~i::m~':ul<>J;::nh~~~~""~ 1Iel!l.,.e ~t:~Conkael ,s;;i\N!.:!~Y'5 AUTO SAl.F.S lheSEUfR. 7(JI I,:, J.0('lI~T ,sT, MECHl\~IICSD{lI(G. H,me Addle$! ::YElI,SI, R')[lr~'[{"r N.me{sj PA. J 7()5~ \._:J ,. \ Zip Code M }!,\tr:R 7H HUMMEL AVE. f.EMOYNf., PA, 17043 Addresslesj lfPCodetsl fflhere~maretharione8uyer,eachpnlmises.$l!pmfetyandlailllher,lapay.UsumsdueuslndlaperlDrmatfagreemenlsinlhisConkact. TRADE-IN:, r:,~~~~~I~e: 9,1 PLYMOl1TlI ..~,Cr-L~JM <.~ 'flOOO,OO 5.360.01 (>39.99 YelrandMake D~rlplion I/. tfabil3llCl! isIUllo..i'1ionthevehlcleyauhal1tradedln.looSemerwl~payotllhis'mauntanJ'Ourbehalf. YOllwlIr,nl,ndteprennllouslhal Iny1rad'e",1'Islreelroflltien.clalm,lil\CUmbrancearUCIII~yinleres~ucellllsshownlnlhollamfzaliIlnolA/nllunlFiIlIncadnlhe'LlenPayaff.' , PROPER~Y IHS~RAHCf::Yau may choose the pe~n throullh Wflam Inlu/lnl:e Is obltine~ all'lnst 10$1I ardam~ 10 tho Yehlcle and IllIins! fi.blUIY1rlsinllOuloluseorOlinllShlpOlllle'Yehlell;tnlhisConWct.)'Ou"epramislngloinwrelheYehfateandkeepfllnlu~. CREDlTINSURAHCEISNOUEQUtRfil:Ci-edilLUelnsuran~andCredflDinbililytnlu"ncearenallequlredlooblllncredi~andwitl no,lbeprlMd'ed'unwSs~ousignbetoirand'allreeIO paYlheaddllionltcosl(sJ.Plelle rea~lhe NllTlCE OF PROI'OSED CREDIT INSlIRANCE onlhefl!velse$i~e. Your insurlnce certlflcale or policy witt Ietf you the MAlllMUM alllounl or Ins ullnce,lVailabte.Attlnsu"nce pUfChl$e~ .mbefotlhelermoflheetedit 8yslgning.)'OUseIeclSlnllIl!CredtlUletn.lllrance, W~lllsylUf lrilldll:f1Slsf 1,';'J.~1 age'~Y"($ B,slgning,l'OuseleclSln;eCrei.'lAWdenll. HII~hlnIUranae,lI"h1ch,cosit;~ WhllllYllll1 .p'...3.SV..ri SignatureolBujlrlol>einsuredrorSinileCrld'illitetnMance Si.Kfl!hJreoflJu1elo~tnSuredrorSlngleCredllAaidcnllHellhtllillrance By51~iI&JllIbOIhllelocl.llllntCredit WhIIare PertO!llIiil' kdde<It&lIuI\Ilow!w;e,'Ot\ir;lIQII{s$...Ii.l.b.."tOUlIl'l'lobe mluted a,sitnlnr,fOubcllllseIeclJoInl Cr~tl!o"'WlIM.e."'hlctICOS\s;~ H!,b;t:::l! I. 2. S/f:nalurnofbolhBuf6UlobelnluredforJolnlCred~lire~ , SlgnlllrresolbllthBul'!fSlobeinluredlorJolnl ClediIAcd4ent&Heaillll~rICe Insurer. ~ElUClE:~ouha'll\~I,Q~\ll,!ll'IillthetecmIQt~Col\t{lc\,ttlelollowilll~f~.ool\SU\ra.<<IUi!l-mem.-.lhld>.ilWle\l lhe....ehicle.tnlhisCOnlracL IiLlI ""....... "'" "'''". ...'" IrW;hJJ.cww ~.t:!umIlu USED 9~ C!fVl'!IlH SW (; IGNC'flSW3ROlI02S6 Eo.uloped "::"'A.T.-X,p.s. AM,fMSlereo 5Spd. Other with ~ A.c..'s'P.W, "':::"AM.FMTape VinytTop ASStGNEf:We may IssignillisConllaellndSecurilyAgleementloasatesfinlncecom plnYl'lhichislho'Assfgnee."fftheAssiEneeass!gns lheCorlillGtlaesuhsl!o.uentmivlee,thl!lermalsorefellloluchlllbse'tuenl,usiVlIte,AtlarfhellsfEllIllen~attrf&ttlsandbenefflsoflhe. 5elIe1InthisContllC\lndlnlheSeculilyAgreemenl~.tt~lton,IOJndbeanloruahlabythe Asslgnce.,The AssI.neowm nolifY)'Ou when ,lid ilSe/1ermakesonmEnmenL TJjEFfOPlESST"JtWil~i'.O.!lI;1I~[~,[a3llkrflll.r"1731G Cil-StGNU:AnypelS(lnsflninlltheCo,Slllner'sAgreementbelowpromisesseplrllelyand'logelllerwilhattCo.Signer{S/lnd BU)'I!r(sj.to illY ali$\llfRdutand\upe"olllllll~\nIhi5;ton\mLto-SIlnI1w\\Inlll.lrIano.nl1ll1\bO'hh\tlt. CO-oWNfR:Anypel.sonsiGnlnEl~eCo.(Jwner'sSecurl\yAgreementbelowGil'f,lusa$llcurilylnlere51lnlheYehiclelll~allreessePllllatYlnd IlIGdhlrl'lilItIUCo-Dwnll{SJandBuyer(sJ,laperlormallaifeemenlsinlheSewrilYAereomenlandalllilherparlsoflhlaCanlrulelcept\(le. .PIllll\Ist~h,'SWion, - ",,;;:, TER.S:ThtltennsslloYll1lt1fheboles~bovelreplrtoIIhlsConl"el PROMISE TO PAl': Yo~ agl~e to pal us the ToW Slle l'ikt lor the Veh"" by illiling!he Cash ~::'~~~~~~':':::~=l~~=a~ =ymel!ISchedlM. You prOllllle~lIli~plfllI~l:ign9"bdgrtIOOAlllldIYOlearbIOOlll/iUl!le ilIpa)Tllalldlllldlle,rouIilftIoDlylllolb!ttIMUIIlSwbk/lllllylrltoinedlJ/!un!erlhelerrrls ~f:~e,:::e:=~~r~~~~~L~:d~~~ tonIracl....llo!oclori'tpo5lCll....allheYM.YlIIll1tell"'lllilte~l:iJ\thepliCllGl'Io IMdpaymlstolb!alldrmrhichlheAssignelmoslfetetJltispecirlUlll/tewlill,nnotieeltlyoll. BYsilninebelotr.ireaIANIIo'seltlheYel1iclelltYGuunderlhe\llnnaolIhlsCllnlracL SEtlER SPM1KH? Al'lt) SALE:S 11{20/93 " \...-....-: BU" Co-SI'Mr"Signalur~ (SEAL) Add.-al (SEAL) tf VIlli OD NOT MEH YOUR CONTRACT OBL!GArtONS, VIlll/dAYLOSE: THE MOTOR VEtllCLEANOPROPfRTYTHATYOU BOUGHT WITH THISCONTRACT,ANO/OR MONEYONOE/'llStTWlTHTHEASSIGNEE ThisConbicllsbetweenSelletaooBtryef,,q lflSCkGilreslwlebeen miftbySeJer,SeIef JrteMstolSliinlhis~lottlaAssignee. ltemizaUon of Amount Financed caslrl'rice , Cash DollnpiI)'IlIen! , Trade.tn ViWUlTllde,ln , lien P~yolf to: . Unplt~Cash Mc! B~ , To Cr!dilIp5llrance t $ .E ToPuhliaOlliciills1or. i! Ucellle,TailandRe . , ~ llf.nfte 'Ii $Sa(e~ Tax ;! To ~ somEK l/Et,;S " 0; fa 40.00 ; , ~ !, ~ ~ lo 15200.00 2000.00 6.39.99 2639.99 60.01 , N':,A " A Amo~ntflnallCtd 14109.91 , ftnlneeCbarg, 4409.93 , TolltolraymtnlllTijJSf{iftnttl~ 84 , l'aylUnISebdul.. You Itreeto on ~UI~eJmOllnlfln'ncedpfuitnlerufln' 342.96 paymenllor$ Ueh,andj4i;!'!9!t:tymenIOI $ lI!atlTiL'i'ifl paY'"'~"6IIbedueon .' .alldlbenpallMnll Wilbedue.x.l/Il(lImedly~fe.aclti>onlh foIk1winC.' ", ,- i;,. .J_' ,~.. -, ~ (SEAL) 11/20/98 ,,}'IJm. ~ <>Si~'sSi&IWWie AddraJI Dal~ CO.oWNEll'S SECURITV AGREEM&NT, Vou, lbe pcrIGIIJIBnl"8 below III ~Co-OwM-r,~ logetllet with Ih6 Buyer (W olh.:rwile bcl"8 all orlbe (hvncra orlbe V~hiete, "" lit a Sc<:urilY Inlerell in ",~ Vehicle tdcn,ilicd abow, Vou 18....10 be bound by the lerms ofth. Soeurity Agreementlnll all olber !>erls of lhb Contrm .',,",!>llbe "I'TUfI\IH-Tol'ay~ _ion, YOllIT~aWinB IISlhutl;llrily\n\crUHolnd"""IISI<)If\HUllbCOft\'"""......blM ~'.and \O~\hc"'~I'M!II h~\hc lIuyuo{Ill_I<1.... on Jhb Contraet, Vou will nol be .-apofllibl. for any dclidenC)' wblch mllhl be due alt.. repoumion and nte of Ihe Vehiete, (SEAL.) ~ / '; Co-OwMr'sSlln.lun BUYER. CO-SIGNER AND CO.OWNER. AS APPLICABLE. ACKNOWLEDGE RECEIPT OF A COMPLETED COpy OF THIS CONTRACT AT THE TIME OF.SIGNING. >< BIJ1ER' Addral BUYER CO-SIGNER NOTICE, SEE REVERSE SIDE FOR IMI'ORTANT INFORMATION. IlAHCOHWMurOllMPI1J.SlCWSlI CO.SlGNERDRW.(IWNER .1!l9BlIr-/IOOHSUM[RS!"Il\IlC[,'~e ~"I -.... --~ li.f<t ~:':-; . '-'\ ", AB-101 REL # 3.00,00 (BRANCH 81, OPER JEP) TUESDAY AUG 29 2000 INQ - TRANS HISTORY BAKER ROBERT M CUST-NO 19029018 DEPT-NO 3 LOAN-NO 19050031 EFF DATE? Y OR N (N) ENTER NIL TO LIST ALL RECORDS - OR STARTING POINT AS MMYYYY D LOAN-NO P CL RATE TIC BR A DATE PRIN-AMT INT-AMT LOAN BALANCE 3 19050031 o 0'1 12,500 800 83 I I 2598 1'1.109.91 .00 1'1.109.91 3 19050031 o 0'1 12.500 801 81 122298 188,33- 15'1.83- I 3 , 92 I .58 3 19050031 o 0'1 12.500 801 81 012899 178.09- 188.87- 13.7'15.'19 3 19050031 o 0'1 12.500 801 81 021899 23'1.89- 108,27- 13.510.80 3 19050031 o 0'1 12.500 801 81 032599 181.01- 181,95- 13,329.79 3 19050031 o 0'1 12.500 801 81 0'12799 192.32- 150.8'1- 13.137.'17 3 19050031 o 0'1 12.500 801 81 052'199 221.'18- 121.'18- 12.915.99 3 19050031 o 0'1 12.500 801 81 062599 201.'12- 1'11.5'1- 12.71'1.57 3 19050031 o 0'1LT CHRG 830 61 073099 .00 8.86 12,71'1,57 3 19050031 o 0'1 12.500 801 61 080999 .00 127,00- 12,71'1.57 3 19050031 o 0'1 12.500 808 61 080999 .00 .00 12.71'1.57 3 19050031 o 0'1LT CHRG 830 61 083099 .00 6.88 12.71'1.57 Continue, End . ., , ~ .1 , ;,,1 _f'_ "., -. )r~i AB-101 REL # 3.00.00 (BRANCH 81, OPER JEP) TUESDAY AUG 28 2000 INQ - TRANS HISTORY BAKER ROBERT M CUST-NO 1802801B DEPT-NO 3 LOAN-NO 18050031 EFF DATE? Y OR N (N) ENTER NIL TO LIST ALL RECORDS - OR STARTING POINT o LOAN-NO P CL RATE TIC BR A DATE PRIN-AMT 3 19050031 0 0~ 12.500 801 81 090199 155,73- 3 19050031 0 0~ ESC/LC 835 81 090199 .00 3 19050031 0 0~ 12.500 801 81 093099 218.23-. 3 19050031 0 0~LT CHRG 830 61 102999 .00 3 19050031 0 0~ 12,500 801 81 I I 1599 1~8,55-, 3 19050031 0 0~ ESC/LC 835 61 I I 1599 ,00 3 18050031 0 0~LT CHRG 830 81 113099 .00 , 3 18050031 0 0~ 12,500 801 61 121599 217.70- 3 19050031 0 0~ ESC/LC 835 61 121598 .00 3 19050031 0 0~LT CHRG 830 61 123098 .00 3 19050031 0 0~ 12.500 801 61 012000 195.5~- 3 19050031 0 0~ ESC/LC 835 61 012000 .00 3 19050031 0 0~LT RS MMYYYY INT-AMT 187.23- 6.85- 12~.73- 6.86 19~. ~I- 6.85- 8.88 125.26- 6.85- 8.88 1~7.~2- 6.85- LOAN 8ALANCE 12,558.8~ 12,558.8~ 12.3'10.81 12.3~0.61 12.192.08 12. I 92 , 06 12.192.08 11.97'1.36 I I . 87~ . 36 I I ,97~ . 38 I I , 778 . 82 . I I , 778 . 82 "\ , I AB-101 REL ff 3.00,00 (BRANCH 61, OPER JEP) TUESDAY AUG 29 2000 INQ - TRANS HISTORY BAKER ROBERT M CUST-NO 19029018 DEPT-NO 3 LOAN-NO 19050031 EFF DATE? Y OR N (N) ENTER NIL TO LIST ALL RECORDS - OR STARTING POINT D LOAN-NO P CL RATE TIC BR A DATE PRIN-AMT 3 19050031 0 0~LT CHRG 830 81 030100 .00 3 19050031 0 0~ 12.500 801 81 030800 151.91- 3 19050031 0 0~ 12.500 801 81 031800 88.23- 3 19050031 0 0~ 12.500 81 I 81 032300 88.23 3 19050031 0 0~ 12.500 801 81 032300 .00 3 19050031 0 0~ 12.500 808 81 032300 ,00 3 19050031 0 0~LT CHRG 830 81 033000 .00 3 19050031 0 0~ 12.500 801 81 0~2~00 210.71- 3 19050031 0 0~ 12.500 81 I 81 0~2800 210.71 3 19050031 0 0~LT CHRG 830 81 0~2800 .00 3 19050031 0 0~ 12.500 801 81 051700 ~59.~6- 3 19050031 0 0~ ESCILC 835 81 051700 .00 3 19050031 0 0~ 12.500 81 I 61 052600 ~59.~8 Continue, End . AS MMYYYY INT-AMT 8.88 193.09- 31.77- 31.77 118.00- ,00 8.86 139.10- 139.10 8.86 228.~6- 1~.08- 226,~8 LOAN BALANCE I I . 778 . 82 11.628.91 11.5~0.88 11,626.91 11,828,91 11,626,91 11.628.91 II .~16.20 11.828.91 11.626,91 II, 187 .~5 11,187,45 11.828.81 ~, ~"-~",Ii ~-",'" --. . ~~ ) -1-; - ~" '~'"""",-,"'irt,,-: ~. AB-101 REL # 3.00,00 (BRANCH 81, OPER JEP) TUESDAY AUG 29 2000 INQ - TRANS HISTORY BAKER ROBERT M CUST-NO 1902901B DEPT-NO 3 LOAN-NO 19050031 EFF DATE? Y OR N (N) ENTER NIL TO LIST ALL RECORDS - OR STARTING POINT D LOAN-NO P CL RATE TIC BR A DATE PRIN-AMT 3 19050031 0 0~ ESC/LC 8~0 81 052800 .00 3 19050031 0 0~LT CHRG 830 81 053000 .00 3 1905003 I 0 0~ 12.500 805 8 I 08 I 800 '-<f" (<'>_ 52 . 00 3 19050031 0 0~LT CHRG 830 81 083000 .00 3 19050031 0 0~LT CHRG 830 81 072800 .00 3 19050031 0 0~ 12.500 802 81 080~00cF"~, ~,281 .25- YTD INT AS MMYYYY INT-AMT 1~.08 8.88 .00 8,88 8.88 .00 %8.51 LOAN BALANCE 11.828.91 11.828.81 11,878.9 I 11,878.81 11.878.81 7.397.88 "" \ i AB-101 REL # 3.00.00 (BRANCH 61. OPER JEP) LOAN STATUS TUESDAY AUG 29 2000 MEMO FLAG INT YTO INT LS YR BAKER ROBERT M CUST.NO 19029018 DEPT.NO 3 LOAN-NO 19050031 1 EFF.DATE <LOAN.BAL 7,397,66 MATURITY 2 TOTL-PMT <PRIN.DUE 1.~~9.59 PAID THRU 3 INT-AMT <INT.DUE 608.17 PAID TO ~ ESC.AMT <ESC'DUE ,00 PAID TO 5 CR/LF.AMT <LC-DUE 5~.92 AS OF TODAY 6 A/H AMT <TOTAL.DUE 2. I 12,68 NEXT DUE 03/20/00 7 LC'AMT <..--.-..-..-....-.................................... 8 UNAPPL <NXT.PR.PMT 1,736.97 AMT'LS'PMT ~.281 .25 9 FEE AMT <NXT.IN.PMT 663.75 UNPAID INT 608.17 _..._.....................<SCHED.PMT 3~2.96 ACCRD-INT 2~2.6503 TOTAL TRAN <INT PST DU 365.52 DAILY EARN 2.5265 <INT-RATE 12.5000 WRITE-DOWN .00 <ESC-BAL .00 ACCRL.STOP ..STOP.. <A/H'REB .00 OFFICER 008 <CR/LF.REB .00 ORIG'OLR 1 .~90.~0' <MIN EARN .00 DLR.REB 778.77' <PAYOFF 8.060,75 PEN/FEE .00 07/20/03 02/20/00 03/20/00 ~ ~58.51' 1.609.38' (102 CUST PROF. 302 . CUST INFO. 303 CUST CODE. 312 . LIAB) (306 . INST STMT, 309 . MEMOS. 305 . ACCT INFO. 313 . COL SCRN) ""'LJL. .l.~ UUlJu.....1 ..V'VV . J tJu LJI' VI LJn.fi I I Vlhl I 1_ lLHJ' 1.111 Uvv I vV..'t '" , r. UU.l ~ June 12, 2000 Robert M. Baker 714 Hummel Ave. Lemoyne, FA 17043 RE: Notice of Repossession 1994 Chevrolet SW, Serial Number 1GNCT18W3ROII0256 Dear Mr. Eaker: Please be advised that your 1994 Chevrolet SW is being considered a voluntary repossession as of this date. This vehicle will be held for a period of 15 days from today's date, which will expire June 27, 2000, and is now in storage at Peoples State Bank, 100 E. King Street, East Berlin, PA, 17316. You have an absolute right to'redeem this unit and terminate your contract with us within the 15 days by payment of the unpaid balance due. However, if default at the time of repossession exceeded 15 days you must also pay the expenses of retaking, repairing and storing of this vehicle. !f you do not redeem this unit within said 15 days, we will sell this unit at a public sale to be held at Pennsylvania Auto Dealers Exchange, P.O. Box 41, York, PA 17405. The following is an itemized statement of the amount required to redeem this vehicle: unpaid time balance----------$ towing & repossession fee----$ storage fee------------------$ late charges-----------------$ interest due-----------------$ 11,626.91 52.00 75.00 41.20 393.24 ($5 per day) total gross amount~------$12,1B8.3~----$12,188.3S BOl( 1000 EaSt Berlin. PA 17316-0500 BOO.PSB-9B68 ~- "'''',, ,,- ...... \ l V;\.jl _V'VI , UU UI1 VI Ul\n 1 J Vl1tJ ~~ ,i '~. L I J.jU' I J. I I V........ I ....V..'t ~ <~ :""iiI;o r, UU't Robert M. Baker Page 2 If you wish to exercise your righ~s under this notice an amount of ~~2,188.35 must be paid to our office within said 15 days, by you. If this amount is not received, we will, without further notification to you, dispose of this unit as set forth above and in accordance with The Pennsylvania Uniform Commercial Code enacted by the General Assembly of The Commonwealth of Pennsylvania. Very truly yours, - r-... ./ c:Jc:~- \ ..,;r..,;::;'--___ Georgia A. Bear~ Vice President Collections Department vta--Certified Mail No. 7099 3400 0003 9128 3815 GAB/jep cc/file I" "'--.. -~... 1J.I.,u. .1.'- VV\lVU1 ,-V'VI 'OU UH VI un,n 1 I VIHJ . __, -" I I Ll1J' I! I I V\JIJ I IJV..'t -'" ~"k"" r. UU~ Notice of Public Sa~e At Pennsylvania Auto Dealers Exchange, the following goods will be exposed to sale at public auction without reserve: 1994 Chevrolet SW, Serial Number 1GNCT18W3R0110256 This sale is held to enforce the rights of Peoples State Bank of P.O. Box 1000, East Berlin, pA 17316, as secured party arising under a security agreement executed with Robert M, Baker, of 714 Hummel Ave., Lemoyne, PA 17043, debtor, on file at Peoples State Bank, 100 East King Street, East Berlin, PA 17316. ........ .... ...... \ ~ v.../ .. V ' "" . . "" Lln VI 1.J1\1l11 VJljJ ~... I I. luLl' I J. I ' VVV' ....V..'i: ,~ vi 1. UU.. . IIPS8 August 9, 2000 Robert M. Baker 714 Hummel Ave. Lernoyne, PA 17043 Dear Mr. Baker; YOUr 1994 CheVrolet Blazer still a deficiency balance responsibility to pay. has been sold for $4,281.25. There is of ~,11n~ which is still your ~ /41,9 .erg" The law states that we must give you 15 days to pay the loan in full and we return the vehicle to you. Since you did not pay it off within the allotted time, we had the legal right to sell it for the highest bid that we received. However, this does not absolve you of the responsibility for the account. The monies we received were applied to your account, hence, the defiCiency balance is still your responsibility and is shown as an outstanding debt against you at all Credit Bureaus. Please contact me no later than August 19, 2000 to schedule an appointment to discuss a repayment schedule. Please be advised that if you do not make arrangements by this date your account will be turned over to our attorney, Mr. Steven Courtney, to pursue the recovery of the monies due to the fullest legal extent. Also be advised that any additional fees and costs incurred by the attorney will also be at your added expense. Sincerel ~ GeorS:La A. Sear Vice President Collection Manager GAB/jep cC/Barry Dillman file r./ Bm 111111' 1'..1>1 IIt.dill. I' \ 1.-1111 11",1111 HOt! 1'1..-11 'lt~l :{ ,', ~'_ :"-.....;..~l~~~~i('~i:JiY':w (~, lniiJ ;~ i:3e.f ~ ~ ~ Jt~. .-,".,_" , ~" -~ . " ,;, ~", ,_",rCf',__'_ b, ",..~. ''';., I:' ,c , , 'Ie n u Ad . ;j)J\,:Jrj '. 14 l""" -oJ' _;c., !~O . ~ - , c' ':',18 - ",~ """~ \ rJi &S ~. "~i ,---1 < __, 'l .. 0 1di::"', Godfrey & Courtney, P.C. BY: Steven C. Courtney, Esquire Attorney I.D. No. 74669 P.O. Box 6280 Harrisburg, P A 17,112 Attorney for Plaintiff (717) 54().3900 PEOPLES STATE BANK, Plaintiff : IN THE COURT OF COMMON PLEAS CUMBERLANDCOUNTY, PENNSYL VANIA VS. : NO. 00-7517 ROBERT M. BAKER, Defendant CIVIL ACTION -LAW STATEMENT OF INTENTION TO PROCEED TO THE COURT: Plaintiff, Peoples State Bank, by and through their attorney, Steven C. Courtney, Esquire, intends to proceed with the above captioned matter. Respectfully submitted, -....... By: Dated: Y(7(/ [)oel/men! #: 218597,1 W~l!.!_M,2iHw.-'OO.~~~\';I'~M.~ri!mli~>l'iI'~';~Il~ii[1!Ili:g:~' cl.J' ':"1',",,' ','r-.- ,.."~ "~~_.,,,,_. "~,,,_e-",,_ __", -_ ~ "_,' ,.,,',"''''';' ,_,~" ,,". ,__, ,_,,~ . ~ ...<_'" ,~ _ 7- IL;~_~ ~ I , ~-~- ~-'" (") c: ~ ~ yep n1cc, .z: r,' :z: E: (j) ~,~ -r'-:, '...: e:; "- ~Cj );0 c: :z: =< ~''''' -' ~ ~ '"' ,i Q c,; o "1 :1') '" ''0 , CD , .-f~;~ , c;--:; -D :!;. , , ~-~~ ;fj ;3f'~ ~ :0 -< ;;- .n ..., , ,- i Godfrey & Courtney, P.e. BY: Steven C. Courtney, Esquire Attorney I.D. No. 74669 P.O. Box 6280 Harrisburg, PA 17112 Attorney for Plaintiff (717) 540-3900 PEOPLES STATE BANK, : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA Plaintiff vs. NO. 00-7517 ROBERT M. BAKER, Defendant CIVIL ACTION -LAW PRAECIPE TO WITHDRA W/ENTER APPEARANCE TO THE PROTHONOTARY: Please withdraw Steven C. Courtney, Esquire of Metzger, Wickersham as counsel of record for Plaintiff in the above-referenced matter. Please enter the appearance of Steven C. Courtney, Esquire of Godfrey & Courtney, P.C. as counsel of record for the Plaintiff in the above-referenced matter. Respectfully submitted, By: GODFREY & COURTNEY, P. Dated: Iqd.d lo~ Steven C. Attome P.O. Box 280 Harrisburg, PA 17112 717-540-3900 Attorney for Plaintiff Document #: 218597,1 H .. - ~-, -< ,,~, It lIIfiIIIr""" ,,). _ -~ , >IiIIlJ:llilouia"" ~"" .,i'::",-"~~;-~',:,, j; ~~ ~~ ~ tir'ir~"" ",,~ ',,,," ~" ,,,?,, ,~,'" ,=" ~ ";''-IL'";~''' - - ilii' ~" cc_ c- o, is'-_,,,- , o S; "L'lf:; ~~"TJ -:;-.....,- (75;;, -< ~(- ~:(:::-j J":"cc~; ~"j -, co,, c ~ ",1 o (...:J o C'~ -l C) ., T' '" N "Ii---Y: :.,.., ':~~~ :.~i f~~ .-J =eel ~ .'0 :::> ~