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Home My WebLink About01-03088 'I _"',",""'-_,_',r i." 00; .', "-;~" " h ',. ,'_ ';;-,,";'~'cr"~,,",-.,-'"'" "'.' ,_ '';;~:''i<l" ~j._d.i;.;> >~"'" :T>,;'""i""b'" ~;n~,,,;.:j-'; __';"'0 , . ',,_1 ALLFIRST BANK, Successor to Dauphin Deposit Bank & Trust Company, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW vs. : No. 01 - 30W C?lo~l~~ VICTOR D. MACOMBER and WANDA W. MACOMBER, his wife, Individually and Jointly, Defendants NOTICE You have been sued in Court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights I , 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. LAWYER REFERAL SERVICE Cumberland County Bar Association 2 Liberty Avenue Carlisle, PA 17013 (717) 249-3166 or (800) 990-9108 II - ,.--'";,,,1., -- ,- ~'~. .. 1'; ,:. ,,".eo""'- .,...'i'!---.',"_. ~-o"-,c,b"-x." ,~:,;.~ ";,'.:,,,~,<,,~ ".,_c",: Notice Required Under the Fair Debt Collection Practices Act. 15 U.S.C. &1601 (as amended) and the Pennsvlvania Unfair Trade Practices Act and Consmner Protection Law. 73 Pa.Con.Stat.Ann. &201. et seq. ("The Acts"). To the extent that the Acts may apply, please be advised of the following: 1. The amount of the original debt is stated in the Complaint attached hereto. 2. The Plaintiff who is named in the attached Complaint and/or its loan servicing agents are creditors to whom the debt is owed. 3. The debt described in the Complaint attached hereto and evidenced by the copies of the mortgage and note will be assmned to be valid by the creditor's law firm, unless the debtors/mortgagors, within thirty (30) days after receipt ofthis notice, dispute, in writing, the validity of the debt or some portion thereof. 4. If the debtors/mortgagors notifY the creditor's law firm in writing within thirty (30) days ofthe receipt of this notice that the debt or any portion thereof is disputed, the creditor's law firm will obtain verification of the debt and a copy of the verification will be mailed to the debtor by the creditor's law firm. 5. If the creditor who is named as Plaintiff in the attached Complaint is not the original . creditor, and if the debtor/mortgagor makes written request to the creditor's law firm within thirty (30) days from the receipt of this notice, the name and address of the original creditor will be mailed to the debtor by the creditor's law firm. 6. Written request should be addressed to: Marc A. Hess, Esquire HENRY & BEAVER LLP 937 Willow Street P.O. Box 1140 Lebanon, PA 17042-1140 . ~. .';<, '--' ..- ',;. --~ ,-",-,,-',---'. 7. THIS MAY BE CONSTRUED AS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 8. Be advised that the thirty (30) day time period allotted herein will not stop or toll the time period set forth above, which requires you to take action on the Complaint within twenty (20) days after this Complaint and Notice are served upon you. AMERICAN WITH DISABILITIES ACT OF 1990 The Court of Common Pleas of Lebanon County is required by law to comply with the Americans with Disabilities Act of 1990. For information about accessible facilities and reasonable accommodations available to disabled individuals having business before the Court, please contact the Court Administrator's Office at (717) 274-2801, ext. 2352. All arrangements must be made at least 72 hours prior to any hearing or business before the Court. You must attend the scheduled conference or hearing. -~~, " ALLFIRST BANK, Successor to Dauphin Deposit Bank & Trust Cqmpany, Plaintiff vs. : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW 01- 3D?''' /iJ - ~ 0 ..,-~ : No. " U.v<-< VICTOR D. MACOMBER and WANDA W. MACOMBER, his wife, Individually and Jointly, Defendants COMPLAINT 1. Plaintiff is Allfirst Bank, successor to Dauphin Deposit Bank & Trust Company, with an office located at 213 Market Street, Harrisburg, Pennsylvania 17105. 2. Defendants are Victor D. Macomber and Wanda W. Macomber, his wife, individually and jointly, last known to reside at 3452 Lisburn Road, Mechanicsburg, Pennsylvania 17055. 3. On or about October 7,1997, the Plaintiff and Defendants entered into a Prestige Home Equity Line-of-Credit Acconnt Agreement, wherein the Defendants agreed to the terms ~ of a line-of-credit loan from Plaintiff up to a principal sum of One Hundred Thousand Dollars ($100,000.00). A copy of said Agreement is attached hereto as Exhibit "A" and incorporated herein by reference. 4. Defendants have completely drawn the full principal balance of the line-of-credit loan in the amount of One Hundred Thousand Dollars ($100,000.00). 5, Defendants are in default of their obligation to Plaintiff as they have not made a payment to Plaintiff on the obligation as required since March 15, 2001, and as a result thereof Plaintiff has demanded payment in full of the obligation, which demand has been ignored. 6. As a result of the Defendants' default and failure to meet demand for payment in full, the obligation is currently past due and owing as follows: Principal - Interest to 5/18/01 - Late Fees - Total - $100,000.00 1,783.36 36.39 $101,819.75 Together with interest which continues to accrue at the contract rate ($21.92 per diem), all court costs and fees, as well as reasonable attorney's fees incurred by Plaintiff in order to collect this account. WHEREFORE, Plaintiff demands judgment be entered in its favor and against the Defendants as follows: Principal - Interestto 5/18/01 - Late Fees - Total- $100,000.00 1,783.36 36.39 $101,819.75 Together with interest which continues to accrue at the contract rate ($21,92 per diem), all II -..".' -- ."",,,., _,c, , ", -~ ; I I'" "- ;:'-~"_;1; ,'-~.- ';;~"~":':';~:~";"5':- :~.:;,,;<;:; _". ".j ',',i'"' __~. '!C. court costs and fees, as well as reasonable attorney's fees incurred by Plaintiff in order to collect this account. By: Marc A. Hess I.D. #55774 937 Willow Street P.O. Box 1140 Lebanon,Pl\ 17042-1140 (717) 274-3644 Attorney for Plaintiff II ~ ,. " , o.j.' .. ,.1.' '< .. " -'-~ , j",- .., ~'," - ,. - i.w,~ VERIFlCA nON I verify that the statements made in this Complaint are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S, Section 4904 relating to unsworn falsification to authorities. ALLFIRST BANK BY~}. 1 ;,.,k, e ,Hnden SSlstant Vice President III l!l III T\HI O~:14 h\.\ 302 !I;l.\ 2134[, A{,l,JI!HST'I'IWU .....,-.,vrnll,. ucrV;'11 DAI~I\. ANU 'I KUST COMPANY Mll'n'lb~rFDIC fgJUlllJ Prestige Homa Equitv Line of Cmdil Account Agreement OWl ~O_CI-P.aER 07 1 M7 Accollnt No. Authorized Crellit limit $_-1Q..Q.PJ~Q..Q..9...-.- ^ SF.PARATF. OlSCtOSURE STATfMENT, PART ONe AND PIlRT TWO, HAS BEEN BIVEN TO BORROWER WITIJ, ANO IS PART OF, nlls AGREEMENT. nlE mSClOS1JRF. 5T ^ TEMENT. PAftT ONE AND PART TWO, AND THIS AGREEMENT SllOUlD BE READ TOGETHER AS mIl: DOCUMENT. I\~ n~~d in lhi~ Agreemenf, Iho following definitions apply: PBafrowcr" meen~ Bech person signing lhis Agrlllllllent as e Borrow6T Individually end it more tban one ROrfllwer ~IQn~, an Borrowers, collectively, ' " ~f.Andpr'. mPAn~ DAlJPflIN DEPOSIT BANK AND TnUST COMPANY and IIIlY person or institution to whom lhe lender Dssigns Its Inter~sl in this Agreomenl. "MnnpA9RrI PropArly" meAns tho NlolostatelOClllRdal 7114tlSBURNRO CAMPllIll FA 17111 upon whIch 'hI'! Ownors hove gIven the llfnder 8 MortgllQllto ~el:\lfll pllymant and ~elforman~B of Borrowor's obUgatlon~ under this Agreement. "Ownpr" mMns: lJach parson :ligning the Mortgage on thl Mortgaged Property, imlividullrty, and, if more than one Owner signs, all Owners, cCll1ectlvely. One or mora O\IJn~rs mAy "bq..be Borrowers. ~ACClJunl" mnons lhe revolvinllloan Account which is Ihe subjecl of this Agreement M/\llthnri1ed Credit Umit- m9ans the total dollat IImount of creditllvailebla to BorlOwer on Illo Ac.rount, end is staled lIboV9. ~TprmlMllan" nf the Ar.count means that Borrowor will no langer be permilllld 10 obtain loens Of advances of credit on 1119 Account, Termination affects lho Account pl'rm~n'!f1tlv. .'Ou1stilllrlinQ811ll'lOce"rrmonsanvunpoldprincipelbalanceplusinWeSI,lafochargesllndoltlllrchergns. "Blllioo r.Vr.lllM means lhe lnlllno! betwelln lhe datas each monlh when the mnnthlv billing Slalement is prepared. GENERAt neSCRIPT10N OF TIfE ACCOllNT. This Account k 0 revo!v!nll Inan leI Borrow8r will pay or p~rform ell oblign!io~ ungor My mOrlgage or ~eelJrily acemrn! sRCllred lly e Mnngllge nn the Morlpaged Properly. During llle Draw PhR:m, lllil'llll1llenl on Ihe Mortgaged Property which has priorilY over Ihe Mortga!lo Rorrowor m~y Ilhlnin loan.! nn Ihe Account In Ule ways do!uibod In lfll! "I\dvance.! .'lncurlnll this Acc(lunt. . (I[ Cf'!dilM ~octilln 01 the DllIcl1l3ure S1atRment.Part Ona, IIp 10 the Aulhorlllld Gradlt limit. toans will he added to 11m bafancll' on Ihe Accqullt DurinG tM Orew Phase {IJ Borrower wm k~p, or causa 10 be knpl, the Morlgnged Property in good order And (os dllscribad in lho "Torm of lhe Ar.oount~ socHon of 111ll Disclo.!ure Slalemont'PlIrt rellftir; s~all n011lennit WlIlIltl IIr dehrrlorallon or lhe MortgDged Prollerty Rnd shall One), Borrower ~\'ill mak9 monlhly p.'lvments In thlt amount of elf acortJlld Finance not u.!e or allow lhe Mortgaged ProPllfly to be uSlld lor Rny magal purpose. lltllll GhArijeS mill, lala charges And Cfl!dil Insurllnee prltmlums and any Olher fees then MOrlgoged Property is 3 condominium or part of II pl~nned IInlt d'eveIQPment. Que. No peymlmls [~wArd principal wiD be requirlld during thl! Draw PhMe. During BorrOWf!r shell comply wilh, Of cauSfl to hll complied wl1h, an by.lalrI8, regulations Ihll R~~avmont Phose, BOlI"ower win make monthly plJ}1TlenU whith will roplly or reslIiclKrns 01 record, intelA~t as we~ as principa1. During the Oraw Phasa, as tho balance on the Account I a is rep'sil'l, lhe credit will 3!1ain be mede ovenabflt to Borrower, lIJl1a the AUlharlZlJd {II orrawer wiH permil, Of causlJ 10 hI! pp.rmilled, inspections IIr Ihe Mortgaged Credit limit. Any balonet! temolnin! on lhll AcCOtlht III thlt end of the Dr~w Phe~o ProPMly by agenls allender, l/JIon r,"~onoblf nollca. wili bl! fp.peld durinlllhe Repaymen Phose, but no fUllhor lonns wm be mede dming (hJ Borrowef will not sell, give or tronsfer ownership of tM Mortgaged PlOperty 01 lhe Repavment Phase. The Draw Phase w~l begin after lender nlllifies BorroWllr IflY right Iheralr!, or p\IJmll such sale Dr Ironslor, in whale or in part. without thaI the crodit ha~ bllM npproved end lhe Borrower's and, it appficeblo, Own or's lundar's prior wrillen ~onsenl. Ilghtlnc~nce!lhl! AgrReml!nt hasewplrltd. Inlnrl!.~[ wi~ bl! chargRd on lhe outS/Dnrllng prilldpal balance at a rate that moy (i) (Jon-ower will not commit freucf or fiakl! ~ny mlsrl'preSfll1tlltiuns In connoclion ChAl1lJl'l from time tll time. Tim melhod of calculating tho mterest is dascribed in Iho with tho Account, any personal firnlOcial stlllomonts. Rpprei~ob, or other Ol.,clasl.lrll StalBmAl1t.Ptltl Onlt. Infurmallon provided 10 tondm- dl.lling the torm (Jf the Account. BORROWER'S PROMISE, Borrowar ptomlles 10 repay any extensIons of ~TIldit iiI Borrllwer will not enler inlo Of bll plaClld lnlo Banktuptcy. andprnperchefQIISlothe,!\ccounl,wilhinlllfestcalculotecfinoccordom:ew1ththis Al1r~l!mlln1. Ourmg the Draw Phas! and the Repayment Phase, so /qng as allY These are promises Borrower mekes on the Account. nmounl due on The Account remains unpnld, Borrower will pay each month a1 least lhp minimum paymenl due within 15 days 01 lho blning date. Tho method of cAlculaling lh~ minimum payment is descrihd in lhe Oistlosure Sletemenl'P3t! One. B~trOWllr wfll pey all othl!r leos, cosls and charges reQuired by Ihis AgreAment. inclurllng, if tl!ncferliles Suil or lakes other le!lel acdon loconect tho omounl IhlP. on lho A~c/)IlIlt or to protect any Colhnorar securing. tha Account, ntl co.~t~ in~urrl!d lIBrI a rAAsonable llllomey's feD of not less thlln 16% of lhe amount dM. Borrllwer nromises !II rapay l/JIon demand any extension of ctedit on the Ae.r.ount In l~ eXlent that the outstendlng ptintrpol balam:e nnlhe eccount melld, !lIP. Authorizad Crndlt limit; payment under this sentence will be due in Addition 10 lhe minimum peyment due on the Account. II the lendor lemporafily prohibits Fur1hoT e~tllnsfons or credit. 80rrowllr prombO! 10 continua tn make tho minimllm lTAvment~ due on thll Account, unaffecled by 1he temllorary plohlb!lion. MATERIAL OBLIGATIONS. lal Borrnwer wiU use lhe MOl1gegedProllettyonlylorpalSonal, Family ond household flurpll~osnsaorrowar'lprincipaldwelling. Ibl Borrow~r will me~ all payments an Ih Account when due, and will make 11m paymont&ol Ihe plaoo and rn tho manner sel forth on lhe billing st81ema nts, Icl Borrower. will pay, or couse 10 be paid, alllllX&a ~nd e$sessm~n1s.(intludinlf condomiOlum or slmDar assO$smonts, if eppffceb!el whIch may olllalO pnorhy oVllr lhe McrtRftgll, whan ond as Chay become duo, Idl Sorrower will Cllfm the .lmJlrovllmonls exis1ing on tho. Mor[ga~ed Pt~Pllfty 10 be in~url'rlllg~lnst lo~s by 'lrO, olhor hezards and casuallles end, If appficnble, fJnad dAmage with a"ln!urancq(:omllanY8ccalllabllltnlender.Allpnlicias~hallbeine form acceplahlll to londer end sball nemll lender a "loss Pllyell" or nlldd illonalloss payfle",lI'llpProDriolll,endprovidi'tlhallenderbllgivennotlcssthonlo days wnllllll notiC9 I1rlllr to r.ancellotion or reduction 01 coverage. The insulBllca shllll insurelhe MorlgngodPropertymamountsrllllsonablyootermlnodbYlenderlDbe MCllssary Co protect lendar's intorest If Borrower fails or reluslls to ootam lhe <<ll(l.llredinsurenca, lendar mav purchase rBtjt1lrlldinsurance on Borrower's behalf and lhc cost Wi1lbll addad 10 the IIrinclpalbalftllC60n IhaAccount fEES AND CHARGES, CLOSING COSTS. In order to open nnd maintain the Account, Borrower musl pny certain lees and chargn which llfe itemiled In lho Disclosure Slatement.Pert One. ADVANCES OF CREDIT. Each Borrower a!lrees Ihat any onl! or more Borrowers m~y obltinlonns on tho Acr.flunt withoul the COllSenlor signoture 01 enyolh erBorrowsr, for 3RY purpose. An loans oblllllll!d by eny BorrOWer, anrll!n other th~rglls la lhe Actoll/ttestowhichBnyBorroweralirees,shaUbeprop~charDestothiJAccooot. Baltol'lumoyobtain loan$ on the Account lit tha Ways described in thaDisc!osur& S\lllllmllnt.PartOna. Cmlein conditions may ",suIt in thll prohibition of addiliooal e~1en!lons of credit end/or reduction of lhe crlditlimlt described in Ill! Ois~!ollura Slelemanl.Pert Two. londerisnolresponsi!lln ll,forllnyreascfl,anyone laas or TllfUSell toh oMrlhe Spaciel Checks Ofeny otMr davice lender provfdl!s In Borrower 10 obl~in lonn! on the Accoun1, or If any aOfomllled teller machine (if applicable! feffs to operata or cperates Improperly 81 lh!t time Borrower attempts to obtain a loan BdvancB~ Any clal'lllhatDorrowerhas against e lhil'd party mllstbe resnlverl direclly with that parly. PREPAYMENT. Borrower mey plllpay IhIJ Dutslanrling alliance <'In Iha Account in whofeoriapart,withoutpenaltv. A paymellt tlll lhe Account in any BlIIin!;' Cycle of nn mTIount \treAter lh~n lh~ minimtm moothly paymenl due, bllt less ttlan tire entire Outstanding Balance, win bll considllrednpartialpraplymonl. fl partiaf pllll)oymont will hll applfed to reduce The OUl$tonmnn Balance on tlm Account, bul will not po~tpone tl10 minimtm monthly payment due the fonowing mllnlh entl win not change lha way It Is computocf. THE AODlTlONAl TERMS ON TIlE REVERSE SIDE ARE PART OF THIS AGREEMENT. ACKNOWLEDGMENT OF RECEIPT. Each p l'80n signln!llhis Agreement ecknowledges receipt of II cOl1'lpleled copy of this Agreement and Di5closllre Stalement Borrower's NAme end Address V MB WOW 3452 tlSBURN RD MECHANICSBURG PA 17055.6714 INTENT TO BE LEGAllY SOUND, Each Ball'ower ~igning lflis Agreemsntlnlends to b lllil81tv bOUlld hy its lemts.lncluding lhe tenn.s sleted in the Disclosura Stalementllnd M roe. Lnn r, by lIpproviog tho cr it end est blisltlng thll Account, has evfdnnc . s fnnt 10 be lagany bound by the 1erms of thl$ Agreement. .\ p ?'A ~-c:'~ !mCUC?1 /<l-'}-<;:> lIale (SEAll -/-". 7-9? B rrower Dallt ent who it nolI) Borrowar end does not have thll righllll oblein loans on tha Account, 15 eoreelnll only to be lagelly bound by thll tarms of th9 tllllmllnt rat6ling 10 Iha Morl!lllgll end 10 the Mortgaged Properly; tlte Owner's Ulbllity Is IImllod 10 Ihe Ownsr't Interettln the Mortll4g9d (SEAU {SEAt) Witness Ownar Date Wilness BANtCNSUMER ,ORMP~SlordfJlLlRe., 119Sl nDCO'Hun Owner NOTICE: SEE OTHER SlOE FOR IMPORTANT INFORMATION. ORIGINAL iSEAtl Onla A ,-~ "'=~, n4 1!1 fll TIl\f 08: I i FAX:102 934 2845 t lENDER'S OBLIGATION TO EXTEND CREDIT. lend!!r agrees to: 11) tllI/inQ Illl~ nrew Phase, extend credit Oil the Account in response to any !IlOflerrp.f:lup.~tfDlcledilmlldebyBoHOWerjllnd 121 dllrillQ th,1! first Billing Cyr.le or tllll Repayment Phase. e~tllnd credit on Ihl! AI:I'flffltl III rpsponse III aJlyproperfl?lIuestfm credit m<ldllby Borrowll rifthe plOrlln IP'1I1p.~1 WAS inilialed llnd dated during Ihe Dtaw Phase. II rIlqullstfotmrlil shall not be considered a proper requastif: (1) il WflIJld r.~US/j Ihll outslanding balance on the Account 10 exceed Ihe ArJlhlllilllllr.rflfJit[imi1;or (21 it is tl'r,pivprl by thll lender. Initiated or datad during a time when th9 Account is tl!rmir11ltprI in accordance with the "Temination" section of this Agreemenl; "' 131 it i~ rl!r.l!iverl by Ihe If!llder, Initiated or dated during 0 lime when fllrther p.~'p.n~io"s tlf ctedil lire prohibited under tha ~Prohibil;on of Mdltional htp.nsinn.'l of Grodit" Sp.ctir:m of tilt'! Disclosure Statemenl.Parl Two; or (41 it i~ 11IIf 11l1ld~ in accordanclI wilh the ~Advanclls of Credit" section of this Aurppmllnl. InlhflllVPII! of Rorrowllr's dellth or [egllllnca[lar.ity, II request for credit bV Ilntrnwllr '~liIl lIP. 11 wnller r!'quest il the 10911 is made and poSI!!d to Borrower's Account befllre Lender receives wrlUen notice of the doolh or incopo city. OTHER PROPER CHARGES TO THE ACCOUNT. Lender may. III its o[llion, E'xtenrl wlrlit on the Account inres[Jonse'to any olher requast for cr edit made bV Borrower AI any limA. Such extensions 01 credit shall also be consirlllred proper charqlls tlltlll1 Accllunl. AMENDMENTS OF THE TERMS OF THE ACCOUNT. lender may amend the terms nf IhA Accounl by prior notice to Borrower under the fol[owin<< circumstance::: (1) [f 1111' inde~ on which changell in tha AnnU1I1 Percentogal1ote lira bllslld no IOIl!lllr is publishlld oris otherwise unaveilable. lllndlll' may chang olhoindax and nlllr!lin n~l!d. tender will chooso a new index thaI hI!! a historical t1lflVPfllAnl ~ubst;ml;ally similar 10 thai of the orginal index, and 1he new margin will h chosen so that the new morgin !lnd inriu wDuld result in an Annlllll PllfCgntage Rata substantiallv similar to the rate In effect at thetil11ll IhP.nrigfna[inde~becamounllvailable, (21 l.emlP.r m~v mllke an insignificanl change In the terms af the Account if pl!rmittllrlhy federal law. 131 lenth,r may make a chllnge in the terms of Ihe Account which will benefll Borrowllr. AllY othPr amendment 01 the terms of 1he account must be contained in e written allreemllnthelweenlenderand80rrower. STATEMENTS. londor wm mail to Borrower a periodic statement 01 t[18 Accollnt at thl! end of !'a~h Billinll Cycle, unless slIch a stotement Is not reQrnrlJd bv law. The slatemerlt wm ~hfIW the activilY in the Account during the Bming Cyde. Unlm B~rHJwp.r Ilnlilies lender. in writing, 01 errors ;n tho statemant wilhin 60 days from lh!! dllte il WM maned. the stntemellt shll1i be considered correct ond accf![ltad by Borrowp.r. 1Il1mrf! is mOle than one Borrower, each agl8es that ilthe slatemenl is sent tll and Ill:cllpted by any BonoWllr, it shall be considered correct as to and accl!lTledbvaIIBorrowers. SECURITY. Tll Slll;ure the payment of sums due on Ihis Account, Botrnwer and/or Owner have e~ecutlld a Mortgage in lender's favor dilled the same dale as this Agreement. Borrower alse grants lender a security interest in: (11 AnV 01 Rllrrowar'll property which is in Lender's possession aleny time. (2) All r:rp.rlil irtsurllnce proceeds and return insurance premiums which any ROfrowRrll[l!r.tlltooblain. 131 All prnl;peds 01 insurance which lender requires Borrowefto oblainonlhe Mortgallod Property in accordam:e wlth the Mortgllgeend/oflhisAgr eement. Cllllalp.rlllsp.curinqotherobligatienstolendermaYlllsusecurllthe payment of this Ar.r.llunl. TERMINATION. If Ihis Account is terminated. Borrower shall ne longer have the tighltoobtainloansfromormakaenychargestotheAcceuntlrndlendershallno lonllel be obllgllted to make advanoos on 'hB Account. If lender. al its option. chooseslomeke lurther edvllnCfs on the Account, such edvances, sh all be proper charges to the Account for which Borrower sha[1 be !labfll to repay. If the Accou~t is termlnllleri. unless lender exercises its tight to reqUire the balan ce to be paId sooner. thll day following the last dey of 1m BiUing Cyclllln which the termination llW1fS sh~lI hll thl! first day of Ihe Repayment Phase of the Accaunt. For conditions qivinq rise to terminalion. see DlsclosureStBtement- Part Two. COllECTION COSTS. Borrower agrees to pay all cOllrt cosls and fees, as well as Ip.lIsonab[ellllnrnAy'sflll!s, as permilled by law, incurred in connection wilh ony actioninstiluted 10 collect en this Account or to protecl any Collllt eralsecuringthe Account. PAYMENT MARKED "PAYMENT IN FULL," Borrower a~p.es nol to submil any rh~cks to 19l1der in payment of Borrower's Arcount marked "Payment in Full~ unless thp. llmount of lhecheck is alleasl equa[to the total balan .00 thBn owing on e^Nr,O'J.~t1Mt.n rIlllMPn~7mdl-4lIRev.1/!1BI BO,DR5.M9 ,j t ~, IIlill"'..."-'b '. ALLFIHST TECII @oo"/ Borrower's Actount. If Borrower dollS submil a check to lentler markod "Paymant in fuJl" for a sum lass than the balance dUll on the Aceounl lenrler maf acce[ll lhecheckinpartiafpllvmentolthebalancBdueonthBAccllu~t.llndnot be bound by the "Payment in Full" notation, lender will not be deemed to have wAiverl it~ righlslofultpllyment of the belance due on the AccOllntbv acceptin g sltch check. D~LAY IN ENFO.RCEMEN,T. lender con delay enforcing any nf its' rights unrler IhlS Agrellme~t Without loStnll thom, Any waiver by lender of any provisiclIl of thr~ Agrell,ment will not blla waiver of th9 same or any othel provision on any other occasmn. ~HANGE O~ AD~~ESS AND NOTICES. Borrower egrees 10 notilv Lender ~mmadlatelY" tn wrllmg, al P.O: Box 4800, I~errisburg, Pa 17111. of any change tn Borrower 5 IIddress. All nolrces and manlh[y stalements will be delivered 10 Borrower IItllorrower's lesl address appearing in lender'stecords. Noticf!ssent to Ihat address will be effeclivll for all purposes under this Agrel!ffil!nt. If Borrower sends e notice or letter 10 Lender, itmllst bo senl to lender at the address appearfnl1 on themoslrecenlbi1ling stlltement. B,orrower waives any presenlment, demand, [lrotest, notiCf! of [lrolllsl end dJshonor end any other nOlice to which Borrower may be entitled IInd may by law. he waived. . JOINT AN~ SEVERAL OBLIGATION. Each Borrower who signs this Agreemllnl, and theherrs andpersona[ representatives of each, will be equal[y responsible individuallyandtollether,forpaymentolthatotalameuntowed, ' ASSIGNMENTS. Borrower may not assign or olherwlse Iransler Borrower's rights lI11d privileges under Ihis Agreement. lendef may assign any and all of its rights andobligelions under lh is Agreement and Ihe Mortgage at any time without Borrower's consent. The personls! to whom tender as.,igo$lhis Agreement end Morlgoge shall be entitled to ell 01 lender's r1ghls and be subjecl to all lender's obligalions under thi 5 Agreement and the Mortgage. None of BorrowlIr's rights sha[1 be affected bV such assignment. CnEDll REPORTS AND APPRAISALS. hch year looder may review the Borrower's8ccountto determine whether. in its rgesonable opinioll, 0 mlllerilll change has occurred in Borrower's financial circtnl1stonr.es that would leavll BorrowllI unable tofullil1 the repayment obligetiohsunder Ihis AgllI omllnl. Such a material change may tesult in the prnhibition of additionel e~tensions nf credil endfor reduction olt$ credit limit 8S $Vt forth inlhe Oisclosure Slatement. 115 pllrt of snch annulIl reviews, lender mey obtein edditionel cremt r"ports on Borrower,inspedor reappraise the Mortgaged Propllrly and/orrllqulls tadditiolllr[ financial informetlon from Borrower. Botrower agrees to cooperate wilh Lender in perfolTlling such leviews and to prompl[y provide salisf8ctlllY linlncial lnformalion to lender. SPECIAL CHECKS. OWNERSHIP OF CHECKS: The SpeciAl [;hllcks Ilre IlIIlII times lender's pro[Jerty, 8nrrowar IIgrees 10 mtum all unused SpecIal Checks 10 lender upon lend!!r's rllqnesl or u[lon tarminetion of this Agreement by either perty. When Iha S[lecial Checks hava been paid by lender, lender has no obligetion 10 relurn them to Borrower. PROHIBITION OF PAYMENT WITH LINE OF CREDIT CHECKS: Borrower agrees not 10 makB paymenl 10 londer on this Accoun1,directly or indirectly. withalinfl of Credit Check furnished by lender under Ihis Agreamentor wllh the proceeds 01 such check. POSTDATED, STALE DATED. CERTIFIED AND STOP PAYMENT OF CHECKS. Procedures. laws and faes e[Jplicabfelo comparable transllctions on ret;!ular Checking accounts shall applv 10 Special Checks undet this Agreement with TeSpet1lo postdatedchecks,slale daledcheeks. certifying checks an dstop payment orders. Botlower agreesnol to issUG [IOstdated Special Checks . Certified Special Checks will bll posted to the Account on lhe day the Special Check is ctlrtilied. SEVERABIlITY. If it is determined for eny reason Ihat 8 part 01 thIs Agreement is invalid or unenlorceable. this shall not 8ffect 1he validity or en foralmentofany D\\l1lJ PTovmon 01 'hl, AOTe8m8nt. 1\1\$ AQTeamBnt will ,hen ,ead" if tlm invalid orunenforceeble part were not there, ENTIRE AGREEMENT. This Agreemont, the Ols~Iosure Statement, any RidlJr hereto, the Mortgage, and Ihe Applicotion Form related 10 this Account conlsin Ihe entire egrHmenf between lender end Borrower. This Agreemenl super~edes all previous agrellh1onts. oral or written, blIlweeR the parties relating 10 thIs Home Equity line of Credil. WARRANTIES AND REPRESENTATIONS. Borrower warrants and repll!sents thai the funds lColllltorall 81eoblllined and will be usod in connectl on with [awful activities,pursuits.endeavers. venlurBS or businesses. and Bonowel willnol use the 1unds (Collaterall-to vio[ate any law that could resu[t in 10 rfoitureproceedings beinginstiluled. Borrowar agu!as to promptly inform lender of aoy pre[losed proceedings or actual proceeding which would subjecltlte funds ICollaterall to forfeiture 10 any gOVllrnment8lbody. GOVERNING LAW. This Agreement shall be governed by Ihe laws of the Commonwealth of Pennsylvanie except to the exlen! that such laws hava beon pre.empledor supersaded by fedefal law. ALL FIRST BANK, Plaintiff vs. VICTOR D. MACOMBER and WANDA W. MACOMBER, his wife, Individually and Jointly, Defendants TO THE PROTHONOTARY: o IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW No. 01-3088 PRAECIPE SETTLE & DISCONTINUE - Without Prejudice D SATISFY DATE: (:M L, , 2001 " HENRY & BEAVER LLP By: M RC I.D. #55774 937 Willow Street P.O. Box 1140 Lebanon, PA 17042 (717) 274-3644 Attorney for Plaintiff ,1C ",,~,,"".>c~~,"~",_~,,~_~,.~ ~~, '_"','M'''' ,Y., "_."."__"~_" ifiif'" '1f Ii "J~~ .;;;,~ '~h 1J:d "Iiii~~~.- ,-~'-,- ~ . . '", ",'.w"".' '-,,~-' TL~~~ili~JI!~",.j"",:':~-~- .., . ... ,-,",- -'."", ,", L '.. ,~, "".'.' ",~,,~~.~" ." - ., -'1._~-,"--> iI .". \ ,~~; "r--' r. ~;~ '::i -< .' ,.:J . -',- .--j" , ~ ALLFIRST BANK, Successor to Dauphin Deposit Bank & Trust Company, Plaintiff vs. VICTOR D. MACOMBER and WANDA W. MACOMBER, his wife, Individually and Jointly, Defendants "l . .-- ':J"~I~-f_~;---- . ,i'_;"_~;,,,.:~ 1" ":':Y : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW : No. 01- JCJP~ CoiL T~ PRAECIPE FOR ENTRY OF APPEARANCE TO THE PROTHONOTARY: Please enter the appearance of Marc A. Hess, Esquire of the law firm of Henry & Beaver LLP, whose address is 937 Willow Street, P.O. Box 1140, Lebanon, Pennsylvania 17042-1140, as attorney for Allfirst Bank, the Plaintiff in the above-captioned matter. Date: m ~..I r ,2001 II By: iiJ{ <.";'::"'\-1'''' '.~,,-<, '~~if'jlr):;;~:'~~-:",~(-';:~-j -ilIiil-~m*~iJ:iruJlUiiiU~f.Ei~Li : ''T''~' "';;Yh;'iIl.-- ~~ <',- ,;:;:', "--"Y ,1"",.'7-,,-""__0' _m_'~"""".,,"<" ._.C,'-..'_ f~,,':'')'''^ .;","'.,_'d,"W;- _",,_"~,,'t"',",,>."'ci_,"" ',\" -,,~ "t,_,',_,' <'S",.- - ^.'. ~ ."n ~~' ,-,'"h-, -.~'" ..' .,"' ,....,,',.,","'~,~.,., .'w", r , lllilsd II Ii ~ I II II I C) t~_"' C) C -'1 :;-,,", :2?: V c,,'; 'O;~ n-l f;' -. ..,~ z::r. :zc ?'''l , ,. ~t~ ~F~; , , )> -" c: _v ,. :...) -,,~ 5] -< fp --c tit -~ -'''--' , - .. ,~-- ,~ .. ,.~ \~ i_ ~ _~~~ . =." ~~_.........~ ==<- I. , , Lll ~1 .. SHERIFF'S RETURN - REGULAR CASE NO: 2001-03088 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ALLFIRST BANK VS MACOMBER VICTOR D ET AL DEP SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon MACOMBER VICTOR D the DEFENDANT , at 1057:00 HOURS, on the 24th day of May , 2001 at 3452 LISBURN ROAD MECHANICSBURG, PA 17055 by handing to WANDA MACOMBER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge 18.00 8.68 .00 10.00 .00 36.68 So Answers: ~~?h R. Thomas Kline OS/25/2001 HENRY & BEAVER ... Sworn and Subscribed to before By: me this a.- .3C - day of ~ Oi-<H>! A.D. ~.u.~# othonotary . '.> ~ ,- l,. .... I _~ .l <_~lIl!~' SHERIFF'S RETURN - REGULAR CASE NO: 2001-03088 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND ALLFIRST BANK VS MACOMBER VICTOR D ET AL DEP SHAWN HARRISON , Sheriff or Deputy Sheriff of Cumberland County,Pennsylvania, who being duly sworn according to law, says, the within COMPLAINT & NOTICE was served upon MACOMBER WANDA W the DEFENDANT , at 1057:00 HOURS, on the 24th day of May , 2001 at 3452 LISBUR~ ROAD MECHANICSBURG, PA 17055 by handing to WANDA MACOMBER a true and attested copy of COMPLAINT & NOTICE together with and at the same time directing Her attention to the contents thereof. Sheriff's Costs: Docketing Service Affidavit Surcharge So Answers: 6.00 .00 .00 10.00 .00 16.00 r~~~t:~~ R. Thomas Kline OS/25/2001 HENRY & BEAVER " Sworn and Subscribed to before By: me this 30':' tk,.'[ ~L (-,4/1'<- 0 ~ li-aj {Prothonotary , ( day of A.D. ),. .,' - . . -. . . . "II!II'" " ~~~il!i~iflilMl!fJl!~~~~2~"'''-'0:-,i''''''i!~';_'<''; '-"'-.f--";'h'~''i)f_jiif~~B~~ ,~..Al 1I.k.l~~lj'!I[mt'.-"~" ~'-r"} a'ffi =, ~ , """ z:~ ".'H"__ "...,.~"""'o/' ~,~>'-"'~ ~~__,..,^,=,,,,,,,,,,,,. ., .,.~_" ,_~ _~ ,_,c"",w,:,~,"_~,,>',,_~,,,," .r , _~ '.~. , - ~, , ALLFIRST BANK, .,,_"".~ MO -.:",;_'_, Plaintiff : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYL VANIA : CIVIL ACTION - LAW vs. : No. 01-308a VICTOR D. MACOMBER and WANDA W. MACOMBER, his wife, Individually and Jointly, Defendants ORDER OF COURT AND NOW, to wit, this If.. " day of q~ ,2001, upon Motion of Allfrrst Bank, it is hereby ORDERED that the judgment entered by confession to the above term and action nmnber is VACATED without prejudice to Plaintiff to pursue collection of the debt due and stated therein at a later date if necessary. The debt has not been paid in full. BY THE COURT, J .~ <\,\V II J. , "'~, -.~~",. , ~ ! ~I~ , ,~ ,. ,,, ""',"~ - '>'" ~-, , <" , c_ '-" '~"";_ _,' ~- ,', ~. I" -. ,~- ?,,-,-~ ,,'"-''' - --"",,--<.=~--~-,-~~~ '., _.~ =_ ,.,,_ "'_,",__,",,"~' _~,_, > ~M .". ? -0 70 ~ P- r:g ~ 0-' ~ (::::-' * (::) ~Lc 0 E".,. - '" - -t:::.. ~ (;--, b =t= -c D ~ W .' 6"- - ..c..... cE -P ~ P c ~ Jl.~~~ -,,--~" -~~"~_,,Iml ~__~~:r'o'?'f"_~_-:'I'f!t\Il~~~~~; 11": - I~~,;~ ~-: --~-' .--,.-,.-- - -",-, ,.':',,-,,' - / '~-,-:::;;:;.;\,~",;" ;:"":,,~'~'''o --TfW"'-''-~' ALLFIRST BANK, : IN THE COURT OF COMMON PLEAS : CUMBERLAND COUNTY, PENNSYLVANIA : CIVIL ACTION - LAW Plaintiff vs. : No. 01-3089 VICTOR D. MACOMBER and WANDA W. MACOMBER, his wife, Individually and Jointly, Defendants MOTION TO VACATE JUDGMENT WITHOUT PREJUDICE TO THE HONORABLE JUDGES OF SAID COURT: COMES NOW, Marc A. Hess, attorney for Plaintiff, A11first Bank, and requests the Court vacate the confessed judgment entered to the above term and action number without preiudice as follows: 1. Plaintiff filed a Complaint in Confession of Judgment and Confession of Judgment on May 21, 2001 to the within term and action number. 2. Judgment by Confession was entered by the Prothonotary in the above matter on May 23,2001. II 3. Plaintiff wishes that said judgment be vacated without preiudice t~ pursue judgment at a later date if necessary. The principal debt due as stated in the confessed judgment has not been paid in full. WHEREFORE, Plaintiff requests the Court issue an Order vacating the judgment entered by confession in the above matter without prejudice to P1aintiffto pursue collection of the real debt stated therein at a later date if necessary. Respectfully submitted, By: arc A. Hess I.D. #55774 937 Willow Street P.O. Box 1140 Lebanon,PA< 17042-1140 (717) 274-3644 Attorney for Plaintiff 2 ,,'"f'" " VERIFICATION I verifY that the statements made in this Motion to Vacate Judgment Without Prejudice are true and correct. I understand that false statements herein are made subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities. ~umE ,! I: ii "~~'~- ~-'"" ~ - " ,I _oj"~, ".0- ',,'; _~ "' - ,-,',-". .. CERTIFICATE OF SERVICE I, Lisa I. Fox, of the fIrm of Henry and Beaver, LLP, do hereby certify that I have forwarded a certifIed true and correct copy of the within Motion to Vacate Judgment Without Prejudice by regular United States mail, postage prepaid, on July (0 ,2001, to the following: Stephen Nude1, Esquire 219 Pine Street Harrisburg, PA 17101 Mr. Victor D. Macomber 3452 Lisbum Road Mecbanicsburg, PA 17055 Mrs. Wanda W. Macomber 3452 Lisbum Road Mechanicsburg, PA 17055 (