HomeMy WebLinkAbout01-1247 FX
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK FKA HARRIS SAVINGS BANK
Plaintiff No. 01 - J :<</7
G()~L~~
vs.
COMPLAINT IN REPLEVIN
DELIA MAY KEY
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James McNally, Esquire
PA 1.0. #78341
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02137920
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK FKA HARRIS SAVINGS BANK
Plaintiff
vs.
Civil Action No. 0/- /,2 '17 ~ /~
DELIA MAY KEY
Defendant
COMPLAINT IN REPLEVIN AND NOTICE TO DEFEND
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 an 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. OF 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
LAWYER REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
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COUNT I - REPLEVIN
1. Plaintiff is a corporation having offices at P.O. Box 1711, Harrisburg, PA 17105.
2. Defendant is an adult individual residing at 370 Maple Lane, Carlisle, Cumberland County,
Pennsylvania 17013.
3. Plaintiff is the holder of a Retail Installment Contract (hereinafter the "Contract") and
Security Agreement secured by a mobile home duly executed and delivered by Defendant in favor of
Leibys Mobile Home Sales on or about November 1, 1995. A true and correct copy of the Contract and
Security Agreement is attached hereto, marked as Exhibit "1" and made a part hereof.
4. Pursuant to said Contract and Security Agreement, Defendant took possession of the
mobile home more particularly identified in the Contract as a 1996 Skyline Mobile Home, Serial Number
2G1107151AB.
5. Leibys Mobile Home Sales subsequently assigned its right, title and interest in said
Installment Sale Contract and Security Agreement to Plaintiff.
6. Under the terms of the Contract, Defendant was to make 240 (two hundred forty)
consecutive monthly payments of $419.32 beginning December 1, 1995.
7. The total amount due to Plaintiff pursuant to the Contract was $44,985.00.
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8. Plaintiff maintains a first lien on the aforesaid mobile home by virtue of the Certificate of
Title issued by the Commonwealth of Pennsylvania Department of Transportation, a true and correct
copy of the Certificate of Title is attached hereto, marked as Exhibit "2" and made a part hereof.
9. Defendant is in default of the terms and conditions of the Contract because Defendant has
failed to make the required monthly payments since August 8,2000.
10. Plaintiff is entitled to immediate possession of said mobile home which Plaintiff holds a
security interest in and any proceeds of the mobile home, including insurance proceeds by virtue of
Defendant's default.
11. Defendant has made partial payment under the Contract leaving an unpaid balance in the
amount of $41 ,987.80 as of January 6, 2001.
12.
Plaintiff avers that the Contract provides for finance charges at the rate of $10.50 per diem
13.
$115.50.
Plaintiff avers that finance charges from January 6,2001 to January 17, 2001 amount to
14. Plaintiff has performed all conditions precedent as holder of all right, title and interest in
the collateral, but Defendant wrongfully remains in possession of the mobile home at the above-stated
address.
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15. By virtue of Defendants' default, Plaintiff has an immediate right to possession of the
mobile home covered by the Security Agreement the value of which is $33,704.00, plus continuing
finance charges at the aforesaid rate of $10.50 per diem.
16. Under the terms of the Contract, Defendant have undertaken to pay to Plaintiff its
reasonable attorneys' fees and costs of retaking possession of the collateral.
WHEREFORE, Plaintiff prays for Judgment against Defendant, individually, in Count I of this
Complaint In Replevin, as follows:
A. For possession of the mobile home, more particularly identified as a 1996 Skyline
Mobile Home. Serial Number 2G11 07151AB or, in the alternative for damages of $33l04.00 the value of
the mobile home plus continuing finance charges at the aforesaid rate of $10.50 per diem, in the event
that recovery of the mobile home cannot be obtained;
B. Reasonable attorneys' fees and expenses for retaking possession, and;
C. For such other relief that the Court deems just and proper.
COUNT II
ACTION IN CONTRACT FOR IN PERSONAM DAMAGES
17. Plaintiff incorporates herein by reference thereto each of the preceding paragraphs of this
Complaint in their entirety as if the same were more fully set forth herein.
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18. In the alternative to Count I, Plaintiff pleads an action in contract as a result of Defendants'
default for the accelerated balance due under the Contract in the arnount of $42,103.30, plus appropriate
additional finance charges at the rate of $10.50 per diem on the balance due from January 17, 2001 and
costs.
19. Under the terms of the Contract, Plaintiff is entitled to recover reasonable attorneys' fees
and costs of retaking possession of the collateral.
20. Plaintiff avers that such attorneys' fees amount to $200.00 to date.
21. Conternporaneously hereunder, Defendant has been advised of his/her right to dispute
the validity of this debt, or any part thereof, pursuant to the Fair Debt Collection Practices Act 30 Day
Notice, attached hereto, marked Exhibit "3" and made a part hereof.
WHEREFORE, Plaintiff prays for the entry of Judgment on Count II against Defendant,
individually, in the amount of $42,303.30 plus continuing finance charges at the aforesaid rate of $10.50
per diem from January 17, 2001, reasonable attorneys fees and expenses for retaking possession and
costs.
WELTMAN, WEINBERG AND REIS, CO. L.P.A.
& REIS CO., L.P.A.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE
USED FOR THAT PURPOSE.
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JAN-OB-2001 MON 03:02 PM
FAX NO.
p, 04
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RETAIL II\lSTALI.MENT CONTRACT
ANti SfCURITY AGREEMENT
~'ill.!'L_.!.f1~YS..Mill!ll..t.HOME SALES
~~Y~~_KEY. nfllA MAY
370 MAPLHil.~..... ..,_..
Address ._Q8nL!SL~d~! 17013
No.
D~l~ _~=: 11-';' i;:~.S"-
Addl8SS7016 C.l!.~~~L.~ rl~E.
..C;:ARII~!ftl..~A 17013 .___.~...._......_.._.
'IWO" ond loUS" mean the Seller above, nYoul1 and Ilyour'l mea.n eacl"l Buyer obove
_.. _.. "'~ ~ "~__'M___ I~~. successors anct Dssigns. and guarantor. jointly ilnd individui:I~.t:,,,.. ".,
SALE;: YOll <lgll:!~ lO purchase from us, subject to ll1a torms and <londitions of this ContrDCt and Security Agreement, the Vehicle in its
present conditIon dascribod below.
l-Y~'~~ ., ~ . :~.. =- MQ~ ____. "'\ '" ~ ~_....__. Model "...,,-- M2.~~!~~eturer'5 Se;i~'~~~"'ber;--= ._..~i~:r:~:. ~o./Y~
..Qy_"_ .Q1t!~!!'jI;...., ", '" ,.... .... "'_." I]ROOICSTONE .~!ii!lJ!HJ6!~!i ___,_ ... " ,. ____~
OTHER DESCRIPTiON: Size: .ID5ii" ........- ......... -.--.......---
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a (jAY!
I1..eN
SECURITY: Yell give us a security intorost in the Vehicle described ebovo. Tho Vehicle shall be complete with all accossions,
attachments. aCC(;H;sorios, cqllipment, and proceeds of the Vehicle. The delivery and Bcceptanco of tIle Vehicle is aCknowledoed by
you. our scr.llfllY i11tercst will not extend to consumer goorls IIl.t are not Installed in or affixed to tl1e Velliele more ih.n 10 day. .ttcr
WA cntl:r InLo lhis Contr;;lct with you.
PROMISE TO PAY AND PAYMENT TERMS: You rromise to pay us the principal amount of $...H~.8.!j., 00 , plus flnaneo
cl1arges acerlilnc altho rate of ... ~...l!!L % per year untilmatllrl,y, YOll Boree to pay this Comracl accordlrly to lhe
payment schedule and 1010 charge provisions shown in tl10 TRUTH IN LENDING DISCLOSURES, and pay any addltlon"1 amoll'1t.
according tn 1110 t~"l1S and conditions of thl. Contr.,ol, AHer m.turity, or alter we haye demanded payment of carncd bOlt 1ll1pai,j
arnounts, wo will, h1sl,ond, et1rn interest at 9.50 percent per year.
DOWN PAYMENT: You also agree to pay 011 or boforG loday'. date the down PQYll10l1t of any c..h, rebate ~nd net trade.in volu"
Ch~SCfih~)lt 011 P~(ll:! 2.
[J MINIMUM FINANCE CHARGE: We mey retain. minimum finanoe oharye of $ if y')\1 pay 0/' (his Contract
b~foro INClI\i1v~ ~Hlrnerj ttli:lt much interest.
ANNUAL
PERC[NTAGE RATE
Tllo (;051 or ym.1r Credit
as a ycally ratG.
TRUTH IN '-ENDING DISCLOSURES
FINANCE CHARGE
The clollar QmOun( (he
crcuit will eOl't yall.
AMOUNT
FINANCED
The alnOUnt of crodj~
provided to 'IOU or
on YOI" behalf.
H985.,,9.2..
TOTAL OF PAYMENTS
TllO amollnt YOll wlli have
paid wilen you have made
all schedulod PQynlanls.
9.50 % $ 55651. 80 $
P-!!Y!!~~!1t.~c!'ed~!~: YOllr payment sohedul~..\'!!1I ~~ _
,NUI~~or of Payments Amollnt Of_~~~n:.~~~s~
?40 . $ 419,32 .
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$
"S-eciirity: You arc 9iving Q soc~lrrtyi~:;tcrest in the Vehicle bah"lg pIArchase;'C""'"
$ 100636.80
TOTA~. SALE PRICE
Tl"le total cost of YOllf
purcn~so Or1 crodit.
im:ludlClD YClur down
PQymel1\ of $.....~Q.~
_. .~ ~Q&636.80
~ Wh.n.P~vn;'el1ts.Are OliO .-- ....
.~i~~~I~rnQnlh beol""I.. n-e.~, 1-,1~_~-
, AI~~..,L.. thutoilfter l!m]lp'!I~~...._.",____
IX) Lale Charge: You wili be charged 2% por montl1 on i1le amollnt of the payment In Qrr..r. by 1110re than 10 day..
AS,sLlI'l'lption; Snmconc b\lying your home COnl"lOt aSSlJrne theobligatJon on the original tcnn$.
Propayment: II you PQY aU this Conlraet early, YOll [J may 00 WlllllOI 11.". to pay a penalty. Filing Fe.. $ _~Q...~Q_. .
Contract Provisions: You C:."ln $~Ii! Y()~1r Contract dOCLlments tor any QCldflioni:l1 information about nonptlyrncl1t. def(l\.IIt, any reqUIred
repayment bororo lhe scheduled date, and prcpavrn~nl rehlnds and penalties.
If 1'011 110 rIot meot YOlll Contract obligations. you may lo.e your houoo, the propeny that you bOLlght with this loon, or hOllsehold goods
and furniture. your HU)tor vehicle. or money in your account with tis.
CREDIT INSURANCE: Cr.dlll;fe Insurance end oradit disallilily PROI'~RTY INSURANCE: YOII ,Ire required by us to insure the
insllrance .r. nor requircd to obtQl11 cro~lit. Cmdit life in.llranae Vellicla oecurlng Ihi. Contract. You .holl have Iho option of
~nd credit disability Ir,ol.1rol1oo wlli not be provided lInl..o you 'Ign furni.hing lIIe rellulred insurance oither through cKislillC policies of
Dl1rJ iJflrco to pay the i:ldditJon~1 cost. insurance owned or conlroHed by yau or procuring Dnd furfl,is(lillQ
---. ......"'.. ,.. ... --- ... --...... ......- tlt. equlv.lent ins\lranc. coverage ,hrough any Ins"r.nce oompany
authorized to transact busin~SiSi In Pennsylvania. Insurance
coverIng risks of: 11 loss or IiQhility relaled '0 the Vehlclo, 2) the
use af tho Vehicle. 3) goods Dr services related to the V\i!hicle, 4)
rnechtu'lical breakdowns. or iiI service contract Dr warralllY is
ol')tiona1 and not included unless checked .uuJ indicilred below"
CREDIT LIFE:
CREDIT
DISABILITY:
_ Fcr FiM SlIyer
_.__..w,........ ... For Second Buyer
..__ For Botl1 Buyers
Premium: $ ...... ..._._
UABILlTY INSURANCE: Liability insurance coveroge for hOllify
injury and property cJamage caused to othel'S is not includod in
this Contract unleSS checked and indicated below.
If you get Ule insl"ance from or 'hro1l911 us, YOII will pay
$ 430.00 for ...-J,2 ..",o~th!:! of covorage.
The Vel\icle insurance premium is calculfJtcd El$ follow~:
o Flre.lheft and COl11binod Ad<'l'I, Coverage $
o $ DcdLH:::lil*~ Con'prehensive COy. $__
o ~ Deductible Colli~ion Clwel.CIge s,.~ ...........__
o $...,......._
[J __._......_. $
[] A chtlrae for an Extended Service ConHact IG ~thJ(~t'I to this
Contract. The extended Servico ConttClct sold or provided by us
is:
CovorDgc: __'n~.,."' ."".,"~,,,..._"._...__ for ierrn:
For First auy~r
__....... . _.... For Second BLlver
__._.... '" ..___~ For 80th B~IYCt$
PremiLlm: $
'ins'ur'~"li'~~ .C'oln1Ui"ny Nama tlnd Horne Office Address~:'.''''
iW~nl.lho c"'-."dii j,'"L1ranc. Specified Abovo,
.... .M'.... ........ ~______
.f.i!.~t ~\I.Y'L_...._ _. ..__
Second Sllyer
MODERN Cfll:DIT PROTECTION POLICY:
Premium $ tor
01 COVOfo.gC.
MOTOR VEHICLE 'p..." I ,/3)
III 1M2, 191)1\. t1..1I\ll!l~ .!iV~(llInH.Il\C ."'t. t;1l\ull, MN j1 At'lO,39') J:;l~'1 FOIl11 RS5IMVlAZ.FA B'21D~
ORIGINAL
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[nHIBIT
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JAN-08-2001 MON 03:01 PM
FAX NO.
P. 03
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EXHIBIT (:]
REMEDIES: If you are in del."ll on this Contrac" we I,ovo 1,11 01
Iha remedies providod by low and this Con"oct.
A. We may requIre you to immediately pay us the remaining
unpaid bala"ca of tl,e .mount fln.nced. linance charges.
loss ol,y rerllnd required by I,w. .",; all other agrood
charges.
B. We may pay t3xes, l1ss0SSmenlsj or other liens or make
repairs to Ihe Vehicle if you havo ML dOlle so. We are not
reqLlired to do so. Any alTlount we pay will bo ~c1dQd to llla
amount you owe liS, will be irnmcdiataly due, and will earn
il"tof'cat ffom 1he date paid at 1hc highest lawful contract
tate permittod by low lmlil paid in h,ll.
C. We may immcdiotoly take possession of tho V~~hi(,;I~ by leOi:ll
process Or self-help, but in doing so we may not bre3ch tho
peace or llnlaw1ully enter ontQ YOtlr ~remise.a. We. may then
sell the Vehicle i!u"Id O'.I.pply wbat we receive as ptovlth:d by
law to our reasol1t.1blc expenses and then taw;}r" yow
~ecured obligations.
D. We may be entitled to Q Qcfioiency judgment il9ainst you if
tho procGeds of Ihe sale do no, pay all 01 Ihe expen.es and
what you owe LIS {excep' wilen prohibited by I.wl.
$; ...,., .......--JL.Q~ lay choosing any 0.,0 or more of these remedios, wo do not
$: 10.DO O.OOwaive our rloht to l3.tcr '1$0 another remedy. BV d~,~jdir1g not to
__..". __~_ $~nJt 25.001lse any remedy, we do not ~Ive up our rlgln to con:;ider the event
_h_._ . delault if i, happens again.
.-.... ..~~.._.- $----..~..~-- You agree that if any notice~:.i required to be glver\ to YOq o{
OthGr Ch.<lfges r- I the intended sale or dispositioli of the Vehicle, this notice will be
(jr'ltludlng Amollnts Paid to Olhers on Your Behalf) 1$ <illS. co consldored reCl::ionable if sent by moil to your 1{I~t known addr~S's,
.': as re11oclOu in Our records, at loast 10 duYs before the date of the
fLess) Prcl)aid Fimmcc Charges ill...,.. ....~~:..2.L- in1$nded cUspositlon (or I!ilu~h ollHir period of time as is fcqlJircd by
Amollnt Financed I law).
(Unpaid Bolanoo of CosII P,loa phIS Other CI,orgos) $ 44985.00
REINSTATeMENT: 11,1'0 Vehiel. II.s been repossessod or ta.ell
YOll '~~9Hi-O to the terlY1S on pages 1, 2, (I"d 3 of this COlltrilct. througl11c!iJBI Dction. we may reinstate Th~ ContrAct and return the
Vehicle to you. The Contract willl:le rcinstiilocI if yOll P3Y all past
dw~ in$leillments, accrued dcfpult, plus any other amount lawf1llly
due under the ContrQct. In addition, you agree to p<JY for tha cutts
of sllit if we retake the Vehiclo thralloh leool action. If def.,,1t h..
e~isted lor more than 15 ,lays at tl\e time of repossession. lI,e
exponses for retaking, repatril'\9, arl(j stofi,)g the Vehicle rJS
autl,orIXOrll)y law ml,st also be paid Ily yotl.
JAN-OB-2001 MON 03:03 PM
( ITEMIZATION OF AMOUNT Fif'4ANCEO
Vol",icl.
. (illc.ludinO acccssorios, dt::livery, servicesj
and S(,I"5 I~x of ~__ 0.00 u..1
I!xlcndl,l(l ~fervice Contract
. 525eo.eo
$
1$
0.00
eooh Prico
Cash Down Payment $ 8000.00
MilIllJffJc!llrer'~ Rebate $ 0.00
Description of Trade-in _____fi .___
52500.00
,. rado .in
less; Amollnt Owing
Ipoi,1 by Soller\
Net Trade.in
. 0.00
. ...__J.~
$ ___~" q9._
1$ 8000,00 I
1$ usoe.ee I
._.._l!....Q.!L_
$.1-30.(10 0.00
$_Q,..9!!__
Down payma1lt
Unpo"l B.'once of Cosh Prica
(Cosh Price less Down Pc)ymer)t)
Paid '0 rubllc O[fi,'i.I$- S,1I0$ Tax I Tire Tax
P.Jr<J 10 rfopatLy Insunmce Compar'lY / MCP?
Paid 10 Credit life In.llrollca Company
Paid to Croclil' DisniJiltly In:iLlrancc CompiJny
fllino Feo I UCC
Tc:_~el~~V ~.~f!.m.l noml RlIDon
Tll:
ADDITIONAl.. "ERMS OF THE CONTRACT
AND SECURITY AGREEMENT
GENERAL TERMS: As lIsad in this dOCU1110nt, Contract inciude.
the :~crms of UlI! Contract and Socurity Agrt:!ement. You have
been:ulven an opportunity to purchase thl! Vehicla ..nd/of services
dascribad on paoe , far lho t;u~n price Dr the totnl slill~ price. The
lCltal '.al~ p,ico i.s the total price of 1hc: Vellicle and/or servicas if
YOLl bllY it "vo, tl",e. "ho total solo ",ice .hown in ,ho TRUTH IN
I.ENDINCl DISCLOsURES Is b~sed on tho assumption 'Ihat illl
pay~ents will be mado ,~~ scheduled. You L1QrcG tc, buy this
p.ro\'le!rtV .:1l"1d/or $(!.(V1C0S from us at till} Q<:tUfll total sa.le price.
accQtdiog to lllO terms of this Corl'tra~t.
VOll .0'00 this Contract will be governscl ~y the law 01 'ho
Stot'e: of Pcnnsylvunia. You agrce: tllnt WQ Ilave not made alW orill
wl.Hrar\ties or promises rcgmding the propeny, ThIs Conlract
l>1ko$ eflect when signed by YO'.i. If any part of tl1is Conlract
cannot be enrorc~d. thl$ ftlCt will 1'10t affect tho re:moinino terms.
WARRANTY: Vehicle warranty information is slIpplied to YOll
scpFlrnlely.
PREPAYMENT; Vou may prepay this Contrac, in part or In full at
any timo. Any partiol poymen' will I'Ot eXCllse any later scheduled
poymonls IInlil YOl' pay in full.
OWNERslllp AND DUTIES TOWARD PROPERTY: By giving
liS .sr,clIrity inlore., In tho Vchl~lc. YOI' rep~esent and agree to
Ih. following.
fl. You will defend tl1ls properly aoainst any ctaim made ~y
anyone else. You will do whutever is necessary to kl.~ep our
claim to 1:h~ Vt)hiele ahGad at the claim of nnyone else.
a. The sccurity intcruBt YOLl are olvlng us in t!lis V€ltlicle comes
aheatl of the claim of "w othor of YOllr ge"eral or sccul'ad
creditors. You havc signed or immediately will sign any
.ddillonol documents or provido us with any additional
information We may require 10 keep o"r cl.im to tl,o Vehicle
allOad 01 tho ciolm 01 "nyono el.e. Va" will not do anything
to chanoa our intoreSit itlthe Vehicle.
C. You will ~ool' ilIa Vahlcle In yo"r poss'lssion In good
ccndltl()n tll'ld rttpalr. You will use tl"\o Vellil';le only for the
law/,,1 purposes lor which It was Intended. Unles. o'horwise
tlOfeed ili writing. the Vohicle willlJe located 3t your ar,ldress
listed on po~JO 1.
D. You will not Ollarllr,l 10 .ell the Vehicle lunless It Is
inventory anrlltleulili.d ss 6uch) or otl,orwlse 11'IIl.fe~ .ny
rights in t1lis property to anyom elsa, withollt ollr prior
wlilten consent_
E. VOll will p.y ell t3~". "nd .ssessments 011 '110 Vel,l.i. ..
they becomo l.h.n~:.
F. Va" wiilncl\ify .,. or any 100$ or domog" to lhe Vehicle. You
will provide us reosonnble acce.s to tho Vehiclo for Ihe
Jlurpose of iosPOCliol). Ollr entry and inspection mllst be
accompliShed in a lowful mannor and will,oul breaching Ihe
peace.
G. Villi will "ndorae 'he cortlfic.to of tille to this Vehicle. if
mw. to show the. socul'hy irll$fest we have in this VGhicle.
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B. We, in good faith, bcliavG that the prospect of P3YI)"IC1'It or
the prospect of your performance of any other of YOt1r
obligations 111ldt;lr U,is Contract is impDircd.
If you default, you agree to pay COUll costs we il\c~!r to collect
li,is Contract as well os attorneys' lee. if we refer this Contracl
for collec,lon to on attorney.
If an event of dl,)talllt OCCllrs as to anyone of Y()ll, we may
exercise our romedies El(Jainst any or all 01 Vall.
NOTICE OF PROPOSED INSURANCE, You 10kG nolice Ih.t
group credit life insurance coverB911 .1(l.(lfor grol.l[> credit accld~flt
81'\d hoolth insllram:e cDverage will be ;\pplicable to this Contract if
SQ maf"ed On p~ne 1. Grollp credit li~e lnl:)\.Irance COVCl'DgO am.I/,,"'''
group credit accidcl)t 81)d he~lth insurance coverage will be
wrlUon by the insur3nee cornpeuw named. Thi5 insurancc, subject
to acceptance by the jnsf,Jrer, covers only the person signing lhe
request for SLlcl) Insurance (or each person siQr\!r)(J the request far
join.t credit lifo inS~H<<nce). '"he amOLJnt of CIH)fgO i~ indicated for
eaci, Iype of c,edlt Inourance to bo 1'1Ircha.ed. "rha tarll1 of
insuranco will commence as af tho elate the Indebtedness js
Incurred and will expire on the orlQlnafly schcctulecJ maturily date
of the indebtedness. Subject to i:lCCcptRflce by the Insurer 2l.ncl
wilhln 30 days, thera will ~e delivored to "s e certificate of
Insuranco more [ully describing the insurance. In the event of
pia payment of tho indGbterlness. a rofund of ins"renee charges
will be made when dl'..
INSURANCE: YOll agree to b"y ins\lrailce on lh" Vahlcie "gol,lS!
Ih. risks and for tl,e amounts we require. You will name us as
loss ptlyee 01'1 any such policy. We may req\.lire added SQC~Jrity on
this Contract if YOll agree that Insurance proceads may be used to
repair or rcplilce the VehIcle. You ~Sl'ac th~lt If the insursn.ca
proc~ed$ do not cover the amounts you still owe us, you will (lilY
tl)o difference. YOLl will buy the insur!lnce from a firm authcri:tod
to do business in Pannsytvania. You will keep 111e insLlrance until
this Comract is pail1 in 1,,11.
II you fail to obtain or maintain till. ins "ranee. wo may o1>tai"
inSllrance to protllct Ol~r interest in the Vehicle. If you foil to rlame
us ~$ loss payee, we may obtain InSLlI'QI'\C~ to protect OllT interest
in tllO VQhlcle. We will notify you Jf wa do &0, The cosl of ~5l1cb
insllrance will be added to the amount you owe us. Tho cOs1 will
lie immedi",tcly due. The cost will (iccrue interest ilt thlJ high~sl
lawflll contract rato. llnli! paid In full.
WAIVER: Vall give LIp your rights (to Ihe extent permittod by
law) to require U$ to do certain things. You wIll not require us to~
r1 \ demand payment 01 amOlllllS dll.; 121 givo 1101ice IhO!
QO\Otjl'li5 due have not been fJnid; {3l give noth::.(!: that we are
making the Contract immediately duo.
OBLIGATIONS INDEPENDENT: Each person who signs this
Contfaet agrees to pay tl1ls COtllfaot accordIng to its tcrm$. Tl)is
means the followIng.
A. You /'!'lust pay tl)is Conlract even If someone alse hilS sigr\ed
it.
B. WO rony release any co~signer or gllilral'ltar and you will still
be Obligated to pay thc Conlrac,.
C. We may releoso .ny sec"rily and you will s,;1I be obligated
to pay the Contract,
DEFAULT: You will he In defa"lt on this Contr~ct H anyone or D, If we give lip any of OUt rlgl11s, it will not .ffect your dutv to
more of tho hl!lowiTlg occurs (except as prohibited by law). pay this Contract.
A, You filii h) porform any obligo.tion wl'lich YOI.! have E. If WI!!: extend new cradlt O( r13n~w this Contract, it will not
wlchHhlken in this Contract. affect your duty to f1aYAhis Contract. /PfIfl" 2 (If .~J
~, 1~1I:l.. 1{J!lA DI1IIr.l1r'l Sy~tQIl\&, 111<:,. 51, CIUlla. MN (\ .000 :J:97 ~~41) I"Qlm RS5IMV~AZ.r^ 11(2/84 t.:::J 1s.J...___. ___
ORiGINAL
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1.....:"........~..oIli:o'_N.. _._...~_ ~, .,_....",.,.,.,.."...... .. .".....___"..~...,~.............;_~_
FTC NOTICES
ANY I-\OLDER OF nus CONSUMER CREDIT
'CONTRACT IS SUBJECT TO ALL CLAIMS AND
DEFENSES WHICH THE DEBTOR COULD ASSERT
AGAINST THE SELLER OF GOODS OR SERVICES
OBTAINED PURSUANT HERETO OR WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY
THE DEBTOR SHALL NOT EXCEED AMOUNTS
PAID BY THE DEBTOR HEREUNDER.
IF YOU ARE BUYING A USED VEHICLE, THE
INFORMATION YOU SEE ON THE WINDOW FORM
FOR THIS VEHICLE IS PART OF THIS CONTRACT.
INfORMAtiON ON THE WINDOW FORM
OVERRIDES ANY CONTRARY PROVISIONS IN THE
CONTRACT OF SALE.
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P. 06
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THIRD PARTY AGREEMENt
By signillS] below you ilgrcc to Qivc us Do security interest in
the Vehicle de.cribe,j on pa~o 1. You also Q~roo to bo pound
by the terms of this Contract, including the WAIVER seclion on
page 2, EXCEPT that YOll will not be liol>le for the paymenls it
requires. You agree that we may r~mew, extend, or chanDe this
Contract. You also agree that we rnay release any party or
Vehicle without rolooslng YOll frol'l1 this Comroet. Wo may toko
these steps wHI'o~Jt notice or delTlf.lI1d upon YOLl.
Vou acknowledge receipt of a completed copy of this COlltlact
and Security Agreement.
x
,....~........._Date _'"~'~'"_"'."".'_"
Namll
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 PROTECT YOUR LEGAL RIGHTS.
BUYC~19L P?l. ~
Slonat,,,., ~
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Date
Sig".tur.:
DrltQ
Buyer:
.---
Date
Signature:
SignalUr"'-....--........"-..--.-...-- --_.._..~_.- - Date
BUYER ACKNOWLEDGES RECEIPT OF A COPY OF THIS RETAIL INSTALLMENT CONTRACT
BLlyer: ,f\
-o-_AYo&.P.;...~:!0. )..'{~1-9,C'__
Slgno.lura: ""'~' t:>lfte
SigniltLlro:
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ASSIGNMENT: 1'hi. Contract end Security Agreement is
a..lalled 10.HMRIUAVINGSJ!ANK ._..._
(nnmo and adc1ress), lhe AssIgnee,
under tho lerms of 1110 ASSIGNMENT BY SELLEH below.
___N___N._..._,_ '_'NO"~""''''.'n_._
Buyer:
Signature:
Date
SlgriatiHe:
Dele
Seller: LEIBVtM
By: ~
BI) HOME SALES
. J.-lll./M.UI
L_~kLJhr
ASSIGNMENT BY SELLER
//- h=:_<l97!r. to_
W.f!.B!.a~fIJ~U~ti!Sj.ggsr~~E !iTnIiE,T.. t~~~ft!~~lJRG. fA 171051711 ,,......"'....-....M. the Assign~c, its SUCCC$snrs
and assions, .11 It. rlohts, t1tlo and Imere.t In this Contract and Security Agrooment, and any glleret\lee executed in connection with
thl~ COrll/act and SeClIrilY Agreement.
TillS ASSIGNIIIIENT IS MADa: 0 UNDER l'HE nRMS OF A sePARAH AQREEMENT.
00 PURSUAIIIT TO Tt1a FO~LOWING TERMS.
Seller sells and ...Ions this Rotalllnstellrl'lGi'It Conlract and Security Agreement on
Sell.r oives A..ionee full powor. either in its own name or in Seller's name, to take alllaooi or other actions which Soller cOIII<l Ilave
Hlkellllnder thi:; Contract. Seller WElrrDnts:
A. 1 hia COI'\troct roprosoJit$ n sule by Seller to SLlyer on a time pri'l:lJ basis i1nd not on a cash basis;
n. Th" :statements contained in this CI)nt,act are IrLle and correct;
C. Tho down paymenL wa. made by the SlIyer in the manller staled on page 1 anel no part of tho down paymelll was loaned or
paid to 11\0 Ollyer by Seller or Seller's representatiyes;
D. This s~l(J; was completed in aoc(J(d~('lce: wilh all applicable iederDI and stQta laws and reOlllatlons;
E. This Contraetla valid and enlorceable in accordance with Its torm.:
f. Tho mlrJHJ5 and slanatures on this CO(lUact Me not forged, fictitious or assLJmed, amI are trlle and correct;
G. 'fhl. Controot is not all!l]eC! LO any claims or dcfan.0s on the palt of the Buyer;
H. A complGtoly filled. In copy ot Ihis Cnntract was dalivarf'ld to the Bllyer at Lh~ time of execl.ltion; and
I. 1'ho Vollielo 110. "'lOll ".llvered II' the Buyer In good eondi~ion ..nd has been eccepted by Buyar.
H tlny of these warral1tles is brcachCld or untrue. Seller Will, upon Assigl,oe's dernat'ld. purchase this Contract from Assignee. The
pUfchqsa ljih::.U lln In on!'ll in Lila arnOllnt of the llnpald balnnce finelllding interest) plus the cast l!u')d c:!'xperlses of A:5sionee, including
aLtornGYs' feos.
Sollor will iMl>Il1i1ify As.iO"ee for any 10.. sustained py It because of judicial set-eff or os 111s resll!! of a recovery made a~ainst
AssiOl'\oa ns ~ result of a claim or defen~e Buyer has agoinsl Seller.
SalIM w~livA5 notice of the accoptonco or this assi9nment, notice of non-payme,)\ or nonNperformanc13 and notice of Cir\y other
remedies DvrJilrJblo to Assi9ru:~e.
Assiunee may. witl\olLt nOtiCCi to SOUM, a,\d wilhout affecting tha \i~blHty of Seller under this assignment, compoul)tl or release I!Iny
right's QOi:lin5t, Dnd Qnmt m~lonslons of tIme for p3.vmont to bo made, to Buyer and any att)or person oblioated under thle Contr.!:mt.
UNLESS INDICATED BY CHECKING THE BOX BELOW, THIS ASSIGNMENT is WITHOUT RECOURSE.
n WITH RECOURSE: Seller .grees that ilthe l"lllyer defaults on ~'1V obligation of payment or perlo/moneo lInder tills Contraot snd
Security Aoreemcmt, Soller will. hpor' demnnd, repurchase this Contrac:t ar~d Security Agrocrnem f()f the amollnt ot the unpaid t:w!illnce,
ineludino finance chllrgcs, dlle at thtit time. .
S.II." LElt.S C(l~II" IIOME SALES R (() _. Q . ~ ~
ay;__.___...,,_...,~,)..i (J A-t.U' .~t<J.~t~--....... Tille;__fJ~JfJt.
~l '061. 10!H DUII\..CI9 SY~Mll\9.Il\c_. $1. (~I~'\ld, MN 11 ,SOC.':HI7-2311J rur/ll nSfllMVlAZ FA B/'JJ!)4
OAIClINA,
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VERIFICA nON PAGE
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. g4904 relating to unsworn falsification to
authorities that he/she is (Name)L~s.O-- 'ffio,rsY1 ,(Title)A~fk(J\\ ~~ ~{.~~
~Ol ~ ~OJ\\~Plaintiffhereih, and that he/she is duly authorized to make this Verification, and that
the facts set forth in the foregoing Complaint are true and correct to the best of hislher knowledge, infonnation and
belief.
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SHERIFF'S RETURN - NOT SERVED
CASE NO: 2001-01247 P
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
WAYPOINT
VS
KEY DELIA MAY
R. Thomas Kline
, Sheriff
who being duly sworn
according to law, says, that he made a diligent search and inquiry for
the within named DEFENDANT
, to wit:
KEY DELIA MAY
but was
unable to locate Her in his bailiwick. He therefore returns the
COMPLAINT - REPLEVIN
NOTICE
NOT SERVED , as to
the within named DEFENDANT
, KEY DELIA MAY
RETURN NOT SERVED AS PER SHELLY CICCHINI
ON 3/6/01
Sheriff's Costs:
Docketing
NOT SERVED RETURN
Affidavit
Surcharge
18.00
5.00
.00
10.00
.00
33.00
/~
. THOMAS LI
SHERIFF OF CUMBERLAND COUNTY
WELTMAN, WEINBERG & REIS
03/06/2001
Sworn and subscribed to before me
this 'l~
day of ~
J>>.ol A.D.
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Proth :i;tary f
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK FKA HARRIS SAVINGS BANK
Plaintiff
No. 01- /J.L/'1 C,'ul{ 7-~
COMPLAINT IN REPLEVIN
vs.
DELIA MAY KEY
~'
1
Defendant
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James McNally, Esquire
PA I.D. #78341
WELTMAN, WEINBERG & REIS CO., L.P.A.
2718 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434.7955
WWR#02137920
11IIE COP'( FROM ..'
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IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK FKA HARRIS SAVINGS BANK
Plaintiff
vs<
Civil Action No.
DELIA MAY KEY
Defendant
COMPLAINT IN REPLEVIN AND NOTICE TO DEFEND
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 an 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. OF 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
LAWYER REFERRAL SERVICE
Cumberland County Bar Association
2 Liberty Avenue
Carlisle, PA 17013
(717) 249-3166
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COUNT I - REPLEVIN
1. Plaintiff is a corporation having offices at P.O. Box 1711, Harrisburg, PA 17105.
2. Defendant is an adult individual residing at 370 Maple Lane, Carlisle, Cumberland County,
Pennsylvania 17013.
3. Plaintiff is the holder of a Retail Installment Contract (hereinafter the "Contract") and
Security Agreement secured by a mobile home duly executed and delivered by Defendant in favor of
Leibys Mobile Home Sales on or about November 1, 1995. A true and correct copy of the Contract and
Security Agreement is attached hereto, marked as Exhibit "1" and made a part hereof.
4. Pursuant to said Contract and Security Agreement, Defendant took possession of the
mobile home more particularly identified in the Contract as a 1996 Skyline Mobile Home, Serial Number
2G1107151AB.
5. Leibys Mobile Home Sales subsequently assigned its right, title and interest in said
Installment Sale Contract and Security Agreement to Plaintiff.
6. Under the terms of the Contract, Defendant was to make 240 (two hundred forty)
consecutive monthly payments of $419.32 beginning December 1, 1995.
7. The total amount due to Plaintiff pursuant to the Contract was $44,985.00.
--..w.-'iiiJii:
8. Plaintiff maintains a first lien on the aforesaid mobile home by virtue of the Certificate of
Title issued by the Commonwealth of Pennsylvania Department of Transportation, a true and correct '.
copy of the Certificate of Title is attached hereto. marked as Exhibit "2" and made a part hereof.
9. Defendant is in default of the terms and conditions of the Contract because Defendant has
failed to make the required monthly payments since August 8, 2000.
10. Plaintiff is entitled to immediate possession of said mobile home which Plaintiff holds a
security interest in and any proceeds of the mobile home. including insurance proceeds by virtue of
Defendant's default.
11. Defendant has made partial payment under the Contract leaving an unpaid balance in the
amount of $41,987.80 as of January 6,2001.
12. Plaintiff avers that the Contract provides for finance charges at the rate of $10.50 per diem
13. Plaintiff avers that finance charges from January 6, 2001 to January 17, 2001 amount to
$115.50.
.'
14. Plaintiff has performed all conditions precedent as holder of all right, title and interest in
the collateral, but Defendant wrongfully remains in possession of the mobile home at the above-stated
address.
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15. By virtue of Defendants' default, Plaintiff has an immediate right to possession of the
mobile home covered by the Security Agreement the value of which is $33,704.00, plus continuing
finance charges at the aforesaid rate of $10.50 per diem.
16. Under the terms of the Contract, Defendant have undertaken to pay to Plaintiff its
reasonable attorneys' fees and costs of retaking possession of the collateral.
WHEREFORE, Plaintiff prays for Judgment against Defendant, individually, in Count I of this
Complaint In Replevin, as follows:
A For possession of the mobile home, more particularly identified as a 1996 Skyline
Mobile Home, Serial Number 2G1107151AB or, in the alternative for damages of $33,704.00 the value of
the mobile home plus continuing finance charges at the aforesaid rate of $10.50 per diem, in the event
that recovery of the mobile home cannot be obtained;
B. Reasonable attorneys' fees and expenses for retaking possession, and;
C. For such other relief that the Court deems just and proper.
COUNT"
ACTION IN CONTRACT FOR IN PERSONAM DAMAGES
17. Plaintiff incorporates herein by reference thereto each of the preceding paragraphs of this
Complaint in their entirety as if the same were more fully set forth herein.
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18. In the alternative to Count I, Plaintiff pleads an action in contract as a result of Defendants'
default for the accelerated balance due under the Contract in the amount of $42,103.30, plus appropriate
additional finance charges at the rate of $1 0.50 per diem on the balance due from January 17, 2001 and
costs.
19. Under the terms of the Contract, Plaintiff is entitled to recover reasonable attorneys' fees
and costs of retaking possession of the collateral.
20. Plaintiff avers that such attorneys' fees amount to $200.00 to date.
21. Contemporaneously hereunder, Defendant has been advised of his/her right to dispute
the validity of this debt, or any part thereof, pursuant to the Fair Debt Collection Practices Act 30 Day
Notice, attached hereto, marked Exhibit "3" and made a part hereof.
WHEREFORE, Plaintiff prays for the entry of Judgment on Count II against Defendant,
individually, in the amount of $42,303.30 plus continuing finance charges at the aforesaid rate of $10.50
per diem from January 17, 2001, reasonable attorneys fees and expenses for retaking possession and
costs.
WELTMAN, WEINBERG AND REIS, CO. L.PA
& REIS CO., L.P.A.
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE
USED FOR THAT PURPOSE.
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FAX NO.
P. 04
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RETAlllr.iSTAlI.MENT CONTRACT ~~:!.,,-lrI~Y~ MO~IIE HOME SAlES
ANn SECURITY ^GREEMEMT
~';'Y.:~. KEy. nHlA MAy
370 M8& \A~l.... ..._
Addre" .j;anl!sl,.!.!Lt1ll~
No.~ '''~n''_q_'. ~.___;;--- C;ARll!\!~I..eA 17013
Ol\la ___~ I, ~ I :7,-~...J_ "We" tll)d "us" mean the Seller above, "You" and "your" mean &3cl, BL~Y~;';b~~~"-
.' .... ".. . ..~____ _It.::. succe350rS find ossigflS. and guarantor. jointly and individwJl1y.
SALE: YOll ;~g/l.;H~ (l' purchase from us, subject to tl10 torms and conditions of thj.s-c~,~i~~ct ond Security Agreement, the Vehicle i~~i~~
present condition descrfbQc:.I bOlow,
l>OV::;' '}~~I~~_~. ~~:. ==_~= l;';~;,;s~~N~~dei .....
OTHER DESCRIPTiON: SilO: 2iiX~G- ".-..
AtJUleSS70'/6 C.a.%~l,~ pl~1!
Mat)uf
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i~Clurer's Seri;!N~-;;b~rs _.~iE~t"!~~ ~~Near
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SECURITY: YOll Dive us e security Intorost In the Vehicle described abovo. Tho Vehicle shall be complete with 011 oceossions.
altachmonts, accOBBqrlos, o1:l'~pm.nt. and proceedB of Tho Vehicle. The delivery and acccptancc 01 the Vehicle is aCknowledoed by
you. OUf ~~(,.llflty ImcrGSt, WIll o'Pt extend to consumer gOOthl \\)at are not Installed in or a1fhcad to the Vehicle more lhan 10 d~V5 after
w(\ cnlt:r (nlo lhis Contract wit!' you.
PROMISE TO PAY AND PiA YMENT TERMS: YOll promise to pay UB the principal amount of ~...11~.l\.~, 00 , plus finnl'c"
cl\O(gos accrllh\g .llhe rsteiol ". ~,.~Q... 0/. per year unlil maturity. YOll aoree to pay this Contr3clOCentdln~ to Ihe
payme~t schodulo and lo,o!ch.rqe provisions shown In Tho TRUTH. IN LENDING DISCLOSURES, and pay ony additional amount.
ilccordll'\g to ~l'\' tMms and ;condltlons of this Ct:lnlh)I)1. Alter maturltYI or after we have demanded payment ot cf;lmcd bllt unpclici
BlnO\.IMG, we. will, 11)~\\)3d, ~~m 'interest at 9.50 percent per year.
DOWN PAYMENT: Y"u .1.0 agree to pay on or balor. loday's date the down paymant 01 o"y ca.h, rebate and not trndo./,) val,,"
d')3crih,,,' 011 1'"00 2.
o MINIMUM FINANCE C(:lAHGE: We may retain a mi"imum linanca charge cl $ if YQllllay off Ihls Contract
bofofQ wo. httV~ ~H.lH'ed th..'\t much interest.
TRUTH IN lENDING DISCLOSURES
ANNUAL FIN~NCE CHARGE A~OUNT TOTAL OF PAYMENTS TOTAl. SAl.E PRICE
PER(;[NT AGE. RATE 'The dollar ~lTio\Jl'\\ \hoa 1'1 ANCED The amO\1l1t YO\.1 will have 'The tota.l CQst or V""'~(
Tile (,osl or yO," Credit cri;:dit will CQS.t YO\I. The arno\mt' of cra4it paid wl'en you have made purcli~s.o on crodit.
as a vcady fMO, provided \0 10U or ail schedlllert paYlllenlS. inc:ludino your down.
on yaur be all. payment of $ .... 6000.00
9.50 % $ 5565l.. 80 $ Hn5.~Q2. $ 100B6. SO .~ ~Q.~~36. 50
..
~!!Y!1~!'!..~~!1e'!,!!~: YOIl' p"ynlent sohedule 11::\11 9!'... When.P"ynlents Are Due -..,.
..NllI~~~r of Payments An}Ol1l1l ol.!:'~'(~~~rs I
..,-.~, I.l~~..
- 1.40 > 119.32 IA7r ,!?.!.!'.~~!2 month beClim)loQ {]-e,(',
T..... ....... ~n.d ~~ch 'M (".1-( t.. tharllufter Im!1lp.2'~,__."..__ -
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$ ....--_..
"S-ecufity: You nrc ~livinfJ a :;ccllr~yi;ito;.est In the Vehicle being pl~rcllaSe(C'"''''
lXI LUlo Charge: Yo" will be charged 2% par month on lhe.amount el the paY",.I,t \" arr..rs uy more than 10 dayS.
AS$UI'1'\ption; Snmoonc \J\lying vour home connel: aSSllme \heOb'i&]tloncn the original terf'OS,
Propayment: If you pay olf this'COOLracr a.rly, YOll tJ may wlli nol h.". to pay. penaltY. Filing Foc. $ .Ag..~Q_
Contract Provision.: You con S.. yo,,, Centract doclImont. lor any a(ldllional information about "onpoymcnt, defalllt, any reQuircd
repoyme,,! hororo the ",.h~duled date. aod propoym.,,\ relllnds and penalties.
If 'illU do not meet your Con'~ra'ct obligations. YOLl may lose your house, tho property that you bought with this 10Do, or lu)usehold goodS
llnd furniture. YOllr Illot{Jr vehicle, or money in your account with liS.
CREDIT INSURANCE;: C,.dillife insurance and crerllt disDllililY
insHrclnce aru not requirod to obtbin crc'lil. Crct.lit life insurance
nnd credit disability Ir,suranee Will not be provided unless you sign
~lltJ iJgfCO to pay 1.h'~ additIonal cos'.t.
-"'-"'''''''''''''''... <.._--
CREDIT LIFE:
PROPERTY INSURANCE: Yell ilre required by us to insure thc
Vehicle securing this Contract. You shall h.ve tho optiOn of
furniShing Ihe rel]\lired insllrance oithDr through Dxisliu9 policies 01
insurance owned or cOl1lrolle-d by you or procuring lu'\d furnis.hing
the equi\l:l{~nt Ins\lranc~ covera9'a through any Insurancc eOn'pillW
authorized to transact bush'~s.s. in Punf\5ylvi\nia. Insurance
cov.ering risks of: t I less or nahility ralBled to the Vehicle. 2:ltl\e
usa of thQ Vehlcl~. 3~ goods. or services rolated to tho Vehicle, 41
\\\6chnnieal breakdowns. o.r a service contract or warralllV is
o~HiQmlt and not included unless checked imd indiC'iilted below.
CREDIT
DISABILl'TY:
_ For First Buysr
..___.,__" ... For Second Buyer
For Both Buyers
LIABILITY INSURANCE: Liability insuronce coverogo for hodily
injury alld property tJamage. caused to others is not Include,. ifl
this Connott unless thec~ed and indicated belew.
Premium: $
H you get the insl.\rance from or throu.gh us., YOII will (.lay
$ 430.00 for ..J2..1!'o!'!~h!! of covorogo.
Ttle Vehicie insurance premium is calculated ns follows;
o Fire-Theft and Comblnod Art..I'I. Coverage $
o $ Ocd\.lG\iL)\!3. COfnprehens.ive CO". ~
o $ Doduclibl. Colli.lon Coverage $.. ,,_-,...__
o $.......,..._
o $
[) A charge f~;'~~' Extended Service Ce"lr.ct i. adJor' (0 tilis
Contract. ,he €xtendod Service Co,,,,aet SOld or provided by us
Is;
Covoro.gc: ~.-...... ",.. .,.~._ .__ for Terrn:
iW.;n't' ih;-cr~dTt- hl~ufance Specified Abovo:
.fT~.~t"g~v~~.~_.~ '._ _. .,_
Second Buyer
MOOl;RN CF\l;OIT PROTECTION POLICY:
Premium $ for _ Of cove:fogO.
MOTOR VEHICLE (p.,g. I .131
tl \Dli2, 19t;l... tJ.m\..l!l! ~Y~ll1ml. 1111:. t,t. Clro\ltt. ~N I' !\f\(1'49') ~",I4)l FOlm f\$SIMVLAZ.PA &1'1/0>\
ORIGINAL
J.9X
D[liiH3IT
t~"
REMEDIES: If you arc in dcftll.lll an this Contract, wo ('\~\1~ fIll 01
lhe remedies providod by low end this Contract.
A. We may roquire you 10 immediiltcly pay us tlll~ remaining
unpaid balar'lce of the al'nount fif\onced. finance charQcs,
lass .uw rer~md required by (LiW, CJnd aU other 3(lrocd
char9~s.
8. We may pay t3xes, ilSSCSSI1'1l:!111S1 or other Hens O( make
repairs to the Vehicle if YOQ I.ovo nOl dOlle so. We aro not
ret'(llired to de 30. Any amourlt We pay will bo ~cJdod to lha
amount you Owe LIS, will be il11mcdiotoly due. and will earn
fntorast from the date p<'lid at (he highest lawful contract
rate permitted by lilw lJi"i1 paid in hIlI.
C. We may Immcdiotoly take possession of tho V~~hi~lu by leO'll
process Or self-help, but In dohl9 so we may not breoch tho
peace or unlawfully enter DOrQ your premisss. We may then
sell the Vehicle al1d apply what we receive a. provhl.d by
law to our reasolltlblc expenses and then towOlr(J yo~u
secured obligations..
D. We may be entitled to a defioiency judgfnent "S/aj/lst you iJ
tho proceedS of lhe sale do not pay all 01 lhe expenses and
wl.at you owe QS (excop' wl.en prOhibited by law).
$ ...........--.Jh..Q.~ ay choosing any ono Ot nlore of these remedies, WoO do not
$ 20.00 o.,oowaive our riDht to Iillor llSO another remedy. By d,,::t;Jding not to
$ --1L..Q..Q. '25 DOuse any remedy. we do not Dive up our ri911t to consider the event
..... -----=: a default if it happens again.
._.~ .. ......-.- $ --~..~._~-- YOll agree that if any notice is requlred to be given to YOI~ of
Oth~t CI10uges I I the "intended sale or disposilion of the Vehicle, this notice will be
(il'Jdudlng Aml)lll1t.s Paid to Qli"1Or::i' on Your Behalf) ,$ lies .00 , considered teason~bre if sent by fnClil to yom last known address,
IUI ra11oclocJ in our records, at least 10 days b~fore the date of [he
ILess) Prcl>aid.finance Chorge. $__ ..,.J!.,!!!L- in\ended dispo.ltlon (or .ucb o\llor period of time a. I. leqllircd hy
Amount Financod I law).
(Llnpald Bellanco of CDslI Pr;t:Q pltlS Other Cl1orgas) $ 44985.00
YOll "9Ir,. 10 lhe terms on poge. 1, 2. and 3 of this Contract.
ADDITIONAL ""RMS OF THE CONTRACT
AND SECURITY AGREEMENT
GENERAL TERMS: As lIsod In ,his docQ'Ylent, Cunlract InClude.
the terms of illl! Contract and Security A9t~Gment. You have
beel) given an opportunity t-o p\lrcl13Se the Veh,ij::(o ~nd/or services
d(15Crilicd on paQ!) 1 for lhl,) r.Dsh pric.e or the totl'll salu price; The
tDtal ,"ole ptico is the total price of the Vehiele and/or servic9s if
yo" !:IllY it \lVO! tln.e. rhe tOlol salo price shown in the TRUTH IN
,E:NDING DiSCLOSURES I. basel! on the as.Qmption 'L11al ail
payments will be made ,~s scheduled. You. ogr~G tt> buy. this
property and/ot services from us at tl10 actual total sale price
according to tllo terms of this Contr<:llit.
Yeu' ann~a 1his Contract will be gavernQd l.Jy the law of the
Stato of Pcmnsylvunia. You agree 1.hut wo have not made any Drill
wf.Hn'u'ties or promises raQmding the property. This Contract
l"kus, aflect when .I'''led hI' you. It sny part at Ihis Conlract
oannot be ol"1rorc~cJ, this ftlCl will not affect thcnClnoinino term3.
"
JAN-08-2001 MON 03:03 PM
IrEMlzATION OF AMOUNT FINANCED
Vol',ido
~im;.llJdlno acccssorh1s, (hdivery, services,
and sal"s lax ol ~ 0.00 u..1
~xlcf)d(!d :1r"rvice Contract
. S2500,OO
$
1$
0.00
Cosh Price
C3sh Down P"Yl1lonl ~ 8000.00
MiH1U(nclurer's Rebate $" 0.00
f'>c5c.(iptionofTrilde.in __.~ft'_
52500.00
T rBda .In
Leo.; Amount Owing
Ip~ld hy Soll.rl
Net Trade.ln
~ 0.00
$ ..._--~~
;. 0.00
,,--.......-
Down pa.yment
U,),)lJ'Jd Balance of Cash PrieD
(Cllsh Price las. Down POymentl
~ald to rublic Ornciols. S.los Tax f'rir. Tax
PoJi<.J to ProparLy lnsunmce COlnpal1Y I MC??
Pnld 10 Credit Lif. Insuronee Company
Paid to Craclit DisnlJilily ImHlrancc Company
filing Foo I UCC
To; ...~t!l~!Y !,-.l,"f!.!u.l.L!S!ml RUrJo{t
To;____
1$ aooo,o.O
I$mo~
~ _ ,_ll.L~--:"'-
$.po.ao' 0...00
$~~.9E.~_
WARRANTY: Vehicle warrantY inlorml1llon is .QPplied to you
scpnrC1:tely.
PREPAYMENT; YOQ may prepay this Contraet In part or in IQII at
al1Y tiino. Any parlial paymon' wllll'Ot exclIse any later schedll\e~
poyrnonls IlnLil you pay in full.
OWNERSIIIP AND DUTIES TOWARD PROPERTY: By giving
liS n .$r.curilY intorost In the Vehicle. YOll represent and agreo to
the following.
A. YOtl will defend thIs property again.t any elaim made by
anyon~ elso. You Will do whutever Is ne.cossary to kc.~e" our
claim to tl)lJ Vchicla ahead of the claim of cU'Wone else.
B. lhe sccurity inlCftH)t YOll are Diving us In t"i~ Vehicle comes
"boad of (he claim of any ()~hor of VOllr general or sccUI'ed
credilors. YOQ hove slgnod or immediately will sign any
additional dC/cumonls or prcvide liS wilh any additional
Information We may reqQire 10 keep Olrr claim to tho Vehicl.
ahead of tho cl.,lm or anyone else. YOrl will nol do any,hlng
to chm'!Jo our Interest hI U,e Vehicle.
C. YOLl wIll keop the Vehicle in YOllr possGssion in Qoad
ccnditlnn lU'Id rup~lr. You will use tl10 Vellicle only for the
lawfull'"rpo>;e. lor which It w~s intended, Unless othorwise
~greed in wri,il1g, lhe Vohicle will be located et your a<.ldres.
listed on POgO 1.
O. YQu will not llltcm(JI: to sell the Vehicle: (unless It Is
Inventory m)(1 ItJolllilietl a.s such) or otl1orwise Ui;lnslef 'any
rlg1.t. In this property to anyone. else. without ollr prior
w,ilten cons:ent.
E. You will P::lY 311 T3;<CS arid Glssessments on tho Vel1lcle a5
they bccomo lh.le.
F. You wi1l11(11ify ", 01 any loss or damage to the Vehicle. You
will orovide us rellsonnhlo access to the Vehiclo for \.ha
J)l1rpose of Inspoctlol"\. OUt entry and inspection mllst be
occompll$I,oll in a lawful monnor and wilhout breachino lhe
peace.
G. You will .ndolse the certilleoto of tiLle 10 this Vehicle. If
""y, to show 'ho seeurily inlerest we have in this Whlcle.
,~ I , ;1iIiIIIr"
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.
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FAX NO.
~. Ub
B. We, in good faith, beliove that the prespect of paYlU0l11 or
the prospect of your performance of any other of yow
,9.;pligi!ltlons lJ"dl;lr this Contract is impnil'ccl.
If yOU default, YOll agree to pay CQUI! costs we il\t.:~1f to collect
lhis Contract as well as attofnCys' fees if we mfcr this Contracl
for collection to Dn attorney.
If al"l ovent ,of dor~ul. occ~lrs as to any ona al yOll. we. may
exercise our rOnlAdleS Clgainst any or aU of voq.
REINSTATEMENT; If ,I,e Velliei. has been repos..ssocl or lakcn
through legESI action. we may reinstate The Contrf'lct and-return the
Vehiclo to you. Th. Contract will be rein.to,edll you pay all past
d'l~ IJ'lsltillments, accrued dcfDlllt. pIllS ,lny other amount l~wflllly
due 1.lnder the COI"ltrQct. II) addition, you agree to poy for the costs
ci1 Slli-t if we retake the V~hiclo throllgh leo;;!1 action. If dcfnul1: hilS
exisled for more than 15 (lays €Il lhe time of repossession. lllf~
expenses for relaking, repairing, and storir)g the Vehicle il:3
aQtl.orlzcd by law rnQst also be paid hy YOll.
NOTICE OF PROPOSED INSURANCE: Yo" tnk. notice that
group credit lifa insurance coverage :.:ali<f/or grOLtr> credit accid~f1t
and health iflsllranr::e coverage will be S\ppficable to this Contract if
so nMtked On pane 1. GroLlp credit life insurance COVel'Dgo and/or
group credit accident al)d htHllth insurance coveroge will be
wrlU(Jn by the insurance cornparW l'lamed. This insllnmce, Sllbj(!ct
to accepta.nce by the Ins!Jter, covers only the person si9ning Ihe
request tor suel' insurance (or each peyson slQnlr'!J the request far
Joint credit life Insl"once). rhe amollnt of chargo i. indl.cstecllor
each type or credit Insurance to bo p~lrcha5ed. The term of
insuranco will commence as of tho dale the Indebtedness Is
InCurred and will expire on the originally schedllled malurily date
of the indobtedness. Subject to acccptrlnce by the Insurer ~nd
wilhin 30 days, there will be delivered 10 liS . carlificate of
il1SQranCa mOre lully describing tho in.uranoe. In the event of
prepayment of the indebtedness, a refund of insunmce charoes
will be made when dUll.
INSURANCE: You agrea to buy Insllronce on lhe Vehlclo against
the risk. and far lhe amounts we require. You will name us as
loss payee on al1Y sllch policy. We may reqll;re added .ecurlty on
this Contract if yotl agree lhat Insurance proceecls may be used '0
repair or replace the Vehicle. You ~GJI'CO thut If the Insurance
proco.eds do not caver the amounts you still owe us, you will pny
tl)o difference. You will buy tho insllfance from a firm aUlhori:t;od
to do business In Pl3nnsylvania. You wiIJ keep lhc insurance until
thl. Contraclls paid in fQII.
If YOQ fall to obtain or melntair, lhis insllrance. wo may obtaill
insurance to prolect ou'lntoresl in the Vehicle. If YOll foil to name
us <2$ loss payee, we may obtain Insul':mc~ to. protect our Jntcrest
in tho Vehicle. We will notify you if wo. da so. Tha OQ_st of S1.lcl1
Io.surance will be added to tho omOUl1t you owe us. Tho cost will
l.lo irnmedi~toly due. The cost will liccrue interest 01 tho hishost
'awful contract rata, unlil p~id in full.
WAIVER: Vou give lip your ri91110 Ita lho extent pe,mltted by
law} 10 rcqLdre US to do certain things. VOlt will not require us to:
11) demand pa.yment of 3mOlllll.s dllei 12~ give notice \hat
omount5 due have not been pllidi (3) give notice that we are
malting the Conlraet Immediately duo.
OBLIGATIONS INOEPENDENT: Each person who si9ns this
cOf'1uact aliJrsss to pay this COl"\lraol accordino to its terms. Ti",is
means the following.
A. You rnust pay tl1i$ Conlract even if someono olSG hos signeu
it.
B. Wo mny release Elny co-signer or gUi.lfclntor and you will still
be obiigated to pay the Cenlract.
C. We may releo.o any .eollrily end you will .tlll h. ohligaled
10 pay u,! Contract.
DEFAULT: Vall will he In defalll, on this COl1tract H anyone or O. If Wll give lip any of our rights, it wiil not affect yOQr duty 10
morc af tho r<.lllowing otcurs (except as prohibited by lawl. pay this Contract.
A, YOlt filil t(l porrorm any obligCltion which you have: 1:. If we extend new c.redit Of ranl)W thIs Contract, It wlll not
\Hldl.lrtc,kon in this Contract. affect your dllty to paYAhis Contract. Ipfl9".2 pi Jl
ltIHlll:l.. l!l!l.\ O"nj..llr~ SY~tQll'5. IlIe" EoI. CIUlld, MN (\-1100 397 '3411 f"Qlm r\,SSIMVLAZ.r^ 812194 (;:j f5.L-_. __
ORiGINAL
:BBJ1~ ~
,
,..
;.., .ilJ.i -....~..,i~- ~"
JHI~-U~-iU\JJ 1M'! Uj: U4 m
~..,.....~.. _.._~..". ..--"'._".."....... .........~'..__....d.....__'-_
FTC NOTICES
hOlDER OF nlls CONSUMER CREDIT
ITRACT IS SUBJECT TO ALL CLAIMS AND
ENSES WHICH THE DEBTOR COULD ASSERT
IINST THE SELLER OF GOODS OR SERVICES
'AINEP PURSUANT HERETO OR WITH THE
CEEDS HEREOF, RECOVERY HEREUNDER BY
DEBTOR SHALL NOT EXCEED AMOUNTS
) BY THE DEBTOR HEREUNDER.
(OU ARE BUYING A USED VEHICLE, THE
lRMA TION YOU SEE ON THE WINDOW FORM
. THIS VEHICLE IS PART OF THIS CONTRACT.
)l'IMA'flON ON THE WINDOW FORM
:RRIOES ANY CONiRARY PROVISIONS IN THE
JTRACT OF SALE.
~ "
"" .:c-
'.~"' ' il. _-"
FAX NO,
p, 06
THIRD PARTY AGRfEMEN'f
By signillQ bclq.w you ilgrcc to givc U:i a sccurity intcrc:it in
the Vehicle described on pOQo 1. You also OQreo to bo bound
by the terms of this Conlract, including the WAIVER seclion on
paQe 2. EXCEPT that YOll will not be ~ialJle for the I"nym~nt5 it
requires. You agree that we may renew, exLend, or chanoe this
Contract. You also agree that we may release any party or
Vehicle without rclcilsing YOtj from tl)js c.:ontrllCt. We rni'lY Cilka
1hesB s\eps wi1l1out noHce Of domand llpon you.
Vou acknowledge receipt of a completed copy of this Contract
alld Security Agleement.
x
Dale _h..,.__._,..
Name
'ICE TO BUYER: DO NOT SIGN THIS CONTRACT IN BLANK. YOU ARE ENTITLED TO AN
.CT COpy OF THE CONTRACT YOU SIGN, KEEP IT TO PROTECT YOUR LEGAL RIGHTS.
~&~~l. k ~ /I~~
l~lrlJ: ~ Date
lurc:
Dale
Buyer:
Signature:
'Date
Signat~:...-_....._~.._-'_.._' ---....._.~
Date
(ER ACKNOWLEDGES RECEIPT OF A COPY OF THIS RETAIL INSTALLMENT CONTRACT
~v~<<;_..~, :,!0. )"..lt~1=-9.c--
tura: ~..'w~' Dlfte
---'0',;;'''''--
HI(O:
:;IGNM~NT: This Contract and Security Agrecment is
,gnad to,lll.\DftlS S~JlANj(
(r1iUnc anci cHhJress). lhe Assignee,
er tile wms ~f \11<1 ~~I~f:l.!'!!EI..fL~Y.,~E1.LE~ below.
a"y.r:
Signature:
D3tc
Slgnatur.:
Dale
Seller: LEIBY "M
By:
ASSIGNMENT BY SELLER
,lIer .ells and ..alan. this netalllrlStollmenl Contract and Security Agreement on // - 1.:::_ .,.~7.Y.:' to
~~l\WH~,12lirl~E nn~E.T, t!!!8!!!~DlJRG. PA 17105171' ,__._~. the Assigncc, its ."ccessor.
Isoinns, all Its rights, title aM lntor.ol In this Conlract and Security Agroemen1. ond any Q"arantee execuled In connection with
:orllrilct i'd1d Sl;lcLlrily Agreement.
liS ASSIGIIIMEIIIT IS MADE: 0 UNDER 'fHE nRMS OF A SEPARATE AGREEMENT.
UO PURSUAIIIT 'fa TIlE FOLLOWING nllMS,
'lIer oives Assiol1cc full power, either in its own name or in Seller's n.ilmo, to take all legal or olher actions which Soller could "i'lVO
\ \Indet thi:'i Contract. Setter warrants:
, his Contract raprC::ic()tS 0 sole by Seller to a,llyer on Q time pri~Q busis and not on a cash basisj
The 5ttttGrnents contained in,this Contract EIre lrue and correct;
Tho clown flilymenl wo~ made by the Buyer in the manner slaled on page 1 and no part of 1110 dOWll payment wa. loaned or
p~ld to lhc nuyer by Seller or Sellcr'. rcprcsentatives:
This selia wag completed in accordance with all applicable fedcrLlI .md sttlta laws and reoulations:
This Contract Is valid Mid nnrofceatJle in accordance with its terms;
Tho nUITWS anti slona1ures on this Cont!'acl Me not forged, fictido4's or asslJInec1, amI are trLle and correct;
This Contract i. nOI S1/1',j,!ct to any claims or dofonsos on the palt of the Buyer;
A completely flllod.in c:t.'JPV of lllis Cnntrt'tct was dalivcrAd to the Bllyp.r fit lhfl time of exec~ltion; llnd
,'ha Vc.!&lcl(J has l)l)f!!" delivered 19 the Buyer 11'\ goad cOf'ldilion and has been accepted by Buyar.
tlny of these warranties is bfC-Qch~d Of \lI)tn.l&, Seller wm, upon Assignoo's deflHU)\l, purchase thi:s Contract irem As:,igoee. The
lase sl\o'lll hn In r.Ll~11 in the amount of the unpaId br.alnnc:e finclllding interestl plus the cost al)d cxper)ses of Assionee, including
.~~. . ,
,lieI' will inrJomnify Assi(lnee for any loss sustalnod by it because of judicial set~off or D.S the resuH 01 a recovery m.Jdc ~Hilln5t
11)00 :JS ~ rcsuh of a claim or def-en~e Buyer has againSl seller.
IIl-lr wni'llAs notice of the i!lcccpt~nco of tlli::; as!;ii!)nment, notice of non-payment or non.performanc", and notice of any other
~iQ::; aVi'.IlInbla to Assignee,.
;siunee ,nay I wi'tho\.lt notlca tQ Solt<=!r. and wtlhout affecting the !lability of Sellet under thts assignrnarlt, compol.lt,d or release any
i QOiJin:il~ ;]nd grnnt uXlclIsions of time for p::lymcm to bo made, to Buyer Bnd any athor person obli03:ted undor thls ContttH:t.
E55 INDICATED BY CHECKING THE BOX BELOW, THIS ASSIGNMENT IS WITHOUT RECOURSe.
VITH RECOURSE: Seller agrecs that if the Buyer delaults on any obii9~tioll of payment or pe'lolmonce llnder this Contract .nd
rhv AoroelY\cnt. Sallcr will. llpr.m demilndr repurchase tl,i5 Contract and Security AgrClcrnem f(l( the amollnt of the unpaid tll.:lanc19.
jinn finance chnrQos, lhw Olllli:tt time.
: ~EI?S (O~ll~ 1I0ME SALES f (() -. 0 '. r; I<
__,__\~..,2{,)..A (J Jl,1..<..(? ..., JILh-!-~ TiUe:__tJKTfJ~
,,10!H D:tIl"~I' SV:'oII'm~.II1t:.. St. C.IOlld, M~ 1l.!l:OO.,J07-ZJ1\J r\lrnl n:a::lIMVLAZ PA 80194
OAIG'NA~
{piI1fl! 30/31
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VERIFICATION PAGE
The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. S4904 relating to unsworn falsification to
authorities that he/she is (N'me)L\~o.... ft'\C\(s\1. ,(ritle)A~fk()\\ ~P1~ ~.il~f
~f61 rft ~Qn \l,Plaintiff herein, and that he/she is duly authorized to make this Verification, and that
the facts set forth in the foregoing Complaint are true and correct to the best ofluslher knowledge, information and
belief.
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK FKA HARRIS SAVINGS BANK,
Plaintiff
No.: 01-1247-CIVIL
vs.
DELIA MAY KEY,
TYPE OF PLEADING:
PRAECIPE TO SETTLE AND
DISCONTINUE WITHOUT PREJUDICE
Defendant(s)
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
JAMES P. VALECKO
PA I.D. #79596
Weltman, Weinberg & Reis Co., L.P.A.
2718 Koppers Building
436 yth Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#02137920
_'1' -- ~.
Jl~~....~,,~. ~b---.
- _~~~;;tl~<L~'-
..
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
WAYPOINT BANK FKA HARRIS SAVINGS BANK,
Plaintiff
No.: 01-1247-CIVIL
vs.
DELIA MAY KEY,
Defendant(s)
PRAECIPE TO SETTLE AND DISCONTINUE
WITHOUT PREJUDICE
PROTHONOTARY:
Kindly settle and discontinue the above-captioned matter and mark the docket
accordingly.
Respectfully submitted:
Weltman, Weinberg & Reis Co., L.PA
Notarial Seal
Wendy L. WIllis, Notal)' Public
Pittsburgh, A1ISQheny Coul)ly
My Commlsslon ExPII'9S July 15, 2002
. Pennsylvania Assoalatlon of N ss
By: Q
JAMES. VALECKO
PA 1.0. #79596
Weltman, Weinberg & Reis Co., L.PA
2718 Koppers Building
436 yth Avenue
Pittsburgh, PA 15219
(412) 434-7955
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