HomeMy WebLinkAbout01-03061
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THE PEOPLES STATE BANK,
Plaintiff
v.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
RANDY L. LAWRENCE
and SHARON A. LAWRENCE,
Defendants
No. Dl- ..;>o~ r
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CONFESSION OF JUDGMENT
Pursuant to the authority contained in the Warrant of Attorney, the original or a copy of
which is attached to the Complaint filed in this action, I appear for the Defendants and confess
judgment in favor of the Plaintiff and against Defendants as follows:
A.
Unpaid Principal
$ 34,124.32
B.
Unpaid Interest through 5/15/01
$ 844.33
C.
Late Fees as of 5/15101
$ 119.82
D.
Attorney's commission of 15%
of Principal
$ 5,118.65
TOTAL
$40,207.12
Plus interest from May 16, 2001, at the per diem rate of $7.77, together with costs of suit.
CGA Law Firm
Countess Gilbert Andrews, P.C.
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By: / C~
aron E. Mye s, Esquire
Supreme Court No. 32111
29 North Duke Street
York, PA 17401
(717) 848-4900
Attorneys for Plaintiff
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THE PEOPLES STATE BANK,
Plaintiff
v.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIJL ACTION - LAW
RANDY L. LAWRENCE
and SHARON A. LAWRENCE,
Defendants
No.
COMPLAINT IN CONFESSION OF JUDGMENT
1. Plaintiff, The Peoples State Bank, is a Pennsylvania banking corporation
organized and existing under the laws of the Commonwealth of Pennsylvania, having an office
at 100 East King Street, East Berlin, Pennsylvania 17316.
2. Defendants, Randy L. LaWrence and Sharon A. Lawrence, are adult individuals
whose last known address is 234 Fox Drive, Mechanicsburg, Pennsylvania 17055.
3. Plaintiff made a term loan to Defendants in the original principal anulUnt of
$35,000.00 evidenced by a certain Promissory Note of Randy L. Lawrence and Sharon A.
Lawrence to The Peoples State Bank dated January 11, 2000. A true and correct copy of the
Promissory Note is attached hereto as Exhibit "A" and incorporated herein.
4. Under the terms of the Promissory Note, Defendants were to make monthly
payments of principal and interest at a variable rate initially set at $382.88 beginning April 7,
2000. Defendants have not made the monthly payments of $399.43 each for the months of
February, March, April and May, 2001.
5. Exhibit "A" contains a Confession of Judgment clause in favor of the Plaintiff
and against the Defendants. Furthermore, said document contains the right of the Plaintiff to
collect reasonable attorney's fees in the amount of 15% of the principal balance together with
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costs of suit. Defendants also signed a Disclosure for Confession of Judgment. A true and
correct copy of the Disclosure is attached hereto as Exhibit "B" and incorporated herein.
6. There has been no assignment of Exhibit" A".
7. No judgment has been entered on Exhibit "A".
8. The terms of the Promissory Note provide that upon the occurrence of a default
by the Defendants, the Plaintiff may accelerate and demand immediate payment of all sums
secured by the Promissory Note.
9. All conditions precedent to confession of judgment have been performed or have
occurred.
10. Judgment is not being entered by confession against a natural person in
connection with a consumer credit transaction. A true and correct copy of the Affidavit of
Business Loan signed by Defendants is attached hereto as Exhibit "c" and incorporated herein.
11. The sums presently due and payable to Plaintiff by Defendants and secured by
the Promissory Note are computed as follows:
A.
$ 34,124.32
Unpaid Principal
B.
Unpaid Interest through 5/15/01
$ 844.33
C.
Late Fees as of 5/15/01
$ 119.82
D.
Attorney's commission of 15%
of Principal
$ 5,118.65
TOTAL
$40,207.12
WHEREFORE, Plaintiff, The Peoples State Bank, by and through its attorneys,
CGA Law Firm (Countess Gilbert Andrews, P.C.), hereby confesses judgment in favor of the
Plaintiff, The Peoples State Bank and against the Defendants, Randy L. Lawrence and
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Sharon A. Lawrence, and simultaneously herewith requests the Prothonotary to enter judgment
against Defendants in favor of the Plaintiff in the amount of $40,207.12, together with interest
from May 16, 2001 at the per diem rate of $7.77, and costs of suit.
CGA Law Firm
Countess Gilbert Andrews, P.C,
By ffl~/~
sharon E. Myers
Supreme Court No. 32111
29 North Duke Street
York, PA 17401
(717) 848-4900
Attorneys for Plaintiff
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VERIFICATION
I, the undersigned, Georgia A. Bear
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Vice President of Collections
for Plaintiff, The Peoples State Bank, hereby affirm that the facts contained in the foregoing
Complaint in Confession of Judgment are true and correct to the best of my knowledge,
information and belief. This statement is made subject to the penalties of 18 Pa.C.S. Section
4904 relating to unsworn falsification to authorities.
THE PEOPLES ST
BY:P-
Georgia A. Bear
Vice President/Collections
Dated: May 15 ,2001
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PROMISSORY NOTE
5t103717-5
$35,000.00
T.::IT111::n"y 11.
, 2000
FOR VALUE RECEIVED, and inlending to be legalIy bound hereby, RANDY L. LAWRENCE and
SHARON A. LAWRENCE, jointly and severalIy (hereinafter colIective1y referred to as "Maker"),
promises to pay to the order of THE PEOPLES STATE BANK, a Pennsylvania banking institution
("!3l1J1k"), or any subsequent holder hereof, the principal amount of TIllRTY-FIVE THOUSAND
DOLLARS ($35,000.00), in lawful money of the United States, together with interest at the rate as
hereinafter provided and any additional charges or funds advanced hereunder, at the offices of the Bank
or such other address as the Bank may designate by written notice to the Maker.
INTEREST-The unpaid principal balance shaII bear interest at the folIowing rate per annum:
The floating Prime Rate plus 1.00 percent.
Interest shaII be calculated on an actual days basis. Accrued interest shaII be payable as provided herein.
Accrued interest shaII also be payable when the entire princIpal balance of this Note becomes due and
payable (whether by stated maturity, demand or acceleration) or, if earlier, when such principal balance
is actualIy paid to Bank. The term "Prime Rate" (which is not necessarily the lowest rate of interest
charged by Bank) is defined as that rate of interest so designated and listed as the prime rate by the WaII
Street Journal. Changes in the Prime Rate shaII be effective as of the date the Prime Rate changes.
Interest shaII accrue on each disbursement hereunder from the date such disbursement is made by Bank.
Interest shaII accrue on the unpaid balance hereof at the rate provided for in this Note until the entire
unpaid balance has been paid in fulI, notwithstanding the entry of any judgment against Maker.
REPAYMENT-The principal sum and interest shaII be paid by Maker to Bank as folIows:
(a) Payment of interest only, computed on the unpaid principal balance outstanding, due on
the 7th day of Feb. ,2000, and on the 7th day ofl1arch ,2000; thereafter,
(b) Repayment to be made in 163 monthly installments of principal and interest in the amount
of $382.88 each, the first such payment being due and payable on the 7th day of April, 2000 and on
the same day of each consecutive month thereafter, except that the final instalIment shall be equal to the
balance of principal and interest remaining unpaid hereunder. Changes in the rate of interest will require
corresponding chang~ in the amount, but not the number, of monthly instalIments.
PREPAYMENT-Maker may prepay aII or any portion of the principal balance hereunder at any time
without premium or penalty. Partial prepayments shaII be applied to monthly installments in the inverse
order of their maturity. Maker shaII pay a prepayment penalty equal to 1 % of the amount prepaid if
prepaid by a third party.
COLLATERAL-As security for aII indebtedness to Bank now or hereafter incurred by Maker, under this
Note or otherwise, Maker grants Bank a lien upon and security interest in any personal property of Maker
now or hereafter in Bank's possession and in any deposit balances now or hereafter held by Bank for
Maker's account. Such liens and security interests shaII be independent of Bank's right of setoff.
Additionally, to secure the performance of this and all other obligations to Bank of Maker or any other
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parties to this Note, whether now existing or hereafter incurred, Maker grants to Bank a security il\lerest
in the collateral described below, complete with all present and future attachments, accessories and
replacements of all or any parts thereof and all additions thereto or substitutions therefor, and in any
insurance policies thereon, and dividends, distributions and other rights on or with respect to, and the
proceeds thereof (all of which is referred as "Collateral ") with authority to collect, sell, transfer and
rehypothecate. In case the market value of the Collateral or any part thereof shall suffer any decline,
Maker agrees upon demand of the Bank to deliver to and pledge with the Bank additional collateral as
the Bank shall in its discretion require. Description of Collateral: 1) Second priority mortgage lien on
real estate and improvements located at 675 Williams Grove Road, Mechanicsburg, Pennsylvania; 2)
Assignment of leases.
LATE CHARGE-If any payment hereunder is not paid when due, and continues unpaid for a period of
ten (1O) days thereafter, Maker agrees to pay to Bank as a late charge an amount computed at a rate of
five percent (5 %) of such past due amount. The late charge shall be in addition to any interest due.
Notwithstanding the foregoing, in no event shall any late charge be less than ten dollars ($10).
REPRESENTATIONS BY MAKER-Maker warrants and represents that thIs Note has been validly
executed and is enforceable in accordance with its terms, that the execution, delivery and performance
by Maker hereunder are not in contravention of law and do not conflict with any indenture, agreement
or undertaking to which Maker is a party or is otherwise bound, and that no consent or approval of any
governmental authority or any third party is required in connection with the execution, delivery and
performance under this Note. Maker warrants that no advance hereunder or portion thereof shall be
used other than for business purposes. .
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SUBSEQUENT HOLDERS-In the event that any holder of this Note transfers this Note for value and
in good faith, the Maker agrees that no subsequent holder of thls Note shall be subject to any claims or
defenses which the Maker may have against a prior holder, all of which are waived as to the subsequent
holder, and that all subsequent holders shall have all of the rights of a holder in due course with respect
to the Maker even though the subsequent holder may not qualify, under applicable law, absent this
paragraph, as a holder in due course.
DEFAULT-Each of the following shall be an Event of Default hereunder:
a. If any payment of principal or interest under this Note Is not paid when due, or within
ten (10) days thereafter; or
b. If Maker or any endorser, surety or guarantor of this Note defaults in the payment or
performance of this Note or any other obligation to Bank or to any other holder hereof
or fails to perform or comply with any agreement with Bank or any other holder hereof;
or
c. If Maker or any endorser, guarantor or surety is unable to pay its debts as they mature;
becomes insolvent; voluntarily suspends transaction of its business or operations; makes
an assignment for the benefit of creditors; files a voluntary petition to reorganize or to
effect a plan or other arrangement with creditors; or has an involuntary petition filed
against it pursuant to the Bankruptcy Code or any amendments thereto; or applies for
or consents to the appointment of a receiver or trustee of all or part of its property;
institutes liquidation, dissolution, merger or consolidation proceedings; or
d. If there is entered against Maker a judgment, levy, or lien of a material nature or if a
writ or warrant of attachment, execution, garnishment, distraint, possession, or any
similar process of a material nature shall be issued by any court against all or a part of
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the property of Maker; or .
e. If Maker or any endorser, surety or guarantor dies or is judicially declared incompetent;
or
f. If there is a taking of possession of a substantial part of the property of Maker at the
instance of any governmental authority; or
g. If Maker fails to pay any income, excise, or other taxes of any nature whatsoever when
due and payabIe or fails to remit when due to the appropriate governmental agency or
authorized depository any amount collected or withheld from any employee of Maker
for payroll taxes, Social Security payments or similar payroll deductions; or
h. If the Maker or any endorser, surety or guarantor fails to provide the bank with required
financial information; or
i. If a material adverse change in the financial condition of the Maker, or any endorser,
surety or guarantor of this Note has occurred since the date of this Note.
REMEDIES UPON DEFAULT-Upon the occurrence of one or more Events of Default, at the Bank's
option, the entire unpaid balance of thls Note and all accrued interest shall be immediately due and
payable without notice or demand, and Bank may, immediately or any time thereafter, exercise any or
all of ils rights under any agreement or otherwise under applicable law against Maker, against any person
liable, either absolutely or contingently, for payment of any indebtedness evidenced hereby, and in any
collateral without regard to any marshalling requirements, and such rights may be exercised in any order
and shall not be prejudiced by any delay in Bank's exercise thereof. The Bank may set off against all
other obligations of Maker to Bank all money owed by the Bank in any capacity to Maker. In addition
to the principal and interest and other sums payable hereunder, Maker agrees to pay Bank on demand,
all costs and expenses which are incurred by Bank in the collection of this Note or the enforcement of
Bank's rights and remedies hereunder, including attorneys' fees of fifteen percent (15 %) of the unpaid
balance. Upon any default, Maker and any endorser hereby authorize and empower the Prothonotary or
any attorney of any court of record of Pennsylvania or within the United States to appear for the Bank
and confess judgment against such Maker or endorser for such unpaid balance and costs, with release of
all errors and without stay of execution. All rights and remedies of Bank are cumulative and concurrent
and no single or partial exercise of any power or privilege shall preclude any other or further exercise
of any right, power or privilege. This Note is the unconditional obligation of Maker and each additional
person, if any, obligated for repayment of the indebtedness evidenced hereby agrees that Bank shall not
be required to exercise any of its rights or remedies against any collateral in which it holds a lien or
security interest, or against which it has right of setoff, or against any particular obligor.
MISCELLANEOUS-Any demand for payment or any notice required to be given by Bank under the
provisions of this Note shall be effective as to each Maker when addressed to Maker and deposited in the
mail, postage prepaid, for delivery by first class mail at Maker's billing address as it appears on Bank's
records. Maker and any endorsers, sureties and guarantors waive presentment, dishonor, notice of
dishonor, protest, notice of protest, and notice of any renewal, extensions, modification or change of
time, manner, place or terms of payment. Neither the failure nor any delay on the part of Bank to
exercise any right, remedy, power or privilege hereunder shall operate as a waiver or modification
thereof. No consent, waiver or modification of the terms of this Note shall be effective unless set forth
in a writing signed by Bank. All payments due under this Note are to be made in immediately available
funds. If Bank accepts payment in any other form, such payment shall not be deemed to have been made
until the funds comprising such payment have actually been received by or made available to Bank. All
representations, warranties and agreements herein are made jointly and severally by each Maker. If any
provision of this Note shall be held invalid or unenforceable, such invalidity or unenforceability shall not
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affect any other provision hereof. This Note has been delivered in and shall be governed by dnd
construed in accordance with the laws of the Commonwealth of Pennsylvania without regard to the law
of conflicts. This Note shall be binding upon each Maker and each additional endorser, guarantor, or
surety and upon their personal representatives, heirs, successors and assigns, and shall benefit Bank and
its successors and assigns.
IN WITNESS WHEREOF. Maker has executed and delivered this Note under seal as of the day and year
first above written.
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Susan H. Confair
(Type Name)
WITNESS:
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WITNESS:
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Susan H. Confair
(Type Name)
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Disclosure for
Confession of Judgment
The Peoples State Bank
East Berlin, P A 17316
.
Today we are signing a promissory note in the amount of $35,000.00 which obligates us to pay that
amount to The Peoples State Bank of East Berlin, Pennsylvania.
We certify that our annual income:
X exceeds $10,000
is less than $10,000
A' representative of The Peoples State Bank has explained to us that the note we are signing contains
wording:
1. which permits The Peoples State Bank to obtain a judgment against us in any court of
record.
2. by which we are consenting to the entry of judgment against us. The judgment may be
obtained against us without the following, all of which we have intentionally,
understandingly and !mowingly waived:
a. the right to notice and a hearing.
b. the right to reduce or set off a claim by deducting a claim we may have against
The Peoples State Bank (called the "right of defalcation"):
c. release of error;
d, inquest (the right to ascertain whether the rents and profits of our real estate will
be sufficient to satisfy the judgment within seven years);
e. stay of execution;
f. exemption laws now in force or hereafter to be passed;
g. the right to defend against the entry of judgment against us.
We certify that all the blanks in this disclosure were filled in when we signed it, and that we received
a copy of this disclosure at the time of signing.
Dated:
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(SEAL)
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Sworn and subscribed to before me this
Ll!!:. day of ~~ ,~~OO~
Jt.L . 0' cccJUA-
Notary Public
NOlarial Seal
Susanne K. Sather, Nolmy PubHo
Camp Hill Bora, Cumbeflana County
My CommlssiQn Expires Aug. 25, 2001
Memller. Pennsylvania Associatloo of NotIiies
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AFFIDAVIT OF BUSINESS LOAN
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COMMONWEALTH OF PENNSYLVANIA)
COUNTY OF iJ.urnber/and
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The undersigned, affirm according to law, depose and say that they:
(1) Are engaged in business as real estate investors.
(2) Hereby make an application to The Peoples State Bank for a loan in the amount of
$35,000.00 the proceeds of which will be utilized to finance improvements to the
property located at 675 Williams Grove Road, Mechanicsburg, Pennsylvania. No
advance of the loan or portion thereof shall be used other than for business purposes.
(3) Exercise actual control over the Il1llIJ,agerial decisions of the business.
(4) Are authorized to make this affidavit, ,and do so under penalty of perjury.
Affirmed to and Subscribed before me
this 1;+11 day of~lL'(f ,~O~
My corrnnission expires:
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Notarial Seal
Susanne K. Sather, Notary Public
Camp Hili BolO, Cumberland Counly
My Commission Expires Aug. 25, 2001
Member. Pennsylvania Assooiatlon 01 NOIar18s
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYL VANIA
CIVIL DIVISION
THE PEOPLES STATE BANK,
Plaintiff
CIVIL ACTION - LAW
v.
No.
RANDY 1. LAWRENCE and
SHARON A. LAWRENCE,
Defendants
NOTICE OF FILING JUDGMENT
(X) Notice is hereby given that a Judgment in the above-captioned matter has been
entered against you in the amount of $40,207.12 plus interest and costs on
May 1E-, 2001.
(X) A copy of all documents filed with the Prothonotary in support of the within
judgment is/are enclosed.
Prothonotary Civil
If you have any questioDS regarding this Notice, please contact the filing party:
NAME: Sharon E. Myers, Esquire
ADDRESS: 29 North Duke Street
York,PA17401
TELEPHONE NO: (717) 848-4900
(This Notice is given in accordance with PA.R.C.P. 236.)
Notice sent to: NAME Randv L. Lawrence
Sharon A. Lawrence
ADDRESS 234 Fox Drive
Mechanicsbul'l!:. P A 17055
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYL VANIA
CIVIL ACTION - LAW
THE PEOPLES STATE BANK,
Plaintiff
v.
RANDY L. AND SHARON A. LAWRENCE,
Defendant
No. 2001-3061
PRAECIPE TO REMOVE
TO THE PROTHONOTARY:
Please mark the above-captioned action discontinued, satisfied and ended.
{OO129377fl}
Respectfully submitted,
CGA LAW FIRM
By:
Lawrence V. Young, Esq e
PA#21009
29 North Duke Street
York,PA 17401
717-848-4900
Attorneys for Plaintiff
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CERTIFICATE OF SERVICE
I hereby certify that on this 9th day of September 2004, a true and correct copy of the
foregoing Praecipe to Remove has been served, via first-class mail, postage prepaid, upon the
following:
Dorothy L. Mott, Esquire
125 State Street
Harrisburg, P A 17101
CGA LAW FIRM
By: ~o_~~
Lawrence V. Young, Es re
PA#21009
29 North Duke Street
York,PA 17401
717-848-4900
Attorneys for Plaintiff
{OO129377/1}
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